Student loan -- Dealing with your lender or servicer -- Complaint #13796956
Complaint Overview
Complaint ID: 13796956
Company: Maximus Federal Services, INC.
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-Issue: Trouble with how payments are being handled
State: Texas
ZIP Code: 75126
Date Received: 2025-05-29T12:00:00-05:00
Date Sent to Company: 2025-05-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
My loan was transferred to XXXX XXXX. I have been paying the student loan since XXXX at the direction of the servicer. I asked for assistance from the service to lower my payments because they were to high. It was lowered by around {$20.00}. The payments were so high, that the loans would have been paid off in ten years. The lender knew I was on the PSLF track. I made every payment on time. I chose a payment plan that would be accepted by PSLF at the beginning of the payment period ( I was with a different servicer at that time ). I reviewed the payment plan and discovered it was different from the one I chose and changed the plan back to one that would be accepted by PSLF. The servicer is saying that my acceptable payments for PSLF started in XXXX not XXXX. I consolidated the loans when I started making payments and was charged an additional {$20000.00} for this action. The lender is stating that the loans were consolidated in XXXX n0t XXXX. The lender is also saying I was in a deferment in XXXX and XXXX. The only time I was in a deferment is due to COVID, meaning the time should be counted toward PSLF forgiveness. I am unable to pull up information concerning the previous lender. I completed the PSLF form twice by mail and once electronically. ( Incidentally I had to call constantly to get the information to determine the status of the loan ) I am being given the run around. I checked the website, and 15 payments have not been counted for PSLF. ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( hopefully I counted this correctly ) ). I was required to start making payments in XXXX ( by the government ) these payments are not being counted. The lender 's comments are that I was not in an acceptable plan. I was receiving assistance from the lender 's representative ; therefore how could I not have been in an acceptable plan. These lenders really are playing games. I made the mistake of saying that I am retiring this year. The loans were consolidated again when being transferred to the new lender and I was charged additional fees. I am still completing forms to get the count correct, but I have been working on this for 3 years.
Frequently Asked Questions
What is Complaint #13796956 about?
Complaint #13796956 was filed against Maximus Federal Services, INC. regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2025-05-29T12:00:00-05:00.
How did Maximus Federal Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Student loan) and describe your issue in detail.
Can I see other complaints against Maximus Federal Services, INC.?
Yes, visit the Maximus Federal Services, INC. company profile at readthecomplaint.com/company/maximus-federal-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.