Younomics

To whom it may concern, The borrower emailed the Younomics customer support inbox, [redacted] , on February ***, inquiring if he could negotiate his APR or create payoff letter for 30-days in the futureThe borrower then sent a follow up request on February [redacted] at 1:58PMA reply was sent by [redacted] at 2:PM on February [redacted] which stated that we are unable to alter his interest rate as that would require us to re-underwrite his loanWe informed the borrower that we would send him the requested day payoff letter and the letter was subsequently sent on The borrower has since confirmed receipt of the payoff letter Sincerely, Younomics

I would do zero stars of able! Taking a loan from this company was the biggest mistake of my life! After I got out of school I made some payments and when I could not make the payments, I use their income based payment plan. After a while, they started goofing up my information even when doing the income base payment plan. Then in 2015 I filed for bankruptcy. They have not stopped reporting on my credit since! Every single month they report that I am not paying when they were a part of my bankruptcy in 2015. It is now 2018 and I have no luck getting hold of anybody from the company. I've disputed through the credit bureaus but no luck. The "amount that I owe" continues to rise and they are the number one thing harming my credit! I'm a mother of five children trying very hard to rebuild my life after a divorce resulting in bankruptcy. This company is the most shady and crooked company I've ever dealt with in my life. DO NOT USE THEM!

To Whom It May Concern,
Younomics is the current owner of the borrower’s ***
student loanOn 10/**/2013, Younomics sent the borrower a letter stating that
the borrower could complete a month payment agreement (rehabilitation
program) to bring the
account back into good standingOn 10/**/2013, the
borrower indicated that she would be able to pay $per month for the
month durationAt the time of signup, the borrower’s account was days
lateAfter e-signing the application, the borrower received a confirmation
email indicating that the payment plan would remain in effect until 04/**/
The borrower emailed ***
on 02/**/2014, inquiring about credit reporting while under the payment
agreementThe borrower was told that the account would be reported as being
under a payment agreement, but would still be reported as delinquent until the
successful completion of the payment agreement
All accounts under a payment agreement are tagged with a
special note stating that the account is currently under a payment agreement
If the borrower’s account is past due at the start of the payment agreement, it
will continue to be reported as past due unless the borrower pays down the
entire past due amount while on the payment agreement. If the borrower’s account is current at the
start of the payment agreement, it will continue to be reported as current as
long as the borrower makes all the required payments on time under the payment
agreement
Upon successful completion of a six month modified payment agreement, a borrower’s accrued interest, if
any, is capitalized and the loan is re-amortized to bring it current. The borrower will then be asked to start
making his or her regular monthly payments until he or she has paid down the
loan in full. The borrower will be able
to see his or her new amortized monthly payment amounts online on the UAS
website immediately after the payment agreement is completed and the loan re-amortizes
We explained this to the borrower on 02/**/2014, and the borrower wrote back “Ok
thank you”
The borrower successfully completed her payment plan on
04/**/and the account was brought back into good standingThe loan was re-amortized
and the borrower’s monthly amortized payment rose from $to
$The borrower emailed *** on 04/**/asking how she
would go about having the Credit Reporting Agencies show her as current for the
previous monthsWe again explained that the account would only be reported
as current going forward
On 05/**/2014, the borrower informed us that her credit
report was still showing her Younomics loan as a negative account and that she
needed the account to show positively because she was attempting to buy a home
We wrote back to the borrower on 05/**/2014,
stating that, according to our records, the account was being reported as being
in good standingThe borrower wrote to us again on 06/**/2014, stating that
her account was still showing up as a "negative account". The borrower received a response on 06/**/2014,
stating that the account was being reported as in good standing for both April
and MayA letter was produced and sent to the borrower stating that the
account is currently in good standing
Please note that all payments were applied directly to the
loanDue to the borrower’s backlog of payments, the majority of the payments
went towards interestUniversity Accounting Service (UAS) is the servicer of
the account, and as such, it handles billing, payment processing, and credit
bureau reportingThe borrower can request a transaction log from UAS to see
exactly how the payments were applied to the loan
With respect to lowering the interest rate, the borrower may
set up automatic, recurring payments, to receive a
0.25% interest rate discount that is applied upon first
payment under the recurring format (and is taken away if the borrower stops
recurring payments)In addition, as there is no penalty for early repayment,
the borrower may refinance with a third party at any time without issue
Sincerely,
Younomics

To whom it may concern,
[redacted] is the current [redacted] of the borrower’s [redacted] student loans. University Accounting Service (UAS) is the servicer of the account, and has been the servicer of the account since its disbursement on **/**/2007. 
In the...

borrower’s complaint, the borrower expresses concern about the amount of time it took to receive notification that her loans were becoming increasingly delinquent. After looking into all contact history that [redacted] and UAS have had with the borrower, we have determined that the borrower failed to update University Accounting Service or [redacted] with new contact information after the initial information became outdated.
University Accounting Service’s records show that the borrower registered on its website on 12/*/2007 and enrolled in electronic-only billing. After this point, all statements would have been sent to the email address that the borrower had on file. It is likely that the borrower failed to receive statements because the email address the statements were being sent to was no longer functional, as it was a .edu email address that may have been deactivated once the borrower’s enrollment ended. National Student Clearinghouse records indicate the borrower stopped being a student at the school associated with the email address near the end of 2009. On 05/**/2013, [redacted] sent an introduction letter to the same email address and received a bounced email notice.
During the time the borrower’s account was becoming delinquent, [redacted] and UAS made several attempts to contact the borrower by telephone. Two attempts were made to contact the borrower at the original phone number listed on the borrower’s loan application. On 09/**/2013 [redacted] called the borrower to notify them that the account was entering repayment and were able to leave a voice mail. Another call was made by [redacted] on 11/*/2013 to notify the borrower of the delinquency of the account. This call was answered and was hung up by a third party.
On 11/**/2013, UAS obtained a new phone number for the borrower through a third party source. UAS proceeded to call this number several times during the months of November and December, but did not reach the borrower. [redacted] then called this number on 12/**/2013 and left a voice mail. On that same day, the borrower updated her email address with University Accounting service and also changed her billing method to electronic and paper.
While we at [redacted] go to great lengths to update our borrowers’ contact information, it is ultimately the responsibility of the borrower to ensure the loan’s servicer has the most up-to-date contact information. In this case, UAS was eventually able to locate new contact information through its own efforts.
Since contact was established, we have been willing to work with the borrower to rehabilitate the account. The borrower is currently enrolled in a temporary modified payment plan. The purpose of the payment plan is to rehabilitate accounts that have gone delinquent by offering temporarily lowered payments.
While we do offer the option to make reduced payments in order to rehabilitate accounts, the loan will still accrue interest in accordance with the terms set by the Master Promissory Note. As such, a borrower’s loan balance may increase if he or she requests a temporary payment plan amount that does not cover the monthly accrued interest. If a borrower chooses to, he or she can make payments equaling or exceeding the required amount in order to pay off the accrued interest each month. We enforce no penalty for prepayment.
On 07/**/2014, the borrower emailed us at [redacted] requesting a mailed copy of her Master Promissory Note. On 07/**/2014, we mailed the Master Promissory Note to an address confirmed by the borrower in the same email chain. We will continue to work with the borrower and will provide answers to any questions that may arise once the borrower has reviewed her Master Promissory Note.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]...

Younomics is somewhere between shady and completely fraudulent. It appears they have a handshake agreement with Transunion to keep fake loans on credit reports, as Equifax and others have already removed this bogus loan 2 years ago. In our case, we inquired MRU about the possibility of a loan in 2007 and decided not take it out. We never paid a single cent in payments nor received a single cent as a borrower. 8 years later, Younomics seems to have figured out a way around the laws to force us to pay for a loan we never had to begin with. Since MRU went bankrupt for fraud, it would make sense they faked the whole thing with bogus payments and everything and Younomics bought it from them. MRU made fake payments to themselves in our name until they went under. In 2011 the fake payments stopped, and in 2016 Younomics showed up to collect. We know the statute of limitations in our state, which is 4 years, and its been more than 5 years since this fraud loan was pursued. Younomics knows they have us in a bind: If we contact them in an effort to remove a loan we did not take out, did not sign for and did not receive they will use the correspondence to restart the timer and the statute of limitations will restart. I repeat, Younomics will not be able to show any legitimate proof that we asked, signed for or received any loan from MRU. Younomics will also not be able to show proof that any account owned or operated by us actually sent money as payment for said loan. We can look up our banking history, and it is not there. If you have any information on how to navigate this pile of BS and stop Younomics from ruining our credit please submit a reply or review.

To whom it may concern,
The borrower emailed the Younomics customer support inbox, [redacted], on February...

[redacted], inquiring if he could negotiate his APR or create payoff letter for 30-45 days in the future. The borrower then sent a follow up request on February [redacted] at 1:58PM. A reply was sent by [redacted] at 2:12 PM on February [redacted] which stated that we are unable to alter his interest rate as that would require us to re-underwrite his loan. We informed the borrower that we would send him the requested 30 day payoff letter and the letter was subsequently sent on 02/**/2014. The borrower has since confirmed receipt of the payoff letter.
Sincerely,
Younomics

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
/>

I filed bankruptcy in 2012 and Younomics ignored the decree. They are NOT under the federal school loan, this was a private loan and it is ruining my credit. Don't use them

Review: I took out a loan with MRU Holdings in 2006 for $3000. A couple years later the loan company went under, due to fraud and embezzlement and the head of the company was incarcerated. I received only a few bills from MRU, and was never notified that they were sold until spring of 2012, when I received a postcard from Younomics stating that they were now taking over for Education Empowerment Fund, an organization I had never dealt with or had any sort of contact with, but who apparently now owned my MRU loan. Younomics does not have a phone number or an address, and you cannot make payments on your loan through them- you have to contact a separate organization, University Accounting Service LLC, to make payments. During the 5 years that I was not billed or informed that my loan company had gone bankrupt and my loan had been sold numerous time, the $3000 I had taken out and began to make payments on was gaining interest and fines and reporting negatively on my credit report. Until last month MRU was still listed as the lender on my credit report and the contact information given was a disconnected phone number. Additionally, all three credit bureaus are reporting majorly different results on my status with younomics: one says im over 120 days late with payment, another says im current and paid in july 2012 (which I did not) and the other one has removed the account from report entirely, claiming the company no longer existed.Desired Settlement: I took out the $3000 with MRU with the intention to repay the loan, but I will not pay interest and fines that have capitalized on it as a result of shady business practices.

Business

Response:

To whom it may concern,

While we empathize with the frustrations of the aforementioned borrower, there are several inconsistencies within the borrower’s claim and described account history.

Younomics is the current owner of the account. University Accounting Service (UAS) is the servicer of the account, they handle billing, credit reporting, and payment processing. UAS has been the servicer of the account since its disbursement on November [redacted], 2006 and they sent the first billing notice to the borrower one month later on December [redacted], 2006. We do not dispute that the borrower has not received billing statements from MRU as all statements would have come from UAS. Each statement would have listed the current owner of the account at the time that it was mailed.

The borrower made six payments on the account between January [redacted], 2009 and October [redacted], 2009 following the account’s initial entry into repayment. At this time, the account was owned by Achiever Fund I LLC whose name was later changed to Education Empowerment Fund.

There are records of numerous points of contact between the borrower and UAS since the disbursement of the loan. In February 2009, the borrower updated their contact information to include the email address that they list as the main point of contact in the complaint letter. In October 2011, there is a telephone communication with UAS confirming the borrower’s address and email address. Between December 2008 and November 2010, UAS made collection calls to the phone number listed by the borrower in the letter of complaint.

We at Younomics do not have a customer support phone line. The email address [redacted] is used to handle most borrower issues in conjunction with our website, younomics.com. The email address for Younomics was listed on both the introductory email and the introductory letter described by the borrower in their letter of complaint. The mailing address for Younomics is [redacted]. We have records of the borrower visiting younomics.com and requesting loan assistance on November [redacted], 2012, the same day that the letter and email were sent. The borrower made several subsequent visits.

We at Younomics are not responsible for the accuracy of reporting practices employed by credit unions nor do we have any control over the consistency of data-use by said unions. We report accounting information pertaining to late and defaulted accounts as we are required to under federal law.

The borrower’s desired settlement suggests a misunderstanding of the mechanics of the loan as described in the terms of the Master Promissory Note. The late fees on the account do not accumulate interest: they currently total $110.00. The only interest capitalizations to have occurred on this account occurred before the account was late: once every calendar quarter while the borrower is in school or at the end of a deferment period. The last interest capitalization event on the account occurred on November [redacted], 2008.

We will do everything within our power to help this borrower rehabilitate the account, however, for the reasons listed above, we will not settle the account.

Thank you,

younomics

Review: I started in a "rehabilitation" program to bring my student loan account current in November 2013. I made 6 months of payments, before showing the 7th payment as paid on my credit report. This company does not apply any of the payments to the account, that are made during the rehabilitation period . They pocket the whole amount and in the 7th month they start applying your payments to your loan. So my $600 is gone, as well as my credit report is still reflecting this creditor as a negative account. After completing the program the payments went from $100 to $150 the first month and then to $200 this month without any notice. If I had I not gone into my account to look at why I was still not showing current on my credit report, I would have not know my amount due was raised and I would have fallen behind again.Desired Settlement: I would like my credit report to reflect 8 months of current payments, and to have the verbiage "negative account" removed from my credit rating. I would like my 6 months of rehabilitation payments to be applied to my account. I would also like the company to lower their interest rate of 10.25 on a student loan to something a little more respectable.

Business

Response:

To Whom It May Concern,

Younomics is the current owner of the borrower’s [redacted]

student loan. On 10/**/2013, Younomics sent the borrower a letter stating that

the borrower could complete a 6 month payment agreement (rehabilitation

program) to bring the account back into good standing. On 10/**/2013, the

borrower indicated that she would be able to pay $100.00 per month for the 6

month duration. At the time of signup, the borrower’s account was 2296 days

late. After e-signing the application, the borrower received a confirmation

email indicating that the payment plan would remain in effect until 04/**/2014.

The borrower emailed [redacted]

on 02/**/2014, inquiring about credit reporting while under the payment

agreement. The borrower was told that the account would be reported as being

under a payment agreement, but would still be reported as delinquent until the

successful completion of the payment agreement.

All accounts under a payment agreement are tagged with a

special note stating that the account is currently under a payment agreement.

If the borrower’s account is past due at the start of the payment agreement, it

will continue to be reported as past due unless the borrower pays down the

entire past due amount while on the payment agreement. If the borrower’s account is current at the

start of the payment agreement, it will continue to be reported as current as

long as the borrower makes all the required payments on time under the payment

agreement.

Upon successful completion of a six month modified payment agreement, a borrower’s accrued interest, if

any, is capitalized and the loan is re-amortized to bring it current. The borrower will then be asked to start

making his or her regular monthly payments until he or she has paid down the

loan in full. The borrower will be able

to see his or her new amortized monthly payment amounts online on the UAS

website immediately after the payment agreement is completed and the loan re-amortizes.

We explained this to the borrower on 02/**/2014, and the borrower wrote back “Ok

thank you”.

The borrower successfully completed her payment plan on

04/**/2014 and the account was brought back into good standing. The loan was re-amortized

and the borrower’s normal monthly amortized payment rose from $126.94 to

$199.31. The borrower emailed [redacted] on 04/**/2014 asking how she

would go about having the Credit Reporting Agencies show her as current for the

previous 6 months. We again explained that the account would only be reported

as current going forward.

On 05/**/2014, the borrower informed us that her credit

report was still showing her Younomics loan as a negative account and that she

needed the account to show positively because she was attempting to buy a home.

We wrote back to the borrower on 05/**/2014,

stating that, according to our records, the account was being reported as being

in good standing. The borrower wrote to us again on 06/**/2014, stating that

her account was still showing up as a "negative account". The borrower received a response on 06/**/2014,

stating that the account was being reported as in good standing for both April

and May. A letter was produced and sent to the borrower stating that the

account is currently in good standing.

Please note that all payments were applied directly to the

loan. Due to the borrower’s backlog of payments, the majority of the payments

went towards interest. University Accounting Service (UAS) is the servicer of

the account, and as such, it handles billing, payment processing, and credit

bureau reporting. The borrower can request a transaction log from UAS to see

exactly how the payments were applied to the loan.

With respect to lowering the interest rate, the borrower may

set up automatic, recurring payments, to receive a

0.25% interest rate discount that is applied upon first

payment under the recurring format (and is taken away if the borrower stops

recurring payments). In addition, as there is no penalty for early repayment,

the borrower may refinance with a third party at any time without issue.

Sincerely,

Younomics

Review: I have been talking with Younomics for the last 6 months by email, through my credit counselor Andrew W[redacted] Throughout this time, Younomics has been very sporadic in their communication, and has frequently promised agreements or letters only to go silent at the time they said they would be sending the correspondence.

We have reached a settlement agreement which I wish to take. However, Younomics has repeatedly asked for my credit counselor to sign an additional confidentiality agreement that was 4 pages long and full of vague, unintelligible statements.

In an effort to placate Younomics' bizarre request, my credit counselor removed all mention of Younomics from his website and blogs, and sent them a signed letter stating among other things that he will not discuss the settlement or contact Younomics again.

Younomics told him via email from a person named "Kendall", that the revised agreement should be there by the "EOD", or end of the day. That day came and passed and Younomics did not send the agreement or any other response. The next week, Mr. W[redacted] was contacted by two attorneys for the law firm Anderson Kill who claimed to represent Younomics. Mr. W[redacted] explained the situation to them and forwarded them a copy of the letter that he signed which said he would not discuss the settlement or mention the name of Younomics on any of his sites or blogs, and that he would also not contact Younomics again after this settlement was completed.

Rachel K[redacted], one of the attorneys, subsequently emailed Mr. W[redacted] saying that they had received his documentation and were going to send a revised agreement "in short order". This was on July **. It is now July **, and Younomics and their attorneys have once again gone silent and not responded to any email correspondence that Mr. W[redacted] has sent.Desired Settlement: I am requesting that Younomics send me or Mr. W[redacted] the settlement agreement which I have already agreed to pay, without the line that says Mr. W[redacted] also has to sign a separate agreement for it to be valid. At no time during the 5 month communications prior to receiving the first settlement letter did they mention anything about this separate confidentiality agreement that they wanted him to sign, and they only sent it with the first copy of the settlement letter with the agreed upon payment amount. This has been a very stressful situation for me and I want to begin paying the settlement. I am requesting that Younomics send the settlement agreement that we have already agreed to; without the requirement that Mr. W[redacted] sign additional documentation. Mr. W[redacted] has already removed all references to Younomics from his site and blogs, and has sent a signed and dated letter to Younomics stating that he will not mention the settlement in any way. To continually promise that they will send an agreement only to go silent for sometimes weeks at a time, is very unfair to me. I would like to begin paying the settlement this month and request that Younomics send an updated agreement without mention of Mr. W[redacted] signing additional paperwork, which he tells me has never before been requested by any lender in his last 4 years as a credit counselor.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: My student loan was transferred to them when [redacted] went bankrupt. I have been trying for months to set up a payment plan through their site, however when I do so the site just freezes. I have sent them emails as they have no contact number, the one time I was responded to, I was told that the new payment plan would be mailed to me. I never got it and they continue to report on my credit under [redacted] with a phone number that does not work. I call University Accounting Services and I am told to just keep trying to email. NO HELP. Also looking through the site, I see that despite my change of address months ago, they have sent all correspondence to an address I haven't had in 7 years.Desired Settlement: I would like an email of my new TMPS that I tried to sign online so that I can have a payment plan scheduled and proof of that. I also would like the extra charges i've acquired because not receiving correspondence to be removed if there is any.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: It took this company 2 months to tell me I had a loan through them that was in default. I never received an email or paper bill till about a month after they left a message on my phone telling me my loans were in default. When I went online to their website to figure out what was going on they had all of my contact information correct and it stated that I wanted email bills. I never received one even to this day and I checked my spam boxes as well. My bill had somehow doubled and with every payment through their payment plan my bill continues to climb. Their website and contact info is so scarce that I am taking extra measures to make sure the legality of this situation here in Oregon.Desired Settlement: I'd like a copy of my original promissory note mailed to me so I can compare it with the one in my possession.

Business

Response:

To whom it may concern,

[redacted] is the current [redacted] of the borrower’s [redacted] student loans. University Accounting Service (UAS) is the servicer of the account, and has been the servicer of the account since its disbursement on **/**/2007.

In the borrower’s complaint, the borrower expresses concern about the amount of time it took to receive notification that her loans were becoming increasingly delinquent. After looking into all contact history that [redacted] and UAS have had with the borrower, we have determined that the borrower failed to update University Accounting Service or [redacted] with new contact information after the initial information became outdated.

University Accounting Service’s records show that the borrower registered on its website on 12/*/2007 and enrolled in electronic-only billing. After this point, all statements would have been sent to the email address that the borrower had on file. It is likely that the borrower failed to receive statements because the email address the statements were being sent to was no longer functional, as it was a .edu email address that may have been deactivated once the borrower’s enrollment ended. National Student Clearinghouse records indicate the borrower stopped being a student at the school associated with the email address near the end of 2009. On 05/**/2013, [redacted] sent an introduction letter to the same email address and received a bounced email notice.

During the time the borrower’s account was becoming delinquent, [redacted] and UAS made several attempts to contact the borrower by telephone. Two attempts were made to contact the borrower at the original phone number listed on the borrower’s loan application. On 09/**/2013 [redacted] called the borrower to notify them that the account was entering repayment and were able to leave a voice mail. Another call was made by [redacted] on 11/*/2013 to notify the borrower of the delinquency of the account. This call was answered and was hung up by a third party.

On 11/**/2013, UAS obtained a new phone number for the borrower through a third party source. UAS proceeded to call this number several times during the months of November and December, but did not reach the borrower. [redacted] then called this number on 12/**/2013 and left a voice mail. On that same day, the borrower updated her email address with University Accounting service and also changed her billing method to electronic and paper.

While we at [redacted] go to great lengths to update our borrowers’ contact information, it is ultimately the responsibility of the borrower to ensure the loan’s servicer has the most up-to-date contact information. In this case, UAS was eventually able to locate new contact information through its own efforts.

Since contact was established, we have been willing to work with the borrower to rehabilitate the account. The borrower is currently enrolled in a temporary modified payment plan. The purpose of the payment plan is to rehabilitate accounts that have gone delinquent by offering temporarily lowered payments.

While we do offer the option to make reduced payments in order to rehabilitate accounts, the loan will still accrue interest in accordance with the terms set by the Master Promissory Note. As such, a borrower’s loan balance may increase if he or she requests a temporary payment plan amount that does not cover the monthly accrued interest. If a borrower chooses to, he or she can make payments equaling or exceeding the required amount in order to pay off the accrued interest each month. We enforce no penalty for prepayment.

On 07/**/2014, the borrower emailed us at [redacted] requesting a mailed copy of her Master Promissory Note. On 07/**/2014, we mailed the Master Promissory Note to an address confirmed by the borrower in the same email chain. We will continue to work with the borrower and will provide answers to any questions that may arise once the borrower has reviewed her Master Promissory Note.

Sincerely,

Review: I sent two e-mails to this company, but I cannot get a response. The first e-mail was sent about 8 days ago and the second one was around 5 days ago. There is no phone number to reach the company, and, if their representatives decide not to lower my interest rate, I need the payoff information soon so that I can consolidate my private student loans with another company, who is currently waiting on that paperwork. I have copied and pasted my e-mail below. Thank you in advance for any help you can provide.

Dear Sir or Madam:

I have three loans with your company at 8% APR. Overall, I've been pleased with your company, but I have an offer from CU Loans for a lower interest rate. My credit score has significantly improved (692) and my salary is much higher ($60,100/yr) than it was when I first took out a loan with your company. Would you be willing to negotiate for a lower fixed rate APR?

If not, please send me the following documents via e-mail so that I can switch over to CU Loans:

"Please provide your most recent loan statement and a payoff letter or screenshot with a payoff 30-45 days into the future. Please ensure the payoff letter you provide has a 'good through' date."

I would need this information for all three loans.

I would rather stay with your company if you're willing to lower my APR to a number that we find mutually acceptable. I tried to contact you by phone, but I reached your billing service, which is apparently not authorized to negotiate interest rates. Thank you in advance for your help.

Sincerely,

[redacted]Desired Settlement: I would like an answer to my e-mails.

Business

Response:

To whom it may concern,

The borrower emailed the Younomics customer support inbox, [redacted], on February [redacted], inquiring if he could negotiate his APR or create payoff letter for 30-45 days in the future. The borrower then sent a follow up request on February [redacted] at 1:58PM. A reply was sent by [redacted] at 2:12 PM on February [redacted] which stated that we are unable to alter his interest rate as that would require us to re-underwrite his loan. We informed the borrower that we would send him the requested 30 day payoff letter and the letter was subsequently sent on 02/**/2014. The borrower has since confirmed receipt of the payoff letter.

Sincerely,

Younomics