Isram Wholesale Tours and Travel, Ltd.

Response: Please find this as a response to the Compliant: [redacted] When the account was previously reviewed on 2/17/**, it appeared as though the accounting department had completed the work up of the accountThat was incorrect and we apologize for the misinformationHowever—per Federal Student Aid guidelines*—the accounting department has up to days after the inactive determination to apply any tuition reduction and financial aid refundThe work up of the account has since been completed and there is eligibility for a 25% reductionThis reduction is in accordance with the tuition reduction policy for continuing students that can be found in our school catalog, page The school catalog can be found by visiting Sullivan’s website at www.sullivan.eduDetails of the reduction policy would have also been available by visiting a link in the withdrawal confirmation e-mail that was sent to you on February 5, 20**The 60-70% reduction you reference in your complaint is for first quarter students onlyIn addition, we are unable to locate any e-mail or call notes on the account to reflect a 60-70% reduction being communicated to you at any pointIf you have notes to reflect such communication, please feel free to send those to us for reviewAll appropriate reductions and refunds have been applied to the account and the current account balance is correctWe do apologize if the responses from Financial Planning seemed shortWe will review all notes on your account and use this opportunity to improve communication [redacted] Federal Student Aid Handbook: A school must offer any post-withdrawal disbursement of loan funds within days of the date the school determined the student withdrewA school must always return any unearned Title IV funds it is responsible for returning within days of the date the school determined the student withdrew %

[redacted] have been in contact with the Registrar's office regarding Ms [redacted] 's latest complaint concerning the receipt of her transcript Please be advised that she had requested the transcript be sent to [redacted] on Wednesday, October 18th She later contacted our Registrar's office again indicating that she had given the wrong address to where the transcript was to be sent The transcript was processed on Thursday, October 19th and sent to [redacted] at the new address given by Ms [redacted] Ms [redacted] was also sent an email that same day indicating that the transcript was mailed that morning

Good Afternoon,After careful review, it was found that Ms [redacted] ' had been overcharged during her enrollment at Sullivan University According to our findings, her instructor had dropped her from classes during week of the quarter resulting in the original amount in her complaint After investigating it was found that she actually attended through week 2, and should have had a 20% obligation instead of the 40% that she was charged A reduction was done resulting in a balance owed in the amount of $ Because of our error in reporting Ms [redacted] 's attendance, it is the decision of the University to award her will a Sullivan Institutional Grant in the amount of $1082, which clears her tuition balance is full.We do apologize for our error and are glad we were able to resolve this issue We will be sending Ms [redacted] a copy of her student ledger so she may have for her records validating her tuition account balance with Sullivan University has been fully satisfied Please feel free to contact me if you have any additional questions.Sincerely, [redacted] ***Director of Account ResolutionsSullivan University System

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowThe only thing that has changed since bringing this complaint against Sullivan University is that they changed my account and are now giving me a balance owed of over $2700! This is not all all accurate I had financial aid which would have covered the amount of the courses I was in which should be no where near that amount of money I would like an exact break-down of where this over $charge is coming from and why Sullivan University abruptly removed the financial aid from my account once a complaint was filed I attached the email from *** from 2/18/** stating that my balance was zero I would like to know how I went from having a zero balance, to my financial aid being taken for almost $5000, to me filing a complaint to now being told I owe the college over $ Thank youRegards,
*** ***
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Student has paid her account in full with the collection agency handling the account This was done on October 16th Payment was verified through the agency today when she explained she had taken care of the balance The hold has now been released We are in the process of
releasing her transcript as requested

Please find this, as a response to Mr*** ***' complaint with your office concerning his outstanding balance in the amount of $owed on his Career Education Funding Loan, (CEF) with Sullivan University SystemYou will find enclosed, a copy of his CEF prom note with the UniversityThe
prom note indicates that he agreed to repay the total of $11,over the course of months at 8% interest until paid in full. The prom note indicates that he will also be assessed a late fee in the amount of $each month, if the full amount billed each month is not paid by the 15thThe Prom Note also goes on to say that Sullivan University has the right to accelerate the CEF loan if payment has not been received with days after the amount is due. Mr***' CEF loan became due on September 1, 2013. He was scheduled to make monthly payments in the amount of $226.79. This amount needed to be paid by the 15th of each month. Failure to make his payments by this date, resulted in the $late fee being added. Below, is synopsis of his account, as it stands through October 15, 2016: scheduled payments to be received as of 10/15/2016: $8,618.02 (X $226.79) late fees added due to full amount billed not being paid on time: 360.00 (X 15.00) TOTAL AMOUNT THAT WAS EXPECTED TO BE PAID IN BY 10/15/$8, TOTAL MONIES RECEIVED FROM MR*** AS OF TODAY: $8, PAST DUE REMAINING: 947.53 (REFLECTS PAST DUE) Throughout the years, Mr*** has become past due, but had not been to the extreme as it is now. Our Corporate policy is that once an account reaches days past due, it is forwarded to outside collections. Our final notice was sent to Mr*** on 9/1/16, indicating that it was necessary for him to pay $in order for us to continue to work with him. This needed to be paid by the end of September. Mr*** contacted our office on 9/26. He verbally authorized us to run $on 10/7/2016, and on October 20th, resume his scheduled monthly payments of $Although it was past our payment deadline, I approved the payment extension past our hold time because his past due amount would be paid. On October 7th, we ran the payment of $per his authorization. The payment ran successfully. Mr*** contacted us a couple hours later and asked us to void the payment. It was explained if we voided the payment, we would have no other choice than to forward the account out, because he was more than days past due. The decision was up to him. He again, asked us to void the payment. This was done per his request, leaving him with a past due amount of $due for OctoberMr***' remaining balance of $5589.06, is currently in the process of being placed with collections as was explained to him on October 7thIt is unfortunate that Mr*** feels we have not been willing to work with him, when it is obvious that we have. We could have accelerated the loan on many occasions, based on the terms of the agreements signed, but understand sometimes there are circumstances that may prolong a payment to be made on time. We simply cannot continue to hold on to his account or re-adjust the status when other students under the same guidelines are being sent for outside collections. Please feel free to contact me if you have any further questions. Sincerely, *** *** Director of Corporate Collections Sullivan University System

To Whom It May Concern: Please find this as a response to complaint #*** filed by *** ***, concerning his outstanding account balance owed to Sullivan University, related to two textbooksMr*** originally filed a letter of dispute with the University after receiving a letter from us
requesting payment of his accountIn this letter, he indicated he did not owe this balance, stating he was under the impression that all of his textbooks, tuition, etc., were covered through Financial Aid. Enclosed, you will find copies of his dispute and complaint, along with our official response to Mr***, policy for the eligibility and return of Title IV funds, and policies for student financial obligations and eligibility These policies were included with the Application for Admission completed and signed by Mr***, as well as within the Sullivan University Academic Catalog, for which Mr*** acknowledged receiving. The following was included in our response to Mr***: “I understand your interest in learning the reasons for you owing the $remaining balance, for textbook purchases. For the summer quarter you were awarded scholarships and loans, funds which both require you to be in attendance at least half time at the time of their disbursement. As you withdrew during the first week of the quarter, you were not eligible for either of these funds. This first week withdrawal also entitled you to a full tuition refund, leaving the current balance on your account of $due to book store purchases you made for your summer courses.” Since Mr*** withdrew from all courses prior to the week-one drop period, all tuition and fees were refunded, and no Financial Aid was distributed per Department of Education regulations and Sullivan University’s Policy on Return of Title IV FundsWe have provided Mr*** with alternative options to reduce the amount of his balance owed, including the possibility of returning his used textbooksPlease feel free to contact me if you have any additional questionsSincerely, *** *** Senior Director, Online Services and Support Sullivan University *** *** * *** *** Gardiner Lane, Suite Louisville, KY http://sullivan.edu

Response:
As stated previously, the account balance reflected $0, however, that was prior to Accounting performing the work up of the accountOur Accounting department worked up the account on 2/26/** and applied applicable tuition reduction as well as reduction of financial aidThe account balance is now accurateStudent did receive financial aid, however, financial aid is not earned up frontThe funding is actually earned as a student attends classesTherefore, any time a student does not complete classes, there is a possibility that they have not earned all of the financial aid on their accountIn these cases, Accounting is required by federal law to refund the unearned financial aid to the federal governmentThe policy for financial aid refunds is belowThis policy can be located in the school catalog on page and In addition, this policy is available for review on every award letter that financial aid recipients acceptPolicy on Return of Title IV Funds Federal financial aid funds are awarded with the expectation that students earn a percentage of the disbursed funds each day of class attendance each termWhen a student who has received federal financial aid funds (Title IV Funds) leaves school before the end of the term, federal law requires Sullivan University to calculate the percentage and amount of unearned financial aid funds that must be returned to the federal governmentOnce a student has completed more than 60% of a term, he/she is considered to have earned all funding receivedThis calculation may have the effect of requiring the student to repay funds that have already been disbursed to the studentStudents are encouraged to meet with their financial planning administrator prior to making the decision to withdraw from schoolThe order of repaying the funds is as follows: Unsubsidized Direct Stafford loans (other than PLUS loans) Subsidized Direct Stafford loansFederal Perkins loanDirect PLUS loansFederal Pell Grants for which return of funds is requiredFederal Supplementary Educational Opportunity Grants (FSEOG) for which a return of funds is requiredFederal Teach Grants for which a return is required
*** ***%

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The entire thing has changed yet again.  For some reason the college was fine with taking my almost $5000 and even getting rude with me about it until I filed a complaint with the Revdex.com.  I tried several times to resolve this and nothing was done.  Now, in this answer from the college they are saying yet another mistake was made but now the account is correct (was told this twice before already).  Now when I check the account it shows an over $2700 balance OWED!  I had financial aid which paid for the amount of time I was enrolled.  I do not owe this college anything.  The remaining financial aid should have remained in the account toward the next semester or returned.  That aid can also go toward enrollment in a new college.
Regards,
[redacted]

We had spoken to Ms. [redacted] and asked her to provide a written statement formally disputing her balance based on FDCPA compliance.  The complaint she has provided you, gives us detail information on why she feels the balance isn't owed.  I have forwarded her complaint to the University...

Ombudsman for his review.  Once he has investigated, I will initiate our formal response.Regards, [redacted], Director of Account Resolutions

Good Afternoon,Ms. [redacted] has forwarded me the formal complaint received by Ms. [redacted].  Please be advised that our response has been sent via USPS today which includes various attachments.Once received, please feel free to contact my office if you have any...

questions.Sincerely, [redacted]Director of Corporate CollectionsSullivan University System

Response:
Please find this as a response to the Compliant: [redacted]. When the account was previously reviewed on 2/17/**, it appeared as though the accounting department had completed the work up of the account. That was incorrect and we apologize for the misinformation. However—per Federal...

Student Aid guidelines*—the accounting department has up to 30 days after the inactive determination to apply any tuition reduction and financial aid refund. The work up of the account has since been completed and there is eligibility for a 25% reduction. This reduction is in accordance with the tuition reduction policy for continuing students that can be found in our school catalog, page 93. The school catalog can be found by visiting Sullivan’s website at www.sullivan.edu. Details of the reduction policy would have also been available by visiting a link in the withdrawal confirmation e-mail that was sent to you on February 5, 20**. The 60-70% reduction you reference in your complaint is for first quarter students only. In addition, we are unable to locate any e-mail or call notes on the account to reflect a 60-70% reduction being communicated to you at any point. If you have notes to reflect such communication, please feel free to send those to us for review. All appropriate reductions and refunds have been applied to the account and the current account balance is correct. We do apologize if the responses from Financial Planning seemed short. We will review all notes on your account and use this opportunity to improve communication. * Federal Student Aid Handbook: A school must offer any post-withdrawal disbursement of loan funds within 30 days of the date the school determined the student withdrew. A school must always return any unearned Title IV funds it is responsible for returning within 45 days of the date the school determined the student withdrew.
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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
They have yet to confirm my trans opt is in the mail and given their repeated lies and attempts to steal from me, I don’t trust them. So I don’t take their word for it that they’re suddenly working on it. When they confirm it has gone out in the mail, THEN I will accept their response and consider this dispute closed. However, I will still be filing a complaint with the Revdex.com because I don’t believe this “school” deserves accreditation.
Regards,
[redacted]

[redacted] have been in contact with the Registrar's office regarding Ms. [redacted]'s latest complaint concerning the receipt of her transcript.  Please be advised that she had requested the transcript be sent to [redacted] on Wednesday, October 18th.  She later contacted our Registrar's office again indicating that she had given the wrong address to where the transcript was to be sent.  The transcript was processed on Thursday, October 19th and sent to [redacted] at the new address given by Ms. [redacted]. Ms. [redacted] was also sent an email that same day indicating that the transcript was mailed that morning.

Revdex.com:
I have reviewed the response made by the business in reference to [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Their response says they included proof of my book purchase. They didn't though. I definitely did not receive any books. 
Regards,
[redacted]

Good Afternoon, Please be advised that [redacted] has forwarded [redacted] complaint for my response.  Unfortunately, I am currently out on medical leave and have just been able to review her concerns.  I am in the process of gathering the documentation and will respond to you in...

writing within the next 2-days. I apologize for my delay in response but will have it to you as quickly as possible. Sincerely, [redacted]
[redacted]
[redacted]

Sullivan University System COLLECTION SERVICESDecember 15, 2016Revdex.comConciliation Department 844. S. 4th Street Louisville, KY 40203 RE: [redacted] (Case # [redacted])Dear Case Manager,Please find this as a formal response to the formal dispute you received from Ms. [redacted]. I have reviewed her complaint and am prepared to explain her account.First, it was found, that Ms. [redacted] had been over-charged her quarterly meal plan. She attended class during the first quarter of her Housing Agreement, which also outlines our meal plan charges. This agreement indicates a student will be charged 100% of their housing charges for their entire lease term. Although the meal plan falls under the Housing Agreement, the meal plan is pro-rated based on attendance each quarter. Since Ms. [redacted] failed to attend her 2nd and 3rd quarter, the University has reduced her meal plan charge in the amount of $2240.00. Her meal plan obligation is now $1120.00.As stated above, all students are charged 100% of their housing lease. There is no pro-ration on housing costs. Per the Gardiner Point Residence Hall Policy Agreement, it indicates a student's rights and responsibilities found in our Student Handbook, the GP Residence Hall and the Residence Life Policies and Procedures Manuel. Per this agreement, Ms. [redacted] indicates that she has read our policies outlined in our on-line versions of these manuals. When Ms. [redacted] went into to formally withdrawal from the University, she indicated that Sullivan University did not meet her expectations. Per her right under our housing policy, she could have appealed her housing charge by indicating why she would be leaving. It would have been reviewed and a decision made based on the facts of her appeal whether or not her lease Could be pro-rated. The only correspondence given by Ms. [redacted] was her formal withdrawal with the University indicating Sullivan was not to her liking.In regards, to Ms. [redacted]'s concern regarding her academic standing with the University, this too has been reviewed. It seems that Ms. [redacted] was sent various documentation concerning her academic standing with the University. Ms. [redacted] attend 2-quarters with us. The first quarter, she attended under our jump-start program, which allowed her to take a college level class, free of charge while she was still attending high school. The student would receive academic credit that would go towards the student's degree if they choose to continue classes after graduation. Ms. [redacted] received a grade of NF for this class resulting in a GPA of 0.00 for that quarter. This was during the fall 2015 quarter. In fall 2016, Ms. [redacted] chose to enter Sullivan as a full time student. She was charge based on the enclosed Tuition and Housing agreements. During the mid-term, it was found that Ms. [redacted] was placed on academic advisement and placed on Financial Aid warning. Simply speaking, in order for a student to be eligible to receive federal financial aid, they must have successful academic progress. Ms. [redacted] fell short at this time, and the enclosed warning went out to her. She had her chance to appeal the University's decision. The University never received an academic appeal. Shortly after, Ms. [redacted] came into the University and formally withdrew from school for reasons notated above. At the end of the quarter, because she had attended 2 quarters, and did still had a GPA of 0.00, she was Suspended for Sullivan University. The enclosed letter explains her rights to file an appeal.I have enclosed various documentation supporting Ms. [redacted]'s corrected balance of $8999.99. At this time, we are willing to set an interest free payment plan to help her satisfy her obligation if she is unable to pay her account in full. The least we can accept on a balance this size is $150 a month. This will have her paid off in 60 months. If she chooses, she may make a lump sum down payment, which will lessen her monthly payments depending on the amount she pays. She can contact my office at ###-###-####.I am placing her account on hold until January 16, 2017. This should give her enough time to review the enclosed documentation and contact my office if she has any additional questions.Sincerely,[redacted] Director of Corporate Collections Sullivan University SystemEnclosures

First of all the online class that I took was not failed, I decided to drop it. Second of all, if the online course was going to prevent me from obtaining FA then why would Sullivan even offer it to me? I love how the college keeps saying that I got suspended for attendance. That's a straight up lie! I only attended classes for four days!! It directly states in the contract week one 90 percent reduction less the administrative fee of $100.00. Tuition reduction policy-first quarter students only. I was not terminated from Sullivan, I withdrew due to the fact that what I was told about the program was in fact not true. I am so upset and disappointed with Sullivan. I hoped this was going to be the right choice for my future. After filling out a questionnaire for roommates I was still roomed with a smoker. I have allergies and can not be around smokers. Then no WiFi to a flea infested movie theater. Sullivan is a joke.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

SEE ATTACHMENT FOR ORIGINAL RESPONSE AND DOCUMENTS.
Mr. [redacted] enrolled at the Sullivan University Louisville Campus for the Summer 2000 start pursuing a PC Support Specialist degree. In 2004, Mr. [redacted] was suspended due to lack of academic progress. Mr. [redacted] contacted Sullivan...

University Online for the Summer 2014 quarter to begin pursuing a new degree. Mr. [redacted] originally applied for an Associate Degree in Health information Management, but changed his degree to a Bachelor of Science in Business Administration before beginning the quarter. Due to Mr. [redacted]'s lack of academic progress, the student was directed to the appeal form via the Sullivan University website. Mr. [redacted] appealed and was accepted for re-entry on an Academic Recovery Plan for the Summer 2014 quarter. At this time, Mr. [redacted] questioned why more credits did not transfer from the Art Institute of Colorado. Upon review, the University had accepted quarter hours that were not equivalent to Sullivan University courses in 2000, in good faith, Sullivan University Online completed an academic waiver and accepted the additional transfer credits from the Art Institute of Colorado. Mr. [redacted] appeared to be satisfied with the academic waiver and he continued the re-entry process for the Summer of 2014. Mr. [redacted] successfully completed the Summer 2014 quarter and maintained academic progress to continue to the Fall 2014 quarter. On 10/24/2014, Mr. [redacted] was dropped due to non-engagement and was suspended for not meeting the terms of his Academic Recovery Plan. No contact was made by Mr. [redacted] regarding his suspension or lack of engagement in his courses. In the Spring of 2015, Mr. [redacted] was directed to Re-Entry. As a result of Mr. [redacted] being dropped from the Fall 2014 quarter, a balance of $1463.00 was on the student's account. He was directed to make a payment of $420.00 in order to begin for the Spring of 2015. Due to a mistake when filing his taxes, Mr. [redacted] was unable to complete the re-entry process for the Spring 2015 quarter. The student was also notified that his new tuition rate would be $230.00 credit hour during the reapplication process. Displeasure or concern was not addressed or vocalized from Mr. [redacted] at that time regarding his tuition rate. Mr. [redacted] attempted to reenter for the Summer of 2015 quarter. The balance on the student's account was $1,043.00 and his payment would be $100.00/month as set up on a payment plan. During discussions with Academic Services, Mr. [redacted] expressed his concern for taking MTH201X-College Algebra. Due to the student's prior attempts and voiced concern with College Algebra, the Registrar suggested the student take College Algebra in a classroom setting to better comprehend and succeed with the material.
Due to Mr. [redacted]'s location, the student could not take courses at the Sullivan University Louisville Campus. The Registrar suggested that Mr. [redacted] take an equivalent of MTH201X-College Algebra at his respective local community college. At this time, the Registrar requested a course description of the intended transfer course to pre-approve the transfer credit. The Registrar also advised Mr. [redacted] that a C or higher would have to be obtained, and an official transcript would have to be sent to Sullivan University when completed to grant the transfer credit, Mr. [redacted] understood the request and called to request pre-approval for the course, His approval to take the course was granted. On August 28°, 2015, Mr. [redacted] reached out to the Corporate Collection Office to obtain an official transcript as required by the policy set forth at the student's local community college. Due to the prior balance on Mr. [redacted]'s account, the student's unofficial and official transcript were unable to be released. When his transcript request was denied, Mr. [redacted] became hostile toward University Staff and expressed vulgar and offensive language toward a University Employee. Mr. [redacted] made the full payment on his account and processed his transcript request on the same day. Attached please find documentation to show the sequence of events of the above statements. Sincerely, [redacted] Executive Director Sullivan University Online