1File.org

Client contradicts her own statements Initially she states 1FILE did what she contracted 1FILE to do, which is get her a $Zero Dollar payment, then she states something about a $payment to FEDLOAN which is what the payment was and would remain had we not approved her and enrolled her in the $payment Income Based Repayment Federal programWe have cancelled the client and have ceased all collection

We are terminating our agreement with [redacted] without pursuing any balance due, as is our right under the law, By the clients own words, we did what we were hired to do...resulting in client being approved for a Monthly Student Loan payment of $for Months, which client claims she could have done herself...at the time of her call to us she had not(eligible since Sept 2012)We helped her successfully take advantage of the programs which we made her awareWe delivered approvals and enrollment in to Public service Loan Forgiveness and Income based repayment under the William D Ford Act resulting in her loans being forgiven after payments of $? , she called us and was explained all of her options and decided to enter in to a signed agreement with us for our servicesWe delivered for the client as agreed.?

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 Regards, [redacted] This Company is now calling me and screaming and threatening me about further payment they attempted to collect out of my bank account DESPITE I HAD TO DO THE WORK THIS COMPANY WAS PAID TO DOAlso despite on this Revdex.com website they responded stating they would not be collecting any further payments from my bank account and I would dropped as a customerJust today 12/12/SATURDAY I'm receiving these very rude calls and insufficient fund calls stating I owe them stillThis has now become harassment, I thought I could handle this myself but I clearly will need assistance legally if this continues For anyone reading this Just call your student loan company they do not advise this company they also ADVISED me to call the attorney general office to get info on this company and or file a complaintI truly want this situation behind me but if they continue to attempt to take funds from my account I clearly can't move on

We have reviewed your file and request for a refund ?" our Determination is that you are Not eligible for a refund, based on the following reasons: -? ? ? ? ? ? ? ? ? Client was approved and enrolled based on quoted payment towards student loanAll of this information was verified with client during recorded Quality Control verification call -? ? ? ? ? Documented timeline and correspondence record of client being notified via phone and email when the application was submitted, and completed -? ? ? ? ? ? ? ? ? At time of completion, client was asked to contact our office to set up online acct with current servicer to set up payments ?" We never received a call or email reply from client All work has been completed per contract, client was aware of past due amount, and after contact was finally made a forbearance was requested on his behalf until Dec ?" Late payments have been removed

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 Regards, [redacted] 1File.org uses and Internet address (.org) typically used for non-profit organizations, schools, and open source projects ?" it turns out that they are a for profit third-party business entityWhen they contacted me by phone, they had all my personal information to include loans, dollar amounts, loan status, school information, academic status, department of education files numbers, and lender informationThey said that they would be able to “assume the loan” (take over the loan) from my lending institution as part of a Department of Education loan forgiveness programWhen asked should I contact my lender the response was “no” that the paperwork would be submitted and the transfer was an automatic processThey have all of my personal information to include birthday, SSN, banking account information, school information, financial information, tax information, and student loan informationCoincidentally, yesterday, September 29, someone tried to set up a fraudulent internet banking account in my name and attempted a Western Union money transfer of funds from my accounts ?" apparently those involved had all of my personal and banking informationI was contacted multiple times by 1File.org both by people and recorded messages to sign up for Department of Education student loan debt relief and forgiveness programs even after I had signed up with 1File.orgEach time I spoke to a person, they offered “better rates” and the last offer said that all I would need to do is pay the $then $per month for years (months) and the loan balance would be forgivenDoing the math + 39x= $12,After consulting with my student loan provider (Great Lakes https://www.mygreatlakes.org/educate ), I could qualify for the income-based loan forgiveness program with no cost or processing fees; additionally, NONE of the fees collected by 1File.org would be applied to either the loan principle or interest as was mentionedAll the money is going directly to 1File.org (aka EDUNET)According to Webster’s dictionary ?" Default: “A failure to pay financial debt.” If the principle or interest of a loan is not paid for years, this meets the definition of defaultIf a person is standing at the edge of a cliff, one need not take a step to know what the end result will be.? After having contacted my loan lender, the Department of Education (DOE), and discussed the loan information and repayment status and available plansIt was here that I was made aware of third-party companies misleading individuals that they represent the DOE regarding student loan consolidations and repaymentsand examining Revdex.com (Revdex.com) reviews on 1File.org, there were similar patterns of deceptive practices that I had experiencedAfter conducting this research and speaking with my loan provider confirming that the loans had not been taken over and that they had never heard of 1File.orgI also spoke with my bank regarding payments made to “EDUNET.”Examples are emails received during my student loan forgiveness processingThe emails appear to be an official request from the office of student aid, US Department of EducationApparently, 1File.org was able to access and change my DOE student loan passwords, which adds to the impression that they are connected with the Department of Education.FSA ID Information To [redacted] Apr at 2:PM Dear [redacted] ,? To reset your password, enter the following secure code into the Secure Code field on your Web ? ? ? ? ? xxxxxx? Once you have entered the secure code you can change your password.If you have any questions or need help, visit https://fsaid.ed.gov and select Help for more details.? Thank you,? U.SDepartment of EducationFederal Student AidThis mailbox is unattendedPlease do not reply to this message.? FSA ID Information To [redacted] Apr at 2:PM Dear [redacted] , ?"Why We Are Contacting You?" This e-mail is to alert you that your FSA ID password was recently changed?"What You Need To Do?" If you made the change, you can ignore this e-mailIf you did not make the change, you need to contact customer support at 1-800-433-If you have any questions or need help, visit https://fsaid.ed.gov and select Help for more detailsThank you, U.SDepartment of Education Federal Student Aid This mailbox is unattendedPlease do not reply to this message.? Finally, if details and conversations are recorded, then 1File.org is aware of their practices.? ?

Absolutely great customer service by Gil today! Went above and beyond! Much appreciated! [redacted] **

Client enrolled in our service on 4/18/and signed an agreement which in very plain clear English states our relationship and the services in section # (Copy below)I have also attached a Third Party Verification recording done prior to enrollment with the client which clearly discloses all fee's and payment amounts and how they are applied.As well as clients acknowledgment of all contact phone numbers and email contactsThis information is also on the agreement and in a verification email.SECTION OF SIGNED AGREEMENT2.Nature of Service; No Legal or Tax Advice1FILE.ORG is a private company not affiliated with any government agencyClient acknowledges that the programs that Clients is seeking are available without cost to ClientClients has retained 1FILE.ORG to perform work and processes that the Client could have chosen to do themselvesThe Client acknowledges that 1FILE.ORG is not a law firm, and that no legal or tax advice can or will be provided under this agreementClient acknowledges and agrees that the Services do not consist of any renegotiation, restructure, reduction or other adjustment of the terms of any existing loan or debtSERVICES RENDERED:Client disputed charges with her bank.We provided all documentation to clients bank confirming all the steps of application , through approval with her current servicer.Proving we put the client in a better position than she was in prior to us filing her paperwork and delivering the results promised.No credit is being effected, in fact her Debt to Income Ratio is improvedThe client application was denied on first attempt as client stated however we refiled and dropped her payment to $from $

Client Status: Application Completed Client was provide all services contractedThe current servicer sends statement in the Mail directly to the client, we are not responsible for Non payment after the work is completedClient Charged back all of the charges we receivedThere isn't any more charges that we can return to the card as they have all been charged back

I was working with 1file.org to consolidate my Federal Student Loans and work on debt forgiveness Unfortunately, they were not able to help due to loans being consolidated between my wife and II was also told they would contact my current company and they would work with them in closing my account and I would be making payments with 1file.org I still received statements from my current company I called my first company and they had never heard of 1file.org I am currently waiting on repayment of $for three payments made to the company I have contacted 1file.org several times and have been told that I was going to be credited back the money due but it has never shown up on my bank statement I have an email dated March stating a refund is being processed and I should hear back within in 3-business days for the proccessing to be completed I have also contacted them two more times this month and was told I would get a call back later that day after my representati

Dear Revdex.com, Our initial position has not changed and we feel it already addressed in our prior response to client's complaint Thank you

Mr [redacted] has been enrolled with us since 1/29/In the contract he signed with us at the time of enrollment (attached), it was very clear that we would be processing documentation on his behalf through the Department of Education and also the loan servicer, which is Fed Loan ServicingEmails are created for clients to enable us to properly manage their accounts, and all information is then forwarded automatically to the client's personal email accounts which they provide to us Mr [redacted] 's claim that the Dept of Education or loan servicer was "unable to contact him", is simply NOT trueMr [redacted] has been receiving correspondence to his personal email since the day he enrolled with us on 1/29/We completed an Income Driven application for him last year and he received an approval from Fed Loan Servicing for a $payment for monthsWhen it was time to recertify his repayment plan, we contacted him several times via email and phone with no response to usBelow, you will see screenshot of an email opened and read by client and also detailed notes written in his file He has since cancelled his enrollment with us and filed this complaint

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.This is not true the program they put me on is what I was already on through [redacted] all they did was change my lender and I did not receive the $10,debt forgivness that they said I qualified for Regards, [redacted]

Client enrolled in our service on 4/18/and signed an agreement which in very plain clear English states our relationship and the services in section # (Copy below)I have also attached a Third Party Verification recording done prior to enrollment with the client which clearly discloses all fee's and payment amounts and how they are applied.As well as clients acknowledgment of all contact phone numbers and email contactsThis information is also on the agreement and in a verification email.SECTION OF SIGNED AGREEMENT 2.Nature of Service; No Legal or Tax Advice1FILE.ORG is a private company not affiliated with any government agencyClient acknowledges that the programs that Clients is seeking are available without cost to ClientClients has retained 1FILE.ORG to perform work and processes that the Client could have chosen to do themselvesThe Client acknowledges that 1FILE.ORG is not a law firm, and that no legal or tax advice can or will be provided under this agreementClient acknowledges and agrees that the Services do not consist of any renegotiation, restructure, reduction or other adjustment of the terms of any existing loan or debt SERVICES RENDERED: Client disputed charges with her bank.We provided all documentation to clients bank confirming all the steps of application , through approval with her current servicerProving we put the client in a better position than she was in prior to us filing her paperwork and delivering the results promisedNo credit is being effected, in fact her Debt to Income Ratio is improvedThe client application was denied on first attempt as client stated however we refiled and dropped her payment to $from $

? This complaint to the Revdex.com comes after the client filed a chargeback with her credit card company and the money was returned to her at which point our bank went to arbitration with her bank and with our paperwork proved beyond doubt that we had completed the services she paid for, all the disclosures were made and agreed, a verification recording was supplied proving the client was well aware of our relationship, fee,s and loan payment amounts, so for the client to make accusations that she was told something different, is not evident anywhere and is a reach after we already proved our case to her bank and our merchant bank and reversed her chargeback

The client in question grossly misled our agent on his Total Income and when the actual IRS data came back with almost twice as much as the client disclosed, we advised the client his new payment amountClient was refunded

We completed an Income Based Payment of $for this Client, It did take a little longer than expected as her paperwork was mysteriously not received by her servicer and needed numerous submissions to completeClient has made of payments due, we are waiving the remaining two payments due to the misunderstanding

Please respond to the following issues raised by the consumer: - "They say that the monthly payments will be going towards your loans and after certain amount of time your loans are forgiven...The monthly payments in reality are for their own business, never towards your loans." This is simply not true,We record 3rd Party Verifications for each enrollment The TPV is simply created by establishing a 3-way call between our agents, a customer, and the TPV systemUpon connection TPV will ask the customer for identifying information, to confirm their agreement, and if they are the authorized Credit Card Holder and do they understand the relationship, payments and payment dates and other Terms and Conditions within our service agreement, by a neutral party who has no stake in that transaction TPV call recording is not requiredWe use TPV as reliable documentation of our Quality Assurance purposesIn that recording the client answered the following with a very clear YES to all.(FILE ATTACHED) Email address: Tax Filing Address: Filing Status: AGI: Family Loan Program: Enrolment Fee Obligation amount to Servicer: Monthly Service Fee: Payment Source: Payment Dates: - "So again I restate this company lies..they dont give percent money back guarantee because if they would, I would not be in this website requesting for my money."

Client enrolled in our service on 4/18/and signed an agreement which in very plain clear English states our relationship and the services in section # (Copy below)I have also attached a Third Party Verification recording done prior to enrollment with the client which clearly discloses all fee's and payment amounts and how they are applied.As well as clients? acknowledgment of all contact phone numbers and email contactsThis information is also on the agreement and in a verification email.SECTION OF SIGNED AGREEMENT2.Nature of Service; No Legal or Tax Advice1FILE.ORG is a private company not affiliated with any government agencyClient acknowledges that the programs that Clients is seeking are available without cost to ClientClients has retained 1FILE.ORG to perform work and processes that the Client could have chosen to do themselvesThe Client acknowledges that 1FILE.ORG is not a law firm, and that no legal or tax advice can or will be provided under this agreementClient acknowledges and agrees that the Services do not consist of any renegotiation, restructure, reduction or other adjustment of the terms of any existing loan or debt.? SERVICES RENDERED:Client disputed charges with her bank.We provided all documentation to clients bank confirming all the steps of application , through approval with her current servicer.Proving we put the client in a better position than she was in prior to us filing her paperwork and delivering the results promised.No credit is being effected, in fact her Debt to Income Ratio is improvedThe client application was denied on first attempt as client stated however we refiled and dropped her payment to $from $177?

We delivered this person as agreed a $Payment as he agree'sSomething his servicer failed to tell him years ago either because they felt it wasn't in their best interest or it wasn't profitableWe are shocked he is anything but happy due to his financial hardshipWe are sorry he understood the agent as being a part of the Department of Education after we confirm this detail in a Quality Control Third Party Verification which goes over our relationship and the clients understanding as well as it is clearly written in a very plain English agreement which he reviewed and signed

? Client Status: Application Completed? Client was provide all services contractedThe current servicer sends statement in the Mail directly to the client, we are not responsible for? Non payment after the work is completedClient Charged? back all of the charges we receivedThere isn't any more charges that we can return to the card as they have all been charged back