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1File.org Reviews (460)

Yes everybody can do this on their own we advise people they can do this on their own however at the time we talk to this client she had not done it and she had been eligible for years we enrolled this client as agreed with full disclosure and finally completed the program she requested
After completion,only then her servicer advised she could do it on her own and told her about the program.where were they when she was eligible years ago.we saved this client money bottom line we did the work contracted as she requested and we delivered as promised

This company calls you makes them give you all your personal information They have real poor communication skills, management chews candy in your ear and refuses to work with you They are very dishonest, They lack customer service skills They don't even help you with your student loans like they call and promise They say you qualifya month goes by something is going onI had to find out by realizing they didn't negotiate anything with my previous student loan carrier as promised I had to call them and they acted like it was no big deal In the mean time they collected and held my money I was late on my current student loan and interest occurred on my student loan A far cry from helping meMaking life worse

I'm filing this complaint today because I'm completely dissatisfied with the "so called" that I received from the company 1file.orgOriginally upon signing up for their service I was hesitant because I've never heard of there company, initially I couldn't find any relevant info about the company and I just had an overall bad feelingMy goal was to pay down my student loan debt and at the same time improve my credit, which initially, to my understanding, the company 1file.org would help me do soAfter a long back and forth conversation, I reluctantly agree to sign up for their serviceMy worries began to grow after needed addition information, I was unable to get anyone from the company on the phoneFinally when I did, I spoke to a woman and asked her what exact service am I paying for with this companyShe began to explain their services, which were not parallel to what was explained to me upon signing upI have already sent this company payment: one of $and two payments

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

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 below.I was asked by 1file.org to provide my annual incomeI did so on an estimate in which I calculated in my head for a few secondsI then provided information to allow 1file.org to get the exact amount of my annual income for 2014. I was not married at that time and my spouses income was only mentioned to find out how another income would effect us in the future1file.org quoted me at paying 39$ a month for payments and a 600$ service fee then my loan would be forgivenThe next phone conversation the price went as high as 169$ which as explained to me was 39$ monthly service fee and 129$ to the loan holder which was ***Why 1file.org didn't disclose the monthly service fee on initial conversation is still a mystery but I agreed with the amount because it was a lot less than the 271$ I was facing with *** without the assistance of 1file.orgAgain after that conversation and installment payments of 199$, the monthly quote changed again to 41$ total, during a conversation between 1file.org and my spouseAfter that conversation is when my wife and I decided to end our agreement with 1file.org because we couldn't get a consistent quote or answer to our questions concerning the quote differences1file.org says a refund was denied because work that they were contracted to do, was completed "beyond expectations." I think its obvious by now that as a client of 1file.org at the time, my expectations were clearly not achievedI believe it is also obvious that 1file.org has not acted in "good faith" by saying they agreed to waive any outstanding balance or else we would not be currently having this disputeAll that was said regarding a refund was that they would "start the refund process." Full payment was not issued to 1file.org simply because I did not want to continue to pay for a service that I was not satisfied withFurthermore, I absolutely did not claim the charge was fraud nor did I claim to have "no idea" who charged my credit cardI only claimed that I did not recognize the company name on my bank statement that the installments of 199$ were made to. Nothing about this whole process was ever done on my part with "malicious" intentI was only seeking clear and honest explanations of separate and drastically different monthly quotes and after not receiving any of that is when my spouse and I decided to cancel agreement. In latter and most recent conversations with 1file.org to get explanations or identify discrepancies, 1file.org representatives and management became rude, disrespectful, and unprofessional without allowing me to ask questions or seek explanations and was hung up on then my phone number was blockedMy wife and I were never at any point rude or disrespectful to any employees of 1file.org but my wife and I on the other hand were subjected to such
If I won't be refunded because the contract work has been completed, then I should be allowed to receive the services outlined in the contract stating that I would pay 41$ a month under the Income Based Repayment Plan
Regards,
*** ***

We consolidated his loans, and submitted his application for an Income Based RepaymentUpon consolidation the new loans become a different type of loan allowing for better reypayment programsHowever, Client called servicer at this moment his loans where consolidated and payment was at the "
Standard year rate", Servicer had yet to process the Income Based repayment application we submittedServicer made it appear as the client completed the process on his own over the phone, However that is not the factWe have all the supporting documentation showing the work completed on our behalf.So much of this is misunderstanding student loans, client has been eligible for this program for years and his servicer never advised him as it is not in their best interest or not profitable for them, after we contacted client he is now in a better position and I believe he understands more about his loans

This client is in a $dollar payment IBR signifying completion of exactly what we where contracted to do, he is current with *** *** and no past due payment have been reported

I thought 1file.org was calling on behalf of my loan companyI thought they were going to pay my loan and put the money I paid them toward the balanceThat was not the caseThey are a third party who got my information and took $and were expecting more!! I could've done this "service" myself!! Way to cheat people out of money when they are barely making their loans as isBe cautious!!

This is a CompanyThey are claiming to assist in student loan consolidation and in exchange grant a large amount of loan forgivenessThey charge a $fee and do not do anything at all with student loansThey had a lot of my personal informationTHIS IS A SCAM
This company also repeatedly called me over and over for weeks without leaving messages Also, they are not letting me cancel their fake services

1file.org contacted me regarding loan consolidation services and made promise that I pay less for my loans They were very misleading in their representation, not stating they were a third-party company and rely on the student loans working through the gov't website to imply their status as an official agency When they call, they have all of your personal information which is given to them as someone who works with student loans from the gov't, all the more reason they can pass themselves off as legitimate They reply to Revdex.com claims stating they are clear about this - I am letting you know your agent was not and I don't want that blanket reply you have given everyone else
They were not up-front about any fees I made two payments to them in the total amount of $across two months, upon which I then received word from actual student loan gov't officials that I have not paid them in two months None of the money that I have paid 1file.org has actually gone towards my debt, wh

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 below
I have not been reimbursed my full amount. I have bank records to show that $has not been refunded. I would appreciate if you would refund my money that was paid to you and you did nothing!
Regards,
*** ***

I filed with this business and was the worst thing I could have done!
I tried backing out after I was basically pressured to to sign an agreement but was threaten to be taken to collections so I gave in
Not only was I basically scammed for 500, they took an extra from my monthly payment or for a yearDid not re-file with this business, or will I ever
They failed to inform me that this was an easy process I personally could have done on my own, its all for profit
I hope people wont fall for this

This company said they were consolidating my federal student loans.They have been taking payments of out of my bank account for three months and now the federal government is still asking me for payments as wellWhy am I being asked to pay both? Where is myevery month going?

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***This company emailed me stating they would cancel my contract and cease all contact, and I no longer owe them anymore moneyTheir response was a lieI never paid $a month in loans previously, and they did not lower my payments to $

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 program.We have cancelled the client and have ceased all collection

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 That is not true that they credited the money back to my account, I am currently working with my bank so I can get my refund...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 moneySo once again I reject the response of the company..Regards,
*** ***

Application was completed in a Revised Pay as You earn with a payment of $as opposed to the $he was payingThats a great savingsThe idea that he did this over the phone is incorrect, loans can only change with an application process, not over the phoneHe might have called the servicer and they advised him the new payment application had been approved....which it was!

I filed with this business and was the worst thing I could have done!
I tried backing out after I was basically pressured to to sign an agreement but was threaten to be taken to collections so I gave in
Not only was I basically scammed for 500, they took an extra from my monthly payment or for a yearDid not re-file with this business, or will I ever
They failed to inform me that this was an easy process I personally could have done on my own, its all for profit
I hope people wont fall for this

The sales person that called me had all of my personal student loan information and told me that they would consolidate my loans and I also qualified to have 60% of my loans forgiven I was lead to believe that the monthly payment they were taking out of my account was being applied to the remaining 40% of my loans and I could pay more monthly if I chose to A few months after paying the $a month for months to get them consolidated and a couple of the smaller payments had been taken from my account, I noticed that my loans were increasing instead of decreasing When I called to find out why, the processing person told me the monthly payment was for them to monitor my loans What needs monitoring? You only file deferment once a year plus what happened to money being applied to my loan? After much thought I canceled my account with them yesterday and was disappointed with how they didn't care one way or the other if I stayed with their company They got my money and that's all that matters to them I feel like I was lied to and my credit rating dropped almost points because of 1file.org!

Client agrees we completed the service contracted yet insisted a partial refund as a resolutionOur contract is simple and easy to understand...The program this client is in requires a yearly vetting process which we do year in and year out for a small monthly fee which clients in a zero payment are happy to payIf this yearly action is not taken or filed improperly the client goes back to their previous much higher payment. There are many other benefits to 1file.org managing your loan repayments.Much like Tax preparation, you can do it yourself or hire a professional.Bottom line is we delivered as agreed

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Description: Credit - Debt Consolidation Services, Legal Document Assistance

Address: 5772 Bolsa Ave #B220, Huntington Beach, California, United States, 92649

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Shady, yet now dead: once upon a time this website was reported to be associated with 1File.org, but after several inspections we’ve come to the conclusion that this domain is no longer active.



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