1File.org

We are sorry Ms [redacted] feels misled in any wayTo clear things up, 1file.org does NOT make any outgoing sales callsWe are a document preparation company and are hired by retail companies to complete Direct Consolidation and/or Income Driven Repayment plan applications for individuals with student loans they have enrolledIn this particular case, we did review the recording for the initial call made by the retail company's sales agent, and also the quality control call recording made prior to enrollment - and everything was in orderThere was never a time that the agent misrepresented themselves during the conversationMs [redacted] maybe assumed the call was from her loan servicer, Great LakesMs [redacted] also signed a service agreement, were it clearly states that this is a service that is available free of charge for them if they choose to complete the process on their ownWe have have gladly refunded the $Ms [redacted] paid, and we have also completed all of the work for her.Please see proof of refund below...Date/Time: 11/03/10:50:AM PDTTransaction ID: [redacted] Transaction Type: Card RefundEntry Method: KeyedAmount: -

Idee did not deliver as promised, we refund 100%.

I was contacted by File.org to consolidate &/or forgive my student loan [redacted] explained to me that they would NOT take any funds out of my account until the entire process was completed Plus they would do ALL the process necessary to contact my previous student loan lender (Nelnet) Well, on April 18th, 2017, File.org withdrew $from my checking and still the process was NOT finished! I proceeded to try to contact [redacted] They informed me that the account was in th processing department I asked them to have them contact me- they NEVER DID!!! On February 27th, 2017, I received an e-mail stating that the process was completedHowever, they kept calling me stating that the processing department needed my income taxes I e-mailed Ms [redacted] ( the one in charge of my account) She never answered ANY of my concerns All she would e-mail me is that they needed the taxes for or my two last pay stubs I e-mailed Ms [redacted] again, demanding her to c

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 was paid in FULL alreadySo the stating they will not pursue any further charges makes no sense the dollars I have already paid this company was to help with filing papers for the NEXT yearsSo now the company can just keep my money and do nothing which is how this company seems to work from the words of the student loans serverThis company is a SCAM if you pay for a service for TEN years and they take your money up front and then won't answer your questions and finish anything you are told they will finish those are are LIE"S and misleading customerThis is sad that this company preys on people just trying to pay off their student loans after all those years of schoolThis company states they did what they were supposed to NO they didn't I stated they started the process and did NOT FINISH anythingthis company is attempting to play on words and since they don't answer my calls I had to go through the only means other than court a consumer can to settle why a company did not deliver on what they stated they were hired to do I will not be leaving this alone now That I see company has no intention of full feeling ANY DUTIES that they were paid for for TEN YEARS seriouslyThis is a disgrace that a business can do this to a customera single mother of does not just have dollars to give to some company with no return I hope someone reads this and is not trapped in this scamPlease be careful people call your loan server they can assist you, also and you see if you have a problem or complaint this company will attempt to actually assist you they will just take your money ( IN FULL) and disregard you as a customerPLEASE BE CAREFUL

DO NOT GIVE YOUR PERSONAL INFORMATION TO THIS COMPANY!!! They are abusive in every way possibleI would receive upwards of calls a day from this companyThey even went as far as trying to hack into my FSA account!! They tried to reset my password multiple times WITHOUT MY PERMISSIONWhen I confronted them they said they just needed the reset code so they could access my account WITHOUT MY PERMISSIONI am furious! I told them I have already had my loans forgiven and they still persistently called They said that they are with the US Department of Education and they need to access my account to forgive my loansSo I called the FSA hotline and reported this company and they said that they never call studentsAll correspondence is either through email or US Mail I had to disable my FSA account because of the private information that is stored thereI don't know what this company has done with my informationThey had access for 10-mins until I disabled my account I asked them if they had fees for their services and they said no, but if you read the other reviews here then you can see that they do have feesStay away!

This company practices fraudulent servicesThey attempted to contact me one time to update my file and when I did not respond they continued to take a "servicing fee" while doing absolutely nothing other than harming my creditI was notified by a separate company that my student loans were in default instead of the company I paid to manage my loansThey continued to charge me while my loans were in default and did not even callThey put their email address in my file with the federal loan department so they couldn't even contact meBecause I was still being charged I assumed they were keeping my account up to dateI was mislead and charged a monthly fee for nothing It has done nothing but hurt my credit scoreI am so upset with this companyI cannot believe they get away with this type of businessIt is unbelievableI am literally sick to my stomach

The clients payment was VOIDED on the day the client changed dates.AccountingSep 14, 2015, 4:pm [redacted] Merchant: [redacted] ***Date/Time: 09/14/4:33:PM PDTTransaction ID: [redacted] Transaction Type: Card VoidEntry Method: KeyedAmount: 199.67Refund Process:One of the key reasons that a credit card refund takes as long as it does is the number of steps involved in the refund processWhen you initiate a refund, as when you return merchandise to a store, the seller requests a refund by beginning a new transaction request on the credit card networkThe card company must receive this information, check it against your purchase history, confirm the merchant's request, clear the refund with its bank and transfer the credit to your accountThe credit card's billing department must then issue a statement that shows the refund as a credit, which serves as the final step in the processEach step is an opportunity for delays due to human or computer error, or due to waiting for a billing cycle to elapse.Timeline:Credit card refunds can take anywhere from two to days before they are completeThe first to hours of this period involve the initial refund with the credit card companyBut credit card companies use major banks to supply the funds they lend to cardholders to make purchases, which means that the credit card's policies as well as the bank's policies can delay the refund

Client enrolled, canceled within business day and was never charged a pennyI'm not sure what type of acceptable resolution she is looking for

I contracted with 1File.org to consolidate my student loansI paid the company $to perform this task1file was suppose to contact my lenders while the consolidation process was going on to put my loans in forbearance1File did not do this and my lenders filed on my credit report the my loans were diligent, lowering my credit scoreOnce the consolidation was complete they were suppose to negotiate my monthly payments to be $per month However, the payments are $a month, which is the amount I was paying before I used their servicesI contacted the my new loan service company ( [redacted] ) myself and negotiated a lower rate

Client charges we hurt his credit by points, and claims we caused him to defaultHe receives notice from us as well as his loan holder at the same email address since enrollmentClient was enrolled in February Approval for a successful consolidation and Income Based Repayment was completed days later on March 30th Client received a zero-dollar payment with eventual loan forgiveness, just as we promisedClient failed to respond to our calls and emails contacting him for his annual recertification on 02/12/which is only needed when circumstances change, which did in this case Email opened receipts included) So we know the emails where opened and he failed to respondBelow is a copy of the notes from the first contact with client after he became PAST DUE Not DEFAULT as he claims) : General 08/ [redacted] Client called in, requesting cancellation Client was due for a recertification Sent email informing client of recertification, requesting for updated FSA information, which client opened the same day on 02/12/ Client's [redacted] account is linked to the same current address, phone number and email address on file [redacted] 's electronic mail of the recert/past due payments gets delivered to [redacted] @gmail.com Client never made the effort to contact 1file.org or [redacted] to provide the updated information needed to complete the recertification applicationNotified: [redacted] , [redacted] Client charges we hurt his credit by points, and claims we caused him to defaultHe receives notice from us as well as his loan holder at the same email address since enrollment

Mr [redacted] was a bit too [redacted] in writing this complaint, to hastily attempt to damage our reputation, because he had already been issued to refund for the payments of $that he made to usI personally, emailed him the refund confirmations for each transaction, and also informed him by email and text that we had refunded the moneyHe is correct - we were NOT able to help him because of his situation with his Wife's loansWe are not in the business of taking money from people who we cannot help

This complaint was directed to the wrong company [redacted] is not a client of oursI completed a thorough search in our system, and we have zero information in our database of this personHe should double check the name of the company who processed his payment, because it was not us.?

Mr [redacted] was a bit too [redacted] in writing this complaint, to hastily attempt to damage our reputation, because he had already been issued to refund for the payments of $that he made to usI personally, emailed him the refund confirmations for each transaction, and also informed him by email and text that we had refunded the moneyHe is correct - we were NOT able to help him because of his situation with his Wife's loansWe are not in the business of taking money from people who we cannot help.

Stop contacting me and sending me threatening e-mails period. Your wasting your time because you are a scam!

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 information I 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 EducationFSA 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 passwordIf you have any questions or need help, visit https://fsaid.ed.gov and select Help for more details Thank you, U.SDepartment of Education Federal Student Aid This 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

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 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, [redacted]

1file.org is a great organisationI am very much satisfied by the services and monthly payments are way too lessI have been able to manage my finances very adequatelyThis guy Alex [redacted] was very patient and helpful and he enrolled me in the best loan forgiveness programI explained my situation and he was able to bring my loans into a current status and place me into a repayment plan that met my financial needsHe definitely went the extra mile to explain exactly how the company was helping me and by generously making sure that all of my questions had been answeredI really appreciate everything 1file.org has done for meBest Services Ever Received.....!!!!!!!!!!

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 response is not in regards to my case, as they keep referencing to him and an individual names [redacted] , and the information provided is not about my accountI did not fail to respond to any calls, I was not past due in any of my student loans, as they stated Again the response they sent is not in regards to myselfThanks,] Regards, [redacted]

Prior to speaking with our company this client had a payment of over $300, we made her aware of a government program she is eligibleWe contracted a fee to file paperwork for her to get enrolled in the government program, which she could have done on her own years ago, she did notAfter completing the work and getting her approved she then complained about being able to do it on her ownShe completed a Quality control verification call prior to enrollment which discloses all the details of the program and where each dollar she pays is going, and she chose to enroll and have us do the work for a fee

I spoke with a representative a few weeks ago about canceling this account due to fraudulent statements and was abruptly hung up onI truly hope the lines are all recorded Originally, I reached out to 1file and spoke with ***- who quite honestly has been nothing but helpful however it seems it's only to get people to sign up for this programWhen I called, I specifically inquired about my [redacted] loan and help with this specificallyI was asked what kind of loan is it and I said "I wasn't sure" [redacted] pulled up all of my information and said I see "your loans" here for "$3x,xxx" let's get this set up and explained everythingI was over joyed to have everything being taken care of that I specifically asked about and he said absolutely I see your loans hereWord for word that is what he kept sayingSo I signed up no problemLow and behold when I receive my consolidation letter, my [redacted] loan is not included because I find out that it is considered a private loan even if it