1File.org

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 There was never a call nor an email sent to prove thisThe call told me to call back in late OctoberThis is a lieThen when I called I was on hold forever and they didn't have anythingin order as if they didnt know what they was doingI was passed around from person to personThen I hadto call back again about my account and they had nothing from previous call notedHad to redo actions all over againThats when I cancelled and saw I was getting the run aroundThere was never a call nor email sentI have all emails saved for my record Regards, [redacted]

Client [redacted] enrolled with us on February 19, We immediately requested a Forbearance to alleviate some financial burden for the customer, while the application for a new repayment plan is being processedWe submitted an Application on 3/2/16, on his behalf through the Department of Education, who in turn sends directly to Loan Servicing Company - [redacted] [redacted] approved the application for a new repayment plan - saving customer $per monthClient's new payment is $(See attached May bill reflecting new payment amt of $83.18)Prior to enrolling with us and contracting us to help him, customer was paying $for his Federal Student Debt of $24,We have completed all work we were contracted to do, and saving the client half of what he was originally paying as agreed to from initial contactTherefore, we feel No Refund is in orderWe have all documentation to support our work

Revdex.comViewridge Ave#220San Diego CA 92123Ref number: [redacted] 4/23/[redacted] 2015-04-:42:(GMT) From: Processing Tear......,.,l-141LE-~ORCBolsa Avenue, Suite 102Huntington Beach, CA 92649Toll Free: 855-730-2071I am writing in response to our client *** [redacted] claimsAll of which are misleading and untrue enclosed is proof ofservices rendered prior to receiving payment as shown below[redacted] was provided the services contracted us for, we negotiated with her servicer, getting her loans outof Default status and taking her monthly payment from $and impending wage garnishment to $(YES ZERODOLLARS) with the federal government paying her interest through the William D Ford Act as well as got a majority of hisLoan forgiven through the same Federal program she is eligible.Enclosed is a signed contract dearly outlining how she could do this on her own or she could contract us to do itfor her, Much like you can file your own taxes or hire a professional to get you the most savings.We provide the service prior to getting paid and once she received the benefit he didn't want to pay as agreedWe alsohave a compliance call recording verifying the above was agreed to by the clientWe have everything we need to send herto collections and collect the remaining balance if we so chooseWe chose not.Her claim is we lied, which is ironic as her whole basis of complaint is a complete and total farce.Sincerely [redacted] ***She did not pay as agreed $Her loans where consolidated and at a Zero payment with no interest as proof in the enclosed letter fromFEDLOAN and the Department of Education.Process

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 paymentThere 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

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]

I did not authorize the company 1file.org to debit my account for on Feb 8th but they did on their ownThe agreement was that I would contact 1file.org and let them know what my finances were if the payment could be done on the 8thI did not call them because I applied for the service they do myself for freeSo I felt all was well and I didn't need to call or cancel anything because I no longer needed themIn the midst of trying to call them and contact the proper persons was virtually impossibleI kept getting voice-mail and or no answerFinally on the 9th of Feb I got in contact [redacted] who was helpful and [redacted] in processing and she said they would try to resolve this and she was sending a cancellation form to the billing department for the stop paymentBut two minutes later the representative [redacted] called and told me that "I was not getting a refund and he didn't care about my money and they were not cancelling anything we set up, and oh well"I thought

Revdex.comVlewridge Ave#220San Diego CA 92123Ref number: 106252064/27/[redacted] ***Toll Free: [redacted] We at lfile.org do not set the payment amounts for clients the Federal Government does under the William FordAct which Is a landmark piece of legislation to help ease the burden of student loan debt for people that qualifyWe giveclients payment amounts based on statements they give us verbally over the phone, but if they cannot prove that Incomeand the data pulled from the IRS comes back higher their payment will go up based on the Federal income guidelines.When a discrepancy is found we reach out to the client and the client can take It or leave it at that point if theychoose to leave it we refund their fee as was done in this caseWe submit all our files without consideration to having paidtheir fee to us in part or in full we submit all paper work A.S.A.P to give them the highest level of services in industry.Sincerely [redacted] ***

Our services, Much like filing taxes- can be done on your own, typically with different resultsHowever after agreement for someone to file your paperwork correctly , you do owe the fees that you agreed , especially after they deliver exactly what you agreed upon for the fee which you agreed, in writing and after completing a Quality Control 3rd Party verification recording.We agree with your desired settlement, we will cancel your file and not attempt to collect on any balance due, if anyWe agree with your statement

The clients payment was VOIDED on the day the client changed datesAccounting 0px;">Sep 14, 2015, 4:pm [redacted] Merchant: [redacted] ***Date/Time: 09/14/4:33:PM PDTTransaction ID: [redacted] Transaction Type: Card VoidEntry Method: KeyedAmount: Refund 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

Over the past 2-weeks, I've been receiving incessant phone calls from this companyWhen I finally answered, the man tried to talk to me about their student loan debt forgivenessI firmly told him I was not interested and asked him to please take me off their call listThe next day, I received another callI once again asked to be taken off their call list and made it abundantly clear that I was not happy with the phone calls I had been receivingIt's been about one week since that last phone call, and today I received EIGHT phone calls from them! I finally answered, asked for the business's information right off the bat (their name and website), and then the guy tried to go into his spielI told him I was already very upset with their constant phone calls and that I've already asked twice to be taken off their call listI was just about to say to him that I was going to report their company to the Revdex.com and the National No Call Registry when he hung up the phone on meI'm hoping that that will be the last time they try to callI've never been so hounded by a telemarketing company in my life! I will never consider them for any kind of debt consolidation

I have been working with Alex Tfor years now and would highly recommend anyone to himHe is very clear on how the program works and quickly to respond when I have questionsLast year he made special effort to make sure I was getting the best rate that I could affordMy husband and I were just about to welcome our second child so he saved us a lotI really appreciate everything 1file.org has done for me, having two little ones in daycare and trying to pay on student loans is rough! Being on this IDR program has helped my family a lotThanks for everything you do Alex!

They lie to get you to signThey claim that you’ll pay months and the rest of your loan will be forgivenThat’s a lieThat’s their fee for monthsIt’s a waste of moneyThey keep it all and meanwhile your loans will increase from interest but no payment will be made on themI’m just glad I caught it before I gave them to much moneyThen when you call them on their lies they refuse to refund youComplete scam!!!!

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
[Other consumers need to be aware of the questionable way in which this company does businessThey were rude, aggressive and obnoxious and did not diligently attempt to cancel service until I threatened to post complaint with Revdex.comSomeone who may not know how to handle things with a company such as this may get suckered into being charged fees even after they want to cancelAlso, it was not late Friday afternoon or evening that I attempted to call them back as this business tried to claim I tried to call my rep back with another question that came to mind just 3-mins after getting off the phone with him during the 4pm hour(your business lists its hours of operations as 7a-7pm BTW...hmmm?) only to have the phone continue to repeatedly be answered to dead space with reps laughing and joking in the backgroundThen each time I tried to call the "customer service" number at *** whether its early in the morning, afternoon or evening "no reps are available"I even tried calling it again right before typing this just to see and go figure...no reps are availableTrying to turn each complaint into the "customers fault" or a "misunderstanding" is not going to work and that is why your response is unsatisfactoryEnough "misunderstandings" and the public will begin to see that your practices are simply shady
Regards,
*** ***

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

PLEASE read and learn from others !!
# File is a scamOnce they have your information you aren't be able to reach themFurthermore if you try to cancel the contract they keep trying to charge you and you will have to change the bank card number
Worst place

I reluctantly signed up with 1FILE because they stated they could help me pay off my student loans by filing the correct papers so that I can get a better deal on my loan payments (espicially since I was a military service member)I'm not sure when I started with them but it's been over years nowThey have been taking about $monthly from me and when I asked them what the money is gong towards, I don't get a clear answer!
I have been working with FED LOAN and HESSA to pay off my student loansI also send my income tax yearly to apply for the income based replayment planWhat exactly is 1FILE doing for me? My credit card (I used for them) ended up getting misplaced so I had to get a new credit cardNow, they are sending me harrassing emails saying they will report me because the payments won't go throughAgain, I asked them what service they are providing me (before paying them) but they still won't give me a clear answer

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

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
[Other consumers need to be aware of the questionable way in which this company does businessThey were rude, aggressive and obnoxious and did not diligently attempt to cancel service until I threatened to post complaint with Revdex.comSomeone who may not know how to handle things with a company such as this may get suckered into being charged fees even after they want to cancelAlso, it was not late Friday afternoon or evening that I attempted to call them back as this business tried to claim I tried to call my rep back with another question that came to mind just 3-mins after getting off the phone with him during the 4pm hour(your business lists its hours of operations as 7a-7pm BTW...hmmm?) only to have the phone continue to repeatedly be answered to dead space with reps laughing and joking in the backgroundThen each time I tried to call the "customer service" number at *** whether its early in the morning, afternoon or evening "no reps are available"I even tried calling it again right before typing this just to see and go figure...no reps are availableTrying to turn each complaint into the "customers fault" or a "misunderstanding" is not going to work and that is why your response is unsatisfactoryEnough "misunderstandings" and the public will begin to see that your practices are simply shady
Regards,
*** ***

We would be glad to help ***Please call in to our processing number ***

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 $