Carpet America

RE: Complaint # 11793073 *** *** Dear MsRodesno: Thank you for your follmessageThe University of Phoenix has reviewed this complaint submitted by *** *** and responded directly to the complainant Due to privacy laws the
University of Phoenix cannot release the results of our findings or communications with the complainant without the required written authorization If you need additional details that will enable you to close this issue, please contact the complainant Best regards,Joel R***Dispute Management Administrator University of PhoenixOffice of Dispute Management *** *** *** *** *** ** ***
*** *** ***
*** *** *** ***Joel.R***@phoenix.edu

RE: Revdex.com Complaint ID#: ***
Hello,
Thank you for your follmessageThe University of Phoenix has reviewed this complaint and responded directly to the complainant via USPS mailDue to privacy laws the University of Phoenix cannot release the results of our findings or
communications with the complainant without the required written authorization
If you need additional details that will enable you to close this issue, please contact the complainant
Best regards,

RE: ***
Thank you for your follmessageThe University of Phoenix has reviewed this complaint submitted by Ms*** and responded directly to the complainant
Due to privacy laws the University of Phoenix cannot release the results of our findings or
communications with the complainant without the required written authorization
If you need additional details that will enable you to close this issue, please contact the complainant
Best regards,
Tondra R***, MBA/HRM
Senior Manager
University of Phoenix
Office of Dispute Management
SRiverpoint Parkway, Phoenix, AZ
Mail Stop: CF-S
Phone ###-###-#### Fax ###-###-####
email: ***@phoenix.edu

Hello,
We are unable to locate your account to review your concernsPlease provide your ***, *** or last digits of your ***
Thank you

RE: Complaint # *** Ms*** * *** Dear Ms***: Thank you for your follmessageThe University of Phoenix has reviewed this complaint submitted by Ms*** and responded directly to the complainant Due to privacy laws the
University of Phoenix cannot release the results of our findings or communications with the complainant without the required written authorization If you need additional details that will enable you to close this issue, please contact the complainant Best regards,Joel R***Dispute Management Administrator University of PhoenixOffice of Dispute Management South Riverpoint Parkway, Phoenix AZ 85040Mail Stop: CF-S907Phone: ###-###-#### Fax: ###-###-####***

I do accept the response from UOP because I have many good faith attempts to resolve this matter since and its almost This is the first time I have heard any nonsense to send a release of information form they didn't request one from the CFPBI will sign the release of information form if that is what I need to do to get this issue resolvedThe only attempts UOP has made was to send me letter from their collection agency FBCS demanding payment and several phone calls telling me I better pay the $760.00 they never made any attempts to address this matter completelyMatter of fact the FBCS debt collection agency was very rude and told me if I did pay the money they did not have the authority to delete the account off my credit reportI told them not to contact me anymore and why are they collecting monies for a company if they cant doing much more than collect what assurance does anyone have of this being deleted/satisfied on their credit report without any negative and condescending remarksI then told them that I will address this matter with UOP myselfPlease see all of the letters I sent to UOP

RE: *** The University of Phoenix has reviewed this complaint submitted by Mr*** and responded directly to the complainant Due to privacy laws the University of Phoenix cannot release the results of our findings or communications with the complainant without the required
written authorization If you need additional details that will enable you to close this issue, please contact the complainant Best regards, Tondra C***, MBA/HRM Senior ManagerUniversity of Phoenix Office of Dispute Management *** ** *** *** *** ** ***
*** *** ***
*** *** *** ***
*** ***

RE: Complaint Number *** Thank you for your follmessageThe University of Phoenix has reviewed this complaint submitted by T*** and responded directly to the complainantDue to privacy laws the University of Phoenix cannot release the results of our findings or communications with
the complainant without the required written authorizationIf you need additional details that will enable you to close this issue, please contact the complainantBest regards, Tondra R***, MBA/HRM Senior Manager University of Phoenix Office of Dispute Management *** ** *** *** ** ***
*** *** ***
*** *** *** ***
*** ***

RE: Revdex.com Complaint # ***
Dear Ms***
We are in receipt of the student’s incomplete FERPA Release formAs such, the University of Phoenix is unable to release the results of our findings or communications with the complainant at this timeIf you need additional details that will enable you to close this issue, please contact the complainant
Best regards,

Dear Ms***:This letter is in response to the complaint you filed with the Revdex.com (Revdex.com) concerning your student account with the University of Phoenix.In review of University records, we found that you enrolled in the Associate of Arts Concentration in Foundations of Business
(AAFB) degree program in December 2011, selecting financial aid (Title IV Funding) as your primary payment option. Your 2011/financial aid application was last certified with an academic year/loan period of March 26, through July 15, 2013, and included a 12/credit splitThis means you were required to complete credits to earn the funds awarded in the first disbursement period, before becoming eligible for the second disbursementAdditionally, you were required to earn credits to fulfill the academic year requirementsThe first disbursements of $2,in unsubsidized loan funds, $1,in subsidized loan funds, and $2,in Pell grant funds posted to your account on April and April 10, 2012.Tuition and fees for attendance in your first disbursement period totaled $5,An adjustment of $was applied to your account on August 6, The University issued a credit balance refund to you of $2,on April 13, You remitted a $payment on September 29, As a result, your account reflected a $balance upon the completion of the credit requirement of your first disbursement period on October 1, 2012.After continuing your second disbursement period, the second disbursement of $2,in unsubsidized loan funds, $1,in subsidized loan funds, and $2,in Pell grant funds posted to your account on October and October 19, The University issued a credit balance refund of $2,to you on October 24, It is important to note that funds issued to the student as “excess” are not considered “earned” until all disbursement period requirements have been met. You did not complete the second disbursement period requirements when you did not return to class after dropping your HUM/classYour last date of attendance was recorded as November 30, The University was obligated to perform a ROTIV funds calculation based on federal Title IV guidelinesThe calculation is to determine the percentage of funds earned for the disbursement period, which is based on courses that were successfully completedCourses that are retaken, withdrawn, or failed are not considered courses that were successfully completedThrough the ROTIV calculation, it was determined you were eligible to retain $3,of the $7,in Title IV funds disbursed to your account in your second disbursement period; however, as reflected on the enclosed account history, the University was required to return the remaining amount of $3,to the lender as it was considered unearnedWhile the funds returned reduced your account balance with the lender, it left a shortfall and balance due on your UOPX account.In your second disbursement period, you received a non-passing grade in COM/and you dropped HUM/The prorated cost of tuition and fees for your attendance in these courses totaled $2,As a result, your account reflected a balance due of $1,after unearned funds were returned to the lenderPlease reference the following breakdown of your University account:Title IV Loan/Pell Grant Funds Disbursed ($15,004.00)Student Payments ($45.00)Internal Adjustments ($250.80)Total Credits ($15,299.80)Tuition/Fees $7,745.80Credit Balance Funds to Student $5,004.00Funds Returned to Lender $3,641.00Total Debits $16,390.80Account Balance $1,091.00Records reflect you elected to return to the University, and were scheduled to start your second attempt of COM/on January 14, Upon your return the campus initiated a recovery of Title IV funds that were previously returned to your lenderThe recovered first disbursement of $1,in unsubsidized loan funds and $in subsidized loan funds posted to your account on February 4, The recovered second disbursement of $1,in unsubsidized loan funds and $in subsidized loan funds posted to your account on February 7, You once again did not complete the second disbursement period requirements when you did not return to class after dropping your second attempt of COM/Your last date of attendance was recorded as February 12, The University was obligated to perform a ROTIV funds calculation based on federal Title IV guidelinesThrough the ROTIV calculation, it was determined you were eligible to retain $of the $3,you received in recovered Title IV funds disbursed to your account; however, as reflected on the enclosed account history, the University was required to return the remaining amount of $3,to the lender as it was considered unearnedWhile the funds returned reduced your account balance with the lender, it left a shortfall and balance due on your UOPX account.You dropped COM/after three weeks of attendanceThe prorated cost of tuition and fees for your attendance in this course totaled $Your account reflected a prior account balance of $1,As a result, your account reflects a balance due of $1,after unearned funds were returned to the lenderPlease reference the following breakdown of your University account:Recovered Title IV Loan Funds Disbursed ($3,623.00)Total Credits ($3,623.00)Tuition/Fees $391.05Prior Account Balance $1,091.00Funds Returned to Lender $3,351.00Total Debits $4,833.05Balance Due $1,210.05Your attendance in class is voluntary and constitutes accepting the services provided and your acceptance of the applicable feesYou were provided with the academic and financial policies in the student catalog, with information regarding the costs of tuition upon enrollmentYou signed documents for your admissions to the University, which included your acknowledgement of the hardware and software requirements for attendance, and your agreement with the policies provided and the financial obligations associated with enrollment in the University of PhoenixYou may request copies of these and other enrollment documents through the Office of Admissions and Records at ###-###-####. The University recognizes your concerns regarding your account balanceFederal financial aid is awarded to you under the assumption that you will attend school for the entire period for which the assistance is awardedFailure to meet the requirements established for the award year at the time of your withdrawal will result in unearned funds being returned to your lender after the ROTIV calculation is completedRecords reflect you completed credits in your second disbursement periodTherefore, the balance of $1,due to the University is a result of institutional charges that remained on your account after the ROTIV calculation was completed, as explained above. According to the Enrollment Agreement you signed on December 16, 2011, you acknowledged the following: I have received access to the University of Phoenix Academic Catalog during the admission application processThe catalog is also available on my student website (https://ecampus.phoenix.edu)I understand the requirements for my course of study are detailed in the catalog, which is considered part of this Enrollment AgreementIt contains admission and degree completion requirements; program objectives and length; tuition schedules; fees; and all policies, including those for cancellation or refundI understand that it is my responsibility to read and understand the contents of the catalog and that I should ask questions if I do not understand something in it or need further clarificationFor your reference, a copy of this letter will be sent to you via regular U.Smail along with a copy of your electronically signed/dated Enrollment Agreement and Account History. Records reflect that during your enrollment campus representatives properly discussed your selected payment plan of financial aid, return to lender, and recovery of fundsOn March 25, 2013, your finance representative explained via phone your account balance, return to lender, out-of-pocket obligations, and your optionsYou informed your finance advisor that you did not plan on attending anymore and could not do anything about the balanceYour finance advisor discussed the collection processThe campus can hold accounts for a limited timeWhen campus representatives exhausted all efforts to collect the balance due, your account was authorized for transfer to collections on March 26, for additional balance resolution effortsFurthermore, on June 6, 2013, you contacted the campus regarding your account balanceFinance Representative MsSharyn Depriest discussed your account balance and offered to send you an account breakdown. Ms***, we appreciate you taking the time to address your concerns and empathize with your personal situationAfter completing a thorough review of your account, the University has found the balance due of $1,to be valid and correctAt this time we respectfully deny your request as we have determined that the University representatives provided proper guidance consistent with the status of your account and concerns at the time of your inquiries.The amount due to the University of $1,has been assigned to the collection agency Asset Recovery Solutions (ARS)If you would like to resolve the balance due of $1,now, please contact an ARS representative at ###-###-#### regarding payment options. With regards to your official transcripts, students are required to clear any indebtedness to the University before transcripts for any program will be released to the student or another educational institutionOnce the balance due of $1,has been resolved and your account reflects a $balance, you may request your transcripts by contacting the Office of Admissions and Records at ###-###-####.In order for our campus to remain in compliance with FERPA (Family Educational Rights and Privacy Act) regulations, the details of our review will not be forwarded to the Revdex.com without your written consent If you would like us to disclose the results of our review to the Revdex.com, please complete the attached FERPA Release Form and fax it to ###-###-#### If you still have access to your student website, you can submit this form electronically as outlined in the following steps:• Login to e-Campus: https://ecampus.phoenix.edu/portal/portal/public/login.aspx• Click on the Program tab• Under Services, click on Request FERPA Release and follow the instructionsOnce received, a copy of this letter will be forwarded to the Revdex.comPlease keep in mind that you may forward a copy of this letter to the Revdex.com to expedite their receipt as they are requesting this to further review this matter.We hope you find this review informative regarding your account with the University and we wish you the best in all your educational and professional endeavorsIf you have any further questions, please do not hesitate to contact us.Sincerely,Mayra M***, MBACampus Complaint Officer

RE: Complaint # *** *** *** Dear MsRodesno: Thank you for your follmessageThe University of Phoenix has reviewed this complaint submitted by *** *** and responded directly to the complainantDue to privacy laws the University of Phoenix cannot release the results of
our findings or communications with the complainant without the required written authorizationIf you need additional details that will enable you to close this issue, please contact the complainantBest regards,Joel R***Dispute Management Administrator University of PhoenixOffice of Dispute Management South Riverpoint Parkway, Phoenix AZ 85040Mail Stop: CF-S907Phone: ###-###-#### Fax: ###-###-####***@phoenix.edu

We have consistently corresponded with Ms*** regarding her concerns and have worked diligently in our efforts. We regret that she is not pleased with the reply. In order for the university to remain in compliance with FERPA (Family Educational Rights and Privacy Act) regulations, the details of our review will not be forwarded to the Revdex.com without her written consent. We have provided Ms*** with the FERPA release form. If you would like us to disclose the results of her review, please encourage her to complete and return the formKind regards, Tondra R***, MBA/HRM Senior Manager University of Phoenix Office of Dispute Management *** ** *** *** *** ** *** Mail Stop: CF-SPhone *** *** *** email: ***

RE: Complaint # *** Ms*** Dear Ms***: Thank you for your follmessageThe University of Phoenix has reviewed this complaint submitted by Ms*** and responded directly to the complainant Due to privacy laws the University
of Phoenix cannot release the results of our findings or communications with the complainant without the required written authorization If you need additional details that will enable you to close this issue, please contact the complainant Best regards,Joel R***Dispute Management Administrator University of PhoenixOffice of Dispute Management South Riverpoint Parkway, Phoenix AZ 85040Mail Stop: CF-S907Phone: ###-###-#### Fax: ###-###-####***

RE: Complaint # 11793374 *** *** Dear MsRodesno: Thank you for your follmessageThe University of Phoenix has reviewed this complaint submitted by *** *** and responded directly to the complainant Due to privacy laws the University of
Phoenix cannot release the results of our findings or communications with the complainant without the required written authorization If you need additional details that will enable you to close this issue, please contact the complainant Best regards,Joel R***Dispute Management Administrator University of PhoenixOffice of Dispute Management *** *** *** *** *** ** ***
*** *** ***
*** *** *** ***
***

Thank you for providing us with the opportunity to review this matter.We have reviewed Mr***'s concerns on a number of occasions and have responded accordingly. At this time, we have not been provided with any new information that would change our prior reply. Kind regards, Tondra R***, MBA/HRM Senior ManagerUniversity of Phoenix Office of Dispute Management *** ** *** ***, Phoenix, AZ 85040Mail Stop: CF-S907Phone ###-###-#### Fax ###-###-####email: ***

How do I express written consent for the University of Phoenix to communicate with the Revdex.com?

RE: Complaint # *** Ms***
Dear Ms***
Thank you for your follmessageThe University of Phoenix has reviewed this complaint submitted by Ms. *** and responded directly to the complainant
Due to privacy laws the
University of Phoenix cannot release the results of our findings or communications with the complainant without the required written authorization
If you need additional details that will enable you to close this issue, please contact the complainant
Best regards,
Joel R***
Dispute Management Administrator
University of Phoenix
Office of Dispute Management
South Riverpoint Parkway, Phoenix AZ
Mail Stop: CF-S
Phone: ###-###-#### Fax: ###-###-####
***

Hello, Thank you for your follmessageThe University of Phoenix has reviewed this complaint and responded directly to the complainant via USPS mailDue to privacy laws the University of Phoenix cannot release the results of our findings or communications with the complainant
without the required written authorization If you need additional details that will enable you to close this issue, please contact the complainant

RE: Revdex.com Complaint # *** Dear Ms***, Thank you for your follmessageAs we are in receipt of the student’s completed FERPA release form, a copy of the response is below as requested. Best regards, August 19, 2015 *** *** ***
*** *** ***
*** * ** *** RE: Student IRN: ***Dear Ms***: In response to your inquiry received through the Revdex.com (Revdex.com) on August 13, 2015, this letter serves to verify your prior attendance in classes in the AAFB degree program at the University of Phoenix. In order for our campus to remain in compliance with FERPA (Family Educational Rights and Privacy Act) regulations, the details of our review will only be forwarded to the Revdex.com with your written consentUniversity records show that a signed/dated FERPA release form has been received from you requesting copy of this response to be issued to *** *** of the Arizona Revdex.com via emailIn accordance with this request, a copy of this letter will be forwarded to Ms*** of the Arizona Revdex.com. This letter serves to verify that you originally enrolled at the University of Phoenix in your AAFB degree program in June of Research shows that when you began attending with the University, you opted to utilize Federal Title IV funding (financial aid) as your primary payment optionIn order to utilize this option, each student is required to use the funds provided in an effort to complete the designated disbursement period requirements (credits, weeks of instruction and calendar days) in order to “earn” said funds. I have researched your account and found you had a balance due of $as of March 30, for unpaid tuition and fees from your attendance at the University at the time of your withdrawalThis balance is the direct result of four dropped courses, falling out of attendance without completing the disbursement (payment) period requirements thereby resulting in a return of all “unearned” funds to your lender, and failing to return excess funds that were not “earned” by your completion of payment period requirements Your most recent (2009/2010) application for Title IV (TIV) was certified with an Academic Year/Loan Period (AY/LP) of June 29, through May 24, on a 12/credit splitThis meant you were required to successfully complete credits and meet the calendar and instructional week mid point of your loan period to “earn” the funds awarded to you in the first disbursement period and before becoming eligible for the second disbursementYou were then required to successfully complete an additional credits in order to “earn” the funds in your second disbursement. University records show that you completed your first disbursement period by successfully completing your COM/140, GEN/105, COM/150, and CRT/coursesResearch shows that you entered into your second disbursement period on November 02, Your first block (two courses attended concurrently) was not completed successfully (BUS/and COM/220)Research shows that you met attendance through the fifth week (out of nine) of attendance in each course prior to being automatically dropped from your BUS/courseCourses are automatically dropped when a student misses a cumulative total of three weeks (out of nine) of attendance Records show that you spoke with your graduation team on December 23, and advised that you had multiple personal issues outside the classroom that were preventing your successful completion of course requirementsRecords show that you were advised that one additional week of missed attendance would result in your COM/being automatically dropped as wellYour financial representative issued a reminder that dropped courses and non-passing grades do not count towards successful course completion rates and that they increase the cost of attendance in a payment period due to the need for a required retake of any dropped or failed courseThis information was originally explained prior to the start of your first courses at the UniversityThe information is also found in the student catalog and posted in the classroom on the first day of each courseRecords show that you acknowledged this information and requested to have the COM/course (start date 11/02/2009) dropped and to have both courses (BUS/and COM/220) rescheduledThis request was granted and your two courses were rescheduled to begin on December 28, In an effort to assist you in your time of need, records show you were offered and awarded an “Authorized Withdrawal/Dropped Course Tuition Credit” (AWTC/DCR) to assist with the financial impact of your dropped coursesThe waiver specified that in order for it to be utilized, you must begin a subsequent course no later than days after the scheduled last date of the dropped courseIf you then entered into a course in that time frame, the tuition credit would be applied to the retake, thereby reducing the amount owed by the amount you were charged in the first attempt, up to the cost of total course tuition Records show that you did not meet attendance in the first three weeks of your rescheduled courses (start date 12/28/2009), resulting in both courses being automatically dropped at the end of the third week with no financial obligations associatedAs your dropped course tuition credit form was originally designated for a 12/28/return date, you were required to complete a new formRecords show that you spoke with your graduation team on January 07, and requested to have your courses rescheduled as soon as possibleIn accordance with this request, records show that you were rescheduled to begin your COM/and BUS/retake courses on January 18, Records show that you were informed that you would be required to submit an updated AWTC/DCR form to allow the dropped course tuition credit to be applied to the newly scheduled retakesThis signed/dated form was received on January 21, (copy enclosed) and immediately applied to your tuition/fees for the January 18, coursesThis reduced your financial obligation by $on your retake courses, thus negating the cost of the initially dropped attempts Because you had remained out of attendance for a period of 29+ days without an approved leave of absence, the University was required to review, recalculate, and return any “unearned” portions of financial aid awarded for your second disbursementThis resulted in a return of $This return left you with a balance due to the University of $in tuition and fees no longer covered by returned funds Upon your return to attendance, the University processed a recovery of the funds returned to the lenderThese funds ($recovered) were placed on account on March 05, Unfortunately, you had already withdrawn from attendance in your courses and the University by this dateThis left the University responsible to process a “Gross refund” of all recovered funds back to the lenderThis second return to the lender resulted in your balance due of $being reinstated to your accountThis balance was immediately considered delinquent and subject to collection activity. Your account history shows that you entered in the January 18, rescheduled courses as scheduledRecords show that you met attendance through the fourth week (out of nine) in both your BUS/and COM/retake attempts prior to being automatically dropped from both courses a second time for missing three cumulative weeks of attendance in each courseBecause you attended the retake attempts for less weeks than the original attempts, your dropped course tuition credit covered the entire cost of prorated tuition and fees associated with the second attempt of each course University records show that you were charged with a violation of the student code of conduct on December 09, for plagiarism on your week individual checkpoint assignment in your 11/02/2009/ BUS/course. Records show that a charge notification letter was issued to you on December 09, advising that you had ten days to appeal the charges put forthFailure to appeal would result in the charges being finalized and sanctions imposedRecords show that no response was received within the specified timeframeRecords show that you were contacted on February 04, and advised that no response had been received, thus determining that the charges were validYou were offered a second opportunity to appeal the charges within business daysAn appeal was received from you and the appeal was reviewed by the Board of Appeals Unfortunately, records show that the sanctions imposed by the University of Phoenix Ethics Committee were upheld and you were notified via email on February 22, that you were now required to attend a workshop on plagiarism and pass a mastery test in order to have your sanctions lifted University records show that your graduation team spoke with you on more than one occasion regarding the need to complete the sanctions set forth by the charges as well as advising you of the financial obligation associate with non-passing or incomplete courses No response was received regarding the required sanctions associated with your 11/02/BUS/course, and as a result, you were notified on February 11, that you were indefinitely placed on scholastic suspension until such time as all sanctions were complete and all appeals received, reviewed, and deemed complete by the academic review committee Records show that no response was received and the University issued the notification of your suspensionAgain you were advised that you had ten business days to respond to the charges/suspensionUnfortunately, records show that these actions were not taken, resulting in your indefinite suspension from the University until such time as the sanctions have been met. You were sent a final notification of this status on March 04, 2011. Copies of your charge letter, reminder and final decision letter for the code of conduct violation have been included for your records and reviewTo date you are indefinitely suspended from the University until such time as all sanctions implemented have been completed Research shows that you attended a total of eight course attempts (3-credits each) in your most recent academic year/loan periodResearch shows that at the time of your withdrawal, you had successfully completed your first disbursement period, thus earning 100% of the funds awarded in the first payment periodRecords show that zero of the credits required in your second disbursement period were completed. Non-passing courses do not count towards credit requirements in a payment period and result in increased financial obligation as the student must provide funding for the retake requiredAs you had been issued all funds in excess of a single attempt at the required credits, you were responsible for any balance resulting from your receipt of “unearned” excess funds and tuition and fees no longer covered by “unearned” financial aid once returned to the lender Records show that your graduation team made multiple efforts to contact you regarding your attendance, account balance, and intent but were unable to establish a plan for you to reenter your program in order to regain eligibility for the financial aid awarded to you. The following is a breakdown of your tuition and fees associated with all courses attended in your Bachelors programThis reflects the true amount due for each course after all eligible adjustments, waivers or discounts were appliedPlease note that students who receive “W”, “WF”, “F” and/or “I/F” grades are not considered to have successfully completed the course(s) but are still financially responsible for weeks attendedThese courses are not calculated into the weeks and credits of the academic year CourseInvoice DaterECreditsTuitionResourceStatusAdjust by UOPGEN/1056/29/2009F3$975.00$0.00Pass-$70.36COM/1406/29/2009F3$975.00$0.00Pass-$...⇄ attend$0.00COM/22012/28/2009F0/3$0.00$0.00No attend$0.00Break in attendance of 29+ days, results in return of all "unearned" funds to the lenderLeaves balance of $ Student requests return to attendanceFinancial aid "recovered" from lenderStudent drops from first return block, resulting in a required "Gross refund" of all recovered funds to the lenderRemaining balance due returned to $390.64 COM/2201/18/2010F0/3$0.00$0.00Dropped-$1,110.78BUS/2101/18/2010F0/3$0.00$0.00Dro...⇄ Totals 12$5,179.20$303.12Adj Totals-$3,273.08 Total Payments$15,245.86 Total Excess Funds Returned to Student$3,108.82 Total Funds Returned to Payer(s)$7,045.36 Total Tuition and Fees$5,482.32 Balance DUE $390.64 This letter serves to advise that you received the following payments on account during your attendance in your degree program, including Federal Title IV funds, as shown below: All Payments ReceivedDateTransaction TypeAmount07/06/09Subsidized Stafford$1,723.7507/06/09Unsubsidized Stafford$2,955.0007/07/09Federal Pell Grant$2,366.0011/10/09Subsidized Stafford$1,723.7511/10/09Unsubsidized Stafford$2,955.00Break in attendanceFunds returned to lenderBelow are funds recovered upon re-entry. 03/05/10Subsidized Stafford$567.3603/05/10Unsubsidized Stafford$2,955.00 Total$15,245.86 University records show that; in accordance with your funds management selections, the University released all funds in excess of the original cost of each disbursement period in your degree program (assuming successful completion of all attempts)The following is a breakdown of all excess released to you to dateAs these funds are not held on account, it leaves the student responsible for making payment on account for any dropped courses, non-passing grades, or returns to the lenderThese funds are not considered “earned” until all disbursement requirements have been met Student RefundsDateTransaction TypeAmount07/09/09Funds issued to student$366.4707/14/09Funds issued to student$2,366.0011/13/09Funds issued to student$376.35 Total$3,108.82 It was determined you completed 20.7% of the second half of the most recent AY/LP (academic year/loan period) requirements through credit completion, weeks of instruction, and calendar days. The University was eligible, under Title IV regulations, to retain $the $in TIV funds received to apply towards your tuition and fees and required to return $to your lenderWhile the return of funds from the University reduces the overall amount owed to the lender for loan repayment, in many cased it leaves the student with a shortfall in funds on account to cover tuition and fees as well as a balance due to the lender. A portion of this return was your responsibility as you received “unearned” excess funds based on the credit requirement for the disbursement periodThe portion returned by the University was $and the portion that was your responsibility to your lender in the return was $This was/is in addition to any “earned” funds left on account to cover tuition. Funds Returned/Reversed/NSF to any payerDateTransaction TypeAmountFirst return to lender results from 29+ day break with incomplete payment period. 01/15/10Return to Lender$568.0001/15/10Return to Lender$2,955.00Second return to lender is a Gross Return of all recovered funds 03/30/10Return to Lender$567.3603/30/10Return to Lender$2,955.00 Total$7,045.36 In your inquiry, you indicated a desire to have the University repay your lender for outstanding loan balancesLender balances are separate from any balances due directly to the UniversityUniversity balances are comprised of tuition and/or fees no longer covered by financial aid required to be returned to the lender as “unearned”Outstanding lender balances are comprised of “earned” funds left on account for valid tuition and fees at the time of your attendance and include funds issued directly to the student as “excess”Your request for the University to pay your lender for outstanding loan balances is denied Federal financial aid is awarded to you under the assumption that you will attend school for the entire period for which the assistance is awardedIf you withdraw, you may no longer be eligible for the full amount of federal financial aid that you were originally scheduled to receiveTherefore, you may owe funds to the University for unpaid institutional chargesThe University may also charge you for any federal financial aid the University was required to return on your behalf The campus made multiple attempts to reach you regarding your account balance and status. These attempts were made via email, phone, and formal letterThe campus was not successful in establishing a plan for you to resolve the balance on account. Unfortunately, as payment was not received in a timely manner the campus authorized the transfer of your account to outside collections on April 27, for continued collections efforts Research shows that the balance was “charged off” and credit reported as bad debt on October 29, as payment had not yet been receivedIt is important to note that a “charge-off” is a process completed by a company on a debt that remains unpaid for an extended period of timeThis process does not negate the validity of the debt itself but is completed for the purposes of accurate accounting for the businessThe debt itself remains valid and must be resolved in full in order to have it updated on your credit report as a “paid” charge-offOnce paid, the debt will remain on your credit report in a paid status for the amount of time designated by the credit reporting agencies Your attendance in class is voluntary and constitutes accepting the services provided and responsibility of the applicable feesYou have signed documents for your admissions to the University, agreement with the policies provided and the financial obligations associated with enrollment in the University of Phoenix. For class policies please see the "Policies" link on the left side of the classroomFaculty and student/learners will be held responsible for understanding and adhering to all policies contained within that linkUniversity policies are subject to change so please be sure to read them at the beginning of each class as it may have changed since your last classPolicies may be slightly different depending on the modality in which you attend classIf you have recently changed modalities it is important you read the policies governing your current class modality. After reviewing your account history and the information you provided we maintain the validity of your remaining account balance with the UniversityWe find the campus provided guidance consistent with the status of your account at the time of your inquiries and has extended every courtesy during your attendance to date. As your account balance of $remains valid and due, your account will remain with the designated collection agency (Financial Business and Consumer Solutions: ###-###-####) until rectifiedWe are unable to authorize release of your transcripts or grant you access to classes until the balance is paidIf you would like to remit payment now, you can contact the collection agency directly; make payment via your student website or by calling ###-###-#### and speaking with any Financial AdvisorI have included your Official Account History as well as a copy of your Student Finance Agreement, your Enrollment agreement, your charge and sanction letters, and your return to lender notification(s) (Title IV) for your recordsThe enclosed Student Account History provides details of your charges and payments including: financial aid (if applicable) and returns of financial aid funds (if applicable)Any reference to Write-off on this summary refers to non-collectible debt that is considered due the UniversitySincerely, *** ***Executive Account AnalystUniversity of Phoenix Online cc: student file Financial Business and Consumer Solutions Ms*** ***, Office of Dispute Management Mr*** ***, Director of Financial Services Thank you,

RE: Complaint # *** Mr***
Dear Ms***:
Thank you for your follmessageThe University of Phoenix has reviewed this complaint submitted by Mr*** and responded directly to the complainant
Due to privacy laws the
University of Phoenix cannot release the results of our findings or communications with the complainant without the required written authorization
If you need additional details that will enable you to close this issue, please contact the complainant
Best regards,
Joel R***
Dispute Management Coordinator
University of Phoenix
Office of Dispute Management
South Riverpoint Parkway, Phoenix AZ
Mail Stop: CF-S
Phone: ###-###-#### Fax: ###-###-####
***