Federal Student Loan Alliance

To Whom To con
We have reviewed *** and we have decided to refund him by the 15th of February. All the refunds are issued on that date
*** ***
Processing Department Manager

---------- Forwarded message ----------From: *** *** Date: Tue, Jan 20, at 2:PMSubject: Ref: ID of ***To: [email protected]: *** *** ***To whom it may
concern, The client did qualify for specifically different programsThe client DID submit inaccurate information originally on the contract versus what the client sent in and the process of the application was refused Initially the client had payments that declined and prolonged the process as wellTypically the process should have taken to days or as long as to monthsIt is the client’s opinion that he received poor service and is entitled to voice it however I did review the file and noted numerous emails from both *** *** and other staff members here at our facilityThere was clear and repetitive communication After further review regarding Robert Kern’s file, we have determined that the client will be due a refund of $Our process for refund is to business daysPlease have the client email directly to [email protected] to arrange payment transferThank you for your time and consideration. Best Regards, *** ***Student Loan Lead Processor866-888-3131Toll Free Ext: *** Direct line714-462-FaxFashion Lane #207Tustin, CA 92780***www.federalstudentloanalliance.com

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.However I have yet to receive this refund if it was refunded as they say Please have company supply proof of refund and/or date refund was initiated. They have been saying they are going to refund me since Dec22nd. No funds to this date have been deposited back into my bank account.
Regards,
*** ***

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,
*** ***

Good Morning ***,
rgb(31, 73, 125);">
I am forwarding you the e-mail sent to Mrs*** *** in regards to the ineligibility and denial of her refund request. Mrs*** has been a very unpleasant client to deal with and continues the persistence of her request for refunds. Her student loans were successfully consolidated on November 11, by our company. We are able to pull documentation from the DOE if necessary. Mrs*** was a client since August she contracted our services for an enrollment fee of $895.00. Of her contracted enrollment fee only payments cleared an her balance for half of this enrollment fee is in collections. We have waived the NSF fees charged to our account due to her bouncing scheduled payments. As explained in the e-mail below our company completed the work for her file. Discrepancies began upon her inaccurate disclosure of income and we still were able to help her thru it
Mrs*** cancelled when our collections department began making contact with her in regards to the amount she owed. As an extended courtesy we had decided not to forward her delinquent account to our collections agency to avoid negative credit reporting on her credit score Our company stands in the decision made and will not be issuing any type of refunds to her
Please let me know if you have any questions or if there’s any documentation I need to submit to clarify our case. I thank you in advance for your time and cooperation. Happy Holidays!!!
Regards,
*** ***
Accounts Manager
Federal Student Loan Alliance

Hello,
Client has been issued a refund in the full amount requested of $ Attached is a copy of the transaction Please notify me if anything else is needed, thanks
*** ***
***

---------- Forwarded message ----------
#222222;">From: *** *** Date: Tue, Nov 4, at 3:PMSubject: Complaint #***To: ***Cc: ***
Good Afternoon,
Attached please find *** *** *** file including the signed contract with our company. *** *** indeed cancelled services with us but is ineligible for a refund due to services already rendered. As stated in page paragraph of our contract once our processing department begins working on a clients file and documents are sent out there is no refund due if a cancellation occurs.
*** *** *** our company President is in and out of the office currently undergoing intense medical treatment. *** *** demanded answers and a refund she had already been told she was not eligible for. Upon her persistence of wanting to speak to someone other than the representatives that had attempted to help she was referred to Mr***
Our company believes to be in the right as our company policy is clearly stated in our contract and the client acknowledges this policy by agreeing to it with their initials on the right hand corner *** *** did receive benefit from our services by being placed in a different repayment program than she was originally in making her payments lower Our answer and decision in regards to this case remains the same no refund is due to this client
Regards,
*** ***
Accounts Manager
Federal Student Loan Alliance
Direct/Fax: ***
Toll Free: *** ***
***
www.federalstudentloanalliance.com

Good Morning ***,
" margin: 0px">I am forwarding you the e-mail sent to *** ***. Upon reviewing his file I went ahead and provided him with a full refund of $***. We had a pleasant conversation and he seemed content with the outcome. I did apologize on behalf of the company for the human errors and the lack of communication that occurred in his case
I hope this helps resolve this complaint. Please let me know if you need any more information in regards to this
Regards,
*** ***
Accounts Manager
Federal Student Loan Alliance
--------------------------------------------------------------------------------...⇄ /> From: *** *** [mailto:***] Sent: Friday, October 31, 11:AMTo: ***'Subject: Cancellation of Services & Refund
Good Morning ***,
It was a pleasure speaking with you this morning ! Per our conversation below please find a secure record of the refund transaction in the amount of $***. I do once again apologize for the discrepancies occurred in your file and the delayed responses received. As I explained our company has undergone many changes and be assured there was never any ill will intended simply human error. I do hope the full refund of the fees paid alleviates your situation.
Once again please keep in mind the transaction could take up to 7-days to reflect on your account. Please let me know if you have any question or if I may be of help in any other way.
Create Date
Type
Name
Result
Routing #
Account #
Amount
10/31/12:PM
Sale
***, ***
AUTH NUM ***
***
***
($***)
**PLEASE NOTE: THE PARENTHESIS ON THE AMOUNT DOES IMPLY REFUND REGARDLESS OF THE CONFUSING “SALE” FIELD REFLECTED**
Regards,
*** ***
Accounts Manager

client has been terminated.

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 KNOW THAT I NEVER SIGNED A CONTRACT WITH FSLA, SO I DON'T KNOW HOW THEY COULD CONSOLIDATE ANY LOANS. I WANT MY MONEY RETURNED. THEY ARE OPERATING A FRAUDULENT BUSINESS, AND THEY  ARE NOT TRUTHFUL.

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 response does not meet our needs.  Both my husband and I ARE clients, both of our names are on the loans/paperwork.  NO MONEY has been refunded yet.
Regards,[redacted]

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 was contacted today by [redacted] due to my complaints with the Revdex.com.  Our conservation was quite different than the response given.  I was not previously told that I was ineligible for a refund.  In fact, I have an email from [redacted] explaining to me that my refund would be sent in 7-10 business days and to please be patient as the company was "going green" and there may be a delay in processing.  Prior to that, the only communication I had was to inform me that my employment verification form had not been completed and needed to be done prior to going further.  This only happened after I contacted the company myself several weeks after my payments were completed and I had not received the loan packet that I was informed was the next step in the process.   I was told at that time that with personnel changes being made, my file was possibly "lost in the shuffle", a comment that [redacted] also admitted was possible during our conversation today. The last time I spoke with [redacted], she called me but then stated she
did not have any of my paperwork in front of her due to "going green"
and was unable to give any specific information.  I was never informed
that there were other payment plans or options for me, and it was at
that time that I requested a refund due to ineligibility.   I only "demanded" a refund after multiple attempts were made to contact any other representative with the company and no responses were ever received either via email or phone call.  While talking with [redacted] today, I was informed that my loans had been consolidated and they were able to lower my payment to $[redacted] for a longer period of time since I was not qualified for the student loan forgiveness.  I explained that I had never received that information and, in fact, had learned that my loans had been consolidated from an email I received from FedLoan.  I was unaware that FSLA had other options or when that payment plan would start.  I had already been contacted by FedLoan that my forbearance was ending and that I would resume payments in December.  While speaking with [redacted] today, I requested a copy of the contract with the lower payment plan be sent to me for review and he stated that he would have someone send it to me today and to contact him with any further problems or questions.  I did not receive any further information from FSLA today about anything that [redacted] and I discussed on the phone (I did check my Junk folder as well to make sure), but I did receive this timely response from the Revdex.com.   I understand that mistakes can be made, especially with personnel changes, and I am very sensitive to the need for time off due to illness, however, I signed a contract with this company to also help lower my student loans and to help my family as well.  Communication has been non-existent since my payments were complete, but prior to that, I was receiving phone calls approximately every other week from Nicole asking if I had any questions or concerns.  I was excited about the opportunity to work with this company and had even discussed it with other colleagues.  Contacting the Revdex.com was my last resort due to not receiving any response at all from anyone in the company.  I was referred to [redacted] due to my complaints, however, I did attempt to reach other employees within the company to possibly explain where we were at in the process and I never received a response.  I feel that this is an unfortunate situation, but even speaking with [redacted] today yielded no results either, as I never received the email explaining the lower payment plan.
Regards,
[redacted]

To Whom It May Concern:
In response to this consumer complaint, please note the following:
Date client contracted with us:  01/28/14
The first scheduled payment date per the contract:  02/21/14 in the amount of $165.00.
The two remaining payments were scheduled for 3/21 & 4/21 also...

in the amount of $165.00.
All of the payments noted above are reflected in the contract signed by Ms. [redacted] on 1/28/14.
There has been no falsification or contradiction to the contracted agreement between our organization, Federal Student Loan Alliance and Ms. [redacted].
Her complaint against us is false and untrue as it pertains to the taking of her payments as you can clearly see she was fully informed in writing of all scheduled payment dates.
Attached are the contract documents for your review. 
Please contact me directly if I can provide any additional information.
Kind Regards,
[redacted]
Operations Manager
###-###-#### X;  [redacted]

client loans have been consolodated

---------- Forwarded message ----------
From: [redacted] <[redacted]>
Date: Tue, Oct 21, 2014 at 10:16 AM
Subject: Re: You have a new message from the Revdex.com
To: "[email protected]" <[email protected]>
Hello,
I wanted you to be aware that this company charged my account twice on October 17, 2014. Once for a maintence fee of 25.00 and then 29.00. They have yet to credit my account the other 347.50. I have left several messages and no one seems to want to return my calls or my money.
Thank you,
[redacted]

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.In 2014 I had issues of misinformation and lack of service with FSLA. After multiple attempts to contact the company and resolve the issue with no resolution I posted a previous complaint. During that instance, I was then quickly contacted from FSLA with an apology and confirmation of my cancellation and given a full refund. Even though I have been canceled from FSLA for quite some time I randomly received another service charge on 2/19/2015 for $29. Since that time I have sent numerous emails to the person that assisted me as well as their standard contact option ([email protected]), I have yet to receive any response. Now in the process of trying to work this out I have been charged the $29 fee again in the month of March. My account should be refunded for 2 charges at $29 and I want to again receive confirmation for the second time that my account has been canceled and no further charges will be processed. This cancelation of fees and removing my information should be completed in FSLA systems permanently.
Regards,
[redacted]

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 may have gotten dates wrong in my original communications, however there are still inaccuracies and untruths that remain. I was contacted by [redacted] on June 11, after an initial phone conversation. On June 15 I responded to that email saying I was unable to come up with the start up fee.   On June 16th she responded that the sooner I completed the start up fee the sooner I would begin the new payment structure to my student loan creditors. The contract for services was returned signed by me on June 24.  One full month went by without any communications for myself or [redacted]. Then on August 22, I received a message from Ms [redacted] stating she had left me a message regarding continuing with the program. I responded to her and on August  28 regarding changes to the scheduled auto withdraw of payments. I had to reset the withdraw because I was continuing to have difficulty managing the fees. After that I  contacted Ms. [redacted] on September 10, due to  FSLA presenting to my bank an unauthorized payment for fees. This presentation for payment was not authorized by me and created a negative balance and fees from my bank.  I followed up with an email to [redacted] and  I provided a screen shot of my bank statement showing the negative balance and awaited resolution. In a follow up email on September 11,  I was provided a name, Johana and a direct phone number to contact Johana if I had any questions about the refund of NSF fees. I attempted to call Johana but never was able to make contact with her and she never returned any of my calls. I need to say that my bank honored the draft from the account even though there was insufficient funds. So by this time I have already paid in to the scam $530, and FSLA has failed to respond to me timely, has withdrawn money without permission and has added to my financial burdens instead of helping me. I at this point, was frustrated and no longer wished to continue my relationship[ with FSLA because of their lack of professionalism and poor business practices. They from the very start neglected the terms of the contract I entered into. But foolishly on my part continued to honor my word. On October 9 I received an email in response to phone messages I left for Ms. [redacted] with an attachment from [redacted], stating that the last payment of  fee did not clear the bank. I contacted my bank and they told me no such payment had presented from any company in the amount set forth. The company, FSLA never presented the payment but wanted to create a story that they did. I returned an email on October 13, detailing again what my bank told me and that I had not yet, to this point received resolution about the NSF reimbursement from the last time, one month prior, FSLA didn't do what they were suppose to do. But I was just told that nothing had been received. So I resent the screen shot via email on October 14 and waited. I never received any communications form anyone, even though Ms [redacted] indicated in her response to the October 14 email that I would. Nothing else occurred during the next few weeks. Then on December 9, a person representing FSLA, Daniel called my home to discuss payments. When I began to detail my plight and dissatisfaction with FSLA he started telling me of unreturned phone messages, of which I rebuke as total lies. Not only do I have voicemail services through my phone carrier, I have an answering machine. I think the above details show a willingness to communicate with FSLA. It was during this conversation that [redacted] told me I would receive a full refund of the money I had paid in to date, $530. He went further to day it would take 5 to 7 days to process my refund and went so far as to give me the name of the person that would be in charge of processing the refund. [redacted], her direct number [redacted]. I began calling her as soon as I hung up with [redacted] and continued every day I was not at work and never was able to get a return call or an email. One day I called and instead of getting a voicemail, I got a automated message that no one was available to take my call and then the call was disconnected without further instructions for assistance. Subsequently, because I refuse to accept subpar service now they want to punish me and steal my money for bringing to light their unethical practices.  Second I was never informed that Ms. [redacted] no longer worked for the company as I continued to email her. I have never received a phone call, letter or email form anyone that another employee of FSLA would be working with me and my account. I assume that when an employees leaves another takes their place and resumes business. Yet this did not happen in my case. I think it is because FSLA knows they have misrepresented themselves.  IF FSLA is in the business of collecting money and then not rendering services then they are criminals and thieves praying on people looking for help to pay bills and become more financially stable. My plight and difficulty with finances was evident from the very first interactions and there was never any mention that a delay would result in retaining my money.  Likewise, there was every indication on the part of the representative of FSLA that I was in communications with, [redacted], that an effort would be made to correct mistakes on the part of FSLA, which included refunding money to me. That never happened. FSLA contests that correspondence was sent to my home, which I never received and phone calls that were never returned, but as states within this response I have proven that I am willing to respond when contacted.  I should have been contacted by a new counselor when, if Ms [redacted] was no longer working for FSLA, and this issue would have been put to rest long before now. But the fact remains Ms [redacted] admitted to mishandling of my case and did attempt to make it right but nothing came of it. I just want what is owed to me. I can not afford to give away that kind of money and not receive anything in return. FSLA has failed to prove that they provided any service to me that would justify them keeping my money.
 Below I have provided copies of emails between myself and my only official contact person at FSLA as well as the copy of the screen shot of the unauthorized draft NSF fee transaction. This is again proof that I am sincere in my request and am only asking for what is mine. I have furthermore proven that FSLA has failed to satisfy or guarantee their services as the claim insist. Yet once they hooked me and began to receive my money I was no longer of use. Please assist me in reclaiming my money so that I may begin to work with my creditors to satisfy my debts. I look forward to hearing from you soon.

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 contents on the response from FSLA are untrue. I can provide documentation that I paid $638.00 towards my "consolidation", not 1/2 of the $898.00. I also wish to see the documentation of my consolidation on November 11 which is again, I believe to be untrue. I have tried to contact Federal Student Loan Alliance throughout my contract with them and they did not respond to me until I threatened to leave and request a refund. According to their contract, they state a 100% money back guarantee. I am not satisfied, these statements of monies not paid are untrue and I called the Department of Education on January 2 and there was no loan consolidation since 2012. 
Regards,
[redacted]

Revdex.com:
I have received response from FSLA with sincere apology and full refund to my account. Although, I am not satisfied with the service I am happy we could come to a resolution and that I was offered a refund.
Regards,
[redacted]

Better...

Business Bureau:
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 recieved this refund, I just went through my account with the bank
Regards,
[redacted]