First Associates Loan Servicing LLC

Thank you for the opportunity to respond to to the consumers complaintWe have reviewed the facts surrounding the complaintWe can confirm that both accounts mentioned by the consumer have been closedIn addition; payments from account ending in *** were applied to account ending in *** First Associates is the third party servicer, our administrative authority is limited to the directions of the note holder We would like to apologize for the delayPlease feel free to contact us if you have any questions

We have reviewed the details of your complaint and have investigated your concernsUpon review of the information that has been supplied to the credit bureaus for your account we can confirm that our data is correctThe payment history includes data from the months of January to October The final payment date and closed date that was supplied to the credit bureaus was: 11/06/(Last Payment Date) and 11/13/(Closed Date)We have not reported any payment history for The commentary on your account shows that we have requested proof of the errors that you claim appear on your credit fileWe have requested this documentation from you on more than one occasion but you have yet to provide it to usUnfortunately without any type of proof there is no further action that can be done on our end We recommend you dispute the information with the credit bureaus and contact our office immediately after filling the dispute so our Credit Reporting department may review the data in the dispute with you directly If you have any questions you may contact our office at [redacted] Our office hours are Monday through Friday from 6:AM to 7:PM (Pacific Standard Time) and on Saturday from 7:AM to 12:PM (Pacific Standard Time)

We are in receipt of the complaint filed by a Third Party to an account serviced by our officeWe thank you for the opportunity to present our response size="3"> We have reviewed the details of the complaint and have investigated the third party’s concern by reviewing all recorded phone conversations and notes pertaining to the complaintWe have concluded that our representatives acted accordingly and followed internal policy and procedure with respect to discussing account details with Unauthorized Third Party’sAlthough we understand that the Third Party’s intention was to (by the 3rd party’s confession) assist an incarcerated consumer with the handling of an account; we cannot disclose the details that were being requested Not only is it a matter of the privacy policy practiced by First Associates but we are also prohibited by law per: § of the FDCPA Paragraph (b) COMMUNICATION WITH THIRD PARTIESThird party authorization forms are provided to the consumer to be completed by the consumer and returned to our office for approval However, considering the current circumstances of the consumer as explained by the complainant; we provided the Third Party Authorization Form directly to the Third Party insteadIf there are any questions regarding this complaint/response please do not hesitate to contact our officeThank you

Thank you for the opportunity to respond to the consumers complaint.At this time we would like to ask the consumer to provide more information regarding the details of the complaintIn order to properly and thoroughly investigate her concerns we ask that she provide the following information:On what date did the following conversation take place?: ..."explained to me that if I pay 250.00, then that would bring my account up to date"...What is the name of the Representative that advised you of the above underlined information?

I paid them off months ago, but they added a cent charge days ago and never billed me, then added a $late fee saying I owe them $past dueMake sure you keep your receipts from First AssociatesThey said they would clear it up, waiting to seeHaven't checked my credit report yet, but will

Thank you for the opportunity to respond to the customers concern We have been able to confirm with our bank that refund check # [redacted] in the amount of $that was mailed to the customer on 10/22/has clearedWe attempted to contact the customer on 11/3/at approximately 1:PM but were unsuccessful in reaching her The customer's account is closed and the refund has been received

Our previous response was a request to the consumer asking that she provide the name of the representative that she spoke with and the date that the conversation took place so that we may review that phone callThe consumer was unable to provide the requested informationWe have reviewed the last incoming phone calls from the consumerUnless Ms [redacted] objects we will assume that the 2nd reviewed phone call is the call subject to her complaintThe details of this call are as follows:Our records show that the consumer contacted our office on 11/11/via telephone- caller id: (xxx) xxx-***During the beginning of the conversation Ms [redacted] was given the amount of the total past due balance which at that time was: $(see attached statement)She explained that a health condition combined with a loss of work hours has caused the delinquency of her accountShe asked the representative if there were any payment plans available for the past due balanceThe representative stated: "you have to put at least $towards the account to bring the account current within the next months"This means that in order to bring the account current over the next months (in time for her to complete her current class) she would have to pay at least $per monthWe would like to apologize if the representatives explanation was misunderstood by the consumerAs servicer our administrative authority is limited to the terms of Ms [redacted] contractWe are unable to waive the past due balance or make any account adjustmentsStatements are mailed out every month to keep customers informed of their balance and the monthly payments that are dueWe encourage Ms [redacted] to contact us by phone or visit our website whenever she has a question about her accountIf there are any further questions or a need for more information please feel free to contact our office

Customer: [redacted] Loan #: [redacted] Service Release Date: October Upon review of our records it appears that we have been released of our servicing responsibilities to [redacted] 's Private Education LoanHer loan was transferred to [redacted] CREDIT, LLC in October [redacted] CREDIT, LCC can be reached at [redacted] We are no longer servicing this loan and have no further information

Thank you for the opportunity to respond to the customer’s complaint Upon review of Ms [redacted] account history we can confirm that she did contact our office via telephone on 02/24/Ms [redacted] advised the representative that she has been attending school since Fall and would like her student loan to be placed into an In School DefermentAt this time Ms [redacted] loan was already more than months past due Per the terms of Ms [redacted] ’s Promissory Note; she must be attending [redacted] at least half time for her loan to remain in or be re-placed into an In School Deferment Status The payment history shows that Ms [redacted] continued making her loan payments until August At anytime Ms [redacted] could have contacted our office to go over the In School Deferment qualifications that are outlined in her promissory noteWe have always kept Ms [redacted] aware of the delinquency by mailing monthly billing statements and mailing her a demand letter notifying her of the risk of defaultThe demand letter was mailed to her on 1/12/ Coincidentally, on the same date that Ms [redacted] contacted our office; her loan was moved into a permanent default status as her loan was in a prolonged state of delinquency According to the details in Ms [redacted] complaint she is currently attending “University of Maryland University College”, unfortunately even if we had received her request for an In School Deferment in time to process the form before the default; she would not have qualified We encourage Ms [redacted] to contact our office if she would like to discuss a payment arrangement that fits her financial needs If there are any questions please contact us at 877-662-Our office hours are Monday through Friday from 6:AM to 7: PM (Pacific Standard Time) and on Saturday from 7:AM to 12:PM (Pacific Standard Time)

Please see the attached Third Party Authorization FormThis form must be completed by the borrower and returned to our office for approval Thank you

We are in receipt of the complaint filed by a Third Party to an account serviced by our officeWe thank you for the opportunity to present our response We have reviewed the details of the complaint and have investigated the third party’s concern by reviewing all recorded phone conversations and notes pertaining to the complaintWe have concluded that our representatives acted accordingly and followed internal policy and procedure with respect to discussing account details with Unauthorized Third Party’s.Although we understand that the Third Party’s intention was to (by the 3rd party’s confession) assist an incarcerated consumer with the handling of an account; we cannot disclose the details that were being requested Not only is it a matter of the privacy policy practiced by First Associates but we are also prohibited by law per: § of the FDCPA Paragraph (b) COMMUNICATION WITH THIRD PARTIES.Third party authorization forms are provided to the consumer to be completed by the consumer and returned to our office for approval However, considering the current circumstances of the consumer as explained by the complainant; we provided the Third Party Authorization Form directly to the Third Party instead.If there are any questions regarding this complaint/response please do not hesitate to contact our officeThank you

They are a bunch of Scam artist They took over a Scamming companies accounts out of New York called Condor Capital The transition took place in September 21, When they first incepted my account I informed them it was wrong via email, because I had no company name or phone number On October 6, 2015, I come out to my car not being there They never contacted me regarding my issue via phone, email, mail I finally was able to obtain a phone number and when I got ahold of them they identified themselves first associates At that point they told me I had not made any payments on my vehicle in months I've supplied them with bank statements showing my payments that were taken out, I faxed them, they conveniently lost them, I emailed them again, no response from them, I've even sent them certified When this mess started, they said I owed $1047...now keep in mind my payment is a month (months =) then the second time I talked to them a day later my balance was $1533, then the third day they say I owed $with all of this, they emailed me telling me they credited my account for unnecessary late charges???? Where do my payments in the amount of $come into play and the $credit?? I filed a complaint with the CFPB and their response was they were not Condor Capital ???? When in fact the invoice I got date 9/23/and the repossession letter both say Condor Capital....Sounds Like fraud!

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 They have not confirmed that the balance was paid in fullThey are responsible for reporting correct information to the agencies, they have the innate ability to pull the information that they have reported to the agenciesIt is not my responsibility to provide them with proof as they have the capable technology- I've brought this to their attention on multiple occasions and they have agreed they could do soThe outcome is that it should be paid In full $balanceNever late and completely delete this from my credit reportAlso sold car as of 09/30/never but reported day late in 01/lol that's crazy? Also the loan was only 01/to 09/30/but shows data from 06/As attached from credit report equifax last updated 04/07/ Regards, [redacted] ***

Mrs***, Thank you for the opportunity to respond to your complaint We have investigated your concernsUpon review of your account history and Ch Bankruptcy case details we have found the following: Our customer service department received a call from you on 07/21/The representative explained that she was unable to discuss any account details with you or make any account adjustmentsThis was due to your Bankruptcy filing and the fact that you were being represented by an attorney regardless of your claim to have received a dischargeAs bankruptcy is a sensitive matter with strict laws surrounding creditor and debtor communication our representatives are trained to refer bankrupt borrowers to their attorney Your attorney contacted our office on 07/21/but did not provide a new address for youThe title was mailed to the address on file with the United States Bankruptcy Court Northern District of [redacted] on 08/07/It appears that when you contacted our Bankruptcy Specialist on 08/17/you advised her of your new address, however as stated previously; the title was already mailed out to the address on file with the United States Bankruptcy Court Northern District of ***You were advised by our Bankruptcy Specialist that when the title gets returned to our office by the U.SPostal Service we would then forward the title on to your current addressYou were also provided with the Tracking number to the title package which is: [redacted] ***To date we have not received the returned titleWe have created a replacement title release package and have sent it via FedEx Overnight Delivery to the address that you provided: [redacted] ***The tracking number is: [redacted] The estimated delivery date and time is Sat, 9/5/by 12:pm Please contact [redacted] at [redacted] if you have any questions.Thank you, First Associates Loan Servicing, LLC

Complaint was received and closed with explanation through the Revdex.com PortalResponse has been mailed to consumer and provided to Revdex.com through the portal We are in receipt of your complaint filed with the agency referenced aboveFirst and foremost wewould like to apologize for any inconvenience that you may have experienced with respect to yourPEAKS Private Student Loan.Upon review of your complaint, it is our understanding you feel your loan account is not managedproperly.Please be informed that the reason your account is no longer eligible for any other form of assistance isdue to the fact you have utilized any and all forms of aid available to you, this includes In SchoolForbearancePer your request, your account was enrolled in the Modified Graduated RepaymentSchedule (MGRS) program that of which is scheduled for two years starting 9/15/through 9/15/17.Subsequent to reviewing your account, we have located your payment history; per your paymenthistory, there have been numerous returned payments which caused your account to becomedelinquentThe last payment we received from you was for the amount of $on 3/25/2016,however, this was applied towards late fees and fees associated with the previous returned payments.The reason your account changed from to days past due was because of the returned paymentspreviously mentionedAs of today, your account is days past due with a past due balance of$591.19; this includes unpaid billings for the months of November through April and any late feesaccrued.Per our notes, there was never a conversation occurring March 11, Please be informed that anyaccount not paid within the terms of the contract is subject to fall under default as stated in yourpromissory noteEnclosed is a copy for your review.We can assure you that your account has been reported accordingly to all credit agenciesOnce accountbecomes current with all past due balances liquidated, your credit will reflect such updatesIf you have any questions regarding the status of your loan or to make a payment please feel free tocontact our office at [redacted] Our office hours are Monday through Friday from 6:AM to 7:00PM (Pacific Standard Time) and on Saturday from 7:AM to 12:PM (Pacific Standard Time).Sincerely,First Associates Loan Servicing

[redacted] [redacted] RE: ACCT # [redacted] Dear *** [redacted] , Our office has received your letter regarding your account from the Revdex.com (Revdex.com) on 03/02/After review of your letter, we understand you claim that you are owed $After a review of your account, we confirm that a payment of $17,was received on December 4th, The balance owed on the 4th of December, was $15,Attached, you will find a payment history for the above referenced account, which confirms thisAs such, you were not charged additional interest following receipt of your paymentWe refunded you $1,in the form of a check which was sent to you by mail on December 15th, We have attempted to contact you through telephone and by email to communicate this information but have since been unsuccessful in reaching youIf you have any questions regarding this letter, our offices can be reached at 888-201-6952; Monday-Friday from 6:00AM-7:PM (PST) and Saturdays from 7:00AM-12:00PM (PST)Sincerely, Customer Service Borrowers First

Revdex.com of San Diego Murphy Canyon, Ste San Diego, Ca Phone: (858) 496- Fax: (858) 496- Complaint ID: # [redacted] To whom it may concern: We are in receipt of the complaint filed by Charissa Mangum and we have reviewed her account details We have no record of a tax document being sent to her in the amount she quoted of $We do however have record of her 1098-E tax form which has an amount of $listed on itSome borrowers can deduct interest payments on student loans when they file their income tax returnsThis provision is known as the Student Loan Interest Deduction, and eligible loans are referred to as "1098-E eligible." As loan servicer we are required by law to provide this document to her MsMangum’s account has qualified for a recovery program which triggered the four payments that were made on her behalfcounts that are close to default because of the customers’ failure to make payments for several months can be qualified to receive payments to prevent the account from being placed into a permanent default status The terms of Ms [redacted] s student loan are not negotiable; we cannot alter the already set regular monthly payment amountThe terms of her loan are listed in her signed loan contractIf she is experiencing financial hardship she may qualify for assistance in the form of an Economic Hardship Forbearance With forbearance she may defer her payments for months at a time for a maximum of monthsTo apply for forbearance she can call our service department at 866-747-or logon to our website at www.peaksloan.com Please feel free to contact our office with any questions

[redacted] [redacted] ***RE: ACCT # [redacted] Dear [redacted] , Our office has received your letter regarding your account from the Revdex.com (Revdex.com) on 03/14/After review of your letter, we understand you have rejected our previous Revdex.com complaint response because you claim the balance owed at the time of payoff was not calculated correctly.We understand that the balance of $15,was applicable on the date of November 14th, However, your check payment was made on the date of 12/5/The payroll balance applicable on that date rose to $15,due to accumulated interest at the close of business on 12/4/2017.As previously mentioned, we refunded you $1,in the form of a check which was sent to you by mail on December 15th, We have attempted to contact you through telephone and by email to communicate this information but have since been unsuccessful in reaching youPlease find attached in this response a copy of your check received which includes the date December 5th, on the front portion of the check.If you have any questions regarding this letter, our offices can be reached at 888-201-6952; Monday-Friday from 6:00AM-7:PM (PST) and Saturdays from 7:00AM-12:00PM (PST).Sincerely,Customer ServiceBorrowers First

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 is not a fix all there is still the matter of late fees and any other fees also there is a issue of my credit rating and the three payments that are behind I would like them to be moved to the end of my contract and a real statement so I can see the payment reflect the actions of any payments maid I did not agree to a paperless plan and need a new statement each month if not the bike will be returned to Harley Davidson W.Centerville road Garland Road Garland Tx I have been in contact with [redacted] he is the Business Manager at Harley Davidson he has also been in contact with one of the head members of Thunder Road I have been Financed by this company once befor on a bike it needs to be removed from my account records

I had attained a loan with [redacted] **, a online learning institution and had received a loan from First Associates Loan Servicing LLC First, I never received the materials to do the course, but the main problem is that First Associates Loan Servicing LLC has me both in collections, and as an active student They are still charging me a monthly fee, interest, and late fees, but they also have me in active collections with no option to try to make the account current so I can pay the monthly payment They will not work with me, they constantly transfer me to other departments, back to the school, or hang up, or plus minute hold times when no one answers the call There is absolutely no way to resolve this unfair debt practice that serves me in any way By keeping me in the active student status and continuing to charge late fees and interest, and keeping me in debt collection which I can not get out of without paying the balance in full, they have effectively bypassed the year reporting In essence, they can keep reporting negatively to my credit report for life No outcome serves me and the destruction they have done to my credit report This may very well be the worst experience I have ever had with any company in my years of life Subsequently, since they service the online school ***, I would advise anyone to stay away from this school because of who they choose as a lender for your loan I had not got the education, and then I had to file for SSDI leaving me with an income of dollars a month I was not able to pay for the schooling, but they never stopped treating me as an active student, while also cutting me off from bringing my account current and reporting it as such Whether I pay the principle, late fees, and interests, or pay the monthly payment, they will continue to report and ruin my credit This is a no win situation, and I never even got the product they are charging me for Stay very far away from these companies, their practices are shady at best, and they have found a way to bypass the year negative account reporting