First Associates Loan Servicing LLC

We have received to our offices on January 26th, a copy of the complaint recently provided to the Revdex.comAgain, we would like to apologize for any inconvenience that you may have experienced with respect to your Peaks Private Student LoanAs servicer for your account, we take all complaints very seriously and thank you for the opportunity to respond.Upon review of your complaint, we understand you seek loan forgiveness on your Peaks account due to the e-signature process you experienced obtaining the loanPlease be advised that acceptable e-signatures may be obtained either by physical signature or by clicking and typing, as you have described you experiencedYour description of the process and your involvement in the e-signature style also indicates your presence and intention at origination of the loan, as you did provide your “SSN and other relevant information for an e-signature.” This process binds you to the contractual agreement between you and PEAKS student loansAttached you will find a copy of the agreement, which lists all terms, such as your interest rate.Your account reflects that you graduated with the help of this student loan, back in 2012, and we offer our congratulations on this educational success! Student loans are designed to financially enable students to reach their education goals, and we are glad to work together with you to repay this arrangement.To ask a question or make a payment, our offices can be reached at 888-986-8128; Monday-Friday from 6:00AM-7:PM (PST) and Saturdays from 7:00AM-12:00PM (PST)[redacted] V.Complaint Resolution DepartmentFirst Associates Loan Servicing, LLCServicing on behalf of PEAKS Private Student Loans

Revdex.com: I am not accepting the business response, because it shows in the system when the last time I have calledAnd first Loan Associates have a log of who I speak with and what the conversation is aboutBecause if not, then why would the rep that I have talked too in Decmeber, would state to me that it showed in the system that I have called in Novemeber about the conversation of the current amount, so why do I need to provide the information to them, The company is only making it harder for me to to resolved this issue I was looking for a supervisor to call me, not the questions forward to me to answer like, Who did I talk to, what's is their name, and when did the incident happenI have been misinformed, I am requesting the phone record from my company, to see when did I actually spoke with the repBut First loan has all of thisThank You [redacted]

Regarding: Account #: [redacted] Mr [redacted] , We would like to thank you for your patience while we conducted our investigation into your complaintOur results are as follows: We have updated this trade line data to reflect the account closure and the specific details surrounding the satisfaction of your account balanceWe maintain a reporting relationship with [redacted] therefore; the trade line update will be visible on a credit report supplied by [redacted] If you have any questions please feel free to 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)Thank youSincerely, Student Credit Union Connect

May 13, [redacted] U.SCertified Mail Tracking Number: [redacted] Return Receipt Requested- RE: Revdex.com Complaint Complaint I.D.: [redacted] Loan Number: [redacted] Dear [redacted] , We are in receipt of your complaint filed with the Revdex.comFirst and foremost we would like to explain the gap in the response time; due to a system glitch we were not made aware of your complaint until recentlyWe make every effort to respond to customer concerns in a timely manner and apologize for any inconvenience this may have caused We understand that you may have some confusion as to your private student loan from Student Credit Union Connect for your tuition at ITT Technical Institute Liverpool Campus (Greenfield Parkway Liverpool, NY 13088-6651)We have contacted the financial aid department of the campus listed above and have obtained your financial aid history reportHighlighted on the history report are the abbreviations ELFCU PVTLN which stand for [redacted] Federal Credit Union Private Student Loan [redacted] Federal Credit Union is the original lender of your Student Credit Union Connect loanThe amount listed of $7,on the financial aid history report matches the amount on the promissory note that was emailed to you per your request on 01/13/We have included the following documents for your review: ITT Tech Financial Aid History Report, Promissory Note, Truth in Lending Disclosure and Loan Approval Letter from the previous servicer (ACS) We have verified that this account is being reported on your credit report, specifically to Equifax and Experian We do not have a reporting relationship with TransUnion, if you have pulled your credit report using their services you would have not seen this account Regarding your request for removal of a phone number belonging to your girlfriend; the phone number has been removed from our calling system and should not be called againPer your request we are removing all contact information from our systemCommunication to you will cease until otherwise requested by you in writing If you have any questions please feel free to contact our office at [email protected] or by phone 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) Sincerely, First Associates Loan Servicing

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 complaint. In 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?

December 16, [redacted] Re: Account Number(s): [redacted] & [redacted] Dear [redacted] ***,Please accept this letter as confirmation that the above referenced accounts have been satisfiedYourcredit report has not been affected by either accountFor account details including payment history pleasecontact our office at 800-275-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).On behalf of [redacted] ; we thank you for your business and wish you a prosperous future.Sincerely,Customer Service First Associates Loan Servicing LLC

Customer: *** *** Loan #: ***Service Release Date: October 2014Upon review of our records it appears that we have been released of our servicing responsibilities to *** ***'s Private Education LoanHer loan was transferred to *** CREDIT, LLC in October ***
CREDIT, LCC can be reached at ***We are no longer servicing this loan and have no further information

Is there such a company as emporium....hard time getting there and they have personal info of mine !

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
The business has not sent me any information to prove these accounts are closed and that I owe zero on both accountsI need more proof and a letter addressed to meThank you but this is just to generic and means nothing
Regards,
*** ***

Dear *** ***, Thank you for the opportunity to review and respond to your complaintWe have looked into the details surrounding your complaintIt is our understanding that you feel that you were not notified correctly regarding your billing statements and/or not given the information
to successfully set up automatic payment withdrawalIn order to determine if an error was made on our part we must obtain the following information:The date that you attempted to set up automatic payment withdrawalHow you attempted to set up automatic payment withdrawalWhy were you unable to set up automatic payment withdrawalOn what dates was a payment charged timesHave you spoken to a representative regarding the $in insufficient funds feesPlease provide the requested information so that we may investigate your concerns properly

Complaint has been received and responded through the Revdex.com Complaint PortalPlease see attached response.
Thank you
We have received a copy of the complaint that you have provided to the Revdex.comFirstand foremost we would like
to apologize for any inconvenience that you may have experienced withrespect to your auto loan financed by *** *** ***.Upon review of your complaint, it is our understanding you are disputing an amount not credited toyour accountAfter reviewing your account, we have noted that the $western union payment has beencredited to your account subsequent to receiving the proof of paymentWe have waived the late feeassociated with such and your account is current as of this dayShould you have additional questions, please feel free to contact our office at ***Our officehours are Monday through Friday from 6:AM to 7:PM (Pacific Standard Time) and on Saturdayfrom 7:AM to 12:PM (Pacific Standard Time)You may also speak directly with Complaint Resolution Specialist *** ***She is a member of our
Complaint Resolution Department and has been made aware of your correspondenceWe appreciateyour business and look forward to coming to an understanding with you soonSincerely,
Complaint Resolution Department
*** *** ***

Revdex.com:
I received payment in full via overnight check # *** for $923.83 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,
*** ***

Revdex.com:
I received payment in full via overnight check # *** for $
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,
*** ***

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.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 04/07/2015.
Regards,
*** ***

Complaint has been responded through the Revdex.com Complaint PortalPlease find enclosed response.
Thank you
Dear ***:
We have received a copy of the complaint that you have provided to the Better BusinessBureauFirst and foremost we
would like to apologize for any inconvenience that you may haveexperienced with respect to your auto loan financed by ***First Associates is the currentthird party loan servicer, we are not the holder nor do we own your loan.Upon review of your complaint, it is our understanding you are disputing the credit reported onyour namePlease be informed your account was transferred to us on 9/29/2014; on this day, a welcomepacket was mailed to you to the address on file ** *** *** *** ** ***Within thispacket, all the necessary information was provided to you to continue making your payments aswell as a brief description of who we wereYour account became past due days after numerous attempts to contact you via telephone,email, and web services with no success to reach youIf you feel your credit was not reported accordingly, we ask that you please submit a creditdispute through the credit agenciesSubsequent to your submission, we will reinvestigate youraccount and make the necessary changes if neededShould you have any questions, please feel free to contact usSincerely,***

The refund details are as follows:
Check #*** 12/22/Amount: $923.83
FedEx #***
Via overnight Delivery
Please see the email below that was sent to the consumer today.
From: Customer Service
Sent: Monday, December 22, 2:PM
To: ***
Subject: RE: Reimbursement request for item
Hello,
Your Refund will be sent over night via Fed-Ex, we apologize for any inconvenienceSincerely,
Customer Service Department
First Associates Loan Servicing, LLC
Fax: 888-756-Email: [email protected]
Web: www.PrivateLoanServicing.com

Complaint has been received and responded through the Revdex.com Complaint PortalPlease see attachment.
Thank you
We are in receipt of your complaint filed with the agency referenced aboveFirst and foremost we would like to apologize for
any inconveniences you may have experienced with respect to your *** *** *** *** Private Student Loan.Upon review of your account, we can conclude your account has been closedOnce again we would like to apologize for the delay but we have taken the necessary steps to rectify your accountWith that being said, your previous credit reporting will be adjusted accordinglyIf you have any questions please feel free to contact our officeOur 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)Sincerely,
First Associates Loan Servicing

Dear *** ***,
Our records show attempts to contact you regarding assistance with loan repayment on many occasionsThe telephone numbers that we have been using in an attempt to contact you are: *** and ***We cannot offer assistance if we are unable
to make contact with youOur records also show that we have sent you many emails in an attempt to assist you with loan repaymentUnfortunately, you have also failed to respond to any of our emailsThe email address on file for you is: ***If you would like to discuss a payment option that fits your current financial situation please contact us at ***, you may also contact our office via email at ***

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*** 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*** 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 balance.
The 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 month.
We would like to apologize if the representatives explanation was misunderstood by the consumerAs servicer our administrative authority is limited to the terms of Ms*** 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 due.
We encourage Ms*** to contact us by phone or visit our website whenever she has a question about her account.
If there are any further questions or a need for more information please feel free to contact our office

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
ITT Technical Institute staff signed on behalfI didn't sign that promissory noteI provided the school my details so they can file for FEDERAL loansThey filed for Federal Loans (that I verbally agreed to) in addition to the First Associates Peaks Loan (which I didn't agree to and had no knowledge of of)The e-signature First Associates only consists of my name typed outHow is that proof? All ITT Tech campuses got shut down last year for fraud for fraud of this natureThey signed me up with "temporary credit" (which is the First Associates Private Loans which ITT Tech is associated with on a business level) without my knowledgeI never would've agreed to these high interest loans by choice.
Regards,
*** ***