First Associates Loan Servicing LLC

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
This complaint has been resolved satisfactorily, thank you.Regards,
*** ***

Regarding: Account #: ***
Mr***,
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 *** therefore; the trade line update will be visible on a credit report supplied by ***If you have any questions please feel free to contact our office at ***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 you.
Sincerely,
Student Credit Union Connect

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 belowThe 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,
*** ***

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 *** 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: *** *** *** *** ***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: *** * *** *** *** *** ** *** ** ***The
tracking number is: ***The estimated delivery date and time is Sat,
9/5/by 12:pm
Please contact *** *** at *** if you have
any questionsThank you,
First Associates Loan Servicing, LLC

We thank you for the opportunity to address the above-mentioned consumer’s complaintWetake all complaints made by consumers very seriously and we have taken the appropriate stepsto investigate the enclosed concernsPlease find our response following.Sincerely,*** **Complaint Resolution
SpecialistEmporium- Pacific Credit Group

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 this.Thank You*** ***

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 ***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

I went to ITT Tech and had to get private loansBeing my fault and not looking closely at the contracts I signed up for loans with First Associate Loan Servicing LLC a.k.a Peak LoansSince ITT is a, for profit school and my year degree as cost me $100,half of those loans are with Peak Loans
I am working full time but I still can’t afford to pay the private loans through Peak LoansI have called them to try and get the payments consolidated into one loan they denied me saying that they do not consolidate any of their loansSo I took there forbearance that they offered which was only for monthsAfter the forbearance the only option I had was a lower payment but if I did this the representative told me it will double my payment once the program was done
Being that all the Peaks Loans payments combine are over $I just couldn’t afford thatI still have living expenses and my federal student loans I have to pay
I have tried to get other companies to take over the loan but the amount is too much and I don’t have enough assets to support that amount of loanOne of the worst issues for these loans are my interest rates range from 16% to 20% so every payment I make even when it is more than the minimum amount pays for mostly interest and very little on the principle
The last complaint I have with them is I have been paying late on the loans the past few months by a few weeksThese are the only loans I have payed late on and Peak Loans put such large negative marks on my credit score it took it from a to
This company only cares about their money and don’t care about the people they are affectingI have a good paying job and I still live pay check to pay check with no thrills or extra expenses

December 16, *** *** *** ** ***
Re: Account Number(s): *** & ***
Dear *** ***,
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 ***; we thank you for your business and wish you a prosperous futureSincerely,
Customer Service
First Associates Loan Servicing LLC

I agreed to a student loan with 11% interest over a twelve month termThe issue arose in regards to my payments as they repeatedly take out double payments and failed to cancel my auto payment after receiving notice that I hadn't had the proper funds availableSo currently, I'm over $overdrawn and was subjected to two $overdraft feesSo not only have they taken payments in months but they've also effectively increased my amount of overall debt by over drafting my account multiple timesPlease, by no means, should you inquire about or enter into an agreement with this company, for it exhibits poor business practices and fails to attend to the needs of their consumers

We have reviewed the details of your complaint and have investigated your concerns. Upon review of the information that has been supplied to the credit bureaus for your account we can confirm that our data is correct. The payment history includes data from the months of January 2014 to October 2014....

The final payment date and closed date that was supplied to the credit bureaus was: 11/06/2014 (Last Payment Date) and 11/13/2014 (Closed Date).We have not reported any payment history for 2015. The commentary on your account shows that we have requested proof of the errors that you claim appear on your credit file. We have requested this documentation from you on more than one occasion but you have yet to provide it to us. Unfortunately 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 6:00 AM to 7:00 PM (Pacific Standard Time) and on Saturday from 7:00 AM to 12:00 PM (Pacific Standard Time).

Complaint has been responded through the Revdex.com Complaint Portal. Please find enclosed response.   Thank you Dear [redacted]:We have received a copy of the complaint that you have provided to the Better BusinessBureau. First and foremost we would like to apologize for any inconvenience...

that you may haveexperienced with respect to your auto loan financed by [redacted]. 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 name.Please 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 [redacted]. Within thispacket, all the necessary information was provided to you to continue making your payments aswell as a brief description of who we were.Your account became past due 120 days after numerous attempts to contact you via telephone,email, and web services with no success to reach you.If you feel your credit was not reported accordingly, we ask that you please submit a creditdispute through the credit agencies. Subsequent to your submission, we will reinvestigate youraccount and make the necessary changes if needed.Should you have any questions, please feel free to contact us.Sincerely,[redacted]

I had a school loan with this place. I paid off my loan in January of 2016. I had it set up so that every 15th of the month, they would deduct the payment of $182.00. on Feb. 15th, 2016, they took out $182.00 from my checking account! I called and spoke with 3 separate people during a week span, all assuring me I will be refunded and that my account will be un-linked from my debit card. on March 15th, 2016, I checked my checking account AND again his place took another $182.00! I spoke with 3 people on that day, also twitter DM, and email..again I still wasn't refunded for my Feb. $182.00! a man assured me that would be refunded within 3-6 business days, and that they put a "stop" on the pending charge for March. on March 16th, I checked my checking account AND IT WENT THROUGH!!!!!!!!!!!!!!! so I was lied to again! I once again emailed the person I was directed to and was told " I cant access your account, ill forward it to the manager"...this place is an absolute [redacted] show! I wouldn't recommend this loan service to my worst enemy!

[redacted] 
[redacted]RE: ACCT # [redacted]Dear [redacted], Our office has received your letter regarding your account from the Revdex.com (Revdex.com) on 03/14/2018. 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 $15,833.58 was applicable on the date of November 14th, 2017. However, your check payment was made on the date of 12/5/2017. The payroll balance applicable on that date rose to $15,946.93 due to accumulated interest at the close of business on 12/4/2017.As previously mentioned, we refunded you $1,195.07 in the form of a check which was sent to you by mail on December 15th, 2017. We have attempted to contact you through telephone and by email to communicate this information but have since been unsuccessful in reaching you. Please find attached in this response a copy of your check received which includes the date December 5th, 2017 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-7:00 PM (PST) and Saturdays from 7:00AM-12:00PM (PST).Sincerely,Customer ServiceBorrowers First

Complaint has been received and responded through the Revdex.com Complaint Portal. Please see attached response. Thank you We have received a copy of the complaint that you have provided to the Revdex.com. Firstand foremost we would like to apologize for any inconvenience that you may...

have experienced withrespect to your auto loan financed by [redacted].Upon review of your complaint, it is our understanding you are disputing an amount not credited toyour account.After reviewing your account, we have noted that the $300.00 western union payment has beencredited to your account subsequent to receiving the proof of payment. We have waived the late feeassociated with such and your account is current as of this day.Should you have additional questions, please feel free to contact our office at [redacted]. Our officehours are Monday through Friday from 6:00 AM to 7:00 PM (Pacific Standard Time) and on Saturdayfrom 7:00 AM to 12:00 PM (Pacific Standard Time).You may also speak directly with Complaint Resolution Specialist [redacted]. She is a member of ourComplaint Resolution Department and has been made aware of your correspondence. We appreciateyour business and look forward to coming to an understanding with you soon.Sincerely,Complaint Resolution Department[redacted]

Thank
you for the opportunity to present our response. First and foremost we would
like to explain our involvement with respect...

to the customers Private Student
Loan. We (First Associates) are the current third party loan servicer; we are
not the holder nor do we own the loan. We had no involvement in the origination
of the loan or the education that was received at [redacted]. We
cannot address complaints against the [redacted] campus that was
attended. We recommend the customer contact the school directly regarding any
complaints about education or loan origination.
 
Upon
review of the account we can confirm that the customer did submit a request for
In School Forbearance on 02/02/2015. Unfortunately per the terms of the loan
contract; In School forbearances can only be granted upon the following
qualifying terms:
 
1.     
The loan
has not passed the
date that is 48 months after the first disbursement of the first PEAKS Private Student Loan.
2.     
The
customer is enrolled at [redacted] or [redacted] on at
least a half time basis.
3.     
The loan
is not in a Default status.
 
The In School Forbearance
form that was subm[redacted]ed by the customer did not meet the above qualifications;
specifically because the school being attended is not [redacted]
or [redacted].
 
As loan servicer our
administrative authority is limited to the terms of the customer’s student loan
contract. We cannot make changes to or otherwise modify the loan terms.
 
If the customer still wishes
to speak with a supervisor we can arrange a telephone call at the customer’s
earliest convenience. Please have the customer provide the date and time that
she would like to be called.
 
Please feel free to contact
us if there are any questions at 866-747-0273. Our office hours are Monday through
Friday from 6:00 AM to 7:00 PM (Pacific Standard Time) and on Saturday from
7:00 AM to 12:00 PM (Pacific Standard Time).
 
Sincerely,
First Associates Loan
Servicing

Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, Ca. 92123
Phone: (858) 496-2131
Fax: (858) 496-2141
Complaint ID: #[redacted]
To whom it may concern:
We are in receipt of the complaint filed by [redacted] and we have reviewed all call records involving the phone number that Mr. [redacted]...

is referring to. We were placing calls to that phone number in an attempt to contact our customer, for a period of time we were able to make regular contact with our customer at that phone number. We do acknowledge Mr. [redacted] advising us that our customer can no longer be contacted at this phone number. We have since removed his phone number from our calling system and Mr. [redacted] will not receive any more phone calls from First Associates Loan Servicing this includes any of our private labeled business phone numbers. We would like to offer our sincere apologies to Mr. [redacted] for any inconvenience this may have caused. We welcome Mr. [redacted] to contact our office shall he have any questions. Our office hours are Monday through Friday from 6:00 AM to 7:00 PM (Pacific Standard Time) and on Saturday from 7:00 AM to 12:00 PM (Pacific Standard Time).

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 $200.00 that was mailed to the customer on 10/22/2014 has cleared. We attempted to contact the customer on 11/3/2014 at...

approximately 1:00 PM but were unsuccessful in reaching her. 
 
The customer's account is closed and the refund has been received.

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, 2015. 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 4 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 279 a month (4 months =) then the second time I talked to them a day later my balance was $1533, then the third day they say I owed $1847. 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 $1341 come into play and the $252.50 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 9/23/15 and the repossession letter both say Condor Capital....Sounds Like fraud!

We are in receipt of the complaint filed by a Third Party to
an account serviced by our office. We thank you for the opportunity to present
our response.

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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 complaint. We 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: § 805 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 office. Thank you.