First Associates Loan Servicing LLC

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.
[Again, their story has changed as to why they feel they paid me what I was due.  I have now lost count as to how many differing excuses as to why they believe their own narrative.  This is less about the money and more about their inept customer service agents and process as a whole.  The fact that they are now saying that interest accrued at the close of business on 12/4 and they did not reach my payment until 12/5 makes no logical sense.  If my due date was the 8th of every month, that would indicate to most consumers that interest is accrued again after the close of the day that payment is due not before.They continue to send me letters stating that they have been trying to reach me via the phone, FALSE.  They had the audacity to waste time and resources by sending me 27 pages of my original loan documents which prove nothing and I am still in possession of my original copies and now have another set of irrelevant papers.  This is not resolved as far as I am concerned however, I wish to NOT receive any more asinine correspondence from this joke of a business.  There is a reason that they are now out of business and only exist to provide customer service to those consumers with outstanding loans.]
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.
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 1334 W.Centerville road Garland Road Garland Tx 75041 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 2013 bike it needs to be removed from my account records

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me and will await my refund of overpayment of $ 298.22.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If not will reopen this case. I am due a refund of $ 298.22
Regards,
[redacted]

[redacted] 
[redacted]   RE:          ACCT # [redacted] Dear [redacted],                                 ...

                                                Our office has received your letter regarding your account from the Revdex.com (Revdex.com) on 03/02/2018. After review of your letter, we understand you claim that you are owed $113.35. After a review of your account, we confirm that a payment of $17,142.00 was received on December 4th, 2017. The balance owed on the 4th of December, 2017 was $15,946.93. Attached, you will find a payment history for the above referenced account, which confirms this. As such, you were not charged additional interest following receipt of your payment. 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. 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 Service Borrowers First

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

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.Indeed, your representatives OUTSIDE of the supervisor [redacted] acted professionally, however I never requested for information to be released on the individuals account, I only requested the third party authorization form. Please read and understand what is being requested before assuming that your agency acted accordingly. Your response says that the letter has been sent to me but I have yet to receive it and neither has my fiancé. (No emailed form was sent to his email address on file). I also haven't received it in post mail. The form is not made available on your website or on his account when logged in. (The reviewed calls pertaining to this complaint should have confirmed this.)
Still waiting on this form,
[redacted]

Thank you for the opportunity to respond to to the consumers complaint. We have reviewed the facts surrounding the complaint. We can confirm that both accounts mentioned by the consumer have been closed. In addition; payments from account ending in [redacted] were applied to account ending in [redacted]....

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 delay. Please feel free to contact us if you have any questions.

Revdex.com:
 
I am not accepting the business response, because it shows in the system when the last time I have called. And first Loan Associates have a log of who I speak with and what the conversation is about. Because 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 happen. I have been misinformed, I am requesting the phone record from my company, to see when did I actually spoke with the rep. But First loan has all of this.
Thank You
[redacted]

Dear [redacted],We have received a copy of the complaint provided to the Revdex.com. First and foremost, we would like to apologize for any inconvenience that you may have experienced with respect to your loan financed by Emporium Pacific Credit Group, LLC. Customer complaints are...

taken very seriously and the opportunity to respond and clarify is appreciated. Upon review of your complaint, we understand that your account was charged for items that were never received. We are glad to confirm that your account has been closed in our system, with all charges reimbursed and no due balances due. Your credit reporting has also been addressed, so no negative information should affect your financial record because of this purchase. Any final questions should be directed to purchasing and origination. To ask a question or make a payment, our offices can be reached at 800-275-3262; MondayFriday from 6:00AM-7:00 PM (PST) and Saturdays from 7:00AM-12:00PM (PST).Sincerely,[redacted]Complaint Resolution Specialist Emporium Pacific Credit Group, LLC

Dear [redacted], Thank you for the opportunity to review and respond to your complaint. We have looked into the details surrounding your complaint. It 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 withdrawal. In 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 3 timesHave you spoken to a representative regarding the $90.00 in insufficient funds feesPlease provide the requested information so that we may investigate your concerns properly.

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.
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.

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

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?

May 13, 2014
[redacted]
[redacted]
[redacted]
 U.S. Certified 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.com. First 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 recently. We 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 (235 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 report. Highlighted 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 loan. The amount listed of $7,595.00 on the financial aid history report matches the amount on the promissory note that was emailed to you per your request on 01/13/2014. 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 again. Per your request we are removing all contact information from our system. Communication 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 877-662-2470. 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

Customer: [redacted] 
Loan #: [redacted]
Service Release Date: October 2014
Upon review of our records it appears that we have been released of our servicing responsibilities to [redacted]'s Private Education Loan. Her loan was transferred...

to [redacted] CREDIT, LLC in October 2014. [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 02/24/2015. Ms. [redacted] advised the
representative that she has been attending school since Fall 2013 and...

would
like her student loan to be placed into an In School Deferment. At this time
Ms. [redacted] loan was already more than 6 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 2014. At anytime Ms. [redacted] could have
contacted our office to go over the In School Deferment qualifications that are
outlined in her promissory note. We 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 default. The demand letter was mailed to
her on 1/12/2015.
 
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
877-662-2470. 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).

The refund details are as follows:Check #[redacted] 12/22/2014Amount: $923.83 FedEx #[redacted] Via overnight DeliveryPlease see the email below that was sent to the consumer today. From: Customer ServiceSent: Monday, December 22, 2014 2:13 PMTo: [redacted]Subject: RE: Reimbursement request for 1 itemHello,Your Refund will be sent over night via Fed-Ex, we apologize for any inconvenience.Sincerely,Customer Service DepartmentFirst Associates Loan Servicing, LLCFax: 888-756-1611Email: [email protected]: www.PrivateLoanServicing.com

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 15 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 7 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 44 years of life. Subsequently, since they service the online school [redacted], 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 700 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 7 year negative account reporting.

Complaint has been received and responded through the Revdex.com Complaint Portal. Please see attachment.   Thank you  We are in receipt of your complaint filed with the agency referenced above. First and foremost we would like to apologize for any inconveniences you may have...

experienced with respect to your [redacted] Private Student Loan.Upon review of your account, we can conclude your account has been closed. Once again we would like to apologize for the delay but we have taken the necessary steps to rectify your account. With that being said, your previous credit reporting will be adjusted accordingly.If you have any questions please feel free to contact our office. 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

The information provided by Credit Karma is inaccurate. Credit Karma is not a Credit Bureau or Credit Reporting Agency. We do not have a reporting relationship with Credit Karma and have never supplied them with any consumer credit data. You must file a formal dispute with Equifax.Thank you.