Complaint: [redacted]
I am rejecting this response because:The company was misleading about their services, which I sent proof of in my complaint. Their paperwork mentions "enrollment fees" for free federal loan programs. I did not know the programs were free to apply for on my own and the paperwork led me to believe I had to pay to enroll in them. What isn't nice is that this company charged me upfront in violation of debt relief laws and also misled me into paying for a service I could have done for free on my own. I again request that they refund me due to deceptive misrepresentations that, had I known there were no "enrollment fees" for free federal programs, I would not have signed up for at all. I have also filed a complaint with the Consumer Financial Protection Bureau. The issue here is the misrepresentations that were made to me - which I sent in with my original Revdex.com complaint.
Sincerely,
[redacted]
This is a formal reply to the complaint received by the Revdex.com regarding Ms. [redacted]. Our company provides professional document preparation for various applications to the DOE (Department of Education). Our website, www.intimefinancial.com states the following "In Time FinancialSL is not a...
Government agency, nor is it affiliated with any Government agencies. You may obtain one of the Department of Education’s repayment programs on your own without In Time Financials assistance. We are here to prepare ALL your documentation and to assist you through the entire process of your Student Loan Relief Program Filing. In Time FinancialSL’s goal is to make the documentation prep process as easy and proficient as possible". All our clients are received by inbound phone calls. Ms. [redacted] phoned us and engaged our doc prep services. After an extensive phone consultation, Ms. [redacted] received an emailed contract outlining the the document preparation services, a fee schedule, and an authorization to access her student loan data to prepare the proper forms. Ms. [redacted] reviewed and electronically signed and entered into our contract and freely engaged our services. Our calls are recorded for quality assurance, training purposes, compliance, and cases such as this. I reviewed the recorded calls and I must note that on Ms. [redacted]'s initial contact with my agent, she disclosed she had already engaged another doc prep company ([redacted]) who was charging her twice our price and she wanted to cancel their services because they were charging her too much. She then proceeded to engage our services for a lower fee. I would not be surprised if she has written a complaint for them as well. All our clients come from inbound phone calls. We do not dial out. Our website is clear about what we do. My agents are clear about what we do. My contract is clear about what we do. Ms. [redacted] had agreed to three payments of $125 for our service. Our policy is to ship the forms after we have received the first payment. It is a policy that is not without risk. We must rely on the client to live up to the payment agreement because we have already provided the service before the remainder of payments are made. In most cases, the DOE has processed their forms and they are receiving the benefits before the remainder of our payments are made. Why do we do this? Because we know that our honest approach leaves no room for any misunderstanding and we believe in what we do! It is clear that [redacted] received my services and just doesn't want to pay. She also indicated on her initial phone call she did not want to pay [redacted] either. The fact is that after Ms [redacted] made here first payment, we mailed her the DOE forms, completely filled out with her loan data, along with pre-addressed postage paid envelopes. She inevitably signed a contract, agreed to pay for our services, made one payment, received my docs, submitted them to the DOE, then disputed the one payment she made and wrote you. Not nice.
Complaint: [redacted]
I am rejecting this response because:The company was misleading about their services, which I sent proof of in my complaint. Their paperwork mentions "enrollment fees" for free federal loan programs. I did not know the programs were free to apply for on my own and the paperwork led me to believe I had to pay to enroll in them. What isn't nice is that this company charged me upfront in violation of debt relief laws and also misled me into paying for a service I could have done for free on my own. I again request that they refund me due to deceptive misrepresentations that, had I known there were no "enrollment fees" for free federal programs, I would not have signed up for at all. I have also filed a complaint with the Consumer Financial Protection Bureau. The issue here is the misrepresentations that were made to me - which I sent in with my original Revdex.com complaint.
Sincerely,
[redacted]
This is a formal reply to the complaint received by the Revdex.com regarding Ms. [redacted]. Our company provides professional document preparation for various applications to the DOE (Department of Education). Our website, www.intimefinancial.com states the following "In Time FinancialSL is not a...
Government agency, nor is it affiliated with any Government agencies. You may obtain one of the Department of Education’s repayment programs on your own without In Time Financials assistance. We are here to prepare ALL your documentation and to assist you through the entire process of your Student Loan Relief Program Filing. In Time FinancialSL’s goal is to make the documentation prep process as easy and proficient as possible". All our clients are received by inbound phone calls. Ms. [redacted] phoned us and engaged our doc prep services. After an extensive phone consultation, Ms. [redacted] received an emailed contract outlining the the document preparation services, a fee schedule, and an authorization to access her student loan data to prepare the proper forms. Ms. [redacted] reviewed and electronically signed and entered into our contract and freely engaged our services. Our calls are recorded for quality assurance, training purposes, compliance, and cases such as this. I reviewed the recorded calls and I must note that on Ms. [redacted]'s initial contact with my agent, she disclosed she had already engaged another doc prep company ([redacted]) who was charging her twice our price and she wanted to cancel their services because they were charging her too much. She then proceeded to engage our services for a lower fee. I would not be surprised if she has written a complaint for them as well. All our clients come from inbound phone calls. We do not dial out. Our website is clear about what we do. My agents are clear about what we do. My contract is clear about what we do. Ms. [redacted] had agreed to three payments of $125 for our service. Our policy is to ship the forms after we have received the first payment. It is a policy that is not without risk. We must rely on the client to live up to the payment agreement because we have already provided the service before the remainder of payments are made. In most cases, the DOE has processed their forms and they are receiving the benefits before the remainder of our payments are made. Why do we do this? Because we know that our honest approach leaves no room for any misunderstanding and we believe in what we do! It is clear that [redacted] received my services and just doesn't want to pay. She also indicated on her initial phone call she did not want to pay [redacted] either. The fact is that after Ms [redacted] made here first payment, we mailed her the DOE forms, completely filled out with her loan data, along with pre-addressed postage paid envelopes. She inevitably signed a contract, agreed to pay for our services, made one payment, received my docs, submitted them to the DOE, then disputed the one payment she made and wrote you. Not nice.