Great Lakes Higher Education Corporation

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [redacted] 's response: It is true that payments were late to Directs LoansThis is because I WAS NOT CONTACTED and I WAS NOT BILLEDHow can you make a payment if you have not been billed? How can you make a payment if you are not informed who to pay? I supplied proper contact information in addition to my University email to Direct Loans including: personal email, home address and phone number.It seems that Great Lakes simply adopted Direct Loans dysfunction.How is it that Great Lakes can "Adopt" the late payment history from Direct Loans? The effect is that now, BOTH Direct Loan AND Great Lakes show as late payments on my credit history even though there is only one account (mine) involved? This procedure seems analogous to being charged twice for the same crimeWhat happens if Great Lakes sells my loan? Will I then have three late payment history's on my credit history? Ms [redacted] 's assertion that I was contacted by phone and mail is incorrectI have had the same phone number (only 1) for over two years and received no lettersMy provided, personal email address has not changed in yearsI continue to insist that Great Lakes take responsibility for failing to contact me so that I could begin repaymentObviously, it is in Great Lakes interest to be able to add late fees to may accountThose fees were paid and that should be enough (even though I did nothing wrong and was a good faith borrower)MsLatham states in her reply that I was contacted by phone after several monthsAgain, I have had the same phone number and always take my callsIn order to meet their responsibility as lenders, I insist meet their obligation to resolve my credit report (late payments showing) in a timely manner Regards, [redacted] [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted]

September 11, [redacted] ** [redacted] Complaint ID: [redacted] Great Lakes ID: [redacted] Dear Mr [redacted] : Thank you for contacting us on behalf of Ms [redacted] * [redacted] and for providing us the opportunity to further address her concerns about her student loan that is guaranteed by Great Lakes Higher Education Guaranty Corporation (Great Lakes) and serviced by [redacted] Her concern, as we understand it, is her desire to regain her ability for new financial aid to return to school At this point in time Ms [redacted] remains ineligible for new financial aid because of the default status on her student loan account Although her loan(s) guaranteed by Great Lakes are in default, she is able to resolve the default status by rehabilitating her account A borrower may rehabilitate a defaulted loan by making a pre-determined number of consecutive, voluntary, on-time monthly payments The rehabilitation payments must be reasonable and affordable, but should be sufficient to satisfy the outstanding balance on the loan within a 10-year repayment period The successful rehabilitation of Ms [redacted] ’ defaulted loan(s) will result in the following: • Removal of her student loan(s) from default status • Removal of the default status from her credit bureau report/delinquencies reported prior to default will not be impacted • After four consecutive voluntary payments in an approved payment plan, Ms [redacted] would regain her eligibility for new financial aid to return to school [redacted] • Her eligibility for all remaining periods of deferment or forbearance *Although Ms [redacted] had made payments via Administrative Wage Garnishment from September 23, until April 18, these payments were involuntary and thus do not qualify her for new federal student loans In order for Ms [redacted] to find out more on the rehabilitation process she should contact her account representative at ###-###-#### [redacted] It is important for Ms [redacted] to understand that she will remain responsible for the collection fees should she decide to rehabilitate her loans We sincerely apologize for the frustration Ms [redacted] has experienced with the entire default process and we hope this information will be helpful to her If you require future assistance from our office, you can reach us between 8:am and 4:pm Monday through Friday at ###-###-####, or by email at [redacted] Sincerely, [redacted]

September 11, Bradley [redacted] Lead Trade Practice Consultant Revdex.com of Wisconsin [redacted] ** [redacted] Complaint ID: [redacted] Great Lakes ID: [redacted] Dear Mr [redacted] : Thank you for contacting us on behalf of Mr [redacted] and for providing us the opportunity to address his additional concerns in regard to Great Lakes’ past credit reporting As stated in our previous correspondence, Mr [redacted] ’s account was reviewed to verify that the delinquency reported to the national Credit Reporting Agencies (CRAs) in May, was accurateHowever, we made a one-time courtesy adjustment and instructed the following Credit Reporting Agencies (CRAs) to remove the delinquency from his payment history: Experian, Equifax, TransUnion and Innovis Hopefully the CRAs will promptly display these changes to his credit filesEach individual agency determines when the adjusted data will display on a consumer’s credit file If Mr [redacted] feels there is a discrepancy with reporting that was done by DLSS/ACS, he may wish to file a dispute with the CRAs as DLSS/ACS’ offices are now closedGreat Lakes is not authorized to make changes to credit reporting done by a different student loan servicer nor should our reporting overlap with the previous servicers reporting Great Lakes began reporting Mr [redacted] ’s account as of the same month we began servicing his account, May DLSS/ACS did make arrangements and set parameters for the handling of any disputes with the CRAs prior to closing their office Mr [redacted] ’s lender, the U.SDepartment of Education, does not charge late feesOur records confirm that neither Great Lakes nor DLSS/ACS have assessed any late charges to Mr [redacted] ’s account If Mr [redacted] has any additional questions or concerns, he may contact our Borrower Services Department at ###-###-####, or by email at [redacted] Sincerely, [redacted]

September 12, [redacted] ** [redacted] Complaint ID: [redacted] Great Lakes ID: [redacted] Dear Mr [redacted] : Thank you for contacting us on behalf of Mr [redacted] and for providing us the opportunity to address his concern in regard to the processing of his Teacher Loan Forgiveness (TLF) application I sincerely apologize to Mr*** for the frustration he experienced during his communications with Great LakesGreat Lakes takes pride in providing quality customer service and we appreciate the opportunity to provide any necessary feedback and training Our records confirm that Mr***’s TLF application was received on June 5, Once a TLF application is received, it may take up to six weeks for Great Lakes to review the application for eligibility and accuracyFor loans held by the U.SDepartment of Education (ED), such as Mr ***’s, Great Lakes is required to forward TLF applications to ED for final approval once it has been fully processed Despite the additional time required by ED for their approval process, the TLF payment will be applied as of the date the application is forwarded, provided the TLF is approved On June 18, 2014, Mr***’s TLF application was initially approved by Great Lakes in the amount of $17,Great Lakes concluded our review of Mr***’s TLF application on July 14, 2014, and we forwarded his application to ED for final approval on July 17, On September 9, 2014, we received ED’s approval of Mr ***’s TLF application for the amount of $17,The forgiveness payment was applied towards his account as of July 17, and his account now reflects as paid in full Since the TLF payment was applied as of July 17, 2014, Mr***’s July 31, payment of $resulted in an overpayment of $ Therefore, he will be receiving a refund from the U.STreasury for that amount within to days I hope that Mr [redacted] finds this information helpful and encourage him to contact our Borrower Services Department at ###-###-####, [email protected], or the address below with any additional questions or concerns he may have: Great Lakes [redacted] Sincerely, [redacted] Great Lakes Educational Loan Services Inc

August 29,
*** ***
*** *** *** ***
*** *** *** ** ***
*** * *** *** ***
*** ** ***
Complaint ID: ***
Great Lakes ID: ***
Dear
Mr***:
Thank
you for contacting us on
behalf of Mr*** *** and for providing us the
opportunity to address his concerns in regard to Great Lakes’ past credit
reporting
The
Higher Education Act of 1965, as amended, requires that Great Lakes report the
status of all serviced accounts to the national Credit Reporting Agencies
(CRAs). Additionally, the Fair Credit
Reporting Act, as amended, requires Great Lakes to report this information
accurately and objectivelyWe are audited to ensure our compliance with these
requirements
Upon
receiving Mr***’s request for a credit report reassessment, we
re-evaluated his account and the data reported to ensure no errors were made
that would lead to, or result in, inaccurate delinquency reporting (such as
misapplication of payments).
Mr
***’s Stafford loan account transferred to Great Lakes for servicing on May
22, At the time of transfer, Mr***’s demographic information,
including his mailing address and phone number, were provided to Great Lakes by
his previous servicer, Direct Loan Servicing Center (DLSS/ACS)
As
of May 22, 2013, Mr***’s account was days delinquentTwo letters were
sent to the mailing address listed for Mr*** on this date: a welcome
letter and a delinquency noticeIn addition to the letters mailed to Mr
***, Great Lakes attempted to contact him by phone multiple times prior to
reporting his account as delinquent to the Consumer Reporting Agencies (CRAs)
On
June 17, 2013, Mr*** was successfully reached via the phone number listed
for his accountThe following day, Mr*** updated his mailing address and
made a payment via our website, mygreatlakes.org
While
we commend Mr*** for making a payment to bring his account current, it has
been concluded that Great Lakes’ prior credit reporting is accurate and we are
unable to remove the past adverse credit reporting from his credit history
Although
we are unable to grant Mr***’s request, Myfico.com indicates that
individuals who were delinquent in the past are able to improve their FICO
score by paying their loans on time, and the longer an individual pays on time,
the more their FICO score should increase
I
hope the information provided is helpful to Mr***If he has any questions
or concerns he may contact our Borrower Services Department at (800) 236-4300,
[email protected], or the address below:
Great Lakes
** *** ***
*** ** ***
Sincerely,
*** ***
*** *** *** ***
Great
Lakes Educational Loan Services Inc

September 5,
*** ***
*** *** *** ***
*** *** *** ** ***
*** * *** *** ***
*** ** ***
Complaint ID: ***
Great Lakes ID: ***
Dear
Mr
***:
Thank
you for contacting us on behalf of Ms*** *** and for providing us the
opportunity to address her concern in regards to the phone calls she is
receiving via her cell phone, after she has requested that Great Lakes no
longer call her cell phone
I apologize if Ms*** finds our calls
frustrating. However, it is important for
her to understand that when we contact her regarding her past due student loan,
we are trying to help.
The
federal regulations governing the Federal Family Education Loan Program (FFELP)
require that we contact borrowers after their account(s) becomes past due
Additionally, we are only required to obtain consent to call a cell phone
number when calling via an autodialing system, which we are not utilizing
during our phone attempts to Ms***
Ms
***’s account is currently $past due since August 18, If Ms
*** is currently unable to make her monthly payment by her payment due date,
she may request that her due date be changed once her account is currentA due
date change request may be submitted at our website or by contacting our
Borrower Services Department at the phone number below
Ms***’s
Promissory Note states that she must notify her servicer of certain changes,
such as a change in telephone numberIf Ms***’s phone number has recently
changed, she may update her phone number at our website, mygreatlakes.org, or
by contacting our Borrower Services Department at the phone number belowIf
Ms***’s phone number has not recently changed, and she does not have an
alternative, valid phone number, Great Lakes would be unable to remove her
phone number from her account
I
apologize for the frustration Ms*** has experienced, and encourage
her to contact our Borrower Services
Department at ###-###-####, ***, or the address below
with any additional questions or concerns she may have:
Great Lakes
** *** ***
*** ** ***
Sincerely,
*** ***
*** *** ***
Great
Lakes Educational Loan Services Inc

September 11, 2014
Bradley [redacted]
Lead Trade Practice Consultant
Revdex.com of Wisconsin
[redacted] [redacted]
[redacted]  [redacted]
Complaint ID:   [redacted]
Great Lakes ID: [redacted]
Dear
Mr. [redacted]:
Thank
you for contacting us on behalf of Mr. [redacted] and for providing us the
opportunity to address his additional concerns in regard to Great Lakes’ past
credit reporting.
As
stated in our previous correspondence, Mr. [redacted]’s account was reviewed to
verify that the delinquency reported to the national Credit Reporting Agencies (CRAs)
in May, 2013 was accurate. However, we made a one-time courtesy adjustment and
instructed the following Credit Reporting Agencies (CRAs) to remove the
delinquency from his payment history: Experian,
Equifax, TransUnion and Innovis.  Hopefully
the CRAs will promptly display these changes to his credit files. Each
individual agency determines when the adjusted data will display on a
consumer’s credit file.
  
If
Mr. [redacted] feels there is a discrepancy with reporting that was done by DLSS/ACS,
he may wish to file a dispute with the CRAs as DLSS/ACS’ offices are now
closed. Great Lakes is not authorized to make changes to credit reporting done
by a different student loan servicer nor should our reporting overlap with the
previous servicers reporting.  Great
Lakes began reporting Mr. [redacted]’s account as of the same month we began
servicing his account, May 2013. DLSS/ACS did make arrangements and set
parameters for the handling of any disputes with the CRAs prior to closing
their office.
Mr.
[redacted]’s lender, the U.S. Department of Education, does not charge late fees. Our
records confirm that neither Great Lakes nor DLSS/ACS have assessed any late
charges to Mr. [redacted]’s account.
If Mr. [redacted] has any
additional questions or concerns, he may contact our Borrower Services
Department at ###-###-####, or by email at [redacted].
Sincerely,
[redacted]
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[redacted]'s response:
It is true that payments were late to Directs Loans. This is because I WAS NOT CONTACTED and I WAS NOT BILLED. How can you make a payment if you have not been billed? How can you make a payment if you are not informed who to pay? I supplied proper contact information in addition to my University email to Direct Loans including: personal email, home address and phone number.It seems that Great Lakes simply adopted Direct Loans dysfunction.How is it that Great Lakes can "Adopt" the late payment history from Direct Loans? The effect is that now, BOTH Direct Loan AND Great Lakes show as late payments on my credit history even though there is only one account (mine) involved? This procedure seems analogous to being charged twice for the same crime. What happens if Great Lakes sells my loan? Will I then have three late payment history's on my credit history?
 Ms. [redacted]'s assertion that I was contacted by phone and mail is incorrect. I have had the same phone number (only 1) for over two years and received no letters. My provided, personal email address has not changed in 10 years. I continue to insist that Great Lakes take responsibility for failing to contact me so that I could begin repayment. Obviously, it is in Great Lakes interest to be able to add late fees to may account. Those fees were paid and that should be enough (even though I did nothing wrong and was a good faith borrower). Ms. Latham states in her reply that I was contacted by phone after several months. Again, I have had the same phone number and always take my calls. In order to meet their responsibility as lenders, I insist meet their obligation to resolve my credit report (late payments showing) in a timely manner. 
Regards,
[redacted]
 
 
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

September 11, 2014
 
 
[redacted]
 
 
 
Complaint ID: [redacted]
Great Lakes ID: [redacted]...


 
Dear
Mr. [redacted]:
 
Thank
you for contacting us on behalf of Ms. [redacted] and for providing us
the opportunity to further address her concerns about her student loan that is
guaranteed by Great Lakes Higher Education Guaranty Corporation (Great Lakes)
and serviced by [redacted]. Her concern, as we understand it, is her
desire to regain her ability for new financial aid to return to school.
 
At
this point in time Ms. [redacted] remains ineligible for new financial aid because
of the default status on her student loan account.
 
Although
her loan(s) guaranteed by Great Lakes are in default, she is able to resolve
the default status by rehabilitating her account.  A borrower may rehabilitate a defaulted loan
by making a pre-determined number of consecutive, voluntary, on-time monthly
payments.  The rehabilitation payments
must be reasonable and affordable, but should be sufficient to satisfy the
outstanding balance on the loan within a 10-year repayment period.  The successful rehabilitation of Ms. [redacted]’
defaulted loan(s) will result in the following:
 
•           Removal of her student loan(s) from
default status
•           Removal of the default status from her
credit bureau report/delinquencies reported prior to default will not be
impacted.
•           After four consecutive voluntary
payments in an approved payment plan, Ms. [redacted] would regain her eligibility
for new financial aid to return to school*
•           Her eligibility for all remaining
periods of deferment or forbearance
 
*Although
Ms. [redacted] had made payments via Administrative Wage Garnishment from
September 23, 2008 until April 18, 2014 these payments were involuntary and
thus do not qualify her for new federal student loans.
 
 
In
order for Ms. [redacted] to find out more on the rehabilitation process she should
contact her account representative at   ###-###-####.
 
 
*
It is important for Ms. [redacted] to understand that she will remain responsible
for the collection fees should she decide to rehabilitate her loans. 
 
 We sincerely apologize for the frustration Ms.
[redacted] has experienced with the entire default process and we hope this
information will be helpful to her.  If
you require future assistance from our office, you can reach us between 8:00 am
and 4:30 pm Monday through Friday at ###-###-####, or by email at [redacted]. 
 
Sincerely,
 
[redacted]

September 12, 2014
 
 
[redacted]
 
 
 
Complaint ID: [redacted]
Great Lakes ID:...

[redacted]  
 
Dear
Mr. [redacted]:
 
Thank
you for contacting us on behalf of Mr. [redacted] and for providing us the
opportunity to address his concern in regard to the processing of his Teacher
Loan Forgiveness (TLF) application.
 
I
sincerely apologize to Mr. [redacted] for
the frustration he experienced during his communications with Great Lakes. Great
Lakes takes pride in providing quality customer service and we appreciate the opportunity to
provide any necessary feedback and training.
 
Our records confirm that Mr. [redacted]’s TLF application was
received on June 5, 2014. Once a TLF application is received, it may take up to
six weeks for Great Lakes to review the application for eligibility and
accuracy. For loans held by the U.S. Department of Education (ED), such as Mr.
[redacted]’s, Great Lakes is required to forward TLF applications to ED for final
approval once it has been fully processed. 
Despite the additional time required by ED for their approval process,
the TLF payment will be applied as of the date the application is forwarded,
provided the TLF is approved.
 
On June 18, 2014, Mr. [redacted]’s TLF application was
initially approved by Great Lakes  in the
amount of $17,500. Great Lakes concluded our review of Mr. [redacted]’s TLF
application on July 14, 2014, and we forwarded his application to ED for final
approval on July 17, 2014.
 
On September 9, 2014, we received ED’s approval of Mr.
[redacted]’s TLF application for the amount of $17,500. The forgiveness payment was
applied towards his account as of July 17, 2014 and his account now reflects as
paid in full.
 
Since the TLF payment was applied as of July 17, 2014,
Mr. [redacted]’s July 31, 2014 payment of $170 resulted in an overpayment of $40.98.
Therefore, he will be receiving a refund from the U.S. Treasury for that amount
within 30 to 45 days.
 
 
I
hope that Mr. [redacted] finds this information helpful and encourage him to contact
our Borrower Services Department at ###-###-####, [email protected],
or the address below with any additional questions or concerns he may have:
 
Great Lakes
[redacted]
 
Sincerely,
 
[redacted]
Great
Lakes Educational Loan Services Inc.

I was not entirely sure how this works but I heard Spy Stealth is good at helping people with their credit scores in all honesty I could slowly work on my score myself, but the eviction I had on my account was seriously hurting me. I was living with a room mate who's brother will be moving in by May which means I had to move. I didn’t want to live in hotels anymore I just wanted to be able to get my own place...As I speak, Spy Stealth got rid of all negative listings and eviction on my credit at a reasonable price. Thanks to him, I can’t imagine what my life would have been If I had not met him. And for those interested in his services, his email address is spystealth . org @ gmail . com.

Finally signed up.... And the site is unable to provide me with any account info at this time... Not cool

They call me 4-5 times within a few weeks, I usually finally answer. They ALWAYS ask for contact information of the person who had my cell phone # before me (I've had this # for 6 years). Someone I have no info on. I've told them this multiple times, they've told me multiple times that they'll take me off their list. Yet the next year they call me multiple times until I answer, AGAIN, I tell them the same info, AGAIN. They aren't a scammer, but they use less than truthful tactics. They're a nuisance! I'm disappointed to see that the Dept. of Education uses this company.

How is one to know how to make a payment PAYABLE to if it does NOT appear after looking for an hour.
Do I use: Great Lakes Loans
Dept. of Education
Stafford Loans
OR To Whom it May Concern?
Stupid website. I want to make a payment on behalf of a STUDENT. It only took three das to identify a MASTER ACCOUNT number and, after two hours, NO LUCK finding CHECK PAYABLE TO info. No wonder our college graduates work at McDonald's. At least they can identify a hamburger.

I would highly advise against doing business with Great Lakes Higher Education Corporation. This is a company that benefits from govt imposed monopoly and operates as a mutt of a loan shark operations and the DMV. Never mind that their fixed loan rates are way above the national norm--justify it by offering forbearance etc at huge cost--catering to fear of loosing your jobs etc--when it comes to ethics and problem solving they are a disgrace.
Prior to sending them a check to pay off the entire balance of 51K, I contacted GL to ensure that:
-They are aware of a final payment coming
-I know what would happen if the payment arrives before my due date
-I know what happens if my check is more than the balance I owe at that moment
-Ensure that my auto payment will not be pulling out money if have a balance of zero
After informing the rep, that my payment is on the way I was told the following answers
If payment arrives before due date
autopay will cancel immedietly, no need to cancel plus
only the right ammopunt will be accepted.
Today, GL accepted a check that included a 700 dollar overpay a day before my due date, deducted 650 dollars from autopay. When asked, I was told, we cash checks that cover ballance that can be a week old, not at the time of payment. Our autopay actually pull fund from accounts 5 pm a day before due date. And now that we owe you money it takes 4 weeks to make a refund . Never mind the incompetency, GL effectively using your money interest free for overnight, than reserve the right to keep you fund using it interest free for another 4 weeks. This is illegal GL, I know this thanks to my MBA and decades working in finance.

Review: I am currently still enrolled full time at school until the end of May 2014. I should not be liable for any interest incurred, due to a billing error on part of Great Lakes Higher Education Corporation. If the company was notified by my school that I was no longer full time, I would like to see proof of the communication that was provided by the school indicating my ineligibility for deferment. I recently received an auto-generated email indicating my updated enrollment information and would like confirmation that this issue has been resolved by the school already, and do not require further input from me.Desired Settlement: I would like the billing issue resolved, any interest and fees incurred should be null and void, and my deferment period reinstated to the end of May 2014. In addition the grace period should not be affected due to the result of this billing issue.

Business

Response:

Review: I am a [redacted]. My 2010 graduate loan account was handled by Direct Student Loan Services. Per DSL, I applied for Deferment because I am a full-time PhD student. I submitted to DSL all the required forms from my school here in the Philippines where I have been enrolled since June 2011. No reply from DSL. I discontinued my automatic payments February 2013. I received email from Great Lakes (GL) that they are now handling my account and told me to send payments to them. I told them I was applying to DSL for Deferment. GL said they had no record of my account yet they are asking me for payment. I called GL from the Philippines 3 times with long waiting times. They told me to send them a Deferment application which I did again. They also told me to file for a Forbearance while I was waiting for GL to process my Deferment which I also did. Then GL emailed me that my Forbearance will end in October and I have to begin payments. I asked about the status of my Deferment. They say they have no information on my account and keep telling me to send them personal information: my SSN, GL ID#, BD, via email. I'm afraid to send them any more personal info. It's like someone is trying to get personal information from me. It doesn't make sense that GL keeps saying they have no information on my account but at the same time keep asking me to send them money. They were asking for information that was already included in the chain of emails we were sending back and forth. All they had to do was scroll down the emails. It was like they didn't have access to that chain of emails. However, each reply was generated from the previous email. I am unable to pay at this time while I am a student but I am not receiving any help from GL who also keep sending me information that I can apply for a Deferment! I told them in my last email that I would be reporting them to the Revdex.com.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want Great Lakes to process my Deferment application right away which I have already sent twice since February to DSL and to GL. I want my Deferment application processed before my Forbearance runs out in October as they said they would do. I do not want to send GL any more of my personal information via the email. They already have plenty of information on me: my full name and address, SSN, Great Lakes ID#, telephone number, mobile number, em

Business

Response:

[redacted]

Revdex.com of Wisconsin

Milwaukee WI 53214

Complaint ID [redacted]

Great Lakes ID [redacted]

Dear Mr. [redacted]:

Thank you for contacting us on behalf of [redacted] and for providing us the

opportunity to address her concerns regarding her request for School Deferment and being

asked to verify personal information when she contacts us.

I sincerely apologize to Ms. [redacted] for the frustration she experienced during her

communications with Great Lakes. We take pride in providing exceptional customer service, and

we appreciate the opportunity to learn of new ways we can improve. We value our customer

feedback and use it to provide additional feedback and training for our staff.

After reviewing Ms. [redacted] account, we show her School Deferment application was received

on July 24, 2013, however, we were unable to approve her request because section 4 of the

form was not completed by the school she is attending.

To qualify for an In-School Deferment, Ms. [redacted] needs to be attending an eligible school at

least half-time. Eligibility is determined each year by the United States Department of Education.

Ms. [redacted] will need to check with the registrar’s office at her school to see if they have the

six-digit school code assigned to them by the United States Department of Education and have

been determined to be an eligible school this year.

If the school Ms. [redacted] is attending is an eligible school, she will need to have them provide

verification of her enrollment. She needs to be sure the letter they provide is in English, on the

school letterhead, and includes the following:

- Borrower’s full name and social security number.

- Whether Ms. [redacted] is full-time or half-time for the term.

- The beginning and ending dates of the term.

- Her anticipated graduation date.

- The school’s six-digit school code.

- An authorized school official’s signature.

This information can be sent to the following address:

I also understand that it can be frustrating to Ms. [redacted], when she calls or emails us, and we

ask that she verify personal information. We are required, by federal regulations, to verify

specific account information with all customers before we can disclose any information

regarding their account.

I again apologize for the frustration Ms. [redacted] experienced. Moving forward, I am confident

that Great Lakes will be able to meet all of her customer service expectations. Ms. [redacted]

should feel comfortable to contact our Borrower Services Department at ###-###-#### with

any additional questions or concerns regarding the repayment of her loan.

Sincerely,

Review: Hi, I dont understand some things. I would like to complain about a so called new borrower for my student loan account. Im trying to figure how did this potential borrower obtained my personal information including my parents phone number. I have not had any kind of feed-back from my present student loan holder stating that their is a new student loan holder taking place of my student loans As I am in my deferment period at this present time. I have been harrassed only by emails from Great Lakes, and just recently, my home address. I have now experienced that the supposed new student loan holder, who is Great Lakes, is now calling my parents residents when I have never given the past loan holder any information in regards to my parents and thier phone number. I am not in default on my student loans and I am presently in my deferment period. This supposed new holder also mentioned that they were just a job-placement center and that the information the that I supposedly provived to them was wrong and that they ewere trying to get in touch with me about giving them the new and correct information. I have never given any company, Great Lakes or any other establishment my personal information since May of 2006. The Month of Year 2007 is when I decided not give my personal information to any one because in the year 2006, I was informed that I my name and personal information was involved in a Identity theft ring.Desired Settlement: I would Like Great Lakes to stop harrassing my family and I. If I can recieve some information on this firm on honest ground that they are a ligitimate business and that my past loan carrier would contact me to confirm that Great Lakes is my new loan holder, then all can be worked on.

Business

Response:

Revdex.com of Wisconsin

Complaint ID [redacted]

Dear Mr. [redacted]:

Thank you for contacting us on behalf of [redacted] and for providing us the

opportunity to address his concerns in regard to his student loans that were transferred

to Great Lakes to be serviced.

I sincerely apologize to Mr. [redacted] for the frustration he has experienced with his loan

transfer. We take pride in providing exceptional customer service, and we value our

customer feedback and use it to provide additional feedback and training for our staff.

Mr. [redacted]’s student loans were transferred to Great Lakes on March 13, 2013, and a

letter was sent to Mr. [redacted] on March 14, 2013 advising him of the transfer.

I am happy to advise that Mr. [redacted]’s concerns were address when he spoke with a

Great Lakes representative on October 7, 2008.

I again apologize for the frustration Mr. [redacted] experienced. Moving forward, I am

confident that Great Lakes will be able to meet all of his future customer service

expectations. Mr. [redacted] should feel comfortable to contact our Borrower Services

Department at ###-###-#### with any additional questions or concerns regarding the

repayment of his loan.

Sincerely,

Review: This company is evidently a servicer for education loans. Once we figured out that the alleged charges were the result of credit fraud, we began making efforts to get the necessary documentation requested to dispute loan and put this behind us. It has now been over 2 years of back and forth and run around. During the same period our electric utility company was also taken by an individual residing at the same address used for this student loan fraud. However, after filing the required police report, providing bills showing we have not lived within a 100 miles the other address, and filling out an affidavit, the electric company put it to bed within 90 days.

Now after jumping though every conceivable hoop, their position is that we have not done enough and we need to go hire a "certified handwriting analyst" - at our own expense - to prove I did not sign the loan agreement. I can guarantee you that they didn't spend 10 seconds analyzing these signatures, because the signer did not even use my actual name, it was misspelled!

My 10 year old and I looked at the signatures provided (finally, it’s taken 2 years just to get something in writing from the original paperwork) and can easily see at least 4 discrepancies between the signatures – not including the fact that the thief misspelled my name! It doesn’t begin to rise to the level of needing a professional handwriting analyst.

I am thinking that Great Lakes is just being obtuse because they have someone they can harass into paying them something. They know if they did the right thing and gave more than lip service to the “required” efforts to correct credit fraud, they will probably wind up writing off the bad debt.Desired Settlement: Remove me from the obligated party, leave me alone, and go after prosecuting the criminal whose address they have!

Business

Response:

[redacted]

Revdex.com of Wisconsin

10101 W Greenfield Ave #125

Milwaukee WI 53214

Complaint ID [redacted]

Great Lakes ID [redacted]

Dear Mr. [redacted]:

Thank you for contacting us on behalf of [redacted] and for providing us the opportunity to

address her concerns in regard to the student loans that were taken out under her name.

I sincerely apologize to Ms. [redacted] for the frustration she experienced during communications

with Great Lakes. We take pride in providing exceptional customer service and we value our

customer feedback.

We have thoroughly investigated this matter pursuant to prescribed federal regulations. Our

investigation showed that there was a greater likelihood that Ms. [redacted] was responsible for

this debt than not. Therefore, Ms. [redacted] was provided with steps that she is required to take to

continue her dispute, which includes appealing our decision with the U.S. Department of

Education, obtaining a hand writing analysis, or obtaining a court conviction conclusively

showing that she was a victim of identity theft.

We will be happy to continue the investigation once the requested information is provided by

Ms. [redacted].

I again apologize for the frustration Ms. [redacted] experienced. Ms. [redacted] should feel

comfortable to contact our Borrower Services Department at ###-###-#### with any additional

questions or concerns regarding the repayment of her loan.

Sincerely,

Consumer

Response:

Review: I wet to a college and found out that it was not credited so I withdrew myself out of it and found out that even after I was not enrolled they were still taking money out for financial aid and now this company is harassing me about money that I do not feel I should have to pay and not only that they are charging me over $1700.00 in finance charges and that is just out of control crazy right there. I do not feel that I should have to pay for something that I can not use in the future if I chose to expand my education.Desired Settlement: DesiredSettlementID: Refund

settle all of my school loans that I have with this company so the debt is no longer there. I do not want to have anything to do with this if I was unable to use these credits for future use.

Business

Response:

July 21, 2014