Hague Quality Water of Wichita

The complainant's desied settlement was finalized on July 6, She was sent the following email from our office on that day: Good afternoon Ms***, I want to make you aware that the full amount of the ASFG/ [redacted] loan - $3,- loan was refunded back to your personal bank account You should see those funds settle in your bank account within the next 24-hours, if they have not arrived already In order for your loan to be cancelled and for you to not have an outstanding balance with ASFG/ [redacted] ***, you will need to make the full payment of $3,within the next daysYou can make that payment to the address listed below Please send a check as soon as possible or the loan will begin accruing interest Payment address: [redacted] Just a reminder: because the loan balance has been refunded to you – you now have a balance on your student account that was previously covered by the ASFG loanThis amount is $2, Please let me know if you have any questions

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear below I still feel he Brandon Was in the wrongHe should had never demanded me to rush thru the process I had asked to read itI want proof that they have removed the loans and repaid back to [redacted] and I have received grants since then and have another grant I will receive after July 1, The amount will be considerably lower than they saidSince original complaint Harrison is now charging me for books that is covered under the $Profram Fees and it shows that's what Program fees are to be forI attend solely online and don't live close to any of their colleges so I use none of their on campus facilitiesAlso I changed majors at beginning of new quarter so was told to return Courts book for refund and was returned thru UPS and still charging me for that book as wellThey keep adding extra chargesAlso when my fafsa was changed by Mr R [redacted] two seoerate times he changed my personal information my dependents in which caused me to qualify for lower amounts on pell grand and federal fininacial aidI kept changing it back to the right info and he would change it againI was married up until May and when I filed my fafsa both times I was still married and claimed on me and my husband taxes and Mr R [redacted] kept changing to which lowered my financial pell gents and financial loansYes I want the ASFG money returned to Bank of Lake and The $charge for getting that loan that was not a Federal LoanI also want the courts book fees removed since it was returned Regards, [redacted] ***

Please see attached letter and exhibit.January 11, Ms [redacted] *** Central Indiana Revdex.com NDelaware Street # Indianapolis, IN 46204-VIA Email Only (via Revdex.com Online Reporting System) Complaint Case #: [redacted] Complainant: [redacted] [redacted] (”Complainant”) Case Opened: 2018-01-Dear Ms***: By way of introduction my name is Michael C [redacted] and I serve as the Chief Compliance Officer for Harrison College, an Indiana-based system of post-secondary education institutions, which has been in business for over yearsWe appreciate the opportunity to respond to this complaint Complainant states that “I have attended Harrison College and completed a few coursesAfter realizing that the school was too expensive for me, I decided to finish out my program at a least expensive schoolWhen I paid to have my transcripts transferred to a community college of choice, I was told that the credits were not accepted and now I owe this school money and can't transfer my credits.” Complainant seeks to have “[her] student loans cleared[because she] was told that the credits would transfer.” Response: Complaint also contends that she was told her credits would transfer without any issueWe have directly spoken with the Enrollment Representative, who handled Complainant’s enrollmentAnd the Representative adamantly denied telling Complainant that credits earned at Harrison would transfer without any issues or making any other sort of misrepresentation about the transferability of her credits earned at Harrison CollegeAll Harrison College Enrollment Representatives in 2017, prior to 2017, and to the present day, are specifically directed during their training to avoid making any misrepresentations about transferability of credits earned at Harrison College; but, rather, to tell a prospective student that transferability of credits earned is completely up to the receiving institutionThis is what the Representative states that she told ComplainantFailure to follow this directive will result in disciplinary action and likely terminationIt should also be noted that the academic catalog in effect at the time Complainant signed an enrollment agreement (December 16, 2016) included the section (which has not changed since): Credit Transfer to Other Colleges It is the responsibility of the students to inquire about the policies and procedures for transfer of credit at the receiving institutionHarrison College will assist by providing documentation of grades earned for any students in good financial standing when requested by the receiving institutionHarrison College cannot guarantee that credits earned through successful completion of courses or credit awarded based-upon documented life experience will transfer to other colleges, as the decision to award transfer credit always rests with the receiving institutionStudents planning to transfer to another post-secondary institution are encouraged to contact that institution for information related to transfer of creditComplainant acknowledged the receipt of the catalog in the attached acknowledgment; please let us know if you would also like a copy of the catalog as wellFaced with these facts Complainant’s allegation that she was the victim of a misrepresentation regarding the transferability of the credits she earned cannot be substantiatedHarrison College followed all of its published procedures in dealing with Complainant’s enrollment; Complainant had access to these written procedures at all times as they appear on the College’s website and in its academic catalogThere is nothing that supports the extraordinary remedy sought by ComplainantPlease let me know if you have any additional questions Cordially, Harrison College Michael C [redacted] General Counsel and Chief Compliance Office

Our response was contained in the letter uploaded on June 9,

We have received a complaint from this individual through our internal complaint system on June 22, which we are curently investigatingSince both complaints are identical we provide the Revdex.com with a copy of our response to the complainant when has been fully investigatedWe expect to have our
investigation completed, and a response drafted, not later than June 30. Thank you

Please see attached materials

Please see the attached response letter.July 6, 2017 Ms. [redacted] Central Indiana Revdex.com  151 N. Delaware Street #2020  Indianapolis, IN 46204-2599 VIA Email Only (via Revdex.com Online Reporting System) Complaint Case #: [redacted] Complainant: [redacted]...

[redacted] Case Opened: 2017-06-21 Dear Ms. [redacted]: By way of introduction my name is Michael C[redacted] and I serve as the Chief Compliance Officer for Harrison College, an Indiana-based system of post-secondary education institutions, which has been in business for over 110 years. We appreciate the opportunity to respond to this complaint.  Complainant states that she had to drop out of Harrison College (she calls this taking leave) prior to completing her program of study and obtaining her bachelor’s in Human Resources. She wants to renter Harrison College and finish her degree but has learned that the program is no longer being offered. She characterizes the situation as a “misrepresentation of education” and wants “acknowledgement of the 24+ credits required” and to be awarded a bachelor’s degree or the “opportunity to complete the final 24 credits.” Complainant states that she doesn’t “want to start over and pay for credits already taken.” Response: 1. Complainant started with Harrison College in the Business Management program, pursuing an Associate’s Degree, on January 13, 2008; she subsequently transferred to the Human Resources program on June 21, 2009. 2. Complainant withdrew following the Spring Quarter 2011 (June 18, 2011) then re-enrolled on January 3, 2012, completed her program of study, and was awarded an AAS degree in Human Resources on June 15, 2012. 3. Complainant enrolled for the Fall 2012 term, to continue her studies and obtain her bachelor’s degree in Human Resources.  4. Complainant needed 82 credits as of the start of 2012 Fall Quarter to finish her bachelor’s degree. By maintaining continuous enrollment, at a full-time pace of 12 credit hours per quarter, she would have graduated in approximately seven quarters, which would have been at the end of the 2014 Summer Quarter. 5. Complainant did not stay continuously enrolled nor did she maintain a full-time schedule: she withdrew from a course in the 2012 Fall Quarter, failed both of her courses in the 2013 Spring Quarter, withdrew from a course in the 2013 Summer Quarter; withdrew from school completely during the 2014 Spring Quarter - then reenrolled for the 2014 Fall Quarter - only to withdraw completely at the end of the 2015 Spring Quarter, while failing both course she was taking that Quarter. Her last date of attendance (LDA) was June 3, 2015. 6. Prior to Complainant’s LDA, Harrison College had already announced that it was no longer enrolling in the Human Resources program. All students then enrolled were given the opportunity to finish the program and obtain their degree, provided they maintained continuous enrollment. 7. At the time of her LDA, Complainant had only a little more than $200 left in federal student loan eligibility and had a balance of over $14,000 on a private loans. Because of these loan balances and her academic difficulties, which largely stemmed from poor attendance, it was decided that Complainant would not be able to enroll for the 2015 Summer Quarter and incur more private loan debt, nor was Harrison College willing to allow Complainant to participate in one of the school’s institutional loan programs given her current situation. 8. Complainant reached out in January 2017 to again inquire about re-enrolling. Because of Complainant’s large loan balances and academic difficulties she was not permitted to enroll. Complainant is correct in stating that she can no longer obtain a bachelor’s degree in Human Resources from Harrison College as that program is no longer offered. Again, the decision involving this program was made and communicated before Complainant’s LDA. Complainant’s reference to “Misrepresentation of Education” is not supported by the facts. Her failure to maintain attendance in her course, and, therefore maintain continuous enrollment in school, cost her the opportunity to finish her bachelor’s degree.  Further, Complainant’s claims about her earned credits are also not accurate. If she were eligible to re-enroll a large portion of the credits she earned would be applicable to a Business program, although she would have still had to take additional courses as that program has different prerequisite courses than the former Human Resources program. Of course this discussion is moot because her financial status renders her ineligible to re-enroll. Harrison College followed all of its published procedures in dealing with Complainant’s enrollment; Complainant had access to these written procedures at all times as they appear on the College’s website and in its academic catalog. There is nothing the College is able to do at this point until Complainant resolves the issues with her loan balances and can demonstrate the ability to maintain consistent enrollment. Please let me know if you have any additional questions.  Cordially, Harrison College

Please see attached letter and exhibit.January 11, 2018 Ms. [redacted] Central Indiana Revdex.com  151 N. Delaware Street #2020  Indianapolis, IN 46204-2599 VIA Email Only (via Revdex.com Online Reporting System) Complaint Case #: [redacted] Complainant: [redacted]...

[redacted] (”Complainant”) Case Opened: 2018-01-08 Dear Ms. [redacted]: By way of introduction my name is Michael C[redacted] and I serve as the Chief Compliance Officer for Harrison College, an Indiana-based system of post-secondary education institutions, which has been in business for over 110 years. We appreciate the opportunity to respond to this complaint.  Complainant states that “I have attended Harrison College and completed a few courses. After realizing that the school was too expensive for me, I decided to finish out my program at a least expensive school. When I paid to have my transcripts transferred to a community college of choice, I was told that the credits were not accepted and now I owe this school money and can't transfer my credits.” Complainant seeks to have “[her] student loans cleared. [because she] was told that the credits would transfer.” Response: Complaint also contends that she was told her credits would transfer without any issue. We have directly spoken with the Enrollment Representative, who handled Complainant’s enrollment. And the Representative adamantly denied telling Complainant that credits earned at Harrison would transfer without any issues or making any other sort of misrepresentation about the transferability of her credits earned at Harrison College. All Harrison College Enrollment Representatives in 2017, prior to 2017, and to the present day, are specifically directed during their training to avoid making any misrepresentations about transferability of credits earned at Harrison College; but, rather, to tell a prospective student that transferability of credits earned is completely up to the receiving institution. This is what the Representative states that she told Complainant. Failure to follow this directive will result in disciplinary action and likely termination. It should also be noted that the academic catalog in effect at the time Complainant signed an enrollment agreement (December 16, 2016) included the section (which has not changed since): Credit Transfer to Other Colleges It is the responsibility of the students to inquire about the policies and procedures for transfer of credit at the receiving institution. Harrison College will assist by providing documentation of grades earned for any students in good financial standing when requested by the receiving institution. Harrison College cannot guarantee that credits earned through successful completion of courses or credit awarded based-upon documented life experience will transfer to other colleges, as the decision to award transfer credit always rests with the receiving institution. Students planning to transfer to another post-secondary institution are encouraged to contact that institution for information related to transfer of credit. Complainant acknowledged the receipt of the catalog in the attached acknowledgment; please let us know if you would also like a copy of the catalog as well. Faced with these facts Complainant’s allegation that she was the victim of a misrepresentation regarding the transferability of the credits she earned cannot be substantiated. Harrison College followed all of its published procedures in dealing with Complainant’s enrollment; Complainant had access to these written procedures at all times as they appear on the College’s website and in its academic catalog. There is nothing that supports the extraordinary remedy sought by Complainant. Please let me know if you have any additional questions.  Cordially, Harrison College Michael C[redacted] General Counsel and Chief Compliance Office

The complainant's desied settlement was finalized on July 6, 2016. She was sent the following email from our office on that day: Good afternoon Ms. [redacted], I want to make you aware that the full amount of the ASFG/[redacted] loan - $3,127 - loan was refunded back to your personal bank account.  You should see those funds settle in your bank account within the next 24-48 hours, if they have not arrived already.  In order for your loan to be cancelled and for you to not have an outstanding balance with ASFG/[redacted], you will need to make the full payment of $3,172 within the next 10 days. You can make that payment to the address listed below.  Please send a check as soon as possible or the loan will begin accruing interest.   Payment address:[redacted]
[redacted]
[redacted] Just  a reminder:  because the loan balance has been refunded to you – you now have a balance on your student account that was previously covered by the ASFG loan. This amount is $2,195.87.  Please let me know if you have any questions.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I still feel he Brandon Was in the wrong. He should had never demanded me to rush thru the process I had asked to read it. I want proof that they have removed the loans and repaid back to [redacted] and I have received grants since then and have another grant I will receive after July 1, 2016. The amount will be considerably lower than they said. Since original complaint Harrison is now charging me for books that is covered under the $900 Profram Fees and it shows that's what Program fees are to be for. I attend solely online and don't live close to any of their colleges so I use none of their on campus facilities. Also I changed majors at beginning of new quarter so was told to return Courts book for refund and was returned thru UPS and still charging me for that book as well. They keep adding extra charges. Also when my fafsa was changed by Mr R[redacted] two seoerate times  he changed my personal information my dependents in which caused me to qualify for lower amounts on pell grand and federal fininacial aid. I kept changing it back to the right info and he would change it again. I was married up until May 2016 and when I filed my fafsa both times I was still married and claimed 2 on me and my husband taxes and Mr R[redacted] kept changing to 1 which lowered my financial pell gents and financial loans. Yes I want the ASFG money returned to Bank of Lake and The $300 charge for getting that loan that was not a Federal Loan. I also want the courts book fees removed since it was returned. 
Regards,
 
[redacted]

We have completed our investigation into the above referenced complaint, in which you allege:I was made to think that the ASFG loan was a federal Grant loan. Brandon rushed me thru it and never gave me time to read what was being initiated. He walked me thru it over the phone and kept saying initial [sic]. Come to find out later it was a [sic] actual regular loan that had to be paid back in monthly payments immediately. I was made to know that being federal it was 6 months after graduation to start paying loans. He knew I was unemployed with no income. He also went into my FAFSA more than once changing in my personal information. I would change it back and then he would go in and make more changes in my FAFSA and toild [sic] me not to change anything on there again. In process I lost Federal and state grants because of him changing it. I did turn that over to a Federal Student Aid Ombudsman Group. I asked Brandon to cancel my ASFG loan and he refused. And[sic] the current Financial Advisor Jamar M[redacted] to cancel my ASFG Loan and return their money. I did not want this loan. He has not responded. I'm now showing late payments on a loan I asked to be canceled and returned and with interest it is over $5,000.Harrison College prides itself on its knowing its students and helping them through obstacles to graduation. We are disappointed to have received this complaint, and to hear that you found your experience with our financial aid team unsatisfactory, however we are unable to substantiate your allegations that you were being "made to think ASFG was a federal grant loan;" and that you lost eligibility for "federal and state grants" because the financial aid team made permitted changes to your FAFSA.In an email from Brandon R[redacted] on March 31, he clearly states that the ASFG loan is from the [redacted]. In fact that email is basically about what steps you can take if you were denied a federal loan (the email is attached). The loan application (also attached) id titled "Private Education Loan" and on top of the form the lender is identified as "[redacted]". Finally, in the Private Loan Application and Solicitation Disclosure (attached, pg2) there is a large title stating "Federal Loan Alternatives" which compares the ASFG loan to federal loans. We are sorry you had a misconception about the ASFG loan program, but given these communications and clear disclosures we unable to determine that we were the source of the misconception.You also allege that changes to your FAFSA resulted in your losing eligibility for Federal and state grants. This is not accurate. First, it is important to note that our financial aid personnel are authorized to update your FAFSA when they receive updated verification information, directly from you, which makes any information appearing on the FAFSA inaccurate. For example, after you completes the FAFSA initially you indicated you were separated but in fact you did not actually get separated until after you applied. The number of people listed in your household actually changed also. When schools receive updated information they are required update the FAFSA.More importantly, not only were the changes authorized and necessary, they in no way impacted your ability to participate in Indiana grant programs or other federal programs. The reason you were ineligible for the state-based grants this year is that you missed the filing deadline back in 2015 (although this year it appears you have timely filed your application); further, you maintain full Title IV eligibility.Despite the fact that our investigation has not disclosed any improper acts or omissions on the part of Harrison College, if you still wish to cancel the ASFG, we can accommodate you and we will even absorb any accrued interest. However, as Mr. R[redacted] pointed out, you will be left with a balance on your account, estimated to be between $2,200 and $2,300 that you will owe. Please let us know how you would like to proceed.If you have further questions, additional information to provide or if we can be of additional assistance please reach out to us the email address from which this letter was sent.Cordially,Harrison College Student Grievance TeamAttachments with email transmission