JGM Asian Market Inc.

RE: Complaint Case # ***Dear ***,First and foremost, we thank the Revdex.com (Revdex.com) for the opportunity to investigate and responded to the individual's concerns.On September 21, 2014, Coast's client *** *** ** *** *** *** ***, managed and serviced
by *** *** ***place a defaulted federal student loan in our office in the name of the consumer for collection.In September, the consumer contacted Coast and requested copies of her promissory notes and a statement of her accountCoast complied with her request by obtaining the information from our client and mailing the documents received to herIn addition, the consumer was provided with information on how to locate any other outstanding loans she may haveWe must reiterate that the consumer did receive a copy of her executed promissory notes, which explicitly outlines the ramifications of defaulting on the loanBalance in full immediately becomes due when a loan has escalated to a defaulted status, and any voluntary payment options given to the consumer, other than balance in full, are strictly a courtesy Additionally, as set forth in the consumer's promissory note, once the loan becomes delinquent the consumer becomes.responsible for all collection costs and interest added to the loan.Coast_has followed all Federal and State laws in connection with the collection of the consumer's loanWith regard to the consumer's concerns regarding being contacted at her place of employment, a Coast representative did contact her at work in September, At that time, the consumer did requested Coast cease contact with herAn internal investigation foundno substantiation to her claims of misrepresentation and harassment on the part of Coast representatives during that call.Currently, the consumer's account remains in our office in an active administrative wage garnishment status; however,the consumer did reopen communications with our office and has elected to participate in a loan rehabilitation program by making monthly payments on top of her garnishment payments on January 4, 2016.We understand the consumer's concerns and take them seriouslyOur goal is to work with the consumer to find anamicable solution to her obligationSincerely,Wendy ** *** Regulatory Manager

On January 27, 2016, the consumer contacted Coast and spoke with a representative about the Loan Rehabilitation ProgramThe consumer was pre-approved for monthly qualifying payments of $10.56, pending Proof of Income (POI) required for approval by our clientThe consumer contacted Coast again on
January 28, to complete his enrollment into the Loan Rehabilitation Program and make his first (1st) payment of $Coast received his W-on January 28, and the representative contacted the consumer to advise him that his payment was raised due to Adjusted Gross Income on the W-The consumer advised he could not afford the payment amount and asked if he could submit his to have his payment recalculated. The consumer provided his and his payments were qualified at $per monthA Coast representative contacted the consumer on January 29, and explained due to program requirements we would not be able to use the The representative provided the consumer with the new qualified payment of $and the consumer explained he could not afford the qualifying amountThe call was disconnected as the Coast representative was explaining to the consumer the Reasonable and Affordable Loan Rehabilitation ProgramPer the consumer’s request, the payment arrangement was cancelledThe consumer spoke with a Coast Representative on February 10, who advised him that his payments would be $Per the Rehabilitation Agreement Letter, the consumer must continue to make their qualifying payments, as agreed upon, until they are notified that their account has been rehabilitatedOnce the account has been rehabilitated and is no longer in default, the national credit bureaus will be notified to delete the derogatory credit trade line previously reported by the guarantor in reference to the account if the trade line is being reported by the guarantorWe apologize for any inconvenience

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that while some information provided was PERSONAL, some was actualMy complaint remains unresolved as this company continues to call and request information previously given. No change from the first amount agreed was ever discussed, nor any mailing or email proof providedMy complaint with Coast Professional is not that they were "contracted by the Federal Education department" but rather how they perform and harassSince my complaint was filed, said company has only called four timesI appreciate the reduction in amount of phone calls and wish this decrease in harassment to only get betterLet it be noted, I do not wish Coast Professional to call meShould said company wish to speak with me or collect ANY information they may mail me a letter or send a request via email.
Regards,
*** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.They did not actually provide a resolution They failed to insert the information in which I signed a legally binding contract They failed to admit that they promised certain terms and then later changed the terms They failed to say how this will be resolved They failed to state why they continue to take my money even though I have made the nine (9) payments per the contract.In fact, all they did was give a chronological outline of what occurred The response provided no additional clarity.Regards,*** ***

On October 19, 2014, the United States Department of Education placed an account with Coast for collection in the name of the consumer.  Coast has been unable to locate any records of phone call attempts made to [redacted]. Per the consumer’s request through the Revdex.com we...

have updated the consumer’s account to a CEASE status and no contact attempts will be made in the future.  Coast has no record of receiving a dispute letter via fax from the consumer, however we acknowledge the consumer’s request for validation and the information has been sent to the address on file via certified mail ([redacted], on August 16, 2016. Telephone calls to the consumer have been made within all state and federal guidelines. Additionally, Coast does not report to the credit bureaus, this process is strictly governed by the U.S. Department of Education.

RE:  Complaint Case # [redacted]Dear Mr. [redacted]:First and foremost, we thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to the individual’s concerns. The U.S. Department of Education (ED) placed an account with Coast Professional Inc. (Coast) in the name of...

the consumer on February 26, 2017. On May 9, 2017, the consumer contacted Coast regarding their defaulted student loans and the payment arrangement options available to them. During this call, the Rehabilitation Program was explained and the consumer opted to enroll with pre-qualifying payments of $100.00, pending Proof of Income. The Coast representative explained the paperwork necessary to qualify payments and complete the program. The consumer’s payments qualified at $363.00, based on the financial information submitted, and on May 15, 2017, the consumer was advised of the qualifying payment amount. The consumer stated that they could not afford the qualifying payment amount and did not believe it was correct. The consumer stated that they would be submitting additional documentation to lower the qualifying amount and the representative advised the consumer of the Financial Information Statement (FIS). On May 22, 2017, the Coast representative advised the consumer of the paperwork necessary to submit the FIS. On May 31, 2017, Coast contacted the consumer to advise that the FIS had been denied in review and of the changes it needed to be approved. The consumer stated that they would not be making the changes and ended the call. On June 15, 2017, Coast contacted the consumer, who stated that they were receiving too many calls and there had been no resolution on the account. The Coast representative advised the consumer of the missing paperwork and the changes that needed to be made.  The consumer’s payments were qualified at $245.00, based on the updated financial information submitted. It was documented that the consumer was still missing documentation that may allow the payments to be lowered further. On June 20, 2017, Coast contacted the consumer and advised them of the qualifying payment amount. The Coast representative also advised the consumer of the missing paperwork and the consumer claimed that they had not been told this previously. Upon review of the account, the consumer had been advised several times of the paperwork needed to qualify their payments. The consumer requested no further calls at this time. The account was updated to a no calls status and the consumer’s phone number was flagged as do not call. On June 21, 2017, the consumer left a message with Coast requesting a call due to the paperwork they had submitted. The paperwork was denied in review, due to the missing documentation the consumer was previously advised of. On June 21, 2017, Coast received a complaint from the consumer claiming that Coast had been harassing them and had made too many calls requesting the same information that had been already submitted. Upon review of the account, the consumer has been contacted due to the paperwork  submitted being denied in review. The consumer has been advised several times of the issues found with this paperwork and what is needed to rectify the situation. At this time, it has been determined that all calls made on the account were in compliance with federal and state regulations and at no time was the account mishandled. We understand the consumer’s concerns and take them seriously. We thank the consumer for bringing their concerns to our attention and we apologize for any inconvenience this may have caused. Sincerely,Coast Professional Inc.

The U.S. Department of Education (ED) placed an account with Coast Professional Inc. (Coast) in the name of the consumer on January 18, 2015. On August 30, 2016, the consumer contacted Coast to discuss the potential options available.  After discussing the Loan Rehabilitation Program, the...

consumer elected to enroll with a pre-qualifying monthly payment amount of $5, pending receipt of the Proof of Income (POI) required for approval by ED.  At this time, the consumer was advised that if the loans have been certified for treasury offset, they will continue to be offset until transferred to the new servicer. The loans will be decertified for treasury offset once they have been transferred to the new servicer, after the Rehabilitation Program has been completed and that entering into the Rehabilitation Program will not stop the offset. On February 9, 2017, the consumer contacted a Coast representative to ask if they could file taxes without being subject to a treasury tax offset. A tax offset disclaimer was read and it was explained to the consumer that treasury tax offset on a loan was a possibility while the defaulted loan was in our office, if it is certified for tax offset. The consumer was also advised that Coast does not directly handle tax offsets and was referred to contact ED to discuss tax offset eligibility.

Business responded but does not wish it to be published due to personal content.

January 22, 2018 [redacted]
[redacted]  [redacted]
[redacted]
[redacted] RE:  Complaint Case # [redacted] Dear Mr. [redacted]: First and foremost, we thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to...

the individual’s concerns. The U.S. Department of Education (ED) placed an account with Coast Professional Inc. (Coast) in the name of the consumer on May 1, 2016. The consumer first contacted Coast regarding his defaulted student loan and the payment arrangement options available to him on December 4, 2017.  During this call, the Rehabilitation Program was explained and the consumer opted to enroll with pre-qualifying payments of $31, pending Proof of Income. The consumer placed a one-time payment on file via his checking account.  On December 6, 2017, the consumer was contacted and informed that upon review of his financial information he qualified for a $5 a month payment, the consumer opted to pay $25 per month and made a payment via his credit card.  On January 11, 2018, the consumer telephoned Coast to confirm his payment for the 5th of January, the payment had initially ran via the consumer credit card and was declined, during this call, and per the consumer’s request the arrangement was reset to be drafted from his checking account and was processed on January 16, 2018. The consumer’s remaining payments were set for the 12th of each month in the amount of $20 to be drafted from his checking account through December 12, 2018. We understand the consumer’s concerns and take them seriously. We thank the consumer for bringing their concerns to our attention and we apologize for any inconvenience, or miscommunication this may have caused. Sincerely, Coast Professional Inc.

First and foremost, we thank the Revdex.com (Revdex.com) for the opportunity to investigateand respond to the individual’s concerns.The U.S. Department of Education (ED) placed an account with Coast Professional Inc. (Coast) inthe name of the consumer on February 29, 2016. On April 10, 2017,...

the consumer contacted Coastto discuss a complaint that had been filed against Coast. At this time, the consumer stated that shedid not want any contact by phone or by mail and claimed that Coast was a fraudulent agency.Upon review of the previous call, the account was placed into the proper cease and desistcommunication status.On March 6, 2018, Coast received a complaint, in which the consumer claimed that they hadattempted to contact Coast but were directed to a voicemail. Upon review, Coast is currentlyexperiencing higher than average phone volumes and the consumer’s call had been disconnecteddue to a system error. We apologize for any inconvenience this may have caused.We understand the individual’s concerns and take them seriously. We thank the consumer forbringing their concerns to our attention and we apologize for any inconvenience this may havecaused.Sincerely,Coast Professional Inc.