Sled Shop

Complaint: [redacted] I am rejecting this response because: This company stated that if I paid the (1time fee) my student loans would be forgiven under the " [redacted] Student Loan Forgiveness Program." What they responded is an absolute "LIE", for I was contacted about making another payment by Mr [redacted] and for It was Never a "forgiveness program" they were charging me to do something that is Free...Deferred student loans paymentIf you advertise what I am saying you will see many more people come forward about this company Regards, [redacted] ***

We have already stated our position with [redacted] We have nothing further to say on this matterCordially, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: I am rejecting this response because: This is false, [redacted] from USA student loans is promising to help wipe out student loans for $If you look on their facebook page another person posted how she is being promised that after 90days her loan will be "gone forever as well(See attached photo) The second and third photo is how I heard about what USA student loans was offering, through a facebook friend recommending itMichael is telling people there is a new program Obama has offered to totally forgive student debt to unemployed peopleI did not give USA student liana any additional information and cancelled right away when I discovered it was a scamI am not looking for any reimbersment for the $they took from me because there is no way to prove what I was toldMy only goal is to hope this happens to no one elseThey are very deceiving and hide behind a legit company but taking advantage of people desperate to find any help to get out of student debtIt was my stupidity to sign a contract that did not include what I was promisedI was just very excited and overwhelmed with feelings of relief Regards, [redacted] ***

From: [redacted] Date: Wed, Mar 1, at 11:PMSubject: Re: Revdex.com Complaint- [redacted] - REPLY TO REBUTTALTo: [redacted] Dear Ladies, [redacted] was a client in December We consolidated her underlying loans and qualified her for a $per month payment in the Income Driven System There has never been an " [redacted] Loan Forgiveness Program," and we certainly do not use that terminology in this office although we have frequently been asked about it There are only two recognized loan forgiveness programs, to wit: [redacted] Loan Forgiveness and [redacted] Loan Forgiveness While [redacted] certainly qualified for loan forgiveness in the income driven system, upon completion of her consolidation and income driven repayment plan, all communication at the end of our work which concluded in March-April 2015, all communication was between her and the loan servicer servicing her direct consolidated loan (which loan paid off her underlying loans in consolidation).That servicer also provided advance notification to her when it was time to recertify She has never contacted this office for that purpose, not withstanding it is service we provide to clients and former clients, AT NO COST TO THE CLIENT, as a courtesy.We did exactly what we committed to do for Ms [redacted] and have nothing more to add to this rebuttal.Thank you for your consideration in this matter We will have nothing further to add to future rebuttals as once again, our work with this client concluded over years ago[redacted] USA STUDENT LOANS [redacted] [redacted] ***Emerg: [redacted] ***Fax: [redacted]

Dear Ladies,This is in response to a complaint filed by *** ***, ID# ***.*** *** enrolled with USA Student Loans in order to enroll in public service loan forgiveness for the lowest repayment plan possible hoping to effectuate forgiveness of her student loans in the
payments required under the public service loan forgiveness program We consolidated her loans, enrolled her in an income driven repayment plan and filed her public service loan forgiveness application with the appropriate federal loan servicing agency *** *** has made several material misrepresentations of fact since it is our policy to thoroughly explain the public service loan forgiveness program to all who qualify - herself included She now claims she believed the program was started by President Obama to help out low income single mothers/students overwhelmed by student loan debt.While the public service loan forgiveness program was enacted under the current President's reign there is certainly no such program as the Obama loan forgiveness We find ourselves explaining this to student loan debtors every day many many times per day *** ***, based upon her employment with a non-profit agency certainly was qualified under the act for loan forgiveness provided she continues to meet the eligibility requirements.There are numerous misrepresentations in the complaint starting with: USA Student Loans contacted her That never occurred *** *** would have had to reach out to us as we never cold call any potential client She was also thoroughly educated as to the public service loan forgiveness eligibility criteria - which she now alleges she understood to mean a complete wipe out of her loans That is fabrication She also alleges the work we did never happened yet only did we complete her the National Student Loan Database was updated to reflect the completion and she was informed of thisShe enrolled in June and within days she was fully completed Problems did not arise until it became clear that *** *** did not want to pay the remainder of her processing fees, a balance of $396.66, for which she remains indebted to USA Student Loans When she was informed she was being referred to outside collections she filed her complaint That complaint is thoroughly filled with misrepresentations on *** *** part We can't possibly make up submitting her loans for consolidation, getting her the lowest repayment plan possible based upon her income, the loan balance, the number of heads in her household for which she is financially responsible All that is prescribed by law! We can, however, fully demonstrate her completion by forwarding everything filed on her behalf and the National Student Loan Database update We can also provide the collection letter sent to her and in response to which she filed this complaint.This is a case of buyer's remorse and her effort to absolve herself of a debt legally owed to our company This file has been referred to an outside collection agency.Sincerely,*** ***

Dear Ladies, *** *** was a client iin December We consolidated her underlying loans qualifying her and putting her in a $per month repayment plan She was completed in March She was also informed she would have to RECERTIFY once a year, a service we perform
for our clients AT NO EXPENSE TO THE CLIENT All we ask is that we be notified when they got notified from the loan servicer that it was RECERTIFICATION TIME *** *** paid a $processing fee and we can certainly provide a copy of her electronic register if necessary. This client never contacted us for RECERTIFICATION and we believe that as a result thereof, she may have been placed in level billing by the loan servicer We certainly did do our job however and remained available to assist in the annual recertification process We cannot force clients and former clients to do their annual recertifications, we can only be available when they need us, as we continue to be. Sincerely, *** ***

Dear Ladies, Ms *** originally enrolled in january for loan forgiveness and assistance with her federal student loans We had trouble with the Social Security Administration who could not verify Ms***'s identity, crucial to our ability to upload her loans and provide evidence
we had the right person Thereafter we were unable to link to the Internal Revenue Service database and were required to submit Ms ***'s tax return to the Department of Education When informed of these issues Ms*** became combative and uncooperative yet we continued to attempt to assist During the process, Ms*** contacted us to inform us she wished to cancel on or about 4/4/2016, after which she finally provided a copy of her tax return We continued to move her toward income driven repayment system loan forgiveness This despite Ms***'s notices she wanted to cancel Her loans had already been submitted, she was well underway toward achieving her goal Then on 5/5/Ms*** sends an email demand for status update. Imagine our surprise that we were now forced to scramble to update Ms***, this notwithstanding her 4/4/contact which included a demand for her money back Ultimately, Ms***'s loans were consolidated and she was qualified for a $month payment When Ms*** was not immediately responded to in May she filed this Complaint with the Revdex.com All work for Ms*** was completed and she is not entitled to a refund. Sincerely, *** ***

I was " Told" personally by Mr.*** that it was part of the *** Student Loan Forgiveness program!!! That term was in fact used over and over againI will now be starting the process of contacting or hardworking, educated American that have been lied to and robbed by your companyI have years of education, do you think that I would have Payed for my student loans to be placed in Deferment!! I could do that for free via Online or by callingI promise you...Every person that you have taken money from Will be part of a *** *** ***! This is a pyramid scheme at its finestI even had a lady call me when I was having problems believing Mr*** and she again refereed to it as *** Forgiveness.
Complaint: ***
I am rejecting this response because:
Regards,
*** ***

Dear Ladies,This is in response to complaint filed by *** *** *** *** enrolled with USA Student Loans to lower her student payments and she was qualified for a $per month payment on 1/25/ *** *** was contacted for additional information regarding her spouse on
1/26/ In order to submit the proper applications when a client is married, we must have information as to the spouse and must set up an FSA username and password for both parties, as the Department of Education now requires spousal joinder in income based repayment plans This is what *** *** had been qualified for and that information was obtained on or about 2/2/ Thereafter, we are required to wait hours so that the Social Security Administration can confirm the spouse's identity While waiting for this clearance, *** *** contacted this office CANCELLING the process entirely In fact, she again confirmed her cancellation on 2/11/ Therefore *** ***'s applications were halted at that time and all work suspended in her file AT HER REQUEST.*** *** was carefully taken through the process we planned to utilize reducing her loan payment to a $0.00, which included consolidating her underlying loans, submitting the appropriate spousal income driven repayment plan request and getting her a $payment based upon her financial condition as represented to USA Student Loans when she enrolled At no time was *** *** told we could "wipe out" her federal student loans as this is impossible absent a total permanent disability which would have involved an entirely different process.*** *** was informed of our closing process when a client terminates the contract mid-way through the process and declined to cooperate with our procedures USA Student Loans did, however, suspend all work at her request and closed our file in this matter *** *** obligated herself contractually to the processing fee of $when she electronically executed her contract with us To date, *** *** has only been charged the down payment of $ No further charges have been or will be made to her account.Sincerely,*** ***CEO

Complaint: [redacted]
I am rejecting this response because: This company stated that if I paid the (1time fee) my student loans would be forgiven under the "[redacted] Student Loan Forgiveness Program." What they responded is an absolute "LIE",  for 1. I was contacted about making another payment by Mr. [redacted] and for 2. It was Never a "forgiveness program" they were charging me to do something that is Free...Deferred student loans payment. If you advertise what I am saying you will see many more people come forward about this company. 
Regards,
[redacted]

Dear Ladies, This is in response to a complaint filed by [redacted].  [redacted] was informed when he enrolled on 4/7/2016 that the process took between 60-90 days to complete.  His loans were enrolled and consolidated and he was qualified for a $0.00 monthly payment based upon...

his income, the amount of student loan debt he had and the number of heads in his household for which he was financially responsible.  His underlying loans have been fully consolidated and he is in a zero ($0) per month repayment plan.  All the work done on [redacted] behalf has been fully completed.  He electronically executed a contract between himself and USA Student Loans on April 7, 2016 and paid a down payment of $100.00 against a total of $695.00 for processing fees.  It was not until his second payment ran on 5/23/2016 that [redacted] contacted us to inform us that he had NO INTENTION OF PAYING his remaining payments.  USA Student Loans never represented to [redacted] that this company "sells" student loans as his complaint suggests.  The paperwork [redacted] was expected was transmitted to him directly from the federal loan servicing agency.  He knew to expect this as our "welcome letter" clearly states what he should expect following enrollment and that communication would be directly from the federal loan servicing agency. USA Student loan is not a vendor as [redacted] suggests either.  We believe [redacted] has buyer's remorse however he had ample opportunity to review the contract he electronically signed and returned to us which was the governing document allowing us to submit his underlying loans for consolidation and qualify him for repayment in the income driven repayment system.  He certainly is not complaining about a $0.00 per month payment notwithstanding that is what this company achieved for him and the work is complete. Inasmuch as [redacted] called to specifically inform us he did not intend to pay the sums he agreed to by contract and he has failed to do so, we will pursue whatever remedies are available to us under the laws of the State of Florida in order to protect this company.   Sincerely, [redacted]CEO

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: 11124125
I am rejecting this response because: This is false, [redacted] from USA student loans is promising to help wipe out student loans for $595. If you look on their facebook page another person posted how she is being promised that after 90days her loan will be "gone forever as well. (See attached photo) The second and third photo is how I heard about what USA student loans was offering, through a facebook friend recommending it. Michael is telling people there is a new program Obama has offered to totally forgive student debt to unemployed people. I did not give USA student liana any additional information and cancelled right away when I discovered it was a scam. I am not looking for any reimbersment for the $100 they took from me because there is no way to prove what I was told. My only goal is to hope this happens to no one else. They are very deceiving and hide behind a legit company but taking advantage of people desperate to find any help to get out of student debt. It was my stupidity to sign a contract that did not include what I was promised. I was just very excited and overwhelmed with feelings of relief. 
Regards,
[redacted]

We have already stated our position with [redacted].  We have nothing further to say on this matter. Cordially, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: 10875804
I am rejecting this response because: The response from the business is erroneous and full of lies. I obtained a copy of the so called agreement, not only is the signature on the document not mine, my name is not even spelled correctly. Until I obtained a copy of the document from my financial institution, I had never seen it before.I contend that the company continues a pattern of unfair and deceptive business practices. The so called Agreement is fraudulent and my multiple calls to the company were afterthe managers and staff continually hang up on you, instead of trying to resolve the matter. I also have an e-mail response from [redacted] stating that they stopped all activity with me and that the transaction had been cancelled.After receiving a legal opinion, it was best not to sign any type of agreement or settlement with this company and release any rights I may have. I have completed an "Affidavit of Forgery" in regards to the "Agreement"
Regards,
[redacted]

From: [redacted] Date: Wed, Mar 1, 2017 at 11:05 PMSubject: Re: Revdex.com Complaint-[redacted] - REPLY TO REBUTTALTo: [redacted] Dear Ladies,[redacted] was a client in December 2014.  We consolidated her underlying loans and qualified her for a $0 per month payment in the Income Driven System.  There has never been an "[redacted] Loan Forgiveness Program," and we certainly do not use that terminology in this office although we have frequently been asked about it.  There are only two recognized loan forgiveness programs, to wit:  [redacted] Loan Forgiveness and [redacted] Loan Forgiveness.  While [redacted] certainly qualified for loan forgiveness in the income driven system, upon completion of her consolidation and income driven repayment plan, all communication at the end of our work which concluded in March-April 2015, all communication was between her and the loan servicer servicing her direct consolidated loan (which loan paid off her underlying loans in consolidation).That servicer also provided advance notification to her when it was time to recertify.  She has never contacted this office for that purpose, not withstanding it is service we provide to clients and former clients, AT NO COST TO THE CLIENT, as a courtesy.We did exactly what we committed to do for Ms. [redacted] and have nothing more to add to this rebuttal.Thank you for your consideration in this matter.  We will have nothing further to add to future rebuttals as once again, our work with this client concluded over 2 years ago.[redacted]USA STUDENT LOANS[redacted]Emerg:  [redacted]Fax:  [redacted]

Dear Ladies,This is in response to [redacted] complaint.  We just spoke to [redacted] last evening to report that she is fully completed, her federal student loans consolidated and her monthly payment is now $0.00.  We were only able to do this by opening a portal for her with the...

federal servicing agency as all correspondence dropped to her paperless inbox has been mailed by that servicing agency direct to her.  So [redacted] had actual and constructive notice that our work with her federal student loans was completed.What concerned us was that while statusing her file with her on the phone only last evening, April  5, 2016, responding immediately to her call to our emergency number, was that [redacted] never mentioned she had simultaneously filed a frivolous complaint with the Revdex.com.  Her consolidation only completed on 3/30/2016 and the federal servicing agency sent mail directly to her so she had notice BEFORE WE DID that she was fully complete.  Further, she was also mailed a letter from Fedloan Servicing that she had a $0 monthly payment, her goal when she enrolled with USA Student Loans.  [redacted] failed to report the obstacles we encountered when she enrolled, i.e., locked FSAID, loans under a name we had not been provided upon her enrollment, unlocking her FSA only to have the client lock it again.  Notwithstanding these issues, we still managed to get her loans consolidated, her underlying servicers paid in full, and get her a $0.00 monthly payment.  We can't possibly do better than that.[redacted] had an emergency contact number to reach us however only deemed to use it last evening and was immediately responded to at that time.  Moreover, she has been "kept in the loop" via the federal loan servicing agency that ensured her underlying loans paid out and had knowledge before we even did that her file had completed.  Because we endeavor to keep clients in the loop whenever possible, it was USA Student Loans that arranged for the servicing agency to mail correspondence directly to [redacted] so that she was aware of the process while it was underway.[redacted] is not entitled to a refund and in fact has one payment remaining pursuant to the contract she entered into with USA Student Loans electronically signed on 11/4/2015.  We do wish [redacted] the very best in her future endeavors and are very pleased to have been able to assist her with her federal student loans.  She is required to recertify on an annual basis, a service we provide to our clients AT NO COST TO THE CLIENT - EVER!!!  She can still feel free to call us when its time to recertify in a year from now.Sincerely,[redacted]CEO

Dear Ladies,In response to [redacted] complaint, we state the following.  [redacted] entered into an agreement with USA Student Loans and electronically signed his contract on 8/31/2015, a copy of same is attached hereto and is hereby incorporated by reference.  [redacted] enrolled to...

obtain the lowest repayment plan possible on his federal student loan debt.  He was informed his processing fee would be $595.00 and based upon his representation as to his financial condition, USA Student Loans agreed to accept monthly payments of $119.00 commencing 9/2/2015 and continuing monthly through 1/15/2016 when the sum of $595.00 would be paid in full.  Customarily work commences immediately on consolidating the client's underlying loans and getting the client into an income driven repayment plan best suited to his or her financial needs.  Part of our process involves the client participating in obtaining and providing to us the FSA username and password so as to allow us to pull the loans on the National Student Loan Database, review them in comparison to the client's representations of his financial situation, i.e., adjusted gross income, marital status, number of dependents, total federal student loan debt.  [redacted], following execution of the contract, failed and refused to provide sufficient information from which we could set his FSA username and password, or failed and refused to provide the username and password he set up thus denying us the ability to pull his loans from the National Student Loan Database.  Despite this, we continued to make efforts to work with [redacted] to reduce his loan payments as we said we would.  If the client, however, refuses to assist us in this endeavor and actually puts up road blocks so as to divest us of the ability to perform under the terms of our contract, he is in breach of contract.[redacted] made a verbal agreement with us that he would cease his harassment and no longer besmirch the name of USA Student Loans if he was refunded his money.  Thereafter he called our office as many as 48 times using profanity, making threats against the staff and the company, etc.  [redacted] violated the agreement to discontinue his harassment.  [redacted] threatened to interrupt our ability to conduct business, tie up our phones indefinitely, etc.  He was relentless.  He has ceased engaging in that conduct, however, as of the date of this writing.The bottom line is, we were and are prepared to complete the work in [redacted] file despite what has previously transpired.  [redacted] breached the terms and conditions of his contract with us as and as a result thereof is not entitled to a refund.Sincerely,[redacted]