Student Debt Solutions, LLC

***,You hired us to prepare documents for your entry into a Federal government program, we did just that You only paid half of our service fee and we would like the remaining balance According to the information you provided us, you were paying $per month for your federal student loans and after your entry into the program your payments were lowered to only $per month It is our understanding that you are currently in deferment until July as well We have tried contacting you by phone several times and left you voicemail messages requesting contact with you, however you did not contact us We will be happy to work out repayment options with you so you can take care of your remaining balance of $which is owed to Student Debt Solutions under signed contractPlease contact us toll free at: ###-###-#### and we'll be pleased to assist you as best possible We do not wish to harm your credit rating and only want what was originally agreed upon between you and our companyBest regards, Giovanni M***

***, Upon further investigation we have confirmed that you are in the program and to pay $per month and that you are currently enjoying deferment until July Again we wish to reiterate that we did exactly what you hired us to doI believe with our help you are saving approximately of $per month We don't see where you were ever told we would waive our fees and we're not in the habit of working for free so I don't believe we would have If you can show me written proof that we waived our fee i'll gladly discontinue collections proceedings Once again we have a signed written agreement with you and we have fulfilled our obligation to you per the contract, we're only asking that you pay us the same courtesy The fact of the matter was that we performed our duties to you even before you had remitted payment in full to us on good faith It's unfortunate that some people choose to try and take advantage of the good nature of companies like this one and further actions are necessary to attain fees In spite of this we will continue to serve our valued clientele in good faith that they will fulfill their obligations to us Please feel free to contact us toll free at ###-###-#### on Monday - Friday between the hours of 9am - 9pm EST Regards, Giovanni M***

All of the conversations between clients and our representatives are recordedAfter listening to the recording, this client was informed that he “MAY” qualify for complete forgiveness of his federally backed student loansThen further along in the initial assessment he was told he qualified for payments of $per month and that is what he was interested in As the call continued, along he was also told this by his case manager and it was a firm number as we’d had a change to get the real information about his loans and IRS tax filing AGI He chose the program that had that payment amount IBRHe was told initially during the estimate call that if he qualified ( and again he was told any information given to him would be an estimate based on information he provided us As no real quote could be given until we had a look in his government files) it would be like paying no interested because everything could be forgiven However he was told at the end of that call that he would have payments of $This client mentions in his complaint that he could have done it for free and I believe that is why he is truly wanting his money back Anyone may enter a government program if they so choose Our clients hire us because of our sterling reputation in the industry and the fact that we guarantee our work One can do their own taxes too, however most hire a professional to do it for them, such as [redacted] *** This is the same instance There is no refund to be granted as we have located a loan for him, he was advised and that is what we are contracted forThe client can continue the process by calling our toll free number at ###-###-#### and we will be glad to continue the process

[redacted] , I would like to take this opportunity to address a few of the concerns you have mentioned in your complaint We’d like to apologize that you feel it has taken to long for your refund Per the contract that you signed with us all refund requests typically take – business days for review On top of that you no longer use the credit/debit card which you made your payment to us and we are not allowed to place funds on a different card Although even though we know this we certainly tried to put the funds on a different card you provided as well as your husband’s card We then tried to pay you by check, which you say never reached you Mail take – business days and we have no control over the US Postal Service and their delivers Once you notified us that you didn’t receive your check we agreed to issue another one and placed a stop payment on the previous check that was issued Certainly the Thanksgiving holidays may have played a part in delays Our customers usually don’t have trouble reaching us and we’ll definitely investigate your concern You were left on hold because you requested to be left on hold until a supervisor could speak with you At that time the supervisor was assisting another customer and couldn’t drop that call to take yours You were notified that the supervisor was busy assisting another client and would call you back, however you insisted on being left on hold Once the supervisor was finished assisting the other client they began to speak with you You also stated that you would have never known that you were actually ineligible for a Government program unless you had called to inquire, however we have tried contacting you serveral times to no avail Most certainly your husband who also didn’t qualify for a government program was notified by use without delay and because he still had the debit/credit card that he used to make his payment to us there was no issue in refunding him We hope this clears things up for you we thank you for your feedback Best regards, David C [redacted]

Dear [redacted] ***, I received your complaint from the Revdex.com and would like to address some of the concerns that you have with Student Debt Solutions LLC The conclusion that I am under from your statement is that you had been working with our company after we had contacted you to help with your son’s student loan debt We submitted the paperwork to the DoE (Dept of Education) after you had signed the service agreement, or contract with Student Debt Solutions and returned the paperwork necessary for his proof of income from the Wtax info and any other information that you provided to obtain the loan The paperwork for the requested loan approval was submitted to the DoE for them to complete the process and the DoE will continue to work with your son finish the loan I do not know what debt solutions company had told you, as I have had no contact from any company regarding your statements We work with student loan debt only, you were advised of that twice according to the converstation that was recorded and is on fileIf needed we can play that back to you You were told that we would not be dealing with your son’s personal loans, only the student loan debt From the recordings we determined that your conversations with our representatives were very upsetting and confrontational and you were advised to direct your calls to the office manager only As of August 26, your son has received the benefits of the new loan for his student loans due to the completion of the paperwork that our company submitted to the DoE Your contract was completed and you are benefiting from the loan improvements Student Debt Solutions LLC has completed the contract and also supplied benefits to your son with the federal loan that was obtained for him I am glad that we were able to come to a successful result As far as the remark about not being able to help you with your loan and being denied a refund; that statement was made to you in regard to personal loans that you had also submitted that cannot be covered by the Obama programYou were advised of on the first call, and reminded on subsequent callsWe also state in the refund section that if we obtain a loan for your student debt, no refund will be grantedThat is why we were not able to refund your payment Please see all attached paperwork and contracts that were completed Linda [redacted] K [redacted]

Hello, I received this info from our office manager who listened to the recorded phone conversation and questioned the repHe also checked the records to see when the client was put on the do not call listI apologize but it looks like this was just a unforeseen incident but do apologize that it happenedPlease accept our apologies Linda [redacted] K [redacted] Student Debt Solutions LLC This person is not a client She was called multiple times by our system to if she was interested On one call that she answered an agent in NS picked up She request to be put on the Do Not Call list The agent was not rude and did place her on the DNC The system called her back a minute later because she had her phone number listed in both the primary and secondary fields Because of this the system didn’t have time to register the DNC request On this call she did ask for a manager and was accusing the agent, who took the call of being the first agent and disguising his voice The agent was polite and it seems the call dropped before a manager got on the line This will be brought to the attention of the individual to ensure he is not the one whom hung up She is on our DNC and will not be contacted again

July 3,Hello ** [redacted] ,I received your letter in regard to the complaint from [redacted] ID [redacted] .In regard to the first statement, we do work with the department of education to find the best rate, length of time and or forgiveness when appliesThere are many companies out there like oursSecond, regarding the repeated calls; [redacted] was added to the NO CALL UST on the day she requested May and has not been called sinceAnytime anyone mentions they would like to be added to the "Do not calf list" they are put on that list as soon as requestedWe do not want to aggravate customers, we want to help them with the debt they incurred thru collegeThat is affecting thousands of people and we have already helped thousandsThis is what our intent is.I do apologize to [redacted] in regard to the calls prior to May 25th, If there is anything else we can assist with feel free to contact us.Sincerely,

From: Revdex.com of Metro Washington DC< [redacted] >Date: Wed, Mar 4, at 3:PMSubject: Fwd: Fw: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania complaint # [redacted] .To: [redacted] < [redacted] > ---------- Forwarded message ----------From: Linda K [redacted] < [redacted] >Date: Wed, Mar 4, at 3:PMSubject: Fw: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania complaint # [redacted] .To: [redacted] Hello Ms [redacted] , I am writing to let you know that I went back to my accounting department and after sitting to go over all of the details on Ms [redacted] ’s account, she is due another $I have written her a letter of apology along with payment of $check number ***Ms [redacted] was right in her facts and I have since straightened it outShe should be receiving a check within 7-days for the balance of her refundI no longer own this company so all future emails should be changed to [redacted] It is still Student Debt Solutions LLC but I have since sold the company owned by Giovanni M***SincerelyLinda J K [redacted]

Good afternoon [redacted] ;The refund policy states:We always place our client’s needs first and want to ensure that you receive a Federal Student Loan Modification which is why we have a 100% Money Back Guarantee, of for any reason the documents that we prepare and submit for you do not obtain you a modification, we will refund 100% of any fees paid within days.I am not sure what her previous loan rate of timeframe of repayment was, but we were able to get the loan and the loan was completed so we did do what we promised to doThat is why the refund was denied by the review board, if we could not find her a loan, she would have qualified for full refundAs MrC [redacted] stated to [redacted] we work for the client to make sure all of the best options for a federal based loan are offered to our clients, We did complete all paperwork and submit to the government for payment optionsAs far as the refund [redacted] refused payment on the credit card so it went into a charge back and they have to refund her paymentThis timeframe does take a lot longer but there is nothing more that we can doIt is now turned over to the Merchant company to send back to the credit card companyWe did dispute the chargeback so the request will be sent back to the credit card company to review before the refund is denied or approved [redacted] will need until the full process is completed before finding out what the outcome will be, There is nothing more we at Student Debt Solutions can do to help herI am sending a copy of signed contract and initialed where it states if we get her a loan she is bound to the contact.Sincerely,Linda KStudent Debt SolutionsLLC

[redacted] , Sometimes we have cases that prove more difficult to resolve than most This is one of those cases We require complete cooperation from our clientele to ensure a swift and desired outcome to their application submission In this case to spite our numerous attempts at contact with you to gather additional information we were unsuccessful at gaining a response from you in a timely manner The other delaying factor in this case was that your loan servicers had incorrect information on you This further rded our progress in being able to complete our duties in this matter Our 100% money back guarantee is if we fail to get our clients into a government program and we have not failed to do so Also in the service agreement we do state that we need the full cooperation of our clientele to perform our duties and we need this cooperation in a timely manner Failure to do so is not seen as the fault of this company In your case your decision to cancel our services and refund request was submitted to our board Your refund was denied by the board because it did not meet the refund requirements as set forth in your contract Contact was attempted by us to notify you of the board’s decision, however we were unsuccessful We are pleased to state that your application has been submitted successfully as of this date We do hope that you enjoy the benefits of the Government program once your enrollment is completed You should hear from the DoE servicer within the next few weeks, however if you do not please feel free to contact us toll free at: ###-###-####

Hello,
I am responding to the Revdex.com complaint number #***for ***Please see the attached timeframe of calls and when the loan application was presented to the DeptOf EduTimeframes do take longer that just our contactWe are working with other businesses so
we needto also wait for their responses and information to be returned until we know what is going onI apologize that it does take so long, but anytime you are working with large financial departments that are connected to the Deptof Ed. it does get bottleneckedWe have supplied a loan for the client for $per month for monthsThen his loan is forgiven but he does need to complete the months and then the department of Education will be working with himAll we do is to locate a loan that benefits the clientThat is the end of our powerWe just make sure that he is approvedHe then will be working with the Dept of Education, which is what is in the contract that he signed and returned to usIn regard to his concerns, please see the service manager's responses in redI feel that we have met our commitment and have actually benefited the client with a much better outcome than he had. With all of the information provided and the submission to a loan that is benefiting the client, there is no qualification for a refundStudent Debt Solutions has fulfilled there end of the contractLinda J K***
"Ok, out of these
complaints did we lower payment yes he’s going to have
to pay $per month., did we keep him at
payments Since he states he’s a
public service worker we simply note it on the application and he must apply for
it at the month mark for the doe to grant it. This is not in our control,
it’s fully reliant on the doe to follow it’s own ruleDid we do what we
said we were going to dothat is what I need the answers to
Client was
correctly informed by the agent as to the DoE’s policy. Accourding to the DoE’s
written policy anyone meeting the public service requires will be granted
forgiveness of any remaining debt at the month markIs he still making
payments to the other loan company Everyone should
continue to make payments to their servicer until they are actually accepted
into a gov program. This can take up to days from when they sign our SA and
is again a DoE issue not usWhere are we at with
this, I cannot just say, well, we got him a loanAfter we submit the
application it is up to the client to update us on status and changes as the DoE
only deals with the individual on the application and not 3rd
parties. All clients are made aware of this and asked to keep us informed

[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:
Regards,
*** ***
I am not sure what they are talking about that my son has a great deal on a loan, the loan we requested help on was with *** *** for 10,this is a loan they are not able to help with, with admission from themwhy they filed this paperwork knowing he had no loans they could do anything withI spoke with many workers a SDS as they kept lying and putting me off when I called for updates on the *** *** loan, such as Emily B***, when tryig to reach her again was told she had left the business, also spoke to Tom, didn't get last name, an agent Santina, Anna at extention *** again no longer working there, and Brian H***I was told not to talk to *** ***, that they can not bill methis was untrueAfter getting continuous calls from *** ***/new name ***, I finally spoke to Audrey on Dec4th from *** *** her number is ###-###-#### extention *** she tried to explain to me that SDS can not help me with this loan, she tried to help me by calling SDS to see why they were telling me not to talk to them, she got Brian on the line and identified herself, and asked how she could help and find out what was going onthey put her on hold, after a long wait, disconnected hershe then called back on a three way call with me, and SDS answered the phone with identifying themselves as a company name, she repeated the number and was told she must of dialed wrong, so again she dialed and again was told she had wrong numberIt was obvious they had tagged her phone number so she could not get through to help methis is when I realized SDS could not help with the loan we talked aboutthey knew this and took my money anyway, putting me off for monthsI guess they filed paperwork for something, but only to say they did something to charge me formy son has no other loans and I do not know what they are talking about a great deal with paymenthe owes a month on *** ***that we are now paying onSo yes SDS is fraudulent and a business people should be aware ofAlso I was NEVER NEVER offered one cent back, another lie, they offered me only to repeat the useless paperwork for us again in another year for freelol like I need them to do thisI asked them if they were kiddingFrom the beginning we were lied to, and convinced they would help with this 10,loan because President Obama new lawthey said our credit score would go up it didn't, businesses like this should be shut downthis was fraud to say they could take care of this loan and filed useless paperwork that had nothing to do with this loanI am disappointed in myself for allowing myself to be scammedbut they were convincingand I was at a weak moment worried about this loan for my sonwho is not able to find full time work yethe does work part timetheir contract says if not satisfied or not helped I would get my money backI was not satisfied or helped in any way at all
*** ***

***,
We have been in business for several years now and could not
have done so if we were “scamming” our fellow Americans. We are fully compliant with the *** and have
passed an inspection from the Attorney General.
Of
course if we were “scamming” people this would not have been possible
and we’d have been forced out of business.
In fact we’ve found that you have misstated several facts and we would
like to address them now
Carla sent you an email so that you would have a correct
email address with which to register your refund request. She explained to you that she was doing this
so you have the correct email address with no misunderstanding as our email
addresses are long. Your request is
still being reviewed
There is another point that we want to address. You mention that Carla told you David C***
was the head of the board. In fact Carla
stated to you that MrC*** was the General Manger, in charge of most
decisions and did not state that he was the head of the board
You were contacted by one of our agents who gave you his
ID#. He did not state that he was a
federal agent and we’d like to apologize for the misunderstanding. Employees in his position were called agents
back then
We’ve found that work had begun on your case even before you
had made the first payment to us and continued on. There were several back and forth calls with
you while we gathered the correct information, especially with regards to your
IRS tax filing address which you were not sure of. This in fact was the reason for your
application that we’d submitted not being approved. If we were "scamming" people we most certainly would not work on their cases nor start said work prior to any payment being rendered
If you had told us in a timely manner and relayed all
contact from the DoE or loan servicers to us than we would have been aware
there was an issue and would have taken immediate corrective action. The issue would have been swiftly resolved. In fact in the Service Agreement you signed
it states that you are obligated to divulge all contact with those entities to
us for that reason
If you had an issue with your SSN being compromised we would
have liked to have known that as well so we could have investigated the
matter. We take a great deal of pride in
the fact that we have yet to have any of our clients personal information
compromised and our system security is very good.
The number you have stated that did not give you information
about us is not one of our company’s phone numbers. It is the policy of that company to not
release information about their clientele to the public. It is their policy, not ours, perhaps next
time you could simply contact us and we’d be happy to assist you
Best regards,

[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: I received a transaction history on 11/showing what appeared to be a refund and was told I would see the funds in a few hoursI've yet to receive anything and my credit card company does not see anything pending????
Regards,
*** ***

Please see attached information regarding the account for *** ***We are disputing the refundFor *** due to the fact that1} work has already been done prior to her requesting a refund2} Signed document for contract by DocuSign 3) Timeframe of contract signature to request of
refund, 4}Met customer's request for payment Set up and also adjusted payment 5) Agreement, per her requestStill no request for refund6) See page section for dispute section which was not met7) NO REFUND is approved or sent for mediation.Student Debt Solution is not authorizing a refund as client has not met any of the prerequisite for a refund for *** ***.Linda K.Student Debt Solutions LLC

*** ***,I'd like to take a moment and address several of the points you made First i'd like to apologize for your refund request not being addressed in a timely manner Your refund has now been issued Next ma'am i'd ask that you please forward me a copy of the email that
you sent to the team with your Winfo so I can see the date stamp on it, we never received that email My email address is: ***@student-debt-solutions.org It's important to note that we are not a scam If we were we'd likely never have done you the favor of breaking a simple $retainer fee into smaller portions for you to manage it better We do not allow those types of requests on a regular basis and whomever agreed was simply going the extra mile to try and help you.Best regards,David C***

[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:We discussed my sons 10,loan in our first calls...I was told that
It would be taken care of due to my so.s low incomeHe did not have a.y other loan to discuss....I was also told
At numerous call to them as what is going on with this loan
I had co.timued recieving harrassing calls from salle mae...a dw sP ld by them to ignore these calls
As they are not allowed to continue to call us......I was told by debt solutions that
They can not do anything to our credit and they are threatening
Because they want to collect our interest on this loanStudent debt solutio.s misled us on this and kept my money
Knowing they couldnt help usI want to have this company exposed publically fr cheating peoe
If they were unable to help with our lia
loan an hinest company would have said tbis before taking money from someone Or At Least
When they discovered this would give the refund in their contractThe only lian that was ever discussed was a 10,and the repeated this amount when
Discussing what was goung on eith loan,
I do not accept there reply..*** ***
Regards,
*** ***

[A default letter is provided here which
indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me Thank you so much! Revdex.com Rocks!
Regards,
*** ***

***,
We have been in business for several years now and could not
have done so if we were “scamming” our fellow Americans. We are fully compliant with the *** and have
passed an inspection from the Attorney General.
Of course if we were “scamming” people this would not have
been possible
and we’d have been forced out of business.
In fact we’ve found that you have misstated several facts and we would
like to address them now
Carla sent you an email so that you would have a correct
email address with which to register your refund request. She explained to you that she was doing this
so you have the correct email address with no misunderstanding as our email
addresses are long. Your request is
still being reviewed
There is another point that we want to address. You mention that Carla told you David C***
was the head of the board. In fact Carla
stated to you that MrC*** was the General Manger, in charge of most
decisions and did not state that he was the head of the board
You were contacted by one of our agents who gave you his
ID#. He did not state that he was a
federal agent and we’d like to apologize for the misunderstanding. Employees in his position were called agents
back then
We’ve found that work had begun on your case even before you
had made the first payment to us and continued on. There were several back and forth calls with
you while we gathered the correct information, especially with regards to your
IRS tax filing address which you were not sure of. This in fact was the reason for your
application that we’d submitted not being approved. If we were "scamming" people we most certainly would not work on their cases nor start said work prior to any payment being rendered
If you had told us in a timely manner and relayed all
contact from the DoE or loan servicers to us than we would have been aware
there was an issue and would have taken immediate corrective action. The issue would have been swiftly resolved. In fact in the Service Agreement you signed
it states that you are obligated to divulge all contact with those entities to
us for that reason
If you had an issue with your SSN being compromised we would
have liked to have known that as well so we could have investigated the
matter. We take a great deal of pride in
the fact that we have yet to have any of our clients personal information
compromised and our system security is very good.
The number you have stated that did not give you information
about us is not one of our company’s phone numbers. It is the policy of that company to not
release information about their clientele to the public. It is their policy, not ours, perhaps next
time you could simply contact us and we’d be happy to assist you
Best regards,

Hello *** ***,
I am sorry to hear the complaint that was received from *** ***We have put her on the No Call list right now, We would have earlier however, she is listed under a different name and so we didn't have the correct informationWe do work with the clients to obtain
federal loans thathelp to benefit the clients with their student debt loans they have in placeWe try to achieve a lower interest rate, or a consolidation of loans or possible if it qualifies a forgiven amount after a certain amount of payments. *** *** will not be called again. As far as the
conversation with the representativeWe listened to it and we really didn't hear any confrontational conversationWe do not allow or accept any attitude from our representatives for the Student Debt Solutions Team. Please assure *** *** that the only information that we
did have on her is her name, address email and phone numberNo other information was obtained and her file was deleted so there is no threat regarding her personal informationPlease apologize to *** *** for any inconvenience. If there is anything else I can be of assistance with, please feel free to
contact me
Sincerely Linda * K***
Student Debt SolutionsLLC