Student Debt Solutions, LLC

[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 information is not accurateI would like copies of all work doneI paid all this money to them with copies of all receipts except for the last payment they took out to "finalize" the processEvery time I was contacted by the Federal student loan services and my previous schools I explained to them the program I paid for and they told me I should never have to pay for those servicesThey (a government program) told me it was a scamI also tried calling them every time I was contacted and no one ever got back to meWhen I do get someone its always a different person handling my case and ultimately they changed their number without sending me any message or letter stating soWhether it is a scam or not I am not happy with their "services" at allI would like to see the proof of what was doneAlso the "agent" I spoke with said he was a federal agent because I asked him if I contacted the Fed Loan Servicing and asked about his badge number would it be legit and that was when he stated he was a federal agentApparently it was miscommunicationThey stated my application was denied because I didnt know my IRS ADDRESSI have no idea of what they are talking aboutAlso I did not sign up for taxes and therefore it is not thier business to tell them about my identity theft because I was told by the IRS not to do so and to just report it while they investigateI also did not have thier new number even if I wanted to inform themCarla did say David C*** was in charge of the board of directorsI asked many times and many questions to make sureI also emailed David C*** who is now the "general manager" who also sent me a reciept of a payment I had made in my email and he has yet to respondThere definitely will not be a next timeI just want my money backI will not be satisfied in resolving this matter until I am refunded my money I worked really hard for services that did nothing for me and resulted in my account still being delinquentPlease refund me my money and this matter will be resolved.
Regards,
*** ***

***,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 contract
Please 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 company
Best regards,
Giovanni M***

Complaint: *** I am rejecting this response because: The company representative Emily M*** gave me information about the programShe told me I would pay the said amount without interest until the loan is paid offI would not have signed on and paid the amount that I did if I knew what the outcome would beI am paying more interest now and for a longer amount of timeIf I wanted to refinance my loan I could have done that somewhere else.
Also, I was not told about the extra $when I signed up for the programWhich brings the total to over $I was told that there were only two paymentsThis process has taken over six monthsThe representative said I should pay the money to have student debt solutions submit my paperwork because it may not go through otherwiseHow do they not disclose this information up front? It is a crooked business, and I will not accept their responseRegards, *** ***
------------
I am a little confused and surprised at the rejectionStacy paid us payments of $for the services of Student Debt Solutions finding her a loan, then when she was asked if she wanted us to submit the paperwork for an additional fee of $she also agreed to thatIt is also noted on the
website so there is no hidden fees and our representative gave all the correct information, We found her a loan for her $11,at $payments for monthsHer loan has been totally forgiven so she doesn't owe anythingFor the fee that she paid us, we found her a loan plan that forgives (which means she does not need to pay ANY of the loan amount back) her loan in full
Stacy, You spent $that you paid us to save yourself $11, that you no longer owe to anyoneWhere is the problem here, and why are we a crooked companyTo me that is quite a savings and it is well worth the money that you paid to Student Debt Solutions to help you out. Your total loan is forgivenYou no longer owe $11,371,Please contact our office at *** if you have any questions regarding your totally paid loan by a government forgiveness. Our commitment to this client has been fulfilled and the client does not merit a refund for the services rendered

Thank you for your voicing your concerns, we'll certainly follow up on what you've stated We no longer handle Federal student debts, please contact your loan servicer for further assistance and they will be happy to assist you.Thank you,

[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 had some system issues, were
it was recalling people from the intake department that were not supposed to be
called. It’s an automated system. Also there were issues at the same time
where we could not hear consumers on the
phone
Our team members are to answer
the phones with the greeting “Thank you for calling Student Debt Solutions. How
may I assist you?”
This client did not follow the
writing instructions on how to request a refund from us, per her signed service
agreement, which I’m sure she initialed indicating she read and understood the directions. Because of this she
requested a refund from the wrong department and her request was not processed.
This is also why our team although desperately trying to find her refund request
were unable to do so
The board is set to release
their answer about the refund request on Wednesday November 12,
We will refund the client’s
money for the trouble she had
This is the 2nd response to Revdex.com on this customer first answer was sent on 11/`when I received the complaintI do not know why it was not received by the Revdex.com
A refund was issued on 11/to the customer and has probably been received and cashed by now
Linda * K***

Dear ** ***,first of ail I am truly sorry if we upset *** *** in any wayI wanted to explain the complaint that she forwarded to youYes, she is correct, we do introduce ourselves as agentsThat is the terminology that most businesses useWe are not trying to scare anyone or to
make them believe that we are government agentsIt is just a title that we and a lot of other companies use to have our agents address ourselvesI do not believe banks, phone companies or any sales companies introduce themselves as agents to try to intimidate the publicBut to instill a level of respect for the customers"Agent", has been around for a few years as a way of introduction.It sounds more professional, and someone in the business section of education came up with that terminology and most companies have come to put the term agent into practiceIt Is a legal representative of Student Debt Solutions and in no means do we intend to incriminate or demean a customerWe hold our customers at a high respect and want to let *** ** *** know that we are sorry if that is the way she interpreted the call, but it was in no means meant to be a threatening call.Sincerely,

*** ***,
A refund was issued today for $ Please allow - business days for it to show in your account If you have any further questions please feel free to contact us directlyThank you,
David

Good morning,
First of all I want to apologize for not answering this sooner, somehow, I didn't get it, not meaning that you didn't send itWe have issued the credit to *** ***. *** *** contacted our loan locator office instead of our customer service office for the request
for refundThey do not have the authority to issue and refer the customer to our customer service department number for refunds*** *** did contact our customer service office on 9/which was forwarded to the review board for refundI contacted the review board this morning and notified them that we were giving *** *** his refund of $, and the refund was put thru this morningAn email was sent to the customer notifying of the refund.We however, will not be covering the bank charges as the proper procedure was not followed to obtain a refundPlease see attachmentWe didn't receive notification until after the payment was withdrawn, and that was not in writing but a
phone callWhen the proper channels are not followed, it makes it very hard to answer refund requests
Sincerely
Linda K***
Student Debt Solutions LLC

To Whom It May Concern.Please see attached proof of payment by copy of the canceled check, which was cashed by *** *** on 1/9/I do not know how someone can forget cashing a check within a month. As you can see we, in error, issued a check for $which was an over
payment of $175.50, so we will be expecting a check for the difference from ***There should have been no complaint filed as customer received the refund and check was cashed 1/9/andthe complaint was filed 2/1/I do expect a response and an apology for filing a complaint with the Revdex.com when this was satisfied by an overpayment and cashed weeks prior to the complaint being sent inStudent Debt Solutions LLC will be sending a invoice for the difference of the $to be paid back by ***

** ***,I do not know why the Merchant account has not issued your refund, they have stated they didIt is not fair to make you wait until they get this straightened out so I am sending a check in the amount of $349.50.Please accept my apology for your inconvenienceI will take over dealing with the merchantIt is the Thanksgiving weekend so please allow the day mailing time but trust that I have mailed it out to your address on fileAgain, I cannot apologize enough as I thought this was taken care of a long time ago thru the channelsSincerely Linda * K***Student Debt Solutions LLC

On Mon, Mar 9, at 5:PM, David C[redacted] <
href="mailto:[email protected]" target="_blank" "">[redacted]@student-debt-solutions.org> wrote:
Here is the response to [redacted], the unresolved complaint:
[redacted],
We apologize for the delay in this response. Unfortunately we will not be able to refund the amount you have rendered to us as you've requested.
We have some good news for you though. You are now being processed for the IBR program which will see your payments being $per month. These arrangements will start on Mar 12th – 15th. This is according to the servicer. Ref #[redacted]There was also a past due balance of $on your account with them and we've been able to get that cleared up for you as well. Your account balance shows as current, however the servicer has asked that you allow days for it to clear off of their records. They've also asked that in the event you get a message from them to disregard it.
We apologize for the length of time it took us to get you accepted into a program and we have waive the 2nd portion of our fee, a value of $due to the inconvenienceBest regards,
________________________________________________________________
David C[redacted]
Student Debt Solutions LLC
Pennsylvania Avenue,Suite 1025,Washington DC, Tel:+[redacted]
E-mail:[redacted]@student-debt-solutions.org

[redacted],Upon further investigation we have confirmed that you are in the program and to pay $31 per month and that you are currently enjoying deferment until July 2016.  Again we wish to reiterate that we did exactly what you hired us to do. I believe with our help you are saving approximately of $300 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[redacted]

[redacted],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 W2 info so I can see the date stamp on it, we never received that email.  My email address is: [redacted]@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 $199.99 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[redacted]

Hello,
I received the rejection notice from [redacted] so I am sending the proof that he was submitted to the DoE. I do not know why he wasn’t on file per his comments, as they did have his application. Once we submit, as you can see from the
attachments was done, all that can be done is for the client to wait for the DoE to get back to them. The DoE replies directly to the client and not to Student Debt Solutions.  Please see the attached submission with date and time stamp and also
conversation with [redacted].
Sincerely,
Linda K[redacted]
Student Debt Solutions LLC

[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: [redacted]
I am rejecting this response because: this is not a true statement. I paid this company a total of $524.25. The last representative I spoke with which was Mr. Brian, H[redacted], extension [redacted] confirmed this. Attached are the two payments I made. I expect an apology and my final refund check in the amount of $174.75. This information was taken from my [redacted] checking account. 
Regards,
[redacted]

We at Student Debt Solutions were not able to help this customer. Please see below with that information of the person this client was working with. Hope this helps [redacted]...

to resolve this problem. Please have him contact [redacted] at the info below.
This
client needed to be in a rehab program for his loans.  He was working with [redacted]s
atterny [redacted] on this matter and he will have to contact him for an
update:  his info is below.
Linda * K[redacted]
23
Sep 143:42 PMby
[redacted]
Task updated
(F/u on financial hardship docs)
Subject changed from
'Plz contact/update' to 'F/u on financial hardship docs'Due date changed
from '8/4/2014' to '10/7/2014'Comment posted: Spoke to [redacted]. He has
assumed a lot of medical bills. His son was in the hospital. He is going to send
them to me and we are going to try for a financial hardship to try and alleviate
the garnishment.
23
Sep 143:41 PMb[redacted]
Email sent
to [redacted]
Subject: Message:[redacted],
It was a pleasure to
speak to you today. My contact information is below.  
[redacted] |
ProcessorSDS| Student Debt
Solutions811 West Evergreen Avenue | Suite 302 | Chicago, IL
60642
Direct Phone:
###-###-#### | Main Fax:  ###-###-####Email: [redacted].com |Website: www.ussaloanhelp.com

[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 7 –...

10 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 7 – 14 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]

[redacted],We'd already replied to the email that you sent today stating that we no longer service clientele with your needs.  We also out of courtesy to you provided you with the direct means to help yourself re-enroll in your chosen program.We wish you all the best as you continue down the road to...

freedom from your Federally backed student loans. Thank you,Giovanni

[redacted],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 $350 per month for your federal student...

loans and  after your entry into the program your payments were lowered to only $31 per month.  It is our understanding that you are currently in deferment until July 2016 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 $349.50 which is owed to Student Debt Solutions under signed contract. Please 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 company. Best regards, Giovanni M[redacted]