Student Loan Aid

[redacted] [redacted] ,I wanted to be sure we're on the same page, and you have a point of contact here with a manager.I made sure and confirmed with [redacted] @ Websupport that your account online is working as it should.I hope after clearing up the details for you that you can take continue advantage of our services.I appreciate my time speaking with you, a resource I mentioned was the Department of Education's website [redacted] , there you can click on the green sign in button, put in your date of birth, your pin, etc just standard informationAnd once you're in you can cross verify the status of your consolidation & loan program and also there's tools for you to see how your income & family size in the future will affect your future payments.Again I know I gave you a lot of information, and rest assured we can be with you every step of the way through thisIf you have questions, or need help please don’t hesitate to reach out to meOur hours of operation are Monday-Friday 9am-6pm PST--Regards, [redacted] SeniorComplianceManagerStudent Loan AidCompliance Dept: [redacted] Main line: [redacted]

I have completed the review of the complaint receivedIn addressing all clients concerns, I pulled the copy of the Document Preparation & Service Agreement and have disclosed it for your reviewIt is clearly stated to all clients what our relationship to the Department of Education is -NoneIt is clearly stated under the Service Agreement Disclosure that Student Loan Aid is not with or affiliated with the Department of EducationSLA has fully performed based on the Service AgreementFurthermore, please refer to the following sections of the Service Agreement for further clarification: -Recitals (performed): WHEREAS SLA is a private for profit organization not associated with the government nor under the direction or management of the government or any student loan holder or student loan servicer, nor affiliated with the Department of Education (the “DOE”), and is in the business of preparing and tracking applications on behalf of Client requesting consideration of temporary and/or permanent student loan restructure/repayment terms; and WHEREAS SLA does not facilitate the negotiation of a debt, or the settlement of a debt; and WHEREAS Client wishes to employ SS to perform, in good faith, the following services (the “Services”): (a) discuss Client’s student loan condition, including but not limited to obtaining information pertaining to Client’s total current student loan balance and student loan monthly payments, as set forth in Section B of Schedule 1, (b) research potential student loan restructuring and/or consolidation options that are or may be available to Client, (c) provide free informational session(s) that identify what restructuring and/or federal program(s) are available to Client, and present Client with options of restructure/repayment plans and estimates of said repayment plans available to Client, (d) advise Client that the loan servicer will determine eligibility; (e) require Client to select a restructuring and/or consolidation repayment plan of their choice, set forth in Section C of Schedule 1; (f) complete and submit to loan servicer the application requesting restructure and/or consolidation of student loans on behalf of Client based on information provided by Client to SLA; (g) file required applications and program requests on behalf of Client and submit the required paperwork and/or financial hardship documentation, with the understanding that SLA is not renegotiating, settling, and/or offering any debt relief service; (h) file required supporting documentation, if applicable; (i) manage said loan on behalf of Client by continuing to file the necessary periodic paperwork to the respective servicer on Client’s behalf during the term of this Agreement to ensure that Client continues to receive maximum benefits offered by DOE repayment plan programs, (j) inform Client of approval of restructuring and/or consolidation plans as determined by DOE loan servicers; (k) inform Client of final approved student loan repayment terms as determined by DOE loan servicers, and (l) continue to submit required documentation annually, as required by the DOE, for applicable repayment programs Items No: 1-Term:This Agreement will become effective on the Date of Signing set forth below, and will continue in full force and effect for months, unless terminated sooner in accordance with Paragraph or of this Agreement2- Engagement of SLA: Client hereby engages SLA to provide the Services to Client, in exchange for the payment of the Management Program Fee(s), as set forth in Section E of Schedule It is understood that when SLA commences with the Services, Client is responsible for cooperating with SLA to complete the necessary steps to ensure a successful restructure and/or consolidationSLA will prepare the required documentation applications and requests to achieve a restructuring and/or consolidation of Client’s student loan, and track and monitor Client’s applicationSLA will contact Client’s applicable student loan lender(s) on behalf of Client to initiate and complete the requests/applicationClient understands that failure to provide required or requested supporting documentation may result in the loan servicer automatically placing Client in a Standard Repayment PlanClient specifically authorizes SLA to engage in such activities on behalf of ClientClient understands that the average completion of a Federal Student Loan Consolidation is approximately ninety (90) days, or longer, and that Client may not qualify for a student loan consolidationAfter the consolidation/restructure has been approved and the monthly payment is finalized, SLA will provide Client with an approval letter (the “Approval Letter”), which letter will describe the finalized monthly payment terms and schedule While loans are under the management of SLA, Client does hereby authorize SLA to change the physical and or email address of record with the holder(s) and servicer (s) of Client's student loan(s) to SLA’s headquarters at [redacted] ***Should SLA relocate or assign this Agreement or appoint a designee, the address on file with the loan servicer(s) and holder(s) are to be changed to reflect SLA’s, or its designee, successor or assignee’s, new physical addressUpon termination of this Agreement by either party, SLA shall change the physical address and or email address back to Client’s original physical address and or email address of record3- Fees for the Services:The fee(s) and costs to employ the Services of Student Loan Aid, or its designee, successor, affiliate or assignee, are stated in Section E of Schedule 1, which is attached hereto, the terms of which are incorporated by reference herein (“Management Program Fee”)The fee(s) due to SLA for restructuring the loan by obtaining an agreement with the loan servicer to postpone repayment is referred to in Section E of Schedule as the “Postponing Repayment Option Flat Rate” fee.7- Cancellation: Five Day Refund Period; Money Back Guarantee:Either party may cancel this Agreement within five (5) days from the Date of Signing this AgreementClient may receive a full refund of all fees paid to SLA if Client cancels within five (5) days from the Date of Signing this Agreement (the “Day Refund Period”)If Client chooses to cancel, Client must do so in writing to the physical address [redacted] or by calling in and speaking with an authorized representative and receiving a confirmation cancellation email address [redacted] or by calling in and speaking with an authorized representative and receiving a confirmation cancellation emailClient was given all written confirmation of our services, fees, conditions, terms and her right to cancelLastly, a full money back guarantee was extended to our client to confirm the legitimacy of our servicesShe did not request to cancel at the allotted time and we have completed our work with the final Approval letter sent out to our client on November 4th, confirming new program details.Best regards,

We appreciate the opportunity to respond.Please be advised a full refund has been provided to this consumer.Although all services were provided by our company in a timelyfashion, as promised to the consumer, we are more than happy toprovide a full refundIt is a top priority of ours to ensure all ofour clients are 100% satisfied with our servicesWe strive to ensurewe provide all of our clients with a top-level customer experience,from start to finish.We hope this matter has not caused any inconvenience to the consumer

***, I had spoken with you on Thursday regarding your cancellation and I had [redacted] send you an email on my behalf with regard to that This is a duplicate message confirming your cancellation with the services of Student Loan Aid, as effective immediately your business with us has ended And you are taken out of the billing cycle and our processors have stopped working on your file as of Thursday, 10/16/ We appreciated the opportunity that you had thought to use our service and we regret that we are no longer doing business together I'm have that refund processed and sent out yesterday, it may take up to 3-business days for you received that refund I do apologize for the inconvenience that causes, Please let me know when you have received that refund so we can settle this issue If you wish to re-enroll in a program with Student Loan Aid, you may do so without cause for concern Our hours of operation are 9am-6pm PST Monday - Friday [redacted] [redacted] *** [redacted] [redacted] [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved They have also agreed to close my account and refund my money in full should I not be happy with their services at any time Regards, [redacted] ***

[redacted] ,I see on 1/6/you spoke with ***, and he resolved your concerns and as I understand you are being refunded.Please allow 5-business days to receive your refund checkI do apologize for the inconvenience that causes.Any further questions or concerns you can address them also to myself, I am a compliance manager hereSince we have taken care of your compliant if you can please respond to the Revdex.com that everything is settled for you that would be much appreciated.Again I know he gave you a lot of information, and rest assured we are available to address your concerns Monday-Friday 9am-6pm PST If you have questions, or need help please don’t hesitate to reach out to me.--Regards, [redacted] SeniorComplianceManagerStudent Loan AidCompliance Dept:###-###-####Main line:949.SLA.HELP[redacted] @slahelp.org

To Whom It May Concern:Thank you very much in advance for allowing us to address/respond to Ms [redacted] (Client) complaintClient was accepted for our managing/processing services since August 19th, When we accepted client's student loans, she was in an active forbearance with Nelnet- that was good thru 11-02-ACS- was in a deferment until 12-21-In addition, we completed the student loans' consolidation and applied for PAYE program (Pay As You Earn)Client had expressed her annual income at the time was $and actually verified at $Client was properly disclosed this dollar amount variation would result in a slightly higher repayment amountShe was not happy about it but decided to move forward regardlessClient was confirmed her consolidations were being completed and confirmed her new servicer was going to be [redacted] Client agreed to all these terms and never complained about any of our service fees involvedIn fact, client expressing being in the process of purchasing a home and requested our help with informing her mortgage company her new student loan payments to ensure she hit the correct ratios to be eligible for her mortgageChecked the [redacted] account and the consolidation was completedWe made sure [redacted] (formerly [redacted] ***) was reporting the correct consolidated amountClient was also confirmed approved for Standard payment of $due on 11/20/Client approved for ICR (Income Contingent Repayment program) 10months for $12/20/to 12/20/Client was renewed services and placed on correct repayment plans all alongRecently, client refused to continue with services after she requested a letter for her mortgage company to evaluate her for a mortgage loan againOur concerns: constant accusations of possible fraud are taken seriously by our CompanyEspecially when we have completed so much work for ClientAnother concern is the alleged dollar amount Client states we've collected and the fact "we told her this money would be applied to her student loans"Why would Client lie in such way to make us look like the bad guys? We have more than enough to show for our services and have got absolutely no problem showing all these documents if properly subpoenaed by legal counsel (if applicable)Client was informed the Department of Education controls who is the servicer to take over the servicing of her loansWe do not control the fact loans wound up with [redacted] If Client feels unhappy with servicer, [redacted] , she states she contacted them and the informed her "we are a scam"? With all due respect, we highly question thatIn conclusion, we have collected a total of $from 10/29/to 3/29/in broken up fees Client agreed upon and signed off on Service AgreementWe have cancelled Client's account to be certain that no more payments are processed from client and have also confirmed services performed/rendered and, lastly, we confirm this Client is ineligible for any type of refundsWe apologize for any and all inconveniences we may have caused for this Client but we are 100% certain we did the work necessary to satisfy our Client.Best regards,Compliance Department

I would like to close my complaint ID [redacted] on Student Loan Aid Shortly after I filed the complaint they finally contacted me and my account is now closed Thank you I would like to close my complaint ID [redacted] on Student Loan Aid Shortly after I filed the complaint they finally contacted me and my account is now closed Thank you

To Whom It May Concern: We appreciate the opportunity to respond to this complaintIt is unfortunate this matter has reached this point as we have spoken to this client multiple times and tried to address any issues they may have hadThis client contacted us because they had a few questions regarding their programEach time our representatives thoroughly explained to the client that we successfully consolidated all of client's loans and successfully were able to help client be placed in an income based repayment plan with a zero ($0) dollar repaymentIt was explained to client that our company did all work we promised to do on her behalfIt was also made clear to client that we are NOT her lender, this is clearly set out in our agreement and was explained over the phone numerous timesThis client wanted to know if they can make bigger payments to their lender in order to pay off their loans more quickly, we advised client that they can do that, but they did not have too as their lender approved them for a $payment based on their income, however it was up to themWe understand clients may have questions and/or concerns, this is why we take every necessary step to make ourselves readily valuable to our clients and explain everything to them in great detailOur last communication with client was ended with the client feeling satisfied, thus we are a bit surprised as to this complaintNonetheless, we hope this matter has been cleared up

[redacted] Refund Revdex.com ID [redacted] Hi [redacted] , I got a message from the Revdex.com with your compliant, and I saw that ***, one of our compliance officers had spoken to you on 11/12/ I had spoken with you today regarding your file & we have issued a refund right away I have double checked with [redacted] from Accounting to make sure your refund was sent to you If you can let me know when that appears in your account that would appreciated so we can close this compliant --Regards, [redacted] Compliance & Customer Service Manager Student Loan Aid Compliance Dept: Main line: 949.SLA.HELP [redacted]

Fraudulent Revdex.com Complaint [redacted] 12:PM (minutes ago)to nickHello my name is [redacted] and I am the Resolutions manager here at Student Services and I am responding to this complaint due to the simple fact that I would not file a complaint towards the company that I am currently employed forThere for I am more than sure that it was a disgruntled client that filed fraudulent Revdex.com complaint about us, trying to portray themselves as an employee of the companyWhen we called to get the situation taken care of she was not satisfied with the results and unfortunately chose to take this routeWe have reason to believe this individuals name is [redacted] / [redacted] Best Regards, [redacted] Retention's Department Manager(949) [redacted] (Direct Line)Student Services,LLC Office: (888) 337-Ventura BlvdSuite 47425, Woodland Hills CA 91364Student Services

[redacted] Revdex.com ID [redacted] Hi ***, I got a letter from the Revdex.com with your compliant, and I saw that ***, one of our Compliance managers had spoken to you today, 9/22/I had also spoken to you after that conversation you had with him to follow up with you I understand your compliant about being hard to reach us, we’ve recently undergone a move and had to rely on a call answering serviceWe have corrected that, on last week Friday 9/18/we suspended that serviceNow our phones are ringing back into our office directlyAnd we are working on hiring more customer service reps to be able answer calls for us When you spoke to [redacted] from what I gathered you want to continue with our servicesAnd I thank you because we do value your business and care about you as a clientIf there’s anything you need further just let me know, that would appreciated so we can close this compliant My direct line is 949-253- Thank you, [redacted] Compliance & Customer Service Manager Student Loan Aid Direct line: [redacted] Main line:949.SLA.HELP [redacted] Student Loan Aid, LLC Office: (949) 752- Birch St, Newport Beach CA www.studentloanaid.us

Revdex.com ID [redacted] ,As per our conversation on last Friday 2/20/2015, we made sure you were wired the refund, please confirm you've received that and respond to the Revdex.com to update them that this matter has been settled.Thank you,--Regards, [redacted]

Ms [redacted] advised me that she would contact the Revdex.com once she has received the refund check and she would let you know that everything has been met to her satisfaction And that everything has been taken care of and resolved

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Mr [redacted] , I received a wire transfer from Processing Services LLC in the amount of $on 12/9/My bank then proceeded to charge my account $for a wire transfer chargeWhile I realize you were attempting to take quick action on the matter as a response to my complaint to the Revdex.com, I never authorized for you to make a wire transfer to my account, and would not have in the event that my account is not set up to receive them I ask that Processing Services LLC issue me a check in the amount of $in order to refund to me the full amount I am entitled toI will consider our situation regarding the refund rectified once I have received my refund in full.As far as the entire situation being rectified, I also requested that your company release control of my loans to the original loan servicer, dispose of any and all of my personal information, and to provide documentation that these actions have been completedPlease see to these issues.Sincerely, [redacted] ***

[redacted] Refund Revdex.com ID [redacted] Hi [redacted] , I got a letter from the Revdex.com with your compliant, and I saw that Reuben, one of our Compliance managers had spoken to you last Wednesday on 9/17/ I left you a message regarding your file & issuing a refund right away I’m double checking with Andy from Accounting to make sure your refund was sent to you If you can let me know when that appears in your account that would appreciated so we can close this compliant My direct line is 949-253- Thank you, [redacted] Compliance & Customer Service Manager Student Loan Aid Direct line: [redacted] Main line:949.SLA.HELP [redacted] Student Loan Aid, LLC Office: (949) 752- Birch St, Newport Beach CA www.studentloanaid.us

[redacted] Confirmation of Cancellation & Refund Revdex.com ID [redacted] ,I have received the your complaint from the Revdex.com on 12/29, we promptly tried to reach out to your daughter [redacted] and left her a message about thisI saw on your file that Oscar, one of the [redacted] [redacted] s here had put a hold on her account to stop billingAnd also she and him had spoke about the reason for her wanting to cancel.Today, 1/2/I spoke with you, [redacted] , and we came to resolution that we will issue a refund check for the payments made, although verifiable there was work done on [redacted] 's file and her consolidation was completed 11/the same day we accepted her first payment , and her last payment of $on 12/was not yet dispersed on her account and that is because it was scheduled for disbursement.The cause for concern was that Fedloan put [redacted] under a program we didn't apply for, that was the Graduated program, and they contacted her that she had to make payments of $and was behind a month of paymentThat was not right, so have to put them under a forbearance and reapply with [redacted] 's pay stubs for the Income Based Repayment program that also known as Pay As You Earn.We applied for the IBR for her but Fedloan, we don't know why they put her under a graduated program which why they've been asking $a monthThat's not the program we applied for so after speaking with you, we decided that we'll correct the issue with Fedloan be sure we get her under the correct program, the IBRAnd we'll do that for no future charge and this will take up to days so I gave you the option that if after days if you or [redacted] are not satisfied we'll have no problem mailing the refund check.And we did confirm she is taken out of the billing cycle on your file as of Monday 12/29/2014.As well as for our clients private-nonpublic information we take great lengths to ensure that is protected.I will follow up with another correspondence to [redacted] & [redacted] directly to show the refund check has been written in good faith and to get the necessary details to complete the processing for the IBR.--Regards, [redacted] &Customer Service [redacted] Student Loan Aid [redacted] Dept:###-###-####Main line:949.SLA.HELP[redacted]

We are in the process of getting everything taken care of for Mr [redacted] , I spoke to him in regards to his complaint to the Revdex.comI have made him understand that services were rendered on our end and per the agreement we got him approved for the correct programAs a company we try and make sure that all clients are satisfied with the services provided and that is the reason that we have been in contact with him and are discussing a possible refundAt this time he understands that we have to review his account to see what type of refund he is eligible forHe also stated that once this is resolved he would contact the Revdex.com and let them know this has been resolved and met to his satisfaction

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me There was a check mailed, it was dated nov Somewhere in all the departments no one knew that the refund had been processed and that it was delayed in the mailI am glad to have the matter resolved Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below This complaint is no where near resolved no matter what the business told youThey have continued to withdraw money from my bank account despite multiple emails and phone calls demanding they stopThey are still changing my password and user name on my student loan (Navient) websiteThey continue to call me at times they know I'm at work and can't answer their callsThis business is very deceptive and relentlessDespite two written emails stating they need to cancel my account and return my money, they continue to withdraw moneyThe whole idea of going with them was to lower my loan paymentsNow I'm paying them AND NavientNone of the money I have had stolen from me has gone to my student loans.What are my options now? [redacted] [redacted]