Student Loan Aid

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.
[redacted],
 
I emailed you Friday about the refund and it hasn't been issued. I went to my bank on Friday when I noticed the charge had been taken from my account. My bank said that the check either bounced or there was a stop payment put on from your end. Please get back to about this issue and let me know when I can expect my refund. 
 
Thank you,
[redacted]  
Regards,
[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 9/17/2014.
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 949-253-4006
 
Thank you,
 



 







[redacted]


Compliance &
Customer Service Manager
Student Loan Aid
Direct line:[redacted]


Main line:949.SLA.HELP
[redacted]
[redacted]







Student Loan Aid, LLC Office: (949) 752-4357 
4931 Birch St, Newport Beach CA 92660
www.studentloanaid.us

Hi [redacted],I spoke with you last week and we are rectifying the situation with you, making sure we return your payments.We are wiring all our customers that need outstanding refunds today, 12/8/2014Nothing is more important than Honoring our commitment to our customers even though no business...

further will be conducted with you.You can expect that to clear to your account by the follow day.--Regards,[redacted]Compliance & Customer Service ManagerStudent Loan Aid Compliance Dept:[redacted]Main line:[redacted]       [redacted]Student Loan Aid, LLC Office: (949) 752-4357 4931 Birch St, Newport Beach CA 92660 http:\\www.slahelp.orgThis e-mail message may contain confidential or legally privileged information and is intended only for the use of the intended recipient(s). Any unauthorized disclosure, dissemination, distribution, copying or the taking of any action in reliance on the information herein is prohibited. E-mails are not secure and cannot be guaranteed to be error free as they can be intercepted, amended, or contain viruses. Anyone who communicates with us by e-mail is deemed to have accepted these risks. Company Name is not responsible for errors or omissions in this message and denies any responsibility for any damage     arising from the use of e-mail. Any opinion and other statement contained in this message and any attachment are solely those of the author and do not necessarily represent those of the company.

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.
I didn't agree to proceed. I am staying with [redacted] at this time. My bank has stopped all payment to Student Loan Aid. I will be speaking with an attorney and will not respond to their phone calls or emails until cleared by my legal counsel.
Regards,
[redacted]

[redacted],
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, 10/16/2014.
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 3-5 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] Revdex.com ID 1[redacted]
Hi [redacted],
I got a letter from the Revdex.com with your compliant, and I saw that [redacted], one of our Compliance managers had spoken to you today, 9/22/2014. 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 service. We have corrected that, on last week Friday 9/18/2014 we suspended that service. Now our phones are ringing back into our office directly. And 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 services. And I thank you because we do value your business and care about you as a client. If there’s anything you need further just let me know, that would appreciated so we can close this compliant.
 
My direct line is 949-253-4006
 
Thank you,
 



 







[redacted]


Compliance &
Customer Service Manager
Student Loan Aid
Direct line:[redacted]


Main line:949.SLA.HELP
[redacted]
[redacted]







Student Loan Aid, LLC Office: (949) 752-4357 
4931 Birch St, Newport Beach CA 92660
www.studentloanaid.us

Fraudulent Revdex.com Complaint[redacted] <[redacted]@studentservices.help>12:01 PM (7 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 for. There 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 company. When we called to get the situation taken care of she was not satisfied with the results and unfortunately chose to take this route. We have reason to believe this individuals name is [redacted]Best Regards,[redacted]Retention's Department Manager(949) [redacted] (Direct Line)Student Services,LLC Office: (888) 337-257520929 Ventura Blvd. Suite 47425, Woodland Hills CA 91364Student Services

I spoke to Ms. [redacted] and she is completely satisfied with the outcome of our conversationWe have Issued her a full refund of the of what she has paid to to SLA and stated that once she gets the refund check she would contact the Revdex.com and let them know that all of her concerns have been...

addressed and Resolved.

[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 information. And 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 this. If 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]

To whom it may concern,On 3/24/2015 I filed a complaint through your company in regards to the service I have preciously received from the Student Loan Aid Office. However, since then I have been personally contacted a few times to discuss the matter, and at the present time everything I was concern about has been taking care of. That being said on this day 4/1/2015 I would like to cancel the complaint I have filed against Student Loan Aid Office and if anything else arises I will be in touch. Thank you for your time, [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.  There was a check mailed, it was dated nov 18. Somewhere in all the departments no one knew that the refund had been processed and that it was delayed in the mail. I am glad to have the matter resolved. 
Regards,
[redacted]

The situation with Ms. [redacted] has already been resolved and she is completely satisfied with the outcome, She was issued a refund on 5/11/2015, but we had to put a stop payment on the check due to the fact that all payments that were drafted from her bank account came back as...

disputed/revoked. [redacted] advised me that she would contact the Revdex.com and let them know that everything has been resolved to her satisfaction.

Better Business...

Bureau:
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.  The business has refunded me the full amount of what I've paid them and this complaint is resolved.
Regards,
[redacted]

Thank you in advance for allowing us to address this client's concerns. It is unfortunate that Ms. [redacted] (Client) feels that way about our company. It is always our goal to ensure all clients are 100% satisfied with our services. We have completed our review of this client's request....

Please review:This Client entered into the Service Agreement on December 2nd, 2014. This Client was confirmed as eligible for the PSLF Program. At that time, her loans were placed into a forbearance program to allow the consolidation to go through. ACS and NAVIENT were both placed into an active forbearance that was good through March 14th and 21st of 2015. On January 6th, 2015, we submitted the consolidation application through Fedloan for the ICR program. Client was again confirmed as eligible for the PSLF program. On January 7th, 2015 the PSLF was successfully submitted. We received a request to update loan documents for that program; client only sent back 1 pay stub and missed a 2nd pay stub. On Jan 12th, 2015, we requested the correct pay stubs from client. No response. On January 28th, 2015 we received a condescending email from client regarding the missing documents that had been requested. Client refused to submit documents to continue processing for the eligible programs. At that time, client had threatened us to file a Revdex.com complaint. We responded to her concerns and client decided to move forward. On Feb 2nd, 2015 we received the pay stubs from client and these were successfully processed. On April 23rd, 2015 we were instructed to re-apply for the ICR program until the PSLF would go through. Another forbearance was extended through Dec 2nd, 2015. Client had been past due and needed to get this processed to stop loans from going into default. On May 18th, 2015 forbearance was approved and active. On September 24th, 2015 we were requested updated income documents from client but we never received them after numerous attempts. On November 6th, 9th, and 10th we emailed client requesting documents; we finally received them on December. By then, we requested the forbearance extension and approved through January 1st, 2017. This is the reason why client requested to cancel. We have exhausted our efforts to complete services with client. We have honored her request to cancel and have emailed her the confirmation as well. Furthermore, client is not eligible for a refund as she was given the written confirmation of our fees:2. Fees for the Services. The fee to employ the services of Processing Services, or its designee, successor, affiliate or assignee which covers a Management Program Cost for the 1st Year, plus a Yearly Renewal Cost of $499. The fees and costs to employ the services of PS are stated in Section D of Schedule 1, which Schedule is attached and incorporated as a part of thisAgreement. The fee due to PS for the first year of service hereunder is referred to in Section D of Schedule 1 as the “First Year PS Management Program Fee.” It is understood and agreed that this fee is to be divided up among an initial down payment amount and twelve (12) equal monthly payments thereafter. The down payment amount is described in Section D and Client agrees this amount is due and payable on the date specified in Section D. Client agrees the monthly payment amounts are scheduled to occur each month on the day set forth in Section E of Schedule 1. After Client has paid in full the First Year PS Management Program Fee for the first year of service, Client will then be eligible to continue to receive the Services from PS at the reduced rate of $499 stated in Section D of Schedule 1 (referred to as the “ PS Program Continuation Fee”), divided into twelve (12) equal monthly payments, to be collected and paid each month on the date specified in Section E of Schedule 1. Management Program Yearly Renewal is automatically renewed each year split into an even monthly payment option, unless otherwise indicated.Client allegations as to negative credit reporting and misleading her is false. This is the confirmation of the Funds allocation and payment authorizations . This was also a written statement disclosure on the Service Agreement. Please review:3. Funds Collected and Disbursed by PS’s Designated Agent. To allow for Client to have a single monthly payment and to better facilitate the collection of funds and payment of fees and/or student loan payments, the parties desire PS to engage the services of Payment Automation Network ("PAN") to provide account collection and payment distribution services, whereby PAN will collect funds from Client and distribute said funds to pay Client's student loan payments and/or PS's fees. Client acknowledges that any student loan payments that are made through the services of PAN are an added benefit to Client but Client remains fully responsible for the repayment of Client's student loan(s) and Client will not hold PS liable for any loan not being paid. Client understands that if PAN is unable to collect the required funds from Client as a result of returns, insufficient funds, chargebacks, account changes, suspensions or cancellations then no payment will be made on Client’s student loan(s). 4. Payment Authorization. Client hereby authorizes PAN, or its designee, successor or assignee, to deduct all payments due per this Agreement from Client's account with the financial institution listed in Section C of Schedule 1 or from such other account that may be specified by Client from time to time (“Client’s Account”). Client understands that all amounts will be collected through an automatic recurring monthly debit to Client's Account. This will be accomplished through Automated Clearing House processes (“ACH”). Client acknowledges and agrees to pay any service fees and costs charged by PAN as set forth in a separate agreement between Client and PAN. Client understands that PAN is a separate company from PS and PAN's fees are in addition to PS’s fees. Client authorizes Client's financial institution to accept and to charge any debit entries initiated by PS or PAN, or their respective designee, successor or assignee, to Client’sAccount. This authorization for automatic withdrawal of fees/payments is to remain in full force and effect until PS has received written notice from Client of Client's termination of this Agreement in such time and such manner as to afford PS and PAN reasonable opportunity to act. Afee/payment (whether paid by debit or other means) that is not honored by Client’s financial institution for any reason may be subject to a $25.00 service fee imposed by PS, the amount of which may be debited from Client’sAccount. Client understands that PS’s fee for services hereunder is an amount is determined based on payments being made via automaticACH debit from Client’sAccount. 5. Monthly Payment Schedule;. The total estimated recurring monthly payment amount that Client is to pay for the first year of service hereunder and which will be collected from Client’sAccount by PAN is set forth in Section E of Schedule 1 (the “Estimate of Total Monthly Payment”). This amount is the sum of (a) an estimated amount to be collected from Client to pay Client’s student loan servicer(s) once the consolidation/restructure has been approved/completed, (b) any reserves or loan payments not included in the consolidation, (c) monthly installment of the Management Program Fee, and (d) PAN’s service fee. Client understands the student loan consolidation/restructure approval process typically takes approximately 60 days, and until the final loan payment amounts are finalized, Client authorizes PAN to deduct the Estimate of Total Monthly Payment from Client’s AccountClient request for a full refund has been denied. Client was given a 14 day refund period and full money-back guarantee. This was also a written statement disclosed to client:6. Cancellation; Fourteen Day Refund Period; Money-Back Guarantee. Client may cancel this Agreement and receive a full refund of all fees paid to PS if Client cancels within 14 days from the Date of Signing this Agreement (the “14 Day Refund Period”). Client may also cancel this Agreement and PS will refund to Client 100% of any fees paid to PS by Client if Client is rejected for a student loan consolidation/restructure by DOE or Client’s loan servicer(s). If Client chooses to cancel, Client must do so in writing to the physical address 4931 Birch st, Newport Beach CA 92660 or by calling in and speaking with an authorized representative and receiving an confirmation cancellation email. 7. Termination Upon 30 Days’ Notice. Either party may terminate this Agreement by providing the other party written notice thereof, and thisAgreement shall then automatically terminate thirty (30) days after the date such notice is delivered. Except as required by Section 6 above, in the event Client terminates thisAgreement pursuant to this Section 7, PS shall not be obligated to refund to Client any fees collected. 8. Direction to PAN Concerning Disposition of Funds. Client authorizes PAN to act as the authorized agent to collect funds from Client and distribute said funds, according to the terms of this Agreement. Specifically, Client authorizes PAN to collect the payments from Client described in Section D and E of Schedule 1. Client authorizes PAN to release to PS any amount of funds collected from Client allocable to fees due to PS, which includes the entire down payment amount. Pending the issuance of theApproval Letter, all funds collected during this period that are allocable to estimated student loan payment(s) (if applicable) will be held in escrow by PAN pending the issuance of theApproval Letter. Once theApproval Letter is issued, and provided Client has not previously cancelled or terminated thisAgreement pursuant to Section 6 or 7 above, then, in addition to releasing payments for fees due to PS, PAN will commence making payments to Client’sstudent loan servicer(s) from funds collected from Client, as specified in theApproval Letter or as otherwise directed by PS. If Client cancels or terminates thisAgreement pursuant to Section 6 or 7, then any funds held with PAN in connection with this Agreement, which are not fees due to PS or PAN, will be released to Client; provided, however Client understands any funds that may have been previously released by PANto make a payment on Client’s student loan(s) will not be recoverable.Lastly, client failed to comply with providing us with the requested documentation from the Department of Education over and over again. The following disclosure within the Service Agreement confirm client her right to pursue financial assistance on her own "free of charge" and she continued to agreeing on our services all along. Please review:10. Client to Provide Complete and Truthful Information; Client’s Annual Income. Client understands that it is crucial for PS’s purposes that Client provides PS with truthful and accurate information. PS is entering into this Agreement and is agreeing to provide the Services described herein based on the information provided by Client. Client expressly represents and warrants to PS that Client has and will at all times provide PS with information that is complete, accurate and true to the best of Client's knowledge and belief. Client hereby represents to PS that to the best of Client’s knowledge and belief, Client’s annual income as of the date of thisAgreement. 12. Procedures for Annual Renewal. Client understands that annually new information may be required to be submitted to DOE or Client’s student loan servicers in order to maintain Client in the best student loan repayment plan available. Annually, three (3) months before Client’s annual loan program renewal is due, Client will provide updated financial information to PS so PS is able to timely process the new applications to be submitted to DOE or Client’s student loan servicer. If PS does not timely receive such information from Client prior to the due date for Client’s loan renewal application, in order to avoid Client’s student loan payment falling out of the previously approved loan program and potentially causing Client to be placed into a less desirable payment plan, Client authorizes PS to request, on Client’s behalf, for Client’s loan to be placed into a ninety (90) day forbearance status with DOE or Client’s loan servicer, in order to allow Client and PS additional time to obtain and submit the required updated information to complete Client’s renewal application. If after such 90 day forbearance PS has been unable to obtain the necessary information from Client to complete Client’s renewal application with DOE or Client’s loan servicers, PS may then terminate this Agreement, and PS will notify Client of such termination by sending notice thereof tothe last known address for Client in PS’srecords. 13. Indemnification and Release. Client hereby agrees to defend and hold harmless PS, or its designee, successor or assignee, from and against any liability of any nature whatsoever arising out of or in connection with Client’s breach, in whole or in part, of the representations and warranties herein contained. Client understands that PS is not a financial advisor, tax advisor or attorney. Client should seek independent counsel from a qualified expert to offer Client with advice with respect to the Services to be provided by PS and the impact thereof on Client’s finances, taxes or loan related liability. Except for cause, Client unconditionally waives any right of action against PS, its officers, directors, employees, agents, attorneys, brokers and assigns, at law, equity or any other cause of action for any reason, directly, indirectly or proximately believed to arise out of thisAgreement, for any damages of any nature whatsoever that Client may incur by reason of Client following any recommendation of PS or Client’s failure to follow any recommendation of PS, whether any singular, concurrent or series of recommendations are acted upon or not acted upon in whole or in part by Client. 14. Free Help. The government has an array of free borrower-assistance programs. Former students can temporarily stop payments or make smaller ones because of hardships, such as an illness or job loss. Borrowers can sign up for plans that tie payments to their incomes and the size of their families. In some cases, over time, the loans can be forgiven. Former students can consolidate multiple loans into a single debt with one payment. Customer has been informed by Processing Services, LLC and understands this is a free service provided by the government and allows consumers to execute this service on their own behalf.

Hello and thank you for the opportunity to respond to this complaint, We have attempted to contact Ms.[redacted] but unfortunately we have  not had any luck, we want to make sure that all her concerns are addressed accordingly but that it hard to do with no communication or cooperation on her end. Once we do get a hold of her we will get all of this resolved and make sure that she is satisfied with the outcome of our conversation. And we will also ask that she notified the Revdex.com that this matter has been resolved. Best Regards,

I have received the response from client and have no further comments. Services were fully rendered as per the Agreement of Services.

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.
After reviewing the response the company has made to the Revdex.com in regards to my discussion with them, I am very upset that they have lied about things on multiple occasions, mainly the things I say as well as the things they said they have done. I, by no means, agreed that I understood their services were rendered. The man I talked to offered me claims that services were rendered, and that payments were made on my behalf and that they had proof of such claims. I told the man I understood that they had performed an initial service but after that they failed to do what they had agreed to do. He told me he would contact me again with check numbers showing proof that payment was made to my borrower. I gave him a chance, he told me he would contact me the next day with the information to prove they had done something. During the day I had called the borrower who they were suppose to be making payments too and after a quick discussion they informed me that only 2 payments have been made on that account since it was consolidated, which is not what he was trying to say. His claims were that as a company they mislead me into thinking more services would be rendered than what were, I agreed to a small portion of what they did however they did not do the continued services that they tried to say they charged me for. So in short, he lied about what I said, lied about contacting me, and lied about what his company actually did. I am not satisfied with how they handled it, they believe that simply saying that the check is in the mail with no proof on either side is good enough to justify their actions.
Regards,
[redacted]

To Whom It May Concern:Thank you very much in advance for allowing us to address/respond to Ms. [redacted] (Client) complaint. Client was accepted for our managing/processing services since August 19th, 2014. When we accepted client's student loans, she was in an active forbearance...

 with Nelnet- that was good thru 11-02-2014. ACS- was in a deferment until 12-21-2014. 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 $27411.00 and actually verified at $31642.00. Client was properly disclosed this dollar amount variation would result in a slightly higher repayment amount. She was not happy about it but decided to move forward regardless. Client 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 involved. In 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 mortgage. Checked the [redacted] account and the consolidation was completed. We made sure [redacted] (formerly [redacted]) was reporting the correct consolidated amount. Client was also confirmed approved for Standard payment of $271.44 due on 11/20/14. Client approved for ICR (Income Contingent Repayment program) 10months for $0.00 12/20/14 to 12/20/15. Client was renewed services and placed on correct repayment plans all along. Recently, client refused to continue with services after she requested a letter for her mortgage company to evaluate her for a mortgage loan again. Our concerns: constant accusations of possible fraud are taken seriously by our Company. Especially when we have completed so much work for Client. Another 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 loans. We 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 that. In conclusion, we have collected a total of $1943.10 from 10/29/14 to 3/29/16 in broken up fees Client agreed upon and signed off on Service Agreement. We 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 refunds. We 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

[redacted] <[redacted]>Feb 9 (2 days ago)to [redacted],I have taken this matter to [redacted] and he will be issuing the refund.I apologize the billing issues and we did follow up that day ensure that is all taken care of accordingly.I confirmed that the refund has been sent in the form of a check and I understand you deem that as acceptable.[redacted], please email us to respond back when he has received the refund to know everything is settled on your account.Regards,[redacted]

I have spoken to Ms. [redacted] and she is satisfied with the outcome of our conversation, she stated that she would contact the Revdex.com and advise that everything has been resolved and met to her satisfaction.