Student Loan Counsel

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and hav ite determined that this proposed action would not resolve my complaintI have spoke to Great Lakes and my loans have not been consolidateI have also contacted Fedloan and they said they don't have any of my information under my social security numberI am not satisfied because they didn't do anythingI recently faxed over paperwork to Fedloan on my ownThey didn't do anything Regards, [redacted]

Yes it was resolved[redacted] Phone: [redacted] Fax: [redacted] [redacted]

Spoke with client and we had already remitted reimbursement to her prior to putting in complaint, please close it as informationalProvided client your email so she could email you this directlyLet me know if you need anything else from meHave a great dayThank youBest regards, Rick SilvaStudent Loan CounselorDirect: [redacted] Fax: [redacted] Email: [redacted] Web: www.studentloancounsel.org

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. Honestly Student Loan Council did give me false information and therefor didn’t hold up to what we agreed on. Everything that Student Loan Counsel promised did not happen! I didn’t get anything we agreed upon as their numbers changed and they added fees that were never talked about. From day one in May-2016 [redacted] (A representative of Student Loan Council) told me that because the Government is trying to help people pay back their student loans they have now approved forgiveness plan for full time employees. He then said that my student loan repayment plan would be $139.00 a month for 120 months and that the rest of my loans would then be forgive. As far as what they said about the 0 repayment for the next 12 months (this was already in place as I was in Forbearance process) so, nothing was done here. So, I’m not sure why they are saying they did this when in fact they didn’t!! Also, I verified this information with my Federal student loan in early August, and they stated that nothing was changed or done regarding my student loans. So, in August 2016- nothing was consolidated, nothing was moved the only thing that changed was my bank account was now negative $600.00! When I found this out I immediately contacted Student Loan Counsel to cancel and asked for a full refund on August 5, 2016. As far as the recording goes--Before the recording [redacted] and I talked about fees and he assured me that a portion of my $299.50 was going towards my student loans as well as filing fee. Then after I signed with them they change my monthly payment to $350 (An amount I could never afford!!). I want to note that Student Loan Counsel never called me or checked with me (I was the one calling in and checking to see how my paperwork was being handled and that is when I found out that my new payment plan changed from $139.00 to $350.00! I was shocked and said that there is no way I could afford that and that's when I contacted my federal student loan to get more information about this company. To this day I have yet to receive anything from Student Loan Counsel--absolutely NOTHING!! NOT a email or letter in the mail stating where my $600 went and what exactly they have done to help me pay back my student loan!! Also, I don’t ever remember saying okay to an additional charge of $34 dollars per month during my conversation I had with [redacted] . I was really taken back about that and I think they played around with the recording and I also noticed that [redacted] was intentionally going quickly over the information where I was unable to spot that fee. I again spoke to [redacted] and he confirmed that the portion of my filing fee was going to go towards my student loans and that’s why it was hired as the only reason I why agreed to it. Also, I would like to note that on the contract it is clearly states that I have 90 days to cancel if I’m not a full-time employee, which I am not currently. They clearly state that you must be a full time employ to qualify for this loan forgiveness and since I’m not --that alone entitles me to a full refund. Currently I’m just doing substitute teaching (which is not full time!!) so legally they have to give me back my money for those reasons. To review, I don’t believe Student Loan Counsel held up their bargain because: 1. Thy lied to me about what my monthly payment would look like.2. They never disclosed how much they were charging for filing fee! Which according to the Government filing for Loan Forgiveness is free!3. Also, I had no knowledge of the additional 34+-change fee that they were going to tackle on during this process. 4. And they never let me know that if my full time employee status changed it would void or change the contract. Thank you, [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 Regards, [redacted]

Client was fully reimbursed even though he signed an authorization allowing the payment to go throughPer the agreement, stating we would not be obligated to pay any additional fee other than any fee collected, in the event of cancellation, which the client signed and agreed upon, the same day client called and filed the complaint we reimbursed himClient signed an agreement and credit card auth authorizing the payment, albeit in good faith, we reimbursed client

I wanted to let you know that I did get refunded the full amount from the student loan counselThank you for your help in this matterIt is nice knowing we can come to Revdex.com to complain or get action to resolve issues like thisI really do not know how businesses like them can do this to so many
peopleUnfortunately, this is what the world has come toI feel sorry for the elderly and younger generation that can be fooled by all of these companiesIt is very sad and scary.*** ***

We just received this complaint recently, yet we had communicated with the client prior to it being received and everything has been resolved, also the client stated she emailed the Revdex.com stating the same. Please advise if you need any further information to get this closed
please. From: *** *** [mailto:***] Sent: Thursday, June 18, 10:AMTo: *** ***Subject: Re: Student Loans Hi ***, I spoke with *** and we've gotten everything resolved nowAll is well. Thank you. *** ** *** ** Thank you. Best regards, *** ***Student Loan CounselorDirect: ***Fax: ***Email: ***Web: www.studentloancounsel.org

We spoke with clientClient is happy that everything was refiled with his income. I let him know that payment will still be $but that they now have his income on-file. Client will call if he does not receive anything in the mail in days and client will refile on his own

Miss, the recording breaks down your monthly obligation and so does the agreement, it explicitly explains all fees and what goes whereAlso, in the recording it discloses that you are paying us the doc prep fees, and not paying fees to go towards your student loan paymentOne question in the QC recording is "Are you aware that we will not pay your student loans for you or on your behalf"

***, It looks like ***, the representative, already resolved this. Client resumed her file with us and stated she would notify you directly of resolution

We completed the document preparation services according to the agreement. Client is in a repayment for the next months, which is what she is eligible forInterest will always accrue until client completes the qualifying payments and her loans become eligible to be forgiven, these are
the guidelines for the public service loan forgiveness program.These guidelines are set by the government and not us, all we do is the document preparation work for the client to apply for the program, which we have completed successfully, if client changed her mind after she got in the program, that is out of our scope

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
In Speking with J*** *** of Student Loan Counsel, he assures me repeatedly that my loan was consdolidated with Dept of Education, on Feb 19th, 2016, however that was days after which it was suppose to have been completed and only after I contacted them to inform SLC that I was seizing my contract with them for representation. To date, in speaking with my lender at Dept of Eduation, they have not accepted a monthly payment of $agreeable and again they do not use a third party in loan consolidation. So I do not find this problem solved. I do not accept this settled. I have not agreed to any further payments with SLC and with no longer correspond with them unless it's through my attorney. Thank you for your time and consideration I am asking for a refund of $599.00 from Student Loan Consel for Misrepresention and Pretense of their product. *** ***

We thoroughly advise all clients what they are paying for, which is document preparation services, in writing and in a quality control recording verbally.We never advised client that they would be paying their loans through us, or we would be taking over their loans or anything of the sort.Client's
consolidation was completed and submitted on February 19th, and accepted for review by the DOE, which concludes our services. Client's payment was brought down by the application being accepted by the DOE, from a month to a month, not really sure what more we can do for the client.With that said, we have been attempting to reach client since the complaint was initiated, however we have been unsuccessful in contacting client, we have received no response by email or phone from client after numerous attempts made

We completed the work as per the agreement, we advised client in a recording what fees she was paying for us to the document preparation work and that she could do everything for free without paying us a fee, however client still opted to proceed with our doc prep services, in which we completed
said workClient has received a repayment as a result of our document preparation services, and now after everything is done client wants a refund

We have been attempting to reach the client to find a resolution and we have been unsuccessful. Client also failed to send in income docs or respond to the numerous requests for income proof processing requested, so per the agreement, we presumed client was currently unemployed and
proceed with her application

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I paid $so that I would be able to have lower monthly payments and a lower minimum balance I do not have those things I was under the assumption that my policy would stay under their control, not be moved to another loan company When I talk about the agreed upon agreement with the new company, they have no idea what I'm talking about and they state that they are not required to follow anything I set up with the loan counsel I would at least like my $returned
Regards,
*** ***

Client reimbursed per her request after work was completed due to her being unsatisfied. Below is a screen shot of the notes and completion of the work and the receipt of reimbursement. Have a good evening. Transaction
Result-----------------------Date: 07/29/12:06:27Reference #: ***Authorization: ***AVS Result: - No AVS response (Typically no AVS data sent or swiped transaction)CVVResult: - No CVV2/CVC data available for transaction. Transaction Details-----------------------Merchant: Student Loan CounselType: Credit Card Refund (Credit)Source: vtermUser: Student Loan CounselInvoice #: ***Amount: -299.50Description: Refund Due To CancellationCard Holder: *** * ***Card Number: xxxxxxxxxxxxxx***

Revdex.com:My loans are not in process to FedloanContact fedloan and find out for yourself If they are in processing to fedloan its because I faxed over the infornation myself on last thursdayStudent loan counsel didnt do their jobI dont agree with their discussionNow I would like to have a full refund of my moneysatisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

This guy wanted me to contact you guysHe's called a few times, getting kind of ridiculous so anything to get him to stop calling.He called about two hours after I sent my complaint in and told me I was getting a refund, a far cry from what he had said initially.Thanks