Student Loan Exchange

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 was the response they sent me, so I was under the impression that the application was completed until Navient contacted me months later saying my payments are overdue I was under the impression that they took care of it , Navient confirmed to me that no payment or application was submitted on my behalf This is why I request a refund since the service was not provided and I have to do the process myself I called back Navient and they said the application was wrongly submitted , Navient never receive released of authorization , the corresponding email was change to student loan exchange email and Navient have been contacting them on the payments Application was not completed until after I called them Navient sent me a letter acknowledging that the application was not complete I will forward this document to you once I receive it hopefully will receive it within couple days Regards, [redacted]

In an effort to be fully transparent I have attached our notesPlease protect them for the privacy of our employeesAs you could see we have tried locating the funds the client has complained aboutClient charged us back but wanted to continue serviceAfter charge back, we never received the fundsWe have even sent the client the documentation we got from our bankClient was supposed to send a check but there was many excuses the client gave us about that tooWe have spent so much time with this clientUsual problems we do not have because client does not want to send funds

Revdex.com: I have taken steps to further resolve this issue since is has yet to be resolvedI hope this does not happen to anyone else 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] ***

We spoke with [redacted] about an hour after he sent an email [redacted] said he couldn't talk and had to go into a meetingHe later sent an aggressive email saying that he took care of it We are happy to provide proof that everything was done correctlyThe client had separate loans with Fedloan Servicing when he originally signed upHe now has a consolidated loan with Navient, a servicer that he did not have before our services, so we know the consolidation was successfulIn [redacted] case, the repayment program was not applied in a timely mater after the consolidation because we had to ask for income documents from the client multiple times for him to comply but eventually he didWe spoke the the servicer with the client on 12/11/and again on 03/04/16, both times the servicer reassured both us and the client that they received everything we sent, they just had to apply it Client was impatient and chose to blame us, we can not control thatHe was changing his mind on a weekly basis as you will see in the notes whether or not he wanted to cancel which also kept delaying the processIn the end everything was applied the application was filed and the consolidation was completed as we stated in our contractWe have always followed up with the client and have call records of doing soThis unfortunately is one person that cannot be satisfied no matter how much we did or time we spent on his file

This client was processed on September 9th, We received confirmation of the application by Navient via emailWe do not know why the client was told otherwiseAttached is an email from Navient with proof of application sent and completedOften times the servicer does not complete their end but it is an easy fixThe client refused to allow us to talk to him on 02/16/and hung up when we tried explaining to him that we sent everything necessary

Clients application was completed and request for a repayment program was sent on 3/14/ Client called in on 7/21/saying we were a scam and wanted to cancel Client called back an hour later, saying she changed her mind and wanted to stay with usLikely the servicer scared her into cancelingProof of services rendered are available upon requestAs well as possible client recording of cancellation request and reinstatement request [redacted] Student Specialist Student Loan Exchange Office: Ext***Fax: [redacted] [email protected] www.studentloanexchange.org

Clients application was completed and request for a repayment program was sent on 3/14/Client called in on 7/21/saying we were a scam and wanted to cancelClient called back an hour later, saying she changed her mind and wanted to stay with usLikely the servicer scared her into cancelingProof of services rendered are available upon requestAs well as possible client recording of cancellation request and reinstatement request [redacted] ***Student Specialist Student Loan ExchangeOffice: Ext***Fax: [redacted] [email protected]

We have responded to this complaintThe client has not complied with our only requestThe same request we've made several timesWe simply need one form filled out to confirm the clients disabilityWe can not process with documents that she "WANTS" to send, we must follow the guidelines set forth for each programWe have explained this, as seen in the previous documents sentSince the client made a complaint with Revdex.com, she has still contacted us and we have again requested the information, we have still not received it

Clients application was completed and request for a repayment program was sent on 3/14/16.
Client called in on 7/21/saying we were a scam and wanted to cancel.
"">Client called back an hour later, saying she changed her mind and wanted to stay with usLikely the servicer scared her into cancelingProof of services rendered are available upon requestAs well as possible client recording of cancellation request and reinstatement request.
[redacted]
Student Specialist Student Loan Exchange
Office: 888.316.3902 Ext[redacted]Fax: [redacted][email protected]
www.studentloanexchange.org

Revdex.com, We have attached emails in regards to the conversations we've had with the client. Numerous times we requested specific documents from the client, the client refused to send them and insisted that we send the documents she wanted to provide. During the process we...

followed the clients directions as we warned her of the high possibility it would not be accepted. The client insisted we follow her route. When her route did not work, as we predicted, she still refused to send in the documents that we asked for. We have denied her request for a refund as we have tried to process the client and uphold our end of the services. We have even offered to continue our services but the client does not want to continue because the way she wants it done does not work.

In an effort to be fully transparent I have attached our notes. Please protect them for the privacy of our employees. As you could see we have tried locating the funds the client has complained about. Client charged us back but wanted to continue service. After charge back, we never received the...

funds. We have even sent the client the documentation we got from our bank. Client was supposed to send a check but there was many excuses the client gave us about that too. We have spent so much time with this client. Usual problems we do not have because client does not want to send funds.

We spoke with [redacted] about an hour after he sent an email. [redacted] said he couldn't talk and had to go into a meeting. He later sent an aggressive email saying that he took care of it.
We are happy to provide proof that everything was done correctly. The client had 5 separate loans with...

Fedloan Servicing when he originally signed up. He now has a consolidated loan with Navient, a servicer that he did not have before our services, so we know the consolidation was successful. In [redacted] case, the repayment program was not applied in a timely mater after the consolidation because we had to ask for income documents from the client multiple times for him to comply but eventually he did. We spoke the the servicer with the client on 12/11/15 and again on 03/04/16, both times the servicer reassured both us and the client that they received everything we sent, they just had to apply it.  Client was impatient and chose to blame us, we can not control that. He was changing his mind on a weekly basis as you will see in the notes whether or not he wanted to cancel which also kept delaying the process. In the end everything was applied the application was filed and the consolidation was completed as we stated in our contract. We have always followed up with the client and have call records of doing so. This unfortunately is one person that cannot be satisfied no matter how much we did or time we spent on his file.

Revdex.com:   The client called in on 02/16/17 and we tried explaining what steps we must go through as the clients forbearance ended and they received a bill before the process was completed.  Do to our efforts, the clients loans were successfully consolidated into the proper loan necessary to qualify for repayment programs. We were just waiting for the repayment programs to be applied, which takes time.   The client, understandably upset, interrupted us with demands and threats, not allowing us to make a proper determination or decision.  We immediately honored the clients decision to cancel that day.   Entering repayment programs is often a process and can take time. Depending on the type of loans, status of the loans and steps needed. Often times an application can initially be denied due to a minor technicality or incorrect information that the client provides.  However, upon notice, we can quickly correct and move forward with the process.  Refunds can and will be given, if a determination is made that the process was failed or incomplete.   Thank you,   Student Loan Exchange

We do not guarantee any activity good or bad on credit reports. Student Loan Exchange never pulls our clients credit reports nor do we have control over the time servicers report any changes. We advised client we needed income docs on 01/19/17 and again on 02/03/17. This client sent in her income...

documentation on 02/09/17, her file was processed the same day. Like we advised this client, it takes 90 days from the day she is processed. The soonest she could see a possible change is 05/09/17, we are only about half way through the process. We can not control the time it takes to process as the servicers require 90 days to complete. We advised 90 days from the time she is processed, not 90 days from what ever date she chose to start counting from.

We spoke with [redacted] about an hour after he sent an email. [redacted] said he couldn't talk and had to go into a meeting. He later sent an aggressive email saying that he took care of it. We are happy to provide proof that everything was done correctly. The client had 5 separate loans with Fedloan...

Servicing when he originally signed up. He now has a consolidated loan with Navient, a servicer that he did not have before our services, so we know the consolidation was successful. In [redacted] case, the repayment program was not applied in a timely mater after the consolidation because we had to ask for income documents from the client multiple times for him to comply but eventually he did. We spoke the the servicer with the client on 12/11/15 and again on 03/04/16, both times the servicer reassured both us and the client that they received everything we sent, they just had to apply it.  Client was impatient and chose to blame us, we can not control that. He was changing his mind on a weekly basis as you will see in the notes whether or not he wanted to cancel which also kept delaying the process. In the end everything was applied the application was filed and the consolidation was completed as we stated in our contract. We have always followed up with the client and have call records of doing so. This unfortunately is one person that cannot be satisfied no matter how much we did or time we spent on his file.

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 was the response they sent me, so I was under the impression that  the application was completed until Navient contacted me 6 months later saying my payments are overdue . I was under the impression that they took care of it , Navient confirmed to me that no payment or application was submitted on my behalf . This is why I request a refund since the service was not provided and I have to do the process myself . I called back Navient and they said the application was wrongly submitted , Navient never receive released of authorization , the corresponding email was change to student loan exchange email and Navient have been contacting them on the payments . Application was not completed until after I called them . Navient sent me a letter acknowledging that the application was not complete . I will forward this document to you once I receive it hopefully will receive it within couple days 
Regards,
[redacted]

Revdex.com: I have taken steps to further resolve this issue since is has yet to be resolved. I hope this does not happen to anyone else.
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]

This client was processed on September 9th, 2016. We received confirmation of the application by Navient via email. We do not know why the client was told otherwise. Attached is an email from Navient with proof of application sent and completed. Often times the servicer does not complete their end...

but it is an easy fix. The client refused to allow us to talk to him on 02/16/17 and hung up when we tried explaining to him that we sent everything necessary.

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.
Student loan exchange is not telling the truth. It is funny how every post is a negative against them. That is because they mislead people. They asked for the TDP to be filled out, however my loan company sent it to me to fill out plus asked for additional paperwork that SLE did not even know I needed. [redacted] also told me that I was scammed as they do not deal with a third party, they only deal with the person responsible for the loan. SLE also told me they were a member of the Revdex.com when in reality they are only on this because of all the negative response. I would like me a full refund. Student Loan Exchange does not take responsibility for their actions as I have read the complaints they like to blame their customers. FULL REFUND. DO NOT USE RHIS COMPANY CALL YOUR LOAN COMPANY YOURSELF THEY CAN HELP YOU FOR FREE,  STUDENT LOAN EXCHANGE WILL TELL YOU THE OPPOSITE THEN CON YOU INTO GIVING THEM MONEY TO HELP YOU!!! RUN!!!I would love me a refund or I will have no choice but go to the state attorney
Regards,
[redacted]

Clients application was completed and request for a repayment program was sent on 3/14/16. Client called in on 7/21/16 saying we were a scam and wanted to cancel. Client called back an hour later, saying she changed her mind and wanted to stay with us. Likely the servicer scared her into...

canceling. Proof of services rendered are available upon request. As well as possible client recording of cancellation request and reinstatement request. [redacted]Student Specialist Student Loan ExchangeOffice: 888.316.3902 Ext. [redacted]Fax: 714.375.6445[redacted][email protected]...⇄