United Advisors Group

Client was consolidated and program placement was completed in October The payment break down was suppose to be uploaded to Secured Account Service (Trust Company SAS) in order for SAS to start making lender paymentsAn old employee of UAG [redacted] never did uploaded the document as she was suppose toShe is no longer with us as this was not the first mistake she made Instead she had them make a one time lender payment on 10/and 3/This client was given a refund of all payments made after March $total when the mistake occurredThank you for your time please let us know if you need any further informationKind Regards,United Advisors Group LLC

Thank you for letting us know about the client complaint. United Advisors Group had a representative by the name of [redacted] work with this client to resolev the issues. Fed Loans had canceled the consolidation submitted on behalf the client and United Advisors Group... has resubmitted to move the process along. The client does not want to wait as it is taking longer than normal even though UAG has no control of the time frame. The client has received a full refund and has decided not to move forward at this time. The client is advised to contact UAG if she needs any help in the future. Thank you for your time please let me know if you need any further information. Kind Regards, United Advisors Group LLC

This client claims no payments have every been made to her account and because of that she will be contacting an attorneyUAG explained to the client that because she qualified for a $payment through the Department of Education due to her income back last AprilEven thought the client qualifies for a $payment that payment still counts towards repayment and discharge of the loanClient was extremely rude, telling UAG employees shut up as well calling them a [redacted] UAG told the client that not only did we do the work but also completed a whole yearthis client does not understand how the program worksAs to the client stating they are past due days, this client is up for renewal as of April This program is income based and must be re applied for every months through the department of EducaitonThey take the most current income and determine if the payment should stay the same, increase or decreaseUAG has been trying to renew this client with no successIf a client fails to renew each year they automatically fall into a standard program that is the largest payment you can have with the servicer If the client would take the time to review the contract signed it is very clear as to the process and service provided by UAGThis client has been cancelledThere is no reason for an adult to speak to another adult in this manner especially when the job was done correctly Below is a link that explains the program from the Department of Education website to ensure the job was done correctly https://studentaid.ed.gov/repay-loans/understand/plans/income-driven To make such treats as this person has one to UAG without understanding the process is very un professional and should be removed Thank you for your time please let UAG know if you need any further information at this timeKind Regards, United Advisors Group LLC

UAG engages in fraudulent and unethical business practices Not only did they take my money for months with no proof of any work done on my student loan consolidations, they only responded when I stopped paying them monthly payments for the "services" they allegedly provide In addition, they are highly unprofessional, rude and unresponsiveMy case was not worked on until I sent strongly worded emails indicating I was filing a complaint with the state Attorneys General office After repeatedly trying to cancel with them, I was told I "could not cancel." Suddenly, and without any communication in writing or verbally, my loan was sold to a company I did not approve or chooseBecause of UAG's fraudulent practices, I lost a considerable amount of money to them and now have a loan with a servicer that was far worse than the government loan servicer I had before This company should be shut down and I am hoping my complaint with the California State Attorney General will do so I urge others who have been scammed by UAG to contact their state attorney general and file a complaint

This is a complaint in error as this client has been cancelled with UAG for a yearThe client was not even a client for a month when she told UAG she was cancelling to work with another company Client will reply to the Revdex.com as wellIt is clients like this that have placed so many UN necessary complaints on the Revdex.com about UAG without looking at the details or reading the contract before submitting a complaintThe contract gives the details of UAG's service very clear with a very fair refund and cancellation policyUAG's Revdex.com shows many complaints but it does not say how many of the are bogus and should be removed hurting our reputationIf you need any further information please let UAG knowKind Regards,United Advisors Group LLC

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 am not satisfied because I have sent her a picture of the email that was sent to [redacted] and she claims it is to small to readwhen I pull it up I can read it just fine I am not going to go through this company no more I have asked numerious times to stop what they are doing and refund my money, it's alway's an excuse and there still trying to move forward this is the second time I sent her the pictureplease see attatched filei have also sent [redacted] the same photo as well.Regards, [redacted] ***

This client's account was closed on 4/8/The client was upset that the consolidation was still pending United Advisors Group LLC has no control over the time it takes the Department of Education to process the consolidation applicationThe client did not want to wait, consolidation canceled and client refundedIf you need any further information please let UAG knowKind Regards, United Advisors Group LLC

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 In typing my address I made a tranposition on the apartment numberThe corrected address is: [redacted] Regards, [redacted]

UAG called this client and worked everything outHer income was submitted in July to the lender but the letter was denied and new income needs to be submittedShe is resubmitting updated income and has a direct contact [redacted] who she is working withShe will continue with the UAG service at this time

This client has decided to move forward with UAGLoans were consolidated on 1/23/This client already made a Fed Loan Servicing accountFor some reason the program placement was submitted but is still pending and has not gone throughUAG is re submitting and will make sure it goes through on behalf of the clientThe program placement is the last phase of the program until months have passedThe client is to call [redacted] at ext [redacted] with any questionsIf you need any further information please let us know Kind Regards, United Advisors Group LLC

This file has been closed and a refund has been issuedThe refund will take days as it is sent back via ACHGTX has been closed as well (trust company)If you have any further questions please reach outKind Regards,United Advisors Group LLC

Thank you for the information provided [redacted] signed up for United Advisors Group LLC (UAG) service on 4/29/ She has paid total payment this far UAG ***n split her first payment into two payments as she needed financial assistance which we don't normally do The status of her file is the consolidation is till pending with the Department of EducationThe consolidation can take 60-days depending on the work load the Department of Education currently hasOur company UAG has no control over the DOE and cant rush their processWe are simply a service that people can use to process the paper work for you as you have an accountant do for your taxesOur disclosures clearly state that the client can do this on their own, we are not part of the government and and simply provide a service This client was informed to qualify for disability discharge she must fax us the disability discharge paper work other wise we cant apply for that optionShe said she would fax it in on 6/19/and it still has not been received The next step in the process will be the DOE will send the repayment terms and summary upon approval to finalize the processAt this time we cant stop the consolidation This file has been processed accurately and efficiently as we try to do for all clients We are glad to answer any questions [redacted] still has at this time or we can stop processing her consolidation and she can take it over from hereUAG can offer a refund on 1/the feels paid at this time as everything was done as promised in the disclosures Please let me know what the client prefers and we can proceed accordingly Thank you for your time it is appreciated Kind Regards, United Advisors Group LLC

Thank you for informing us of the client complaint [redacted] an employee from United Advisors Group has reached out to the client to discuss the confusionThe client has asked for a call back later today after 4:EST [redacted] will contact the client thenEverything was done correctly as the disclosures stateThe client has been consolidated and approved Client relations has talked to this client several times and everything she has complained about is clearly stated in her disclosures she signed originallyUnited Advisors has consolidated the clients Student Loans through the Department of Education programs with no problemsAt this time it may be confusion which [redacted] will clear up later today on her call with the clientIf you need further information please contact us right away Kind Regards, United Advisors Group LLC

This Client has been cancelled out with UAGthis client was consolidated, program placement was done, and we submitted the Disability paperwork during the first year with no issuesWhen we renewed we should have asked for income and should have sent another disability paperwork since he still hasn't been approved but we didn't Refunded $client is still not satisfied and claims we did not consolidate since all his loans are still with the same lenderWe did consolidate just got consolidated with the same lenderKind Regards,United Advisors Group LLC

This file has been closed with UAG and a refund for monthly payments has been issued for $ Kind Regards, United Advisors Group LLC

This client has notified [redacted] a manager at UAG that he sent his income verification to [redacted] a previous employee in AprilWe have been waiting on the income to finish the process on his behalfThe client is going to forward the email he sent [redacted] to [redacted] the manager if we get he email a refund will be given from April to presentIf no email we will request the income again and finish the process with no refundThank you for your timeKind Regards,United Advisors Group LLC

UAG has done nothing wrong and this client is acting irrationalI was going to refund all payments since renewal which was $but the client already revoked the charged plus another revoke of $dollars in JuneShe reversed a total of $UAG has followed its contract and done as promisedThis client refuses to listen and is very rude and dis respectfulThere will be no more contact between UAG and the client as UAG will not be spoken to in the manner this client has selectedIf you need any further information please let us knowThank you for your time Kind Regards, United Advisors Group LLC

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 NEVER told to me. Mr. [redacted] did not tell me that I qualified for a $0 payment. If that is the case, why did Fedloan.gov report that I was past due and no payment was ever made on my account since December of 2014 when they acquired my loan? When logging on to my account, my monthly payment was $1846.19 a month not $0. It was also never told to me that my payments still counted towards the discharge of my loan. Yes, I was rude to Mr. [redacted] , who continued to talk over me as I was attempting to get answers to my questions. Yes, I did tell him to shut up and did call him a [redacted] *** He and his company took money from me! I was completely upset! Yes, I do know how the program works and I know after investigating the status of my student loans, that my income based repayment plan which I sent UAG the paperwork for in September of 2014 for 2015 including my current pay stubs and tax information from 2014 was never submitted as stated it would be. Again, since Nov. of 2013 I have been making monthly payments to UAG through Secure Account Services with the promise that my monthly student loan payment was being made on my behalf. This was clearly never done. Taking money for services that were never completed sounds like theft to me. If my monthly payment was indeed $0 a month, why was UAG collecting monthly payments from me in the amounts varying from $360 to the most recent payments of $150.20 per month? Where did this money go? Obviously not to pay my student loans as stated it would in the contract that I signed in Nov. 2013. I was not up for renewal as of April 2015. I was up for renewal as of Jan. 1, 2015. UAG contacted me in Sept. of 2014 and asked me to provide my income, and tax information so that they could begin the process of renewing my income-based repayment program. April of 2015 means nothing, other than a date that UAG is putting out there. Being 97 days past due had nothing to do with a renewal in April of 2015. It means that UAG did not pay my loans and hadn't since they were consolidated with Fedloan.gov in Dec. of 2014. Nor did they pay my loans prior when they were with Great Lakes Loan Servicing and Navient. Both organizations verified that no payments in any amounts were ever submitted on my behalf since I signed up with UAG. Since Nov. of 2013 I have paid $4132.11 to UAG. I was able to get a refund back from Secure Account Services who was the trust company who held my money. However, there was only $1334.88 in the account. I was also able with the assistance of my bank to file a bond claim and get two payments of $150.20 back for a total of $300.40. This leaves $2546.83 which was taken and unaccounted for. I have reviewed my contract several times and UAG is in clear violation of it. It should also be noted that since I canceled my account with UAG on 6/17/15, and told them they are no longer to have access to any of my accounts, UAG attempted to illegally log into my Navient online student loan account to change my address back to the address of their company in Irvine, CA. Navient caught this activity and contacted me immediately. UAG does not have permission to access any of my student loan accounts. With Navient's assistance, I am reporting to the US Dept. of Education that my account was accessed without my permission. As far as contacting an attorney, yes I have. I have several written complaints sent out to many different state and federal agencies that will be investigating the alleged fraudulent activity. Also, as far as making threats, there were no threats made. The fact was stated that I would contact an attorney, which I did, and follow up on the options that I have in order to file complaints against UAG which again I completed. While I admit that I could have handled myself more professionally on the phone, I do not dispute the fact that $2546.83 was taken from me and I want that money back. [redacted] N. [redacted] Regards, [redacted]

This client of UAG signed up with UAG last yearUAG submitted a consolidation with great lakes, it was completed on 3/and she is in a forbearanceClient changed all her passwords and already created nsldsThe client wants a full refund, but only refunding $The file has been closed Kind Regards, United Advisors Group LLC

Thank you for forwarding UAG this complaintTo start UAG is a document preparation serviceProcessing the consolidation application on behalf of the client for a service feeThe signed contract clearly state the client is responsible for the current Student Loans until the consolidation goes through and once the consolidation is approved the client will pay a service fee to UAG and their own new payment for the Federal Student Loan Payment with the new ServicerThis client signed up for the Income based program with a $dollar qualifying payment to the Department of EducationThe client was approved for the program stated int he signed contractsThis Income based program must be applied through annually as the Department of Education needs to update the clients income to re approveThis client renewed on 11/14/for a new one year contract starting on 2/10/One payment has been made for this contractThis client is claiming UAG did not do what was promised and that is falseEverything has been done according to the contract and the client is on tract with her student loans forgiveness programthis client is requesting all service fees back when all services were providedThe Client said she needs the moneyThe client is being refunded the payment made from the renewal contract and wished the best as it is not a good fitThe client wont listen and is trying to tarnish the name of UAGIf you need a copy of the contracts or further information please let me knowKind Regards,United Advisors Group LLC