University Accounting Service

I was just notified that UAS put a 120 day delinquency on my credit. I spoke with a UAS rep back in either September or October. He said my payments would be deferred because of the Cares Act. I requested an application to apply for forbearance. I am not employed, and my only income is Social Security. He said he would send it, but there was no hurry because of the Cares Act. He never sent it. Now they’re telling me the Cares Act doesn’t defer Perkins Loans. The reason I was making payments before this, is I was attending grad school, and it was deferred.

But I never received any further communication from them. They never sent me a notice to tell me a payment was due. They never sent any notice about the account being delinquent. I would not have had any way to know how much my payment was. The only correspondence I received was an email telling me their website would be down because they were updating it.

I called when I found out about my credit report. The first one I spoke to said they would remove all derogatory credit from my report, and make the forbearance retroactive. When he was supposedly transferring me to a supervisor, the same thing happened to me that happened to others who filed complaints with the BBB. I was on hold for about 45 minutes, and then it disconnected. I called back, and this time spoke to a rep in the United States. She told me that they couldn’t remove anything from a credit report, and the forbearance couldn’t be retroactive. She was so rude, and told me things that weren’t true. I can’t believe a university would subject their students to this type of treatment and abuse.

About 5 years ago, they did the same thing to me. National University became involved, UAS admitted they were wrong, removed it from my credit report, and made the forbearance retroactive. I can’t believe they did the same thing to me again. I have the email correspondence to prove it. The rep still insisted UAS cannot do that. When I asked the rep if she thought not sending me notices about payments due, or the account being delinquent, and then report derogatory credit was wrong, she refused to answer. The rep was either misinformed, or was intentionally giving me false information. I hope it was the former. I requested to speak with a supervisor. She told me the only thing she could do is have the supervisor call me. I am still waiting.

In several phone calls in December and January, I was told by multiple of their reps via phone that I had over 6 months of forbearance left on my account. This surprised me, because months ago a different rep told me I had no forbearance left, but could use pandemic assistance. Due to loss of wages during the pandemic, I've been unable to make my ever growing student loan payments, which they refuse to let me refinance, but instead increase every single month. My payments started around $350 and are now at nearly $500. They increase every month. Years ago as a young 18 year old going to college signing up for this loan, I was not well educated that I would be entirely unable to get out of the graduated repayments plan, so forbearance has been one of the only options as I try to refinance elsewhere, struggling with my loss of wages.

After submitting my request for forbearance, calling several times a week to wait on hold for 45 minutes or longer only to have the line disconnect almost every time, emailing reps to follow up and barely hearing back, I was told to wait almost two weeks past my payment due date as forbearance requests we're taking a while to go through. I was told multiple times in January that the request was processing and I just had to wait a little longer to see it in my account, but that I definitely had forbearance left to use, so it should go though just fine.

After over a month of not hearing back when I submitted all my documents and recieving no help when I called in, my payment was past due by two weeks and I finally decided I needed to try and pay it since UAS was doing nothing to help. I scraped together money I didn't have to pay the bill, and they then I immediately I received a letter moments after making the payment saying my forbearance was denied because I didn't have any left on my account. After two different reps on two different days confirmed I had over 6 months left.

I have been so disappointed in working with this company. I'm so exhausted. This instance isn't even the first time this has happened to me. I wouldn't wish this company on my worst enemy. I caution anyone reading to not trust what the reps tell you, because I have been mislead so many times by what they're "reading" in my account file only to go through paperwork for a request that wasn't available to me in the first place.

I have had nothing but issues with this company and highly do not recommend. The slogan "College is stressful but your loans shouldn't be" is absolutely laughable understanding what it's like dealing with them. My loan started through a different company (of which I had no problems with) and got bought out by UAS and the amount of tears I've cried because of how confusing and frustrating it is, is ridiculous. I tried setting up automatic payment several times to which it never worked until I received a letter from a debt collector regarding my school loan I had with UAS, I called customer service to try and get it figured out and was on hold for 40 minutes until I got hung up on. For the sake of your peace of mind, choose another loaning agency.

I received the new message on whether or not University Accounting Services, LLC contacted me back regarding my complaint (ID No [redacted] ).I did have failed attempts at trying to reach the representative ( [redacted] ***) who is my primary contact on the complaint I emailed her directly on May with no response back On May I called her twice On the 2nd time calling she answered and said they were puzzled about why I was receiving the late fees and they were looking into it I haven't heard back since.I just recently emailed [redacted] directly this morning in an attempt to see if they can resolve my issue but as of yet, they have not.If any new information comes about, I'll send an updated response.Thanks, [redacted]

University Accounting Service, LLC (UAS) has stopped billing efforts on the referenced accountIt is UAS' intention to have no further communication with MsLester relating to this matter

University Accounting Service, LLC (UAS) received the complaint of [redacted] wherein she states that she is being called regarding her student loan before the loan is dueRecords indicated MsBall has one account billed by UASAccount ID [redacted] is a Federal Perkins student loan made by DeVry UniversityMs [redacted] loan is in its initial grace period that will end on 12/1/2016; the first payment is due 1/1/UAS is contracted by DeVry University for informational calls during the grace period to ensure borrowers understand the terms and conditions of their loans and know when the first payment is due, to determine if the borrowers qualify for deferments or partial cancellations, and to answer any questions about the repayment processAll of these are measures used to prevent defaultAt the request of MsBall, this office has marked her account for no further telephone contact by UASIf MsBall should have any questions relating to the account, she may contact UAS Representative Dan Stabo in our Brookfield, Wisconsin office at 262-780-Office hours are 8:am to 5:pm, Central Time, Monday through FridaySincerely, Debbie Glish Regulations Specialist

UAS requests additional time to investigate the accountUAS currently is investigating the history of the account to ensure its proper status on our systemI acknowledge receipt of the May 20, complaint for the referenced consumerWe are currently processing this complaint and should complete our investigation shortlyI expect to follwith you on this matter within the next days[redacted] ***Regulations Specialist I University Accounting Service, LLCPO Box 932; Brookfield, WI 53008Office: (262) 780-| FAX: (866) 543-

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I am currently in contact with the Federal Student Aid Administration I did not electronically sign any documents for additional funding via Perkins Loan from DeVry University The Federal Student Aid that I received was more than enough to cover the cost of my tuition for both Undergraduate and Graduate Levels It appears that this loan was initiated at the interest of the school and not myself Perkin Loans are designed for those students who "demonstrate financial need" in addition to their Federal AidI have submitted a request of forbearance for this balance in which they claim that I owe and I will continue to dispute the charges with Federal Student Aid until these charges have been dismissed accordingly and appropriately Regards, [redacted]

The consumer has one account serviced by UAS, a Federal Perkins student loan from DeVry UniversityShe first complains that she was required to repay interest before additional forbearance was applied to the accountShe claims she never had to do this beforeThe consumer previously received several types of deferment on the account, both student and unemployment defermentsDuring these deferments, interest does not accrueIn November the consumer received the first forbearance of repaymentDuring forbearance, interest does accrue and is due at the end of the forbearance periodWhen the forbearance period expired on 4/1/the consumer asked to have it extendedIn accordance with the client's policy, the consumer was asked to repay the $interest that accrued during the forbearanceShe promised to make the payment on 6/6/2017, 6/26/2017, and 8/4/2017, but did not make any paymentsThe client sent the account to collection on 9/16/Once the account was placed for collection, UAS had limited ability to assist the consumerOn several occasions, UAS advised her that UAS was unable to process any benefits due to client policy and to contact and work with the collection agency.The consumer also complains that her account was paid via consolidation but UAS has not updated the statusUAS received and posted a loan consolidation payment of $4,on 2/23/However, this did not pay off the accountRather than contact UAS for a payoff amount, the Department of Education used the amount in its NSLDS database to initiate the paymentThe amount in NSLDS did not show the collection costs owed by the borrower, because "collection costs owed" is not a field within the NSLDS databaseUAS sent an underpayment request on 4/9/After discussion with the consolidator upon receiving this complaint, UAS was advised to send another requestA second request was sent on 4/As soon as the further payment is received, UAS will update the account status at NSLDS and credit bureaus

Please be advised that complainant has two accounts serviced by UAS, On January 21, complainant was granted a partial forbearance retroactive to 10/11/The forbearance continues through 4/11/2016, with the 5/11/payment due in the amortized amountOn account [redacted] complainant owes $on 2/11/On account [redacted] she is delinquent $and has another payment of $due 2/11/These are the minimum payments required by the loan owner, Campus Student FundingIf complainant continues to experience financial difficulty after 4/11/2016, she can apply for additional forbearanceHowever, forbearance is a limited benefitIf complainant has any questions relating to her repayment plan, she may contact UAS at 844-677-Office hours are am to pm CT, Monday through Friday

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Unfortunately, this has been a tedious matter trying to resolve I did not receive any notification from DeVry INC with regard to a balance due (only the fake invoice that I submitted to the Revdex.com) As of today I have reached out to DeVry at (630)571-with regard to the information that is reporting to my credit bureau as well as filed a dispute with Experian Credit Reporting Bureau The representative of DeVry at the number listed above advised me that there are No "outstanding tuition debt" reported by them for me This promissory not that was received within the email, this is the first time that I am seeing it I have attached a detail billing as it relates to the the enrollment at DeVryPlease contact me at your earliest for additional information Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear belowAgain, they corrected the amount due from $to $198.00, they also claim I have a past due balance for this monthThey just took over my loan how do I have a past due balance, when I had no previous past due balance? And it says my first payment due to them is 8/02/My payment was never $to begin with, and I cannot access my genesislendingonline account anymore eitherIt will not allow me toI've never had any of these problems with genesislendingI can not even get in touch with anyone from University Accounting ServiceI have called times today, and the first times I got a pre-recorded message claiming they were currently experiencing technical difficulties with their third party vendorI submitted a request online to have someone contact me, and no one hasI know I have a loan, and I want this corrected, so I can continue to make payments towards my loanI do not want to be taken advantage of because they can't get their records rightThey DON'T even answer the phoneI've attached a file that clearly shows, there was never any information or due payment for JulyIt says 8/02/so where are they getting $or a past due balance from?[To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted]

University Accounting Service, LLC (UAS) received the July 5, complaint in which Mr [redacted] states he contacted UAS in early May about a credit balance and states that he is still due the refund of the credit balance in the amount of $UAS did inform the creditor, Day Air Credit Union, about the credit balance, and the credit union processed the refund directlyThis refund, in the amount of $150.00, was processed by Day Air Credit Union on May 4, and posted to Mr [redacted] account at the credit union with a description of “student loan overpay”According to credit union records, the borrower then closed the credit union account on 7/5/If Mr [redacted] has additional questions regarding the refund, he should contact the credit union directlySincerely, Debbie Glish Regulations Specialist

The consumer has one account serviced by UAS, a Federal Perkins student loan from Fashion Institute for Design & Merchandising (FIDM)Prior to the payment received by UAS on 2/15/2018, the consumer had not made a payment toward the account since 8/30/2017.Late fees are first disclosed in the promissory note, which the consumer signed electronically on 12/31/A copy of the promissory note will be sent to the consumer under separate coverLate fees were disclosed in entrance and exit counseling that the consumer acknowledged in and Then, late fees were disclosed in the past due notices sent in October and November Finally, late fees were included in the total due on the billing statements sent for the 11/1/and later due dates.The account is months delinquent, including the 2/1/installmentAnother late fee will be assessed unless the account is brought current by 2/28/

The consumer has one account serviced by UASThe account was created originally through the Ascent Tuition Loan Program and transferred to Del Mar Student Loan TrustThe account was not sold to UASThe consumer made a payment to the Ascent account on 1/18/However, due to the overnight transfer of the portfolio to Del Mar, the payment wasn't transferredOn 2/7/UAS confirmed the payment has been transferredA payment of $made on 2/6/failed because the payment was stopped by the consumerHowever, UAS also received and posted the consumer's $payment of 2/13/The account is current through the 2/19/due dateThe principal balance of the account is $

I have reviewed the complaint ID [redacted] , and UAS reports the following findings: The account referenced in the complaint was originated in October 2011, with a first payment due date of October 1st, The account incurred negative credit bureau reporting as follows: The payment due for 12/01/was not received until 01/02/This payment was reported as days past dueThe payment due for 08/01/was not received until 09/18/This payment was reported as days past dueThe payment due for 01/01/was not received until 02/29/This payment was reported as days past dueThe payment due for 04/01/was not received until 05/19/This payment was reported as days past dueIf the consumer disputes the dates of any of the above payments, UAS would request to see evidence supporting the receipt of payment prior to the dates listed aboveIn regard to the address change(s) on the account, the UAS system reflects the following address changes: 11/29/Address was changed to [redacted] 04/18/Address was changed to [redacted] 11/06/Address was changed to [redacted] 01/27/Address was changed to [redacted] 02/09/Address was changed to [redacted] 04/07/Address was changed to [redacted] 04/19/Address was changed to [redacted] Our system currently shows the same address that the consumer has provided on this complaintIf the consumer has a request for the billing statements and notices to be sent to a different mailing address than their own, UAS would request this be put in writing, along with a request to lock in that addressBy locking in that address, we will no longer allow updates from the USPS to update the address on the accountThe responsibility for the debt rests with the complainant through the terms of the Perkins promissory noteTo be best informed of any affect to the account, it is recommended that all demographic information, including address, phone and email address information be updated and maintained by the debtorIn addition to sending in checks through the mail, UAS offers consumers the opportunity to pay online at www.uasecho.com or call our call center at 1-800-999-Monday – Friday 7am to 5pm CDT to set up a payment by phoneAdditionally, our phone system will allow payments to be entered in via the IVRSincerely, [redacted] Compliance Manager

University Accounting Service, LLC (UAS) received complainant’s Loan Verification Certificate for consolidation and responded on January 27, in compliance with the time prescribed to respondPlease be advised that UAS requested enrollment verification from complainant on September 22, 2015, to be able to apply additional student deferment for enrollment since May However, UAS records reflect that the enrollment verification has not yet been receivedOn September 22, 2015, Ms [redacted] contacted UAS regarding her enrollmentAt that time UAS searched the National Student Clearinghouse for Ms***’s enrollment; no results were foundAs UAS has previously advised Ms***, not all schools participate in reporting enrollment to the ClearinghouseUAS did receive enrollment information directly from Quinnipiac University that confirmed Ms***’s enrollment through May 2014; the student deferment was granted on the account with a grace period ending 3/1/Ms [redacted] needs to have her school send enrollment information for the 2014-academic yearIf received, UAS will accommodate Ms***’s request to backdate the deferment, extend the grace period to 3/1/2016, and update her reported credit historyIf complainant has questions relating to the liquidation of the Perkins Loan Program, she may contact [redacted] Sincerely, [redacted] Regulations Specialist

University Accounting Service, LLC (UAS) is the current loan servicer for complainant’s account, ID [redacted] The loan was originated by and previously serviced by Genesis Lending and is now owned by Campus Student FundingUAS became the loan servicer of the account on July 1, The CFPB entered into a settlement agreement with Corinthian Colleges wherein some loans were reduced or forgivenThe complainant’s loan ID [redacted] is not subject to the settlement agreement between Corinthian Colleges and the CFPBThe loan cannot be added to receive relief under the CFPB agreementSeparately, the Department of Education (ED) provided loan discharges for qualified federal student loans that were the result of misleading job placement statistics provided by some Everest CollegesThe discharge applies only to federal loans made during certain periods, for certain educational programs, at certain campusesThe discharge does not apply to private educational loansComplainant’s loan is a private educational loan and is not subject to the ED DischargeCurrently, Campus Student Funding is not reporting the account to the credit bureausAs such, the account does not appear on complainant’s credit reportOn May 10, 2016, UAS received complainant’s request for UAS to cease contactUAS has updated the account to reflect the request and will cease communications with complainantThis does not remove complainant’s obligation to repay the loanCurrently, the account is days delinquent for $103.14, with another payment due June 1, The total outstanding on the account is $4,Note that Campus Student Funding may choose to take further measures to secure repayment of the loanComplainant may make electronic payments using UAS’ payment portal at www.uasecho.comComplainant may contact UAS at 844-677-if she wants billing to resume so she can make payments in the usual mannerSincerely, Debbie Glish Regulations Specialist

University Accounting Service, LLC (UAS) received the above-referenced complaint and has thoroughly investigated the situationThe borrower has one account serviced by UASAccount ID [redacted] is a private educational loan owned by Campus Student FundingWe have taken the information the borrower has provided to us very seriously and appreciate your efforts in bringing these concerns to our attentionLet us state at the outset that it is not the policy or the practice of this company to engage in unfair, deceptive or misleading practicesNor are such occurrences toleratedOur employees are trained and are also regularly monitored for compliance purposesPlease assure the borrower that their comments have been thoroughly reviewed and have not been taken lightlyShould it be found that a representative violated UAS’s policies and procedures relating to the handling of this account, the representative will be disciplined and retrained regarding UAS’s policies and proceduresShould you have any further questions regarding the above referenced account please contact me directly at [redacted]

The consumer complains that credit history reported by UAS is incorrectThe consumer has one account serviced by UAS: a Federal Perkins student loan account from Washington UniversityThe borrower submitted paperwork to apply for a partial cancellation of the loanUAS received the paperwork on 2/12/and updated the account by processing the partial cancellation on 3/22/The Washington University portfolio is new to UAS, and processing of benefit forms may be delayed for a new portfolio due to the transition processHowever, the account already was delinquent when UAS received the form from the consumerShe should have provided paperwork to the previous servicer in June to receive a partial cancellation at the timeWhen the consumer's form was not received, the previous servicer granted the appropriate grace period and set the next payment date at 12/29/The consumer did not make the 12/29/payment or the one due on 1/29/before reaching out to UAS for the proper benefits forms on 2/8/2018.When the benefit was applied on 3/22/the account was updated to show no delinquencyThe account was reported to credit bureaus as not delinquent with our 4/1/submission and any previous delinquency was updated to show no delinquencyThe consumer should allow time for the credit bureaus to update their records