University of Phoenix

RE: Revdex.com Complaint # [redacted] Dear Ms. [redacted], Thank you for your follow-up message. The University of Phoenix has reviewed this complaint and responded directly to the complainant via [redacted] mail. Due to privacy laws the University of Phoenix cannot release the results of...

our findings or communications with the complainant without the required written authorization.  If you need additional details that will enable you to close this issue, please contact the complainant.  Best regards,

This school is a joke and their faculty as well as how they teach is also a joke. I applied to attend school with UOP Jan 2016 to start classes feb 2016, I was also forced to take out a loan, being told that it would be deposted within a short time to cover the cost of school. The financial department screwed up and was sending the wrong forms over and over and caused me to fail my first course due to being misled that I would receive funds in time to purchase a needed up to date computer for school. I never was able to start on time, but was still billed for those 5 weeks of classes. I as finally able to start classes in may 2016, not becuase I received my loan but becasue I had to borrow from family. I have yet to receive any funds, and as far as how the department handles the issues and claims, its non existant. Nobody wanted to help me or answer questions. Nobody answered calls or returned emails. I am still to this day not getting answers!

March 17, 2015[redacted] FORNEY, TX 75126-6264Dear [redacted] IRN: [redacted]In response to your emails this office received March 11, 2015 and March 13, 2015. I would like...

to address the questions presented regarding your account at University of Phoenix.In response to your questions regarding [redacted] and [redacted] the University responded on May 10, 2014 and November, 21, 2014 to disputes sent to us by the credit reporting agencies ([redacted] or [redacted]), verifying that the information being reported to them by the University was accurate and valid.If you have questions about the processes or procedures utilized by [redacted] or [redacted] to handle credit reporting disputes, we recommend you contact them directly.University Records show we validated the balance due and credit reporting in responses dated January 26, 2015 and March 2, 2015. In response to your claim we have not provided you with original documents, those responses included the Student Financial Agreement e-signed on June 3, 2009 and the Enrollment Agreement e-signed on June 3, 2009. Please note any signature provided electronically using your unique [Login-password combination] is attributed to you and has the same force and effect as a written signature. Both of these documents are your agreement with University policy and financial obligations associated with enrollment at University of Phoenix. In response to your request for paper work regarding the funds returned to your lender. We show the 2009/2010 Financial Aid Award Letter and Funds Returned Letter were sent to you on December 22, 2014. Should you wish to investigate the matter further we suggest you contact your lender which can be found by retrieving your records on www.nslds.ed.gov. The servicers for student loans often change hands. The NSLDS website will have the most current information regarding the current holder of your loans.We recommend you request full account statements from your lender for the award year starting on June 22, 2009. Please keep in mind when funds are returned to your lender the funds are back dated so you are not charged interest and origination fees on these funds. As such they are usually reflected on your lender’s statement as a reduction of the disbursement. According to our records these are the transactions that occurred for the 2009/2010 Financial Aid Year June 22, 2009 to March 8, 2010:Subsidized originally certified for $3,500 (reduced to $1,750)            1st disbursement: $1,723.75            2nd disbursement : CanceledUnsubsidized originally certified for $6,000, reduced to $8231st disbursement: 2,955 (reduced to $810)            2nd disbursement: CanceledIt is the University’s position that the current balance due of $855.80 is valid and correct, the credit reporting of the $855.80 charge off is true and accurate, and the validation letters and documents previously sent have satisfied the requirements for validation. The University strives to provide the best customer service and guidance to all of their present and past students. Please review the enclosed response which was sent previously and file this in your records. As I have not been provided with any additional information to override the previous decisions made in this matter, the campus’ position stands. Your request to have the credit reporting removed is respectfully denied.As we have validated the balance due of $855.80, your account will remain with a designated agency until paid in full. Please contact a collections representative at Financial Business and Consumer Solutions, Inc. ###-###-#### if you would like to remit payment now or review payment options available.Unless further inquiries include requests for new information and/or documentation, this will serve as the University’s final response. Thank you,[redacted]Executive Account AnalystUniversity of Phoenix cc: Student file; [redacted], Director of Campus Financial ServicesEnclosed: Previous Correspondence; Student Account History; Student Financial Agreement; Enrollment Agreement

Revdex.com Complaint #  [redacted]
Hello,
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Thank you for your follow-up message. The University of Phoenix has reviewed this complaint and responded directly to the complainant via USPS mail. Due to privacy laws the University of Phoenix cannot release the results of our findings or communications with the complainant without the required written authorization.
 
If you need additional details that will enable you to close this issue, please contact the complainant.

RE: Revdex.com Complaint # [redacted] Dear [redacted], Thank you for your follow-up message. The University of Phoenix has reviewed this complaint and responded directly to the complainant via [redacted] mail. Due to privacy laws the University of Phoenix cannot release the results of...

our findings or communications with the complainant without the required written authorization.  If you need additional details that will enable you to close this issue, please contact the complainant.  Best regards,

Thank you for your follow-up message. The University of Phoenix has reviewed this complaint and responded directly to the complainant via [redacted] mail. Due to privacy laws the University of Phoenix cannot release the results of our findings or communications with the complainant without the required...

written authorization.  If you need additional details that will enable you to close this issue, please contact the complainant.  Best regards,

RE: Revdex.com Complaint #  ID#: [redacted]Dear Ms. [redacted]Thank you for your follow-up message. The University of Phoenix has reviewed this complaint and responded directly to the complainant via USPS mail. Due to privacy laws the University of Phoenix cannot release the results of...

our findings or communications with the complainant without the required written authorization. If you need additional details that will enable you to close this issue, please contact the complainant. Best regards,

RE: Revdex.com Complaint # [redacted]
 
Dear Ms. [redacted],
 
The University of Phoenix has reviewed this complaint and responded directly to the complainant via [redacted] mail. Due to privacy laws the University of Phoenix cannot release the results of our findings or...

communications with the complainant without the required written authorization.
 
If you need additional details that will enable you to close this issue, please contact the complainant.
 
Best regards,
 
 
[redacted]
Dispute Operations & Title IX Administrator
 
University of Phoenix  
Office of Dispute Management 
[redacted]
Mailstop: [redacted]
Phone: ###-###-####  Fax: ###-###-#### 
[redacted]

RE: [redacted] Complaint # [redacted] Dear Ms. [redacted], The University of Phoenix has reviewed the complainant’s additional comments. Please note we previously responded directly to the complainant regarding this matter. As we have not been provided with any new information to override the previous decision made in this matter, the University’s position stands.

RE: Revdex.com Complaint #
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Hello,
Thank you for your follow-up message. The University of Phoenix has reviewed this complaint and responded directly to the complainant via USPS mail. Due to privacy laws the University of Phoenix cannot release the results of our findings or communications with the complainant without the required written authorization.
If you need additional details that will enable you to close this issue, please contact the complainant.
Best regards,

Hello, 
 
This complaint is for the University of Phoenix. We are the University CLUB of Phoenix. This complaint is not for our business. 
 
We do get University of Phoenix complaints quite frequent. Please see what you can do to move our name on the...

list so we stop getting these irrelevant complaints. ' 
Thank you, 
 
The University Club of Phoenix

RE: [redacted] – [redacted]  Thank you for your follow-up message. The University of Phoenix has reviewed this complaint submitted by [redacted] and responded directly to the complainant.  Due to privacy laws the University of Phoenix...

cannot release the results of our findings or communications with the complainant without the required written authorization.  If you need additional details that will enable you to close this issue, please contact the complainant.  Best regards, [redacted], MBA/HRM  University of Phoenix Office of Dispute Management  [redacted]Mail Stop:  [redacted]Phone  [redacted]  Fax  [redacted]email:  [redacted]

RE:   Complaint ID #[redacted]
The University of Phoenix has reviewed this complaint submitted by Mr. [redacted] and responded directly to the complainant.
 
Due to privacy laws the University of Phoenix cannot release the results of our...

findings or communications with the complainant without the required written authorization.
 
If you need additional details that will enable you to close this issue, please contact the complainant.
 
Best regards,
 
[redacted], MBA/HRM
 
University of Phoenix
Office of Dispute Management 
[redacted]
Mail Stop:  [redacted]
Phone  ###-###-####  Fax  ###-###-####
email:  [redacted]

RE: [redacted]
 
 
 
Good afternoon,
Thank you for your message. The University of Phoenix has reviewed this complaint submitted by Mr. [redacted] and responded directly to the complainant on several occasions including a response to a Revdex.com...

complaint (#8[redacted]) received in 2010.
 
Due to privacy laws the University of Phoenix cannot release the results of our findings or communications with the complainant without the required written authorization.
 
If you need additional details that will enable you to close this issue, please contact the complainant.
 
Best regards,
 
[redacted] MBA/HRM
 
University of Phoenix
Office of Dispute Management 
[redacted]
Mail Stop:  [redacted]
Phone  ###-###-####  Fax  ###-###-####
email:  [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 until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

March 27, 2014[redacted]
[redacted]Dear Mr. [redacted]: I am in receipt of your inquiry and am responding on behalf of the University. I would like to address the concerns mentioned in your inquiry regarding the plagiarism...

charge issued to you in the Bachelor of Science in Business/Concentration in Management (BSB/M) degree program in which you are enrolled with the University.Upon a review of your record, I have found that you were charged with a Student Code of Conduct (SCOC) – Academic Integrity violation during the ACC/291 course in which you were enrolled from February 11, 2014 through March 17, 2014. You were notified of the charge via letter dated March 17, 2014, which was sent to your student website on March 24, 2014 and acknowledged by you on March 25, 2014. I have attached a copy of the charge letter for your reference.As stated in the charge letter, you will need to respond to the allegations in writing within 10 days of your receipt of the letter. You must follow the process outlined in the letter in order to submit your response. Once your written response is received, the Ethics Committee at your campus will be convened in order to review the charges and your response. This is the appropriate process through which to submit your response. In addition to the charge letter, I would encourage you to review the SCOC section within the student catalog, which you can access through your student website. Extensive additional information regarding academic integrity, charges, the committees involved, and violation process are included in the student catalog.Your inquiry states that you believe your instructor has discriminated against you. You were issued a letter on March 25, 2014, from [redacted], Director of Academic Affairs, regarding your claims. A copy of that letter is attached for your records. You will need to respond to that letter in order to have your concerns researched by the appropriate parties. As stated, the University takes claims of discrimination very seriously, and I encourage you to include any and all evidence you have in your response for Ms. [redacted]’s consideration in reviewing your discrimination allegations. Your letter states that your ACC/291 instructor’s activity in the online classroom was less frequent and substantial than any other instructor you have had at the University. Upon a review of your ACC/291 classroom, your instructor’s actions in the online classroom are within University standards. In the future, however, in the instance that you believe your instructor is not meeting University standards, I would encourage you to contact your Academic Counselor and submit a research ticket. This is the appropriate process to have the University investigate your claims.You have requested answers to several questions, and I would like to address those at this time. You inquired about how an instructor can go back over the last three to five weeks of posted questions and change the evaluation from a substantial rating to an unsubstantial rating. The authority to award academic credit and assign student grades is solely at the discretion of the faculty. The University of Phoenix subscribes to this concept as an obligatory protection of academic freedom, because the faculty member is the content-expert in the subject matter and was actually in the classroom. Your faculty member was responsive to your inquiries and provided appropriate feedback. Because your instructor found what appears to be plagiarized material in your discussion questions (DQs), it is within her authority to ensure that previous DQs did not also appear to be plagiarized. Please understand the faculty member does not make the determination of whether there was any violation of the Student Code of Conduct; rather, the faculty merely reports the issue to University administration for further investigation and potential action under the process published in the student catalog.You acknowledged receipt of the student catalog upon signing of your Enrollment Agreement. Also contained within the student catalog is information regarding theUniversity’s application of the American Psychological Association (APA) format for academic work, and your instructor posted to the Course Materials forum on February 9, 2014, notifying students that the University requires that written papers follow the APA formatting guidelines with a sample APA formatted paper attached to the post. The University’s Student Code of Conduct (SCOC), which includes the Student Code of Academic Integrity, is contained within the student catalog and reflects in part the following language:By virtue of membership in the University's academic community, students accept a responsibility and obligation to abide by this Student Code of AcademicIntegrity, which is a part of the Student Code of Conduct. Academic integrity violations include all forms of academic dishonesty, including but not limited tothe following:a. Plagiarism - Intentional or unintentional representation of another's words or ideas as one's own in an academic exercise. Examples of plagiarism include butare not limited to:• The exact copy of information from a source without proper citation and without use of quotation marks or block quotation formatting. If any words or ideas used in a class posting or assignment submission do not represent the student's original words or ideas, the student must distinguish them with quotation marks or a freestanding, indented block quotation (for a quotation of 40 or more words), followed by the appropriate citation in accordance with the Publication Manual of the American Psychological Association. When a student copies information from a source, he or she must acknowledge the source with quotation marks or block quotes irrespective of whether or not the source has been formally published.• Paraphrasing statements, paragraphs, or other bodies of work without proper citation using someone else's ideas, data, language, and/or arguments withoutacknowledgement.• Presenting work as the student's own that has been prepared in whole or part by someone other than that particular student. This includes the purchase and/orsharing of work.• Failure to properly cite and reference statistics, data, or other sources of information that are used in one's submission. At this time, you must respond to the SCOC charge letter you received on March 25, 2014. Failure to timely respond will result in your indefinite suspension from the University at the conclusion of any current course until such time as your response is received. I also encourage you to respond to the enclosed letter from [redacted] regarding your discrimination allegation in order to move that process forward. Mr. [redacted], I regret that you have had a dissatisfying experience with the University; however, I hope you have found the information in this letter to be informative. If you have further questions or require additional assistance, please contact your Academic Counselor or [redacted], Director of Academic Affairs, as she is the appropriate contact for the inquiries you submitted. On behalf of the University, I wish you much success in achieving your academic goals. Thank you.[redacted]Office of Dispute Management

I have recently returned to school to finish my degree. I went back to the University of Phoenix to finish the last four classes to receive my Associates Degree. After they got me started back in classes I was told most of my credits did not transfer. How is this possible? I took these classes with them and now I'm being told different reasons why this is happening. One reason: the academics for this school has changed therefore those classes no longer count. Another reason: I received these classes through University of Phoenix sister school which no longer exists so the credits don't count. This "sister" school was through the University of Phoenix. I am also currently enrolled in a class that is now my third time going through because I am a returning student I must take it again... isn't this just another way for the school to take advantage of a student. This whole thing seems to just be one big scam. My student debt is large enough without having to take and pay for repeating classes.

RE: Revdex.com Complaint # [redacted] Dear Ms. [redacted],Thank you for your follow-up message. The University of Phoenix has reviewed this complaint and responded directly to the complainant via USPS mail. Due to privacy laws the University of Phoenix cannot release the results of our...

findings or communications with the complainant without the required written authorization.  If you need additional details that will enable you to close this issue, please contact the complainant.  Best regards,

RE: Complaint Number
Verdana,sans-serif;">[redacted] Thank you for your follow-up message. The University of Phoenix has reviewed this complaint submitted by Ms. [redacted] and responded directly to the complainant. Due to privacy laws the University of Phoenix cannot release the results of our findings or communications with the complainant without the required written authorization. If you need additional details that will enable you to close this issue, please contact the complainant. Best regards, Tondra R[redacted] MBA/HRM Senior Manager University of Phoenix Office of Dispute Management [redacted]
[redacted]
[redacted]
[redacted]

RE: Revdex.com Complaint # [redacted]  Dear Ms. [redacted], Thank you for your follow-up message. As we are in receipt of the student’s completed FERPA release form, a copy of the response is below as requested.  Best regards, August...

19, 2015   [redacted]
[redacted]
[redacted] [redacted]  RE: Student IRN: [redacted]Dear Ms. [redacted]: In response to your inquiry received through the Revdex.com (Revdex.com) on August 13, 2015, this letter serves to verify your prior attendance in classes in the AAFB degree program at the University of Phoenix.   In order for our campus to remain in compliance with FERPA (Family Educational Rights and Privacy Act) regulations, the details of our review will only be forwarded to the Revdex.com with your written consent. University records show that a signed/dated FERPA release form has been received from you requesting copy of this response to be issued to [redacted] of the Arizona Revdex.com via email. In accordance with this request, a copy of this letter will be forwarded to Ms. [redacted] of the Arizona Revdex.com.   This letter serves to verify that you originally enrolled at the University of Phoenix in your AAFB degree program in June of 2009. Research shows that when you began attending with the University, you opted to utilize Federal Title IV funding (financial aid) as your primary payment option. In order to utilize this option, each student is required to use the funds provided in an effort to complete the designated disbursement  period requirements (credits, weeks of instruction and calendar days) in order to “earn” said funds.   I have researched your account and found you had a balance due of $390.64 as of March 30, 2010 for unpaid tuition and fees from your attendance at the University at the time of your withdrawal. This balance is the direct result of four dropped courses, falling out of attendance without completing the disbursement (payment) period requirements thereby resulting in a return of all “unearned” funds to your lender, and failing to return excess funds that were not “earned” by your completion of payment period requirements.  Your most recent (2009/2010) application for Title IV (TIV) was certified with an Academic Year/Loan Period (AY/LP) of June 29, 2009 through May 24, 2010 on a 12/12 credit split. This meant you were required to successfully complete 12 credits and meet the calendar and instructional week mid point of your loan period to “earn” the funds awarded to you in the first disbursement period and before becoming eligible for the second disbursement. You were then required to successfully complete an additional 12 credits in order to “earn” the funds in your second disbursement.   University records show that you completed your first disbursement period by successfully completing your COM/140, GEN/105, COM/150, and CRT/205 courses. Research shows that you entered into your second disbursement period on November 02, 2009. Your first block (two courses attended concurrently) was not completed successfully (BUS/210 and COM/220). Research shows that you met attendance through the fifth week (out of nine) of attendance in each course prior to being automatically dropped from your BUS/210 course. Courses are automatically dropped when a student misses a cumulative total of three weeks (out of nine) of attendance.  Records show that you spoke with your graduation team on December 23, 2009 and advised that you had multiple personal issues outside the classroom that were preventing your successful completion of course requirements. Records show that you were advised that one additional week of missed attendance would result in your COM/220 being automatically dropped as well. Your financial representative issued a reminder that dropped courses and non-passing grades do not count towards successful course completion rates and that they increase the cost of attendance in a payment period due to the need for a required retake of any dropped or failed course. This information was originally explained prior to the start of your first courses at the University. The information is also found in the student catalog and posted in the classroom on the first day of each course. Records show that you acknowledged this information and requested to have the COM/220 course (start date 11/02/2009) dropped and to have both courses (BUS/210 and COM/220) rescheduled. This request was granted and your two courses were rescheduled to begin on December 28, 2009.  In an effort to assist you in your time of need, records show you were offered and awarded an “Authorized Withdrawal/Dropped Course Tuition Credit” (AWTC/DCR) to assist with the financial impact of your dropped courses. The waiver specified that in order for it to be utilized, you must begin a subsequent course no later than 59 days after the scheduled last date of the dropped course. If you then entered into a course in that time frame, the tuition credit would be applied to the retake, thereby reducing the amount owed by the amount you were charged in the first attempt, up to the cost of total course tuition.  Records show that you did not meet attendance in the first three weeks of your rescheduled courses (start date 12/28/2009), resulting in both courses being automatically dropped at the end of the third week with no financial obligations associated. As your dropped course tuition credit form was originally designated for a 12/28/2009 return date, you were required to complete a new form. Records show that you spoke with your graduation team on January 07, 2010 and requested to have your courses rescheduled as soon as possible. In accordance with this request, records show that you were rescheduled to begin your COM/220 and BUS/210 retake courses on January 18, 2010. Records show that you were informed that you would be required to submit an updated AWTC/DCR form to allow the dropped course tuition credit to be applied to the newly scheduled retakes. This signed/dated form was received on January 21, 2010 (copy enclosed) and immediately applied to your tuition/fees for the January 18, 2010 courses. This reduced your financial obligation by $1310.76 on your retake courses, thus negating the cost of the initially dropped attempts.  Because you had remained out of attendance for a period of 29+ days without an approved leave of absence, the University was required to review, recalculate, and return any “unearned” portions of financial aid awarded for your second disbursement. This resulted in a return of $3523.00. This return left you with a balance due to the University of $390.64 in tuition and fees no longer covered by returned funds.  Upon your return to attendance, the University processed a recovery of the funds returned to the lender. These funds ($3522.36 recovered) were placed on account on March 05, 2010. Unfortunately, you had already withdrawn from attendance in your courses and the University by this date. This left the University responsible to process a “Gross refund” of all recovered funds back to the lender. This second return to the lender resulted in your balance due of $390.64 being reinstated to your account. This balance was immediately considered delinquent and subject to collection activity. Your account history shows that you entered in the January 18, 2010 rescheduled courses as scheduled. Records show that you met attendance through the fourth week (out of nine) in both your BUS/210 and COM/220 retake attempts prior to being automatically dropped from both courses a second time for missing three cumulative weeks of attendance in each course. Because you attended the retake attempts for less weeks than the original attempts, your dropped course tuition credit covered the entire cost of prorated tuition and fees associated with the second attempt of each course.  University records show that you were charged with a violation of the student code of conduct on December 09, 2009 for plagiarism on your week 2 individual checkpoint assignment in your 11/02/2009/ BUS/210 course.  Records show that a charge notification letter was issued to you on December 09, 2009 advising that you had ten days to appeal the charges put forth. Failure to appeal would result in the charges being finalized and sanctions imposed. Records show that no response was received within the specified timeframe. Records show that you were contacted on February 04, 2010 and advised that no response had been received, thus determining that the charges were valid. You were offered a second opportunity to appeal the charges within 10 business days. An appeal was received from you and the appeal was reviewed by the Board of Appeals.  Unfortunately, records show that the sanctions imposed by the University of Phoenix Ethics Committee were upheld and you were notified via email on February 22, 2010 that you were now required to attend a workshop on plagiarism and pass a mastery test in order to have your sanctions lifted.  University records show that your graduation team spoke with you on more than one occasion regarding the need to complete the sanctions set forth by the charges as well as advising you of the financial obligation associate with non-passing or incomplete courses.  No response was received regarding the required sanctions associated with your 11/02/2009 BUS/210 course, and as a result, you were notified on February 11, 2011 that you were indefinitely placed on scholastic suspension until such time as all sanctions were complete and all appeals received, reviewed, and deemed complete by the academic review committee.  Records show that no response was received and the University issued the notification of your suspension. Again you were advised that you had ten business days to respond to the charges/suspension. Unfortunately, records show that these actions were not taken, resulting in your indefinite suspension from the University until such time as the sanctions have been met.  You were sent a final notification of this status on March 04, 2011.  Copies of your charge letter, reminder and final decision letter for the code of conduct violation have been included for your records and review. To date you are indefinitely suspended from the University until such time as all sanctions implemented have been completed.  Research shows that you attended a total of eight course attempts (3-credits each) in your most recent academic year/loan period. Research shows that at the time of your withdrawal, you had successfully completed your first disbursement period, thus earning 100% of the funds awarded in the first payment period. Records show that zero of the 12 credits required in your second disbursement period were completed.  Non-passing courses do not count towards credit requirements in a payment period and result in increased financial obligation as the student must provide funding for the retake required. As you had been issued all funds in excess of a single attempt at the 12 required credits, you were responsible for any balance resulting from your receipt of “unearned” excess funds and tuition and fees no longer covered by “unearned” financial aid once returned to the lender.  Records show that your graduation team made multiple efforts to contact you regarding your attendance, account balance, and intent but were unable to establish a plan for you to reenter your program in order to regain eligibility for the financial aid awarded to you.   The following is a breakdown of your tuition and fees associated with all courses attended in your Bachelors program. This reflects the true amount due for each course after all eligible adjustments, waivers or discounts were applied. Please note that students who receive “W”, “WF”, “F” and/or “I/F” grades are not considered to have successfully completed the course(s) but are still financially responsible for weeks attended. These courses are not calculated into the weeks and credits of the academic year.  CourseInvoice DaterECreditsTuitionResourceStatusAdjust by UOPGEN/1056/29/2009F3$975.00$0.00Pass-$70.36COM/1406/29/2009F3$975.00$0.00Pass-$...⇄ attend$0.00COM/22012/28/2009F0/3$0.00$0.00No attend$0.00Break in attendance of 29+ days, results in return of all "unearned" funds to the lender. Leaves balance of $390.64.      Student requests return to attendance. Financial aid "recovered" from lender. Student drops from first return block, resulting in a required "Gross refund" of all recovered funds to the lender. Remaining balance due returned to $390.64     COM/2201/18/2010F0/3$0.00$0.00Dropped-$1,110.78BUS/2101/18/2010...⇄ Totals-$3,273.08 Total Payments$15,245.86 Total Excess Funds Returned to Student$3,108.82 Total Funds Returned to Payer(s)$7,045.36 Total Tuition and Fees$5,482.32 Balance DUE $390.64 This letter serves to advise that you received the following payments on account during your attendance in your degree program, including Federal Title IV funds, as shown below: All Payments ReceivedDateTransaction TypeAmount07/06/09Subsidized Stafford$1,723.7507/06/09Unsubsidized Stafford$2,955.0007/07/09Federal Pell Grant$2,366.0011/10/09Subsidized Stafford$1,723.7511/10/09Unsubsidized Stafford$2,955.00Break in attendance. Funds returned to lender. Below are funds recovered upon re-entry.  03/05/10Subsidized Stafford$567.3603/05/10Unsubsidized Stafford$2,955.00 Total$15,245.86 University records show that; in accordance with your funds management selections, the University released all funds in excess of the original cost of each disbursement period in your degree program (assuming successful completion of all attempts). The following is a breakdown of all excess released to you to date. As these funds are not held on account, it leaves the student responsible for making payment on account for any dropped courses, non-passing grades, or returns to the lender. These funds are not considered “earned” until all disbursement requirements have been met.  Student RefundsDateTransaction TypeAmount07/09/09Funds issued to student$366.4707/14/09Funds issued to student$2,366.0011/13/09Funds issued to student$376.35 Total$3,108.82 It was determined you completed 20.7% of the second half of the most recent AY/LP (academic year/loan period) requirements through credit completion, weeks of instruction, and calendar days.  The University was eligible, under Title IV regulations, to retain $968.50 the $4678.75 in TIV funds received to apply towards your tuition and fees and required to return $3710.25 to your lender. While the return of funds from the University reduces the overall amount owed to the lender for loan repayment, in many cased it leaves the student with a shortfall in funds on account to cover tuition and fees as well as a balance due to the lender.  A portion of this return was your responsibility as you received “unearned” excess funds based on the credit requirement for the disbursement period. The portion returned by the University was $3523.39 and the portion that was your responsibility to your lender in the return was $186.86. This was/is in addition to any “earned” funds left on account to cover tuition.   Funds Returned/Reversed/NSF to any payerDateTransaction TypeAmountFirst return to lender results from 29+ day break with incomplete payment period.  01/15/10Return to Lender$568.0001/15/10Return to Lender$2,955.00Second return to lender is a Gross Return of all recovered funds.   03/30/10Return to Lender$567.3603/30/10Return to Lender$2,955.00 Total$7,045.36 In your inquiry, you indicated a desire to have the University repay your lender for outstanding loan balances. Lender balances are separate from any balances due directly to the University. University balances are comprised of tuition and/or fees no longer covered by financial aid required to be returned to the lender as “unearned”. Outstanding lender balances are comprised of “earned” funds left on account for valid tuition and fees at the time of your attendance and include funds issued directly to the student as “excess”. Your request for the University to pay your lender for outstanding loan balances is denied.  Federal financial aid is awarded to you under the assumption that you will attend school for the entire period for which the assistance is awarded. If you withdraw, you may no longer be eligible for the full amount of federal financial aid that you were originally scheduled to receive. Therefore, you may owe funds to the University for unpaid institutional charges. The University may also charge you for any federal financial aid the University was required to return on your behalf.  The campus made multiple attempts to reach you regarding your account balance and status.  These attempts were made via email, phone, and formal letter. The campus was not successful in establishing a plan for you to resolve the balance on account.  Unfortunately, as payment was not received in a timely manner the campus authorized the transfer of your account to outside collections on April 27, 2010 for continued collections efforts.  Research shows that the balance was “charged off” and credit reported as bad debt on October 29, 2010 as payment had not yet been received. It is important to note that a “charge-off” is a process completed by a company on a debt that remains unpaid for an extended period of time. This process does not negate the validity of the debt itself but is completed for the purposes of accurate accounting for the business. The debt itself remains valid and must be resolved in full in order to have it updated on your credit report as a “paid” charge-off. Once paid, the debt will remain on your credit report in a paid status for the amount of time designated by the credit reporting agencies.  Your attendance in class is voluntary and constitutes accepting the services provided and responsibility of the applicable fees. You have signed documents for your admissions to the University, agreement with the policies provided and the financial obligations associated with enrollment in the University of Phoenix.  For class policies please see the "Policies" link on the left side of the classroom. Faculty and student/learners will be held responsible for understanding and adhering to all policies contained within that link. University policies are subject to change so please be sure to read them at the beginning of each class as it may have changed since your last class. Policies may be slightly different depending on the modality in which you attend class. If you have recently changed modalities it is important you read the policies governing your current class modality. After reviewing your account history and the information you provided we maintain the validity of your remaining account balance with the University. We find the campus provided guidance consistent with the status of your account at the time of your inquiries and has extended every courtesy during your attendance to date.   As your account balance of $390.64 remains valid and due, your account will remain with the designated collection agency (Financial Business and Consumer Solutions: ###-###-####) until rectified. We are unable to authorize release of your transcripts or grant you access to classes until the balance is paid. If you would like to remit payment now, you can contact the collection agency directly; make payment via your student website or by calling ###-###-#### and speaking with any Financial Advisor. I have included your Official Account History as well as a copy of your Student Finance Agreement, your Enrollment agreement, your charge and sanction letters, and your return to lender notification(s) (Title IV) for your records. The enclosed Student Account History provides details of your charges and payments including: financial aid (if applicable) and returns of financial aid funds (if applicable). Any reference to Write-off on this summary refers to non-collectible debt that is considered due the UniversitySincerely, [redacted]Executive Account AnalystUniversity of Phoenix Online cc: student file      Financial Business and Consumer Solutions      Ms. [redacted], Office of Dispute Management      Mr. [redacted], Director of Financial Services   Thank you,