Varbros, LLC

Date: Thu, Jan 12, at 11:AMSubject: Revdex.com [redacted] To: [redacted] < [redacted] @myRevdex.com.org>Dear [redacted] ***,With reference to the communication pertaining to the above Revdex.com reference , please note that Educational Funding Company has closed this account on 01/12/with a zero balance.Thank youSincerelySusika D

Date: Thu, Apr 6, at 12:PMSubject: ID of [redacted] .To: [redacted] < [redacted] @myRevdex.com.org>Dear [redacted] ***,With reference to the communication pertaining to the above Revdex.com reference, please note that Educational funding company has closed this account ([redacted] ) on 04/06/with a zero balance.However, school has refused to refund any payment as she has paid only payments with Educational Funding Company and there is no any other additional charges involved.Thank youSincerely,Susika D*

Date: Mon, Jun 6, at 12:PMSubject: Revdex.com [redacted] To: [redacted] Dear [redacted] ,With reference to the communication pertaining to the above Revdex.com reference,please note that Educational Funding Company has closed this account on 06/06/with a zero balanceThank youSincerely SUSI A.Educational Funding Company Inc[redacted] ***Chevy Chase MD ***USA

[redacted] Hi, EFC just contacted me and they stated that the issue has been resolved and the account has been closed [redacted] [redacted] [redacted]

Date: Thu, Jan 18, at 3:PMSubject: Revdex.com ID of [redacted] To: [redacted] < [redacted] >Dear Mr ***,With reference to the communication pertaining to the above Revdex.com reference , please note that Educational Funding Company has closed this account on 12/12/with a zero balance Also, We have provided the credit of $back to his credit card.Thank youSincerely [redacted] *

Re: [redacted] (***’s Martial Arts) At ***’s, a student can cancel their contract if any of the following criteria is met Within the first days of signingThe contract agreement can be cancelled- no questions asked Medical notice- if it specifies that the student cannot train for or more months- cancellation is immediate Move- if the student moves over miles from the school’s location, they may cancel the agreement with proof of move with a 30-day notice payment If the student’s cancellation request does not fall under any of the aforementioned criteria, then they agree to cancel the contract by paying $plus 1-month’s tuition fee In spite of [redacted] ***'s claim of "moving" more than stipulated distance from the school, the contract he signed proves that [redacted] in fact has been living at the address at the time of signing of the contractTherefore [redacted] is not eligible to cancel his contract under point (3) above(Please see attached copy of the signed contract).Therefore [redacted] ***’s cancellation request fell under the 4th criteriaHe was informed of this requirement, and that he had to be in good standing with his payments at the time of the requestHowever [redacted] was past due on of his payments at the point of requesting cancellationHe was duly informed of all of this, however, refused to make any further payments because he had chosen not to attend the school and take classes [redacted] considered he was not liable for those payments because he “chose” not to make use of the services rendered by the school per their contractual obligationsHowever the school firmly believes that [redacted] is legally obligated to make those payments since he needs to hold his end of the contract agreementHence the school is more than happy to cancel this account upon receipt of $(months past due @per month + cancellation fee of $+ one month's notice @ $139.00)

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]Complaint: [redacted] I am rejecting this response because of the reasons listed in the letter that is attached to this complaint(The text would not fit in the space provided)Please review the attached documentThe points made by Educational Funding service do not address the complaintThere have been no lapse in payment during the time the contract was in effect (dates of debits provided in the letter), there is confirmation that a cancellation request was received and an exit interview was provided on 09-16-but funds continued to be debited from my account, the amount the school is requesting as a "cancellation fee" would not apply if the contract was cancelled in September Please review the attached letter for detailed informationA response is requestedRegards, [redacted]

Date: Fri, Nov 17, at 7:PMSubject: Re: [redacted] Complaint ( [redacted] )To: [redacted] < [redacted] @myRevdex.com.org>Dear [redacted] ***,This is to inform you that I have made several attempts to contact the customer to get the account number/reference number for the particular complaint.However,so far I have not heard from the customer and unable to find the information pertaining to this complaintPlease request the customer to contact me asap and provide me the reference number / account number or first name/Last name of the student.My Phone Number [redacted] EXT ***Thank youSincerely,Susi

From: Susi A [redacted] Date: Tue, Oct 20, at 2:PMSubject: ID of [redacted] Dear [redacted] With reference to the communication pertaining to the above Revdex.com reference , please note that Educational Funding Company has closed this account on 10/20/with a zero balanceSincerely ,SUSI A.D [redacted] Educational Funding Company Inc[redacted] ***

Dear Mr ***, I was trying to reach out the customer to find out account infomation as she has not mentioned sufficient information regarding their martial arts account.Please have customer to call me back with account infomationThank youSincerely,Susika D [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.] RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me. Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: I complied with the contract as per the guidelines, (wrote a written letter canceling my membership which was attached in my initial complaint). It was Educational Funding that continued to charge me, whether or not they are currently working with the martial arts school does not matter. They are the ones who wrongly took my funds. Regards, [redacted] ***

From: Susi A [redacted] Date: Thu, Jul 16, at 11:AMSubject: ID of [redacted] To: [redacted] < [redacted] @myRevdex.com.org>Cc: [redacted] < [redacted] @***.com>Dear [redacted] ,Please note that we were in constant touch with the school advising them to resolve the issue amicably As per the agreements between the school and the student, the school is willing to cancel the account upon receipt of current past due amount of $However the school refuses to freeze the account or to cancel prior to receiving this said past due balance.Since we are a third party billing company, we can only advise the school on these issues regarding the best course of action under given circumstances but the school retain the right of a final decision

Dear [redacted] ,We are pleased to inform that as a result of our constant persuasion and in the interest of goodwill, the school has decided to cancel this account.However,school refuses to refund the May payment but making attempts to contact the student soon.Since we are third party billing company, we can only advise the school on these issues regarding the best course of action under given circumstances but the school retains the right of a final decisionThank youSincerely,Susika D [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I have read many cases which make it clear that EFC have more control over the contracts than they are acknowledging here, as in cases where they refuse to cancel contracts EVEN THOUGH the school is okay with it.It is counterintuitive to hold us to ransom when we are unable to meet the demands, if there is no hope of resolving the issue, which there isn't while charges continue to mount, then there is little incentive to start paying towards it.I gave two options which result in us being able to pay the balance and move on and that is being rejected, this is not of benefit to any party. Regards, [redacted]

Date: Thu, Feb 16, at 11:AMSubject: ID of ***To: *** *** ***@myRevdex.com.org>Dear ** ***With reference to above complaint ID, please note that we are unable to refund any amount.Aforesaid martial arts school is no longer been serviced by Educational Funding company effective October 27th Therefore, Educational Funding company is not in position to refund any amount as requested by the clientHowever, as a third party billing company ,we can only advice the client to contact the school on this issue directly.Thank youSincerely,Susika D

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:To Whom It May Concern:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me, but I just received a billing from this company in February of 2018. If the account is closed why are we still receiving a bill for $from them? If possible I would like a letter sent showing that this account has been closed and has a $balance.Kindest Regards, *** ***

Date: Thu, Oct 27, at 12:PMSubject: Complaint ID #***.To: *** *** Dear ** ***,With reference to the communication pertaining to the above Revdex.com reference , please note that Educational Funding Company has closed this Account on 10/27/with a zero
balance.Thank YouSincerelySusika D