Vatterott Educational Centers

Dear Madam or Sir: On July 13, 2016, the Revdex.com of Eastern Missouri and Southern Illinois (“Revdex.com”) informed the Vatterott College’s ex’treme Institute by Nelly (“Vatterott”) of a complaint filed against Vatterott by former student, [redacted] Vatterott takes student concerns seriously and is committed to addressing and resolving issues that are brought to its attentionVatterott is appreciative that the Revdex.com provided Vatterott with notice of Ms [redacted] ’s complaint and an opportunity to respondThe Revdex.com directed Vatterott to provide its response within seven (7) days, and by this correspondence, Vatterott timely responds In her complaint, Ms [redacted] raises a concern over the assistance, or lack thereof, that she received from school officials with respect to Career Services and her showcase eventSpecifically, Ms [redacted] states that Vatterott did not assist her with her career goals, and failed assist her in getting her “property” back from a student after the eventIn her complaint, Ms [redacted] asks that Vatterott pay her $7,for the money and energy she put forth in preparing the showcase event, including “promotion, food, t-shirt, prizes, equipment, marketing, costumes, CDS, advertising, transportation, time, and hospital bills,” and that Vatterott provide her with a copy of the event recording At the outset, it bears noting that since Ms [redacted] ’s graduation, Vatterott has made numerous efforts to resolve Ms [redacted] ’s concernsOn several occasions, Vatterott officials have spoken with Ms [redacted] , offered her guidance, and provided her an opportunity to receive a copy of the property in questionDespite Vatterott’s best efforts, Ms [redacted] has refused to cooperate with Vatterott officials, and has asserted she rather pursue legal action against the CollegeWith this in mind, Vatterott has conducted a thorough review of its files and records, and has found nothing to suggest any wrongdoing on its part in this matter, and nothing that would justify a monetary compensationThe following is a factual summary from Vatterott’s records regarding Ms [redacted] ’s complaint to the Revdex.comSupporting documentation is attached and referenced by exhibit number, as appropriate, in the context of the narrative Ms [redacted] enrolled in Vatterott’s Entertainment and Media Business with Management Associate of Occupational Studies A.O.S(“EMBM”) program on September 24, A copy of Ms [redacted] ’s Enrollment Agreement is attached hereto as Exhibit The EMBM program is designed to prepare students to function in a wide range of positions requiring the skills of persuasive communicationStudents in the EMBM program are introduced to advertising, public relations, management, marketing, and sales in the entertainment industryIn the final phase of the EMBM program, students are required to complete MU-Entertainment and Media Capstone, in which students incorporate the knowledge and skills they learned over the course of the entire programAs part of the capstone, students are required to complete a project using both outside and school resources, where they may choose an artist/band/entertainer that they would like to manage, and create all the promotional and advertising material for the artist and the event that they will be performing atA copy of MU-Course Description is attached hereto as Exhibit In the instant case, for the MU-Capstone project, Ms [redacted] chose to hold an event at the campus titled, “Carnival of Music.” Pursuant to the course requirements, Ms [redacted] was responsible for all aspects of the event, including the planning, advertising, financing, and overall managementMs [redacted] organized the event to be held on November 7, from 1:pm to 4:pmThe campus was scheduled to close at 5:pm, allotting Ms [redacted] thirty minutes to clean up after the event was overOn the day of the event, Ms [redacted] arrived an hour late, which resulted in a chaotic and disorganized affairMs [redacted] failed to properly delegate responsibilities to those that were there to help, and the performances had to be cut-off short at 4:pm, pursuant to the pre-established scheduleNonetheless, as Ms [redacted] indicates in her complaint, the event was a successThis was in large part due to the support from Vatterott officials in assisting Ms [redacted] with equipment set-up, and allotting the use of the campus spaceMs [redacted] ’s grade in the course was based solely on her planning and management of everything leading up to the event, and she ultimately received an “A” in her capstone projectA copy of Ms [redacted] ’s Academic Transcript is attached hereto as Exhibit After Ms [redacted] completed her capstone project, she successfully graduated from the EMBM program on November 16, The subject of Ms [redacted] ’s complaint involves the circumstances that played out after Ms [redacted] ’s graduation from Vatterott, involving the video footage of her eventTo be sure, Ms [redacted] had entered into a good faith agreement with another student, [redacted] , in which Mr [redacted] agreed to act as a videographer for Ms [redacted] ’s eventMr [redacted] agreed to record the event, edit the footage, and provide copies of the same to Ms [redacted] at no costWhile Mr [redacted] initially wanted to be paid for the job, Ms [redacted] indicated that it was for a school-related event, and she did not have a budget to provide fundsThus, Ms [redacted] advised Mr [redacted] that she would promote his work as a compensation for the recordingIt bears noting that neither Vatterott nor its representatives were a party to the agreement, and had no involvement in the matter Ultimately, Mr [redacted] did record the event, using his own equipment and suppliesAfter the event took place, Ms [redacted] demanded that Mr [redacted] provide the footage right awayHowever, with other priorities at hand, it took Mr [redacted] from November to January to edit the footageDuring this time, Mr [redacted] indicated that Ms [redacted] was harassing him, making threats, and engaging in disrespectful behaviorUltimately, both parties hit an impasse, and involved Vatterott officials into the dispute Vatterott’s Campus Director, [redacted] ***, communicated with both Mr [redacted] and Ms [redacted] on various instances, in an effort to reach a resolution between the twoDue to Mr***’s encouragement, Mr [redacted] agreed to drop the DVDs of the footage for Ms [redacted] At that time, Mr [redacted] reached out to Ms [redacted] and instructed her to pick up the DVDs, but Ms [redacted] showed no interested in doing so It was not until a few months later that Ms [redacted] again made contact with VatterottOn April 29, Vatterott received a demand letter from Ms [redacted] , attached hereto as Exhibit 4, in which Ms [redacted] accused Vatterott of “breaching a contractual agreement,” by not allowing her to host the show on its campusMs [redacted] also threatened to take legal action against Vatterott for the “emotional, financial, and physical stress,” that resulted from her experience with the capstone project Immediately after receiving this letter, Vatterott’s Student Affairs contacted Ms [redacted] to review her concernsDuring the conversation that took place on May 2, 2016, Ms [redacted] exclaimed that her career opportunities were inhibited by not having a copy of the footage from her eventAs a result, Ms [redacted] explained that she has suffered emotional and psychology stress, and demanded that Vatterott be held responsible for the sameAt that time, Vatterott’s Administrator of Affairs offered to send Ms [redacted] a copy of the video footage that Ms [redacted] had previously failed to pick upHowever, Ms [redacted] said she was not interested, and will instead pursue her monetary requests through her attorney, and ended the call Then, on May 25, 2016, Vatterott received a letter purported to be from Ms [redacted] ’s attorney, Ms [redacted] ***The May 25, letter, attached hereto as Exhibit 5, again restated Ms [redacted] ’s claims of suffering emotional distress due to the circumstances surrounding her final project at VatterottMs [redacted] ’s attorney also made a demand of $30, 0000, plus a copy of the DVD of the eventOn June 1, 2016, Vatterott responded to Ms***, and denounced any involvement in the agreement between Ms [redacted] and the student regarding the videography of the eventNonetheless, Vatterott expressed a willingness to work with Ms [redacted] , and her attorney to reach an amicable resolutionA copy of Vatterott’s June 1, Response is attached here to as Exhibit However, Vatterott did not receive any further correspondence from Ms [redacted] or her attorney regarding the matter In addition to Ms [redacted] ’s claims regarding the circumstances surrounding the “Carnival of Music” event, Ms [redacted] ’s complaint to the Revdex.com also brings forth a grievance with Vatterott’s Career Services DepartmentSpecifically, Ms [redacted] alleges that she has not been assisted by Vatterott with her career goalsTo provide the Revdex.com with context, Vatterott’s Career Services department is available to assist students with employment opportunities, updating resumes, fine tuning interviewing skills, and professional networking techniquesWhile the Career Services department will act as a liaison between students and employers, it is the ultimate responsibility of the student to secure appropriate employmentFurther, it is continuously stressed to students that Vatterott cannot and will not guarantee students a jobA provision from the Campus Catalog regarding Career Services is attached hereto as Exhibit In the instant case, Vatterott’s Career Services department has continuously offered assistance to Ms [redacted] by helping her update her resume and sending her job leads for various opportunitiesAt the time Ms [redacted] graduated, she completed a Graduate Exit Survey, in which she indicated she was satisfied with her education and Vatterott, and was interested in employment assistance from Career ServicesMs [redacted] also completed the “Application for Career Services Assistance Form,” in which she agreed to several provisions, including taking responsibility for career search by making independent attempts to secure employment and maintaining weekly (at minimum) contact with Career ServicesCopy of Ms [redacted] ’s Career Services Documentation is attached hereto as Exhibit In spite of Ms [redacted] ’s previous attestation to work with Career Services, soon thereafter graduating, Ms [redacted] not only refused to cooperate with Vatterott’s Career Services Department, but also engaged in disrespectful behaviorAs the attached correspondence demonstrates, included hereto as Exhibit 9, Ms [redacted] requested that she not receive any job leads or assistance from Vatterott’s Career Services DepartmentMost recently on June 10, 2016, Ms [redacted] asked to be taken of the contact list so that she would not receive any more correspondence concerning job placements, and thus Vatterott has honored this request As shown above, Vatterott has continuously made efforts to assist Ms [redacted] , including providing her several opportunities to receive a copy of the requested video footageUltimately, it has been Ms [redacted] whom up to this point refused to accept the copy of the event, and has asserted she rather pursue legal action so that she can be compensated for her alleged claims of psychological and emotional distressWith this in mind, Vatterott is still committed to ensuring Ms [redacted] ’s future successIf Ms [redacted] would like to receive a copy of the requested video footage, Vatterott encourages her to contact Vatterott’s Administrator of Student Affairs (contact information is below)Further, if Ms [redacted] changes her mind and does want to receive Career Services assistance, Vatterott encourages her to contact the school directly Vatterott regrets that Ms [redacted] is dissatisfied with her experience at VatterottHowever, Vatterott trusts that this response will bring full resolution to this matterIf you need any additional information, please do not hesitate to contact me via phone at [redacted] or via email at [redacted] Sincerely, [redacted] Administrator of Student Affairs Vatterott Educational Centers, Inc

Initial Business Response / [redacted] (1000, 7, 2015/11/02) */ November 2, VIA ONLINE SUBMISSION Revdex.com of Eastern Missouri and Southern Illinois Re: Revdex.com Case #XXXXXXX [redacted] and Vatterott College - Berkeley Dear Madam or Sir: By notice dated October 21, the Revdex.com of Eastern Missouri and Southern Illinois ("Revdex.com") informed the Vatterott College's Berkeley, Missouri campus ("Vatterott") of a complaint filed against Vatterott by former student, [redacted] ***Vatterott takes student concerns seriously and is committed to addressing and resolving issues that are brought to its attentionVatterott is appreciative that the Revdex.com provided Vatterott with notice of Ms***'s complaint and an opportunity to respondThe Revdex.com directed Vatterott to provide its response by November 4, 2014, and by this correspondence, Vatterott timely responds At the onset, it bears noting that the Revdex.com's October 21, correspondence makes claim that a first notice had been issued to Vatterott, upon which the Revdex.com received no responseHowever, Vatterott does not have any records of receiving a prior notice of Ms***'s complaint In Ms***'s complaint she raises concerns regarding the level of professionalism and the Pharmacy Technician ("PT") program's curriculumSpecifically, Ms [redacted] claims that her disappointment stems from an invitation that did not provide a date, time, or location; class being consistently interrupted; unfair attendance policies; a rude employee that fitted her for uniforms; and an unprepared instructorOverall, Ms [redacted] states that she was very "upset," "let down," and "dissatisfied," with her education at Vatterott While, Vatterott regrets that Ms [redacted] is dissatisfied with the education she received at Vatterott during her brief enrollment in the PT program, it makes note that it has many students who are pleased with their education and have successfully completed the PT programIn fact, the PT program's high graduation and placement rates are indicative of the quality of education that Vatterott students are receivingTo be sure, the aforementioned complaints raised by Ms [redacted] are not corroborated by the positive student surveys regarding the PT program instructors, the quality of education, and the campus environmentMoreover, it bears noting that Vatterott has not received any informal or formal complaints from Ms [redacted] regarding her education, prior to the complaint she filed with the Revdex.com Nonetheless, in an effort to assist Ms [redacted] and address her concerns, Vatterott has agreed to refund Ms***'s financial aid funding, as it is her desired resolution to the matterIn addition, Ms***'s account has been credited with the cost of the uniforms she had previously been charged withA copy of Ms***'s Student Ledger is attached hereto as Exhibit On October 28, 2015, Vatterott's Administrator of Student Affairs spoke with Ms [redacted] about her concerns about her experience at VatterottMs [redacted] was notified of the full refund of her loans and uniforms, and Ms [redacted] expressed full satisfaction with the resolutionPlease do not hesitate to contact me directly should you need any additional information via phone at XXX-XXX-XXXX or via email at [redacted] @vatterott.edu Sincerely, /s/ [redacted] Associate General Counsel Administrator of Student Affairs Vatterott Educational Centers, Inc

Dear Madam or Sir: By notice dated May 24, the Revdex.com of Eastern Missouri and Southern Illinois (“Revdex.com”) informed Vatterott Educational Centers (“Vatterott”) of a complaint filed against Vatterott by former student, [redacted] ***Vatterott takes student concerns seriously and is committed to addressing and resolving issues that are brought to its attentionVatterott is appreciative that the Revdex.com provided Vatterott with notice of Ms***’s complaint and an opportunity to respondThe Revdex.com directed Vatterott to provide its response within seven (7) and by this correspondence, Vatterott timely responds In Ms***’s complaint, she expressed a concern over her transcript being sent in an untimely fashion to the Cosmetology State BoardMs [redacted] claimed that Vatterott has sent the transcript twice, once with the incorrect format and once more with incorrect informationWithout the transcript, Ms [redacted] noted that she is unable to get a job and this has impacted her financesMoreover, Ms [redacted] claimed that when she contacted Vatterott’s Fairview Height’s campus, she did not receive a call back Upon receipt of Ms***’s complaint, Vatterott contacted Ms [redacted] directly to ensure Vatterott looked into all of her concerns Ms [redacted] explained that since her graduation from Vatterott’s Cosmetology Program, the State Board has received two (2) transcripts from Vatterott that were incorrectAccording to Ms***, the first transcript that was sent was in the wrong format, and the second transcript had the incorrect information listedSpecifically, Ms [redacted] indicated that the wrong Social Security Number (“SSN”) and wrong dates of attendance were listed on the transcriptWhen Vatterott verified the SSN with Ms***, it was proven that the SSN was correctly listed on the transcriptHowever, the dates of attendance were incorrectly notedFor reference, a copy of the Second Transcript sent on May 2, is attached hereto as Exhibit Vatterott deeply regrets that inconvenience that this matter has caused Ms***After speaking with Ms***, Vatterott immediately made the pertinent corrections and mailed the revised transcript to the State BoardA copy of Ms***’s revised transcript sent on May 25, is attached hereto as Exhibit Vatterott also took upon itself to contact the State Board directly to ensure that they had received Ms***’s transcript, and all the pertinent information was correctUnfortunately, as of the date of this correspondence, the State Board has not responded to Vatterott’s inquiriesNonetheless, Vatterott will continue to ensure that Ms***’s paperwork is processed and accepted Vatterott trusts that this response will bring full resolution to this matterIf you need any additional information, please do not hesitate to contact me via phone at [redacted] or via email at [redacted] @vatterott.edu Sincerely, /s/ [redacted] Administrator of Student Affairs Vatterott Educational Centers, Inc

I received my check and this complaint is resolved

By notice dated February 7, 2017, the Revdex.com of Eastern Missouri and Southern Illinois (“Revdex.com”) informed Vatterott Educational Centers, Inc(“Vatterott”) about a complaint filed by former student Mark [redacted] Vatterott takes student concerns seriously and is committed to addressing and resolving issues brought to its attentionVatterott appreciates the opportunity to respond to Mr [redacted] ’s complaint In his complaint, Mr [redacted] states that he wants a refund of $7,for the classes he took at Vatterott solely because he believes Vatterott “wasn’t for me.” Vatterott respectfully submits that is not a basis for seeking a refund Vatterott has conducted a thorough review of its records concerning Mr [redacted] Vatterott’s review found nothing to suggest any wrongdoing on its part in this matter or anything that would justify a refund On December 30, 2014, Mr [redacted] enrolled in Vatterott’s Medical Assistant with Office Management (“MAOM”) program at Vatterott’s campus in StCharles, MissouriThat day, Mr [redacted] signed an Enrollment Agreement and a Tuition ProposalCopies of his Enrollment Agreement and Tuition Proposal are attached hereto as Exhibit and Exhibit 2, respectivelyBoth documents clearly disclosed the institutional costs for the MAOM programThe Tuition Proposal also provided Mr [redacted] with an estimate of the financial aid funds that he could apply to the institutional costs of the MAOM program, including the amount of Chapter Post 9/GI Bill Benefits he could expect to receive from the U.SDepartment of Veteran Affairs (“VA”)Mr [redacted] was made aware that because it was only an estimate, the final amount of his financial awards could be subject to adjustment due to changes in his enrollment status, a change in his eligibility factors, or changes in the availability of funds and/or changes in federal/state regulations When Mr [redacted] signed the Tuition Proposal, he was also informed that he would have a remaining balance of $that he would have to pay out of pocketFor this reason, Mr [redacted] entered into an in-school payment plan to facilitate his payment of the outstanding balance owed to VatterottA copy of his In-School Payment Plan is attached hereto as Exhibit Instead of making a payment in the amount of $pursuant to his in-school payment plan, Mr [redacted] decided to fund his remaining balance through a federal student loanOn January 12, 2015, Mr [redacted] signed a revised Tuition Proposal to reflect the amount of the federal student loan that he was estimated to receive to cover the remaining costs of his MAOM programA copy of the January 12, Revised Tuition Proposal is attached hereto as Exhibit In addition to Mr [redacted] ’s inclusion of federal loans, his amount of funding from the VA had to be adjusted in order for Vatterott to comply with the regulations set forth by the VAThe VA, through the State Approving Agency, requires that students receiving VA education benefits maintain a minimum of 80% attendance in each course every days, in addition to meeting Satisfactory Academic ProgressPursuant to this policy, Vatterott conducts a regular review of VA students’ attendance records to ensure compliance with the 80% attendance requirementIf a student is not meeting the 80% attendance requirement, Vatterott places the student on attendance probationThe student is then notified that if his or her attendance does not meet the 80% requirement within the next days, his or her enrollment certification will be terminated due to attendanceMoreover, the student is advised that this may result in having to repay a portion or all of the VA educational benefits that have been received for that term Mr [redacted] was placed on attendance probation via written notification on April 08, 2015, included hereto as Exhibit As the April 08, notice states, Mr [redacted] had not met the minimum attendance requirements during the previous days, and he was at risk of losing his VA benefitsMr [redacted] was also warned that if he did not meet the 80% attendance requirement within the following days, his enrollment certification, including benefits, would be terminatedUnfortunately, upon Vatterott’s next review of Mr [redacted] ’s attendance, Vatterott determined that he did not meet the 80% attendance requirementAccordingly, on May 12, 2015, Mr [redacted] was informed that because he had not met the attendance requirements set forth while during his “Attendance Probation,” his VA education benefits for the March 09, term were terminatedA copy of the May 12, Notification letter is attached hereto as Exhibit After Mr [redacted] was notified that his VA education benefits had been terminated for the March 09, term, he signed a revised Tuition Proposal on May 14, 2015, attached hereto as Exhibit 7, to reflect the adjustments made on his account Despite Vatterott’s effort to encourage Mr [redacted] to attend the classes he enrolled in, he continued to demonstrate a lack of commitment to the MAOM programMr [redacted] ’s attendance issues persisted through the May 18, phase, and he stopped attending class altogether after June 16, For reference, a copy of Mr [redacted] ’s Attendance Record is attached hereto as Exhibit Vatterott made repeated calls to Mr [redacted] to try to motivate him to finish his educationHowever, after being absent from all of his classes for two consecutive weeks, Mr [redacted] was ultimately dropped from the MAOM programBy letter dated July 8, 2015, attached hereto as Exhibit 9, Mr [redacted] was notified of his official drop from Vatterott Pursuant to Vatterott’s Refund Policy, Vatterott calculated Mr [redacted] ’s unearned tuition and fees as set forth in applicable state and federal regulations, based upon his last date of attendanceIn this case, Mr [redacted] ’s last date of attendance was on June 16, 2015, which was 43% of the May 18, termAccordingly, Vatterott was able to commit Mr [redacted] to the entire obligation of the term’s tuition and feesIn addition, it meant Mr [redacted] had earned only 43% of Title IV Aid funding, and Vatterott was required to refund 57% of his Title IV funds to the federal governmentThis left Mr [redacted] with a balance in the amount of $1,560.00, which is currently owed to VatterottA copy of Vatterott’s Refund Policy is attached hereto as Exhibit A copy of Mr [redacted] ’s Student Account Ledger is attached hereto as Exhibit Vatterott regrets that Mr [redacted] is dissatisfied with his education and has not satisfied his financial obligationsHowever, Vatterott’s policy is clear on the requirements, and Mr [redacted] acknowledged the sameUltimately, Vatterott has found no evidence of wrongdoing, or anything that would justify a refundIf Mr [redacted] has any questions or concerns regarding his bad debt balance, Vatterott’s Corporate Financial Aid and Accounting departments would be pleased to review his account in detail with him Vatterott trusts that this response will bring full resolution to this matterIf you need any additional information, please contact me via telephone at [redacted] or via e-mail at [redacted] @vatterott.edu

Initial Business Response / [redacted] (1000, 5, 2015/11/17) */ November 17, VIA ONLINE SUBMISSION Revdex.com of Eastern Missouri and Southern Illinois Re: Revdex.com Case #XXXXXXX [redacted] and Vatterott Educational Centers Dear Madam or Sir: By notice dated November 5, 2015, the Revdex.com of Eastern Missouri and Southern Illinois ("Revdex.com") informed Vatterott Educational Centers ("Vatterott") of a complaint filed against Vatterott by former student, [redacted] It bears noting that while this complaint was addressed to Vatterott's Sunset Hills, Missouri campus, Ms [redacted] was a student at Vatterott's NorthPark campus in Berkeley, MissouriVatterott takes student concerns seriously and is committed to addressing and resolving issues that are brought to its attentionVatterott is appreciative that the Revdex.com provided Vatterott with notice of Ms [redacted] 's complaint and an opportunity to respondThe Revdex.com directed Vatterott to provide its response by November 19, 2015, and by this correspondence, Vatterott timely responds In Ms [redacted] 's complaint, she raises concerns regarding the following: (1) A damaged "student kit," presumed to be in reference to her cosmetology school tool kit, which Ms [redacted] claims was damaged since she received it in sic, presumed to be 2011; and (2) A Manlady sic, presumed to be Milady book (thereafter pluralized to "books" without clarification) that had been damaged and not replaced Moreover, Ms [redacted] expresses dissatisfaction with Vatterott for "trying to make her pay her student loan," and further requests resolution via a refund for her "kit and books." Here, it should be noted that after Ms [redacted] 's most recent currently enrollee status with Vatterott in October 2013, her ending balance owed, which includes all education expenses, was $4,A copy of Ms [redacted] 's Student Ledger is attached hereto as Exhibit This Student Ledger notes three (3) instances of Ms [redacted] being charged for "Books/tools/supplies" during the entire span of her education history with VatterottA copy of each invoice is attached hereto as Exhibit Not accounting for taxes, the approximate total for these three (3) charges comes to $1,566.75, which reflects deductions for a uniform and USB flashIn other words, this calculation serves to clarify that Ms [redacted] 's stated Case Description and Desired Resolution in her complaint do not complement one another As seen in Ms [redacted] 's Student Ledger and the accompanying invoice document, Ms [redacted] was billed for a "Cosmo Tool Kit" on August 11, Ms [redacted] elected to take a leave of absence in September Vatterott worked with Ms [redacted] extensively to find a way for her to continue her education, but she did not begin taking classes again until April While Vatterott acknowledges and sympathizes with the fact that Ms [redacted] had medical issues, it has investigated this matter and determined that there is no record of Ms [redacted] complaining about her Cosmo Tool Kit until August 27, At that time, Ms [redacted] spoke to a Vatterott employee about the rolling bag from her kit being defectiveAfter being advised that the employee would call the supplier in an attempt to remedy the matter, Ms [redacted] stated that not only did she want the alleged defective bag replaced, but that she also wanted replacements for all of the supplies thereinThe Vatterott employee informed Ms [redacted] that said employee would only be able to work towards having the defective bag itself, not the undamaged supplies therein, replacedAt this point, Ms [redacted] told the employee that she would go get a new bag on her ownFrom this date until September 13, 2013, Vatterott made numerous attempts to contact Ms [redacted] , as she had not been attending classOn September 13, 2013, a Friday, Ms [redacted] again called and spoke to a Vatterott employee and complained about her bag, and the employee told her that she needed to contact a different campus officialThe employee also noted that the supplier had contacted Vatterott about Ms [redacted] "harassing anyone she could get ahold of, including the owner" in regards to her KitOn September 16, 2013, a Monday, Ms [redacted] informed Vatterott that she would be taking another leave of absenceRecords documenting the aforementioned communications and attempts to contact Ms [redacted] are attached hereto as Exhibit To summarize the Cosmo Tool Kit issue, Ms [redacted] took possession of said Kit in and made no complaints about any defective characteristics thereof for approximately two (2) yearsAt that time, Vatterott, despite not knowing the extent of the damage or whether or not Ms [redacted] had caused the damage on her own whilst possessing said Kit away from cosmetology school for the majority of two (2) years, made efforts to resolve the situationBefore Vatterott could continue to ascertain pertinent information to fully resolve the issue, Ms [redacted] opted to take a leave of absenceMs [redacted] made no further attempts to have her Kit issue resolved in the manner in which she had been instructed or told would be possible As seen in Ms [redacted] 's Student Leger and the accompanying invoice document, Ms [redacted] was billed for Milady texts during both and She made no complaints about her textbooks in Ms [redacted] was billed for her book bundle on April 16, In early August 2013, Ms [redacted] began complaining about a book falling apart at the binding and pages falling outVatterott thoroughly investigated this matter and decided to order replacement books for any books that were falling apartOn August 21, 2013, a Vatterott employee attempted to contact Ms [redacted] to inform her that replacement books had been ordered, and that Ms [redacted] could receive a new bookAs detailed above, this time frame was that during which Ms [redacted] started to miss class on a regular basis and ultimately decided to take a leave of absenceRecords documenting the communications discussed in this paragraph are attached hereto as Exhibit Vatterott trusts that this response will bring full resolution to this matterIf you need any additional information, please do not hesitate to contact me via phone at XXX-XXX-XXXX or via email at [redacted] @vatterott.edu Sincerely,

Revdex.com of Eastern Missouri and Southern Illinois Re: Revdex.com Case #*** *** *** and Vatterott Educational Centers Dear Madam or Sir: On December 21, 2016, the Revdex.com of Eastern Missouri and Southern Illinois
(“Revdex.com”) informed Vatterott Educational Centers, Incabout a complaint filed against it by *** ***, a current studentVatterott takes student concerns seriously and is committed to addressing and resolving issues brought to its attentionVatterott appreciates the opportunity to respond In her complaint, Ms*** expressed concern over two issues: (1) charges of approximately $4,000.00; and (2) lack of access to her student accountSpecifically, Ms*** alleges that Vatterott representatives led her to believe that she could take a leave of absence due to extenuating circumstances, but subsequently enrolled her in three coursesAs a result of her enrollment in these three courses, Ms*** believes that she erroneously incurred a debt of approximately $4,Furthermore, Ms*** claims that she is nearing graduation, but has been locked out of her student account due to her past due balanceMs*** does not believe that she is liable for the debt of approximately $4,and seeks a settlement of it Upon receipt of Ms***’s complaint, Vatterott thoroughly reviewed Ms***’s recordsVatterott’s review found nothing to suggest any wrongdoing on its part in this matter or anything that would justify a settlementVatterott’s Corporate Financial Aid Department reviewed Ms***’s files and concluded that all financial aid was properly processed and posted to her accountThe following is a factual summary of Vatterott’s records as they pertain to Ms***’s complaintSupporting documentation is attached and referenced by exhibit number, as appropriate, in the context of the narrative On December 5, 2012, Ms*** enrolled at Vatterott’s ex’treme Institute (“EI”)Ms*** executed an Enrollment Agreement and a Tuition Proposal as part of the enrollment processPlease find a copy of Ms***’s Enrollment Agreement attached as Exhibit and a copy of her Tuition Proposal as Exhibit Both documents clearly disclose the institutional costs associated with her programThe Tuition Proposal also provides an estimate of the financial funds available to cover associated costsMs*** also initialed a Pre-Enrollment Checklist, which states in part that Vatterott provided her with a copy of the Campus Catalog as well as time to review and understand the policies thereinPlease find a copy of the Pre-Enrollment Checklist attached as Exhibit Although enrolled during the May term, Ms*** did not regularly attend classes as required under Vatterott’s attendance policyAs a result, she was subsequently dropped from her programAttached as Exhibit is a copy of Vatterott’s attendance policy and attached as Exhibit is a copy of Ms***’s attendance records for the May termBecause Ms*** was dropped from her program after the date by which students may be entitled to a refund, she incurred a debt of $Please see Exhibit for a copy of Vatterott’s refund policy After dropping from her program at EI, Ms*** enrolled at Vatterott’s online campus on April 7, She executed an Enrollment Agreement and a Tuition Proposal as part of her enrollmentPlease find a copy of Ms***’s Enrollment Agreement attached as Exhibit and a copy of her Tuition Proposal as Exhibit Both documents clearly disclose the institutional costs associated with the programThe Tuition Proposal also provides an estimate of the financial funds available to cover the costsMs*** also initialed a Pre-Enrollment Checklist, which states in part that Vatterott provided her with a copy of its Campus Catalog as well as time to review and understand the policies found in the Campus CatalogPlease find a copy of the Pre-Enrollment Checklist attached as Exhibit The crux of Ms***’s argument is that Vatterott erroneously scheduled her for three courses during the September term, which resulted in the debt that she disputesHowever, absent her voluntary withdrawal from the program or Vatterott’s receipt of completed Leave of Absence (“LOA”) paperwork from her, Vatterott had no reason to forego scheduling her according to its proceduresTherefore, Vatterott scheduled Ms*** for the next courses of her program, which began September 8, It is important to note that Ms*** attended each of her courses at least once during the September termThis indisputable fact conflicts with her statement that Vatterott enrolled her in three courses while she believed she was on a “temporary break.” Please find a copy of Ms***’s attendance records for the September term attached as Exhibit 10.[1] During the September term, Vatterott representatives attempted to contact Ms*** on several occasions about her absencesUnfortunately, after several failed attempts and in accordance with Vatterott’s attendance policy, Ms*** was eventually dropped from her programAttached as Exhibit 11, please find a copy of Vatterott’s attendance policyBecause Ms*** did not withdraw from her program in accordance with Vatterott’s refund policy, as set forth in the Campus Catalog, she did not meet the qualifications for obtaining a refund and she incurred a debt of $3,Attached as Exhibit 12, please find a copy of Vatterott’s online campus refund policyTherefore, Ms*** remains liable for the debt resulting from her enrollment In her Complaint, Ms*** alleges that despite being told that she would be “placed on a temporary hold due to the birth of [her] child and the passing of [her] brother,” she “was placed in courses,” for which she has incurred a debt of nearly $4,She claims to have documentation proving her extenuating circumstances, but alleges that she could not submit the same for consideration by Vatterott because Vatterott representatives would not identify the appropriate departmentMs*** provides no evidence to substantiate her claim and an examination of her files fails to validate her claimsTo the contrary, Vatterott’s records reveal several attempts by Vatterott representatives to contact Ms*** in September in hopes of offering assistance following a series of absences by herNothing in Ms***’s files suggests that she ever completed the appropriate Leave of Absence (“LOA”) paperworkMs*** claims that no one would assist her, but the information in her files refutes her allegationSpecifically, while Vatterott’s records show that Ms*** indicated a desire to take a break during the September term due to the birth of her son, the same records reflect several unsuccessful attempts made by Vatterott representatives to assist Ms*** in obtaining additional information relevant to her stated desireThis directly conflicts with Ms***’s assertion that Vatterott representatives failed to assist with her LOA requestPlease see Exhibit for corroborating documentationWhile Vatterott is more than willing to provide assistance, students must be proactive, communicate their needs, and follow applicable proceduresIn this particular instance, Ms*** simply never requested an LOAAssuming, arguendo, that Ms*** verbally requested an LOA, all students seeking an LOA are required to request the same via the process outlined in Vatterott’s LOA PolicyVatterott has a comprehensive LOA policy and process with which its students must adhereVague, verbal declarations are insufficient in terms of complying with Vatterott’s LOA Policy As previously mentioned, Ms*** initialed the Pre-Enrollment Checklist, thereby indicating her receipt of the Campus Catalog and time to review and understand Vatterott’s policiesSee Exhibit Included in the Campus Catalog is Vatterott’s LOA Policy, which outlines the LOA request processPlease find a copy of Vatterott’s LOA Policy attached as Exhibit Pursuant to Vatterott’s policy, In order for the student to be granted an approved LOA, the student must submit a completed, signed and dated Leave of Absence Request Form along with supporting documentation to the Director of Education before the start date of the requestAn LOA cannot be granted after the start date of the term for which the student is requesting an LOA unless the student is enrolled in a clock hour programIn addition, the student must have completed his/her most recent term and received academic grades (A-F) for that term Notwithstanding Vatterott’s LOA Policy, Ms*** failed to submit a LOA Request Form and supporting documentation before September 8, Although Vatterott reserves the right to grant LOAs retroactively, review of Ms***’s records revealed neither an LOA Request Form nor any other supporting documentationAlthough Ms*** alleges that no one would assist with her verbal request, Vatterott clearly provided information relevant to Ms*** at the time of her enrollment Further, although Ms*** claims that her enrollment in three courses during the September term was erroneous because she believed that she was on LOA due to her child’s birth and her brother’s death, it is important to note that these events occurred at two separate timesWhile the wording of her complaint might lead one to believe that the birth of her child and the death of her brother occurred within the same period, this is incorrectIt was not until October that Ms*** notified Vatterott of matters concerning her brother and at no time did she indicate that she wished to take an LOA for that reasonSee Exhibit Unfortunately, Ms***’s attendance problems continued, and she was ultimately dropped from her program in accordance with Vatterott’s attendance policyBecause Ms*** dropped beyond the last day on which refunds are permitted, she was not eligible for a refund and could not withdraw without penalty, thus the resulting balance of $3, Lastly, in her complaint, Ms*** mentions that she is locked out of her student account because of her delinquent balanceHowever, it is important to note that after being dropped from the online program in 2014, Ms*** enrolled in Vatterott’s online Pharmacy Technician (AOS) program in November Ms***’s complaint seems to overlook the fact that upon reenrolling in the online program in November 2015, she entered into a payment plan to cover the prior balance of $3,This demonstrates not only Ms***’s knowledge of her prior debt balance, but her agreement to pay the sameFurthermore, the agreement put Ms*** on notice that “enrollment at the School [was] contingent upon maintaining a current account and that … [by failing] to make [her] scheduled payment, the School may deny access to classes, school, computers, final exams, or any other school serviceIn addition, the School can discontinue a student’s enrollment status, not issue grades, and deny requests for transcripts or diplomas if a student has not satisfied in full his/her financial and institutional obligations.” Yet, despite Ms***’s agreement to pay her account balance and her understanding of the consequences of failing to remit payment pursuant to the agreement, Ms*** has failed to abide by her agreementIn fact, despite receiving $7,in stipend checks during her most recent enrollment, Ms*** has only made one payment in the amount of $As a result of Ms***’s delinquency, and pursuant to Vatterott’s policy, Ms*** is not allowed to begin the next term until payment is receivedAccordingly, Ms*** has been locked out of her courses and will remain so until she abides by the terms of her payment obligationsOf note is the fact that Ms*** is once again scheduled to be dropped from her current program of enrollment due to attendance problems Vatterott regrets that Ms*** has been unable to meet her financial obligationsHowever, Vatterott’s policy is clear on its requirements, and Ms*** has acknowledged the sameIf Ms*** has any questions or concerns regarding her bad debt balance, Vatterott’s Corporate Financial Aid and Accounting departments would be pleased to review the account in detail with herVatterott trusts that this response will bring full resolution to this matterIf you need any additional information, please do not hesitate to contact me via telephone at *** or via e-mail at ***@vatterott.edu[1] It is important to note that Ms***’s attendance issues began during her first term of enrollment at EI, which commenced February 25,

VIA ONLINE SUBMISSION Revdex.com of Eastern Missouri and Southern Illinois Re: Revdex.com Case #*** *** *** and Vatterott Educational Centers Dear Madam or Sir: By notice dated May 1, 2017, the Revdex.com of Eastern Missouri and
Southern Illinois (“Revdex.com”) informed Vatterott Educational Centers (“Vatterott”) of a complaint filed against Vatterott by former student, *** ***Vatterott takes student concerns seriously and is committed to addressing and resolving issues that are brought to its attentionVatterott is appreciative that the Revdex.com provided Vatterott with notice of Ms***’s complaint, and an opportunity to respond In Ms***’s complaint, she listed several issues that she faced during her enrollment in Vatterott’s Business Management program (“BM program”)Specifically, she cited not being happy with her teachers, whom allegedly did not help her when she asked for help, or faced personal mattersMs*** also claimed that her communications with the school were unprofessional, she did not receive help in finding a job, and her degree was a waste of time and moneyAs a desired resolution, Ms*** requested that she receive a copy of her diploma from Vatterott, and that Vatterott not contact her further Upon receipt of Ms***’s complaint, Vatterott conducted a thorough review of the available information and found no evidence of wrongdoingVatterott’s records demonstrated that Vatterott’s staff and faculty always worked with Ms*** through any issue she facedFor example, when Ms***’s father was hospitalized in August 2014, her instructor granted an extension to allow her to complete her workAlso, when Ms*** did well in her courses, her instructors praised her hard workLikewise, when Ms***’s attendance began to slip, Vatterott made sure to stay in contact with Ms***, and encourage her commitment to schoolIn sum, Vatterott’s records show that, contrary to Ms***’s claims, she did receive guidance and support from her instructors, and was never refused assistance With respect to Ms***’s claim that she received no career service assistance, Vatterott contends that the opposite is trueThe evidence shows that Vatterott’s Career Services department put forth effort to support Ms*** with her employment goals, and attempted to meet with her to discuss the sameHowever, on more than one occasion, Ms*** rejected the assistance and indicated that she already had a good job, and was not certain if she wanted to pursue a job in her field of study Lastly, Ms*** asserted that all of her communications with the school were unprofessional and that she has been refused a copy of her diploma since her December graduationAt the time that Ms*** graduated, she did have an outstanding balance and thus could not receive a copy of her diploma pursuant to Vatterott’s Transcript PolicyA copy of Vatterott’s Transcript Policy is attached hereto as Exhibit However, after Ms***’s graduation, she entered into a payment plan and subsequently paid off her outstanding balance on January 17, A copy of Ms***’s Account Ledger is attached hereto as Exhibit Since paying off her balance, Ms*** has not contacted the campus to request a copy of her diploma, or it would have been sent to her accordinglyNonetheless, upon notice of Ms***’s complaint with the Revdex.com, Vatterott mailed a copy of Ms***’s diploma and official transcript to her mailing addressConfirmation of delivery is attached hereto as Exhibit Vatterott regrets that Ms*** is unsatisfied with the education she received in its BM programVatterott is hopeful that a copy of her diploma and official transcript will assist Ms*** in her future endeavorsPursuant to Ms***’s request, it has also placed her in its “Do Not Contact” list, and will not communicate further with Ms***However, if Ms*** changes her mind or otherwise needs assistance from Vatterott, including Career Services assistance, Vatterott respectfully requests that Ms*** contact Vatterott directly Vatterott trusts that this response will bring full resolution to this matterIf you need any additional information, please do not hesitate to contact me via phone at *** or via email at ***@vatterott.edu Sincerely, /s/ *** *** Administrator of Student Affairs Vatterott Educational Centers, Inc

Initial Business Response /* (1000, 7, 2015/05/20) */
May 20,
VIA ONLINE SUBMISSION
Revdex.com of Eastern Missouri and Southern Illinois
Re: Revdex.com Case #XXXXXXX
*** *** and Vatterott College
Dear Madam or Sir:
By notice dated May 7, 2015, the RevDex.com of Eastern Missouri and Southern Illinois ("Revdex.com") informed the Vatterott College StCharles, Missouri campus ("Vatterott") of a complaint filed against Vatterott by recent graduate, *** ***Vatterott is appreciative that the Revdex.com provided Vatterott with notice of Ms***'s complaint and an opportunity to respondThe Revdex.com directed Vatterott to provide its response by May 21, 2015, and by this correspondence, Vatterott timely responds
In her complaint, Ms*** raises a number of concerns in relation to her financial aid and her outstanding balanceSpecifically, Ms*** details her academic history and the implication it had on financial aid eligibilityAccording to Ms***, she became ineligible to receive financial aid due to being placed on academic probation, and later regained eligibilityHowever, Ms*** claims she was never notified of her eligibility status, and consequently was left with an outstanding balance and loans that she did not requestIn her complaint, Ms*** is requesting that Vatterott refund the funding that was posted to her account and that her account be absolved
Vatterott takes student complaints very seriously, and upon learning of Ms***'s complaint, Vatterott immediately contacted Ms*** to inquire into how it could assist with her concernsDuring the conversation, Ms*** expressed a frustration in the lack of communication and delay from the campus in resolving her account discrepanciesHowever, Ms*** stated she is waiting for her account to be adjusted, and to receive a refund check accordinglyMs*** stated that this was her ideal resolution to the matter
Subsequently, Vatterott's Corporate Student Affairs and Accounting departments conducted a thorough review of Ms***'s academic records and accountIt was uncovered that throughout Ms***'s tenure at Vatterott, she had failed to meet the standards of satisfactory academic progress ("SAP") in order to remain eligible to continue receiving financial assistanceTo provide the Revdex.com with context, students who fail to meet SAP automatically receive one additional period of "financial aid warning" to meet SAP and are eligible to receive Federal Student Aid during that one additional periodStudents who fail SAP after the additional "financial aid warning," will be ineligible to receive further Federal Student Aid unless an appeal is filed and granted, or until the student once again meet SAP after completing at least one term of enrollment for which non-Federal Student Aid was used in financing that period of enrollmentVatterott's Satisfactory Academic Progress and the Receipt of Financial Aid Policies included in the Campus Catalog are attached hereto as Exhibit
In the instant case, Ms*** had failed to meet SAP during the March 24, phase, and was placed on FA-Warning during the June 2, phase, still receiving Federal Student Aid during the termHowever, Ms*** did not meet SAP during the June 2, term, and subsequently became ineligible for financial aid during the August 11, termAccording to policy, Ms*** submitted an appeal and it was approved by Vatterott's Corporate Academic and Financial Aid DepartmentYet, because the Corporate Financial Department was delayed in granting the appeal, Ms*** was unable to satisfy the clock hours necessary to meet SAP during the August 11, phase, which then made her ineligible for financial aid during the October 20, phaseSince it was Vatterott's responsibility, it graciously agreed to cover the institutional costs for Ms*** during the October 20, phase in which she was ineligible for financial aidDuring the October 20, term, Ms*** fell short of meeting SAP by a few hours, and it was uncovered that she had participated in a Literacy Day paper and was awarded additional hoursHowever, Corporate Financial Aid would not accept the additional hours for SAP, and Ms*** became ineligible for Financial Aid for the December 29, termDue to the circumstances, Vatterott agreed to cover the institutional costs for the December 29, term as wellA copy of Ms***'s Academic Transcript, detailing her SAP progress is attached hereto as Exhibit
After Vatterott agreed to cover the costs of Ms***'s October and December 29, terms, Ms*** did meet SAP and became eligible to receive financial aid for her last phase during the March 9, termAs Ms***'s financial aid records reveal, included hereto as Exhibit 3, MsLove was eligible to receive federal student loans and Pell GrantsAccordingly, Vatterott disbursed the funding to her account to cover the institutional costs for the March 9, termAt the time that Ms*** submitted her complaint, the tuition adjustment for the December 29, term had not yet been appliedWithout the credit adjustment, Ms*** was left with an outstanding balance, upon which she disputedHowever, the credit adjustment in the amount of $3,was posted to Ms***'s account on May 12, 2015, leaving Ms*** with excess funds in the amount of $2,A copy of Ms***'s Student Ledger is attached hereto as Exhibit
After Ms***'s account was credited with the proper amount and the refund check was disbursed, Vatterott notified Ms*** of the sameAt this time, Ms*** has picked up her excess fund check, and has stated she will use to pay back the student loans that were disbursed during the March 9, termVatterott's Student Affairs Department confirmed with Ms*** that she is satisfied with the resolution, and has no additional concerns
In the event Ms*** may have any future concerns, Vatterott encourages her to contact Vatterott directly to work toward a resolutionVatterott trusts that this response will bring full resolution to this matterIf you need any additional information, please do not hesitate to contact me via phone at XXX-XXX-XXXX or via email at ***@vatterott.edu
Sincerely,
/s *** ***
Administrator of Student Affairs
Vatterott Educational Centers, Inc

I received my check and this complaint is resolved.

Initial Business Response /* (1000, 5, 2016/02/17) */
Dear Madam or Sir:
By notice dated February 3, 2016, the Revdex.com Serving Eastern Missouri and Southern Illinois ("Revdex.com") informed the Vatterott College St. Charles, Missouri campus ("Vatterott") of a complaint filed against...

Vatterott by current student [redacted]. Vatterott takes student concerns seriously and is committed to addressing and resolving issues that are brought to its attention. Vatterott is appreciative that the Revdex.com provided Vatterott with a notice of Mr. [redacted]' complaint, and an opportunity to respond. The Revdex.com directed Vatterott to provide its response by February 17, 2016, and by this correspondence, Vatterott timely responds.
In his complaint, Mr. [redacted] raises multiple concerns about his experience at Vatterott. Specifically Mr. [redacted] cites "constant issues with overcharging, improper charges, no communication," and "misuse" of his G.I. Bill, as the reasons for filing his complaint with the Revdex.com. Upon receipt of Mr. [redacted]' complaint, Vatterott conducted a thorough review of its records, and found nothing to suggest wrongdoing on its part. However, there were a number of incidents and facts that culminated together to bring about Mr. [redacted]' complaint. The following is Vatterott's response to the claims raised, provided with supporting documentation.
On January 7, 2015, Mr. [redacted] enrolled in Vatterott's Diesel Mechanic ("Diesel") Program. Upon enrollment, Mr. [redacted] signed an Enrollment Agreement and a Tuition Proposal. Both documents clearly disclosed the institutional costs for the Diesel Program. The Tuition Proposal also provided Mr. [redacted] with an estimate of the financial aid funds that he could apply to the institutional costs of the Diesel Program, including the amount of Chapter 33 Post 9/11 GI Bill benefits for Tuition & Fees ("T&F") Vatterott anticipates to receive from the U.S. Department of Veteran Affairs (the "VA") on his behalf. Mr. [redacted] was made aware that since the Tuition Proposal was only an estimate, that the final amount of financial awards could be adjusted due to changes in enrollment status, a change in eligibility factors, or changes in availability of funds and/or changes in federal/state regulations. Copies of Mr. [redacted]' Enrollment Agreement and Tuition Proposal are attached hereto as Exhibit 1, and Exhibit 2, respectively.
Mr. [redacted]' estimated amount of funding from the VA received one adjustment since the execution of the Tuition Proposal. The adjustment was made as a result of Vatterott's compliance with the regulations set forth by the VA. To be sure, the VA requires every approved school to have and enforce a policy with regard to transfer courses, credits, and previous experience. As a VA approved school, if a student is using VA benefits, Vatterott must evaluate the student's prior college and/or military transcripts for possible Transfer during the first two terms of enrollment as a student's enrollment certification is certified to the VA. During the first two terms, the student should not register for course(s) in which he/she may have already completed from prior college and/or military experience. Accordingly, a student must, at minimum provide their unofficial transcript for review and if Transfer Credit is deemed appropriate, a student must provide their official transcript before two terms have passed, or they risk disruption in receiving their VA certification. In addition, the VA, through the State Approving Agency, requires that students receiving VA education benefits maintain a minimum of eight percent (80%) attendance in each course every thirty (30) days, in addition to meeting Satisfactory Academic Progress ("SAP"). Pursuant to this policy, Vatterott conducts a regular review of VA students' attendance records to ensure compliance with the 80% attendance requirement. If a student is not meeting the 80% attendance requirement, Vatterott will place the student on attendance probation. The student is then notified that if their attendance does not meet the 80% requirement within the next thirty (30) days, the student's enrollment certification will be terminated. Moreover, the student is advised that this may result in having to repay a portion, or all of the VA educational benefits that have been received for that term.
In the instant case, on May 06, 2015 term, Mr. [redacted] was placed on VA hold due to failing attendance probation from the April 6, 2015 to May 5, 2015 term. However, Mr. [redacted] appealed the determination, and worked with his instructor and Vatterott's VA department to resolve the matter. In fact, due to a change in the attendance policy, Mr. [redacted] was allowed to make-up missing work, and passed both of his courses at the conclusion of the term. On July 15, 2015 Mr. [redacted] was notified via the VA Attendance Appeal Approval Letter that his appeal was approved and the VA hold had been removed. Moreover, as his VA benefits had not yet been terminated, there was no impact on his funding as a result. Documentation of Mr. [redacted]' Attendance Hold is attached hereto as Exhibit 3.
At the same time that Mr. [redacted] had appealed the VA hold, Vatterott uncovered that there was a discrepancy between the amount of quarter credit hours that Mr. [redacted] was scheduled for, and the amount that had been reported on his certification to the VA. To be sure, when Mr. [redacted] enrolled, he was certified as a full-time student with 13.5 quarter credit hours. However, due to the evaluation of Mr. [redacted]' military transcripts, he was awarded transfer credit for one course - DM-106. As a result of receiving transfer credit during the April 6, 2015 term, Mr. [redacted]' schedule was reduced from 13.5 to 9 quarter credit hours (2 courses). This change required that Vatterott amend Mr. [redacted]' enrollment certification, and report the same to the VA. More importantly, Mr. [redacted] was notified of the change by campus officials, and through the VA attendance Appeal Approval Letter. See supra Exhibit 3. In addition, due to the adjustment, Mr. [redacted] also had to sign a revised Tuition Proposal, attached hereto as Exhibit 4.
As a result of amending Mr. [redacted]' certification to reflect the reduced number of quarter credit hours, the VA had issued an overpayment in T&F in the amount of $1359.86, as well as housing benefits in the amount of $590.64. Vatterott had anticipated that the VA would assess the T&F overpayment to Vatterott, allowing Vatterott to issue a refund to VA for Mr. [redacted]' account, and assess the housing benefit to Mr. [redacted] - as is policy. However, unbeknownst to Vatterott, the VA assessed the entire debt directly to Mr. [redacted]. It was not until Vatterott received notice of Mr. [redacted]' complaint with the Revdex.com, that Vatterott was made aware that the VA had assessed the entire debt to Mr. [redacted], thereby deducting the debt from his benefits. Although Mr. [redacted] should have been held accountable for the $590.64 housing benefit overpayment, as a courtesy to Mr. [redacted], Vatterott made a determination to write-off $590.64 from Mr. Burn's obligations to Vatterott, in an effort to offset the debt that was assessed by the VA. Moreover, due to the January 11, 2016 enrollment certification reported to VA for T&F, Mr. [redacted] received a $1950.00 credit to his account which will be used to offset the $1359.86 T&F overpayment. A copy of Mr. [redacted]' Student Ledger, detailing the aforementioned refund and credit balance is attached hereto as Exhibit 5.
With a complete understanding of the facts and circumstances that resulted in Mr. [redacted]' funding issues, Vatterott's Administrator of Student Affairs and the Corporate Vice President of Financial Aid called Mr. [redacted] to review the matter. The aforementioned information was shared with Mr. [redacted], and he was able to fully understand Vatterott's accountability in the matter. Moreover, Vatterott addressed Mr. [redacted]' concerns regarding the PELL grant, as denoted in his complaint with the Revdex.com. Vatterott explained that although he did have a credit balance of $1703.58, by the time Mr. [redacted] requested the stipend check, the January 11, 2016 T&F had been posted to his account which reduced the credit balance to $343.72. Mr. [redacted] expressed understanding, and was grateful for the assistance in reviewing his concerns. Further, Mr. [redacted] conceded that his frustrations primarily lied upon the lack of communication from both the VA and Vatterott's campus personnel. However, Mr. [redacted] agreed to contact Vatterott's Corporate Financial Aid department directly in the future if he shall have any questions or concerns.
Vatterott regrets that Mr. [redacted] had a frustrating experience in resolving his funding issues. However, Vatterott trusts that this response will bring full resolution to this matter. Please do not hesitate to contact me directly should you need any additional information via phone at XXX-XXX-XXXX or via email at [redacted]@vatterott.edu
Sincerely,
/ [redacted]
Administrator of Student Affairs

Dear Madam or Sir:   By notice dated November 14, 2016 the Revdex.com of Eastern Missouri and Southern Illinois (“Revdex.com”) informed Vatterott Educational Centers (“Vatterott”) of a complaint filed against Vatterott by current student, [redacted]. Vatterott takes student concerns...

seriously and is committed to addressing and resolving issues that are brought to its attention. Vatterott is appreciative that the Revdex.com provided Vatterott with notice of Mr. [redacted]’s complaint and an opportunity to respond. The Revdex.com directed Vatterott to provide its response within seven (7) and by this correspondence, Vatterott timely responds.   In his complaint, Mr. [redacted] expressed a concern over two issues: (1) the use of books in his program; and (2) financial aid funding. Specifically, Mr. [redacted] alleges that when he began classes in July 2016, he was given a list of books to cover his courses. However, he has uncovered that his books do not cover the studies, and as a result his grades have suffered. Mr. [redacted] noted that he has attempted to reach a resolution at the campus level, but he has not heard back. In addition, Mr. [redacted] is upset that he has not received any grant money. Mr. [redacted] is requesting that he be allowed to re-take the course, with the proper books, and with no additional costs.   At the outset, it bears noting that upon receipt of Mr. [redacted]’s complaint, Vatterott conducted a thorough review of Mr. [redacted]’s records. Vatterott’s review found nothing to suggest any wrongdoing on its part in this matter, and nothing that would justify that Mr. [redacted] re-take his course free of cost. The following is a factual summary from Vatterott’s records regarding Mr. [redacted]’s complaint to the Revdex.com. Supporting documentation is attached and referenced by exhibit number, as appropriate, in the context of the narrative.   On June 11, 2016 Mr. [redacted] enrolled in Vatterott’s Heating, Air Conditioning, and Refrigeration Technology (“HVAC”) program. That day, Mr. [redacted] signed an Enrollment Agreement and a Tuition Proposal. Both documents clearly disclosed the institutional costs for the HVAC Program. The Tuition Proposal also provided Mr. [redacted] with an estimate of the financial aid funds that he could apply to the institutional costs of the HVAC program. A copy of Mr. [redacted]’s Enrollment Agreement and Tuition Proposal are attached hereto as Exhibit 1 and Exhibit 2, respectively.   In his complaint, Mr. [redacted] claims that when he enrolled in the HVAC program he was provided with books intended to “cover all courses.” However, after his first phase in the program, he learned the books did not cover the studies and as a result his grades dropped. However, the fact is that the book he purchased at the outset of his program does still cover the content of the course he is currently enrolled in. To be sure, his current course – HV-112 Basic Electricity for HVAC/R, uses the same book that Mr. [redacted] purchased, but it is a newer version of the same. Accordingly, while the material in the book is the same, some of the page numbers vary due to the updated editing. As is noted in the Enrollment Agreement that Mr. [redacted] signed, Vatterott has the right to make changes, in its sole discretion, to any facet of the curriculum, including course structure and content. In the instant case, the course that Mr. [redacted] is enrolled in uses a newer version of the book he purchased. This, however, did not alter the curriculum or content that Mr. [redacted] had access to, as he was still provided with the resources needed to complete the work for the course.   Despite being made aware of the changes in the book at beginning of the September 19, 2016 phase, Mr. [redacted] first brought this concern to the attention of the Director of Education, [redacted] on November 9, 2016. At that time, Mr. [redacted] had not posted attendance in his class since October 31, 2016. When Mr. [redacted] was asked if he had brought the issue to his HVAC Program Director Mr. [redacted], Mr. [redacted] stated, “No, I just stopped coming.” Upon notice of Mr. [redacted]’s concerns, Ms. [redacted] inquired into the matter to determine what the issue at hand was. Mr. [redacted] explained that Mr. [redacted]’s HV-112 course was integrated with students from two different cohorts, which had two different versions of the same book. To be sure, while Mr. [redacted] had the older version of the book required for the course, the content and material was the same. The only discrepancy within the books were the page numbers – which the instructor worked around to ensure all the students were directed to the appropriate information. Mr. [redacted] was provided with the opportunity to purchase the newer version of the book, but he refused. Despite Mr. [redacted]’s decision to keep the older version of the book, his Instructor provided Mr. [redacted] with the resources needed to read the text and complete the required assignments. Even so, Mr. [redacted] chose to stop attending the class, and his continued absence is what resulted in his poor grade in the same. Attached as Exhibit 3 is a copy of Mr. [redacted]’s Attendance Record, showing that his last date of attendance in the course was on October 31, 2016.   Most recently, several officials the campus have been attempting contact with Mr. [redacted] to get him back in class and get caught up on the material missed. However, Mr. [redacted] did not want to accept the assistance, and has stated that he does not want to return to this phase. If Mr. [redacted] does change his mind, Vatterott requests that he contact the campus to get back in school and finish the program. Vatterott wishes Mr. [redacted]’s success, and will do what it can to ensure Mr. [redacted] remains committed to completing his HVAC degree.   With respect to Mr. [redacted]’s concern over his financial aid funding, Vatterott’s Corporate Financial Aid department reviewed Mr. [redacted]’s account, and found no issues. While Mr. [redacted] expresses a concern over not receiving “grant money,” his account demonstrates that all of his funding has posted correctly pursuant to his Tuition Proposal, see supra Exhibit 2. Specifically, his PELL Grant posted for both of his terms – first on July 27, 2016, and then on October 4, 2016. A copy of Mr. [redacted]’s student ledger is attached hereto as Exhibit 4. If Mr. [redacted] is concerned with receiving a stipend check, his Tuition Proposal clearly shows that he is not expected to receive a stipend until much later in his enrollment (term 7). If Mr. [redacted] has any other concerns regarding his Financial Aid, Vatterott advises Mr. [redacted] to contact its Corporate Financial Aid Department for assistance.   Vatterott trusts that this response will bring full resolution to this matter. If you need any additional information, please do not hesitate to contact me via phone at [redacted] or via email at [redacted]@vatterott.edu.   Sincerely,                                         ...⇄ /s/ [redacted] Administrator of Student Affairs Vatterott Educational Centers, Inc.

Dear Madam or Sir:   By notice dated May 24, 2016 the Revdex.com of Eastern Missouri and Southern Illinois (“Revdex.com”) informed Vatterott Educational Centers (“Vatterott”) of a complaint filed against Vatterott by former student, [redacted]. Vatterott takes student concerns seriously...

and is committed to addressing and resolving issues that are brought to its attention. Vatterott is appreciative that the Revdex.com provided Vatterott with notice of Ms. [redacted]’s complaint and an opportunity to respond. The Revdex.com directed Vatterott to provide its response within seven (7) and by this correspondence, Vatterott timely responds.   In Ms. [redacted]’s complaint, she expressed a concern over her transcript being sent in an untimely fashion to the Cosmetology State Board. Ms. [redacted] claimed that Vatterott has sent the transcript twice, once with the incorrect format and once more with incorrect information. Without the transcript, Ms. [redacted] noted that she is unable to get a job and this has impacted her finances. Moreover, Ms. [redacted] claimed that when she contacted Vatterott’s Fairview Height’s campus, she did not receive a call back.   Upon receipt of Ms. [redacted]’s complaint, Vatterott contacted Ms. [redacted] directly to ensure Vatterott looked into all of her concerns.  Ms. [redacted] explained that since her graduation from Vatterott’s Cosmetology Program, the State Board has received two (2) transcripts from Vatterott that were incorrect. According to Ms. [redacted], the first transcript that was sent was in the wrong format, and the second transcript had the incorrect information listed. Specifically, Ms. [redacted] indicated that the wrong Social Security Number (“SSN”) and wrong dates of attendance were listed on the transcript. When Vatterott verified the SSN with Ms. [redacted], it was proven that the SSN was correctly listed on the transcript. However, the dates of attendance were incorrectly noted. For reference, a copy of the Second Transcript sent on May 2, 2016 is attached hereto as Exhibit 1.   Vatterott deeply regrets that inconvenience that this matter has caused Ms. [redacted]. After speaking with Ms. [redacted], Vatterott immediately made the pertinent corrections and mailed the revised transcript to the State Board. A copy of Ms. [redacted]’s revised transcript sent on May 25, 2016 is attached hereto as Exhibit 2. Vatterott also took upon itself to contact the State Board directly to ensure that they had received Ms. [redacted]’s transcript, and all the pertinent information was correct. Unfortunately, as of the date of this correspondence, the State Board has not responded to Vatterott’s inquiries. Nonetheless, Vatterott will continue to ensure that Ms. [redacted]’s paperwork is processed and accepted.   Vatterott trusts that this response will bring full resolution to this matter. If you need any additional information, please do not hesitate to contact me via phone at [redacted] or via email at [redacted]@vatterott.edu.   Sincerely,                                         ...⇄ /s/ [redacted] Administrator of Student Affairs Vatterott Educational Centers, Inc

Initial Business Response /* (1000, 7, 2015/11/02) */
November 2, 2015
VIA ONLINE SUBMISSION
Revdex.com of Eastern Missouri and Southern Illinois
Re: Revdex.com Case #XXXXXXX
[redacted] and Vatterott College - Berkeley
Dear Madam or Sir:
By notice dated October 21, 2015...

the Revdex.com of Eastern Missouri and Southern Illinois ("Revdex.com") informed the Vatterott College's Berkeley, Missouri campus ("Vatterott") of a complaint filed against Vatterott by former student, [redacted]. Vatterott takes student concerns seriously and is committed to addressing and resolving issues that are brought to its attention. Vatterott is appreciative that the Revdex.com provided Vatterott with notice of Ms. [redacted]'s complaint and an opportunity to respond. The Revdex.com directed Vatterott to provide its response by November 4, 2014, and by this correspondence, Vatterott timely responds.
At the onset, it bears noting that the Revdex.com's October 21, 2015 correspondence makes claim that a first notice had been issued to Vatterott, upon which the Revdex.com received no response. However, Vatterott does not have any records of receiving a prior notice of Ms. [redacted]'s complaint.
In Ms. [redacted]'s complaint she raises concerns regarding the level of professionalism and the Pharmacy Technician ("PT") program's curriculum. Specifically, Ms. [redacted] claims that her disappointment stems from an invitation that did not provide a date, time, or location; class being consistently interrupted; unfair attendance policies; a rude employee that fitted her for uniforms; and an unprepared instructor. Overall, Ms. [redacted] states that she was very "upset," "let down," and "dissatisfied," with her education at Vatterott.
While, Vatterott regrets that Ms. [redacted] is dissatisfied with the education she received at Vatterott during her brief enrollment in the PT program, it makes note that it has many students who are pleased with their education and have successfully completed the PT program. In fact, the PT program's high graduation and placement rates are indicative of the quality of education that Vatterott students are receiving. To be sure, the aforementioned complaints raised by Ms. [redacted] are not corroborated by the positive student surveys regarding the PT program instructors, the quality of education, and the campus environment. Moreover, it bears noting that Vatterott has not received any informal or formal complaints from Ms. [redacted] regarding her education, prior to the complaint she filed with the Revdex.com.
Nonetheless, in an effort to assist Ms. [redacted] and address her concerns, Vatterott has agreed to refund Ms. [redacted]'s financial aid funding, as it is her desired resolution to the matter. In addition, Ms. [redacted]'s account has been credited with the cost of the uniforms she had previously been charged with. A copy of Ms. [redacted]'s Student Ledger is attached hereto as Exhibit 1.
On October 28, 2015, Vatterott's Administrator of Student Affairs spoke with Ms. [redacted] about her concerns about her experience at Vatterott. Ms. [redacted] was notified of the full refund of her loans and uniforms, and Ms. [redacted] expressed full satisfaction with the resolution. Please do not hesitate to contact me directly should you need any additional information via phone at XXX-XXX-XXXX or via email at [redacted]@vatterott.edu
Sincerely,


/s/ [redacted]
Associate General Counsel
Administrator of Student Affairs
Vatterott Educational Centers, Inc.

VIA ONLINE SUBMISSION Revdex.com of Eastern Missouri and Southern Illinois Re:       Revdex.com Case #[redacted] and Vatterott Educational Centers Dear Madam or Sir: On December 29, 2016, the Revdex.com of Eastern...

Missouri and Southern Illinois (“Revdex.com”) informed Vatterott Educational Centers, Inc. about a complaint filed against it by former student, [redacted], a former Vatterott student. Vatterott takes student concerns seriously and is committed to addressing and resolving issues brought to its attention. Vatterott appreciates the opportunity to respond. The Revdex.com directed Vatterott to provide its response within seven (7) days and by this correspondence, Vatterott timely responds. Before proceeding, it bears noting that this complaint is the same as that submitted under case no.: [redacted]. Vatterott is unable to determine whether Ms. [redacted] filed this complaint on her behalf or that of her wife, Ms. Breanna [redacted]. In her complaint, Ms. [redacted] expressed concern over two issues: (1) charges of approximately $4,000.00; and (2) lack of access to her student account. Specifically, Ms. [redacted] alleges Vatterott representatives led her to believe that she could take a leave of absence due to extenuating circumstances, but subsequently enrolled her in three courses. Because of the enrollment in said courses, Ms. [redacted] believes that she erroneously incurred a debt of approximately $4,000.00. Furthermore, Ms. [redacted] alleges that although she is nearing graduation she is locked out of her student account due to her past due balance. Ms. [redacted] does not believe that she is liable for the debt of approximately $4,000.00 and now seeks settlement of the same as well as access to her student account.  At the outset, it bears noting that upon receipt of Ms. [redacted]’s complaint, Vatterott conducted a thorough review of Ms. [redacted]’s records. Vatterott’s review found nothing to suggest any wrongdoing on its part in this matter or anything that would justify a settlement. Likewise, Vatterott’s Corporate Financial Aid Department reviewed Ms. [redacted]’s files and concluded that all financial aid was properly processed and paid to her account. The following is a factual summary of Vatterott’s records as they pertain to Ms. [redacted]’s complaint. Supporting documentation is attached and referenced by exhibit number, as appropriate, in the context of the narrative.  On December 5, 2012, Ms. [redacted] enrolled at Vatterott’s ex’treme Institute (“EI”), located in St. Louis, Missouri. Ms. [redacted] executed an Enrollment Agreement and a Tuition Proposal as part of the enrollment process. Both documents clearly disclose the institutional costs associated with the program. The Tuition Proposal also provides an estimate of the financial funds available to cover associated costs. Ms. [redacted] also initialed a Pre-Enrollment Checklist, which states in part that Vatterott provided her a copy of the Campus Catalog as well as time to review and understand the policies therein. Unfortunately, after several absences, Ms. [redacted] was dropped from her program of enrollment in accordance with Vatterott’s attendance policy. Because Ms. [redacted]’s drop occurred beyond the last date on which students may receive a refund, Ms. [redacted] incurred a debt of $660.30. After applying a Pell Grant to this balance, Ms. [redacted]’s remaining balance at EI become $440.38.  After being dropped from her program of enrollment at EI, Ms. [redacted] reenrolled at Vatterott’s Online campus in April of 2014. Despite completing the same paperwork and being provided the same documentation in regards to policies and expectations, Ms. [redacted] again began experiencing attendance issues and was subsequently dropped from her program of enrollment at Vatterott’s Online campus. Because Ms. [redacted]’s drop occurred beyond the last day for which students were eligible for refunds, she incurred a debt of $3,977.08. Further, review of Vatterott’s files reveal no request for an LOA submitted by Ms. [redacted]. As previously stated, Vatterott is unable to decipher on whose behalf Ms. [redacted] filed her complaint. Even still, as previously mentioned Ms. [redacted] initialed the Pre-Enrollment Checklist thereby indicating receipt of the Campus Catalog and time to review and understand Vatterott’s policies. Included in the Campus Catalog is Vatterott’s Leave of Absence (“LOA”) Policy, which outlines the LOA request process. Pursuant to Vatterott’s policy, “[i]n order for the student to be granted an approved LOA, the student must submit a completed, signed and dated Leave of Absence Request Form along with supporting documentation to the Director of Education before the start date of the request. An LOA cannot be granted after the start date of the term for which the student is requesting an LOA unless the student is enrolled in a clock hour program. In addition, the student must have completed his/her most recent term and received academic grades (A-F) for that term.” Notwithstanding Vatterott’s LOA Policy, Ms. [redacted] failed to submit a LOA Request Form and supporting documentation before September 8, 2016, which was the date on which she was required to submit the documentation. Although Vatterott reserves the right to grant LOAs retrospectively, review of Ms. [redacted]’s records revealed neither an LOA Request Form nor any other supporting documentation. Although Ms. [redacted] alleges no one would assist with her request, Vatterott clearly provided information relevant to Ms. [redacted] at her time of enrollment.  Making matters even more confusing is Ms. [redacted]’s reference to her student account and graduation. Ms. [redacted] is not a current student of Vatterott and has not been a student since 2014. Because the claims raised by  The crux of Ms. [redacted]’s argument is that she should not have been scheduled for classes during the September 2014 term. However, absent voluntary withdrawal or receipt of completed LOA paperwork, Vatterott had no reason to forego scheduling Ms. [redacted] according to its normal procedure. Therefore, Vatterott scheduled Ms. [redacted] for the next courses of her program, which commenced September 8, 2014. It is important to note that Ms. [redacted] posted attendance at least once in all classes during the September 2014 term. This conflicts with her inference that Vatterott enrolled her in three courses while she believed she was on a leave of absence. During the September 2014 term, Vatterott representatives unsuccessfully attempted to contact Ms. [redacted] on several occasions regarding her absences. Unfortunately, after several failed attempts and in accordance with Vatterott’s attendance policy, Ms. [redacted] was dropped from the program. Because Ms. [redacted] did not withdraw from the program in accordance with Vatterott’s refund policy, as written in the Campus Catalog, she did not meet the qualifications set forth that might have entitled her to a refund. Therefore, Ms. [redacted] remains liable for any debt resulting from her enrollment, and subsequent drop.  In the complaint, Ms. [redacted] also alleges that she is locked out of her student account because of her delinquent balance. However, it is important to note that Ms. [redacted] is not a current Vatterott student. As discussed above, Ms. [redacted] was last dropped from her program of enrollment in 2014 and has not reenrolled at any Vatterott campus since that time. Students portals are exclusively designated for currently enrolled students; thus as a former student, Ms. [redacted] is unable to access the documentation contained therein.  Vatterott regrets that Ms. [redacted] has been unable to meet her financial obligations. However, Vatterott policy is clear on the requirements, and Ms. [redacted] has acknowledged the same. If Ms. [redacted] has any questions or concerns regarding her bad debt balance, Vatterott’s Corporate Financial Aid and Accounting departments would be pleased to review the account in detail with her. Vatterott trusts that this response will bring full resolution to this matter. If you need any additional information, please do not hesitate to contact me via telephone at [redacted] or via e-mail at [redacted]@vatterott.edu.

Initial Business Response /* (1000, 5, 2015/11/17) */
November 17, 2015
VIA ONLINE SUBMISSION
Revdex.com of Eastern Missouri and Southern Illinois
Re: Revdex.com Case #XXXXXXX
[redacted] and Vatterott Educational Centers
Dear Madam or Sir:
By notice dated November 5, 2015,...

the Revdex.com of Eastern Missouri and Southern Illinois ("Revdex.com") informed Vatterott Educational Centers ("Vatterott") of a complaint filed against Vatterott by former student, [redacted]. It bears noting that while this complaint was addressed to Vatterott's Sunset Hills, Missouri campus, Ms. [redacted] was a student at Vatterott's NorthPark campus in Berkeley, Missouri. Vatterott takes student concerns seriously and is committed to addressing and resolving issues that are brought to its attention. Vatterott is appreciative that the Revdex.com provided Vatterott with notice of Ms. [redacted]'s complaint and an opportunity to respond. The Revdex.com directed Vatterott to provide its response by November 19, 2015, and by this correspondence, Vatterott timely responds.
In Ms. [redacted]'s complaint, she raises concerns regarding the following:
(1) A damaged "student kit," presumed to be in reference to her cosmetology school tool kit, which Ms. [redacted] claims was damaged since she received it in 2021 sic, presumed to be 2011; and
(2) A Manlady sic, presumed to be Milady book (thereafter pluralized to "books" without clarification) that had been damaged and not replaced.
Moreover, Ms. [redacted] expresses dissatisfaction with Vatterott for "trying to make her pay her student loan," and further requests resolution via a refund for her "kit and books." Here, it should be noted that after Ms. [redacted]'s most recent currently enrollee status with Vatterott in October 2013, her ending balance owed, which includes all education expenses, was $4,277.89. A copy of Ms. [redacted]'s Student Ledger is attached hereto as Exhibit 1. This Student Ledger notes three (3) instances of Ms. [redacted] being charged for "Books/tools/supplies" during the entire span of her education history with Vatterott. A copy of each invoice is attached hereto as Exhibit 2. Not accounting for taxes, the approximate total for these three (3) charges comes to $1,566.75, which reflects deductions for a uniform and USB flash. In other words, this calculation serves to clarify that Ms. [redacted]'s stated Case Description and Desired Resolution in her complaint do not complement one another.
As seen in Ms. [redacted]'s Student Ledger and the accompanying invoice document, Ms. [redacted] was billed for a "Cosmo Tool Kit" on August 11, 2011. Ms. [redacted] elected to take a leave of absence in September 2011. Vatterott worked with Ms. [redacted] extensively to find a way for her to continue her education, but she did not begin taking classes again until April 2013. While Vatterott acknowledges and sympathizes with the fact that Ms. [redacted] had medical issues, it has investigated this matter and determined that there is no record of Ms. [redacted] complaining about her Cosmo Tool Kit until August 27, 2013. At that time, Ms. [redacted] spoke to a Vatterott employee about the rolling bag from her kit being defective. After being advised that the employee would call the supplier in an attempt to remedy the matter, Ms. [redacted] stated that not only did she want the alleged defective bag replaced, but that she also wanted replacements for all of the supplies therein. The Vatterott employee informed Ms. [redacted] that said employee would only be able to work towards having the defective bag itself, not the undamaged supplies therein, replaced. At this point, Ms. [redacted] told the employee that she would go get a new bag on her own. From this date until September 13, 2013, Vatterott made numerous attempts to contact Ms. [redacted], as she had not been attending class. On September 13, 2013, a Friday, Ms. [redacted] again called and spoke to a Vatterott employee and complained about her bag, and the employee told her that she needed to contact a different campus official. The employee also noted that the supplier had contacted Vatterott about Ms. [redacted] "harassing anyone she could get ahold of, including the owner" in regards to her Kit. On September 16, 2013, a Monday, Ms. [redacted] informed Vatterott that she would be taking another leave of absence. Records documenting the aforementioned communications and attempts to contact Ms. [redacted] are attached hereto as Exhibit 3.
To summarize the Cosmo Tool Kit issue, Ms. [redacted] took possession of said Kit in 2011 and made no complaints about any defective characteristics thereof for approximately two (2) years. At that time, Vatterott, despite not knowing the extent of the damage or whether or not Ms. [redacted] had caused the damage on her own whilst possessing said Kit away from cosmetology school for the majority of two (2) years, made efforts to resolve the situation. Before Vatterott could continue to ascertain pertinent information to fully resolve the issue, Ms. [redacted] opted to take a leave of absence. Ms. [redacted] made no further attempts to have her Kit issue resolved in the manner in which she had been instructed or told would be possible.
As seen in Ms. [redacted]'s Student Leger and the accompanying invoice document, Ms. [redacted] was billed for Milady texts during both 2011 and 2013. She made no complaints about her textbooks in 2011. Ms. [redacted] was billed for her 2013 book bundle on April 16, 2013. In early August 2013, Ms. [redacted] began complaining about a book falling apart at the binding and pages falling out. Vatterott thoroughly investigated this matter and decided to order replacement books for any books that were falling apart. On August 21, 2013, a Vatterott employee attempted to contact Ms. [redacted] to inform her that replacement books had been ordered, and that Ms. [redacted] could receive a new book. As detailed above, this time frame was that during which Ms. [redacted] started to miss class on a regular basis and ultimately decided to take a leave of absence. Records documenting the communications discussed in this paragraph are attached hereto as Exhibit 3.
Vatterott trusts that this response will bring full resolution to this matter. If you need any additional information, please do not hesitate to contact me via phone at XXX-XXX-XXXX or via email at [redacted]@vatterott.edu.
Sincerely,

Dear Madam or Sir:   On July 13, 2016, the Revdex.com of Eastern Missouri and Southern Illinois (“Revdex.com”) informed the Vatterott College’s ex’treme Institute by Nelly (“Vatterott”) of a complaint filed against Vatterott by former student, [redacted]. Vatterott takes student...

concerns seriously and is committed to addressing and resolving issues that are brought to its attention. Vatterott is appreciative that the Revdex.com provided Vatterott with notice of Ms. [redacted]’s complaint and an opportunity to respond. The Revdex.com directed Vatterott to provide its response within seven (7) days, and by this correspondence, Vatterott timely responds.   In her complaint, Ms. [redacted] raises a concern over the assistance, or lack thereof, that she received from school officials with respect to Career Services and her showcase event. Specifically, Ms. [redacted] states that Vatterott did not assist her with her career goals, and failed assist her in getting her “property” back from a student after the event. In her complaint, Ms. [redacted] asks that Vatterott pay her $7,000 for the money and energy she put forth in preparing the showcase event, including “promotion, food, t-shirt, prizes, equipment, marketing, costumes, CDS, advertising, transportation, time, and hospital bills,” and that Vatterott provide her with a copy of the event recording.   At the outset, it bears noting that since Ms. [redacted]’s graduation, Vatterott has made numerous efforts to resolve Ms. [redacted]’s concerns. On several occasions, Vatterott officials have spoken with Ms. [redacted], offered her guidance, and provided her an opportunity to receive a copy of the property in question. Despite Vatterott’s best efforts, Ms. [redacted] has refused to cooperate with Vatterott officials, and has asserted she rather pursue legal action against the College. With this in mind, Vatterott has conducted a thorough review of its files and records, and has found nothing to suggest any wrongdoing on its part in this matter, and nothing that would justify a monetary compensation. The following is a factual summary from Vatterott’s records regarding Ms. [redacted]’s complaint to the Revdex.com. Supporting documentation is attached and referenced by exhibit number, as appropriate, in the context of the narrative.   Ms. [redacted] enrolled in Vatterott’s Entertainment and Media Business with Management Associate of Occupational Studies A.O.S. (“EMBM”) program on September 24, 2013. A copy of Ms. [redacted]’s Enrollment Agreement is attached hereto as Exhibit 1. The EMBM program is designed to prepare students to function in a wide range of positions requiring the skills of persuasive communication. Students in the EMBM program are introduced to advertising, public relations, management, marketing, and sales in the entertainment industry. In the final phase of the EMBM program, students are required to complete MU-202 Entertainment and Media Capstone, in which students incorporate the knowledge and skills they learned over the course of the entire program. As part of the capstone, students are required to complete a project using both outside and school resources, where they may choose an artist/band/entertainer that they would like to manage, and create all the promotional and advertising material for the artist and the event that they will be performing at. A copy of MU-202 Course Description is attached hereto as Exhibit 2.   In the instant case, for the MU-202 Capstone project, Ms. [redacted] chose to hold an event at the campus titled, “Carnival of Music.” Pursuant to the course requirements, Ms. [redacted] was responsible for all aspects of the event, including the planning, advertising, financing, and overall management. Ms. [redacted] organized the event to be held on November 7, 2016 from 1:00 pm to 4:30 pm. The campus was scheduled to close at 5:00 pm, allotting Ms. [redacted] thirty minutes to clean up after the event was over. On the day of the event, Ms. [redacted] arrived an hour late, which resulted in a chaotic and disorganized affair. Ms. [redacted] failed to properly delegate responsibilities to those that were there to help, and the performances had to be cut-off short at 4:30 pm, pursuant to the pre-established schedule. Nonetheless, as Ms. [redacted] indicates in her complaint, the event was a success. This was in large part due to the support from Vatterott officials in assisting Ms. [redacted] with equipment set-up, and allotting the use of the campus space. Ms. [redacted]’s grade in the course was based solely on her planning and management of everything leading up to the event, and she ultimately received an “A” in her capstone project. A copy of Ms. [redacted]’s Academic Transcript is attached hereto as Exhibit 3           .   After Ms. [redacted] completed her capstone project, she successfully graduated from the EMBM program on November 16, 2014. The subject of Ms. [redacted]’s complaint involves the circumstances that played out after Ms. [redacted]’s graduation from Vatterott, involving the video footage of her event. To be sure, Ms. [redacted] had entered into a good faith agreement with another student, [redacted], in which Mr. [redacted] agreed to act as a videographer for Ms. [redacted]’s event. Mr. [redacted] agreed to record the event, edit the footage, and provide copies of the same to Ms. [redacted] at no cost. While Mr. [redacted] initially wanted to be paid for the job, Ms. [redacted] indicated that it was for a school-related event, and she did not have a budget to provide funds. Thus, Ms. [redacted] advised Mr. [redacted] that she would promote his work as a compensation for the recording. It bears noting that neither Vatterott nor its representatives were a party to the agreement, and had no involvement in the matter.   Ultimately, Mr. [redacted] did record the event, using his own equipment and supplies. After the event took place, Ms. [redacted] demanded that Mr. [redacted] provide the footage right away. However, with other priorities at hand, it took Mr. [redacted] from November 2014 to January 2015 to edit the footage. During this time, Mr. [redacted] indicated that Ms. [redacted] was harassing him, making threats, and engaging in disrespectful behavior. Ultimately, both parties hit an impasse, and involved Vatterott officials into the dispute.  Vatterott’s Campus Director, [redacted], communicated with both Mr. [redacted] and Ms. [redacted] on various instances, in an effort to reach a resolution between the two. Due to Mr. [redacted]’s encouragement, Mr. [redacted] agreed to drop the DVDs of the footage for Ms. [redacted]. At that time, Mr. [redacted] reached out to Ms. [redacted] and instructed her to pick up the DVDs, but Ms. [redacted] showed no interested in doing so.   It was not until a few months later that Ms. [redacted] again made contact with Vatterott. On April 29, 2016 Vatterott received a demand letter from Ms. [redacted], attached hereto as Exhibit 4, in which Ms. [redacted] accused Vatterott of “breaching a contractual agreement,” by not allowing her to host the show on its campus. Ms. [redacted] also threatened to take legal action against Vatterott for the “emotional, financial, and physical stress,” that resulted from her experience with the capstone project.  Immediately after receiving this letter, Vatterott’s Student Affairs contacted Ms. [redacted] to review her concerns. During the conversation that took place on May 2, 2016, Ms. [redacted] exclaimed that her career opportunities were inhibited by not having a copy of the footage from her event. As a result, Ms. [redacted] explained that she has suffered emotional and psychology stress, and demanded that Vatterott be held responsible for the same. At that time, Vatterott’s Administrator of Affairs offered to send Ms. [redacted] a copy of the video footage that Ms. [redacted] had previously failed to pick up. However, Ms. [redacted] said she was not interested, and will instead pursue her monetary requests through her attorney, and ended the call.   Then, on May 25, 2016, Vatterott received a letter purported to be from Ms. [redacted]’s attorney, Ms. [redacted]. The May 25, 2016 letter, attached hereto as Exhibit 5, again restated Ms. [redacted]’s claims of suffering emotional distress due to the circumstances surrounding her final project at Vatterott. Ms. [redacted]’s attorney also made a demand of $30, 0000, plus a copy of the DVD of the event. On June 1, 2016, Vatterott responded to Ms. [redacted], and denounced any involvement in the agreement between Ms. [redacted] and the student regarding the videography of the event. Nonetheless, Vatterott expressed a willingness to work with Ms. [redacted], and her attorney to reach an amicable resolution. A copy of Vatterott’s June 1, 2016 Response is attached here to as Exhibit 6. However, Vatterott did not receive any further correspondence from Ms. [redacted] or her attorney regarding the matter.   In addition to Ms. [redacted]’s claims regarding the circumstances surrounding the “Carnival of Music” event, Ms. [redacted]’s complaint to the Revdex.com also brings forth a grievance with Vatterott’s Career Services Department. Specifically, Ms. [redacted] alleges that she has not been assisted by Vatterott with her career goals. To provide the Revdex.com with context, Vatterott’s Career Services department is available to assist students with employment opportunities, updating resumes, fine tuning interviewing skills, and professional networking techniques. While the Career Services department will act as a liaison between students and employers, it is the ultimate responsibility of the student to secure appropriate employment. Further, it is continuously stressed to students that Vatterott cannot and will not guarantee students a job. A provision from the Campus Catalog regarding Career Services is attached hereto as Exhibit 7.   In the instant case, Vatterott’s Career Services department has continuously offered assistance to Ms. [redacted] by helping her update her resume and sending her job leads for various opportunities. At the time Ms. [redacted] graduated, she completed a Graduate Exit Survey, in which she indicated she was satisfied with her education and Vatterott, and was interested in employment assistance from Career Services. Ms. [redacted] also completed the “Application for Career Services Assistance Form,” in which she agreed to several provisions, including taking responsibility for career search by making independent attempts to secure employment and maintaining weekly (at minimum) contact with Career Services. Copy of Ms. [redacted]’s Career Services Documentation is attached hereto as Exhibit 8. In spite of Ms. [redacted]’s previous attestation to work with Career Services, soon thereafter graduating, Ms. [redacted] not only refused to cooperate with Vatterott’s Career Services Department, but also engaged in disrespectful behavior. As the attached correspondence demonstrates, included hereto as Exhibit 9, Ms. [redacted] requested that she not receive any job leads or assistance from Vatterott’s Career Services Department. Most recently on June 10, 2016, Ms. [redacted] asked to be taken of the contact list so that she would not receive any more correspondence concerning job placements, and thus Vatterott has honored this request.   As shown above, Vatterott has continuously made efforts to assist Ms. [redacted], including providing her several opportunities to receive a copy of the requested video footage. Ultimately, it has been Ms. [redacted] whom up to this point refused to accept the copy of the event, and has asserted she rather pursue legal action so that she can be compensated for her alleged claims of psychological and emotional distress. With this in mind, Vatterott is still committed to ensuring Ms. [redacted]’s future success. If Ms. [redacted] would like to receive a copy of the requested video footage, Vatterott encourages her to contact Vatterott’s Administrator of Student Affairs (contact information is below). Further, if Ms. [redacted] changes her mind and does want to receive Career Services assistance, Vatterott encourages her to contact the school directly.     Vatterott regrets that Ms. [redacted] is dissatisfied with her experience at Vatterott. However, Vatterott trusts that this response will bring full resolution to this matter. If you need any additional information, please do not hesitate to contact me via phone at [redacted] or via email at [redacted]   Sincerely,                                         ...⇄ [redacted] Administrator of Student Affairs Vatterott Educational Centers, Inc.

By notice dated February 7, 2017, the Revdex.com of Eastern Missouri and Southern Illinois (“Revdex.com”) informed Vatterott Educational Centers, Inc. (“Vatterott”) about a complaint filed by former student Mark [redacted]. Vatterott takes student concerns seriously and is committed to...

addressing and resolving issues brought to its attention. Vatterott appreciates the opportunity to respond to Mr. [redacted]’s complaint.
In his complaint, Mr. [redacted] states that he wants a refund of $7,500.00 for the classes he took at Vatterott solely because he believes Vatterott “wasn’t for me.” Vatterott respectfully submits that is not a basis for seeking a refund.
Vatterott has conducted a thorough review of its records concerning Mr. [redacted]. Vatterott’s review found nothing to suggest any wrongdoing on its part in this matter or anything that would justify a refund.
On December 30, 2014, Mr. [redacted] enrolled in Vatterott’s Medical Assistant with Office Management (“MAOM”) program at Vatterott’s campus in St. Charles, Missouri. That day, Mr. [redacted] signed an Enrollment Agreement and a Tuition Proposal. Copies of his Enrollment Agreement and Tuition Proposal are attached hereto as Exhibit 1 and Exhibit 2, respectively. Both documents clearly disclosed the institutional costs for the MAOM program. The Tuition Proposal also provided Mr. [redacted] with an estimate of the financial aid funds that he could apply to the institutional costs of the MAOM program, including the amount of Chapter 33 Post 9/11 GI Bill Benefits he could expect to receive from the U.S. Department of Veteran Affairs (“VA”). Mr. [redacted] was made aware that because it was only an estimate, the final amount of his financial awards could be subject to adjustment due to changes in his enrollment status, a change in his eligibility factors, or changes in the availability of funds and/or changes in federal/state regulations.
When Mr. [redacted] signed the Tuition Proposal, he was also informed that he would have a remaining balance of $600 that he would have to pay out of pocket. For this reason, Mr. [redacted] entered into an in-school payment plan to facilitate his payment of the outstanding balance owed to Vatterott. A copy of his In-School Payment Plan is attached hereto as Exhibit 3.
Instead of making a payment in the amount of $600 pursuant to his in-school payment plan, Mr. [redacted] decided to fund his remaining balance through a federal student loan. On January 12, 2015, Mr. [redacted] signed a revised Tuition Proposal to reflect the amount of the federal student loan that he was estimated to receive to cover the remaining costs of his MAOM program. A copy of the January 12, 2015 Revised Tuition Proposal is attached hereto as Exhibit 4.
In addition to Mr. [redacted]’s inclusion of federal loans, his amount of funding from the VA had to be adjusted in order for Vatterott to comply with the regulations set forth by the VA. The VA, through the State Approving Agency, requires that students receiving VA education benefits maintain a minimum of 80% attendance in each course every 30 days, in addition to meeting Satisfactory Academic Progress. Pursuant to this policy, Vatterott conducts a regular review of VA students’ attendance records to ensure compliance with the 80% attendance requirement. If a student is not meeting the 80% attendance requirement, Vatterott places the student on attendance probation. The student is then notified that if his or her attendance does not meet the 80% requirement within the next 30 days, his or her enrollment certification will be terminated due to attendance. Moreover, the student is advised that this may result in having to repay a portion or all of the VA educational benefits that have been received for that term.
Mr. [redacted] was placed on attendance probation via written notification on April 08, 2015, included hereto as Exhibit 5. As the April 08, 2015 notice states, Mr. [redacted] had not met the minimum attendance requirements during the previous 30 days, and he was at risk of losing his VA benefits. Mr. [redacted] was also warned that if he did not meet the 80% attendance requirement within the following 30 days, his enrollment certification, including benefits, would be terminated. Unfortunately, upon Vatterott’s next review of Mr. [redacted]’s attendance, Vatterott determined that he did not meet the 80% attendance requirement. Accordingly, on May 12, 2015, Mr. [redacted] was informed that because he had not met the attendance requirements set forth while during his “Attendance Probation,” his VA education benefits for the March 09, 2015 term were terminated. A copy of the May 12, 2015 Notification letter is attached hereto as Exhibit 6. After Mr. [redacted] was notified that his VA education benefits had been terminated for the March 09, 2015 term, he signed a revised Tuition Proposal on May 14, 2015, attached hereto as Exhibit 7, to reflect the adjustments made on his account.

Despite Vatterott’s effort to encourage Mr. [redacted] to attend the classes he enrolled in, he continued to demonstrate a lack of commitment to the MAOM program. Mr. [redacted]’s attendance issues persisted through the May 18, 2015 phase, and he stopped attending class altogether after June 16, 2015. For reference, a copy of Mr. [redacted]’s Attendance Record is attached hereto as Exhibit 8. Vatterott made repeated calls to Mr. [redacted] to try to motivate him to finish his education. However, after being absent from all of his classes for two consecutive weeks, Mr. [redacted] was ultimately dropped from the MAOM program. By letter dated July 8, 2015, attached hereto as Exhibit 9, Mr. [redacted] was notified of his official drop from Vatterott.
Pursuant to Vatterott’s Refund Policy, Vatterott calculated Mr. [redacted]’s unearned tuition and fees as set forth in applicable state and federal regulations, based upon his last date of attendance. In this case, Mr. [redacted]’s last date of attendance was on June 16, 2015, which was 43% of the May 18, 2015 term. Accordingly, Vatterott was able to commit Mr. [redacted] to the entire obligation of the term’s tuition and fees. In addition, it meant Mr. [redacted] had earned only 43% of Title IV Aid funding, and Vatterott was required to refund 57% of his Title IV funds to the federal government. This left Mr. [redacted] with a balance in the amount of $1,560.00, which is currently owed to Vatterott. A copy of Vatterott’s Refund Policy is attached hereto as Exhibit 10. A copy of Mr. [redacted]’s Student Account Ledger is attached hereto as Exhibit 11.
Vatterott regrets that Mr. [redacted] is dissatisfied with his education and has not satisfied his financial obligations. However, Vatterott’s policy is clear on the requirements, and Mr. [redacted] acknowledged the same. Ultimately, Vatterott has found no evidence of wrongdoing, or anything that would justify a refund. If Mr. [redacted] has any questions or concerns regarding his bad debt balance, Vatterott’s Corporate Financial Aid and Accounting departments would be pleased to review his account in detail with him.
Vatterott trusts that this response will bring full resolution to this matter. If you need any additional information, please contact me via telephone at [redacted] or via e-mail at [redacted]@vatterott.edu.