ZuntaFi Reviews (%countItem)
ZuntaFi Rating
Address: 105 1st Ave SW, Aberdeen, South Dakota, United States, 57401-4104
Phone: |
Show more...
|
Web: |
|
E-mails: |
Sign in to see
|
Add contact information for ZuntaFi
Add new contacts
We received an invoice for a late payment by with months of late fees. There are no details about what this is for.
It states the account number is ***. It is charging $*** a month interest. According to the paper, the first due date was 2/1/20. We have not taken out any loans in that time period.
We would like this scam to be stopped. We do not want to receive invoices/bills.
Contact Name and Title: sheri *** Complianc
Contact Phone: ***
Contact Email: ***
*** has completed the investigation regarding the complaint submitted by the consumer Jessica ***. Jessica is the spouse of another consumer with a loan serviced by ***. *** has had multiple conversations with the primary borrower. Additionally, *** is receiving payments on the account. The primary borrower is not disputing the existence of the debt.
I'm trying to settle the account.They added twice of interest and will not delete the account after its paid off. They bought the loan from private loan
11/2016, ***, Nikki ***. interest up now to ***.
Correction to a credit report. If paid off why cant they delete from my credit report. Can you correct the amount and have reunion delete from my report if paid off. They added twice the interest.
Our office has completed an investigation of the complaint received by the consumer. The loan holder transferred the servicing of the consumers private student loan from *** to our office on 5/24/2013. The loan was not sold.
When the account became past due, RSLFC made numerous unsuccessful attempts to speak with the consumer to help resolve his delinquency. The loan eventually defaulted on 10/31/13.
Our office eventually spoke with the consumer on 01/29/15. Since this time, RSLFC agreed to multiple payment arrangements with the consumer including a reduced payoff. The consumer was not successful in completing the payment arrangements to rehabilitate the loan nor provided the requested information needed for the loan holder to review the request for a reduced payoff. RSLFC eventually received the requested information for the loan holder to review on 01/08/20. Upon review the loan holder approved a reduced payoff. A reduced payoff amount of $*** was received on 4/29/2020.
As discussed with the consumer, it is not RSLFC policy to delete a consumer's credit reporting history upon successful completion of a payment arrangement.
Inadequately handling my accounts and continuing to add fees once account was paid off.
I paid my account off on *** as per the balance reflected on the "loan pay off" that was listed on my account online. On Monday when I logged into the account, the balance said ***, with a "loan pay off" amount of ***. I immediately called and was instructed that the *** is some default thing in the system and that she couldnt really explain it, but that I wouldn't be responsible to pay the ***. I also reached out to them via chat and was instructed the same information. Fast forward to today, ***, and was instructed that I now have to pay *** (meaning I am being charged *** per day because my account isn't being properly closed). The account representative told me there is nothing they could do and that even though they have record of the previous conversations and info, that they wouldn't take the charges off. I paid the amount and yet my account still wasnt reflecting that it was closed. This credit account seems to be more of a headache with tons of misinformation and the manager isn't in the office until friday to help.
I would like this business to close my account and refund me the *** that they shouldn't have charged me. I also would like proper documentation stating that my account is closed.
RSLFC has completed the investigation regarding the complaint submitted by the consumer. The loan serviced at RSLFC for the creditor was obtained by the consumer to finance a purchase made from *** on ***. The loan balance includes pre-computed interest through the loan term of *** months.
On *** the consumer submitted a payment of $*** to pay off the balance of his loan early. After the payment was applied, a system transaction needs to occur in order to deduct the unearned interest from the pre-computed balance. Once that transaction was complete, a balance of $*** remained on the account. The initial payment of $*** did not pay the loan in full, therefore the pre-computed daily interest continued to add to the account. When the consumer contacted RSLFC on *** the balance to close the account was $***. The consumer paid the balance, however RSLFC ultimately obtained permission from the creditor to close out the account as of *** and refunded the $***. The refund has been processed and the account is closed.
(The consumer indicated he/she ACCEPTED the response from the business.)
They agreed to fix the issue the way I asked
This student loan debt was originally reported in/around ***. It is illegal re-aging which has caused a *** pt drop in FICO.
This is re-aging of a student loan debt last reported over 8 yrs ago. This is illegal, as agreed when reported to Experian. It caused a *** point drop of my FICO score. When Experian saw it, they immediately restored my score, but they said they could not tell other credit bureaus or the Revdex.com. Now it is on my TransUnion report...and maybe Equifax as well.
Removal from all three credit bureaus and cease and desist of sending me bills.
Reunion Student Loan Finance Corporation (RSLFC) has completed an investigation of the complaint submitted by the consumer. The consumer is a cosigner for a private student loan which transferred to our office for servicing on ***.
RSLFC has procedures in place to verify the accuracy of the data transferred to our office from the prior servicer. The date of first delinquency on the account is ***. The date of first delinquency is used by the credit bureaus to determine when the late payment information is deleted from the credit report. The date of first delinquency from the prior servicer was retained and determined accurate, therefore the debt was not re-aged. If the consumer has documentation to support the date of first delinquency should be something other than ***, please provide the documentation to RSLFC to investigate.
(The consumer indicated he/she DID NOT accept the response from the business.)
The FCRA date should be ***, not
The last cause of action on the account was a school deferment request signed by the primary borrower. The school deferment was processed ***-***. The account first became delinquent ***. The date of first delinquency is accurate as reported.
False charges Taken over from *** ..
I purchased two firearms from *** in or around *** At that time it was financed with a co. Named ***.I set it up so that they automatically withdrew the money from my account at my bank.After a year with out any word for *** I tried to call them mail them and email them with out any response. A year later of them still withdrawing monthly payments I wanted a statement to find out how much I owed if any.However I still could not get in touch with them; so I stop the monthly withdraws at my bank. Two months later RSLFC emailed and said I still owed *** dollars. I finally got in touch with this bunch and said I wanted a statement of what I owed. They sent a false statements Showing 8 late payments and all different amounts of Payments. My dispute is this how do you have a late payment when they are the ones withdrawing the money and different amounts. SOMETHING IS NOT RIGHT
I just want to know why they sent me the false statement and what I really know.By the way they are going to report this to the credit agencies and I never had a late payment. This is crazy.
RSLFC has completed the investigation regarding the complaint submitted by Ricky ***. The servicing of the consumers loan obtained to finance a purchase made from *** was transferred from *** to RSLFC on ***.
In reviewing the history provided by ***, the loan was obtained by the consumer on *** with the first payment due ***. Details regarding how to remit payments, installment amount and due date was sent to the consumer on *** using their preferred communication method. In review of the contact information provided by the consumer in their complaint and the contact information on the account, the contact information has remained the same.
Monthly billing statements beginning *** with a first payment due on ***. When the account became past due, notices began *** as well as numerous attempts to contact the consumer.
The first payment of $*** was received on ***, which covered the *** due date. Subsequent payments were received in the amount of $*** on ***, ***, *** and ***. Beginning ***, payments were declined by the bank and the account became past due in ***. Monthly billing statements and past due notices continued to the consumer.
As indicated previously, on *** the servicing responsibilities of the consumer's loan transferred from *** to RSLFC. The consumer was sent notification of the transfer by *** and RSLFC which included instructions on how to remit payment, loan details, and contact information. Subsequent to the transfer, RSLFC sent monthly billing statements and past due notices using the preferred communication method.
As the consumer indicated, monthly payments were stopped by the consumer which resulted in a past due balance on the account. RSLFC will mail a payment history to the consumer indicating what payments were received on the account. If the consumer has evidence of payments honored by their financial institution not reflected on the payment history, we request the consumer please provide to RSLFC to complete an investigation.
Debt discharged in chapter 7 bankruptcy
I was an ineligible student at an ineligible school that is not accredited in the United States nor on the federal school list. The school is also not eligible under title IV to receive financial aid. I filed for bankruptcy in *** and the company continued to collect the debt regardless of the stay. The judge approved the bankruptcy. The company still attempts to collect. I have referred them to my attorney. The company is not exempt from bankruptcy law and must abide by the court's ruling.
Complete discharge of debt per bankruptcy law, removal of all negative credit reporting for the last 3 years, and no further contract unless it is through my attorney whose contact info had already been sent to the company
Our office has completed an investigation of the complaint submitted by the consumer. The student loan serviced at Reunion Student Loan Finance Corporation is an education loan and not eligible for discharge absent an adversary for undue hardship.
(The consumer indicated he/she DID NOT accept the response from the business.)
The law is clear that an ineligible student at an ineligible school that is not eligible for Title IV funding by the US government and is not on federal school registry is eligible for discharge under bankruptcy. (11 US Code 523.8(b) with reference to Internal Revenue Code 221(d)(1) and further referencing IRC 25A(b)(3) and 25A(f)(2). This company is NOT a governmental institution nor a non-profit which also makes the loan dischargeable under current and past bankruptcy law. Please contact my attorney *** with *** at
As requested, all future communication will be through counsel *** with ***.
Continued collection attempts despite bankruptcy
Sept 2016 I filed for bankruptcy and it was discharged Dec 2016. Since then, they have reported negative information on my credit report saying my loan payments were late. They are not a non-profit or government agency which means the loan is dischargeable in bankruptcy. This has been pointed out to them numerous times in writing, faxes, emails, and phone calls. They have been instructed to contact my attorney to get this resolved. I have filed complaints with the Revdex.com and CFPB without any resolution or the company contacting my attorney. They continue to report that the debt is due despite it being discharged in bankruptcy. I want a complete discharge of debts included in the bankruptcy and removal of all negative credit reporting from the date of bankruptcy filing. They may state that the loan was discharged in bankruptcy. If they are not willing to do this, they need to contact my attorney whose information has been given to them numerous times.
Our office has completed an investigation of the complaint submitted by the consumer. The student loan serviced at Reunion Student Loan Finance Corporation is an education loan and not eligible for discharge absent an adversary for undue hardship. Our office has not been in contact with the consumer while represented by an Attorney. All communication on the account is directed to the consumers attorney.
I have not signed a contract to receive financial for a Student Loan with Reunion Student Loan Finance Corporation.
I am *** not permitted to applied for student loans.
Void the acceptance of a "student loan" and not to accept transferring from any other financial institution debt.
Our office has completed an investigation of the complaint submitted by the consumer. Our office does not have a student loan account for this consumer.
On about ***, RSLFC stated that there is no any debt under my name for a Student Loan.
On *** RSLFC claimed a debt of $***
This is my second complaint filed against RSLFC for a debt of $*** I do not owe.
I am *** not having any student debt. In disclosing my yearly rent qualifications to secure my present rental I have to list my income and no student loan is acceptable. Therefore, RSLFC demands for Student Loan payments is incorrect.
The resolution I am seeking is the same when I contacted RSLFC on about ***: To stop sending Monthly Billing Statement for a Student Loan not owed.
RSLFC has completed the investigation regarding the complaint submitted by Susana ***. RSLFC does not have a student loan for the consumer, however as of *** RSLFC began servicing the consumers dental finance loan with *** (Creditor). The loan was obtained to finance a dental treatment plan provided by ***. The loan was obtained by the consumer on *** with an original amount of $***. Subsequently, a partial refund in the amount of $*** was issued on *** and a current principal balance of $*** remained. A copy of the promissory note for this loan was provided to the consumer on ***.
In summary, the loan RSLFC began servicing for the Creditor after the initial complaint is for the consumers dental finance loan obtained for a dental treatment plan provided by ***.
(The consumer indicated he/she DID NOT accept the response from the business.)
*** was notified on time that the dental estimate was wrong and cancelled the financial inquire within the same day.
I did not received any other dental services to justified their claim.
My dental insurance did paid for the initial consultation.
The *** decision to assigned their claim to a Financial Student Loans is unacceptable as I have detailed. *** I am prohibit from obtaining students loan.
Unethical Collection Practices
This company was sending statement to my deceased father who cosigned on this loan *** years ago. As soon as I became aware of it (after my brother opened a piece of my father's mail) I immediately contacted them to make payment arrangements. I agreed to $*** for months, which was very difficult considering I was part of a mass layoff and am still seeking employment. After my 6th payment I called to make arrangements for the reduced payment amount as agreed upon and was told that only 5 payments counted because the first was a goodwill payment. I explained I did not have the ability to make another $*** payment but could move forward with a reduced amount. The account manager agreed, said she needed to get approval and would call me back. While waiting for her response I received a court summons. I called their attorney repeatedly and after 2 weeks finally got someone on the phone. They now are demanding $*** a month which is % of my monthly income. I have requested to speak to a supervisor and have not received a call. When I address this they say that I cancelled my request to speak to a supervisor, I did not. I have followed through on my end of all agreements since the beginning. They have repeatedly failed to return calls, failed to follow through on their commitments and used threatening intimidation tactics to demand repayment. I don't understand how they can take % of someone's income and hold no responsibility for the agreements that they make based on lack of communication on their part. I also don't understand how it is legal for them to cancel agreements due to length of time lapsed when multiple calls have been made to them to try and resolve the issue with nearly $*** in good faith payments received.
I would like a reasonable payment amount of $*** as agreed to when I started the rehabilitation program. I am not trying to avoid paying off this debt and have done everything in my power to do the right thing. I am simply asking for a bit of compassion after a significant job loss and ethical behavior and business practices on their part.
RSLFC completed an investigation of the complaint. In regards to the death certificate complaint, RSLFC received notification of the cosigner death from the cosigner's son on ***. The son indicated he would send in the death certificate. RSLFC then spoke to the borrower Vanessa on *** and requested the death certificate. She stated that she would have her brother send it. RSLFC did not receive the death certificate and spoke to the borrower again on ***. On ***, RSLFC spoke with the borrower and again requested the death certificate for the cosigner. She stated again that she would see if her brother had it. The death certificate was never received and the last correspondence sent to the cosigner was dated ***.
In regards to the payment arrangement complaint, RSLFC has made numerous attempts to help the borrower resolve the delinquency on the account. The borrower's loans defaulted on *** after no payments were received on the account since *** and no response to calls or emails from the borrower. The loans were referred to the attorney in *** and notices were sent to the borrower. Numerous attempts were made to contact the borrower with no response. A summons and complaint was served on ***.
On *** the borrower contacted RSLFC and requested options. The borrower indicated was unemployed and went through a layoff. RSLFC advised the payment arrangement options. No payment arrangement was made. On *** the borrower contacted RSLFC and agreed to a good faith payment of $*** due *** and then $***/month *** - *** for the rehabilitation program. The borrower was advised the $*** payment did not count towards the rehabilitation program.
The borrower began making the agreed upon payments, however missed the *** payment which caused the rehabilitation program to start over. The borrower made of the months of agreed upon payments. The borrower then stopped making payments and did not return calls to RSLFC until ***. In that conversation, RSLFC confirmed the payments received and advised they did not complete the months of payments for the rehabilitation program.
In ***, the borrower contacted the attorney's office requesting $***/month payments until she becomes employed. The attorney's office advised would have RSLFC contact her to see if can work out payment arrangement. RSLFC spoke with the borrower on *** and agreed with the month rehabilitation program. Payments are $***/month for consecutive months. The first payment was received on ***.
The company has provided you with inaccurate and false information regarding their liability in this situation. They repeatedly failed to return my calls, made promises of reduced payments and then would not honor their promises stating that "first payments didn't count". I was told one thing by one representative, did as she instructed and then the next said something completely different and would not honor the arrangement. Beyond this, they are *** and regularly use threatening language and tactics. Their summary of events is not complete or accurate.
Communication with the consumer has been reviewed. RSLFC disputes the claims by the borrower of threatening language or tactics. The borrower has been communicating with RSLFC via email. Facts were provided to the borrower regarding the status of the account which includes pending litigation. The borrower was advised if required payments are not received as agreed and the required forms returned for the rehabilitation program, the litigation process will resume. The account is currently past due from ***.
I am making a complaint against this organization because they keep hounding me on school closure loans ***. This school was scaming students and collecting money from the government so the school closed down. I have major heath issues I am dealing with. *** and know this company has been threatening about ruining my credit. This company changed there name from student loan finance to Reunion Student Loan Finance Cooperation. I would appreciate if this Cooperation stop theatening about ruining my credit and threatening to collect debt on a school that has been closed since ***. I am afraid they will try to take my taxes this year and hinder me from going back to school with these threats. I would appreciate if yhis issue be resolved ASAP
Product_Or_Service: student loans
Account_Number:
Correction to a credit report I desire for this company to remove any debt they are trying to put on my credit. They have been emailing me this is an attempt to collect a debt on a school that was scamming students and lying to students to get government money and has been closed since ***. They government had deleted these loans. I feel that I should not have to pay on a scamming school who was stealing from the government using use innoncent students. Lying trying to forge documents on individuals.
In review of the account, the consumer obtained a private student loan for cost of attendance at *** for the school terms ***-*** and ***-***. Per the Department of Education closed school database, the campus the consumer attended closed ***, just over 12 years after the consumer-ceased enrollment.
When the loan transferred to repayment, the consumer continued to enroll and attend various schools periodically from *** through ***. During the periods of at least half time enrollment, the loans were placed in a school deferment. When the consumer was not enrolled at least half time and unable to remit payments due to financial difficulty, forbearance assistance was requested by the consumer and honored by RSLFC.
The consumer first requested a closed school discharge in the fall of ***. RSLFC has advised the consumer in multiple conversations the loan is not eligible for a closed school discharge. Today, the loan is past due from ***. RSLFC furnishes data to the credit reporting agencies on a monthly basis and continues to furnish the applicable information regarding the dispute as required by law.
This company is destroying my credit by keep on charging on this school *** loans. The Government has closed this school down.
This loan company is charging these extreme fees destroying my credit on this company that has been shut down for defrauding student by the department of education's. I was also a victim of fraud by the company. I have made several complaints and my complaints keep going unresolved.
I am seeking this company to stop billing me on this fraudulent school that has been out of business on school closure loans regarding for defrauding the government and stealing from me.
Based on our investigation of your dispute, we have determined your private student loan is not eligible for discharge and is due per the terms of your signed promissory note. If the consumer has documentation to support the claim these loans were included in the discharge by the courts, please provide to our office.