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Student loan consolidation

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Student loan consolidation Reports & Reviews (71)

- Roseville, CA, USA
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The company called and offered assistance with my student loans and getting them pushed through for loan forgiveness. I agreed and paid them $1800 over 6 months and now have not heard anything from them, They are not taking my calls, returning my calls, I have called the company and have not heard from anyone. That was when I started looking deeper into the company and realized I have been taken advantage of. When you call their toll free number you get Bernice, she never has returned my call or answered my phone calls. The person Andrew Harris I was working with no longer returns my calls or answers his emails or calls. I will be looking into filing a complaint with my bank.

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- Lake Luzerne, NY, USA
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Company offered debt relief on a student loan for a fee depending upon the amount of debt.

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- Latonia, KY, USA
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This company contacted me years ago saying they worked with student loans providers to consolidate education debt. They were operating under a title that President Obama decreed that helped with student loans. Obviously I had heard about his involvement in education loans and figured this was a proxy to those reliefs. Well I signed the paperwork and every month I have been paying the $39.00. I log into FedLoan today for tax documents for paid interest information. There are no payments. FedLoan websites directs to student loan provider. I log into the student loan provider and check payment history. There’s no payment history. There’s never been any account transfer to or from “Cornerstone Doc Prep” and my education loans have been under the original provider ever since enrollment! This company is totally fake and has been taking money for me, and countless others. Please investigate.

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Called Navient. They answered and said they had a relief payment plan. Been drafting 69.00 from credit card each month, after initial $500.00 payment. Never any phone calls answered or emails. Today they call and claim loan forgiven, but to get $2, 200 refund I was made to verify all personal info and repeat credit card number in full claiming they only had last 4 digits. Then they would issue refund after one more payment by Pay Pal or other such app. I had to cancel my credit card!

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Text my phone stating that they can help erase student debt from schools provided on a list totaling 40,000. Took my information and try to scam money. Read reviews and they are not accredited by ScamPulse.com

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Offering to get rid of my student loans when they have already been forgiven

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Making payments to the federal student loan repayment program 59.97 taken out of my account every month is supposed to be put toward student loan debt, without Your permission was taken additional 184.00 out my account they need to be stop

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- South Portland, ME, USA
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I was contacted by Alex Young from Students Come First. He said that his company could forgive my student loans and that I qualified. He said I would pay a payment of 207.00 and then it would be reduced to 77.00, and then down to zero until the loan matures in 25 years it would be forgiven. I thought the payments would be going to my actual student loans. Before I agreed I looked them up on the Better Business Bureau at the time and no one had reported them so I thought it was legit. I signed the paperwork. All online and over the phone. They withdrew the payments from my checking accounts as bank drafts and then as ACH Student CF. They came out monthly from 10-15-2020 and then stopped abruptly on September 16th 2021. They took 1704.00 out of my account. And now Alex's is phone number isn't active and the website is non-existent. Alex stopped returning my calls when I started asking questions. They also took over communicating with Navient my student loan provider so thats why I though the payments where going to them. I recently got a past due notice from Navient and that's how I realized I had been scammed. There were parts of the fine print on the paperwork that I didn't see prior to signing.

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- Dorchester Center, MA, USA
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I was called by SL Finance back in November 2021 right after I dropped out of college. I had a loan balance of about 18,000 in my name. The company claimed to help allowing as low as $30 to towards the owed balance or loan forgiveness. However since I've joined none of my payments has gone towards my debt. Now It says I owe $19,806 and I don't know what to do. The university has sent debt collectors after me and I told them that I'm in the process of repaying my debt. Now I know its a scam because the school shouldn't be after me to pay a balance I thought I was already paying since 2021.

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- Salt Lake City, UT, USA
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I was contacted by the Student Processing Center and put on a program that was supposed to pay off. my student loans. The problem was that they had ALL the information about my student loans so they seemed completely legitimate. I thought I was paying off my student loans for more than two years until the the real company who had taken over my student loans from UHEA contacted me for payment. They had no history of any payment on my account.

I tried to contact the Student Processing Center with the number they gave me, the number on their website, and the number my bank gave me- they were all invalid numbers.

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- Chandler, AZ, USA
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Scholastic Solutions stated they worked with department of education and they helped people lower their payments by consolidating their loans. They charged a fee of 299.66 for the first payment and then 299.67 and then 200.67 equaling 800, the new payments would then be 39.00 for the duration of the student loan. Nothing has been paid to my student loan and I can not contact anyone. The number is disconnected. Please assist in any way you can.

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- Elgin, TX, USA
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Member Number: 014369739 Chat Started: Monday, December 12, 2022, 10:03:11 (-0500) Agent Quiana K ( 2s ) Quiana K: Welcome to the **** Bank Chat! ( 8s ) ******** S ******: Dispute a charge. I found out from my student loan provider it was fraud ( 18s ) ******** S ******: Account ending in **** ( 18s ) Quiana K: Banking products offered by **** Federal Savings Bank and **** Savings Bank, both FDIC insured. Credit Cards offered by **** Savings Bank. Trust services provided by **** Federal Savings Bank. Some **** deposit accounts are interest-bearing accounts. Any interest rates provided are Annual Percentage Yields, or APYs. Insurance and investment products are not a deposit or other obligation of, or guaranteed by, **** Federal Savings Bank or **** Savings Bank; Insurance and investment products are not insured by the FDIC or any other agency of the United States; and Insurance and investment products may include investment risk, including possible loss of value. In order to proceed. you must acknowledge that you have received the Non-Deposit Investment and Insurance Product disclosure. Please respond "YES" or "Y" to acknowledge that you have received the Non-Deposit Investment and Insurance Product disclosure that was just provided. To decline the disclosure and end this chat, please respond "No" or "N". ( 27s ) Quiana K: Please note: Do not refresh your chat window at any time. Refreshing the chat window during the conversation will disconnect your chat session. ( 28s ) Quiana K: Your Question is: Dispute a charge. I found out from my student loan provider it was fraud ( 50s ) Quiana K: on which account? ( 58s ) ******** S ******: ending **** ( 1m 6s ) Quiana K: what is the merchants name, date of transaction and amount? ( 1m 15s ) ******** * ******: I have 2 ( 1m 29s ) ******** * ******: Student relief agency ( 1m 39s ) ******** * ******: student first llc ( 2m 12s ) Quiana K: date of transaction and amount? ( 2m 15s ) ******** * ******: Student relief agency 195.00 2/18/22 ( 2m 51s ) ******** * ******: 3/4/22, 3/18/22, ( 3m 58s ) ******** * ******: phone number 888-505-3662 is listed on my bank statement ( 4m 24s ) ******** * ******: student first llc 249.75 ( 4m 51s ) ******** * ******: phone number on statement 800-889-5185 ( 5m 2s ) Quiana K: ok thank you ( 5m 25s ) ******** * ******: 7/12/21, 7/26/21, 8/9/21, and 8/23/21 ( 6m 22s ) Quiana K: whats the last 4 of the card number ( 6m 33s ) ******** * ******: **** ( 8m 25s ) Quiana K: Provide an explanation of why member is disputing the transaction: ( 10m 10s ) ******** * ******: I found out from my student loan provider it was fraud. I inquired why these payments were not counted towards my Public Service Forgiveness loan counts. And that's when they told me it was fraud ( 10m 25s ) Quiana K: Please explain the reason for the delayed reporting of the dispute ( 12m 48s ) ******** * ******: I just found out this information last week when inquiring. With these payments my loans should be forgiven. I thought the services were under the Department of Education. If I didn't inquire why these payments were not counted towards my loan repayment counts, I still wouldn't have known

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- North Chelmsford, MA, USA
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I was contacted by Brandon S of Refined Document Services who stated that they are trying to help me with my PSLF government application I applied for as I work for a non-profit organization; he contacted me and he told me he works for a government organization and will help me qualify for loan forgiveness program qualification and told me I didn't qualify for the student loan forgiveness and that they would help me get there for the next 10 years. He said that I need to pay them for the next 10 years starting with 199.38 for 6months which is actually their fee for 6months totaling $1199.00, I just found that out, I guess I should have read all the edocuments they were rushing me with and pointing out to me where to sign. After that, I will only be paying about ~$170.00 per month for the next 10 years which included a $29.00 a month fee for the next 10 years. I was sent lots of electronic paperwork to sign so of course, thinking this was a Government Education company on behalf of my loan servicer Mohela, I fell for it and when I looked at my account in Mohela, I didn't see any of my payments being posted so I called and asked, got the worst customer service ever, when questioning about a statement to see where my payment was going they all got agitated and hung up on me - Maria, Megan and another one I believe didn't get her name or maybe it's the same person, I sent a note to them afterwards telling them that I would file a complaint of misrepresentation of business policy, I guess they didn't like it and when I tried to call back, they blocked my phone number too, so I got a message that the number is out of service.

They cancelled my account as of today 12/9/2022 and said no payment will come out of my account again, I am hoping so but they will only be refunding me 1 of my 2 payments.

I want to make folks aware that this company is not affiliated with any government education loans and they are charging you to get you qualified according to them, for loan forgiveness, I was already paying my bills. Brandon actually told me that they didn't get my application which of course he didn't get it because they are not part of the process and that I didn't qualify, he had all of my personal information - ssn, bday, loan account, address, how on earth did that company get that information- even how much my loan was, so that's what got me, I really thought it was legitimate.

I am so annoyed because I fell for such nonsense by not taking time to read the fine prints and falling for such nonsense.

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I filled out the Student Loan Forgiveness application through Federal Aid and filled out my email and phone number. Was told I may receive a call for approval. I received a call from Ian Esguerra representing Xcel Consulting Services saying my debt relief has been approved. They had all my Student Loan information and who my loans are through. Ian said I was approved for half of the amount to be forgiven through a graduate program and sent me emails and documents to sign. They said I would pay $199.80 for the first 5 months and then $99.00 for 85 months and then the rest of my loans would be washed. I provided them my checking account information to begin the payments. They asked for paystubs from my employer which I provided as well. My SSN was blacked out on those. After speaking with my loan provider, Mohela, they say it was a scam due to the Debt Cancelation program being held up in court with the Biden/Harris administration. They said the only calls I would receive are from Federal Student Aid or Mohela (my loan provider) themselves if/when the debt relief is approved.

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This company claimed they would help me with my student loan Forgiveness program - also claimed they are a 3rd party contractor. Asked for my email address and birthdate to access my student loan account. Then wanted my bi weekly or monthly salary. Offered a one time payment of $499 and 60 per month for 3 years to pay off a portion of a $9000 student debe for $3300. Then asked for bank account or debit card information. They claimed to want me to, "Let there Student Loan Advisers at Processing Docs Solutions assist me to identifying the best types of government programs available for me that can provide payment relief and possible loan forgiveness." I asked for their website to see if they were legit, the firs thing I saw was scam alert. Website www.ProdocsScan.com Phone 240-220-6191 Maryland. Caller name Jahnelle. Immediately declined and changed my loan account info and blocked their phone and email.

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This company, Student Aid Group, contacted me regarding my student loan forgiveness application. The company stated this program was offered by the United States Department of Education this is completely false. I called federal student aid spoke to more than one rep never heard of this company and are not working with this company. I was told I actually received partial student loan forgiveness and my student loan payments would be $195 the first 4 months. The company deducted $195 for the months of 6/22-9/22 for a total of $780 for my student loan payments. I have attempted to get my money refunded. Raelene Saldana from this company is the “assigned processor” has called and emailed me. I have called back and left a voicemail and sent a follow up email requesting a refund. As of today she emailed stating she will let the cancellation department know and someone will contact me shortly. I emailed back and stated I have put in writing requesting the refund of my $780 that was deducted from my account. Please forward this request to your cancellation department today. Also, I received a email from the actual US department of education today stating suspicious activity on my student loan account. I have not signed on to my account this week or last week. The actual loan company that has my student loans shows I’m in forbearance and no loan payments have been made. I never requested to go in forbearance because I still wanted to pay my student loans until I receive final word on my PSLF application. I have to resubmit my PSLF application because student aid.gov doesn’t have it. The website for this company is unavailable (a few days ago the message on the website stated no longer taking clients but had misspellings) and the phone number on my paperwork 844-314-1517 is disconnected. This is absolute fraud a scam I just hope I’m refunded all my money as soon as possible. I feel so violated.

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I was called by a robot that asked questions about my qualifications for debt forgiveness. It was then handed off to someone who asked for all of my personal information that would be tied to my student loans. (email, name, dob, ssn). During that time they also collected information on my current salary, number of dependents, and other information that would theoretically help them resolve what my forgiveness would look like.

That call ended, and they said they would get back to me within an hour after they had time to gather all of my loan information.

The person called back and immediately started pushing for payments after laying out exactly how much I would be forgiven. I was hesitant because all of the messaging I have received said that no payments would be asked for when processing the forgiveness. The person on the other line was able to give me specific details about my individual loans and was adamant that they were not a scam, this led me to follow links from an email into their payment portal. Again I showed hesitancy to pay anything without the ability to do research and they said that they would not move forward without me providing CC information.

I ultimately added my CC and Acct/Routing numbers to their portal and was walked through a docu-sign like form that I was encouraged to move through quickly without being given time to read.

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First they left a voice mail using 816-428-8518 saying that there was a recent change in Student Loan forgiveness. Then When I calledback, they asked to verify my ID and asked for my FSA ID Temporary Secure Code saying they texted. Then they asked me theapproximate amount of the student loan I had. I said $31000. Then she verifi ed it was $29000, which was the actual amount. Thenshe asked to verify my front 5 digit of my SSN. I accidentally said the wrong number but she corrected me. Then she told me thatwith the PSLF, the loan can be forgiven after 240month after payments of 6 month of $166. She collected my credit card information.Then she sent me a document to sign saying that the document has to be signed and returned which states that Ill be charging myspecifi c credit card with the amount of $997. After that, she sent me another form of PSLF employment certifi cation form to sign andreturn. This part I did not sign and return.

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SMS Financial CH, LLC and SMS Financial, LLC, in addition SMS Financial Recovery Services, SMS Financial NCU, LLC, SMS Financial Perris, LLC etc. SMS Financial are scammers that register SMS Financial businesses and add letter or different words to "SMS Financial" they use different addresses for such as 6829 N 12th St Phoenix Arizona 85014 also use 3707 East Shea Blvd Suite 100 Phoenix Arizona 85028, the agents registered are Ben Myers and Jonathan Hoffer also use title of manager, organizer, Daniel Shorr is named as a partner of SMS Financial, LLC. They use law firm Eisenberg, Gold and Agrawal particularly Amar A. Agrawal Adam S. Rosengard and others to represent them in the scheme. Eisenberg, Gold and Agrawal address is 1040 N Kings Highway Suite 200 Cherry Hill, NJ 08034 phone# 856 330 6200 or 732-719-6719. They have filed a lawsuit on time-barred debt, with fraudulent documents. They have not complied with the laws of New Jersey in reference to debt collections. Other names that were used by the Eisenberg, Gold and Agrawal particularly Robert L. Stewart Jr referred to as General Counsel and Custodian of Records for SMS Financial CH, LLC and Chris Kahler as the person to whose attention, payments shall be made and send to SMS Financial CH, LLC 3707 East Shea Blvd Suite 100 Phoenix AZ 85028. In addition, SMS Financial LLC has a D- rating with the ScamPulse.com and is not accredited by BBB. Furthermore, Eisenberg, Gold & Agrawal was suit in Georgia Northern District Court on 4/21/2020 the nature of the suit reads: 480 Other Statutes - Consumer Credit

Cause 15:1692 Fair Debt Collection Act. Another Company that is listed under the same address of 3707 East Shea Blvd Phoenix AZ 85028 called: Two Med Investments LLC Tax ID 860807622 which also lists phone number 602-944-0624 which is the same phone number for SMS Financial, LLC located at the same address, SMS Financial LLC website is https://smsfinancial.net

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This company contacts you to help restructure student loans. They have access to all your loans and so much information that they can confuse you into thinking what they do is actually helping. It's mostly lies and very misleading. They make you think they are going to submit payments to your loan and that ultimately loans would be forgiven. They collect 2 large payments and then unlimited smaller payments they keep all the money to themselves for document processing. They may have been able to get the loan restructured but that's it. Don't give these people any more information. Don't fall for this operation. You can do all this yourself with the loan provider. This is misleading and scammy. They used to operate as Clear Start.

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