National Student Servicing

To whom it may concern Miss [redacted] became a client of National Student Servicing on April 13th, to perform a federal student loan consolidation, National Student Servicing submitted the application for consolidation and getting a full completion of the consolidation as of October 14th, There is no balances left behind, client's new loans are Direct Consolidated Unsubsidized for $ and Direct Consolidated Subsidized for $ she is fully enrolled into the Income Based Forgiveness Repayment Program Note: Sallie Mae is not a servicer any more for the U.SDepartment of Education, Navient took over all the loans which caused all these issues with the students thank you and let me know if you have any more questions [redacted]

Ms [redacted] Enrolled with National Student Servicing on March 24th we submitted her consolidation application on #cccccc;">April 1st and it was completed august 14thNational Student Servicing has no records of a cancellation request until the client received news that the consolidation was done we also could find no missed calls from Ms***The only consolidation application that was submitted for Ms [redacted] is the one that National Student Servicing did, no other company was involved and may have acted poorly in signing up Ms [redacted] or Ms [redacted] may have accidentally signed with two companies The consolidation is finalized and everything is in place just as National Student Servicing promised with the servicer we promisedWe did all the work we were asked to do even though Ms [redacted] was not responding to multiple emails and calls that we left for her in regards to her applicationWe would be more than happy to answer any questions you may have Autumn WNational Student Servicing| [redacted] Hutton Centre Suite Santa Ana, CA 92707P | [redacted] * [redacted] * [redacted]

Have nothing but great things to say about this company, always available I just called the number and [redacted] resolved my issues and was so nice They lowered my student loan payments dramatically I am so relieved I did this, my student loans were very stressful

To whom it May Concern, Miss [redacted] became client of National Student Servicing to process a student loan rehabilitation, [redacted] was the account manager for this file She fully completed the enrollment into the rehabilitation program as of Mar 19th 2015, client was notified, in regards the phone calls we are really sorry because our phone system had issues which is being fixed by our IT department I personally called the client and left a message to call me back also sent an e-mail as well thank you and let me know if you have any more questions [redacted] ** Operations

We reviewed the calls and found that the enrollment agent asked if the client could afford her payment she said she could not so a forbearance was offeredNational Student Servicing fully explained the services we provide and we do not promise loan forgiveness to any clientWe do our very best to help every client fully understand the programs we offerWe understand the confusion in student loans and would be happy to answer any further questions

Dear Mr [redacted] Your complaint about Natinnal Student Servicing has reached my desk I have reviewed your information and spoke with those involved with the exception of the representative you said was rude and unprofessional but you were unable to name him or herI have read your response to the Revdex.com and will answer your points below: Each of our Counselors has been thoroughly trained and would not act in an unprofessional manner even if being pressured with demands they can not grant The only reason they might hang up on an individual is that individual would not accept their word about a procedure or policy and began insistenceOur counselors are are well trained professionals and here only to assist, with their knowledge and training, our clients to get the right program for the needed consolidation Our [redacted] form has been accepted by Federally Approved Lenders and the [redacted] Sometimes in an effort to expedite for a client we have made a copy from a copy and due to the slight fade it may not appear as original typeHowever the lenders and servicers have always accepted itIf yours was slightly faded due to this process, I apologizeYou signed the [redacted] on 8/26/ We have over Employees and each has their own phone line plus we have reserve lines so it is hard to believe it would be difficult to get in touch with us unless you called at some unusual time or you failed to leave a message or you expected a call during non business hours We do not resolve your issues toward getting a student loan consolidation, we assist you by explaining what is necessary to document your background so your loan consoladation can be approved based on underwrinting standardsIt is up to you to resolve your issues, we can not manufacture documentation for you We are here and exist solely for the purpose of helping you arrange a livable debt, monthly payments and we provide a knowledgable professional service to do just that within the scope of the Government’s consolidation programs Unfortunately we have to pay our staff to perform these services so that can pay their rent, buy food and etc We have provided consolidation services for many Veterans, who are very happy with our services, but they finished the process and received their consolidations They did not quit before finishing because they felt offendedWe appreciate your service to your country [redacted] [redacted] Our company has over 5,Clients who pleased with our consoladation services We provide professional services and we do not expect donations, but we do expect to be paid for the time we spend providing servicesOur employees are very conscientious and do not charge unnecessary time to clients I am very sorry you changed your mind and decided to quit our process, but it was your decision Our prices are very competitive within the industryThe reason you had to pay a little more is that you were in default on your loans more than days and were sent to collections and needed to go thru a rehabilition process before your consolidation could be submitted and approvedIt takes our counselor’s time and our rehabilition’s departments time to structure your rehab in addition to processing your consoludation I have also reviewed your contract and it appears that it is you that are not performing You are according to the contract to provide complete information and or documents that NSS requestsYou were sent letters of request on 8/28, 10/and 10/and did not replyAlso according to the contract, you agreed to no refunds after hours Since 75% of the work has been done toward your consolidation and rehab processing, we offered you $300, which is a 33% refund against a contract which is a “no refund” contractWe were being more than fair with 75% done and 25% of the work remaining Please contact me if you would like to get $inspite of the no refund contract you agreed to

The client in this complaint had asked us for a lower monthly paymentWe explained to her that the paper work we would file would be a program switch and would do exactly what the client wanted #

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved I just wanted to let you know I heard back from the businessThank you! [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below The reason why I do not accept this proposed action is that in the conversation I had with the agent, I never heard him say I had hrs to cancel, because if I had heard that I woukd have never done business with tjhis company Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [They have misrepresented themselves with this responseI didn't ask them to help me put my loans into forebearanceThey promised they could get my debt forgiven with new government programs in place that only they purport to know about and they did not deliver on that misrepresented promise.] Regards, [redacted]

Dear Mr [redacted] Your complaint about National Student Servicing has reached my deskI have reviewed your information and spoke with those involvedI have read your response to the Revdex.com and will answer your points below: Our counselors are are well trained professionals and here only to assist, with their knowledge and training, to make sure our clients get the right program fo the needed consolidationo We do not grant, make or pay student loan consolidations, we assist you by explaining what is necessary to document your background, packaging and processing the information you give or send us for one of the loan programs available, this is so your loan consoladation can be approved based on one the programs that fits the governments underwriting standardsWe are here and exist solely for the purpose of helping you arrange alivable debt or monthly payments and we provide a knowledgable professional service to do just that within the scope of the Government's consolidation programs and the underwriting by the DOE Staff which determines the details of your programUnfortunately we have to pay our staff to perform these services so that they can pay their rent, buy food and etcPage of 02/18/11:??J??? (FAX) [redacted] P.002/We have provided consolidation services for thousands, who are very happy with our services, they paid and finished their process and received their consolidationsAlso a lot of them wanted us to handle their annual renewals so they then paid their agreed upon monthly service fee so their renewal could be submitted and reapproved annually when it was due without a large lump sum costOur company has over 5,Clients, who pleased with our consoladation servicesWe provide professional services and we do not expect donations, but we do expect to be paid for the time we spend providing servicesOur employees are very conscientious and do not charge unnecessary time or fees to clientsOur prices are very competitive within the industryIt takes our counselor's time and our processing departments time to structure, process, package and submit your initial consoludation and your annual renewal- - I have also reviewed your contract and it appears that it is you that your Consolidation was completed and you have paid us for that workYou agreed to the Consolidation terms and conditions the DOE had set when you signed it- [redacted] - - Since your consolidation is done and and those services were paid for, your contract was completed as agreedIn your letter to the Revdex.com you stated to them that we had scammed you, This is not trueYou agreed to our processing and packaging services to obtain your consoliationWe do not pay any fees to Fed LoansOur fees are for our services for which you agreed to and are calling a scam after our work was performed on your behalf and you received the consolidation that we submitted and packaged you forPage of

[redacted] Client came to us to receive a program switch because her payment was too highWe explained in full detail exactly how the process works and what we were going to doThe client asked for a temporary forbearance and when we called to get that in place we received no answer she also did not respond to emails so we were not able to put the forbearance in placeWe did however provide every service we offered and agreed to continue working with the clientNational Student Servicing explains to all clients that we are a 3rd party providing services to clients looking to receive help with their federal loans we did exactly that for this client Please let us know if you have any further questions

National Student servicing has been working very hard on Mr [redacted] file as of march the consolidation was completed and Mr [redacted] is in the IBR just as we promisedBefore a client enrolls with us they are required to go through a compliance call in which the client must agree to the understanding of the servicesDuring this call we ask the client if they understand that National Student Servicing is a third party and not affiliated with the Department Of EducationWe also ask if they understand that we will be placing their loans with a new Federal Loan servicerNational Student Servicing fully states in the contract these lines which the client in questioned initialed *Student also acknowledges that they have been advised that any and all programs offered are free, and they have the ability to complete all such program requirements for themselves *NSS is not affiliated, partnered with or associated with the DOE (Department of Education) in any way shape or formNSS is a third-party document processing company that specializes in Federal Student Loan Consolidations, and Rehabilitations for such students We would be more than happy to answer any other questions you may have [redacted] WNational Student Servicing| [redacted] Hutton Centre Suite Santa Ana, CA 92707P | F | E | [redacted] @nationalstudentservicing.org

Dear Mr [redacted] Your complaint about National Student Servicing has reached my desk I have reviewed your information and spoke with those involved with the exception of the representative you said was rude and unprofessional but you were unable to name him or herI have read your response to the Revdex.com and will answer your points below: Each of our Counselors has been thoroughly trained and would not act in an unprofessional manner even if being pressured with demands they can not grant The only reason they might hang up on an individual is that individual would not accept their word about a procedure or policy'"and began insistenceOur counselors are are well trained professionals and here only to assist, with their knowledge and training, our clients to get the right program for the needed consolidation Our power of attorney form has been accepted by Federally Approved Lenders and the Federal Government's Department of EducationSometimes in an effort to expedite for a client we have a copy from a copy and due to the slight fade it not appear as original typeHowever the lenders and service rs have always accepted itIf yours was slightly faded due to this process, I apologizeYou signed the Power of Attorney on 8/26/ We have over Employees and each has their own phone line plus we have reserve lines so it is hard to believe it would be difficult to get in touch with us unless you called at some unusual time or you failed to leave a message or you expected a call during non business hours We do not resolve your issues toward getting a student loan consolidation, we assist you by explaining what is necessary to document your background so your loan consolidation can be approved based on underwriting standardsIt is up to you to resolve your issues, we can not manufacture documentation for you We are here and exist solely for the purpose of helping you arrange a livable debt, monthly payments and we provide a knowledgeable professional service to do just that within the scope of the Government's consolidation programs Unfortunately we have to pay our staff to perform these services so that can pay their rent, buy food and etc We have provided consolidation services for many Veterans, who are very happy ·with our Services, but they finished the process and received their consolidations They did not quit before finishing because they felt offendedWe appreciate your service to your countryI am a Vietnam Veteran myself and fought on the front line as a Rifleman and Point man Our company has over 5,Clients who pleased with our consolidation services We provide professional services and we do not expect donations, but we do expect to be paid for the time we spend providing servicesOur employees are very conscientious and do not charge unnecessary time to clients I am very sorry you changed your mind and decided to quit our process, but it was your decision Our prices are very competitive within the industryThe reason you had to pay a little more is that you were in default on your loans more than days and were sent to collections and needed to go thru a rehabilitation process before your consolidation could be submitted and approvedIt takes our counselor's then and our rehabilitation's departments time to structure your rehab in addition to processing your consolidation I have also reviewed your contract and it appears that it is you that are not performing You are according to the contract to provide complete information and or documents that NSS requestsYou were sent letters of request on 8/28, 10/and 10/and did not replyAlso according to the contract, you agreed to no refunds after hours Since 75% of the work has been done toward your consolidation and rehab processing, we offered you $300, which is a 33% refund against a contract which is a "no refund" contractWe were being more than fair with 75% done and 25% of the work remaining Please contact me if you would like to get $in spite of the no refund contract you agreed to Sincerely, *** [redacted] National Student Servicing Revdex.com ID [redacted] Business Development cc Revdex.com Viewridge Ave Suite # San Diego, Ca Phone: 858-496- Fax:858-496- RE # [redacted] Page

I have had a horrible experience with this companyI was told from the beginning that they were going to buy out my school loans and consolidate them for $up front and $a monthIt ended up that they just consolidated them with my previous loan company which I pay $to and just forwarded the documentation I sent them to my loan company They lied to me and they keep charging me monthly feesThey are not allowing me to cancel my accountI ended up paying $plus a month when I needed to pay $

The [redacted] dollars was agreed to the contract was esigned by [redacted] and the IP Address from [redacted] proves this.The plan was full explained in detail and [redacted] selected this one

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below[Their response seems to be very generic and states their policyThe problem is that the terms that were discussed was not what actually happenedThis complaint occurred more than a year ago and the damage is irreversibleThe lease I can ask for is a refund on the money I paid for their services since I would not want them dealing with my affairs any moreFurthermore - I am worried that they are insecurely keeping my confidential information which is another issue all together - I know this because I have gotten strange emails asking me to provide an updated credit card numberWhy on earth would I give them my credit card number? ] Regards, [redacted]

Client [redacted] signed up with National Student Servicing on January 7th When a client signs up with us it is stated and I am taking this directly from the agreement signed by Ms [redacted] ...RECITALS: WHEREAS NSS business is providing Document Processing Services to individuals with federal student loans and seeking to consolidate the loans through programs offered by the Department of Education (DOE); and WHEREAS Student requests NSS to perform in good faith, the following services, ("the Services"): (a) Research potential DOE programs that are/or may be available to Student, (b) Present results to the Student with available options, (c) Compile and process all Students' required DOE Consolidation paperwork selected from the options provided to Student, and (d) Submit completed Consolidation paperwork to the DOE *Student also acknowledges that they have been advised that any and all programs offered are free, and they have the ability to complete all such program requirements for themselves *NSS is not affiliated, partnered with or associated with the DOE (Department of Education) in any way shape or formNSS is a third-party document processing company that specializes in Federal Student Loan Consolidations, and Rehabilitation's for such studentsOn January 7th at 4:38pm Ms [redacted] s application was submitted through the Department of Education to consolidate her student loans On February 8th Ms [redacted] was consolidated and placed on an Income Based Repayment Program through Fed Loans Servicing with a monthly paymetn of $per monthOn February 24th at 5:pm Ms [redacted] s consolidation was completedOne minute later we sent Ms [redacted] her application for the Public Service Loan Forgiveness because she works in the public sector and qualifies for the forgiveness statedWe also called the client and left a voice mail stating these achievementsIn Retrospect...Ms [redacted] signed up with our services and signed an agreement disclosing what it is we do to help our clients in needWe have successfully reached every goal promised and expectedMs [redacted] 's is not entitled to a refund nor has one been granted

I have read this complaint and I have read the noted in the CRM and also I have listened to the recorded call and this complaint is conflicting with what I have reviewedThe agreement is very specific and so are the customer services representatives in their explanations There is a hour period to cancel where you can have whatever funds you have paid returned tom you no questions askedIt is also made clear that if the process of the consolidation is altered in any way by the client it cancels the contract all togetherAll three of these factors were met It is not as matter of changing a mindIt is a matter of following a protocol which is put in placeThis phone call was placed to one of my employees at 8:am August 20th at the end of the call it was stated that a manager contacting the clientthis Revdex.com complaint was made the same day not long after the callI believe it to be premature and not at all corresponding with the file or the phone callThe client has can meat anytime to discuss an exit strategy and review of the file Please contact the customer service department and ask for the Director of Processing

National Student Servicing would first like to address the issue of multiple callsWhen submitting your information for Student Loan Debt relief you opt in to sending your information to multiple companiesAfter reviewing our call history only two outbound calls where placed via National one that was not answered and one that wasUpon enrollment all contracts where signed and National Student servicing completed all work as agreed to per your contract Originally we were not going to allow a cancelation as we did finish all the work and you received a federal consolidation as of 10/14/we had not received the full payment for our servicesNational Student Servicing is not a scam we clearly state what we do in who we are before enrollmentAlthough we where not paid for services rendered we have decided to not pursue you further