Goal Structured Solutions Inc

San Diego Revdex.comViewridge Ave Suite 200San Diego, CA 92123RE: Response to ComplaintID Number: ***Dear Sir /Madam,January 26, West Broadway, Suite 2000San Diego, CA Telephonewww.goalsolutions.comI am in receipt of your email transmission of a complaint submitted to the Revdex.com by ***Please accept this letter as a response to the above-referenced complaintUnder the terms of *** ***'s student loan contract, periodic hard inquiries can bemade by the holder ofhisfher loan, Golden Tree Asset Management, on his/her credit As aservice provider to Golden Tree Asset Management, Goal Structured Solutions, Inc.conducted the hard inquiry, which is why *** *** is seeing Goal StructuredSolutions as the subscriber on his/her credit report.The Customer Service Department has telephoned and sent a letter to *** ***explaining this.Kindly advise if I can be of further assistanceThank you.Sincerely,*** ***SrParalegal

San Diego Revdex.comViewridge Ave Suite 200San Diego, CA 92123RE: Response to ComplaintID Number: ***Dear Sir /Madam,December 8, 2014*** *** ***, *** *** *** ** *** *** Telephonewww.goalsolutions.comI am in receipt of your email transmission of a complaint
submitted to the Revdex.com by *** *** dated November 24, Please accept this letter as a response to theabove-referenced complaint.Under the terms of *** *** student loan contract, periodic hard inquiries can be madeby the holder of her loan, *** *** *** ***, on her creditAs a serviceprovider to *** *** *** ***, Goal Structured Solutions, Incconducted thehard inquiry, which is why Ms*** is seeing Goal Structured Solutions as the subscriberon her credit report.The Customer Service Department has telephoned and sent a letter to *** ***explaining this.Kindly advise if I can be of further assistanceThank you.Sincerely,*** ***SrParalegal

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.
I do not have any student...

loans with Golden Tree Asset Management nor have I received any letters requesting permission or informing me of my credit being checked. The FTC has informed to ask for the reason of the hard inquiry as well as the privacy policy in which states that they can periodically request a hard inquiry without my permission. 
Regards,
[redacted]

Review: I received an alert from TransUnion stating that my social security number has been used and there has been a hard inquiry on my credit report by Goal Strcutured Solutions Inc recently although I never applied or gave permission for any business in the last couple months to check my credit report. I tried contacting them, their phone lines only have options to leave voicemails which I have done twice and I sent out 2 e-mails but to no avail. I would like to know if I'm the victim of Fraud or if this is a mistake. I am applying for apartments right now and this inquiry reduced my credit score and I do not want this mistake to affect my apartment hunting.Desired Settlement: I would like them to contact me back so I know what the inquiry was for and if it was a mistake for them to send a letter to TransUnion explaining so and taking the inquiry off my record.

Consumer

Response:

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.

I do not have any student loans with Golden Tree Asset Management nor have I received any letters requesting permission or informing me of my credit being checked. The FTC has informed to ask for the reason of the hard inquiry as well as the privacy policy in which states that they can periodically request a hard inquiry without my permission.

Regards,

Review: I am trying to set up a payment process with Goal Structured Solutions. No one will return a phone call or email over the last 3 weeks yet they still negatively affect my credit score.Desired Settlement: I want the business to set up a payment system with me to reconcile my debt.

Business

Response:

I am in receipt of your email transmission of a complaint submitted to the Revdex.com by [redacted] dated February 24, 2015. Please accept this letter as a response to the above­ referenced complaint.Mr. [redacted]'s loan is 1,232 days past due. He hasn't made a payment on his studen t loan debt since 2011. The servicer of his loan, ACS, as well as Goal Structured Solutions, Inc. ("GS2") has spoken with Mr. [redacted] on multiple occasions regarding a payment plan or a settlement I n full of his debt. Since payment has not been received, Mr. [redacted]'s loan has been moved to charged -off status on February 2 4, 2015 and GS2 will be engaging a third party collection agency to attempt to seek payment.Mr. [redacted] is encouraged to contact GS2's Customer Service Department at [redacted]

[redacted] to discuss payments to his loan and to answer any questions he may have. Kindly advise if I ca n be of further assistance. Thank you.Sincerely,[redacted]Sr. Paralegal

Review: I was informed in June that my student loan had gone into default and had been transferred to Goal Structure Solutions for settlement. I immediately contacted them and informed them I would pay the full amount of my debt at $21K. [redacted] informed me that they could not collect payment and I would need to wait until a collections agency contacted me. I asked her how long this would be and she told me between 4-6 weeks. I waited and called her back after not hearing anything. I left message upon message as well as reached out via email to find out where my debt was. When I finally received a call back, I was told by [redacted] that my debt had been transferred to NCO collection agency. I immediately called these company and after one hour, was told that my loan had not been transferred.

I again called [redacted] at the beggining of August to find out when I could pay-off the loan. At this point she told me it takes 90-110 days for the loan to go to collections...contrary to what I had been told. She informed me she would contact me via phone to let me know the exact date that my debt would be transferred to the collection agency. I never received a response back.

Again, I called [redacted] (the only individual who these calls get routed to) in early September. She guarunteed me that I would have the debt collector contact me no later than the second week in October for settlement.

It is now the end of October and I have once again reached out to Goal Solutions. Today, I called with my name, social security number and phone number and was placed on hold by [redacted]. I was on hold for 5 minutes before I was either hung-up on or disconnected. I immediately called [redacted] back and received her voicemail. Again, I left my contact number and pleaded for her to return my call.

It is now more than five months that I have been trying to resolve this debt and am getting nowhere with Goal Structure Solutions.Desired Settlement: I just want to pay off this $21,000 debt as soon as possible.

Business

Response:

January 2, 2014

GOAL

STRUCTURED

SOLUTIONS

Via First Class Mail and Fax to ###-###-####

Revdex.com of San Diego and hnperial Counties

4747 Viewridge Avenue, Number 200

San Diego, California 92123-1688

Re: Complaint ID [redacted]

Dear Sir/Madam,

[redacted] From: [redacted]

Sm Diego, CA 92101

###-###-#### Telephone

###-###-#### Fax

We are in receipt of your letter regarding a complaint submitted to the Revdex.com by [redacted]

[redacted]. [redacted], LLC, a subsidiary of Goal Structured Solutions, Inc.,

received payment of Mr. [redacted]'s funds in the amount of $20.566.92 and has updated its records

to indicate that the three student loans owned by the [redacted] with an

aggregate original balance of$21,200.00 has been paid in full. Mr. [redacted] was sent a letter on

November 5, 2013 from [redacted], LLC conftrming that his loans were paid

in full.

If you have any further questions, please contact [redacted] at ###-###-####.

Sincerely,

General Counsel

Review: I have called this company for 72 hours straight without any answers. Their message states that they are available from 6 am pacific standard time and I have been trying since that time. I have written numerous emails and left a tons of messages. I was referred to them through ACS and was told they would promptly assist me in my financial situation but no one is reachable even their HR department. I will drop this complaint if I can get a customer service representative to call me and assist me in this matter without being ignored.Desired Settlement: Please call me to help me with my ACS loan like I was promised from ACS. Even they are were unable to reach the company after I made a complaint to them concerning GOAL structured solutions. I would be happy if someone please called me at 909.496.4694

Business

Response:

September 8, 2014

RE: Response to Complaint

ID Number: [redacted]

Dear Sir /Madam,

I am in receipt of your email transmission of a complaint submitted to the Revdex.com by [redacted]

[redacted] dated September 2, 2014. I tried to submit a response via your website. However,

the email message would not allow me to send or input any text in the body. Please accept

this letter as a response to the above-referenced complaint

I spoke with the Director of Customer Service and confi rmed that the Customer Service

Department did speak to Ms. [redacted] on 9/4/2014 at 9:44:00 AM. The Customer Service

representative assisted Ms. [redacted] on directing her where to make a payment on her loan.

Kindly advise if I can be of further assistance. Thank you.

Sincerely,

Sr. Paralegal

Review: I was informed through a credit alert that there was a new Hard Inquiry posted on my account on 11/18 from the Subscriber Goal Structured Solutions. Since I have not authorized any such inquiries on my credit line and I am not delinquent on any student loans this new inquiry was concerning. I first contacted Goal Structured Solutions and it took them 4 days to even return my call despite calling during business hours. When I was able to finally talk to someone they informed me that they do not handle the credit tracking and they then sent me to ACS who informed me that they did not place any inquiries on my account since it is in repayment and is not past due. I then called back Goal Structured Solutions and have not had a response. Seeing as the inquiry was listed under the Goal Structured name and address, I do not appreciate getting the run around, particularly when credit/identity fraud is so prevalent. I have issued a fraud alert on my credit line, since I am not able to confirm where this inquiry has come from and it was most certainly not an authorized inquiry from my end.Desired Settlement: I would like to be informed of where this inquiry has come from so that I can take the necessary steps to protect my identity and/or have it removed from my account since hard inquiries such as the one made by Goal Structured Loans remain on your account for up to 3 years.

Business

Response:

San Diego Revdex.com4747 Viewridge Ave Suite 200San Diego, CA 92123RE: Response to ComplaintID Number: [redacted]Dear Sir /Madam,December 8, 2014[redacted], [redacted] Telephonewww.goalsolutions.comI am in receipt of your email transmission of a complaint submitted to the Revdex.com by [redacted] dated November 24, 2014. Please accept this letter as a response to theabove-referenced complaint.Under the terms of [redacted] student loan contract, periodic hard inquiries can be madeby the holder of her loan, [redacted], on her credit. As a serviceprovider to [redacted], Goal Structured Solutions, Inc. conducted thehard inquiry, which is why Ms. [redacted] is seeing Goal Structured Solutions as the subscriberon her credit report.The Customer Service Department has telephoned and sent a letter to [redacted]explaining this.Kindly advise if I can be of further assistance. Thank you.Sincerely,[redacted]Sr. Paralegal