We purchased a contract from [redacted] (dealer) on August 17, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to refinance or consolidate student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly stated the dealer was offering a service to help navigate the student loan debt relief bureaucracy.? The dealer needs to be contacted with questions about the student loans.? The customer service number to contact them is ###-###-####, to check on the status of the repayment plan the dealer set the customer up in.? We look forward for having he customer continuing to fulfill her obligation to us
We purchased a contract from Student Loan Care, LLC (dealer) on October 26, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to refinance or consolidate student loan debt.? The customer also filed a CFPB complaint, and we have attached our response to that complaint.? We have closed the account and the customer has no obligation to us at this time.? The account should be removed from the credit bureau next month when we report our accounts
? I am rejecting this response because: I never got a loan from them also I have have proff that my loans are still with fed loan servings with a $payments due and will remain that wayI never received ? any money from them at all they lied about the whole contract?
Once again, we purchased a contract from ***, Corp (dealer) and have nothing to do with the customer's actual student loans.? The customer needs to contact the dealer to discuss the status of the loans, and what her expectations of the dealer's actions were.? After listening to the audio recording of the verification call done with the customer, the customer agreed to the loan with Equitable Acceptance and understood we were a third party finance company an had nothing to do with the student loans.? If the customer thought her student loans were to be paid off by taking out a loan with Equitable Acceptance, she must contact the dealer and work with them
We purchased a contract from [redacted] (dealer) on November 24, for the customer to finance the documentation preparation fee the dealer charged to work with the Department of Education to refinance or consolidate student loans.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved, and clearly states the dealer was offering a service to help navigate the student loan debt relief bureaucracy.? We never claimed we would lower student loans, that would have been the dealer.? We have a recorded verification call done with the customer which explained the transaction, and states the customer agreed to the loan.? The customer needs to contact the dealer at ###-###-#### to find out the status of the this transaction, and get clarification on what the dealer did and will do for them.? We appreciate the customer has paid all payments to date, and will continue to fulfilling their obligation to us.? We will not be cancelling this account or refunding any money
We purchased a contract from [redacted] (dealer) on August 9, for the customer to finance the purchase of tutoring services from the dealer.? The dealer and customer had the arrangement for the services, and Equitable Acceptance was not involved with the agreementPrior to funding this account, we completed a verification call with the customer to discuss this account.? According to the dealer, they provided sessions of tutoring until October 4, 2017.? The dealer notified us they attempted to contact the customer to discuss the remaining sessions to be completed, but they have been unsuccessful in making contact.? The dealer would like to work with the customer to satisfy the service they are providing.? We look forward to having the customer fulfilling her obligation to us
We purchased a contract from [redacted] ("dealer") on August 22, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to refinance or consolidate student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly stated the dealer was offering a service to help navigate the student loan relief bureaucracy.? The dealer has many program at their disposal to choose which works best for the customer based on the customer's financial situation.? The initial program the customer was to be enrolled in was a Pay as you Earn program with zero payments to the student loans for the first year.? After the first year, the dealer was offering to work with the customer and DOE to re-enroll into the best program.? If the customer is having an issue with the student loan servicer and payments, they must be addressed with the dealer.? The dealer's customer service number is ###-###-####.? We look forward to having the customer fulfilling her obligation to us
? I am rejecting this response because:Hello, I appreciate the response from both you and the businessMy issue as I had stated in my initial complaint is the fact that the services that were? financed through Equitable acceptance for [redacted] is not being fulfilledI have still had several emails not responded from [redacted] and I also called Equitable acceptance to try and back out of the agreement that I was inUnfortunately that did not workI understand fully that I signed the agreement and I financed the money is involved to get the hell from [redacted] in that [redacted] originally did get the work done that was supposed to be doneHowever it was supposed to cover all future filings which it did not, and their communication with me has been non existent.? I I also have a friend that told me that [redacted] and Equitable acceptance itself is a scam and that there's a class action lawsuit going on again student have the kids and what they're doingThe Department of Education also told me that they heard of [redacted] but they don't know what they do and everything that we did with [redacted] could have very easily been done on my ownMy friend also had mentioned she paid off Equitable Acceptance in full and they're still trying to charge her every month for something that was already paid for.? My question is:IS there a class action lawsuit against [redacted] and Equitable Acceptance?? What do I do about the fact that I cannot pay this monthly fee for a service [redacted] is not fulfilling?? hThank you, [redacted]
? I am rejecting this response because: This is clearly wrongWhile they did pursue and obtain permission from me, it was in deceitful waysThey clearly were in disguise as my service provider and the loan they are asking for me to pay does not existI consolidated my loans through FedLoan Services and they are still with them as we speakNothing has changedWhat they are doing is against the law or should be and I am Not paying them.? I have already requested my bank not release any more money to this companyIf they want to not be charged or sued, I would suggest they cease and desist immediately they will also need to return any money taken to me immediately.? ***
We purchased a contract from [redacted] Team, LLC aka [redacted] (dealer) on March 22, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to consolidate or refinance student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly states the dealer was offering a service to help navigate the student loan debt relief bureaucracy.? The customer has been paying on her account every month through automatic electronic payment since inception.? We look forward to having the customer fulfilling her obligation to us and avoiding any negative reporting to credit bureaus
We purchased a contract from Student Advisors [redacted] (dealer) on August 23, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to refinance or consolidate student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly states the dealer was offering a service to help navigate the student loan relief bureaucracy on the customer's behalf.? This is a yearly program that needs to be re-certified each year to see what program works best for the customer.? The customer has been paying on her account to us since inception, and we look forward to having her fulfilling her obligation to us.? The customer needs to contact the dealer and work with them to better understand the program they found to be the best for her financial situation
We purchased a contract from [redacted] (dealer) on August 22, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to refinance or consolidate student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly stated the dealer was offering a service to help navigate the student loan debt relief bureaucracy.? Any contract before we purchased the contract was done with the dealer.? We also have a recorded verification call which explained the transaction and Equitable's role in it.? As part of what the dealer did for the customer, was to put the customer into the best program for the customer's income situation.? They also offered to re-certify the program for the customer which needs to be completed to stay in the program.? This re-certification is done annually and per the terms of the purchase agreement, the dealer is offering to do three re-certifications.? The customer needs to speak to the dealer to have them work through the re-certification at ###-###-#### or ###-###-####.? We look forward to having the customer fulfilling her obligation to us
We purchased a contract from MTCSL, Corp (dealer) on April 18, for the customer to finance the documentation preparation fee the dealer charged to work with the Department of Education to consolidate or refinance student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly states the dealer offered a service to help navigate the student loan relief bureaucracy.? When the customer signed the electronic documents, she signed a form giving us permission to access her checking account to withdraw from her account to pay the monthly payments.? The first payment on this account was due July 15, which the customer paid on July 19, and has since been returned to us as NSFWe would gladly send a copy of the documents she signed if she calls our customer service department and requests a copy of the documents to be sent to her.? We look forward to having the customer fulfilling her obligation to us
The signatures on the documents are electronic signatures done through an authentication service called Docusign.? The customer agreed to this account when she was working with Progress Advocates Group to consolidate her student loans.? This account was verified with the customer prior to funding, so why is the customer now disputing this? We do not cancel accounts here unless the dealer authorizes us to.? If there is an issue with the consolidation of the student loans, the customer must contact the dealer to resolve.? We have nothing to do with the consolidation, only the fee the dealer charges to complete the process for customer.? The money we have been deducting from the customer's account to pay the loan has in fact been applied to this loan.? The automatic payments are not set up with us for the student loan payments
We purchased a contract from [redacted] (dealer) on September 6, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to refinance or consolidate student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly states the dealer was offering a service to help navigate the student loan debt bureaucracy.? Any contract the customer had to begin this process was with the dealer.? The dealer also completed a verification call with the customer which explained the transaction, and Equitable's role in the transaction, which the customer agreed to all information.? The dealer was able to get the customer into the best program for the customer's financial situation.? While it is a free service to do on your own, similar to hiring someone to do your taxes or cut your lawn, the customer hired the dealer to do the work for himThe customer contacted our office on November 30, regarding his account, and we referred him to the dealer since his questions were about the student loans, not his account with us.? We look forward to having the customer fulfilling his obligation to us
We purchased a contract from [redacted] (dealer) on July 18, for the customer to pay the documentation preparation fee charged by the dealer to work with the Department of Education to consolidate or refinance student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly states that the dealer was offering a service to navigate the student loan bureaucracy on behalf of the customer.? We also have a recorded verification call done with the customer prior to purchase which explained Equitable's role in this transaction.? If there is an issue with the student loans the customer needs to contract the dealer to resolve.? We look forward to having the customer fulfilling his obligation to us to repay the loan for the fee charged by the dealer.?
? I am rejecting this response because: I do not feel that this contract is valid? since it was set up with a different company and they have also done nothing but given me the run aroundThe person I emailed (Jamie L [redacted] )I was told by the person I had spoke with on the phon that the process would take to business daysThere is no way to cancel when the contract states I needed to return the product I purchased from them in business daysI have also contacted the Student loan company that did this and filed a complaint as well and also with the FTCThis is fraud and I would like the balance owed on my account written offI do not feel either of these companies were truthful at all to me when I was called.?
We have attached copies of the signed documents to this response.? The customer signed the documents on May 16, 2011.? Our recovery department will be willing to work with the customer to make arrangements to fulfill the obligation.? Once paid in full, we will report to the credit bureaus as a paid in full account
We purchased a contract from [redacted] (dealer) on June 14, for the customer to finance the document preparation fee the dealer charged to work with the Department of Education to consolidate or refinance student loans.? The customer and dealer entered into a written agreement, which Equitable Acceptance was non involved and clearly states the customer agrees to pay for the service the dealer was going to do to help navigate the student loan relief bureaucracy.? ? The dealer has many programs available and can find the best one for the customer.? We have been notified by the dealer that the work on the student loans has been completedIf there is an issue with that, the customer needs to contact the dealer.? We have found that the Fed Loan representatives are not always truthful in what they tell customer's to try to keep the loans from being refinanced or consolidated.? We look forward to the customer fulfilling their obligation to us so we do not have to report negatively to the credit bureaus.? The accounts are reporting as a revolving account on the credit bureau as this is the only way the credit bureau will receive our reporting.? There is no credit card involved with this transaction
We purchased a contract from Greater Regional Technologies (dealer) to purchase a Hyla Cleaning System on May 20, 2011.? The customer made the payments from September, until December, 2012.? With no payments after this time, the account was charged off to bad debt in April, 2013.? The customer reached out to us in November, 2014, and again from December, to February, to try to resolve this.? We have not heard from the customer since that time.? We are reporting this account correctly as a negative account (charged to bad debt) on the credit bureaus.? If the customer would like to clear this up, they can contact our Recovery Department and? they will work with him
We purchased a contract from [redacted] (dealer) on August 17, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to refinance or consolidate student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly stated the dealer was offering a service to help navigate the student loan debt relief bureaucracy.? The dealer needs to be contacted with questions about the student loans.? The customer service number to contact them is ###-###-####, to check on the status of the repayment plan the dealer set the customer up in.? We look forward for having he customer continuing to fulfill her obligation to us
We purchased a contract from Student Loan Care, LLC (dealer) on October 26, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to refinance or consolidate student loan debt.? The customer also filed a CFPB complaint, and we have attached our response to that complaint.? We have closed the account and the customer has no obligation to us at this time.? The account should be removed from the credit bureau next month when we report our accounts
? I am rejecting this response because: I never got a loan from them also I have have proff that my loans are still with fed loan servings with a $payments due and will remain that wayI never received ? any money from them at all they lied about the whole contract?
Once again, we purchased a contract from ***, Corp (dealer) and have nothing to do with the customer's actual student loans.? The customer needs to contact the dealer to discuss the status of the loans, and what her expectations of the dealer's actions were.? After listening to the audio recording of the verification call done with the customer, the customer agreed to the loan with Equitable Acceptance and understood we were a third party finance company an had nothing to do with the student loans.? If the customer thought her student loans were to be paid off by taking out a loan with Equitable Acceptance, she must contact the dealer and work with them
We purchased a contract from [redacted] (dealer) on November 24, for the customer to finance the documentation preparation fee the dealer charged to work with the Department of Education to refinance or consolidate student loans.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved, and clearly states the dealer was offering a service to help navigate the student loan debt relief bureaucracy.? We never claimed we would lower student loans, that would have been the dealer.? We have a recorded verification call done with the customer which explained the transaction, and states the customer agreed to the loan.? The customer needs to contact the dealer at ###-###-#### to find out the status of the this transaction, and get clarification on what the dealer did and will do for them.? We appreciate the customer has paid all payments to date, and will continue to fulfilling their obligation to us.? We will not be cancelling this account or refunding any money
We purchased a contract from [redacted] (dealer) on August 9, for the customer to finance the purchase of tutoring services from the dealer.? The dealer and customer had the arrangement for the services, and Equitable Acceptance was not involved with the agreementPrior to funding this account, we completed a verification call with the customer to discuss this account.? According to the dealer, they provided sessions of tutoring until October 4, 2017.? The dealer notified us they attempted to contact the customer to discuss the remaining sessions to be completed, but they have been unsuccessful in making contact.? The dealer would like to work with the customer to satisfy the service they are providing.? We look forward to having the customer fulfilling her obligation to us
We purchased a contract from [redacted] ("dealer") on August 22, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to refinance or consolidate student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly stated the dealer was offering a service to help navigate the student loan relief bureaucracy.? The dealer has many program at their disposal to choose which works best for the customer based on the customer's financial situation.? The initial program the customer was to be enrolled in was a Pay as you Earn program with zero payments to the student loans for the first year.? After the first year, the dealer was offering to work with the customer and DOE to re-enroll into the best program.? If the customer is having an issue with the student loan servicer and payments, they must be addressed with the dealer.? The dealer's customer service number is ###-###-####.? We look forward to having the customer fulfilling her obligation to us
? I am rejecting this response because:Hello, I appreciate the response from both you and the businessMy issue as I had stated in my initial complaint is the fact that the services that were? financed through Equitable acceptance for [redacted] is not being fulfilledI have still had several emails not responded from [redacted] and I also called Equitable acceptance to try and back out of the agreement that I was inUnfortunately that did not workI understand fully that I signed the agreement and I financed the money is involved to get the hell from [redacted] in that [redacted] originally did get the work done that was supposed to be doneHowever it was supposed to cover all future filings which it did not, and their communication with me has been non existent.? I I also have a friend that told me that [redacted] and Equitable acceptance itself is a scam and that there's a class action lawsuit going on again student have the kids and what they're doingThe Department of Education also told me that they heard of [redacted] but they don't know what they do and everything that we did with [redacted] could have very easily been done on my ownMy friend also had mentioned she paid off Equitable Acceptance in full and they're still trying to charge her every month for something that was already paid for.? My question is:IS there a class action lawsuit against [redacted] and Equitable Acceptance?? What do I do about the fact that I cannot pay this monthly fee for a service [redacted] is not fulfilling?? hThank you, [redacted]
? I am rejecting this response because: This is clearly wrongWhile they did pursue and obtain permission from me, it was in deceitful waysThey clearly were in disguise as my service provider and the loan they are asking for me to pay does not existI consolidated my loans through FedLoan Services and they are still with them as we speakNothing has changedWhat they are doing is against the law or should be and I am Not paying them.? I have already requested my bank not release any more money to this companyIf they want to not be charged or sued, I would suggest they cease and desist immediately they will also need to return any money taken to me immediately.? ***
We purchased a contract from [redacted] Team, LLC aka [redacted] (dealer) on March 22, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to consolidate or refinance student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly states the dealer was offering a service to help navigate the student loan debt relief bureaucracy.? The customer has been paying on her account every month through automatic electronic payment since inception.? We look forward to having the customer fulfilling her obligation to us and avoiding any negative reporting to credit bureaus
We purchased a contract from Student Advisors [redacted] (dealer) on August 23, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to refinance or consolidate student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly states the dealer was offering a service to help navigate the student loan relief bureaucracy on the customer's behalf.? This is a yearly program that needs to be re-certified each year to see what program works best for the customer.? The customer has been paying on her account to us since inception, and we look forward to having her fulfilling her obligation to us.? The customer needs to contact the dealer and work with them to better understand the program they found to be the best for her financial situation
We purchased a contract from [redacted] (dealer) on August 22, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to refinance or consolidate student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly stated the dealer was offering a service to help navigate the student loan debt relief bureaucracy.? Any contract before we purchased the contract was done with the dealer.? We also have a recorded verification call which explained the transaction and Equitable's role in it.? As part of what the dealer did for the customer, was to put the customer into the best program for the customer's income situation.? They also offered to re-certify the program for the customer which needs to be completed to stay in the program.? This re-certification is done annually and per the terms of the purchase agreement, the dealer is offering to do three re-certifications.? The customer needs to speak to the dealer to have them work through the re-certification at ###-###-#### or ###-###-####.? We look forward to having the customer fulfilling her obligation to us
We purchased a contract from MTCSL, Corp (dealer) on April 18, for the customer to finance the documentation preparation fee the dealer charged to work with the Department of Education to consolidate or refinance student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly states the dealer offered a service to help navigate the student loan relief bureaucracy.? When the customer signed the electronic documents, she signed a form giving us permission to access her checking account to withdraw from her account to pay the monthly payments.? The first payment on this account was due July 15, which the customer paid on July 19, and has since been returned to us as NSFWe would gladly send a copy of the documents she signed if she calls our customer service department and requests a copy of the documents to be sent to her.? We look forward to having the customer fulfilling her obligation to us
The signatures on the documents are electronic signatures done through an authentication service called Docusign.? The customer agreed to this account when she was working with Progress Advocates Group to consolidate her student loans.? This account was verified with the customer prior to funding, so why is the customer now disputing this? We do not cancel accounts here unless the dealer authorizes us to.? If there is an issue with the consolidation of the student loans, the customer must contact the dealer to resolve.? We have nothing to do with the consolidation, only the fee the dealer charges to complete the process for customer.? The money we have been deducting from the customer's account to pay the loan has in fact been applied to this loan.? The automatic payments are not set up with us for the student loan payments
We purchased a contract from [redacted] (dealer) on September 6, for the customer to finance the documentation preparation fee charged by the dealer to work with the Department of Education to refinance or consolidate student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly states the dealer was offering a service to help navigate the student loan debt bureaucracy.? Any contract the customer had to begin this process was with the dealer.? The dealer also completed a verification call with the customer which explained the transaction, and Equitable's role in the transaction, which the customer agreed to all information.? The dealer was able to get the customer into the best program for the customer's financial situation.? While it is a free service to do on your own, similar to hiring someone to do your taxes or cut your lawn, the customer hired the dealer to do the work for himThe customer contacted our office on November 30, regarding his account, and we referred him to the dealer since his questions were about the student loans, not his account with us.? We look forward to having the customer fulfilling his obligation to us
We purchased a contract from [redacted] (dealer) on July 18, for the customer to pay the documentation preparation fee charged by the dealer to work with the Department of Education to consolidate or refinance student loan debt.? The customer and dealer entered into a written agreement, which Equitable Acceptance was not involved and clearly states that the dealer was offering a service to navigate the student loan bureaucracy on behalf of the customer.? We also have a recorded verification call done with the customer prior to purchase which explained Equitable's role in this transaction.? If there is an issue with the student loans the customer needs to contract the dealer to resolve.? We look forward to having the customer fulfilling his obligation to us to repay the loan for the fee charged by the dealer.?
? I am rejecting this response because: I do not feel that this contract is valid? since it was set up with a different company and they have also done nothing but given me the run aroundThe person I emailed (Jamie L [redacted] )I was told by the person I had spoke with on the phon that the process would take to business daysThere is no way to cancel when the contract states I needed to return the product I purchased from them in business daysI have also contacted the Student loan company that did this and filed a complaint as well and also with the FTCThis is fraud and I would like the balance owed on my account written offI do not feel either of these companies were truthful at all to me when I was called.?
We have attached copies of the signed documents to this response.? The customer signed the documents on May 16, 2011.? Our recovery department will be willing to work with the customer to make arrangements to fulfill the obligation.? Once paid in full, we will report to the credit bureaus as a paid in full account
We purchased a contract from [redacted] (dealer) on June 14, for the customer to finance the document preparation fee the dealer charged to work with the Department of Education to consolidate or refinance student loans.? The customer and dealer entered into a written agreement, which Equitable Acceptance was non involved and clearly states the customer agrees to pay for the service the dealer was going to do to help navigate the student loan relief bureaucracy.? ? The dealer has many programs available and can find the best one for the customer.? We have been notified by the dealer that the work on the student loans has been completedIf there is an issue with that, the customer needs to contact the dealer.? We have found that the Fed Loan representatives are not always truthful in what they tell customer's to try to keep the loans from being refinanced or consolidated.? We look forward to the customer fulfilling their obligation to us so we do not have to report negatively to the credit bureaus.? The accounts are reporting as a revolving account on the credit bureau as this is the only way the credit bureau will receive our reporting.? There is no credit card involved with this transaction
We purchased a contract from Greater Regional Technologies (dealer) to purchase a Hyla Cleaning System on May 20, 2011.? The customer made the payments from September, until December, 2012.? With no payments after this time, the account was charged off to bad debt in April, 2013.? The customer reached out to us in November, 2014, and again from December, to February, to try to resolve this.? We have not heard from the customer since that time.? We are reporting this account correctly as a negative account (charged to bad debt) on the credit bureaus.? If the customer would like to clear this up, they can contact our Recovery Department and? they will work with him