UHEAA

UHEAA has attempted to contact the customer in order to resolve any concerns they have. We are committed to a making a full resolution with the customer. Please let us know if you have any questions.

UHEAA has contacted the customer and will ensure that their Income-Based Repayment is processed as soon as possible, and that no late fees or undue interest-capping occurs. Let us know if you have any further questions.

We worked directly with the borrower to provide responses to each of his questions and concerns. We believe the borrower now has the information he requested. We are happy to work with the borrower if he has any questions or concerns in the future.

UHEAA contacted the customer and was able to get his request approved and processed in a timely manner. UHEAA considers this issue to be resolved.

UHEAA's records do not show a phone conversation with the customer in June requesting a payoff of his account. On the date the payoff payment was received, the principal balance was $1474.43 and the interest was $11.29. However, since a customer service representative stated to the customer in...

July that the $11.50 in outstanding balance could be waived, UHEAA has agreed to write off the $11.50 in interest and close the account. This account should reflect as PIF by the end of September.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

UHEAA confirmed that the refund check sent to Citizens Bank had been cashed by the bank. UHEAA notified the customer of this and the customer stated that she would contact her bank. The customer has not contacted UHEAA for 3 weeks, thus UHEAA considers this issue to be resolved.

UHEAA has attempted to contact the customer regarding the matter and is committed to resolving the customer's complaint. The Income-Based Repayment plan has been successfully processed. Please let us know if you have any additional questions.

We are working with this customer to come to a resolution.

UHEAA has been working with the borrower and reached a resolution to their concerns. We are still working with the borrower and sending them requested documentation and will continue to work with the borrower to confirm if they have any questions regarding the documentation that is being sent...

to them.

UHEAA will contact the customer today and clarify the deferment terms with the customer. Please contact us if you have any further questions.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Dear [redacted], We believe the following most adequately addresses your questions. Because your active Income Contingent Repayment (ICR) plan was not renewed during the annual recertification period in 2012, you were automatically placed in the default permanent standard ICR inactive plan. Per the Income-Driven Repayment form set by the Department of Education, “failure to submit documentation by the deadline may result in the capitalization of interest and will increase the payment amount to the 10-year standard payment amount.”   You remained in this inactive permanent standard version of ICR until 02/08/2017, when you requested to be placed on a standard level repayment schedule. We did not change your repayment schedule type previously because we did not receive any documentation from you in which you requested a change in repayment type from Cornerstone. You are still welcome to alter your repayment schedule type at any time.   On 02/08/2017, your loans were placed on a new standard level repayment plan, per your request to customer service. By placing you on a standard level repayment plan, Cornerstone will provide the maximum terms available to you, as was explained to you by our customer service representative. In your case, your standard level repayment plan beginning on 03/28/2017 in the amount of $130.22 was based on the 232 maximum available terms. If you would like to increase the monthly amount due, we would be happy to recalculate your repayment schedule using fewer terms in order to pay off your loans faster.We can confirm that you are still a participant in our Auto-Pay program and remain a recipient of a .25% interest reduction.We hope you find these answers satisfactory. Please let us know if you have any additional questions, as we are happy to assist you.Sincerely,Cornerstone Ombudsman

UHEAA will seek to resolve the customer's complaint and attempt to contact the customer.

UHEAA is currently working with the borrower to address their concerns and achieve resolution on their account. Please contact us if you have further questions or you need additional information.

UHEAA will reach out to the customer within 24 hours is order to address any concerns they may have. UHEAA is committed to reaching a full resolution with the customer on this case. Please contact our ombudsman department with any questions at (801)321-7138.

Below is copy of correspondence between my self and cornerstone. Since my initial complaint Cornerstone has...

changed my loan terms without my permission, this time they are claiming that I made the request with Adam Isom, which I never did. They have yet to answers why my loan payment was changed without my permission and why after I requested to be placed in standard payment 5 years ago, I was not rather placed in a repayment plan advantageous to cornerstone . I Do NOT accept there response !  I NEVER, at any point with my conversation with Adam I[redacted] requested the terms of my loan to be in any way adjusted or changed. I simply wanted to know why my loan payment changed with out notification. And why after requesting to be placed in STANDARD repayment in 2012!!!! I was not!!! Both of which have not be answered still. Adam I[redacted] is LYING about my request for any term changes, at the time we spoke he informed me that I had 77 terms left, never did I request any changes to be made. (In fact I'd like to hear proof of the recording or evidence I made that request ).  I need to speak with someone in upper level management because Adam or cornerstone customer service is either attempting to defraud me or incompetent, and neither is acceptable . Dear [redacted],Thank you for your email.We will be happy to explain the situation behind your account. Our records indicate that you called in on 02/03/17 and spoke with a representative to discuss your repayment plan and options ahead of you. You were previously on ICR, but your plan expired because it was not renewed. Since those types of plans are voluntary, they require renewal on an annual basis. Since that didn't happen, your payment increased as a result. This is due to federal regulations and how we are required to recalculate an ICR plan when they are not renewed and it's also based on poverty guidelines.Also, in this same call with one of our representatives, our records indicate that you requested to be moved to a standard "level" plan. The payment amount is similar to that of ICR and you also requested to have your payments recalculated based on the maximum number of terms (months) available to repay your loans. Your account had 232 terms left on it, so your monthly payments were calculated based on that number. As such, it has lowered your payments and pushed out your finish date to 06/28/36. Your monthly payment rate, assuming you choose not to recalculate your plan again, will be about $130. You may have your payments recalculated again by calling us if you want your final payoff date to be sooner than 06/28/36.  Also, our records indicate that your loans are receiving the .25% interest rate reduction because of Auto Pay enrollment. You will receive this discount as long as you stay on Auto Pay. We hope that we have been able to answer your questions. Please contact a Customer Service Representative if you have further questions. We can be reached at 1-800-663-1662, Monday through Thursday, 6amto 7pm, MST and on Fridays, between 6am to 5pm MST.  Please return all forms to CORNERSTONE by fax (801-366-8400) or mail to, PO BOX 145122 SALT LAKE CITY, UT 84114-5122. Thank you,CornerStone Education Loan Services Customer Service Yes. I still have questions. I was never given a direct answer as to why my loan was in income contingent inactive and not standard ( per my initial request  in 2012!) why my payment has once again been changed without my permission! And my loan pay off date is now 2036!!! Nearly 20 years from now!! Why am I not receiving the .25 discount since my account has almost always been auto pay? I have had to report cornerstone to the Revdex.com. If you care to explain all of this I'd love to hear it.

UHEAA has contacted the customer and will follow up as soon as we receive the required form. Please let us know if you have any further questions.

UHEAA will reach out to answer all outstanding questions the borrower has at this time. UHEAA is also willing to work with the borrower in order to reach a resolve.

UHEAA spoke with the customer and let her know that UHEAA should be receiving the additional funds needed to close out the customer's account within the next two weeks. UHEAA will continue to monitor until account is paid off, this customer's issue should soon be...

resolved.