Consumer complaint received 2019-07-07
Company: First Associates Loan Servicing LLC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom it may concern, I am writing this letter to have my student loans discharged due to attending XXXX from XX/XX/XXXX to XX/XX/XXXX due to fraudulent practices to deceive. 

I was lied to and deceived by the staff at XXXX XXXX ; The campus I attended was the XXXX, FL campus for the XXXX program. 

While taking the tour of the XXXX XXXX campus I asked if the school was accredited, due to working experience of XXXX XXXX  XXXX for over a decade and understanding the weight of graduating from an accredited program. 
Ms. XXXX XXXX the Program Director and a XXXX herself, additionally a stated consultant for an attorney firm. With the above stated credentials, she represented herself as credible resource I chose to believe the information she presented to me as truthful. Ms. XXXX stated to me that XXXX XXXX school was in the process of becoming accredited with the XXXX XXXX XXXX  XXXX ( XXXX ). The process would happen very quickly and once accredited they would retro back the accreditation to previous XXXX XXXX students that graduate from their program prior to actual Accreditation. 

THIS TURNED OUT TO BE A PROVABLE LIE as covered in the next couple paragraphs. 

With this information, I began the application process to enter the school. I passed all the tests for entrance into the program. Which they removed the science portion of the entrance testing 2 weeks later due to not enough people passing the exam. 

I met with the Financial office and signed the appropriate forms. It was never discussed or disclosed to me about a private loan that I would have to pay after graduation or leaving XXXX. Additionally, a {$2000.00} fee was due upon graduation or leaving which was also not discussed or disclosed to me. The financial representative did state I would sign over my Pell grants to offset the additional money owed above the Federal Student loans. It was stated to me by the Financial representative working for XXXX, that the only additional funds owed would be covered by my Pell Grants. 
This was not the truth I have an additional personnel student loan that I am currently paying to XXXX XXXX until XXXX. 

Again, THIS WAS ANOTHER LIE AND DECEPTIVE PRACTICE. 

While attending XXXX after my second round of financing ( 9-month cycles ). Many other students in my class started to question the accreditation status. Ms. XXXX XXXX Program Director stated a representative would be coming to the school from the XXXX to do an inspection for our application process for accreditation. A person came to the school and did a fake inspection of the facility. XXXX XXXX informed us we did wonderful on the inspection and the process was almost complete for the XXXX accreditation. After spending over a year with XXXX XXXX I could sense when she was lying ( the fake inspection ) seeming to be one of those moments which caused me to call the XXXX. 
I called the XXXX and it was verified by the XXXX, they did not send anyone to XXXX in XXXX to XXXX, Florida for an inspection. Additionally, the XXXX wanted to know who it was that went to XXXX and fraudulently represented the XXXX. No business cards were given at the time the lady represented herself as an auditor for the XXXX. 

The XXXX also stated the application process could only happen after a pass average from XXXX happened on national testing XXXX boards of 85 % and then it would be a 2-year process after the passing average to possible obtain accreditation. The representative stated that the XXXX will not retro back accreditation to previous graduates. 

IF THEY WERE TRUTHFUL I NEVER WOULD HAVE GONE TO XXXX. 

Due to the information from the XXXX  I felt I had no other recourse but to leave XXXX and go to an accredited XXXX school which I went to State College of XXXX. Not a single credit from XXXX transferred to XXXX due to non-accreditation of any kind, not even general education course work transferred. It caused me to repeat 2 years of education that I wasted at XXXX. 

With the past and current litigation proving fraud and deceptive practices on XXXX   behalf. I am asking that my student loans from XXXX be considered for discharge due to their fraudulent nature. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation