Consumer complaint received 2016-11-11
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Based on information provided by XXXX I sought to seek enrollment as a fulltime student at the XXXX university to pursue a XXXX XXXX XXXX XXXX XXXX. Based on expected cost & information provided states tuition & fees ARE NOT billed at the cost per credit hour of {$600.00}. In addition, pre-generated predatory loans with XXXX though Great Lakes Borrowing based on Truth in Lending Act includes fees for the school application of which was previously settled months prior to enrollment. Total amount billed with Great Lakes include Cost of course/ fees for classes I as a student never enrolled, gained education, or scheduled. 

Transcripts of prior courses were provided and approved by the institution before enrollment for credit adjustment to decrease original loan amount for cost of transferrable credit. While enrolled as a Full-Time student all Department of Education Subsidized, Unsubsidized, and Scholarships were applied to Tuition. It was advised if I wish to obtain additional funding for expected living/outside expenses private loans were required, as additional funds received by University would deflate institutional awarded scholarship that is non-cash redeemable. 

With intensive recruiting by agent XXXX XXXX, there was an urgency to begin classes sooner than expected as all documents were secured with appropriate departments. Special structure of program allows access to classes taken online until arrival at the XXXX. After speaking with several other students who were not aware of the process it was determined many students originally failed the online introductory XXXX credit hour course, which is designed for campus resulting in {$1800.00} pay to retake fee. 

Lack of independent accounting practice as done by XXXX and XXXX XXXX, has afforded XXXX to negatively impact student & parent consumers credit with students who are billed {$45000.00} for courses and a negligence to mention approximately {$17000.00} unmet need with Department of Education as expectation of private loans by parent plus or cosigner are to meet student living arrangements. 

After addressing wishes to suspend having loans billed as I would not be attending classes XXXX XXXX continuously billed Great Lakes from XXXX with out approval. 

XXXX XXXX, XXXX I received an email stating XXXX XXXX University reconciled records to determine a XXXX Refund Check was due in the amount of {$1.00} from loans disbursed to the University by Department of Education from Fiscal Year of XXXX for expected associate cost of obtaining a education while attending classes XXXX hours a day 6 days a week. 

Many students ' graduates and those who were forced to withdraw due to lack of XXXX XXXX funding are stuck with the burden of poor quality education, un-transferrable courses and erroneous loans unable to make payment or obtain gainful employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation