Ortiz Attachment A 

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 1 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

1 97335283 07/02/2018 Ameritech Financial I was contacted over a year ago and have been automatcally making payments of $82 

to a fake company and my student loans are growing.

2 97335364 07/02/2018 Ameritech Financial Reporting for her soon to be husband. Consumer found out that Ameritech Financial 

has a lawsuit. Consumer did send them $245. Consumer first got into contact with 

Great Lakes. Consumer was online looking for a student loan forgiveness program.

3 97335432 07/02/2018 Ameritech Consumer reports she signed up with Ameritech to help with her student loan and they 

never did anything for her now they are harassing her for payment.

4 97335578 07/02/2018 Ameritech Consumer received a letter from the FTC notice of lawsuit. Ameritech Financial for a 

student load reduction.

5 97341603 07/02/2018 Ameritech Financial

Consumer is calling to report that she received a notice in the mail in regards to the 

Ameritech Financial. Consumer indicates she does not remember how much she has 

paid the company will review her bank statements and call back.

6 97341840 07/02/2018 Ameritech Financial

Consumer reports they received a call from Ameritech Financial offering to place to 

place them in government program and requested for a fee. Consumer complied and 

paid $173 for 12 months but never received what he was promised.

7 97341932 07/02/2018 Ameritech

Consumer states she is wanting to file a complaint on Ameritech consumer states she 

was paying them $99 since 2016 consumer states she stopped payments in March of 

2018, consumer has not obtain no more services.

8 97342067 07/02/2018 Ameritech Financial

Consumer received a letter from the FTC about the Ameritech Financial, Financial 

Education Benefits Center. Consumer was in contact with them to help with her 

student loans. Consumer didn't know if the letter was real or not. Consumer stated she 

hasn't had any trouble with them. Consumer first contacted them when she received a 

letter in the mail from her previous company she was working with. Consumer was 

charged $99 every month from her checking account.

9 97342130 07/02/2018 Ameritech

Consumer is calling to report that he received a letter from the FTC in regards to his 

relation with Ameritech. Consumer was notified that his payments were not going 

through. Consumer was states that he has been paying Ameritech $99 a month for 

over a year.

10 97342150 07/02/2018 Ameritech

Consumer is calling saying she had received a letter from the FTC about Ameritech. 

Consumer says she had signed up with Ameritech and she had started a payment plan 

with them.

11 97342164 07/02/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

12 97342223 07/02/2018 Ameritech

The consumer reports he came into contact with them through email. The consumer 

reports he paid them a fee up front to help reduce his student loans. The consumer 

reports they started taking The consumer reports he was injured and unable to pay. 

Update 070218: Consumer calls back after disconnection. Consumer was explained 

about the case with Ameritech Financial. 

Ortiz Attachment A - 1

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 2 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

13 97342336 07/02/2018 Ameritech Financial Consumer reports that she has paid Ameritech Financial over $1000 and has received 

a letter from the FTC advising her that this is a possible scam.

14 97342492 07/02/2018 Ameritech

Consumer stated that she paid Ameritech for over a year to regarding their loan 

forgiveness program. Consumer learned from FTC that Ameriitech was not paying 

down her debt.

15 97346850 07/02/2018 Ameritech Financial

I received a letter from the Federal Trade Commission stating that my payments i have 

been making to Ameritech were not going toward my student loans and that the 

Department of Education does not charge borrowers to enroll in student loan 

repayment and forgiveness programs. I have been paying this company monthly 82$ 

since August of 2016. Im upset that someone would take advantage of people that are 

already having a hard time financially. I have tried to contact the company directly like 

the letter stated but no one has returned my calls. Other-Other Update

16 97346896 07/02/2018 Ameritech

Consumer received a FTC letter stating action was begin taken against Ameritech. 

Consumer states Ameritech has been debiting her bank account $80 monthly rate for 3-

4 years only to find out the payments have not being going towards her student loan 

debt. Consumer also states that the phone number on the letter only leads to an 

answering machine and is unable to cancel membership or request refund.

17 97346987 07/02/2018 Ameritech Financial Consumer is calling to report that she received a notice in the mail from Ameritech 

Financial. Consumer indicates she has never had a loan with them.

18 97347197 07/02/2018 Ameritech Financial

Consumer states that she hired Ameritech Financial since about 2013 to help 

consolidate loans and lower monthly student loan payments. Consumer had been 

approved to pay what she was promised was $100 per month towards her student 

loans. Consumer was promised that if she works for a certain amount of years then 

she would qualified for the student loan forgiveness program. Consumer states she 

received states she has received statements from Ed Financial stating that her interest 

is getting interest has been incurring. Consumer was instructed by Ameritech Financial 

to fill out a deferment form with Ed Financial and also report to Ed Financial that she is 

Married but files separately. UPDATE: 7.2.2018, consumer states she called Ameritech 

Financial back and asked the supervisor to cancel her account and wanted a refund. 

The supervisor offered her a $774 refund out of the $6,000 she has paid them so far. 

She states they are submitting to her in writing the cancelation and refund. 

19 97347203 07/02/2018 Ameritech Financial

Consumer received a letter in the mail from the FTC about Ameritech Financial. 

Consumer was told she needed to pay 259 for 6 month and after that it would drop to 

99 dollars a month. Consumer has paid them a total of 2412 dollars.

20 97347230 07/02/2018 Ameritech Financial The consumer called to make a complaint against a debt management company, 

Ameritech Financial.

Ortiz Attachment A - 2

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 3 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

21 97347324 07/02/2018 Ameritech

Consumer called to report that she received a letter from the FTC regarding Ameritech. 

Consumer states that she has been paying Ameritech 99 dollars a month since 

08/01/2017. Consumer states that she has been trying to get in contact with them but 

they don't respond.

22 97347463 07/02/2018 Ameritech

The consumer received a letter from Ameritech informing her of their debt 

consolidation program she could sign up for. The consumer complied. The consumer 

has not spoken to her lender.

23 97347487 07/02/2018 Ameritech Financial, Financial 

Education Benefits Center

Consumer received a letter from the FTC about Ameritech Financial, Financial 

Education Benefits Center. Consumer has emails and bank statement from them. 

Consumer received a letter in the mail about their forgiveness program with her 

student loans. They told her that she needs to pay a small dollar amount for their 

services. They told her that $33 was for paper work and the other amount was towards 

the student loans.

24 97347545 07/02/2018 Ameritech Financial Consumer got a letter from the FTC about Ameritech Financial. Consumer called the 

phone number that was provided in the letter and was hung up on 4 times.

25 97347609 07/02/2018 Ameritech

Consumer is calling saying she has loans with Ameritech and she had received a letter 

from the ftc about the situation. Consumer says they want her to pay monthly 

installments of 150 dollars.

26 97347677 07/02/2018 Ameritech Financial

Consumer received a call from Ameritech Financial offering to reduce her student loan 

debt. Consumer was asked to verify information about her student loan and also her 

bank account information to set up a payment plan. Consumer did comply. Consumer 

ended call before ref# was given.

27 97347706 07/02/2018 Ameritech

Consumer states she received a letter in the mail about the Ameritech. Consumer 

states she has paid monthly $127 dollars each month since 2016. Consumer states 

she wants to known what else she can do to stop the payments and to get her money 

back.

Ortiz Attachment A - 3

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 4 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

28 97347731 07/02/2018 AmeriTech Financial

I on February 8th of 2016 was contacted by Ameritech financials 

customer service agent Sarah Mills Gaines. In reference to my student loans and 

consolidating them to have a lower payment. I was told my payments would be 

lowered and that my payments to the student loan will be paid on my behalf through 

Ameritech Financial. I was told I was in the loan forgiveness program and after 10 

years my loan would be forgiven. I have made a $99 payment per month for 26 months 

totaling $2, 574 that was not applied to my student loan. I received a letter from the 

Federal Trade Commission today June 27th 2018 in reference of Ameritech Financial 

incorporation with student loans is being sued by the FTC for deceptive practices. I am 

filling out this complaint first to start the process of getting my money back that paid for 

services not rendered. please direct me to the necessary steps to achieve this goal 

thank you. P.S. I have made attempts to contact Ameritech to ask for a refund and to 

cancel my membership, however no one will answer my phone calls.

29 97347737 07/02/2018 Ameritech

Consumer reports that she got a letter from the FTC concerning the Ameritech 

Financial suit. She has been paying them for three years. Caller has been unable to 

reach Ameritech.

30 97347764 07/02/2018 Ameritech Financial

I recevied a letter from FTC telling me of the lawsuit they have placed against 

Ameritech Financial regarding deceptive practices in regards to Federal Student 

Loans. I have been a client of Ameritech Financial since July of 2017 and have been 

making monthy payments to them of $33 since August of 2017. As per your 

corresponce with me regarding the lawsuit, I have attempted to contact Ameritech 

Financial to cancel my membership and request a refund per the instructions on your 

letter. I have attempted several time to call the phone number listed on your letter as 

well as the AmeriTech Financial website and the number seems to be invalid or not 

functioning properly because it give a "extenion not available" message 

upon answering. Please not I did not even request an extension. I have also reached 

out to them vial email to their support department with no response. It seems the 

company has gone off the radar in regards to their customers. My last payment was 

on 6/18/18. I have stopped payment via my bank for any further payments. I am at a 

loss on how to actually cancel membership with Ameritech Financial. Please help 

Other-Other Update

31 97347765 07/02/2018 Ameritech Financial

Consumer is calling to report that she received a notice in the mail from Ameritech 

Financial. Consumer indicates she had paid the company first year she paid $171 for 

12 months and has been paying $99 for 2 years. Consumer indicates the payment has 

been drafted out of her account monthly.

Ortiz Attachment A - 4

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 5 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

32 97347766 07/02/2018 Ameritech Financial

Consumer states she received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. Consumer states she is one of the customers of Ameritech 

Financial and believed they were legitimate however, she now has her doubts. 

Consumer states she might have received something in the mail from Ameritech 

Financial or she might have found something online and contacted them. Consumer 

states they promised to permanently lower her monthly student loan payment. 

Consumer states they requested that she pay $100 up front, consumer did pay this 

money. Consumer states she was then told that she would pay $136 a month. 

Consumer states she has only paid $100 and has now received letter from FTC.

33 97347786 07/02/2018 Ameritech Financial

Consumer received a call from a company called Ameritech Financial offering to help 

reduce her student loan debt. Consumer was asked to verify information regarding her 

student loans and bank account information to set up payment plan. Consumer did 

comply.

34 97352330 07/02/2018 Ameritech

Consumer reports that he received a letter from the FTC concerning the Ameritech 

scam. Caller wants to know how long he has to wait to get a refund. Consumer 

cancelled his account with Ameritech approximately a year ago when he found out they 

weren't sending the money to the school.

35 97352372 07/02/2018 Ameritech

Consumer got a letter from FTC about Ameritech. Consumer paid $500 for student 

loans consolidation. Consumer was getting harassing emails from Ameritech that she 

has blocked. Consumer had to dispute the Ameritech charges and PNC Bank in 

Pittsburg credited back consumer's $500.

36 97352384 07/02/2018 Ameritech Financial Consumer is calling on behalf of their son. Consumer reports they received a letter 

from the FTC regarding Ameritech Financial.

37 97352388 07/02/2018 Ameritech

Consumer states she got a letter in the mail stating she got a letter from Ameri- Tech. 

She got the letter on 07/02/2018. She wanted to know why she got the letter. 

Informed that they have deceptive practices.

38 97352424 07/02/2018 Ameritech

Consumer is calling saying she had received a letter from the Ftc about Ameritech and 

she has a account with them. Consumer says she wants to make a complaint against 

them.

39 97352430 07/02/2018 Ameritech Consumer states she received a letter from the FTC regarding the AMERITECH scam.

40 97352448 07/02/2018 Ameritech Financial The consumer received a letter from FTC in regards to lawsuit filed against Ameritech 

Financial. Consumer called Ameritech and line was busy.

41 97352482 07/02/2018 Ameritech The consumer reports that she has looked into them but she doesn't think that she has 

used them. The consumer reports that she did provide them with her information.

Ortiz Attachment A - 5

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 6 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

42 97352498 07/02/2018 Ameritech Financial

Consumer reports they were contacted by phone from Ameritech Financial offering to 

enroll her in a government program and lower monthly payments on their student loan. 

Consumer reports they requested for a fee. Consumer complied. Consumer doesn't 

know how much she has paid the company but initial set up was $108 a month.

43 97352515 07/02/2018 Ameritech Financial

Consumer states she had services with Ameritech about a year ago( does not have the 

exact date)and lost about $400. Consumer states she was making an automated 

payment of $100 a month from her checking account.

44 97352550 07/02/2018 Ameritech Financial

Consumer states that Ameritech has been taking money out her account monthly. 

Consumer was with the company for two years. Consumer did pay an amount with the 

company to pay off her student loan debt.

45 97352573 07/02/2018 Ameritech Financial

Consumer states she received a letter from the FTC regarding Ameritech Financial. 

Consumer states she has been paying $99 a month for the past two years making an 

automated payment from her checking account.

Ortiz Attachment A - 6

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 7 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

46 97352575 07/02/2018 Ameritech Financial

I responded to an offer to help me with my student loan debt. I got in contact with a Mr. 

SaVon Cleveland who talked about all the benefits of enrolling and how expenses 

related to helping family, having siblings, and many other costs could help qualify me 

for larger reductions to loan payments. I was given a list of documents to docusign and 

to submit. the company did not accept my tax transcripts but knew I had no access to 

the original forms submitted to the IRS but continued to email every day for the 

document. I was asked to pay up front a $100.00 enrollment fee and then I was 

charged and autodebit of $99.00 a month for the next 2 years unaware that this was a 

memebership fee and my student loan debt had remained untouched until Navient sent 

me a letter warning me I was delinquent and would soon default. When I called to 

discuss this with a rep. he attempted to look at my loan account and asked me if I 

changed my Navient password. I said ‘no’ not realizing that I had. He said he was 

unable to access my Navient informantion which made me leery and I requested to 

cancel all services and have my most recent payment refunded. I was told a manager 

could help me with that and I was transferred to a manager who explained that the 

$99/mo was for access to perks and that Ameritech still required more documents. I 

did not get a refund and he did not cancel services before the line was mystreously 

disconnected. The company now calls me evey day, no doubt to keep my business, 

but I work 23:00-07:00 and often until 15:00 so I have not yet replied. Only days prior to 

that abruptly ended telephone conversation on May 30, 2018 a Britteny Sawyer from 

Ameritech contacted me to get reauthorization for my debit account for withdrawls. I 

docsigned authorization not realizing until that converstaion days later that they were 

just taking my money and doing nothing for me. Why was it an issue now that they 

never recieved those documents, but they have no problem taking my money for 

services, perks or loan management, I never received? On June 27, 2018 the FTC 

sent me a letter briefing a pending lawsuit against Ameritech and privided 1-800-792-

8621 as a number to cancel Ameritech memberships or ask for refund. However, that 

number only has an automated Auto Services adverisement that asks you about 

household members’ age ranges. At the end of the advertisement it thanks you for 

taking the survey and disconnects.

47 97352607 07/02/2018 Ameritech Financial

Consumer has enrolled for services with Ameritech Financial in 11/18. Consumer has 

rec'd a letter in the mail wanting to assist her with her student loan forgiveness. She 

contacted company and set up a payment arrangement with the company to have her 

student loan forgiven in 10 years. They have been debiting her bank account.

Ortiz Attachment A - 7

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 8 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

48 97352608 07/02/2018 AmeriTech Financial

I first received a letter from AmeriTech Financial telling me information about how to 

consolidate my loans and how I was eligible for a Teacher Loan Forgiveness Program. 

I called and spoke with a representative and they were able to lower my current 

payments AND I would be forgiven after 5 years of payments. They also said there was 

a $800 upfront fee. Well...I made my first payment but noticed my other loan was not 

taken care of. They did not pay off my GreatLakes account so I was getting late fees 

on that account that they should have transfered over to their company. I ended up 

blocking payments to AmeriTech and told them I refused to pay them again until they 

took care of the other loan. They said they were unable to unless I set up my payments 

again. I have not paid them since and they never refunded me the payments I made to 

them.

49 97352672 07/02/2018 Ameritech

Consumer complains that Ameritech took payment from her even though they are in 

the middle of having action taken against them. She has made about 3 years of 

payments of $82/mo, but they have never made any payments towards her student 

loan.

50 97352723 07/02/2018 Ameritech

Consumer is calling to report she received a letter from the FTC stating the lawsuit 

against Ameritech, which she had been paying them $20 a month which she's paid 

them $99 for a couple of months and $800 fee before starting the services. which have 

been automatic withdrew from her bank account every month. Consumer states they 

first sent her a letter offering their services and she then contacted them.

51 97352731 07/02/2018 Ameritech Financial

Consumer answer an ad for reducing his student loan debt, consumer contacted them 

and they sent him paperwork to fill out for help with his student loans, they told 

consumer they wouold withdrawal 200 dollars a month and after a year they would 

drop the amount. Later consumer noticed the money he was paying wasnt even going 

towards his student loans.

52 97352732 07/02/2018 Ameritech Consumer states he received a letter from the FTC informing him of his student loans 

with Ameritech are fraudulent.

53 97352743 07/02/2018 Ameritech Consumer states that she received a call, and a email about updating her account with 

Ameritech. Consumer also just found out that they were deceiving people.

54 97352744 07/02/2018 Ameritech Financial

Consumer received a letter from Ameritech Financial offering to reduce his student 

loan debt. Consumer was asked to verify information regarding his student loans and 

bank account information to set up a payment plan. Consumer did comply. UPDATE: 

7/2/2018 Consumer is attempting to contact the company for a refund but is no longer 

able to reach the company. Consumer has paid approximately $580 by bank account 

debit/draft. Provided general education per tip sheets. 

Ortiz Attachment A - 8

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 9 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

55 97352755 07/02/2018 Ameritech Financial

Consumer states that she has received a letter from the FTC in regards to the current 

lawsuit against Ameritech Financial. Consumer states that on the onset of her 

membership with them she received a notice from them about loan forgiveness which 

she contacted them immediately on and began her payment plan with them for 108 

dollars a month. Consumer attempted to call the number in the FTC Letter but is 

unable to get through to anyone through the provided number. FTC Matter/File 

Number: 172 3027

56 97352780 07/02/2018 Ameritech Financial

When I initially talked to an agent I was told that they would help me reduce my 

payments and eventually qualify for loan forgiveness. The agent made me draw a line 

down the center of a blank sheet of paper. On one side was what I was currently 

paying in student loan payments on the other side was what I would pay if I joined their 

program. She told me that I would start off paying an amount of more than $128 for 8 

months and that amount would be reduced to $20 a month over the next 25 years. 

After about 2 months in the program I discovered that the initial payments were applied 

to the fee for their services and not to my student loans. I have since canceled my 

membership with Ameritech Financial. I asked if I would be getting a refund and the 

Supervisor, Renata, told me that they would be keeping the money that I had already 

paid them, and she refused to let me speak to anyone else about the matter. I am 

disappointed that I can't get have spent out hard earned money on services I could 

have done myself, but I am glad I cancelled my account before they could take any 

more of my money.

57 97352785 07/02/2018 Ameritech Financial

Consumer received a letter from FTC. Consumer states the letter was referring to the 

Ameritech Financial, (FEBC). Consumer states they are falsely claiming the consumer 

was eligible for federal programs that would permanently reduce their monthly debt 

payments to a fixed low amount or result in total loan forgiveness. Consumer states 

when she calls the company to cancel the service the phone dropped and cannot 

cancel her service. Consumer states she has lost $1200. UPDATE 7/2/18: Consumer 

was told by the CFPB that she could track her complaint online, referred to the CFPB. 

58 97352812 07/02/2018 Ameritech Financial

Consumer states he received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. Consumer states he is a customer of Ameritech Financial and 

has been trying to contact them but is unable to get a hold of them. Consumer states 

he was looking for a program that could help with his student loan payments and came 

across Ameritech Financial and called them over the phone. Consumer states they 

offered him to assist him with finding him a program that would help him maintain a low 

payment on his student loan. Consumer states they requested that he pay $100 up 

front, consumer did pay this money. Consumer states she was then told him that he 

would pay $100 a month which he has been paying up to this day.

Ortiz Attachment A - 9

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 10 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

59 97352822 07/02/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

60 97352824 07/02/2018 Ameritech

Consumer was dealing with Ameritech, for two years. She just stopped paying them 

late January early February. Consumer asked for a refund. They wouldn't give her the 

refund.

61 97352828 07/02/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial ,Financial 

Education Benefits Center . Consumer states she paid a total of $2100. Consumer 

states she was under the impression that her payments were going towards her 

student loans. Consumer states the company place forbearance on her account and 

consolidated her loan without her knowledge. Consumer received letter from FTC 

regarding the recent lawsuit that was filled against this company.UPDATE 07/02/2018: 

Consumer is calling to report that she contacted Ameritech for a refund and she was 

offered a $400. Consumer wishes to speak to supervisor regarding accepting refund. 

Transferred to supervisor. UPDATE 7/2/18 consumer was transferred to a 

supervisor. Consumer wants to know if she cashes the check, does it mean she would 

not be able to get any money back from the FTC suit. Suggested the consumer needs 

to seek private legal advice. 

Ortiz Attachment A - 10

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 11 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

62 97352888 07/02/2018 Ameritech Financial

The company is very rude and dishonest. I was contacted by a Loan Specialist named 

Jason, and he dropped my student loan from 36,000$ to 12,500$. So I agreed not 

knowing they where just going to take my money and put my loans in deferment, and 

bring my credit score down. I was asked to make a monthly payment of 84.00$ a 

month for my loan payment. Then Ameritech was also taking another 55.00$ a month 

to keep me enrolled in there program which I was not told about by my Loan specialist. 

When I called back and ask them about the additional fee I was hung up on multiple 

times and rudely talked to. Finally after me contacting them multiple times they told me 

what the other fee is for and that fee would stop after they received 800$ and that 

would be a lifetime enrollment in the program they offer to process my paperwork. 

Once they received 800$ they continued to take more money for other miscellaneous 

fees. I checked my credit report and noticed that my student loan was not going down 

any so I contacted them and they said that I had not given them all the paperwork 

necessary for them to start my application, so they can start paying off my new lowered 

student loan even though I was paying about 150$ a month for close to 2 years. So 

Ameritech sent me via email the rest of the paperwork that they needed all of a sudden 

and I had all of the paperwork filled out and returned back to them back when I was 

first contacted by them. So all this company has done is lie and take my money and 

harass me via email and phone calls. I was sent anywhere to 2-4 emails a day along 

with a minimum of 2 phone calls a week asking me why I haven't turned in my 

paperwork even though all the paperwork they needed or wanted was completed or to 

complete a survey on the representative who I talked to. Ameritech has taken a decent 

amount of money from and messed up my credit score by not doing what they said 

they were going to do.

63 97352926 07/02/2018 Ameritech Financial

Ameritech financial promised to help with documentation to get me on an affordable 

repayment program, i would pay them and they would transfer my payements towards 

and after five years since i work for a non profit organization loans would be forgiven. I 

noticed my loans were going up and none of my money was going towared my student 

load but was told that they were preparing docuemtnation and eventually my loans 

would be forgiven they never answered any of my questions about where my money 

was going and what exactly i was paying them for. UPDATE 07/02/2018: Consumer 

called to report that she called Ameritech and she was transferred to a supervisor and 

she was told she cannot receive a refund. 

64 97352933 07/02/2018 Ameritech Finan The consumer has a complaint against a debt management company, Ameritech 

Financial. They have paid money, but not applied to her loan.

Ortiz Attachment A - 11

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 12 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

65 97352967 07/02/2018 Ameritech Financial

In or about 2016, I received an official government looking letter from a company 

named Ameritech Financial. I called the number listed on the letter because I was 

interested in student loan debt forgiveness and reduction. I spoke to an Ameritech 

representative by the name of Amy. She stay on the line with me for a while answering 

my questions. She stated that she herself was involved in the loan forgiveness 

program. I asked if Ameritech was a member of BBB and she stated yes and gave me 

several websites and affirmations to attest to the quality of the program. During this 

conversation, I was told that my loan would be forgiven within 10 years of my start date 

of the program. It would cost me $200 per month for a year and then they would drop 

it down to $100 after the first year. This included their process fee and the rest was 

paid toward my student loan. I was told that they would contact my student loan 

service provider to pay them - I would not have to do anything. I later found out that I 

would have to pay Nelnet, my student loan provider an extra $50 per month. I called 

Ameritech and told them that was not what was told to me. It is now going on 3 years 

that I have been paying money to Ameritech. Subsequently, it wasnt until I received 

the letter from the Federal Trade Commission that I realized that my student loans 

have not decreased, but instead increased. I trusted, based on a promise, that in 10 

years my student loan debt would be forgiven if I joined this program. The 

representative stated that loan reduction and forgiveness program is part of the federal 

government and it is law. She stated that people just dont know about it. Every year, 

my repayment program status must be recertified with Nelnet. I am told not to do 

anything because they (Ameritech) takes care of it for me. This action made me 

further believe that they were legit. I feel that this is a violation because I was told and 

believed that Ameritech was paying toward reducing my student loan within 10 years. I 

have tried to call this company several times and have been put on hold. After holding, 

I get a busy signal. After looking at my student loan statement, it has increased! I 

now owe more money and interest to student loans because of Ameritech's deception. 

Please help me with this situation.

66 97352996 07/02/2018 Ameritech Financial

Consumer reports they received a call from Ameritech Financial offering to lower their 

student loan debt. Consumer reports they requested for a fee every month for $82. 

Consumer reports they promised a total loan forgiveness after a few months. 

Consumer complied. UPDATE 07/02/2018 Consumer states she needed to add 

information. UPDATE 07/02/2018 Consumer contacted Ameritech to ask 

for a refund but Ameritech only wants to refund consumer 400 dollars. Consumer 

states Ameritech notified her that they had sued the FTC and the FTC sued back. 

Ortiz Attachment A - 12

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 13 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

67 97353003 07/02/2018 Ameritech Financial

Consumer received a letter from FTC. Consumer states the letter was referring to the 

Ameritech Financial, Financial Education Benefits Center (FEBC). Consumer states 

they are falsely claiming the consumer was eligible for federal programs that would 

permanently reduce their monthly debt payments to a fixed low amount or result in total 

loan forgiveness. Consumer states she has lost $1056.

68 97353009 07/02/2018 Ameritech Consumer states she received a letter in regards to Ameritech and student loans not 

really being paid.

69 97353014 07/02/2018 AmeriTech Financial

I recieved a letter from the FTC about the deceptive practices of AmeriTech Financial, 

and was not aware I could have been getting the same services for free! I call the 

company, requested a refund and to cancel my membership, and recieved push back. 

I have paid a total of $2,764, and was told I can only have $552 in refund. I had no clue 

I could have these services for free, and was under the impression they were "fighting" 

for me to have a cheaper payment. This company is preying on people that want to pay 

back what he or she owes to the government for personal gains, and we all should 

recieve the total amount paid. UPDATE: 07/02/2018 Consumer called to add info. 

Consumer states that she paid 179/mo. but was brought down to 99/mo. this year. 

70 97353042 07/02/2018 Ameritech Financial

Consumer is calling because he has been paying Ameritech Financial a monthly fee to 

help him with his federal student loans. Consumer states that he has been paying $173 

a month for a year the company then lowered his monthly fee to $99.

71 97353056 07/02/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial ,Financial 

Education Benefits Center . Consumer states she paid a total of $2000. Consumer 

states she was under the impression that her payments were going towards her 

student loans. Consumer received letter from FTC regarding the recent lawsuit that 

was filled against this company.

72 97353075 07/02/2018 Ameritech

Consumer is calling to report that she was contacted by Ameritech offering to 

consolidate her student loans. Consumer was asked to pay $158 a month. Consumer 

has paid $948.

73 97353098 07/02/2018 Ameritech

Consumer got a letter from an FTC about Ameritech. Consumer paid $2586 to 

Ameritech from her Banking Company account. Consumer thought 

Ameritech was ok and didn't see this coming.UPDATE 07/02/2018: Consumer is 

calling to report that she is having issues getting in touch with the company. 

74 97353107 07/02/2018 Ameritech Loan Services

Consumer received an email from Ameritech Loan Services offering to help the 

consumer reduce/consolidate their student loans. Consumer complains pays 

$108/month for the services and has spent approximately $2,600 total, paid through 

bank debit. Consumer reports their loan is not being reduced and has actually 

increased. Consumer has attempted to cancel their agreement and receive a refund 

but they are no longer able to reach the company.

Ortiz Attachment A - 13

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 14 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

75 97353115 07/02/2018 Ameritech

Consumer is calling because she received a letter from the FTC, concerning her 

account with Ameritech. The consumer began an account with Ameritech in October of 

2017. They called the consumer and offered to help pay off her student loans by 

sending them a monthly payment of 82 dollars. The consumer complied. The 

consumer has sent them around 750 dollars at this point via automatic bank transfer. 

The consumer tried to contact them after receiving the letter from us but has not gotten 

any response. UPDATE: 07/02/2018 Consumer states that there keeping her money 

and its not going to pay off her loans. 

76 97353143 07/02/2018 Ameritech

Consumer states he got a letter in the mail from Ameritech on 07/02/2018. He signed 

up with them on 06/01/2015. He pays 99 a month. He is trying to get his refund but 

they leave him on hold and then hang up.

77 97353160 07/02/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial ,Financial 

Education Benefits Center . Consumer states she paid a total of $2600. Consumer 

received letter from FTC regarding the recent lawsuit that was filled against this 

company. Consumer states she contacted the company and was unable to get in touch 

with anyone at Ameritech.

78 97353176 07/02/2018 Ameritech Financial

Consumer got a letter from the FTC about Ameritech Financial acct# . 

Consumer had a bank draft on her Bank for $82/month. 

Consumer has not yet contacted Ameritech Financial .

79 97353202 07/02/2018 Ameritech Consumer states that she got a letter from us for Ameritech. She signed up with them 

in 10/2016 and they are asking for paperwork and trying to defer her student loans. 

Her payments are auto drafted from her bank account. she pays 100 a month.

80 97353209 07/02/2018 Ameritech Consumer reports she has made 2 payments to Ameritech and has not received the 

service they offered.

81 97353214 07/02/2018 Ameritech Financial

Consumer received a letter from the FTC about the Ameritech Financial student loan 

forgiveness program. Consumer received a letter in the mail. Consumer paid them 

every month. Consumer doesn't remember how much she sent to them but she said 

about a $1000 out of her bank account.

82 97353231 07/02/2018 Ameritech Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. 

She has sent them approximately $3000 and they have not paid any student loans.

83 97353241 07/02/2018 Ameritech Financial

Consumer states that he had received a letter from Ameritech Financial stating that the 

FTC had sued Ameritech for deceptive practices. consumer states that he has made 

payment each month.

Ortiz Attachment A - 14

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 15 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

84 97353259 07/02/2018 Ameritech

Consumer called to report that he received a letter from the FTC regarding the case 

against Ameritech. Consumer states that he would receive multiple calls from 

Ameritech to his cell phone. Consumer states that he was promised that the money 

and payments were going to go towards his student loans. Consumer states that he 

has been making payment through his bank card of 88 dollars a month since March of 

2018. Consumer has paid a total of 264 dollars.

85 97353304 07/02/2018 Ameritech Financial

Consumer reports she received a letter from Ameritech Financial offering to lower her 

student loan payments. She reached out to them and provided all her information to 

them. She was told not to communicate with her student loan servicer. They have been 

debiting her account each month for $132. - Consumer requested additional fulfillment.

86 97358029 07/02/2018 Ameritech

Consumer is calling to report that she received a letter in the mail from Ameritech and 

the consumer contacted them for the services to help consolidate her student loans. 

Consumer was asked to pay $99 a month. Consumer states that she has paid $1400 

so far. Additional Email costumer.service@ameritechfinancial.com.

87 97358036 07/02/2018 Ameritech Financial

Consumer has received a letter in the mail from the FTC in regards to the Ameritech 

Financial. Consumer has a membership with Ameritech and has paid them a total 

amount of 924 dollars. Consumer received a phone call from them to solicit there 

membership programs. Consumer signed up in December and made first payment in 

January Consumer was told she had to do a 10 year contract with them.

88 97358053 07/02/2018 Ameritech Consumer reports he was contacted by Ameritech offering to lower the interest rates 

on his student loans. Consumer states he has been paying them for over 4yrs.

89 97358057 07/02/2018 Ameritech Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. 

She has sent them approximately $424 and they have not paid any student loans.

90 97358067 07/02/2018 Ameritech

Consumer states he received a letter from the FTC in regards to the Ameritech 

Scheme. Consumer states he stopped payment a year ago because he felt something 

wasn't right.

91 97358088 07/02/2018 Ameritech Financial

Consumer reports she received a letter from Ameritech Financial offering to lower her 

student loan payments. She reached out to them and provided all her information to 

them. She was told not to communicate with her student loan servicer. They have been 

debiting her account each month for $207 for 15 months. Then the payments went 

down to $99 for an additional 15 months approximately. Then she cancelled their 

membership.

92 97358092 07/02/2018 Ameritech ameritech told to $99 a month and they pay off my student in 20 years

93 97358118 07/02/2018 Ameritech Consumer states he was paying Ameritech $100 for 15 months.

94 97358143 07/02/2018 Ameritech Consumer states she received a letter concerning Ameritech.

Ortiz Attachment A - 15

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 16 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

95 97358144 07/02/2018 Ameritech

The consumer reports that she received her letter from Ameritech Financial. The 

consumer reports she signed up for them back in early 2016. The consumer reports 

that she has sent them at least a minimum of $2500.

96 97358149 07/02/2018 Ameritech Financial

I was contacted by Ameritech via the phone about student loan forgiveness, and also 

received mail (letters are gone by the way), and since I was desperate to get about 

$80k to be forgiven, and me not knowing much about student loan fogiveness, I took 

up their offer. I can't remember the exact offer stated, but I have notes written down. 

They said the total I would have to pay in the long run would be about $28,500 once 

everything was done, and I had to pay $108 a month; your survey wasn't really that 

specific so I said $108 ever since February of 2017. So doing the math, I have given 

them $1728, plus an additional $108 if I do not cancel immediately. Knowing that this 

was the amount I paid and was lied to, I am VERY pissed off and concerned, because 

if I do not get some genuine student loan forgiveness that helps me, I might actually 

die from panic alone. I provided information regarding one of the employees and am 

willing to submit any and all emails received by the company. All loans were for Temple 

University by the way. I am now regretting going to college. Other-Other Update

97 97358158 07/02/2018 AMERITECH FINANCIAL

On 7/2/18, I received a letter in the mail dated 6/27/2018 from the UNITED STATES 

OF AMERICA FEDERAL TRADE COMMISSION INDICATING THAT THE TRADE 

COMMISSION HAS SUED THE AMERITECH COMPANY FOR DECEPTIVE 

PRACTICES. THE LETTER IS STATING THAT THIS COMPANY HAS NOT BEEN 

PAYING MY STUDENT LOANS AND THEY HAVE COLLECTED FEES FROM ME 

THAT THEY SHOULD NOT HAVE. THIS HAS BEEN GOING ON SINCE LATE 2016. I 

NEED TO HAVE THIS MATTER RESOLVED ASAP AND WANT TO KNOW WHAT IS 

THE NEXT STEP I SHOULD TAKE REGARDING THIS MATTER? THANK YOU IN 

ADVANCE.

98 97358174 07/02/2018 Ameritech|FEBC

Consumer received a letter from Ameritech in 2014 offering a debt counseling service. 

Consumer contacted the company in April of 2018, inquiring if they were still offering 

the service. They informed her that they were still in business and they began taking a 

monthly payment of 102 a month via direct bank transfer. Consumer received the letter 

from the FTC regarding the issue on 07/02/2018.

99 97358181 07/02/2018 Ameritech Financial

Consumer states that she got a letter from us for the Ameritech Financial. She has 

paid them 108 monthly for the last 2 years. She had no idea that they were not paying 

her loans. She states that they were going to get her on a repayment program and 

later her loans would be forgiven.

Ortiz Attachment A - 16

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 17 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

100 97358218 07/02/2018 Ameritech

Consumer called to report that she received a letter from the FTC regarding Ameritech. 

Consumer states that she was promised to lower her Student Loans. Consumer was 

asked to make the first 6 payments for 200 dollars a month and the rest for 100 dollars 

a month. Consumer has made payments since 2015 totaling 3800 dollars paid.

101 97358221 07/02/2018 Ameritech Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. 

She has sent them approximately $1000 and they have not paid any student loans.

102 97358223 07/02/2018 Ameritech|AFB Center

Consumer received mail from Ameritech offering to consolidate their student loan debt 

and enroll them in a loan forgiveness program. Consumer paid a total of $4,323 by 

bank debit that was to be sent to their servicer. Consumer recently confirmed no 

payments had been made to their servicer since 2015. Provided education per tip 

sheet including FTC.gov.

103 97358236 07/02/2018 Ameritech Financial

Consumer reported that she recieved a letter from the FTC stating there was a law suit 

against Ameritech Financial and suggested consumer to call and file a complaint. 

Consumer states that in 2015 Ameritech sent her a letter offering their services. 

Consumer contacted them and set up payment plans with the company. Consumer 

states she has paid them 4,800 total.

104 97358247 07/02/2018 Ameritech Financial

Consumer states he filled out an online application for Ameritech Finincial, they then 

contacted consumer to set up payment. Consumer started off paying 173 dollars a 

month and got it down to 67 dollars. Consumer contacted Ameritech and talked to 

them once and now they wont anser him.

105 97358259 07/02/2018 Ameritech

Consumer states she received a letter from Ameritech regards to her student loan 

forgiveness, consumer states she was paying them $120 a month since august of 

23017, consumer states how she can get her money back.

106 97358272 07/02/2018 Ameritech

Consumer is calling to report that she was contacted by Ameritech offering to 

consolidate her student loans. Consumer was asked to pay $108 a month. Consumer 

has paid $972 so far.

107 97358275 07/02/2018 Ameritech Financial

Consumer reported that her and her mother recieved a letter from the FTC stating 

there was a law suit against Ameritech Financial and suggested consumer to call and 

file a complaint. Consumer states that in 2015 Ameritech sent her and her mother a 

letter offering their services. Consumer contacted them and set up payment plans with 

the company. Consumer states her mother has paid 5,000 total.

108 97358309 07/02/2018 Ameritech Financial Consumer reports they received a call from Ameritech Financial offering to lower their 

monthly payment and student loan forgiveness. Consumer reports they requested for a 

fee. Consumer complied. Consumer reports they did not get what they were promised.

Ortiz Attachment A - 17

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 18 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

109 97358321 07/02/2018 Ameritech Financial

I was contacted by Ameritech Financial when I was obtaining information regarding 

reducing the amount of money that I owed on federal school loans. I was under the 

impression that I qualified for a Loan Forgiveness Program because of me being in 

public service as a registered nurse. The Obama admistration came up with this debt 

relief program for people that were in the public service field, I was told. I was to pay a 

certain amount for ten years and the Federal Loan would be felieved from me after 

completeing payments for 10 years. The payment plan was based on my W-2's each 

year. The amount that has been taken from my bank account is roughly $3100.00.

110 97358323 07/02/2018 Ameritech

Consumer reports that he got a letter from FTC concerning the Ameritech lawsuit. He 

has sent them approximately $3500 and they have not paid any student loans. 

UPDATE 07-02-2018 Consumer is calling to report that he contacted Ameritech to get 

a refund and was told that they cannot give him a refund because he cancelled his 

membership. 

111 97358339 07/02/2018 Ameritech

Consumer is calling to report that she was contacted with a letter in the mail by 

Ameritech offering their services to consolidate student loans. Consumer contacted 

them and set up payment plans with the company. Consumer states that she has paid 

$1800 total.

112 97358375 07/02/2018 Ameritech Financial

Consumer states he recieved a letter from the FTC regarding the Ameritech Financial. 

Consumer states that a year ago he started business with the agency. Consumer 

states he has paid the agency 2,025 dollars in a year.

113 97358383 07/02/2018 Ameritech Financial

Consumer calling to report that she got a letter regarding the FTC about the lawsuit 

against the Ameritech Financial. Consumer does not remember how much money she 

sent. Consumer said she will call us back and give us that information. Consumer paid 

by giving them her bank account.

114 97358388 07/02/2018 Ameritech

Consumer states that he was part of the Ameritech Financial scam and wanted to 

make a report. Consumer states that they also had told him they had him down for 4 

dependents on his home in which he does not have.

115 97358396 07/02/2018 Ameritech

The consumer reports that she received a letter regarding Ameritech VS FTC. The 

consumer reports she has been sending them money over the course of the past 2-3 

years. The consumer reports they contacted her by email offering their service.

116 97358434 07/02/2018 Ameritech Financial

Consumer reported that he was going through Ameritech Financial as his loan 

forgiveness company. Consumer states Ameritech sent him a letter about their 

services so he contacted back. Consumer states he has been paying 80 dollars a 

month for 12 months equaling 960 dollars.

117 97358441 07/02/2018 Ameritech Financial

Consumer is calling because she received a letter regarding a notice of a lawsuit 

against Ameritech Financial. Consumer states that Ameritech Financial contacted her 

about helping her with her student loan debt. Consumer set up a account with the 

company but did not pay any money.

Ortiz Attachment A - 18

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 19 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

118 97358454 07/02/2018 Ameritech Financial 

I was looking into better ways to pay back my student loans, called Ameritech to get 

some information and spoke to a representative about the process and options. Gave 

them income info and they said they would take over my loans at Navient in which I 

pay them as a third party and they pay Navient directly. They said my payment would 

go direclty to my principle and there would be no interest anymore. Following the 

phone call I received several emails. Some with attachments in which i had to print and 

fill out and fax back to them. All my personal information - social birthday and bank 

account information. After all that was taken care I would receive a montly email and 

text message informing me of my upcoming payment that would come out of my bank 

account on the 9th of every month - $108, in which it did. This process started in Oct 

2017. First withdrawl was Nov 9th 2017 and would show as RAM PMT. I received a 

letter today from FTC and confirmed by calling Navient today asking if any payment 

was made on my behalf from Ameritech Financial since Nov 2017 and they said NO, 

No payment has been received from this company. Other-Other Update

119 97358458 07/02/2018 Ameritech

Consumer is calling to report he received a letter from the FTC v. Ameritech Financial 

and is calling to make a complain since he has been having issues with them for about 

a year and a half now. Consumer states they first sent him a flyer stating they could 

help him pay and consolidate his student loans and is paying $99 a month and paid a 

$800 fee to get services started. Consumer stated he would call back with more 

accurate info. UPDATE 7.2.2018: Consumer called because he received FTC letter - 

and to report that he has called Ameritech several times, but each time he was put on 

hold and then disconnected. 

120 97358462 07/02/2018 Ameritech Consumer states she received a letter from Ameritech, signed up to it and paid $82 

dollars for 3 years straight but none of the money is going into her student loan.

121 97358467 07/02/2018 Ameritech Consumer is calling saying he had received a letter from the ftc about Ameritech. 

Consumer says he wants to file a complaint against.

Ortiz Attachment A - 19

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 20 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

122 97358471 07/02/2018 AmeriTech Financial 

I was being contacted by Ameritech by mail and by phone for months. I finally wanted 

to start repaying my student loans, i spoke to a rep, she told me the company work 

reducing the payments for federal students loans. I started making payments to them 

in Feb 2016 for 275.xx can’t remember the exact amount. In August i started to recieve 

calls from Naviant saying i was behind and i needed to make a payment. I called 

Ameritech right away ask them what were they doing with my payments. I had to go to 

my bank and put a stop payment to that transaction. They called me multiple times 

asking i was going to be sent to collection. At that point i was getting calls from Navient 

and AmeriTech. At last i spoke to Navient they explained to me that what ameritech 

was doing i could have done it myself. I called ameritech to get my money back but a 

supervisor told me that the money i paid them was for their service provited. I paid from 

February through September in 2016.

123 97358507 07/02/2018 Ameritech

Consumer states she received a letter from the FTC about Ameritech Financial 

Consumer states she had began to pay them monthly for student loan forgiveness for 

$132 a month, which she found out that no payment was going to her student loans. 

consumer wants to know how she can retrieve her money.

124 97358542 07/02/2018 Ameritech Financial

Consumer states that he received a letter from the FTC in regards to the suit against 

Ameritech. Consumer began membership with them in Feb 2017 for 82/mo. and 

42/mo. Consumer has not been able to cancel his membership with them to this point. 

Consumer

125 97358553 07/02/2018 Ameritech Consumer is calling saying she had received a letter from the ftc about Ameritech. 

Consumer says she wants to file a complaint against them.

126 97358560 07/02/2018 Ameritech Financial Consumer reports they received a letter in the mail from Ameritech Financial offering to 

consolidate their student loan debt. Consumer reports they requested $99 for 12 

months. Consumer complied but the payments did not go towards the loan.

Ortiz Attachment A - 20

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 21 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

127 97358573 07/02/2018 Ameritech Financial

I contacted Ameritech Financial via website due to ad about Income Driven Repayment 

and Loan Forgiveness program. I spoke with a representative that told me about the 

program through their company. I was told that after three payments of $407.00, to 

cover their fees and services, my payments of $99.00 per would go towards paying my 

student loans. They said that $1221 of payments would cover filing the necessary 

paperwork to get the Income Driven Plan filed and approved. I have paid $1221 too 

cover fees and $1188 in monthly fees that I was told was going towards my student 

loans. They just contacted me over the last couple of weeks requesting updated 

information since the process of filing must be done yearly. After speaking with them, I 

called my loan company to find out that the loan company has not received any 

payments from Ameritech Financial. I received a letter from the Federal Trade 

Commission today, 07/02/2018, advising me of the ongoing lawsuit. I tried to contact 

Ameritech Financial today at 6:00 PM EDT to cancel my membership and for a refund 

but was only able to reach an answering service. I plan to call again tomorrow to see if 

I am able to reach someone to cancel. Other-Other Update

128 97358589 07/02/2018 Ameritech

Consumer is calling saying she had received a letter from the FTC talking about 

Ameritech. Consumer says she wants to file a complaint against Ameritech. Consumer 

says she had tried to call and cancel but is not able to.

129 97358638 07/02/2018 Ameritech Consumer states that she was part of the Ameritech Financial scam. Consumer had 

been in contact with them over a year now.

130 97358641 07/02/2018 Ameritech Financial

Consumer states she received a letter from the FTC regarding a lawsuit against 

Ameritech Financial and would like to file a complaint. Consumer states she received a 

letter from Ameritech Financial offering her to help with pay off her student loans. 

Consumer states she called them and was told that they could help her with paying off 

her student loans. Consumer states they requested that she pay $100 up front, 

consumer did pay this money. Consumer states she was then told that she would pay 

$108 a month for 36 months. Consumer states she paid this money as well. Consumer 

states she then became suspicious because she realized that after making her 

monthly payments, her credit score was not going up and asked them to cancel her 

membership which they did.

131 97358662 07/02/2018 Ameritech

Consumer states she received a letter from the FTC about Ameritech Financial 

Consumer states she had began to pay them monthly for student loan forgiveness, 

Consumer states she paid an initiated fee of $1000 and for the first 10 months in 

01/01/2016 for $210 and for the following year of 10/01/2016-present she has paid 

$99, which she found out that no payment was going towards her student loans. 

consumer wants to know how she can retrieve her money.

Ortiz Attachment A - 21

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 22 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

132 97358669 07/02/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial . Consumer states 

she paid a total of $1200. Consumer received letter from FTC regarding the recent 

lawsuit that was filled against this company.

133 97358671 07/02/2018 Ameritech

Consumer is calling to report that she was contacted with a letter in the mail by 

Ameritech offering their services to consolidate student loans. Consumer contacted 

them and set up payment plans with the company. Consumer states that she has paid 

$3924 total.

134 97358674 07/02/2018 Ameritech Finacial Consumer states that he was part of the Ameritech Finacial scams. Consumer also 

states that when he calls them nobody answers.

135 97358713 07/02/2018 Ameritech Consumer states he was paying to AMERITECH $180 every month for 2 years.

136 97358743 07/02/2018 Ameritech

Consumer called to report that he received a letter from the FTC regarding Ameritech. 

Consumer states that he was promised to lower his student loans. Consumer has paid 

a total of around 2592 dollars since 11/02/2018. Consumers case number with 

Ameritech is . Consumer wanted to report that Ameritech never had any 

statements with the Department of Education.

137 97358764 07/02/2018 Ameritech financial i have been paying ameritech thinking im paying towards my student loans but nothing 

is being applied to student loans

138 97358789 07/02/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial. Consumer states 

he paid a total between $2-3,000. Consumer received letter from FTC regarding the 

recent lawsuit that was filled against this company.

139 97358838 07/02/2018 AmeriTech Financial

To start, despite my being on the do not call list, Ameritech financial called me in the 

first place. They were rude and impatient over the phone and would not give me proper 

answers. They have hounded me from the beginning, which was back in September 

2017, and would never respond to my emails, despite my saying that was my preferred 

method of contact. They would not leave me a voicemail when they called me, either. 

They required all my login information for my student loans. every time I spoke with 

somebody over the phone, they would be very evasive and condescending, and they 

would avoid questions, and also not be very polite, even the supervisors. I had tried to 

cancel previously. I had repeatedly tried to contact them. The whole process has been 

difficult at best. and they have done absolutely nothing for me but take my money and 

succeed in getting my loans even higher with interest. I strongly believe that the very 

least they owe me is paying back what I’ve paid them, ($864), if not even more.

Ortiz Attachment A - 22

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 23 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

140 97358862 07/02/2018 AmeriTech Financial

I am extremely furious!! I truly thought this was a legitimate company offering 

assistance to help me pay a debt. They come across as very caring assuring to help 

ease the pain of having to pay for getting an education They have been taking $75.00 a 

month from me for the past 2years!!! All contact has been done via emails or phone. 

I did save the majority of the emails. Please punish if possible to the fullest extent. I 

need ALL of my money back. There have also been other companies calling my cell 

phone regarding paying student debt but I have been turning them down stating Im 

already enrolled in a program. The other guy in the same company who 

emailed me is named Diego Lopez , Customer Service Representative. The company 

fax number is 866-818-9026. I really hate the thought that this has happened to 

thousands of people who thought they were helped only to find out they've been lied to 

and robbed. I truly hope the FTC is able to prosecute these people and the many 

more that are out preying on people only to feed their lust for profit soulless selves. 

Other-Other Update

141 97358880 07/02/2018 Ameritech Financial

In 2016, I received a postcard-sized mailer promising to reduce my students loans 

substantially. I went to their website, which include testimonials, and steps for how I 

could reduce my student loans. I called the 800 number a few days later. The person I 

spoke with said I had to make an initial payment upfront of about $800, which would 

cover processing fees. I filled out paperwork (which I have all copies of and email 

correspondence between now and March 2016) describing my family size. They said 

there was no requirement regarding dependents or family size. I could put whatever I 

want. After the initial payment, I paid approximately $200 per month, which I was told 

was going directly to my student loan payments. I noticed that nothing was being put 

into my student loan payment. I called many times and they said that payments were 

being made. Other-Other Update

142 97358887 07/02/2018 AmeriTech Financial

I was led to believe that AmeriTech Financial was putting my monthly payments 

towards my student loan. I have just been informed that is not true, that Ameri Tech 

Financial does not make any payments on behalf of my student loan. I wish to cancel 

my membership with them and to have all of my money refuned to me so that I may 

use my money to benefit my needs. Have others in a situation similar to mine had their 

money refunded to them? All I'm asking for is what I am owed. Other-Other Update

Ortiz Attachment A - 23

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 24 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

143 97358889 07/02/2018 Ameritech Financial

I spoke with the representative after I received the pink letter in the mail that said 

ATTENTION (As if it was a final and important notice). We calculated a payment plan 

over a 22 month period after they explained that as long as I made that montly 

payment on for 22 months, then all of my remining balance would be forgiven. I was 

told to pay $82 a month. Plus I just found out that there was two student loans taken 

out on my behave, totaling $54,000 from a local community college that I haven't 

attended since 2011. The funds were disbursed 4/24/2017. Only one month after I 

gave Ameritech Financial all of my information.TOPIC:Referrals

144 97358919 07/02/2018 Ameritech

I received a letter from Ameritech stating they could lower my student loans by 

qualifying me for the William Ford Act Program put into place in 2005. I spoke with 

Janet Fletcher (Customer Service) 707-244-3000. She and I were on the phone for 

almost 1.5 hrs. We went over my student loan debt and we discussed how my 

payments would be reduced monthly with an upfront processing fee. First month $352, 

then $332 for three months & a payment of $99 after that.I would have to re-new every 

year. In our conversation & filling out the IDR she encouraged me to claim 8+ 

dependents. It is only my husband and myself in this household. I qualified for IDR. I 

had to fax all my w2's to Jimmy Juarez (finiacial Adivisor) fax # 866-818-9026. Mr. 

Juarez assured that I would be saving almost $25,000 in student loan forgiveness, plus 

shorter payout time. He and I spoke on 3/27/2017. I noticed on my credit report that my 

student loan debt hasn't decreased but has increased. I spoke to Mr. Juarez in March, 

he again assured that this Income driven payment plan shows no decreaese but it will. 

It's the beginning stages of re-paymet processTOPIC:Referrals

Ortiz Attachment A - 24

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 25 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

145 97358987 07/02/2018 AmeriTech Financial 

I was contacted by AmeriTech Financial via telephone on 1/23/2017 to help with my 

student loans. They made it seem like they were going to help reduce my student loan 

payments and eventually obtain student loan forgiveness. Everything went very 

smoothly and we came to an agreement of me paying $108.00 towards my student 

loan forgiveness. They told me I would not have to worry about contacting FedLoan 

anymore because they would handle all of it for me. Felt like I was finally getting a 

break on my loan. As the months have gone by, I noticed that my FedLoan account 

was not changing, except for the interest was accruing. My payment always showed 

$0, so I thought it was all part of the process. Eventually I contacted AmeriTech again 

about the payments and where the money was going to. They told me it was going 

towards programs that I was not familiar with, but that it was all part of the process. So, 

I decided to let it continue. When I changed my job, from a substitute teacher to a fulltime chemical operator, I received an email stating that I had missing information and 

that I needed to update my information. I followed the steps and came to find out that 

my job did not meet the qualifications because I was no longer in the "public 

service loan forgiviness." It was a confusing time because I asked if I needed to 

contact FedLoan and try to set up a payment plan with them. The customer service 

representative said "That just means that instead having your loans be forgiven 

after 10 years, your loans would be forgiven after 25 years and you would have to 

make 300 qualifying payments towards loan forgiveness." Yet again I was 

pursuaded to stick with them. I continued with the company because I felt that they had 

a good review on the internet, seemed to know what they were doing while talking to 

them via email, and kept claiming that I was making "payments" towards 

my student loan forgivenss. On July 2nd, today, I received a letter from the Federal 

Trade Commission stating that they were suing Ameritech Financial for deceptive 

practices. I feel very upset at this time because I don't know what I am going to do 

about all of the interest that has accrued on my student loan account and the time I lost 

towards paying off my loan. I am afraid that I have lost my chance to get ahead on my 

loan, or even make a repayment agreement with them. Other-Other Update

Ortiz Attachment A - 25

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 26 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

146 97364500 07/02/2018 Ameritech

I trusted Ameritech to help me lower my student loans, I gave all of my information 

even my SSI number in order to be verified. I was paying them through my saving 

account. I saw on my credit account that the Navient loans were transferred to 

Fedloan. I dont know how they actually closed all my accounts and had it transferred. I 

don't know what to do now because I am currently working a temp job that doesn't pay 

much and paying the low amount and maybe some more if I had it was good for me. 

Maryam from Ameritech came off as very caring and trying to help me but when I kept 

calling her to check up on certain issues I had because I really didn't see my student 

loan go down. I wanted to ask her why but all of a sudden she was on vacation. I did 

stop getting the emails and calls from fedloan so that lead me to believe that they were 

being paid. She claimed that within 36 months I would have paid down half of my loans 

and that they could possibly help me get forgiveness due to my hardships with finding 

work permanently. She took down my name SSI birthday and how much I owed in 

student loans. After that November of 2017, I didn't hear from her anymore. I would 

just get emails or threating calls if I was late even a day with my payment. Please help 

me resolve this because the number that is on the paper is now disconnected (1800-

792-8621) so i cannot ask for a refund and to be honest I just want my student loans to 

be paid and done with. It is the main thing that is holding me back from everything.

147 97364533 07/02/2018 Ameritech Financial

Ameritech Financial sent personalized mail to my home falsely claiming they were 

eligible for federal programs that would permanently reduce my monthly debt payments 

to a fixed low amount or result in total loan forgiveness. The defendants allegedly 

charged up to $800 in illegal up-front fees, purportedly to enroll consumers in a federal 

loan assistance program. They also charged a $1300 advance fee for enrollment in a 

“financial education” program and an additional monthly $99 membership fee for the 

life of the loan (since February 2017), which typically is 10-25 years. i was tricked into 

believing my monthly payments were going toward paying down my student loans. 

Although I was sending money to the Ameritech Financial, none of those payments 

went toward paying off my student loans, and in some instances my loan balances 

instead have accrued interest. The would like a refund for this fraud and to get my 

student loans account back on track.

Ortiz Attachment A - 26

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 27 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

148 97364567 07/02/2018 AmeriTech Financial

I contacted Ameritech Financial personally thinking it was a trust worthy source to 

repay back my student loans. I had already been scammed by another company and 

hoped this would be different. After I graduated from college, I could not find a job in 

the feild I studied for. Unfortunately, I've never been able to find a job in my feild since 

graduating in 2014. The school I went to was also a scam. It's very disheartening to 

have to go through this tine and time again when all I'm trying to do is be debt free. I 

was enrolled into a repayment plan for $88 dollars a month. The money was being 

pulled out of my secondary account every month since 07/26/2017. I was told that once 

August 2018 hits, I would only be paying $20 a month. Now, I feel kind of hopeless and 

unsure of how i'm going to move on from this. I thought I was helping my debt, but all 

I've been doing is creating more of it. I feel violated.

Ortiz Attachment A - 27

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 28 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

149 97364606 07/02/2018 Ameritech Financial

I received a phone call from this company called Ameritech and they said they could 

help me pay back my student loan then they sent me some information via email and 

also mail. I spoke with a representatie and they said it was on behalf of my student.gov 

loan providers that they will be able to pay my loans off so I said ok and I gave them all 

my financial information for about 1 year I paid around $4,000 and then found it to be 

suspicious a few months down the road when I called up the actual student.gov loan 

place with them telling me they have not received any payments at all. So I tried taking 

my account back but Ameritech representatives had my passwod and kept taking it 

back from me until I had to create a new password and when I went into the actual 

loan from the student.gov loan place I noticed all of my information was altered with me 

being married and having children etc. Which I am not. The Americtech representative 

changed all the information without me even knowing it. I also started calling and 

asking questions and would be put on 20min holds then hung up on and finally I got 

through a representative and they said no we never said we were going to pay your 

student loan off then I told him why in the world would I then be paying you all these 

thousands of dollars over these months if 0 have gone into my loan. So not only did 

Ameritech falsify all my credientials on the website with my password they also kept 

trying to change my account on multiple occasiosn since they had my social they would 

call in pretending to be me and change it and finally I put a block phrase on it and after 

4 times of this happening it stopped and i"m still getting emails I need to pay them. I 

just received one a few days ago saying my paymetn is due when I have not had 

interaction with them for over a year and a half. So I had around $4000 stolen from me 

with a promise that I would have my student loan paid off and not a cent went towards 

it and at teh same time all my credentials were being falsified and I got kicked out of 

my own governmnt loan a few times before I could finally regain access to it. Very Very 

frustrating becuase it was theft and I lost all my money I put into it. I don't recall if it was 

350 or $450 I had to pay a month for the loan, sometime has passed by already and 

when I actually made contact with the student.gov loan place they told me no such 

company existed that helps pay student loans.

150 97364631 07/02/2018 Ameritech Financial

Ameritech Financial has been defrauding me by taking money out of my account and 

not applying it to my loans which was the agreement that was discussed payments 

through Ram Reliant Account Management has been withdrawing money from my 

account since September, 2017.

Ortiz Attachment A - 28

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 29 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

151 97364649 07/02/2018 AmeriTech Financial

they contacted me by mail and phone advising i would have my loan forgiven in 10 

yeads after paying $200 a month (half to them and half to greatlakes) my payments 

went up adter the first yead and they continued to call and try to get more money. i 

logged into my greatlakes and saw that there is no progress made on my loans. so i 

finally cancelled it in May 2018. they called and emailed me so many times after. i had 

to go in and change all my passwords. ive sonce found out j can do an income driven 

program that basically is what they were offering. They definitely took advantage of a 

young graduate with debt. very pushy and misleading. i would NOT recommend this to 

anyone. there is no point in using this service. i wasted over $2600 in two years with 

them.

152 97378160 07/02/2018 Ameritech Financial|Ameritech 

Financial|Ashford University

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I received numerous letters in regards to student 

loan forgiveness, and I decided to call. When I had contacted Ameritech in regards to 

paying on my student loans Dan Hamilton a representative of Ameritech went over my 

student loans and interest rates. He stated, my total amount from my Federal loans is 

70,000 on 6 student loans, my interest rate was 6.81, I would be paying $472.00 

standard payment and $5064 annual with a total cost (interest) of $1460.00. He stated, 

I qualified for Plan F: $132.00 for 33 months, $173 for 33 months, $119 for 34 months 

and $0-$20 loan. My payback for my 6 student loans would be $18,663. It would be a 

savings of $127,332. It sounded great due to me having trouble paying on my student 

loans and my loans would be forgiven thereafter. But come to find out the company 

Ameritech does not pay into my student loans and I have been paying since 

September 1, 2017 I paid $99 for membership and thereafter I have been paying $132 

monthly. My total cost I have paid is $1188. I called Ameritech July 2, 2018 to cancel 

my membership and to take over my account, and of course the representative would 

take my message and forward my call. She stated, they will return my call within 24 

hours. --- Fair Resolution: I would like all my money refunded ($1188) back to me and I 

would like to cancel my membership so I may take over my account. --- School Unit ID: 

 --- School OPE ID:

Ortiz Attachment A - 29

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 30 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

153 97378166 07/02/2018

Ameritech Financial|Ameritech 

Financial|Missouri State 

University-Springfield

CFPB Issue Type: Dealing with your lender or servicer | Don't agree with the fees 

charged --- What Happened: I received a letter from the Federal Trade Commission 

indicating that Ameritech Financial company has been sued by the FTC for deceptive 

practices relating to paying off my student loans. Items described within the lawsuit are 

practices that have been promised to me; such as, enrolling into a program that will 

pay off my loans after 10 years of on-time payments and qualified employment through 

a public program. I have been paying for some time now and have just been made 

aware that these are unfounded and false promises. --- Fair Resolution: That I am 

compensated for the amount of money I have paid into this deceitful company and be 

allowed to enroll in a government program repayment system that's similar to what I 

was originally promised with year(s) that I have already committed to being taken into 

consideration. --- School Unit ID: --- School OPE ID: 

154 97378267 07/02/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Don't agree with the fees 

charged --- What Happened: I signed up with Ameritech Financial back in October of 

2017 for the student loan forgiveness program and was approved. However, I was 

being charged $235 a month for the first seven month for what they called are fees for 

the services and was told I did not owe anything on my student loans for a year and 

reapply again in January. Now after the seven months have passed, I have been 

paying $99 a month. --- Fair Resolution: I would like a full refund of the money so I can 

apply it towards my student loans.

155 97378308 07/02/2018

Ameritech Financial|Ameritech 

Financial|University of CaliforniaSanta Cruz

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I was told on September 23, 2016 by Ameritech 

Financial that I was qualified for a student loan forgiveness program. They told me that 

I would pay minimum payments every month as long as I was part of a non-profit 

company, as long as I continued to make those payments after 10 years the remainder 

of my student loans would be wiped away. I just recently received a letter in the mail 

from the Federal Trade Commission warning me that the company had been sued for 

deceptive practices. It explained that all the payments that I made around $108 per 

month to Ameritech Financial, starting in September 2016, have not gone towards my 

student loans and they are not making payments back to my loan servicer, which is 

Nelent. What I am worried about now is that my credit and personal information is 

going to be effected in the future. --- Have contacted: CC Issuer --- Fair Resolution: I 

would love that Ameritech Financial give me a full refund on my past payments. Cancel 

my accounts and get rid of all of my personal information. --- School Unit ID: --- 

School OPE ID: 

Ortiz Attachment A - 30

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 31 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

156 97378320 07/02/2018 Ameritech Financial|Ameritech 

Financial|Manhattanville College

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I enrolled in a loan forgiveness program with 

Ameritech Financial last year. I was told it was a 10 year program and income driven. 

They have been charging $82 out of my account, each month. I thought this was going 

towards my student loans, but wasn't. I received a letter from the Federal Trade 

Commission telling me this company, Ameritech Financial, is a scam and are 

performing deceptive practices. They are currently under a lawsuit in court, by the 

Federal Trade Commision, and I am hoping to get my money back and anything else 

that can help me. --- Have contacted: CC Issuer --- Fair Resolution: Receiving a full 

refund and canceling my account. --- School Unit ID: --- School OPE ID: 

157 97378453 07/02/2018 Ameritech Financial|Ameritech 

Financial|Ashford University

CFPB Issue Type: Struggling to repay your loan | Can't get other flexible options for 

repaying your loan --- What Happened: I have been making payments to Ameritech 

Financial for over 2 years now toward what I thought was my student loans. I get a 

letter today from the USA Federal Trade Commission saying that none of the money 

that I have been sending to Ameritech has been been going to my student loans. Is 

there anyway that I can get all this money back that I have been sending them? --- Fair 

Resolution: Refund all my money that I have sent you these past 2+ years. --- School 

Unit ID: --- School OPE ID: 

158 97378461 07/02/2018

Ameritech Financial|Ameritech 

Financial|Indiana UniversityBloomington

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I received a letter from the FTC regarding a 

pending lawsuit between them and Ameritech Financial. I tried contacting Ameritech 

directly but was unsuccessful. I have been making monthly payments to them for 

almost two years! I am very confused on what steps need to be taken. --- Have 

contacted: CC Issuer --- Fair Resolution: A full refund for every payment I've made to 

Ameritech and setting up a new payment plan for my loans. I have also gained several 

hundreds of dollars worth of interest on my loan due to the payment plan THEY put me 

on. I would like them to re-pay all the interest to date and any other fees/payments that 

will be associated with setting up the appropriate plan --- School Unit ID: --- 

School OPE ID: 

Ortiz Attachment A - 31

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 32 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

159 97378497 07/02/2018

Ameritech Financial|Ameritech 

Financial|University of CincinnatiMain Campus

 

about your loan --- What Happened: I received 2 letters in the mail in October of 2017 

addressed to me saying “ATTENTION STUDENT LOAN PAYMENT DEDUCTION 

AND FORGIVENESS” saying I needed to contact them and that program would “save 

me thousands on my student loans” These letters were from “student loan department” 

therefore I was thinking it was from my student loans... anyway I called the number and 

they explained their company was AMERITECH FINANCIAL. I was on the phone with 

them for about 2 hours and the girl “Lauren” explained to me that this program would 

help me save on my monthly student loans and pay them off faster. She told me that 

they consolidate everything so it’s one loan. I asked if I would still be using fedloan and 

paying my monthly student loan bills and she told me yes and that everything is 

funneled through them. She told me what I was paying them will be towards/ paying my 

student loans monthly and that was not the case at all. I don’t know if this girl was new 

and didn’t know what she was doing or if she was purpsey giving me inaccurate info. 

She read her “scripts” but I asked many questions and was confused.. I asked her 

several times about the monthly payment and if this was paying for my student loans 

and she told me it was.. she took all of my personal info. (Because she told me she 

working with fedloan.gov and was changing my student loan payment AMOUNT to 

help me in the long run and pay them off faster than what I was currently paying.. she 

explained this program was to help me pay my loans off. She didn’t say I was paying 

for doc prep services or other “services”She told me my new student loan monthly bill 

would show up as “RAMPT” on my bank statements for my “new student loan payment 

program” I paid Ameritech $173.00 every month from October 2017 until Feb 26th 

2018.. which is a total of $865..One day I was speaking with my fed loan about 

something and they mentioned that my student loans were not being paid since 

October and we’re on “Forebarence” I was shocked and confused explaining to them 

that Ameritech told me that the $173 every month was going towards my monthly 

student bill/ payment and the fedloan lady explained that is not true.. I called Ameritech 

and canceled everything with them and changed my password and account info with 

my fed loan counselor.. so Ameritech could not be in any contact with my accounts etc. 

I was furious and asked for a refund and the man jsut tried to get to me stay with with 

their company and wasn’t doing anything about any sort of refund, he explained that 

Ortiz Attachment A - 32

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 33 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

160 97378543 07/02/2018 Ameritech Financial|Ameritech 

Financial|Capital University

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I contacted Ameritech Financial in Oct. of 2016 

per a piece of mail delivered to me stating they could help me repay my loans and 

ultimately reach loan forgiveness. I spoke with a representative named Whalen Sweat 

who walked me through a 2-hr phone conversation in which he assuaged my loan 

anxieties, stating the company would have me pay rates which would reduce over the 

course of 10-15 years that were based on my income. I initially paid something like 

$100 and thereafter have been making payments of $82 for about 2 years. The 

company led me to believe that my payments were investments to pay off my loans 

and that the government couldn't really help me like they could. I recently received a 

letter from the Federal Trade Commission detailing a law suit made against this 

company. Thus, I am filing this report. I am currently waiting to hear back from 

Ameritech to cancel my account and demand a refund. The number listed on their 

documents is no longer in service. I called them using a number on my voicemail; they 

had called me on June 6 telling me I needed to sign a contract to approve debits. I did 

so. I have, up until this moment, felt comfortable with Ameritech because once I settled 

business with them, I would receive monthly emails from Great Lakes Borrowing Co. 

stating that I owed them $0.00. Since gaining this knowledge, I called Great Lakes who 

explained the fraud taking place in the same words as the FTC. --- Fair Resolution: I 

demand that Ameritech Financial refunds every penny I have paid them over the 

course of the last two years so that I may truly attempt to pay off my student loans. I 

also believe that this pathetic company should compensate me for their deception so 

that I may have a chance in hell to pay off my federal loans. I thought I was doing right 

by my federal loans all because of Ameritech. I was under the impression that these 

payments were going toward my loans. --- School Unit ID: --- School OPE ID: 

161 97378570 07/02/2018

Ameritech Financial|Ameritech 

Financial|Morgan State 

University

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I was contacted by Ameritech regarding student 

Loans from Coppin and Morgan State Universities. Brandon Frere asked for two 

monthly payments of 234.00. After I signed an agreement, I didn't feel comfortable with 

Ameritech and I called to cancel payment and also contacted the credit union. Thank 

you --- Have contacted: CC Issuer --- Fair Resolution: I am asking for a refund of 

money paid to this false advertised company. This is the first time I 've been involved in 

a scam and it doesn't feel good. That why I do no like handling business on the phone, 

I prefer to visit the office and see the actual service being provided. Thank you --- 

School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 33

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 34 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

162 98197396 07/02/2018 Ameritech Financial

Last year in July of 2017, prior to only repaying my loans back to Navient and Nelnet, I 

was contacted by Ameritech who blatantly lied to me about consolidating my loans. 

They took my hard earned money and had my paying a monthly charge of $137 and 

promising me a 12-month deal afterward for only $99 a month saying my loans would 

be forgiven. Ameritech scammed me out of $1,903 and added an additional $6,000 to 

my loan! --- Additional Comments: I want all my money back, including the $6,000 

charge to my loan amount! I paid $1,903 plus another $173 (July 2018 payment) that 

will have been added by the time this complaint is in effect totaling $2,076.

163 98605063 07/02/2018 Ameritech Financial

About 2 months after signing up with Ameritech Financial I discovered that none of the 

payments I'd made were going toward my student loans. Instead they were going to a 

fee for the company's services. After learning this I spoke with a supervisor and asked 

that they cancel my account. I was told that they would cancel my account, but I would 

not be getting a refund for the payments that I'd already made. Today I received a 

letter from the Federal Trade Commission that this company is facing a lawsuit 

because of other clients were deceived. I am extremely disappointed with this 

company and I would very much like a refund for the payments I have already made. --- 

Additional Comments: I would like a refund for the payments I have already made.

164 97347826 07/03/2018 Ameritech Financial

Consumer received a letter from Ameritech Financial consumer contacted the phone 

number provided and it is a busy signal. Consumer was looking for student loan 

consolidation and found them on the internet. Consumer thought she was paying 235 

dollars towards her student loans. Consumer has paid 1410 dollars to them. UPDATE: 

7.3.2018, consumer states she called Ameritech Financial to cancel the membership 

and asked for a refund. They refused saying they delivered on their services. 

Consumer stated that Ameritech Financial told her that the FTC was not helpful in 

rectifying or educating them on what they can do to comply. 

Ortiz Attachment A - 34

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 35 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

165 97352642 07/03/2018 Ameritech Financial

I received a card in the mail for student loan forgiveness at a time where it seemed like 

their was little relief or hope in sight. I called and spoke to a very charming young man 

named Justin Ennis. I told him of my struggles and he told me it was simple. I can pay 

toward my loans and the balance would be forgiven in 10 years. we went through all of 

my information I signed all paperwork and the fees begame coming out. I felt relieved it 

felt like I finally took a step forward in taking care of these loans for the long haul. for a 

while I did not hear anything I assumed they were doing their job. After a while I began 

getting notices again for my loans being delinquent. I called a few months ago after 

paying for almost over 2 years to cancel my membership the monthly payments did not 

seem to be working. No amounts were decreasing. I was talked to for 30 minute to try 

and convince me to stay and they were very insistent. I followed through with the 

cancellation. Today I recieve paperwork saying it was a scam. I am absolutely 

devastated. and disgusted. It is bad enough the stress of having to pay back amounts 

with astronimical interest rates. you are just a figure nobody cares about your 

circumstanes or things that may come up family matters, death, injury, struggles. So to 

already know that and reach out with the intent of robbing what little many of us have 

as is its utterly heartbreaking. Try to move forward and have essentially taken 10 steps 

back that 5K plus could have paid off two of my loans in full. Now back to square one. 

with less than before. UPDATE: 7/3/2018 Consumer called to report that the company 

phone number is no longer working. 

166 97364737 07/03/2018 Ameritech Financial

I received a letter from the Federal Trade Commission stating that Ameritech Financial 

has been sued for deceptive practices. I am really angry that my montlhly payments 

were not going towards my student loans. I have made multiple payments without 

knowing what was really going on. I do not know where my money is going and I want 

a refund. I was not aware of this situation until I received this letter.

Ortiz Attachment A - 35

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 36 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

167 97364831 07/03/2018 Ameritech Financial

 

FEBC. I had believed the notice where they were saying they could help reduce my 

student loan payment and filed the government forms. I had realized within the first 30 

days of my loans being consolidated that payments I was making to their company 

were not making my Sallie Mae student loan payments go down. I know they weren't 

paying my loans. I had changed my passwords after dealing with this company and 

demanded a refund and to discontinue services with Ameritech and FEBC. They did 

grant me the refund and I haven't really thought much about it since. I think they were 

trying to overcharge people for "financial advice" and I asked for my money 

back. I saved the 7 emails from talking with these "financial advisors", but I 

realized I probably could have filed the student loan consolidation on my own. I was 

told that after 10 years of doing my public service (I am a public school teacher) that 

my loans would be written off...is this true? Do I still have to pay the entire balance on 

my student loans or was that one of their "scam talks"? Since I had 

received all my money back from this company, I did not think to complain to the FTC 

or report any type of fraudulent activity to the government. I thought they were just 

trying to be pushy in peddling their financial advice. There is no law against that. They 

even offered me Referral bonuses if I could help others lower their student loan debts. 

Here is one of their emails: Dear Thank you for becoming a valued member 

of Ameritech Financial! Step 1: Visit http://www.febcp.com and enter the passphrase 

$FEBCP15 *NOTE: This passphrase is specific to your accountStep 2: Once you’ve 

entered the passphrase, create a username and password including the email you 

used when you initially signed up with Ameritech Financial.**IMPORTANT: Your 

Member ID # is Enter this number in exactly as it appears in this 

email.Step 3: Check your email to confirm your accountAnd that’s it! You now have 

access to a massive archive of forms, documents, and calculators, along with access 

to an electronic copy of the Student Loan Financial Education Kit. and much 

more!Please feel free to contact me with any questions. Thank you!Paden Smith1-800-

792-8621 ext 122paden.smith@ameritechfinancial.comNOTICE: The information 

contained in (and linked to) this e-mail is intended only for the personal and confidential 

use of the designated recipient(s) named above. If the reader of this message is not 

the intended recipient, you are hereby notified that you have received this document in 

168 97364834 07/03/2018 Ameritech Financial

I have been paying Ameritech Financial Services a reduced student loan monthly 

payment for the last year and a half. I was under the impression this reduced amount 

was going towards my student loans but come to find out it was all a scam via the letter 

I received from the FTC. The company was very deceptive in their actions and need to 

be sued. Individuals like me trusted them and they took our financial information, 

collected money and did what they wanted. So, yes I would like a refund of my money 

and see this company go down.

Ortiz Attachment A - 36

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 37 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

169 97364863 07/03/2018 Ameritech

I have been paying Ameritech Financial for almost 2 year a total of $173.00 per month 

drafted from my checking account the 7th of each month. Ram servicing is there 3rd 

party billing merchant that draft the money each money. They inform me that going 

through their company I'am offered service to get student loan forgiveness and low 

loan repayment. I also pay Greatlakes $30.00 a month for my student loan.

170 97364866 07/03/2018 Ameritech Financial

I was informed about Ameritech Financial around March of 2017. I contacted them and 

was told by one of their representatives I will need to pay $103 a month and out of that 

$103, $20 will go towards my loan. I was told by the representative and her supervisor 

who approve the transaction that in two or three years my student loan will be forgiven. 

Other-Other Update

171 97364918 07/03/2018 Ameritech Financial

The company that I contacted was to help me with a repayment plan for my loan. I paid 

them through another service called RAM - Reliant Account Management. I paid this 

company around $80 dollars a month. I just cancelled my account following up with the 

letter I recieved in the mail about AMERITECH FINANCIAL being a scam. I tried to 

close and cancel my account but I couldn't reach anyone. I put in all the information 

that I have as well as the representative I spoke with regarding my information. I would 

like to recieve a refund but I don't think I will be able to.

172 97364942 07/03/2018 Ameritech

Consumer stated that he currently has Ameritech taking $82 per month out of his 

checking account for the past 8 months or so. Consumer had to pay $90+ to get it 

started via debit card promises of a student loan forgiveness. Consumer received letter 

from FTC and leaned that they were taking action against Ameritech.

173 97364948 07/03/2018 Ameritech Financial Consumer received a letter from FTC about Ameritech Financial and wanted to file a 

report.

174 97364955 07/03/2018 Ameritech Finincial

Consumer was contacted by Ameritech Finincial which she signed up with a 10 year 

loan forgiviness plan. Consumer was paying them 230 dollars for 6 moths and then 

100 dollars for the next 10 years.

175 97364971 07/03/2018 Ameritech Financial

Consumer received a letter from the FTC about Ameritech Financial. Consumer stated 

they called her on her phone about their services. Consumer paid them $100 every 

month from her bank account. Consumer couldn't remember the total amount she paid 

to them.

176 97364977 07/03/2018 Ameritech

Consumer states that she received a letter from us about an action against Ameritech. 

Consumer states that she has been paying them a monthly fee since the beginning of 

2016.

177 97364993 07/03/2018 Ameritech The consumer signed up for debt consolidation services with Ameritech. The 

consumer has been paying them monthly for services he is not receiving.

Ortiz Attachment A - 37

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 38 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

178 97364998 07/03/2018 Ameritech Financial

Consumer received a letter from the FTC for the Ameritech Financial consumer has 

not had any problems with them but is concerned they have not been paying her loan. 

Consumer states that she has paid $1,150 via debit automatic transaction.

179 97365001 07/03/2018 Ameritech

Consumer states she got a letter from the FTC on 07/02/2018 about Ameritech and 

she signed up with them on 01/2016. She pays 207 for 11 months for 2277 and then 

she pays 99 a month for 1287 for a total of 4158 by auto draft.

180 97365012 07/03/2018 Ameritech financial

Ameritech financial promised they would pay off my student loans and in return i would 

pay $99 fee every month but no money has been put towards my student loans since i 

started. i had sent out my personal tax information by mail they claim to have never 

received. i feel this is a scam and i have received a letter from ftc stating it is so. my 

balances have now gone up on my student loans as of this year reporting on my credit 

and damaging my credit score. Other-Other Update

181 97365023 07/03/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

182 97365040 07/03/2018 Ameritech Financial

Consumer received a letter from Ameritech Financial offering to reduce her student 

loan debt. Consumer was asked to verify information regarding her student loans and 

bank account information to set up a payment plan. Consumer did comply.

183 97365054 07/03/2018 Ameritech Financial

Consumer has rec'd an FTC v. Ameritech letter. He has tried to contact the company 

with the number on the letter to cancel his membership and try to get an refund. He did 

not get any response. He has contacted his bank and they are going to charge him a 

$30 fee to stop the debit on their end.

184 97365095 07/03/2018 Ameritech AMERITECH: The consumer rcv'd the letter from the FTC about the Ameritech case. 

They never paid her paid her loan. The consumer may paid about $1944.00 to them.

185 97365099 07/03/2018 Ameritech Financial

I received a letter from FTC stating that a lawsuit was filed against Ameritech Financial 

or a related company, financial Education Benefits Center (FEBC) that was in 

connection with my student loans. They told me it was a repayment option that would 

lower my monthly bill and repay faster due to lowering the interest. I have been paying 

$99.00 a month now for at least 2 1/2 years and my balance with the federal student 

loan department has not lowered at all. THey will not answer any of my phone calls to 

cancel the memembership or get a refund as the letter from FTC states to do. I am 

not sure what to do at this point. I am single mother that can't afford to be taken 

advantage of.

186 97365102 07/03/2018 Ameritech

Consumer got a letter from FTC about Ameritech and wanted to file a report. 

Consumer wanted to ad that they wanted to send out a form that they were going to 

debt his account and consumer felt funny about.

187 97365132 07/03/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

188 97365138 07/03/2018 Ameritech

Consumer states she obtained services with Ameritch on 02/2018 stating they work 

with US Department of Education. Consumer states she has paid about $ since 

03/01/2018. consumer will call back with the amount she has paid.

Ortiz Attachment A - 38

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 39 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

189 97365144 07/03/2018 AMERITECH FINANCIAL

AMERITECH FINANCIAL: The consumer rc'd the Ameritech letter from the FTC. The 

consumer stated that when she was unable to pay they took from her acct and caused 

her bank acct to charge late fees on other accts. The consumer may have paid them 

$1704.00.

190 97365157 07/03/2018 Ameritech The consumer hired Ameritech Financial to help consolidate his loans. The consumer 

was under the impression that his payments were going towards his loans.

191 97365159 07/03/2018 Ameritech

The consumer wanted to file a complaint against AMERITECH for misleading her with 

their payday loan process. The consumer stated that she loss $1000 with the 

company.

192 97365172 07/03/2018 Ameritech

Consumer called to be included in the suit filed by the FTC against Ameritech for 

charging illegal upfront fee and filed to deliver on their promises to enroll people into a 

government program that they claimed would permanently lower monthly loan 

payments or result in total loan forgiveness.

193 97365185 07/03/2018 Ameritech Financial 

In early 2016 I began receiving postcards in the mail regarding student loan 

consoladation but more importantly the various post cards discussed helping workers 

who qualified for the Public Service Loan Forgiveness (PSLF) program. I had reached 

out to my lender who stated they don't participate in this program even though I did 

qualify for the program. I reached out to Ameritech Financial, on the phone calls with 

them they assured me they would help me with the loan, the paperwork to apply for the 

PSLF and anything associated with the school loan process. I had already paid on my 

student loan for 9 years. When I signed up with Ameritech they put my loan in 

forebarence, charged me $207 for 10 months and then $99 until I stopped that earlier 

this year. I stopped when I realized that what they did was buy and sell my loan. 

Granted they signed me up for Fed Loan which was the right lender but my clock 

began again (pay another 10 years with interest), plus pay their fee. I still have the 

original paperwork if you would like a copy. This was the biggest rip off I have ever 

seen, because of how they actually hook you in the set up calls. All went well for the 

first year, but by the second year it went downhill. When I canceled the membership 

payment, I got nasty calls so I began paying again. Earlier this year my mother saw 

something and began looking into my accounts and she was the one that told me to 

cancel my payments to Ameritech. I am so happy to learn the FTC is involved with this 

case, I am happy to supply additional information if you require it. THANK YOU 

Other-Other Update

Ortiz Attachment A - 39

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 40 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

194 97365221 07/03/2018 Ameritech financial

hi i enrolled with ameritech financial and they have been taking money from my bank 

account for 6 months. the money was suppose to go to pay towards my daughter's 

student loan but they took my money and never paid anything to the loan provider 

UPDATE 7/3/18: Consumer called back to report that Ameritech does not answer his 

calls. 

195 97365230 07/03/2018 AmeriTech Financial

I recently received a letter from the FTC stating that the company AmeriTech/Financial 

Education Benefits Center (FEBC), which has been assisting me in my student loan 

forgiveness program for the past two years, has been sued for deceptive practices. 

Upon recommendation from a colleague at my school, I contacted AmeriTech to begin 

the Income Drive Repayment plan of loan forgiveness for those in public service (I am 

a public school teacher). I have paid AmeriTech/FEBC more than $3,500 during the 

past two years. Each month they deduct $99 from my checking account to provide 

services. However, if this is a service that is free to me I would like them to reimburse 

me at least the $1,000 fee I paid upfront, if not all of the money I have paid them. I am 

aware they do not make payments on my behalf or that the money I have paid them 

goes towards my student loans. But if they have taken money from me unnecessarily 

and if it is able to be reimbursed I would like that to occur. Please advise on what steps 

I need to take further. Thank you so much.

196 97365233 07/03/2018 Ameritech

I used this financial institution to pay my student loan down for about 6-8 months at 282 

dollars a month between 2016-2017. It is possible that my funds were misappropriated, 

and not toward smy student loan debt.

197 97365236 07/03/2018 Ameritech Financial

Consumer states that he received a letter by mail from Ameritech Financial. Consumer 

states that he had service with them a year ago and lost $300 which he agreed to pay 

with his Debit card. Consumer states that he only made one payment after noticing 

they were not going to do more than what he was able to do himself. Consumer states 

that they never made the payments to his loan they promised.

198 97365239 07/03/2018 Ameritech Consumer received a letter from FTC regarding that a case has been filed against 

Ameritech. Consumer was getting help to repaying her student loans.

199 97365244 07/03/2018 Ameritech Financial

Consumer was contacted by Ameritech Financial offering him to reduce his studunt 

loans, he noticed his balance did go down with Nel Net which is consumers loan 

servicer. Consumer paid them 82 dollars a month and has gone down to 67 dollars, 

consumer also paid a one time fee.

200 97365248 07/03/2018 Ameritech Financial Benefits 

Center

Consumer received a letter from the FTC about Ameritech Financial. Consumer 

received a letter from Ameritech and how they could lower her student loan debit. 

Consumer sent they %50 a month for the last 2 years.

201 97365256 07/03/2018 Ameritech Consumer wanted to be included when the final dispositions are done against 

Ameritech Financial. The consumer has therefore filed a complaint.

Ortiz Attachment A - 40

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 41 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

202 97365266 07/03/2018 Ameritech Financial

onsumer received a letter from Ameritech Financial offering to reduce his student loan 

debt. Consumer was asked to verify information regarding his student loans and bank 

account information to set up a payment plan. Consumer did comply.

203 97365355 07/03/2018 Ameritech Financial

Consumer reports that she received a letter on 07/03/2018 on a lawsuit filed against 

Ameritech Financial. Consumer reports that Ameritech Financial has taken out $108 

each month. Consumer reports that she has attempted to contact them yesterday for a 

refund and keeps on hanging up on her. Consumer reports that they promised to enroll 

her into a government program that they claimed would permanently lower monthly 

student loan payments or result in total loan forgiveness.

204 97365370 07/03/2018 Ameritech Financial

AMERITECH COMPLAINTS: The consumer rc'd the Ameritech letter from the FTC. 

The consumer is calling the PH# on the letter to cancel membership with Ameritech, 

but the consumer is getting no response.

205 97365415 07/03/2018 Ameritech

Consumer has rec'd a flyer in the mail from Ameritech Financial and called to enrolled 

for their student loan services. She was paying for their services since 12/16 and has 

stopped making payments to them 3 months ago. She had contacted Fed Loans and 

discovered that they had not been receiving any payments from Ameritech and didn't 

know who they were. She has also contacted her bank and stopped payments.

206 97365453 07/03/2018 Ameritech

Consumer stated that she received a letter from Amitech Financial offering services 

and she contacted them consolidated. Consumer stated she paid $82 monthly for 13 

months a total of $1066.

207 97370459 07/03/2018 Ameritech Financial

At the time, I was told by Alayna Miley that the service would forgive my remaining 

student loan balance after 20 years of paying $99/month. Also, I was charged 

$257/month for the first 6 months of this plan (starting 2/5/2016).

208 97370465 07/03/2018 Ameritech Consumer reports Ameritech has been deducting money out of her bank account for 

over 2yrs. And never deliver on their promise to have her interest rates lowered.

209 97370518 07/03/2018 Ameritech

Consumer is calling to report that he contacted a company named Ameritech after 

coming across their website. Consumer wanted help with his student loans. Consumer 

was told to make a payment of 99 dollars a month in order for them to consolidate his 

student loans. Consumer has been making payments for 3 years for a total of 3564 

dollars.

210 97370519 07/03/2018 Ameritech

Consumer reports Ameritech Financial called her to offer her help to lower her student 

loan debt payments, consumer proceed and has done monthly payments for about a 

year an half. She thought the payments were going toward her debt but they did not 

make any payments on it. Call dropped UPDATE: 7/3/2018 Consumer called to finish 

report.

Ortiz Attachment A - 41

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 42 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

211 97370524 07/03/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$2376 over the course of two years.UPDATE 07/03/2018: Consumer is calling to report 

that he is unable to get in touch with Ameritech. Verified consumer was calling correct 

number. Advised consumer to continue contacting Ameritech . 

212 97370528 07/03/2018 Ameritech Financial

Well...It thought the experience was good until I got the notice in the mail. I was 

contacted by the company by mail in 2017. They told me I could reduce my debt by 

more than half. The final would be 28,560 all said and done. I was on a 20yr plan. I 

had to do an inintial 11 payments of $207.00 and after the first 11 months of $207.00 it 

than lowered to $99.00 a month for the remaining 20yr term.

213 97370544 07/03/2018 Ameritech

Consumer is calling to report that she was contacted by phone by Ameritech offering 

their services to consolidate student loans. Consumer contacted them and set up 

payment plans with the company. Consumer states that she has paid $820 total. 

Update: The consumer reports she has called to get a refund and no one will 

answer. 07/03/2018

214 97370563 07/03/2018 Ameritech Consumer is calling in to file a complaint against Ameritech. He has had them for 1 

year and has paid them $1296 so far.

215 97370589 07/03/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$3636 over the course of two years.

216 97370593 07/03/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

217 97370596 07/03/2018 Ameritech Financial 

218 97370601 07/03/2018 Ameritech

Consumer states she got a letter from the FTC on 07/02/2018 stating that Ameritech 

had fraudulent services she is involved with. She signed up for Ameritech on 

03/15/2016 and she pays 257 for the 1st 4 totaling 1028 and 99 for the remainder for 

2178. The payments are being withdrawn automatically.

219 97370663 07/03/2018 Ameritech The consumer hired Ameritech Finance for debt consolidation. The consumer was 

under impression her payments were going towards her lender.

220 97370671 07/03/2018 Ameritech Financial

Consumer received a letter from the FTC about Ameritech Financial. Consumer found 

out about Ameritech when they called her phone. Consumer sent them $88 dollars out 

of her bank account. Consumer received emails from them and wanted her to fill out 

information. They took payments without her permission. Consumer received a phone 

call about a student loan forgiveness program called Melnet. They told her about 

Ameritech is not reliable. Consumer called Ameritech about a refund but never did.

Ortiz Attachment A - 42

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 43 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

221 97370690 07/03/2018 Ameritech Financial

Consumer received a letter from FTC regarding Ameritech. Consumer has signed up 

with there memberships and has paid 410 dollars towards there services. Consumer 

was contacted by Ameritech over the phone. Consumer was told she would apply and 

she would be in a contract with them for 10 years.

222 97370693 07/03/2018 Ameritech

Consumer got a letter from the FTC and called about Ameritech lawsuit. Consumer 

paid approximately $4656 in a loan servicing scheme. Consumer states he called the 

(800) 792-8621 and gives him options offering to leave his phone# and all operators 

are busy. Consumer is unable to get through and hangs up on his 3rd attempt to get 

through,

223 97370732 07/03/2018 AmeriTech Financial

When i first saw the add for Ameritech, they were posting on social media that student 

loan forgiveness was being offered by the federal govt. for Sam Houston State 

Students. I wasn't making much money at the time, so i obviously was interested in 

something like that. Especially since the ad was specifically for Sam Houston grads. 

When i called i just tried to gather information before signing up. Me and Brandon 

Pena exchanged multiple emails and phone conversations. I never was asked 

questions by a robot on the phone or automatic email services so after multiple 

discussions with him it seemed legit. After he ran the numbers, he showed me how 

much i would be paying on interest if i stayed with the original lender and also how 

much i could potentially save on interest if i signed up with Ameritech. When he ran his 

numbers he showed that i would save over $10,000 in the long run if i went with 

Ameritech. I was ecstatic especially since they said it was a Federal Government 

approved company. Once i signed up i was in forebearance for about 3 months with no 

payment. Once i received my payment amount ($108.00/month) i was way happier 

than the original $350.00/month payment. After they consolidated my loan through 

Nelnet, i never saw the balance drop monthly. I started to get concerns. I made several 

calls to the customer service department and they reassured me that if i waited til 1 

year from when i signed up that it updated annually and i would see the number go 

down once i reenrolled annually. I thought it all seemed to good to be true, but several 

times they reassured me that the reason they were able to forgive MY student loans 

was because "most" people always forgot to reenroll annually and that if i made sure i 

did, then i would cut $10,000 off of my student loans. I am still paying my payment now 

and would like to know what i need to do to get out of this and if there is any possible 

chance of a refund for this fraud. Any advice or information would help and THANK 

YOU for sending that letter to me and informing me of what they were doing. I cannot 

thank you enough. Sincerely, a broke and now extremely concerned 

former college student working 50 hours a week trying to make ends meet. thank you.

Ortiz Attachment A - 43

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 44 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

224 97370753 07/03/2018 FEBC

Consumer is calling because she received a letter from the FTC having to do with the 

FTC VS FEBC. Consumer states that the company contacted her about 2 years ago 

via email or phone call offering to help her with her student loans. Consumer signed up 

for the service and paid the company $99 a month debited from her bank account. 

Consumer has been contacted by her lender telling her that the payments are not 

going towards her loans.

225 97370762 07/03/2018 Ameritech Financial

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

reports that she was promised to consolidate her loan paying of her student loan. 

Consumer has became aware that payments made to Ameritech Financial have not 

been going towards her loan. Consuemr has called Ameritech Financial to cancel 

service and obtain refund, consumer states that there is a long hold and they never 

answer. Consumer reports that originally received a letter from them offering their 

service which she responded to. Consumer has paid $99/month debited from her 

account for about 2 Years.

226 97370793 07/03/2018 Ameritech Financial

Consumer states that he has a complaint with Ameritech. Consumer states that he has 

been paying them a monthly fee to help with his student loans. Consumer received a 

letter from us yesterday asking him to stop paying and cancel his membership. 

Consumer did not have an amount on how much he has paid them.

227 97370823 07/03/2018 Ameritech Financial

The consumer called to file a complaint against Ameritech Financial. Consumer was 

contacted by Ameritech Financial regarding a loan forgiveness program. She paid an 

upfront fee of $800 plus $99/month which started on Oct. 4, 2014. Consumer called 

after reading the education regarding the loan forgiveness program through Ameritech 

Financial.

228 97370825 07/03/2018 Ameritech|Unknown

AMERITECH COMPLAINTS: The consumer rc'd the Ameritech letter from the FTC. 

The consumer stated she paid $99.00-$100.00 a month. The consumer will call back 

with more information. 07/03/2018 Consumer is calling to report the date she first 

signed up with Ameritech and the total amount that she has paid them. Also consumer 

called Ameritech to ask for a refund and received a email response telling her that she 

is involved in a class action and no refund was given. 

229 97370858 07/03/2018 Ameritech Financial

Consumer states that she had received a letter from Ameritech Financial stating that 

the FTC had sued Ameritech for deceptive practices. consumer states that she has 

made payment each month.

Ortiz Attachment A - 44

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 45 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

230 97370859 07/03/2018 Ameritech Financial

I trusted in this company to provide me with a lower or full loan forgiveness payment 

toward my student loans. I was informed that I had to pay a member ship fee, and that 

I would have lower payments that would be going towards my student loans. I provided 

Ameritech Financial with my personal information for access to my student loan 

provider not knowing that the whole time I was being ripped off by Ameritech Financial. 

They were not able to provide me with any proof of payments that I had made over the 

course of my membership with them (Ameritech) so I can file with my taxes, and keep 

track of all my payment made to them over the course of time. I am very upset that I 

there are these types of companies out there that falsely miss lead innocent people like 

myself who just want to pay off student loan debt. Now, I have been sending out my 

payments every month thinking that they payments were going towards my student 

loans and that was false and now my loan balance accrued interest. AmeriTech 

Financial needs to be punished and held accountable for their miss leading actions that 

were targeted on students and people like myself.

231 97370965 07/03/2018 Ameritech Financial

Consumer states that he received the FTC Letter in regards to the Lawsuit against 

Ameritech. Consumer began his membership in late 2016 - early 2017. Consumer was 

paying 132 dollars every month since his start of membership in 2016. 

UPDATE:7/3/2018 Consumer provided his email on the report. Consumer tried to call 

Ameritech to cancel to stop taking money out of his account. Consumer is waiting on 

them to call him back. 

232 97370970 07/03/2018 Ameritech

I was referred tl ameritech to help pay off my student loans... I contacted them in oct of 

2016 and haf to pay 2 initial large payments and then 99 dollars monthly there after. I 

called and complained maybe a year later and the payment was dropped to 49 dollars 

monthly and is still paying. I have tried calling the company for a refund and no one 

comes to the line... a payment was removed today 7/3/18. how do I recieve my money 

back I had no idea I wasnt paying on my student loans?

233 97370976 07/03/2018 Ameritech I would like to stay updated on the case against Ameritech. I would also like to know if I 

can be reimbursed any of my payments and how to do so.

234 97370988 07/03/2018 Ameritech

Consumer reports she received the letter from us and wanted to be included in the suit 

against Ameritech because she has been making auto payments of $50 per month and 

was led to believe that her loans could be forgiven but understands that this was a 

scam.

Ortiz Attachment A - 45

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 46 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

235 97371009 07/03/2018 Ameritech Financial

The consumer reports that he received a letter in the mail regarding Ameritech 

Financial. The consumer reports they took $300 from him every month for 2 years. The 

consumer reports that he had no change in his loans and how much he owed. The 

consumer reports he used them back in 2016. The consumer lost connection mid call. 

UPDATE:07/03/2018 Consumer called back to provide his contact information.

236 97371025 07/03/2018 Ameritech Consumer received a letter from Ameritech. Consumer has paid these people every 

month, to pay on his loans. Consumer found out that there not paying off his loan.

237 97371033 07/03/2018 AmeriTech Financial

I initially contacted AmeriTech after a referral from a friend. When i spoke to the 

representative, Trisha, she explained the program to me. I was explained that my 

montly payments would be $99 and my payments would go towards my student loan 

payment. I was granted income-repayment based payment plan, which my payment 

was $0 monthly. I assumed this $99, that they were taking out of my account every 

month, was still going towards my student loan. I called to address this issue in 

February after reviewing my student loan account online and seeing that no payments 

were made toward my loan. I called AmeriTech and was informed that this $99 was 

going towards a website that I had access to, that I never use. I have never heard of 

paying $99 to have access to useless information on a website. When speaking with 

the representative I explained that I was informed that the $99 monthly payment was 

going towards my student loans and not a website. They "audited" my 

initial phone and said that it was explained to me that the $99 was for access to their 

website, which is a complete lie. Even if they did audit the phone call, I'm sure they 

aren't telling me the truth about what transpired during that call. I am very upset and 

feel decieved that I paid almost $1000 for this program for paperwork and filing I could 

have done on my own, instead of with AmeriTech with promises of saving me $98,000 

in studen loan debt. Other-Other Update

238 97371040 07/03/2018 Ameritech Financial

Consumer states that she had received a letter from Ameritech Financial stating that 

the FTC had sued Ameritech for deceptive practices. consumer states that she has 

made payment each month.

Ortiz Attachment A - 46

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 47 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

239 97371046 07/03/2018 AmeriTech Financial

I was cobtacted by Kimverky Quinones back in August 2017. She said I was eligible for 

srudebt loan forgiveness and she would call me back when I'd graduated from school. 

We set a date for her to call me back and she did. She called me back February 1, 

2017 to discuss loan forgiveness. She made it very convincing how I would be saving 

money, I felt like it was to good to be true, but I went ahead with everything and gave 

my information. The way she broke down how I was paying for my loans didn't make 

since to me, but i don't know much about finances, I believed her. I was told that my 

payment wpuld be based on how much i made with work. That price has changed from 

$74 to $82. I've been trying to contact them and no one is answering they're always 

busy, but before, I could get an answer fast. Thank you for catching this. I'm going to 

continue to call so i can cancel my membership and get a refund of all my 

money.TOPIC:Referrals

240 97371049 07/03/2018 Ameritech

Consumer has rec'd an FTC v. Ameritech Financial letter. Consumer reports that she 

has enrolled in their services about two years ago and has been making payments 

every month.

241 97371058 07/03/2018 Ameritech Financial

Consumer is calling to report that he received a letter by the FTC for Ameritech 

Financial. Consumer reports that he has been paying $80 a month for a student loan 

forgiveness. Consumer reports that they promised to enroll him into a government 

program that they claimed would permanently lower monthly student loan. Consumer 

has recently contacted them and they are not answering or returning his calls.

242 97371062 07/03/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

243 97371092 07/03/2018 Ameritech Financial

Consumer states that she hired Ameritech Financial during 03/2018 to help her reduce 

her student loan payments and debt. Consumer states she was told by Ameritech 

Financial that she was approved to have about $22,000 taken off from her student 

loans. Consumer agreed to program and paid about $144 up front and has paid $82 

for 04/2018, 05/2018 and 06/2018. Consumer believes that they told her she had to 

pay $82 per month for about 10 years. Consumer has verified that no payments have 

been made toward her student loans.

244 97371183 07/03/2018 Ameritech Finacial Consumer states that she wanted to make a report against Ameritech because they 

had also taken her money for over 2000 dollars.

245 97371245 07/03/2018 Ameritech Financial Consumer recieved letter from FTC for Ameritech Financial. Consumer was contacted 

by Ameritech for a forgivness program, they were taking 82 dollars a month.

246 97371252 07/03/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

Ortiz Attachment A - 47

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 48 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

247 97371263 07/03/2018 Ameritech

Consumer is calling to report he received a letter from FTC v. Ameritech, which 

Consumer states he is very frustrated since he thought he was receiving g help from 

them to pay off his student loans. Consumer is still receiving services from them. 

Consumer has paid more than $1000 for fees, and pays $99 a month which it is 

removed from his Checking account every month since 09/2017. Consumer received a 

letter stating they could help him with his student loans and then he contacted them. 

Consumer was also in contact with e-mail address: 

lauren.gilkison@amertiechfinancial.com. 07/03/2018 Consumer is calling to report that 

he paid the company $1831. 

248 97371265 07/03/2018 Ameritech Financial 

Ameritch offer debt forgiveness but I had to pay them a fee....This was going to reduce 

my monthly payment from 500.00 a month to 200 the first year than 99 from there 

after....there was a time for six months that Ameritch didn't file paperwork and the 

goverment call me for pass due payments....They are taking out payment form my 

banking account and have full control of the my loans...I know they are not paying off 

my student s loans.... Other-Other Update

249 97371278 07/03/2018 Ameritech Financial

Consumer is calling on behalf of his wife. Consumer received a call from Ameritech 

Financial offering to reduce her student loan debt. Consumer was asked to verify 

information regarding her student loans and bank account information to set up a 

payment plan. Consumer did comply.

250 97371307 07/03/2018 Ameritech

Consumer received a letter about the Ameritech. Consumer stated that she paid some 

money every month since 2016, to Ameritech. The consumer received the letter from 

FTC. Consumer didn't know that, they were not paying her loans.

251 97371322 07/03/2018 Ameritech Financial

The consumer is reporting received a letter about Ameritech from Us. They advertised 

on Facebook about reducing student loan. The consumer said started paying them and 

had paid Ameritech between $2000-$3000.

252 97371392 07/03/2018 Ameritech

Consumer reports she was referred to Ameritech through a friend, so she signed up 

with them and has paid over a year and learned they didn't apply anything toward her 

loan.

253 97371411 07/03/2018 Ameritech

Consumer has rec'd an FTC v Ameritech letter in the mail. She enrolled in their plan to 

help her with her student loan. She has been making payment since 1/17 in the 

amount of $108 a month.

254 97375778 07/03/2018 Ameritech

Consumer called because he received a letter in the mail regarding Ameritech. 

Consumer states that he has been making monthly payments to Ameritech since 2012 

of 87 dollars.

255 97375781 07/03/2018 Ameritech

Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. 

She has sent them approximately $320 and they have not paid any student loans. 

Caller responded to an ad on Facebook and they contacted her with a spoofed 

number.

Ortiz Attachment A - 48

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 49 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

256 97375790 07/03/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$1425 over the course of two years.

257 97375834 07/03/2018 Ameritech

Consumer stated that he received a letter from FTC about Ameritech Financial, and 

there is a lawsuit against them. Consumer stated he paid $108 monthly, a total of 

about $2000 to pay off his student loans in ten years.

258 97375844 07/03/2018 Ameritech

When I had Ameritech "help me", I did not realize that I was working with Fedloan, 

which is a government program. That means it is a free program. I qualified for Public 

Servant Loan Forgiveness program since I am a teacher. I paid Ameritech from March 

2016-August 2016 for a free program. I paid $179.01 to get started in March. Then, I 

paid $207 each month from April to August. I did call to cancel in September. They told 

me that there were no refunds and that I will be losing their assistance which may 

cause me problems with my student loans. Again, government program for public 

servants. The company was lying to me again. I lost over $1200. I do not remember 

who I spoke with at the beginning or the end since I did this in 2016. It would be 

fabulous to get a refund, but again they told me that it was not possible in 2016. I called 

Fedloan in September to make sure this is a government program and if it costed 

anything. Fedloan associate told me that the program is free. I got tricked.

259 97375897 07/03/2018 Ameritech

Consumer received a letter from The Federal Trade Commission Center regarding a 

case taken against Ameritech. She was told that they could help them enroll in a 

government program to reduce their monthly student loan payments or get a total loan 

forgiveness. She found out the she loan has been put on forbarence and they have 

been keeping the money. Consumer called her loan provider and found out that no 

forms had been filled out on her behalf. She has told that $235 would be taken out for 

6 months and $99 would go towards her loan.

260 97375907 07/03/2018 Ameritech Financial Consumer reports they received a call from Ameritech Financial offering lower monthly 

payments on their student loan. Consumer reports they requested for a fee. Consumer 

complied. Consumer reports none of the payments went towards the loan.

Ortiz Attachment A - 49

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 50 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

261 97375949 07/03/2018 Ameritech Financial 

I was referred to Ameritech Financial on January 4, 2017, by a close friend. And on the 

same day, I spoke with the representative to enroll. So from the end of January to the 

end of March of 2017, a payment of $287.00 was drawn from my bank account. From 

April to June of 2017, $188 was drawn from bank account. And every month up until 

July 2, 2018, $99 was drawn from my bank account in efforts towards a student loan 

forgiveness program I just recently (on July 2, 2018) made aware of the company's 

deception. Therefore, over the past year and s half, I have paid a total of $2,613.00. 

Other than the monthly withdrawal from Reliant Account Management (RAM / DEBT - 

PMT drafted on their behalf), I have not had any further contact with the representative 

or other correspondence. Overall, it is very disappointing to find out that my efforts over 

the past year is not being accounted for.

262 97375958 07/03/2018 Ameritech Financial

Consumer received a letter from the FTC about Ameritech Financial. Consumer stated 

they had his payments very high to cover the cost. Consumer stated they were offering 

the services to help pay off his student loans but they didn't do so. They told him that 

he needs to send $23 a month out of his bank account. Consumer was looking online 

for services and they called him.

263 97375964 07/03/2018 Ameritech Financial

Consumer states she received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. Consumer states she would like to tell FTC about her experience. 

Consumer states she received a letter from Ameritech Financial offering to help her 

lower her monthly payment on student loan. Consumer states she believes she then 

contacted them, consumer states she was asked to pay an up front fee of $200. 

Consumer did pay this money. Consumer states she has been paying $100 a month 

but her monthly payments started as high as $222 and then began decreasing month 

to month and now pays $99 a month.

264 97376062 07/03/2018 Ameritech Financial Consumer states she has had services with Ameritech Financial since 09/2017 and 

has paid $1200. She was informed the money has not been used to pay her debt.

265 97376114 07/03/2018 Ameritech Financial

Consumer reports Ameritech Financial did not help her lower her student loan 

payments, consumer thought they were making payments to her debt but they have 

not. Consumer has paid them for about two years but does not know the total.

266 97376127 07/03/2018 Ameritech Financial

Consumer reports receiving a letter from the FTC in regards to the FTC v. Ameritech 

Financial lawsuit. Consumer states that she received a phone call from Ameritech 

Financial offering student loan forgiveness. Consumer states that she was told that if 

she paid a certain amount of money her loans would be forgiven. Consumer states that 

the company has not done what they said they would. Consumer has paid the 

company approx. $3400.

Ortiz Attachment A - 50

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 51 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

267 97376148 07/03/2018 Ameritech Financial

I was contacted by Ameritech Financial via mail saying that they were a loan 

forgiviness program. I ignored the first mailer then then sent me a second one. I 

decided to call and see what it was all about. They said since I work in not-for-profit 

and in health care they could get half of my student loans forgive in ten years. I decided 

sign up for it. I am currently in my second year with this program. I just got a letter in 

the mail from Federal Trade Commision saying there is a lawsuit against them, which 

is alarming to me. Looking at my nelnet account. I see that they are Defered. I am not 

sure what to do from here.

268 97376173 07/03/2018 Ameritech Financial

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

reports that he has been paying for service which they promised to consolidate his 

loan. Consumer has been notified by Fed Loans that no payment made to Ameritech 

Financial has been made towards his loan. Consumer has paid $83/month debited 

from his account for about 2 Years. Consumer states that he has not been able to get 

ahold of Ameritech.

269 97376174 07/03/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

270 97376252 07/03/2018 Ameritech Financial Other-Other Update

271 97376447 07/03/2018 Ameritech

Consumer is calling to report that he received a letter from the FTC about Ameritech. 

Consumer states he received a letter in the mail from Ameritech stating that they could 

assist him with consolidate his loans. Consumer called and signed up for their 

services. Consumer does not know how much money he has paid at this time. 

Consumer has also been making payments to Nelnet and wants to know if they are 

fraudulent as well.

272 97376452 07/03/2018 Ameritech

Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. 

She has sent them approximately $2120 and they have not paid any student loans. 

Consumer was contacted by them via email and text and signed up. Consumer says 

that Ameritech set something up with Nelnet where she does not have to pay anything.

273 97376481 07/03/2018 Ameritech Financial

Consumer reports they received a card from Ameritech Financial offering a lower 

monthly student loan by being placed in a government program. Consumer reports 

they requested for a fee. Consumer complied. Consumer doesn't know exactly how 

much he has paid.

Ortiz Attachment A - 51

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 52 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

274 97376518 07/03/2018 Ameritech Financial 

I was told they could consolidate my loans. I was paying them 82 dollars a month 

thinking they were paying Great Lakes,which is where my loans are, but they weren’t. 

They lied on a report to get me to have a zero balance every month with Great Lakes 

so it would look like they were paying them off. I called great lakes to get that situated 

which they did and filed a report. Then I called my bank to stop payments immediately 

which they did. This fraudelent company has my Fsa information and my social 

security number. How do I go about making sure they cannot use my social security 

number for anything?

275 97376541 07/03/2018 Ameritech Financial

i was contacted by federal trade commission anout the lForgiveness loan that 

Ameritech Financial set me up with and after a year they contacted me to tell mevi had 

to submit all my paperwork again ..thst is when i realized i paid them for 12 months and 

none of that monthly money went towards my loan. i dropped them and went back to 

my Fed Loan. i believe i paid $300.00 a month for a year. i am looking for my 

paperwork on that loan to get the exact money i wasted.

276 97376542 07/03/2018 AmeriTech Financial 

I was looking for a way to lower my payments and went online and found Ameritech 

Financial. I talked to them and they told me that I could get loan forgiveness on one of 

my debts after ten years paying on it for 10 years. Then the rest will be forgiven. I 

changed my mind but they kept telling me that I would be paying more if I did not use 

their services. After talking with them I decided it would be better. I read a report in The 

Wall Street Journal about income driven loans and how it affects your taxes. I called 

them and we got to talking about how I was setup and they told me that I was set up for 

25 years, I canceled their services after I found out my monthly payment now will be 

$400 more. I called Nelnet and got my payments back on line but I am not sure if I can 

meet my original pay off now, original payment was $640 and now it is $1100. When I 

started with Ameritech I owed $40000 and still owe $40000.

277 97376547 07/03/2018 Ameritech

Consumer is calling to report that he received a letter from the FTC about Ameritech. 

Consumer states that he contacted the Department of Student Loans and then was 

transferred to Ameritech. Consumer signed up for services with them and was asked 

for his income. Consumer has paid 179 dollars month. Consumer does not know the 

total amount paid at this time.

278 97376632 07/03/2018 Ameritech Financial

Consumer states that she received a letter from the FTC in regards to Ameritech 

Financial and the current Lawsuit. Consumer started her membership with them in July 

of 2017 and was paying 173/mo. and in total spent about 2100 dollars to them.

Ortiz Attachment A - 52

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 53 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

279 97376651 07/03/2018 Ameritech Financial|Fedloan 

Servicing

Consumer is calling on regards to a letter received by the FTC about the Ameritech 

Financial. Consumer reports $173 is being deducted by Ameritech Financial since 

08/2017 monthly. Consumer was reports that they enrolled him into a government 

program that they claimed would permanently lower monthly student loan payment or 

result into a loan forgiveness. Consumer reports that he is also paying $33 monthly to 

Fedloan Servicing to be set into a program.

280 97383442 07/03/2018 Ameritech Consumer received a letter from the Ftc regarding Ameritech.

281 97383459 07/03/2018 Ameritech

Consumer's wife received a letter from The Federal Trade Commission Center 

regarding a case taken against Ameritech. He was told that they could help them enroll 

in a government program to reduce their monthly student loan payments or get a total 

loan forgiveness.

282 97383535 07/03/2018 Ameritech Financial

Consumer received a letter from The Federal Trade Commission Center regarding a 

case taken against Ameritech Financial. She was told that they could cut her loans in 

half. She was told that the would have to pay $88 a month.

283 97383544 07/03/2018 Ameritech

Consumer stated that she received a letter from FTC regarding Ameritech, about 

deceptive practices. Consumer stated Ameritech contacted her about loan 

forgiveness, she had to pay $204 for 2 years and they loans with Navient will be 

forgiven. Consumer paid a total of $1204 for ten months.

284 97383588 07/03/2018 Ameritech Financial

Consumer is calling to report that she received a notice in the mail from Ameritech 

Financial. Consumer indicates that her first payment $300 and for 6 months $200 and 

then $150 every month after. Consumer indicates that the payment has been taken out 

of her account.

285 97383611 07/03/2018 Ameritech Financial

The consumer is reporting about Ameritech Financial . The consumer has been 

paying them to reduce her student loan and the consumer said that they have not 

reduce her loan. The consumer has paid them $2376 for her student loan.

286 97383621 07/03/2018 Ameritech Financial

Consumer received a letter from the FTC regarding Ameritech Financial. Consumer 

has been paying Ameritech to pay for her student loans. Consumer has paid 902 

dollars total towards there service. Consumer received a letter in the mail regarding 

there services.

287 97383643 07/03/2018 Ameritech

Consumer is calling to report he received the letter from FTC v. Ameritech. Consumer 

has paid Ameritech $135 monthly and was told the $800 for Services fee was going to 

be included in the loan. Consumer was told they were going to lower his student loans 

up to 50%. Consumer received a flyer from Ameritech and a letter offering their 

services which he did contacted them around 04/2018.

Ortiz Attachment A - 53

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 54 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

288 97383673 07/03/2018 Ameritech Financial 

Applied for student loan forgiveness and consolidation of student loans in February 

2018, once approved the company have been recieving auto draft from my bank 

account that started in March 30, 2018 124.00, April 30,2018132.00, May 30, 2018 -

132.00, and July 2, 132.00 totaling $520.00. recieved a letter from Federal Trade 

Commision that my monthly payment sto Ameritech and FEBC DO not go torard 

payung my student loans. Ameritexk does not make payment on my behal to my loan 

servicer, and that what I am paying them U can get for free

289 97383690 07/03/2018 Ameritech

I was searching for a company that could help lower my student payment. They took 

all my information and told me what the monthly cost would be and then after 4 months 

it was to drop down. They also said not to pay anything to FED Loan as they will 

handle everything. My loan wasn't getting paid and when I called Ameritech they told 

me I still had to pay my loan. I told them that was stupid as I am paying more than 

what I was and I would never have agreed to that. I told them that is not how it was 

explained to me. Once I got your letter I tried calling Ameritech and was put on hold 

and then they hung up on me. I have called my bank and done a stop payment.

290 97383714 07/03/2018 Ameritech

Consumer has rec'd an FTC v. Ameritech letter. She has enrolled with their Student 

Loan Forgiveness program in 2015 or 2016. She is currently paying $99 a month. 

UPDATE 07-03-2018 Consumer is calling to report that she attempted to contact 

Ameritech and they were not able to help her cancel her membership or get her a 

refund. 

291 97383781 07/03/2018 Ameritech Consumer reports she has been paying Ameritech $82 monthly for over a year and 

hasn't received the service they promised.

292 97383786 07/03/2018 AmeriTech Financial

i signed up with Ameritech Financial under the impression that the money every month 

was going to my student loans. I received a letter from FedLoan saying i owe them 

amount and called Ameritech and they ensure that i was caught up on my payments 

never saying it was just monthly payments for them and not to my student loan. I later 

found out they never paid one bill to my fedloan account, but telling me the same 

information that i already knew from my fedloan account. I spoke with the customer 

service about what was all the money i have been paying for. Customer Service laugh 

and said you and alot of people thought we been paying your loans and no they dont 

do that. they collect money for there service and are hired by fedloan. customer service 

told me that the amount of money I owe was not the concern but be thinkful they have 

put your payment on deferred payment. they only take my paperwork and file it for me 

is all..TOPIC:Referrals

293 97383818 07/03/2018 Ameritech

The consumer is reporting against Ameritech. The consumer has been paying for 

sons student loan.The consumer does not know the amount that he has been paying. 

loan since September of last year.The consumer will call back with amount of money 

that was spent.

Ortiz Attachment A - 54

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 55 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

294 97383830 07/03/2018 Ameritech Financial

Consumer received a letter from the FTC about Ameritech Financial. Consumer stated 

that she first talked to them last year. Consumer stated they deferred her loan and she 

stopped making payments. They did increase her payments because of how much 

money she is making. They were suppose to help pay off her student loans but didn't 

do so. They told the consumer that she will need to pay $99 a month to help pay off her 

loan. Consumer received a letter in the mail from Ameritech.

295 97383863 07/03/2018 Ameritech Consumer got a letter from the FTC about the Ameritech Complaint. Consumer sent 

$900 to Ameritech at $100/ month for a debt management program.

296 97383894 07/03/2018 Ameritech Finanacial

Back in June -July 2016 I received a call from a Ameritech Financial education 

company representative advising how to have lower payments going toward my federal 

student loans and the number of repayment years will be lowered, everything sounding 

good, I signed up and I have been with them ever since, they call and send emails 

when to re-register for payment withdrawals. Now I have received a letter from FTC 

that Ameritech has not been paying my student loans. I called Navient Student Loan 

and they indicated my student loan has not been paid in 2 years. Ameritech currently 

withdraws $99.00 from my account Other-Other Update

297 97383902 07/03/2018 Ameritech

Consumer states that he was scammed by Ameritech. Consumer states that he 

started paying them 193 a month. Consumer states that he just received a letter from 

asking him to call . Consumer wants to know what else he should do.

298 97383904 07/03/2018 Ameritech

Consumer reports that he got a letter from FTC concerning the Ameritech lawsuit. He 

has sent them money and they have not paid any student loans. Consumer saw an ad 

for Ameritech online and has paid them a great deal of money.

299 97383919 07/03/2018 Ameritech Financial

Consumer received a letter in the mail from the Federal Trade Commission about 

Ameritech Financial. Consumer stated that they didn't help with her student loans. 

Consumer stated that she started paying $132 a month. Consumer received a new job 

and her payments changed to $82 a month. Consumer stated that she just renewed 

the services January 2018. Consumer received a yellow card in the mail about 

Ameritech.

300 97383950 07/03/2018 Ameritech

Consumer is calling to report that she received a call Ameritech offering their services 

to consolidate student loans. Consumer contacted them and set up payment plans with 

the company. Consumer states that she has paid $149 a month.

301 97383965 07/03/2018 Ameritech Financial

I answered a mailout where Ameritech Financial offered to help me enter the Student 

Loan Forgiveness Program. They promised to pay my school loan for a nominal fee 

and after paying for 3 years my entire school loan would be forgiven. Up to this point 

they have claimed to be paying the minimum payment for my school loan. They have 

been servicing my loan for at least two years.

302 97384011 07/03/2018 Ameritech Financial The consumer has a complaint against Ameritech Financial, a debt settlement 

company for his student loan.

Ortiz Attachment A - 55

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 56 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

303 97384023 07/03/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

304 97384028 07/03/2018 Ameritech Financial

Consumer received a letter from the FTC about Ameritech Financial. Consumer 

thought she was paying her loan off until she received this letter. Consumer went 

online looking for different places to help with her student loan. Consumer found out 

about Ameritech and contacted them by a phone call and emails. Consumer paid them 

monthly out of her bank account of $82. UPDATE: 07-03-2018 The consumer is 

reporting that called American Tech and when she called them to cancel her card they 

said they were to busy to contact them back and she called a 2nd time and they said 

they could not get back to her to next. 

305 97384033 07/03/2018 Ameritech

Consumer has rec'd a FTC v. Ameritech letter in the mail. She was enrolled for seven 

months and paid $82 a month. She has contacted Ameritech and asked for a full 

refund and they agreed to partial refund. She has canceled her services.

306 97384138 07/03/2018 Ameritech Financial

Consumer states that he received a notice in the mail in regards to the Ameritech 

Lawsuit from the FTC. Consumer did have a membership with the company up until 

two months ago but began his membership with them in may 2016 with a 207 dollar 

payment every month then dropped to 99 dollars in may of 2017 and cancelled his 

membership in May of 2018 totaling his payments to 3672 dollars. Consumer 

requested his money back from Ameritech in May and was argued with by a supposed 

supervisor and was not offered any refund.

307 97384143 07/03/2018 Ameritech Financial

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

reports that she was promised to forgive her loan paying of her student loan stating her 

loan amount would be lower. Consumer has paid $168/month for 2 years and the last 3 

years she was paying 99/month debited from her account.

308 97384147 07/03/2018 Ameritech Financial

My income based reimbursement payments became too expensive for me to keep up 

with in the fall of 2107. I was in default. Ameritech Financial reached out to me via 

postal mail. I received many offers for help with loan repayment and forgiveness. 

Ameritech was the complany I decided to call. It took several long phone calls and 

many, many emails to complete the process. When I asked what the different amounts 

of the monthly payment went toward, they told me that $307 went toward them and $20 

went to Navient. When I asked why those were the amounts, they told me I was paying 

the $307 monthly as a fee for them to act on my behalf to lower my student loan with 

my lender Navient. That is the way I have understood it. They led me to believe they 

were a service that was acting in my best interest. They have taken $307 out of my 

bank account from December 2017 until May 2018. They took $99 out of my bank 

account in June 2018.

Ortiz Attachment A - 56

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 57 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

309 97384159 07/03/2018 Ameritech Financial Education 

Benefits Center

Consumer received a letter in regards to the FTC v. Ameritech Financial Education 

Benefits Center lawsuit. Consumer states that she was contacted by the company in 

unknown manner and the consumer has been paying the company $82 per month and 

consumer states that none of the money has went to the consumer's student loans. 

Consumer did not have a monetary amount paid at time of report. Consumer states 

that the company told her that if she paid the $82 per month for 25 years, the 

consumer's student loans would be forgiven.

310 97384160 07/03/2018 Ameritech

Consumer is calling because he received a letter form the FTC from the FTC VS 

Ameritech. Consumer states that he received a letter in the mail from Ameritech 

offering to help him with his student loans. Consumer signed up for the companies 

services and has paid $107 a month.

311 97384247 07/03/2018 Ameritech Financial

I became involved with Ameritech Financial in June 2016. I received 3 post cards in 

the mail prior, stating that they can reduce my student loan debt. I called the number 

on the card after researching the company (all reviews were good at the time). They 

told me if I paid $1,227 at first, and then $99 a month after, my loans would be forgiven 

after 10 years because I am a teacher. Soon after I signed up, my perkins loan was 

paid off and I was approved for the IDR plan for my federal student loans. Yesterday 

(7/2/18), I received an email that my FSA password was changed (which I never did). I 

logged in and changed my password to FSA and Fedloan servicing. My IDR plan 

request was received by Fedloan servicing on 7/2/18, which was submitted by 

Ameritech Financial.

312 97384277 07/03/2018 Ameritech

Consumer received a call from Ameritech telling her that they could get a student loan 

forgiveness. She gave her SS number and her debit card number. Consumer told her 

mother about the situation told her that it might be a fraud. She received a letter from 

The Federal Trade Commission regarding the case being taken against the company. 

She canceled her debit card before any money could be taken out.

313 97384300 07/03/2018 Ameritech

Consumer stated he got a letter from FTC about Ameritech Financial. Consumer state 

that he was contacted by Ameritech to consolidate his student loans. Consumer stated 

he has paid at least $2500.

314 97384307 07/03/2018 Ameritech

Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. 

She signed up with their service to get her student loans paid and they have not paid 

any student loans. Consumer contacted them as a referral from her mother.

315 97389709 07/03/2018 Ameritech Finaancial

I received a letter from FTC stating that Ameritech does not make payments on my 

behalf to my student loan provider. During my contact with Ameritech I was advise my 

monthly payments of 287 would be paid to my student loan provider Naviant. I gave all 

my financial information to Amertiech including a recent tax w2. I felt I have been lied 

to to become a member of Ameritech.

316 97389715 07/03/2018 Ameritech Consumer got a letter from the FTC on the Ameritech Complaint. Consumer may need 

to close her bank account on the bank debit draft.

Ortiz Attachment A - 57

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 58 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

317 97389719 07/03/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial ,Financial 

Education Benefits Center. Consumer received letter from FTC regarding the recent 

lawsuit that was filled against this company.

318 97389762 07/03/2018 Ameritech Financial Consumer received a letter from FTC in regards to Ameritech Financial. Consumer 

has been paying a monthly fee for his student loan consolidation.

319 97389765 07/03/2018 Ameritech Financial 

I was contacted by Hollee Landreth with a great opportunity to reduce my loan 

payments to zero and pay them as they put it, a proposed amount over 30 years of 

saving $188,700 proposed to my current amount of $224,400. I paid $800 down 

payment, (I show that on paper and would have to check bank records, than $162 first 

payment, $132 2nd-33rd payment , $119 annually thereafter, which i instead asked 

them to reduce when the year was over to $99 a month which I’ve been paying since. I 

thought it was odd when the payment name changed. They said it would be recertified 

annually what I would pay Nelnet based on my income. They also said after 10 years if 

I started working for the Government my student loans would be forgiven. When they 

proposed $132 a month after the down and first payment, verses $1100 a month for 

student loans, and it’s currently showing 0 monthly (because Nelnet also did the 

income based, I was not aware thats all I had to do). I feel ignorant and scammed! 

***Please advise how I get my money back? It’s been a hard financial journey meeting 

these monthly payments and they don’t even REDUCE my loan balance***

320 97389766 07/03/2018 Ameritech Consumer states she received 2 letters from the FTC in regards to Ameritech.

321 97389784 07/03/2018 Ameritech Financial

Consumer calling to report he was part of the Ameritech Financial Scam and is calling 

to follow up on what he has to do. Consumer has not received the letter from the FTC 

regarding the steps to take. Consumer stated he came in contact through mail with 

them and has sent an estimate of $2000 he states that they would take out roughly 

$350 every month out of his bank account.

322 97389839 07/03/2018 Ameritech Consumer reports she has been making payments through Ameritech for her student 

loan. Consumer states they refused to give her a refund.

323 97389885 07/03/2018 Ameritech Financial

Consumer reports they received a call from Ameritech Financial offering to lower their 

monthly rate for their student loan and cut the loan in half due to being a teacher. 

Consumer reports they requested for a fee. Consumer complied and paid $100 a 

month.

Ortiz Attachment A - 58

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 59 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

324 97389887 07/03/2018 Ameritech Financial

After being out of college for 13 years, I still owed a little more than $40,000 in student 

loans. I received a flyer in the mail about a loan forgiveness program in 2016 and 

called the number listed. I spoke at length to a representative named Brianna who 

explained that, with their program, my debt amount including interest that would be 

forgiven was around $75,000 over the next ten years. I paid an enrollment fee of $227 

then monthly payments beginning at $207 and reducing over a period of time until my 

payment was finally $99 each month which is what I currently pay. They have ALL of 

my info ... tax returns, bank account number for deducting payments, FSA login, etc. 

They changed my FSA login and every time I question anything, I am assured that they 

are taking care of things and there's nothing I should be doing. They also told me on 

the front end, that if I cancelled their services or paid anything on my own toward my 

loans, the contract would be null and void and that I would owe all of my loans with no 

forgiveness. After getting the notice from you guys, I am very concerned! Please help!

325 97389893 07/03/2018 Ameritech Financial

Consumer received a letter from FTC. Consumer states the letter was referring to the 

Ameritech Financial, Financial Education Benefits Center (FEBC). Consumer states 

they are falsely claiming the consumer was eligible for federal programs that would 

permanently reduce their monthly debt payments to a fixed low amount or result in total 

loan forgiveness. Consumer states when she has called to cancel the services. They 

have not taken out money from her account. Consumer states she has lost $1300.

326 97389962 07/03/2018 Ameritech Finacial

Consumer states that she wanted to make a report against Ameritech because she 

was a victim of the scam. customer.service@ameritechfinancial.com Consumer states 

that she was told Ameritech could not give refunds.

Ortiz Attachment A - 59

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 60 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

327 97390053 07/03/2018 Ameritech financial 

I got a letter from Ameritech stating they would get my student loan debt to be forgiven. 

I thought the letter was an official government document. I called and was told they 

would reduce my loans and in 10 years my loans would be forgiven. He said my 

student loan monthly payment would be $0 and all I would have to do is pay them $173 

every month for tbe 10 years. He explained this would wipe out all student loan debt 

including interest which would save me $100,000 if i signed up. He then asked me to 

pay $20 up front and then my payments of $173 began. The phone call was rushed 

and he made it sound like by doing this all my student loans and interest would be 

forgiven. After a week I began to realize this was a scam. I called and told them I did 

not want to be in this program anymore. He argued with me and I asked for a 

supervisor. I told the supervisor this was a scam and I wanted my account closed and 

a refund. I was only refunded $20. After reading the letter from FTC regarding 

Ameritech, I called to get my refund. The man said no, my account had already been 

closed. I said this was a scam and Ameritech is being sued for deceptive practices. He 

said this was not proven and I would not be getting a refund. I hung up the phone. This 

company is a total scam.

328 97390079 07/03/2018 Ameritech Financial

They spun a pretty compelling story concerning how complicated the paperwork is to 

get enrolled in a federal income-based repayment plan, and that it was almost 

impossible for a layman to do it without help. They then lied when they told me what my 

payments would be. I later found out that I actually qualified for a $0 payment during 

the time I was enrolled with them, but they charged me something like $270 per month. 

I had no idea the money I was paying them was not going to my debt at all. I can't 

really remember now how I found out the truth about the nature of this company. When 

I demanded to be disenrolled from their program, they actually pitched a pretty hard 

sell to try and keep me as a customer, claiming that I could actually get in legal trouble 

if the paperwork wasn't completed correctly. They finally gave up when I told them that 

I reported them to the Department of Education and that I was going to file a complaint 

against them. In total, I think I gave them close to $2500 dollars that were completely 

unnecessary. It was essentially theft. Also, if you recall, I qualified for a $0 payment for 

my student loans based on my poverty level income, which meant that I was very poor 

at the time, and could barely pay my rent, so this theft was exceptionally damaging to 

me at the time. I would really like to find out that there is a class action suit against 

them, and that I could get my money back. Either that or I would like to find out that at 

least some people went to jail over this. This was extremely evil of them to prey on 

people who were already exceptionally vulnerable. I really hope you crucify them to the 

fullest extent possible. Thank you.

Ortiz Attachment A - 60

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 61 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

329 97390094 07/03/2018 Ameritech

Consumer states that she/he received a letter from the FTC stating to be suing 

Ameritech due to deceptive practices, consumer states he was offered assistance with 

reducing his student loan from Ameritech. Consumer states that he was told if he paid 

$150 a month, they were able to forgive her loan. which he found out that no payment 

was going to his student loans. consumer wants to know how he can retrieve her 

money and where to receive additional information.

330 97390112 07/03/2018 Ameritech Financial

Consumer states that she received a letter in regards to Ameritech Financial and the 

lawsuit against them. Consumer has been a member with them since June 2017. 

Consumer called Ameritech and was told that someone would get back with her in 

regards to her request to cancel and her refund. Consumer has paid in total 2055 

dollars. (((Consumer had a question about the chances of taking a settlement with 

Ameritech effecting possible payout with the FTC if a refund is administered by the 

FTC at the conclusion of the case, Consulted a C2 and spoke with Mona and was 

instructed to have the consumer call back in the afternoon Thursday and to request a 

supervisor who could then consult with the FTC for a better answer for her question.)))

331 97390139 07/03/2018 Ameritech Financial

Consumer reports they received a call from Student Loan Forgiveness Center offering 

to consolidate their student loan debt. Consumer reports they do not have a student 

loan. Consumer reports they requested for personal information.

332 97390160 07/03/2018 Ameritech Consumer called to report that she received a notice in the mail regarding Ameritech. 

Consumer was promised to have her loans paid by making monthly payments. 

Consumer has been making 99 dollars a month since September of 2015.

Ortiz Attachment A - 61

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 62 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

333 97390165 07/03/2018 Ameritech

I received a call from an agent stating that with my student loans, that i qualify for a 

specific program. With this program i would be able to reduce my debt and a short 

phone call and they would be able to determine what they could do. So to entertain 

this, i as am eager to start paying back my student loans at the time, they informed me 

they could reduce the amount down to around $350. so i decided to give it a shot as i 

have read some good things about this company.After signing up, they wanted to auto 

debit money out of my savings, so i had the account blocked. i spoke with the 

gentlemen, but they had already jumped into all of my financial program accounts and 

changed the passwords to what ever they wanted. The person, Muris told me that if i 

wanted to get the discount,i had to remained signed up with them and there was no 

way to get my student loans down outside of the program. I gave it another shot and 

sent all my information to them, i noticed after 2-3 months, they continue to email me 

saying items were missing even thought i gave them everything so for 4 months i was 

paying these people, but not receiving any services or anything from them. I called to 

get my money but i was given the wrong phone number and it continued to be a 

massive circle of pass the call. I collected all the information and was in the process of 

sending when i got the noticed. i called to inform them of everything that was going on 

and only willing to refund me back last month, even after i had emails leading back to 

febuary demanding i be removed from this program UPDATE 07/03/2018: Consumer 

called back to know what to proceed with regarding Ameritech. 

334 97390168 07/03/2018 Ameritech

Consumer stated that she got a letter from FTC about Ameritech. Consumer stated 

that Ameritech contacted her to forgive her student loans. Consumer stated she has 

paid amount $9100

335 97390172 07/03/2018 Ameritech Financial

I contacted Ameritech to consolidate my student loans and they went over my loans 

and said that they would reduce and make my payments. They said it would be 

$800.00 fee and I would pay $173.00 a month for first year to cover fee and $99.00 a 

month after that and they would make payments to AES. Originally the company was 

called Global Client Solutions, LLC, 4500 S 129th E Ave, Suite 175, Tulsa OK, 74134, 

Phone: 800-398-7191' email: customersupport@globalclient solutions.com.

336 97390281 07/03/2018 Ameritech

Consumer states that she received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states she was offered assistance with reducing 

her student loan from Ameritech. Consumer states that she was told if she paid $173 

for the first 12 months and $99 a month until present day, they were able to forgive her 

loan. which she found out that no payment was going to her student loans. consumer 

wants to know how she can retrieve her money and where to receive additional 

information.

Ortiz Attachment A - 62

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 63 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

337 97390320 07/03/2018

Ameritech Financial |Financial 

Education Benefits 

Center|Reliant Account 

Management

When I was talked with the people over the phone at Ameritech they seemed very 

helpful and knowledgeable, but yet I felt very confused after our conversations. We 

were still in the process of getting the documents filled out and the company had 

already charged me even though no payments were supposed to happen for another 

month. (This was eventually refunded). The process of filing for different loan 

forgiveness forms was never completed, just strung along...for a year now. At first, the 

company was persistent about contacting me. When I started to question more and 

more of what they were saying and doing, they started to contact me less and less, but 

when we did communicate later on, they were not as friendly. They have pressed me 

to give them my SFA account information again which I had changed once I began to 

feel unsure about the company. In the beginning of the entire process, Ameritech was 

trying to have me sign up for all sorts of "extras" one being with the Finacial Education 

Benefits Center which had an entire process of getting off of their sheets/services. 

I communicated with a Kevin Thornton and a Danielle Crane at Ameritech Financial. 

kevin.thornton@ameritechfinancial.com 

danielle.crane@ameritechfinancial.com

338 97390363 07/03/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial ,Financial 

Education Benefits Center . Consumer states he paid $99/ month for 3 Years. 

Consumer received letter from FTC regarding the recent lawsuit that was filled against 

this compamy.

339 97390397 07/03/2018 Ameritech Financial

Consumer states she received a letter from the FTC regarding a lawsuit against 

Ameritech Financial and would like to file complaint. Consumer states she heard an 

advertisement which made her call Ameritech Financial. Consumer states she called 

them and they offered her to help lower her monthly payment on her student loan. 

Consumer states she does not remember that they requested that she pay an upfront 

fee. Consumer states she has been paying $174 a month but she has now cancelled. 

Consumer states she did receive a letter from her lender stating her student loan had 

not been paid.

Ortiz Attachment A - 63

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 64 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

340 97390475 07/03/2018 Ameritech Financial

I contacted Ameritech Financial after receiving several letters in the mail regarding 

student loan consolidation and loan forgiveness. I contacted them on 5/23/17. I had 

already had my loans consolidated with Fed Loan Services but the payments were 

over $700 a month. I was led to believe that Ameritech Financial would be settling with 

Fed Loan services and I would only be making 1 payment a month-to Ameritech. Then 

I found out that is not the case, I have to pay Ameritech AND Fed Loan. I was also led 

to believe that my payments would be reasonable, and they are--with Ameritech. I am 

now having to pay Fed Loan $732 a month + $99 to Ameritech. I was paying $700 to 

Fed Loan before I joined Ameritech, so why would I pay another $99 to anyone. I 

cancelled my membership and filed a complaint with Ameritech Financial as of 7/3/18.

341 97390477 07/03/2018 Ameritech Financial

Consumer reports they contacted from Ameritech Financial offering to lower their 

student loan monthly payments. Consumer reports they requested for up front fees. 

Consumer complied. Consumer was told the loan would be forgiven in 10 years.

342 97390550 07/03/2018 Ameritech financial

I have been paying my student loan through Ameritech Financial for serveral months 

now. And now a letter that came in the mail the other day is stating that they have not 

been paying my student loan with the money I've been paying every month. I have 

contact them to cancel my membership with them and I did ask for a refund and they 

said no.

343 97390568 07/03/2018 Ameritech Finacial

Consumer states that she wanted to make a report against Ameritech because she 

was part of the scam. Consumer also states that they not answerer their phone. 

Consumer states that they have deleted emails they have sent her.

344 97390572 07/03/2018 Ameritech

I received a flier at work from ameritech and I called to try to receive debt releif for my 

loan. My monthly payments were too high and I was told by ameritech that they could 

reduce my payments to 173$ monthly plus a $66 document fee. I have been debited 

173$ for the past 12 months totaling $2076 plus $66 doc fee. I called ameritech once I 

started getting late payment notices from my Loan company. I called to ask why I was 

receiving late notices because I have been paying them every month ontime. They 

told be that I have to pay the loan company separatly. I responded telling them that I 

was told by a representative named John that the $173 will be going to my loan 

balance. Ameritech responded saying they dont recall that conversation. I since 

canceled my payments but am out over $2000

Ortiz Attachment A - 64

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 65 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

345 97390576 07/03/2018 Ameritech Financial

In late 2015 or early of 2016 I started recieving letters in the mail about Ameritech. I 

ignored them for a while and then after several I decided to call because my student 

loan was high. I talked to the representative and wasn't sure if I should do it. I even 

asked if this was there child... would they recommend it. Until 2 months ago... I 

thought that my payment to Ameritech was going to Nelnet (student loans). I just 

found out that ALL OF MY payments have been going for a "fee" to Ameritech for 

"handling" my account! It's SO so frustrating! I've been paying Ameritech since Feb 

of 2016. So for 2.5 years I've been making payments to Ameritech and my student 

loans have stayed the same. Please help make this right. They also got into my 

FSFA account and requested that I unlock it so they can have access to it. Thank you 

so much! 

346 97390611 07/03/2018 Ameritech Financial

Consumer reports they received a call from Student Loan Forgiveness Center offering 

to consolidate their student loan debt. Consumer reports they do not have a student 

loan. Consumer reports they requested for personal information.

347 97390699 07/03/2018 Ameritech Financial

I have been working with Ameritech for 2 years regarding consolidation of my student 

loans.I paid them 2,277.00, these payments began in May 2016 and ended in March 

2017. The 2,277.00 were divided into payments of 207 during this period. I have also 

provided tax documents/paycheck stubs to this company for 2016 and 2017, so they 

could estimate my monthly payment. Since April of 2017 I have been paying 99.00 a 

month. I recently received a letter from the Federal Trade Commission advising me, 

there is a lawsuit against Ameritech and I should take action. Other-Other Update

348 97390704 07/03/2018 Ameritech Financial

I got what I thought was a legitimate letter from Ameritech in the mail. Everything 

sounded legit when I set up my account. I was looking forward to getting my loans paid 

amd improve my credit score. They deduct the payment from my checking account 

every month for the last 13 months for a total of $1066.

349 97396035 07/03/2018 Ameritech Financial

I was contacted by Ameritech Financial as a service provider for student loan 

counseling. I became a customer because they convinced me that my student loans 

would be forgiven and I would pay a lower monthly fee, however, I have not seen any 

results at all and have been getting charged monthly for their service that is getting me 

nothing.

350 97396094 07/03/2018 Ameritech Financial 

I enrolled into Ameritech in March of 2016 after I was sent an informational card 

through the mail. At the time I was current on my school loan that i had through Great 

Lakes. Dan, the rep that contacted me told me about their “loan forgiveness. I was 

made to believe that Ameritech would take over my loan and that I would pay much 

less than the $267 I was paying. i agreed to pay $207 for the first 11 months and $99 

each month after. Im shocked to learn that i have been paying for nothing! I hope i can 

get my money back and put it towards my loan!

Ortiz Attachment A - 65

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 66 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

351 97396096 07/03/2018 Ameritech Finacial

 

in student loan forgiveness and an income driven repayment plan. I had been receiving 

letters in the mail from numerous student loan forgiveness providers, however, 

Ameritech stood out and I contacted them. I needed help with processing an 

application to consolidate my student loans, Public Student Loan Forgiveness, and 

applying for an income driven repayment plan. On 05/23/17, I spoke with a 

representative who explained the benefits and encouraged me to sign up. He informed 

me that they do not take money upfront for their services but told me to void a check 

and have two electronic bank debits in the amount of $125 (Draft date 6/1/17) and 

$225 (Draft date 7/1/17). Ameritech had me pay Reliant Account Management (RAM) 

(3rd party) for their AmeriTech services. Although Amitech said i would only pay $125 

and $225 on the above mentioned dates, bank statements indicate I paid $133 and 

$332. I paid an additional $115, which i had not agreed to pay. The option to cancel 

with Ameritech Services was discussed during my initial phone meeting with rep David 

who stated I could cancel at any time. I indicated i would like to cancel immediately 

upon my application being processed. I was told I could not cancel then and that I 

needed to cancel at a later date. On 05/30/2018, i signed my "Notice of Cancellation" 

form and sent it to Financial Education Benefits Center: Customer Service Department. 

I was still charged $99/mo from June 2017 until receiving the lawsuit notification from 

the FTC in July 2018, but since I had canceled my services with AmeriTech, I assumed 

I was being charged $99 for my income driven repayment plan and it was going 

towards my student loan debt. In May 2018, I received a notice from My Great Lakes 

stating I needed to resubmit my application for the income driven repayment plan, 

which i did and submitted on my own. On 06/30/2018, I received a notice from the FTC 

informing me that AmeriTech is being sued for deceptive practices. I called because I 

then became concerned about what i was being charged $99/mo for. On 07/03/2018, I 

spoke with Customer Service Rep. Ethan and inquired about the lawsuit. Ethan 

disregarded it and explained the services they claim to provide. He stated they submit 

documents on my behalf to reapply for the income driven repayment plan. I told him 

they failed to provide services as I had already submitted my documentation myself. 

He transferred me to a Supervisor Gabriel Anderson who said there was a glitch in 

their system and would refund me the past 3 months of RAM payments due to failed 

352 97396178 07/03/2018 Ameritech Financial

Ortiz Attachment A - 66

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 67 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

353 97415438 07/03/2018

Ameritech Financial|Ameritech 

Financial|St Bonaventure 

University

CFPB Issue Type: Struggling to repay your loan | Problem lowering your monthly 

payments --- What Happened: I had been contacted by Ameritech in September 2015 

about my student loans from St. Bonnies and how the could lower my payments and 

have my student loan forgiven in 10 years. I did provide documentation, like pay stubs, 

to Ameritech and they had processed the information that I had provided them and I 

did start making payments of approximatly 120$ per month. This continued for nearly 

1 1/2 years with my loan amount not decreasing (even the interest was not decreasing, 

since the principle was not being paid upon). I did speak with Ameritech in early Jan. 

2017 and told them that I was cancelling my service with them since my payments 

were not being used to pay down my student loans. --- Have contacted: CC Issuer --- 

Fair Resolution: I would like a refund from Ameritech. I have tried already contacting 

them today 7/3/2018 at least 5 times and I have been hung up on. --- School Unit ID: 

 --- School OPE ID: 

354 97415448 07/03/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Confusing or misleading advertising or marketing | --- What 

Happened: The original reason I went with Ameritech is to consolidate all of my student 

loans. I was told that they were working with the Federal Government and that they 

were the only third party company that was working with the Federal Government to 

consolidate loans. They charged me $178.00 per month for no reason. They originally 

said it was for processing. This money has not gone towards my student loans at all. --- 

Fair Resolution: I feel a fair resolution would be a full refund on services provided by 

Ameritech Financial.

Ortiz Attachment A - 67

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 68 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

355 97415523 07/03/2018 Ameritech Financial|Ameritech 

Financial

CFPB Sub product: Federal student loan debt --- CFPB Issue Type: False statements 

or representation | Told you not to respond to a lawsuit they filed against you --- What 

Happened: I have been with Ameritech since 2016. I was told that this payment would 

go towards a larger payment for so many years and then my loan would be forgiven. 

Today, after I told them that I received information that they were not doing that, they 

said, " We have always said we don't pay towards the loan," which is not how they sold 

me to be a part of this program. I have given them well close to 1500, and not one 

penny has went to my loans. I feel decieved. The supervisor told me not to terminate 

membership because I am almost done with some type of fees, that would guarantee 

me my loan forgiveness. I am a single mother struggling to make ends meet, and then 

to find out, all my money was given to a service that I have never used, FEBC. 

Throughout all three years , I have never used the service. At one point, I thought it 

was spam. He would not give me any refund, not even the payment they took today. I 

also can not contact FEBC, they will not answer. Please help me! --- Have contacted: 

CC Issuer --- Fair Resolution: It would be fair to offer some type of refund since I was 

deceived and I never used the service. I thought that they were legit, but he was 

consistent in telling me it was my fault and I agreed to it, so he doesn't have to do 

anything.

Ortiz Attachment A - 68

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 69 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

356 97415562 07/03/2018

Ameritech Financial|Ameritech 

Financial|MICHIGAN STATE 

UNIVERSITY

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: Ameritech Financial stated that they could help 

me with lowering my monthly payment with the federal loan agency, that I would still 

have my payments counted under the loan forgiveness plan and they would be happy 

to take care of the communication with them directly to process everything. It sounded 

like they had a great partnership working with one another to help hard working 

Americans help pay off their student loan debt a little more easily. I made 6 months of 

payments to Ameritech and none of those payments went to my federal loans nor was 

the 6 months count towards my loan forgiveness plan. Something told me to check 

with the federal student loan agency directly and that is when I learned that they were 

not getting any payments nor were those payments being counted for loan forgiveness. 

--- Have contacted: CC Issuer --- Fair Resolution: I called Ameritech to cancel with 

them which seemed like a fairly easy process, but they would not send me back all of 

my money. I restarted my payment plan directly with Fed Loans. I also contacted my 

United States Senator Gary C Peters because I was afraid many other Americans 

were being taken advantage of. If I remember correctly, I believe my payment was 

$296 a month, times that by the six payments/months of payments made, the total 

payment is $1,776.00. I would also like to advocate that the Fed Loan Servicing give 

me the six month time added towards my 120 month payment plan (loan forgiveness 

program) and Ameritech Financial should be responsible to pay them for the six month 

credit to give to me. I know the Fed Loan agency should not have to legally grant me a 

six payment reduction since they had nothing to do with it but Ameritech is certainly 

responsible to me and the Fed Loan. Thank you for your time. Respectfully, 

--- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 69

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 70 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

357 97415588 07/03/2018

Ameritech Financial|Ameritech 

Financial|Kaplan UniversityDavenport Campus

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: About 2 years ago I received a piece of mail 

stating that I was eligible for a Full Federal Student Forgiveness Plan with Ameritech; 

However, I have not seen any payments being made to my Loan provider. My student 

loan has actually accumulated over $19,000 dollars in Interest and I keep getting 

Monthly Statements. I Called Ameritech and asked Why there were no payments being 

made to my lender But money was still coming out of my account on a monthly basis. 

The Gentlemen I spoke to assured me "that payments where being made to my 

lender." He continued with explaining to me that I would keep getting Statements from 

my lender until my loan was completely paid in full. I am having a hard time believe 

anything is being paid to my loan and would like this resolved with a Full Refund so that 

I can actually put this on my Student loan. --- Fair Resolution: I think it would be fair if 

Ameritech gave me a Full Refund so that I can actually put it on my Loan. --- School 

Unit ID: --- School OPE ID:

358 97415590 07/03/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Fraud or scam | --- What Happened: I have attempted to contact 

Ameritech regarding the payments I have been submitting to them monthly in the 

amount of $99.00. I also paid them document fees that were over $1200.00. I have 

been paying this company for years and this was a complete scam because I could 

have done the paperwork myself. I did do the paperwork myself. All they did was send 

it in for me. --- Have contacted: CC Issuer --- Fair Resolution: I am requesting all of the 

refund for the years of taking my money for no reason at all.

359 97415611 07/03/2018

Ameritech Financial|Ameritech 

Financial|Harrison CollegeIndianapolis

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I signed up with Ameritech Financial to help 

with loan forgiveness. July 24th, 2017 the first payment of 39.00 was drafted from my 

account. There has been 39.00 drafted every month since then. I also signed up with 

student loan services that drafted 99.00 every month since that time as well.I received 

a letter from the Federal Trade Commission stating that there was a lawsuit with 

Ameritech Financial and that I should cancel my account with them. I emailed 

Ameritech Financial on July 3rd regarding the lawsuit and inquiring about cancelling my 

account. I will be calling my financial institution as well to put a hold on the withdrawals 

from Ameritech Financial as well as Student Loan Services. --- Have contacted: CC 

Issuer --- Fair Resolution: What would be fair is that I be reimbursed for the lack of 

services provided. No payments have been made to the Department of Education on 

my behalf. --- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 70

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 71 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

360 97415771 07/03/2018

Ameritech Financial|Ameritech 

Financial|Montclair State 

University

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: As a customer of Ameritech Financial I was not 

informed that the forms that I filled were available for free and that their service was 

unnecessary as I filled out all the forms and mailed. I am also concerned about identity 

theft because I have give out some very sensitive information (such as los in username 

and password to my fed loan account and website) Im afraid that im involved in fraud. 

Ameritech Financial did not make payments towards my loan and my interest has been 

accumulating. --- Have contacted: CC Issuer --- Fair Resolution: I would like to have 

appropriate refund and my interest also on the loan --- School Unit ID: --- 

School OPE ID: 

361 97415821 07/03/2018 Ameritech Financial|Ameritech 

Financial|Colorado Tech

CFPB Issue Type: Struggling to repay your loan | Problem lowering your monthly 

payments --- What Happened: I received a letter today on July 3,2018 from the Federal 

Trade Commission . However the letter was dated June 27,2018. The letter states that 

I am a customer of Ameritech Financial or a related company, Financial Aid Benefits 

Center in connection with my student loans. It appears that the Federal Trade 

Commission has sued Ameritech Financial for deceptive practices. I have been 

working with Ameritech Financial for a about a year now. Every month they take $50.00 

per month to apply towards my loans to get the rate lowered. I asked Ameritech 

Financial where was the fifty dollars going every month. I was told that it goes into an 

account. I got curious again, and called FSA and told them what Ameritech financial 

said, and FSA said that Ameritech financial cannot change the amount of loans that is 

owed to them. I was told that ; federal Student Aid will charge me a higher rate to pay 

off my loans. I also received a letter that my renewal is up in October. If that is so, and 

they have been sued, then how are they going to stay in business ? --- Have contacted: 

CC Issuer --- Fair Resolution: Find out where that money went too, or give me refund 

of the money that has been withdrawn as an attempt to reduce my amount so that I 

can turn it over to the Federal Student Aid office. Or they should be paying Federal 

Student Loan themselves, since they were the ones to withdraw the amount of 50.00 

dollars every month --- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 71

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 72 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

362 97415857 07/03/2018 Ameritech Financial|Ameritech 

Financial

CFPB Sub product: Federal student loan debt --- CFPB Issue Type: False statements 

or representation | Impersonated attorney, law enforcement, or government official --- 

What Happened: I was contacted by Ameritech financial over 2 years ago about having 

them help me to consolidate my federal student loans and submit the paperwork for 

loan forgiveness. Since April 11, 2016, I have been making monthly payments to them 

every single month with the expectation and impression that they would be forwarding 

the payment to my actual loan service.I received a document from the USA Federal 

Trade Commission stating that the payments I've been making are not being and have 

not been submitted to my student loan service, and that I should contact them to 

cancel as well as request a refund.I attempted to contact them via customer service 

phone number and after 3 minutes of being on hold- a busy signal comes on and the 

call hangs up. I attempted this 5 times. I then called the FTC phone number and per 

the recording was prompted to contact the CFPV to file a claim since I'm not able to 

contact Ameritech directly.I would like to get my money back so that I am able to make 

the payment directly to my student loan service, which I thought was being done all 

along.I have made the following payments:4/11/2016 $2075/1/2016 $2076/1/2016 

$2077/1/2016 $2078/1/2016 $2079/1/2016 $20710/1/2016 $20711/1/2016 

$20712/1/2016 $2071/1/2017 $2072/1/2017 $2073/1/2017 $2074/1/2017 $995/1/2017 

$996/1/2017 $997/1/2017 $998/1/2017 $509/1/2017 $5010/1/2017 $5011/1/2017 

$5012/1/2017 $501/1/2018 $502/1/2018 $503/1/2018 $504/1/2018 $505/1/2018 

$506/1/2018 $507/1/2018 $50 --- Fair Resolution: I would like to get my money back so 

that I am able to make the payment directly to my student loan service, which I thought 

was being done all along.I have made the following payments:4/11/2016 $2075/1/2016 

$2076/1/2016 $2077/1/2016 $2078/1/2016 $2079/1/2016 $20710/1/2016 

$20711/1/2016 $20712/1/2016 $2071/1/2017 $2072/1/2017 $2073/1/2017 

$2074/1/2017 $995/1/2017 $996/1/2017 $997/1/2017 $998/1/2017 $509/1/2017 

$5010/1/2017 $5011/1/2017 $5012/1/2017 $501/1/2018 $502/1/2018 $503/1/2018 

$504/1/2018 $505/1/2018 $506/1/2018 $507/1/2018 $50

Ortiz Attachment A - 72

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 73 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

363 97415874 07/03/2018 Ameritech Financial|Ameritech 

Financial|Texas Tech University

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: Ameritech Financial helped me enroll in a loan 

forgiveness program for being in public service (I am a teacher). They did not disclose 

to me that there would be a monthly payment to them for their services. I am currently 

paying them $108 a month through Reliant Account Management (RAM). I received a 

letter from the Federal Trade Commission stating that they are currently suing 

Ameritech Financial for deceptive practices. I am acting on the steps included on the 

letter I received. I have contacted Ameritech Financial with the intention of cancelling 

my account, but they have not called back due to unusually high call volume. It is my 

intention to seek a refund of the money I have given to them. --- Fair Resolution: I want 

my account to be cancelled and the monthly payments I have made to this point be 

refunded. --- School Unit ID: --- School OPE ID: 

364 97415889 07/03/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Struggling to repay your loan | Can't get other flexible options for 

repaying your loan --- What Happened: My complaint is with Ameritech Financial. 

They offered a student loan forgiveness program to me by phone in January 2017 

that basically cut my student loan debt to more than half I owe. I was told that my 

repayment would be for 20 years d/t the company I work for is a for profit facility. I had 

to pay a start up fee and for the first 6 months had to pay a specific amount then my 

payments were reduced to another amount for the remaining of my years. On January 

03, 2017, I electronically signed a form giving this company permission to access my 

student loan account and Once a year they ask for my log in info to my Navient 

account to make updates. On my Navient account there is no payment history of 

receiving any payments from Ameritech. When I click on each loan, it shows my 

original total is due at the end of my 20 years. I have no proof nor offered any proof 

that my monthly payments to Ameritech are being used toward the balance of my 

student loans. --- Have contacted: CC Issuer --- Fair Resolution: A fair resolution to this 

issue is to refund my payments back and or more d/t my personal information given 

out to a company with fraudulent intent for their personal gain.

Ortiz Attachment A - 73

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 74 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

365 97415971 07/03/2018

Ameritech Financial|Ameritech 

Financial|Indiana UniversitySoutheast

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I transferred my student loans to Ameritech 

Financial roughly two years ago. Upon transferring, they promised that I would receive 

student loan forgiveness after 20 years and that all I had to do was pay a monthly fee 

of $99 a month and they would manage my loans and help me reapply for my loans 

every year so that I would not have to do anything additional to keep them current. 

Once again, they promised after the time, my loan and the payments would drop off. I 

was unaware of the practices of not sending money to my loan servicer or paying 

toward the loan and am presently worried about the accrual of interest and what to do 

next regarding my loan. I would like to have access to a loan forgiveness program, but 

fear that it is not a program which currently exists. --- Fair Resolution: I would like to 

have a refund and do whatever it takes to get my loan back to the state it was in before 

Ameritech handled it. As well, I would like for them to provide information as to what to 

do next with my loans and any similar programs to the one in which I was previously 

enrolled. --- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 74

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 75 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

366 97415994 07/03/2018

Ameritech Financial|Ameritech 

Financial|University of 

Pittsburgh-Pittsburgh Campus

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I just recently received a notice from the FTC 

(Federal Trade Commission), dated June 27, 2018, notifying me that AmeriTech 

Financial, a company that I used with the intention of getting a lower monthly payment 

on my loan, is being sued by the FTC for deceitful tactics. I am filing a complaint in 

regards to being a victim to these deceitful tactics that they are being accused of 

practicing. When AmeriTech Financial first reached out to me, they told me that, with 

the help of an act created by President Obama, I would be eligible for a $20 monthly 

payment for the life of the loan until it was forgiven, as long as I first made five monthly 

payments of $168, starting on December 24, 2017 and ending on April 24, 2018. The 

way they worded it made it seem like these first five payments were going toward my 

loan and then my lower payments would be kicking in. AmeriTech failed to inform me, 

and other consumers, that the services they were charging for are things that can be 

done for free with the help of the Department of Education. What it boils down to is that 

AmeriTech used shady, deceitful tactics to make it appear that they were helping me, 

where in turn they were actually taking $840 from me for a service that they knew was 

offered for free by a government program.After receiving the notice from the FTC, I 

reached out to AmeriTech on the phone to inquire about a refund, only to be hung up 

on twice in a row. This is just another example of what kind of company AmeriTech 

Financial is. I hope people see this and use their due diligence when choosing a 

company to work with--I learned my lesson and I hope others learn from my 

experience. --- Fair Resolution: A fair resolution would be for me to receive a full refund 

of the $840 that was charged to me in five separate monthly payments of $168 and to 

have them reported to the BBB so that their company can be shut down and cannot do 

this to another consumer. --- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 75

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 76 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

367 97416001 07/03/2018

Ameritech Financial|Ameritech 

Financial|University of PhoenixArizona

 

about your loan --- What Happened: Ameritech Financial has not been paying any of 

my students loans although they have been extracting a monthly payment amount from 

my checking out. Ameritech Financial is a servicer in which they claim to consolidate 

your students loan for a cheaper monthly amount. However, i had to pay a percentage 

to Ameritech along with my payment plan in which Ameritech gains access to my 

educational loans and pays my loans. So they have claimed. For the past several 

months i was away deployed and received calls of Ameritech wanted more documents 

for my file. At the time i understood although i was suspicious in why they wanted more 

documents and pay stubs. I could barely talk and notified the person over the phone 

that i was not home and it would be a while before i was able to get any documents. I 

also knew once i arrived home, i will be able to sit down and better understand what 

exactly was wanted. Upon my return home in May, 2018, i began looking into my credit 

report and it stated i was behind one my students loans. I discovered my debt had only 

increased. Furthermore, i was receiving and still am receiving emails from Naveint 

stating i have been missing my monthly payments. This discovery became more so 

clear when on 07/02/2018 i received a letter from the Federal Trade Commission 

(FTC) stating that Ameritech has been sued for deceptive practices. I realize the 

money i have been paying since October 2017, has been going directly to Ameritech 

and not my loan debt. On 07/02/2018 upon receiving the letter from FTC, i called 

Ameritech regarding this whole issue. I was only greeted by a costumer messenger 

who would only take my contact info for a call back within 24hrs from a actual case 

manager or agent. At roughly 19:00 hrs EST time on 07/03/2028, i received a call from 

a Paul from Ameritech telephone number 916-330-5215. I discussed the issue in play. 

I requested to have my money back. Paul put me on hold on more than one occasion 

stating he will run it with the billing department. He then said it was denied. Paul was 

not understanding about the situation. He said he might only be able to give me the 

money for the services Ameritech was not able to complete. I told him no service was 

done since my monthly payments were not going towards my loans. I am now behind 

in more debt because of this deceptive practice to lure people in. I kept attempting to 

get my money back. It was also mentioned on the steps i should take according to the 

FTC letter. I had my membership/plan canceled. Paul said should have a conformation 

Ortiz Attachment A - 76

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 77 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

368 97416047 07/03/2018 Ameritech Financial|Ameritech 

Financial|Ashford University

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: Ameritech financial or a related company is in 

connection with my student loans. The federal trade commission has sued this 

company for deception practices, the court has not ruled as of yet, I want my money 

back and my personal information to be secured. I am taking the necessary steps to 

secure all of my personal information and in hopes of receiving all of hard earned 

money I have been struggling to pay. I was so happy thinking I was paying back my 

loan forgiveness and to my surprised being robbed of my money is totally not fair. I 

want justice for this and now I have to find another program. --- Fair Resolution: I 

respectfully am requesting that Ameritech to cancel my membership and refund my 

money I have sent to this company asap or when the court has ruled. My bank account 

has been restricted for Ameritech company to deplete any funds. --- School Unit ID: 

--- School OPE ID: 

Ortiz Attachment A - 77

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 78 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

369 97416115 07/03/2018 Ameritech Financial|Ameritech 

Financial|Gannon University

 

repaying your loan --- What Happened: I am submitting this complaint because I 

received a letter from the Federal Trade Commission notifying me of a lawsuit against 

Ameritech Financial (AF) and Financial Education Benefits Center (FEBC) for fraud. 

Basically, people were sent personalized mailers that falsely claimed they were eligible 

for federal programs that would permanently reduce their monthly debt payments to a 

fixed low amount or result in total loan forgiveness in regards to their student loan debt. 

I am currently a customer of AF and believe I have fallen victim to their fraud.In my 

case, according to the contract I was charged for Document Preparation and Service 

Agreement Program payment of $1,000, which was supposed to be spread out over a 

10 month period. However, according to my bank statements, this fee was taken out 

over a period of 11 months; which was an overpayment of one month. Also, I was 

charged $8 for “Global’s” monthly fee during the above 11 month time period. In 

addition, I was charged a $99 for a monthly plan fee. These fees began on May 4, 

2016 and are still occurring with the last fee of $99 being taken on June 5, 2018 and 

most likely being taken on July 5, 2018. According to the contract, these fees were to 

be paid to Ameritech Financial for services of them taking over my student loan at 

Great Lakes and paying it off over a 20 year time period. I was told by then, after the 

20 years the loans would be forgiven. The problem I am having is that no loan 

payments were made to Great Lakes over the past three years as promised to me. In 

fact, AF put my student loans into forbearance and they have been accruing interest 

these past three years.Basically, what has happened is in the contract submitted, not 

everything is filled out due to the majority of it being completed over the phone with a 

representative, which I do not have access to. It was my understanding that the 

conversation was recorded and filed. I did not realize there was a problem until I 

received the letter from the Federal Trade Commission. Upon reading the letter, I 

immediately followed their recommendations on the steps I could take. I went to the 

FTC’s website and called them regarding filing a complaint. I redirected to Consumer 

Financial Protection Bureau. I also called AF my call was answered by an answering 

service representative who had no authority or access to my account. He took a 

message. I then emailed AF requesting all documentation on my account, also to 

include statements of payments to my student loan. I requested cancellation of my 

Ortiz Attachment A - 78

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 79 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

370 97704702 07/03/2018

Ameritech|Ameritech 

Financial|Hope International 

University

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: On Monday, 7/2/2018 I received a letter from the 

U.S. of America Federal Trade Commission: Notice of Lawsuit against Ameritech, for 

Deceptive Practices of my government Student Loan that started 8/23/2016, of 

$150.00 plus until 6 months later reduced to $99.00 per month and presently paying for 

the Student Loan Forgiveness Program. Before Ameritech I was with Navient, under 

the same Student Loan Forgiveness Program with higher payments starting sometime 

in 2014 after graduating from Hope International University, Fullerton, CA, combine 

University of Phoenix loan, of 2011 under the same program. I made numerous 

attempts on 7/3/2018 to contact Ameritech, the answering is activated and disconnecte 

after 3 minutes on the line waiting to speak with someone about cancelling my 

membership and reimbursement for 2 plus of withdrawn from my account confirming 

on numerous occasions that my payments were we're going towards my Student 

Loans. My connection with Ameritech was with lebrea.bell@ameritechfinancial.com. 

Now this raises question with deception from Navient. I am willing to be a part of a 

class action lawsuit --- Fair Resolution: Class action lawsuits for their Deceptive 

Practices to Students in general and the suffering that I am going through in trying to 

pay my debts, but can't from this source of corruption and greed. --- School Unit ID: 

 --- School OPE ID: 

371 97396241 07/04/2018 Ameritech Financial

I found Ameritech Financial through mail (April 2017) as being eligible for loan 

forgiveness. I called the number and it got me in touch with Kathlenne Dugan,senior 

account specialist at Ameritech Financial, who handled my account from that point on. 

Mrs. Dugan was very courteous and explained how I will be on my way to loan 

forgiveness by signing up. It was a long process with documents to fill and 

arrangements of student loan payments through FedLoan. The first thing that raized 

concern was deducting from bank account the correct amount initial payment but not 

the installments I agreed to. It was decucted from my account in one payment. They 

corrected the issue by later on skipping the first month payment. There was no glaring 

issue that worried me. It seemed like a normal company that would handle paying 

down my student loan debt but they convinced me that payment for services was 

necessary to ensure proper handling of my account.

372 97396387 07/04/2018 Ameritech

it was on August , 2017 that i got a call from Ameritech saying it was debt service 

affliliated with the board of Education. They asked me lots of questions about my 

school background and how i felt right now in my financial situation, i was promised 

that my loan will be forgiven right away if i paid $800. up front. i paid it. i was waiting for 

an email or call it never came. i tried to follow up with with phone calls but to no avail. i 

really got stiffed.

Ortiz Attachment A - 79

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 80 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

373 97396440 07/04/2018 Ameritech Financial

i recieved a call from Ameritech financial offering to help to eliminate my student loan. 

i was told if i pay them $88.00 a month for 10 months, they could reduce the amount i 

owe or even eliminate my student loan debt. i agreed to the terms at first but then had 

a bad feeling about it and called them to cancel the agreement after i paid one 

payment. they kept calling me at home and leaving a number to call back but the man 

spoke so fast i could never understand the phone number he was saying. he never 

called me when i was home, only when i was at work. so when i got an email saying 

my next payment was due, i immediately responded to the email and told them i had 

cancelled. they were fine with it and told me to contact Ameritech financial to cancel 

with them. Finally i talked with a women who told me i was not going to get my money 

back because they had prepared all the paper work. So i changed my debit card just in 

case they tried to take more money out. luckily i was only out $88.00 but would still like 

to get it back.

374 97396472 07/04/2018 AmeriTech Financial Services

I received an offer in the mail to eliminate my student loan debt. I called the Ameritech 

company and started the process. I found it very disturbing, as Ms. Heffner wanted me 

to lie about the number of people I supported in my home- this is not the same as the 

number of dependents on your tax form- was the way it was explained. I was told to 

document as many deductions as possible, but the way Ms. Heffner was describing 

what counted as a deduction seemed unethical to me. Fortunately, between the time I 

started the process and before finalizing the deal with AmeriTech I had a meeting with 

my financial advisor and she explained that I could do all of what I was doing with 

AmeriTech for free, so I was able to cancel in time and did not pay any money.

375 97396492 07/04/2018 Ameritech Financial

a letter was sent to my mothers home explaining that i could get loan forgiveness and 

lower payments. I spoke with this company multiple times. I believed they would help 

however they did not. I am unsure how much money I paid ameritech. Other-Other 

Update

376 97396508 07/04/2018 AmeriTech Financial

I am very upset! I never use any of their services. I paid 1200.00 for them to process 

the paperwork, plus 99.00 per month and I paid directly to Navient. I feel like a fool! I 

felt an uneasy feeling paying the free and paying monthly. The bank is closed today. I 

will stop payments! I changed my password account at FASA. Will I get my money 

back? Other-Other Update

Ortiz Attachment A - 80

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 81 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

377 97396573 07/04/2018 AmeriTech Financial

I graduated from ITT Technical School and i saw that the school was closed down by 

the government, i tried to get my loans discharged but could not as they kept telling me 

that i graduated so i was stuck paying my loans. Around may or june i recieved a mail 

from ameritech and that they were offering to repay my loans, i called and was told that 

the payments go straight towards my loans but they also wanted my login information 

from navient, they stated it was so they can request something but cannot remember 

when. I cancelled by services with them on March but was still charged on 03/12. The 

representative kept stating that they could lower my payments and i kept stating no that 

i want to cancel my services, he was real aggressive and was basically stating that i 

was making a huge mistake and without Amertech i will never get rid of the loans. I 

basically paid a total of $1500 by the time i cancelled the services.

378 97396686 07/04/2018 Ameritech Financial

379 97396737 07/04/2018 Ameritech Financial

I received a advertised postcard in the mail for AmeriTech Financial and couple times 

promising loan forgiveness. After the second time receiving the advertisement I 

decided to take a chance on February 23 of 2017. My loans were all starting to reach 

their deadline so I would have to start paying on them. My total would have been 

around $600/month and there is no way I was going to be able to afford that. So when I 

was told that my payments would be $132/month I was relieved. I was so desperate to 

not have to pay the larger amount that I trusted these people. Each year I had to 

update my income information. I was promised $132.00/month for 33 months and then 

$119/month after 12/23/19 for 12 months for 25 years. After the 25 year deadline, any 

amount that was left unpaid would then be forgiven. I currently have possession of the 

documents.

380 97396835 07/04/2018 Ameritech

I was contacted in the fall of 2016 by Ameritech. I asked a lot of question including 

what the payment would be going to. I was told that after the first initial fee to cover all 

the paperwork and filing of the paperwork, I believe that was around $300, the monthly 

payment would be sent to my student loan provider and I would be paying on the 

principal and interest would be put on hold. I was also told that after 5 years half my 

student loans would be forgiven. I used the company until summer 2017. When I 

moved states and went to set up my new information through my student loan provider 

I noticed payments had not been during the time so I called and cancelled their service.

381 97401936 07/04/2018 Ameritech Financial

This organization contacted me somewhere around October-November of 2017 saying 

that they served as a third party to help get my student loans paid off. After getting 

them some info, they said they were able to login. They have been withdrawing money 

for the past 8 months for 82 dollars each time except for the first time of 74 dollars. 

Other-Other Update

Ortiz Attachment A - 81

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 82 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

382 97401939 07/04/2018 Ameritech

she calling me and she spoke to me about my student loans so she could bring it 

down to 85%. she asking me to pay $172 mounth for 12 mounth after that it'll down to 

$99 mounth for live. she told me don't worry about nothing

383 97402016 07/04/2018 Ameritech Financial 

I understand that Ameritech Financial are being sued for fraud. I have been under the 

guise that they were able to reduce my loan due to my good credit and now understand 

it was false. I need to get in contact with a representative who will help me get a refund 

for the money stolen from me that did not go towards my student loan at all.

384 97402068 07/04/2018 Ameritech

One night, my house phone rang and a representative from Ameritech (I can’t 

remember her name) asked for me. She asked me if I was in student loan debt of 

more than $10000 and I told her yes. She then went on to ask how much do I pay 

monthly and what job do I have and what my salary was. I thought these were very 

personal questions and wasn’t sure if that was protocol for the company to help where 

they could. The representative then went on to say she believes that I am on the right 

track and would be able to pay off all my loans quicker on my own than with the help of 

Ameritech. I thanked the lady politely and hung up the phone. About a month later, 

another representative from Ameritech calls my house phone asking for me. She then 

tells me the opposite of what the prior representative told me and I supposed that any 

help was better than no help, so I signed up with Ameritech and gave a lot of 

information. However, a couple of days later, I just felt regretful of my decision and 

tried to reach out to the representative by calling and emailing her. Unfortunately, I was 

never able to get in contact with her, so I called the company’s number and asked to 

speak to the manager. I told him I rushed into my decision of signing up with Ameritech 

and I wanted to cancel with them. The manager was reluctant and was trying to tell me 

all the benefits I would receive if I had stayed, but I asked to cancel. Finally, after a long 

conversation I cancelled with Ameritech and was never charged a cent.

385 97402077 07/04/2018 AMERITECH FINANCIAL

Ameritech Financial withdrew money from my checking account for Approximatly a 

year. The enitre time, I was under the impression the money was going towards my 

student loan debt. For some reason, that I dont reall, I logged onto the student loan site 

and saw my debt had infact increased. I Called Ameritech and canceled my account. 

There actions have caused me to not be able to afford the monthly payments, which 

keep rising. My loans are currently deffered and after many years I still owe over $55, 

000. I am so happy someone knew what action to take to bring this scam to your 

attention.

386 97402146 07/04/2018 Ameritech Financial I have had little communication with this company, there is no way for you to log in and 

track information on your account. I have called numerous times asking about money 

taken out of my account not going towards my loans with little to no explanation.

Ortiz Attachment A - 82

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 83 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

387 97402201 07/04/2018 Ameritech

This company contacted me, telling me that I was qualified for loan forgiveness. After 

making 4 initial payments two of $287 and another 2 for $188 I was told the 

documents have been processed. After making a total payment of $1254.78 I was told 

that my loan was not forgiving but was consolidated for a period of 20 years then 

consideration will be given to having is forgiven. I was told I would have to pay $99 per 

month for that 20 years. After paying my first $99 I was contacted by the federal loan 

service saying that my monthly payment was outstanding. I then contacted Ameritech 

only to be told that I am responsible for paying my loan and the money they collected is 

their fee. By this time I have registered to do my Ph.D. so I told them my loans will be 

deferred therefore it makes no sense to continue paying them $99 as that would be a 

waste of money and could be used to start paying my student loan interest. I 

subsequently closed the account. Other-Other Update

388 97445068 07/04/2018

Ameritech Financial|Ameritech 

Financial|Alabama State 

University

CFPB Issue Type: Struggling to repay your loan | Problem lowering your monthly 

payments --- What Happened: For the last 2 years I've been dealing with AmeriTech. it 

first started with a initial payment of 800 (set) that was broken down into three 

payments for them gathering my info . then the they start taking out 250 for 6 months 

and after that its been 100 dollars a month --- Have contacted: CC Issuer --- Fair 

Resolution: im seeking full refund --- School Unit ID: School OPE ID: 

389 97445137 07/04/2018 Ameritech Financial|Ameritech 

Financial

CFPB Sub product: Federal student loan debt --- CFPB Issue Type: False statements 

or representation | Attempted to collect wrong amount --- What Happened: About a 

year ago I received a piece of mail from Ameritech financial about switching over my 

student loan repayments from navient, and that they would help lower my monthly 

payments based on how many people I lived with and if I made 50 payments on time 

they would forgive the remaining balance. They sent me a ton of forms to fill out and 

send back to them including forbearance, pay stubs, voided check, loan services 

statements, tax returns, etc. and told me they would be paying my loans going forward. 

The initial payment I made to them on 12/15/17 was for 74.00. Every month following 

for the next 6 months I was charged 49.00. I’ve paid them 368.00 thus far. My student 

loan balance has not decreased. The interest has actually accrued from what it looks 

like on my statement. I had my balance down to around 30k and now it’s up to almost 

40k. I had no idea and I’m not really sure what to do about my loans now --- Fair 

Resolution: I would like to be fully refunded, and the interest that accrued due to the 

fraud they have committed against me to be covered. These people need to pay for 

their crimes.

Ortiz Attachment A - 83

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 84 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

390 97445379 07/04/2018

Ameritech Financial|Ameritech 

Financial|Pennsylvania State 

University-Main Campus

CFPB Issue Type: Getting a loan | Fraudulent loan --- What Happened: Ameritech 

financial mislead me, basically lied about a program for student forgiveness. During 

this process I was charged 1200 dollars to enroll and a monthly payment of 130 dollars 

a month that didn’t go towards paying my student loans off at all. When I realized this I 

called the company only to get pressured into staying and was told all the money I paid 

so far was for there fee, not my loan repayment and if I left it would be a wast of 

money. I did refinance and cancel my loan but I paid over 6000 dollars to Ameritech in 

mislead and in my eyes fraudulent charges. --- Have contacted: CC Issuer --- Fair 

Resolution: Refund of my charges --- School Unit ID: --- School OPE ID: 

391 97347319 07/05/2018 Ameritech Financial

Consumer got a letter from the FTC about the Ameritech Financial pain in money and 

wanted to file a report. UPDATE: 07/05/2018 Consumer called to add information on 

money lost to Ameritech to the report 

392 97370744 07/05/2018 Ameritech Financial

Consumer is calling to report that she received a letter from the FTC about Ameritech 

Financial. Consumer states she received a letter from Ameritech about information 

about consolidating her student loans. Consumer called and was told to pay 200 

dollars a month. Consumer has paid a total of 2400 dollars from withdrawing the 

money from her checking account. Consumer has spoken with the company and has 

received a refund of 600 dollars. UPDATE 07/05/2018 Consumer called to add 

information. 

393 97371425 07/05/2018 Ameritech Financial

Consumer received a letter from the FTC in regards to Ameritech. Consumer has 

contacted them and they are not opened consumer called them to disconnect there 

service and they leave her on hold and they disconnect her call. Consumer is still 

getting automatic withdraws from her account. Consumer was contacted about there 

services. Consumer has paid them over 1000 dollars. Update 07/05/18 Consumer is 

calling to report that she has called the Ameritech number but that he was not able to 

speak with a rep because there lines are busy because of the letter from the 

Ameritech. 

394 97376425 07/05/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial. 

UPDATE: 07.5.2018 Consumer calling to add more information on the response with 

Ameritech. Stating that they had denied her with her refund.

Ortiz Attachment A - 84

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 85 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

395 97396088 07/05/2018 Ameritech Financial

Ameritech Financial told me that they would pay off my student loan debt I had to pay 

them $82 per month and they would get me out of default they would also stop the 

Student loan people from taking my income tax checks every year. they tricked me by 

loading me with all of this information that I didn't understand I just wanted my bill to be 

paid so I just said yes to everything they told me to say yes to everything on the 

telephone before they started recording me they said I had to say yes in order for the 

agreement to go through so that I can get my student loan paid off so they could take 

care of it for me when I sent money to them I was paying off my student loans 

UDPATE 07/05/2018: Consumer is calling to make sure the complaint has been filed. 

Consumer was provided information. 

396 97402490 07/05/2018 AmeriTech Financial 

In the fall of 2016, I contacted a company (AmeriTech Financial) that solicited a 

student loan forgiveness offer by mailed correspondance. I was intrigued to call the 

telephone number after reading the literature from the mailed notice. When I called the 

telephone number my call was routed to a gentleman who was cordial and professional 

by the name of Thomas Huff. The first company representative I reached was him and 

following him I spoke to another company representative who read the terms and 

conditions to me after I entered into a business agreement with the company. I thought 

that business transaction was legit since Mr. Thomas Huff explained to me federal 

legislation mandated a student loan forgiveness program. Three months later I felt 

empowered to call the company following a startling discovery from their website. I saw 

a sentence from a webpage thst mentioned the company doesnt pay the loan service 

company on behalf of the student. Immediately zi called the compsny and expressed 

my disappointment over the issue. Ontold the supervisor ont the call that the Account 

Specialist named Thomas Huff gave me the impression my student loans would be 

reduced to a low monthly cost. Also, he had me believe AmeriTech Financial would 

pay my student loans at the low cost price under the condition of loan consolidation. A 

savings plan to pay off those loans with AmeriTech as the benefactor of them. I 

requested to cancel loan business agreement with the supervisor. They were deciving 

by the way they projected themselves to be a service for student loan forgiveness that 

made you believe was legit. I was ripped off after AmeriTech debitted over $400 from 

my personal bank account. Other-Other Update

397 97402554 07/05/2018 AmeriTech Financial

These people persuaded me to participate in a program that would help me lessen my 

student loans while still bettering my life... I don't work because I have an autistic son. 

The money I used to pay this bogus company came from friends and family that 

wanted to see me strive and it's unfair that their money, time, and experience has been 

taken with nothing given in return! This is an indeed injustice and it needs to be made 

right

Ortiz Attachment A - 85

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 86 of 511
# Reference Number Complaint Date Company Name Complaint Info Comments

398 97402564 07/05/2018 AmeriTech Financial 

My experience with this company is beyond upsetting for their dishonesting and 

fraudulence service provided to me. From the beginning I beg the representive to not 

scam me because of this type of act already done to me 5mnths before they had 

conected me so i was still having my doubts and concerns i even begin to cry from just 

how uposet i was from the previous company scamming me as well but she reassured 

me that the company was legit and that she was not a scamming me. She inform me 

that she can reduce student loan amount by making payments of $132 monthly for 33 

months and save me $46,600 at the end of the loan forgiveness. She stated that my 

loan would then be drop and I'd be forgiven of the x amount left over from the full 

amount that would have been orginally owed if not going with the forgivness program. 

What makes me more digusted and angry is that their were times when i couldn't pay 

due to a financial crisis and they stated their was nothing they can do. Too know that 

they were not even making payments on my behalf to my student loan lender Nelnet 

makes me so angry because i had to struggle and make sure the funds were in my 

bank account so that I didn't mess up my loan process for the forgiveness program. 

Other-Other Update

399 97402823 07/05/2018 Ameritech Consumer rcv'd a letter about FTC vs. Ameritech. She cancelled her account with 

Ameritech and demanded a full refund. She has yet to hear anything from them.

400 97402843 07/05/2018 Ameritech

Reported by the deceased consumer’s wife. Consumer’s husband received a letter 

from FTC regarding Ameritech. Consumer’s husband set up payment plan of $132 per 

month with Ameritech but does not know how long he was paying into it.

401 97407423 07/05/2018 Ameritech

I was contact for a program to forgive my student loan and that Ameritech would help 

me get my student loan forgiven and reduced to lower the amount outstanding but then 

I received a letter from FTC on 6/27/18 about a law suit aganist Ameritech and all that 

there not doing for the cost of membbership fee they are charging to be in there 

program. I've been apart of this program for the last two year spend $99 a month OtherOther Update

402 97407477 07/05/2018 Ameritech Financial|Curadebt

Consumer has been paying Ameritech Financial a monthly fee of $99 for the last year 

and four months to cover their student loan consolidation services. He has become 

aware that they were not paying towards his actual debt. He just received a letter from 

the FTC regarding action being taken against Ameritech. He was also paying Curadebt 

$200/month for the last four years to pay off his CC debt but they were not paying 

towards his actual debt.

403 97407483 07/05/2018 American Financial Benefits 

Center

I was contacted by AFBC because they told me that they could see I was having 

student loan repayment issues and they said they could help me, which at the time 

Sallie Mae was wanting me to pay like $500 a month. Aryan told me that if I enrolled in 

the program it would be $99 a month for the first 13 months with an additional $50 

charge for enrollment. After that it would be $110 a month for 20 years and then the 

rest of the student loan debit would be forgiven.

Ortiz Attachment A - 86

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 87 of 511
Page 87

# Reference Number Complaint Date Company Name Complaint Info Comments

404 97407538 07/05/2018 Ameritech Financial

Consumer states that she hired Ameritech Financial approximately during 06/01/2016. 

Consumer recalls that she made about two upfront payments of $180 to initiate service 

then the payment per month dropped to about $99 per month. Consumer was 

promised a lower monthly payment toward her student loans and if she paid 120 

payments then after her loans would be forgiven.Consumer did see through her 

income tax forms that there was no payments made toward her student loans and 

contacted Ameritech Financial and questioned what her payment of $99 per month 

was for and was told it was their service fee and that she was ok with her student 

loans, not to worry about. Consumer states she has paid about 22 months $99 via her 

debit card. Consumer states she recently checked her forms from Ameritech Financial 

and all the forms have the DOE logo on the pages. Consumer was told by Ameritech 

Financial that they are affiliated with Nelnet, was told to contact them but she hasn't 

done so. Consumer states that they created a online account with Nelnet online. 

Consumer checked her online account with Nelnet stating that there is $0 payment for 

twelve months that would begin 07/25/18 for qualified loans but is not sure what this 

means.

405 97407580 07/05/2018 Ameritech Ameritech Complaint: Consumer got a letter from the FTC on the action. Consumer 

called to asks if the law suit was real and what she should do.

406 97407599 07/05/2018 Ameritech Financial

I was contacted on behalf of Ameritech Finacial via mail and phone by a 

representative in an effort for me to allow them to secure my Student Loans from 

Navient through them so I could pay my school loan balance off in full in a ten year 

period. I have provided Ameritech with access to my Banking Accounts for Auto 

monthy payments of 99.00 for the past 2-3 years. As well as an upfront payment of 

$201.00 at the time of sign up. I have provided them with all of my personal information 

as well as my husband's information by email, phone, and mailing of documents to the 

company on numerous occasions to continue the process because they kept sending 

me letters through the mail and email stating that they need additional documents. I 

also recieved emails and letters through Navient asking me to pay monthly bill... when I 

no longer had an Account with them or so I thought. Other-Other Update

407 97407632 07/05/2018 Ameritech Financial 

I am unsure how much I have paid out on these loans but I will get documentation of 

this to be certain. When I called, it was always someone different answering the 

phonesTOPIC:Referrals

408 97407637 07/05/2018 Ameritech Financial

Consumer reports that she received a letter by the FTC about the Ameritech Financial. 

Consumer reports that she has been paying $82 a monthly. Consumer reports that 

Ameritech Financial failed to deliver on their promised to enroll into a government 

program that they claimed would permanently lower monthly student loan payment for 

a loan forgiveness.

Ortiz Attachment A - 87

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 88 of 511
Page 88

# Reference Number Complaint Date Company Name Complaint Info Comments

409 97407655 07/05/2018 Ameritech

Consumer states she got a letter in the mail about Ameritech from the FTC on 

07/03/2018. She signed up with them in the end of 2015 and has been paying 129 for 

a year for a total of 1548 and then it went down to 99 a month for 1782 and she has 

paid a total of 3330, and she is paying through auto draft.

410 97407683 07/05/2018 Ameritech Financial

Consumer states she obtained services with Ameritech in 12/22/2016 and has paid 

about $400,00.00. Consumer states she was giving a monthly payment from her 

savings account.

411 97407686 07/05/2018 Ameritech Financial

Consumer reports that she received a letter from the FTC in regards to the settlement 

against Ameritech Financial. She would like to file a complaint against Ameritech 

Financial for committing fraud. She paid them a total of $3,000 to get assistance with 

her student loan. She initiated business back in 2016.

412 97407699 07/05/2018 Ameritech

Consumer is calling to report that she received a call by Ameritech offering their 

services to help pay her student loans. Consumer contacted them and set up payment 

plans with the company. Consumer states that she has paid $700 total.

413 97407721 07/05/2018 Ameritech

Consumer states that she received a letter from FTC vs Ameritech. Consumer states 

that she has been paying them $99 a month since 03/01/2016. Consumer states that 

she was told that her loan would be forgiven after 20 years.

414 97407756 07/05/2018 Ameritech Financial

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

reports that she was promised to forgive her loan. Consumer has became aware that 

payments made to Ameritech Financial have not been going towards her loan. 

Consumer has paid $100/month debited from her account for about 2 Years.

415 97407757 07/05/2018 Ameritech

Consumer reports he received a letter from Ameritech stating they would adjust his 

monthly payments on his Student Loan, and paid $200 a month for 10mths than $100 

for a yr.

416 97407759 07/05/2018 Ameritech Financial

It was told that my payments were being escrolled until I paid the amount for their 

services. Thought that was odd, but really needed to get a start on reducing my student 

loan balance.

417 97407785 07/05/2018 Ameritech

Ameritech Complaint: Consumer got a letter from the FTC. Consumer lost $500 to 

Ameritech. UPDATE: 07.5.2018 Consumer calling to ask a few questions on his report. 

Ortiz Attachment A - 88

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 89 of 511
Page 89

# Reference Number Complaint Date Company Name Complaint Info Comments

418 97407919 07/05/2018 Ameritech

Consumer is calling to report that she received a letter from the FTC about Ameritech. 

Consumer is calling to state she received a letter from Ameritech stating that they 

could assist with consolidating her student loans. Consumer called them back. 

Consumer was told to pay 86 dollars a month. Consumer has paid a total of Unknown 

dollars from her checking account. 07/03/2018 Consumer is calling to update the total 

amount she paid and the name of the person that singed her up. Consumer was told 

that it was a $0 interest driven loan and that her loans are not paid and that the amount 

she pays the company is for the companies services. Consumer was told that she 

would need to make 120 payments before they can pay off her loans. 

UPDATE: 07/05/2018 Consumer added suspect info. 

419 97407926 07/05/2018 Ameritech Financial

Consumer reports recieving a letter by the FTC about the Ameritech Financial. 

Consumer reports paying $149 a monthly. Consumer reports that Ameritech Financial 

failed to deliver on their promised to enroll into a government program that they 

claimed would permanently lower monthly student loan payment for a loan 

forgiveness.Consumer reports that she deferred on a loan.

420 97407954 07/05/2018 Ameritech

Consumer states she got a letter in the mail about Ameritech Financial on . She said 

she paid them 108 for 6 months for 648 dollars. They told her they would only give her 

400 back and they only deposited 300 back.

421 97407989 07/05/2018 Ameritech Financial Consumer states that he had received a letter from Ameritech Financial stating that the 

FTC had sued Ameritech for deceptive practices. consumer states that he has made 

payment each month. consumer did not want to finish up the report at this time.

422 97408037 07/05/2018 Ameritech

Consumer received the letter from FTC about Ameritech and wanted to file a 

complaint. Consumer received an email from Ameritech offer to lower her student 

debt. Consumer had to pay an up front membership fee and monthly fee’s in a different 

amount (will call back with the amount) and then paid $99 per month there after since 

October 2017. Consumer learned from FTC about action being taken. Update: 

The consumer called to add money amounts. 07/05/2018

423 97408098 07/05/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial ,Financial 

Education Benefits Center . Consumer states the company bought his student loan 

from Nelnet.Consumer received letter from FTC regarding the recent lawsuit that was 

filled against this company.

424 97408102 07/05/2018 Ameritech Financial

Consumer states that she had received a letter from Ameritech Financial stating that 

the FTC had sued Ameritech for deceptive practices. consumer states that she has 

made payment each month.

Ortiz Attachment A - 89

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 90 of 511
Page 90

# Reference Number Complaint Date Company Name Complaint Info Comments

425 97408161 07/05/2018 Ameritech

I believed that i was paying my student loan debt and would be eligible for forgiveness 

in a year because i have worked for 11 years in a school district in southeast arkansas. 

My wife has also worked for this school district for 20 years and the majority of the time 

the district was a high poverty school. I never received the forgiveness and they have 

been withdrawing 108.00 dollars a month.

426 97408169 07/05/2018 Ameritech Ameritech Complaint: Consumer got a letter from the FTC and complains she lost 

approximately $3500 to the loan servicer drafted form her bank account.

427 97408173 07/05/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $99 since 2016 to 

cover their student loan consolidation services. She just received a letter from the FTC 

regarding action being taken against Ameritech.

428 97408199 07/05/2018 Ameritech Financial

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

states that she was promised that her student loan would be forgiven. Consumer has 

paid $108/month for a year, debited form her bank account.

429 97408262 07/05/2018 Ameritech Consumer is calling to report that she received a letter from FTC about a refund for 

Ameritech. No further info given.

430 97408291 07/05/2018 Ameritech

Consumer is calling to report she received a letter from the FTC on the Ameritech 

issue since she has been a Consumer with them for over two years. Consumer had 

been paying them $173 a month for two years, and now she is paying $99 a month 

since 04/2018, and the money is auto withdraw from her bank account.

431 97408310 07/05/2018 Ameritech

Consumer reported that 3 years ago Ameritech contacted him bout his school loan. 

Consumer states when he signed up for the program that made Ameritech responsible 

for his loans. Consumer states that 270 dollars a month for 2 years and then the 

company lower the payments to 100 dollars a month for the last year. Consumer then 

contacted the company and was notified that another company was responsible for his 

loan which was Nelnet. Consumer contacted Nelnet and was notified that Ameritech 

was not part of his school loan.

432 97408344 07/05/2018 Ameritech Financial

I signed up with Ameritech Financial 2/2016, I was registered in my last semester for 

undergrad. The account rep stated that I needed to pay $257 for 6 months and then I 

would be charged $99 a month for the monthly maintenance fee until it is time to repay 

my loans. I thought the monthly payment was at least being applied to the interest 

owed on these loans. I am still trying to figure out how the total student loan amount 

reduced. After speaking with a rep this year I was told that the $99 is a maintenance 

fee and that nothing has been actually applied to the loan. The last draft of $99 was 

withdrawn from my account on 6/25/18, I have already contacted my financial 

institution to block this organization from withdrawing future payments from my 

account. I have changed my FAFSA and Loan service provider passwords to eliminate 

Ameritech's future access to my loan accounts.

Ortiz Attachment A - 90

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 91 of 511
Page 91

# Reference Number Complaint Date Company Name Complaint Info Comments

433 97408357 07/05/2018 Ameritech Financial

Consumer received a letter from FTC in regarding Ameritech Financial. Consumer has 

tried contacting them with the phone number provided and the call disconnects after 

the automated system.

434 97420231 07/05/2018 Ameritech Financial 

I signed up for Ameritech Finical about 3 years ago after I got many letters in the mail. I 

was under the impression that they were paying some of my student loans. They made 

it seem if I went with them that in 10 years my loans would be forgiven as long as I still 

was in the income-based guidelines and worked for a nonprofit. They said the 1st year 

I needed to pay 207 and 99 would be for the loan and the other a small fee for them. 

When I got the letter that they are being sued I called into them and they said I was just 

paying them to recertify me every year into the program. That they were constantly 

working on my case to make sure it was the best for me. So I have been paying them 

$99 a month to do something I could have done. When I signed up they did not clearly 

explain what they were doing so now I feel like I have wasted a lot of money over 

nothing. They made it seem like they were just a big help to me but I don't see them 

being a big help for the monthly fee I was getting. They were not as clear as they 

should have been they made it sound more helpful than it actually was. They said they 

would not refund me because they did a lot of work on my behave for those 3 years 

when really all they did was renew my plan once a year which I could have done. I was 

still paying my provider and them when I could have just paid my provider and saved 

money. All the money I spent on Ameritech finical I could have used to pay off more of 

my student loans. I feel as they were not helpful or understanding in the end. I feel as if 

I should be given some money back for their lack of explaining. I would hope this did 

not happen to someone else like it did to me. They sugar coated it and made it sounds 

like a really good plan when it was not a good one. I would love a refund of some sort if 

I could if this lawsuit goes in the favor of FTC.

435 97420232 07/05/2018 Ameritech Financial

The consumer is reporting against Ameritech Financial. The consumer said that he 

has paid them money to reduce his student loan . The consumer has paid them $2070 

and the company has not reduced his loan or applied money to his debit.

436 97420265 07/05/2018 Ameritech Consumer states that she wanted to make a report against Ameritech because she 

was part of the scam.

437 97420308 07/05/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$1312 over the course of two years.

438 97420359 07/05/2018 Ameritech Financial

Consumer states that he had received a letter from Ameritech Financial stating that the 

FTC had sued Ameritech for deceptive practices. consumer states that he has made 

payment each month.

Ortiz Attachment A - 91

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 92 of 511
Page 92

# Reference Number Complaint Date Company Name Complaint Info Comments

439 97420463 07/05/2018 Ameritech

Consumer stated that she received a letter from FTC regarding Ameritech. Consumer 

has used Ameritech since August 2017 for their forgiveness program. Ameritiect 

instructed the consumer to add dependents which was wrong and she lost money on 

her taxes. Consumer paid $100 per month and then $79 per month via auto pay from 

her checking account. Consumer paid about a $1000 so far.

440 97420476 07/05/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

441 97420477 07/05/2018 Ameritech

Consumer states he got a letter from the FTC against Ameritech on 07/02/2018. He 

signed up with them in 01/2018 and he paid 2 payments 173. 346 is what he paid in 

full.

442 97420539 07/05/2018 Ameritech Financial Very unclear about payments made to my student loan.

443 97420580 07/05/2018 Ameritech Financial 

Ameritech Financial promised me that my student loans would cease if I continue 

service with them for 20yrs. Stating I would never have to pay off the balance of my 

loan.

444 97420581 07/05/2018 Ameritech

Consumer is calling to report that she received a notice in the mail from FTC indicating 

that there is a lawsuit against Ameritech Financial FEBC. Consumer indicates she has 

been with Ameritech 2 years and has been paying $99 month.

445 97420606 07/05/2018 Ameritech Ameritech Complaint: Consumer states he gave Ameritech $972 for loan service but 

received not benefit.

446 97420629 07/05/2018 Ameritech

The consumer reports he heard about Ameritech through the radio. The consumer 

reports he signed up with them for $70 a month. They claimed that it was going to go 

towards his student loans.

447 97420852 07/05/2018 Ameritech Financial

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

reports that she was promised to consolidate her loan paying of her student loan. 

Consumer does not know if the payments have been made to her loan provider. 

Consumer states that she was paying $82/ Month debited from her bank account.

448 97420859 07/05/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial. Consumer states 

he isn't sure if he has had any past dealings with this company ,but states that he does 

have student loans. Consumer states his student loans have been sold to other 

companies through out the years. Consumer states the current companies he is paying 

his student loans to are AES and NelNet.

449 97420901 07/05/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $49 since April 2014 

to cover their student loan consolidation services. He just received a letter from the 

FTC regarding action being taken against Ameritech.

450 97420906 07/05/2018 Ameritech Financial

Consumer states that he had received a letter from Ameritech Financial stating that the 

FTC had sued Ameritech for deceptive practices. consumer states that he has made 

payment each month. UPDATE 07/05/2018 Consumer is calling to add contact 

information concerning Ameritech 

Ortiz Attachment A - 92

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 93 of 511
Page 93

# Reference Number Complaint Date Company Name Complaint Info Comments

451 97420959 07/05/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $173 since August 

2017 to present to cover their student loan consolidation services. She just received a 

letter from the FTC regarding action being taken against Ameritech. She called them to 

request a refund which they refused to provide. UPDATE:07/05/2018 consumer is 

calling to provide additional information to her report. 

452 97420978 07/05/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$410 over the course of 6 months.

453 97420981 07/05/2018 Ameritech

Consumer calling to report that he was part of Ameritech and that they set up a 

payment plan but he states that he does not send him checks he sends them directly 

to the Department of Education he has not sent no money to them.

454 97421076 07/05/2018 Ameritech Financial

Consumer reports he paid $435 to Ameritech Financial in 5 monthly payments to get 

help lowering him student loan debt but didn't get any help. UPDATE: 07/05/2018 

Consumer called to add information to the report 

455 97421095 07/05/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $99 since January 

26, 2016 to cover their student loan consolidation services. She paid $200/month for 

the first two months. She just received a letter from the FTC regarding action being 

taken against Ameritech.

456 97421147 07/05/2018 Ameritech Financial

Contacted through mail, and as I'm not good with my student loan debt I thought 

having an advisor would be beneficial. Set up an account and they would debit $99.00 

per month that would go toward paying off my federal loans. They said they needed 

more paperwork from me, which I admittedly didn't do a good job of returning to them. 

They said they needed: Most Recent 30 Days of Paystubs: NeededMost Recently Filed 

Tax Return: NeededStatement of Income: NeededPSLF Employment Certification 

Form:N/AStop Automatic Payment To Servicer Form: NeededRecent Loan Servicer 

Statement(s) or Documents: NeededIBR/ICR Application Form: Need Client 

SignatureForbearance Form: Need Client Signature Fast forward about two years, and 

I find out my federal loans are about to default. I contact Ameritech, and although they 

charged me $99/month for about 22-23 months, not a single dollar went to my loans, 

and that the fee was what I paid them to adminster my accounts. The rep also says 

that when I get my paperwork in order, then a portion of the $99/month will go toward 

my federal loans. I accepted my ignorance and put that on myself, and I filed my 

paperwork as well as a loan forbearance through Ameritech. Currently still a customer 

but will cancel soon.

457 97421156 07/05/2018 Ameritech Financial

Consumer states that he had received a letter from Ameritech Financial stating that the 

FTC had sued Ameritech for deceptive practices. consumer states that he has made 

payment each month.

Ortiz Attachment A - 93

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 94 of 511
Page 94

# Reference Number Complaint Date Company Name Complaint Info Comments

458 97421157 07/05/2018 Ameritech

Consumer reported that she recieved a letter in the mail from the FTC regarding the 

Ameritech law suit. Consumer states that Ameritech sent her a letter asking for her to 

call them to sign up for loan forgiveness. Consumer thought Ameritech was a 

government agency. Consumer though her payments were going to her loan but then 

realized that it was not gong to her loans. Consumer contacted the company and was 

notified that they were just an agency that would help her get the program but they also 

convinced her that there were the only way she had to contact the other companies for 

the loan forgiveness so she decided to stay. Consumer then called again to cancel 

since she found out she can file for the forgiveness on her own at no cost. Ameritech 

offered consumer to lower her payments and once again convinced her that they could 

help her application not get denied since the applications get denied very often. 

Consumer agreed to that as well. Consumer recently recieved a notice that her FSA 

password was changed consumer did not authorize that. Consumer states that when 

she first signed up they provided her with a copy of her paperwork to review and sign 

so they could submit. Consumer states Ameritech did nit send her the paperwork this 

time to review and sign. Consumer was notified that the paperwork was submitted wit 

her signature. Consumer states she has paid 3,735 to the company.

459 97421187 07/05/2018 Ameritech Financial

i was contacted by ameritech financial about a student loan forgiveness program. I 

payed them $173.00 a month for 12 months only to find out nothing went towards my 

student loan. All they did was put my loan into forebearance and i dont know what 

happened to the money i paid them. I was lead to believe that they were putting it 

towards my loan. Now i am out over $2000.00 and my student loan has actually 

increased. I contacted them only to have them be rude and tell me that i knew what i 

was signing up for. Im already in a tough spot with losing my job and now i find out i 

was basically scammed.

460 97447337 07/05/2018 American Financial Benefits 

Center|Ameritech

Consumer stated she received a letter from FTC regarding American Financial 

Benefits Center (AFBC)/Ameritech. Consumer received an email from AFBC and 

called. Consumer paid a upfront cost of $300 and then set up $200 for first 6 months 

and then $50 there after via checking account.

461 97447360 07/05/2018 Ameritech Financial

The consumer has called regarding a letter she received about action taken by the 

FTC against Ameritech Financial. The consumer was contacted via mail by the 

company and states that they were claiming that they were going to make payment 

$88 p/month plus a $40 p/year payment starting 9/2016.

462 97447381 07/05/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

463 97447428 07/05/2018 Ameritech Financial

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

states that she has never noticed any suspicious with them. Consumer was offered a 

loan forgiveness program offering to bring her loan down. Consumers has been paying 

automatically monthly payments for a Unknown amount.

Ortiz Attachment A - 94

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 95 of 511
Page 95

# Reference Number Complaint Date Company Name Complaint Info Comments

464 97447457 07/05/2018 Ameritech

Consumer called to report that he received a letter from the FTC regarding Ameritech. 

Consumer states that Ameritech is supposed to be paying his student loans. 

Consumer has paid around 4800 at this time.

465 97447460 07/05/2018 Ameritech Financial

Consumer has rec'd a FTC v. Ameritech Financial letter in the mail. Consumer has 

rec'd a letter in the mail from Ameritech. She called the number listed to talk to 

someone about reducing her student loan payments. She was set-up to pay $100 a 

month and in additional $99 a month to Ram Payment Center plus additional initial fees 

for about a year and a half. The company is hard to get in touch with. She spoke to 

Depart of Ed and they had not rec'd any payments from the company.

466 97447519 07/05/2018 Ameritech Financial

Consumer received a letter from the FTC. He reports that he was paying Ameritech 

Financial for several months the amount $108 to get assistance with his student loan. 

Consumer would like to file a complaint for the fraud.

467 97447552 07/05/2018 Ameritech financial 

i have been paying this company for years to help with student loan debt. now, ive 

given thousands of dollars to a company for nothing? im struggling terribly with student 

loan debt.

468 97447681 07/05/2018 Ameritech Financial 

I receievd a letter form the Federal Trade Commission the other day. It stated that they 

are suing Ameritech financial and the Financial Education Benefits Center for deeptive 

practices. I am a customer of Ameritech financial and have been paying Ameritech 

kiney for services that I get get for free on my own from the Department of Education. I 

have paid about $1,300 so far to them abs could gave used that money toward my 

loans and credit cards had I known. I am canceling my membership with them but am 

hoping that I can get help to get refunded money I unnecessarily paid by filing this 

complaint. Other-Other Update

469 97447735 07/05/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

470 97447839 07/05/2018 Ameritech Financial

Was told that I am paying them for loan forgiveness. Was given a contract and agreed 

to pay $82.00 a month for a couple of years then reduced to $49 a month and once 

completely paid off, my loan would be forgiven. I had only one problem with them 

sometime in the first few months where they drafted a payment from my account 

without my consent and when I called to cancel and threaten to sue, they immediately 

apologized, forgave that payment and promised not to do it again. Blamed it on their 

system. It never happened again. Just recently they asked me to resign another 

contract claiming to have changed the company they use to setup automatice 

payments. The agreement of $82.00 stayed the same and I wasn't charged any 

additional fees. Other-Other Update

Ortiz Attachment A - 95

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 96 of 511
Page 96

# Reference Number Complaint Date Company Name Complaint Info Comments

471 97447906 07/05/2018 Ameritech

Consumer is calling to state she received a letter from the FTC about Ameritech. 

Consumer is calling to report that she received a letter from Ameritech stating that they 

could consolidate her loans. Consumer called the number and was told she could open 

a loan for her and then she would have to pay them off with monthly payments totaling 

191.77 dollars. Consumer has paid a total of 2000 dollars through her checking 

account.

472 97447917 07/05/2018 Ameritech I was promised my student loans would be forgiven what do I do? Other-Other Update

473 97447936 07/05/2018 Ameritech Consumer reports she was contacted by Ameritech and she has pad them $6000 over 

a 6yr period.

474 97447946 07/05/2018 American Financial Benefits 

Center

Consumer is calling to file a complaint against American Financial Benefits Center 

.Consumer received letter from FTC regarding the recent lawsuit that was filled against 

this company. Consumer disconnected the call and was unable to provide further 

information.

475 97447976 07/05/2018 Ameritech Financial

I was contacted by Ameritech Financial via a mailing card in early 2016 which advised 

me that based on the "Health Care and Education Affordability Reconciliation Act of 

2010, the U.S Department of Education adjusted their re-payment policies". And that I 

may have been eligible for: $0 Monthly student loan payments, No minimum Income 

Requirement or Credit Check, Loan Forgiveness Programs, No impact on my Credit 

Rating or Score and no program payment for up to 90 days. To confirm my eligibility 

the card stated to call their Student Load Department with a provided account #. 

Which personally makes one feel that the company is affiliated with the Department of 

Education. After my initial call and decision to use them, they provided me the PSLF 

employment certification form, and the Income based application request form which I 

helped fill out and return along with my 2015 income tax return. After which, I began to 

pay the company in monthly installments. Starting in April 2016 I paid $407.00, then 

$307.00 from May 2016 to Aug of 2016. Following that I have paid Ameritech Financial 

$99.00 a month to present day. I have called to attempt to cancel my membership. 

Unfortunately due to high call volume, I had to leave my request to an answering 

service.

476 97448006 07/05/2018 Ameritech Consumer states that he has a complaint with Ameritech. Consumer received a letter 

from us about FTC vs Ameritech. Consumer wanted to add his complaint.

477 97448013 07/05/2018 Ameritech

Consumer called to report that she received a letter from the FTC regarding Ameritech. 

Consumer states that she has paid Ameritech 49 dollars a month for the past two 

years totaling around 1176 dollars. Consumer has been making payments to help with 

her student loans.

478 97448016 07/05/2018 Ameritech Financial AMERITECH COMPLAINTS: The consumer rcv'd the Ameritech letter from the FTC. 

The consumer paid them about $840.00 total.

Ortiz Attachment A - 96

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 97 of 511
Page 97

# Reference Number Complaint Date Company Name Complaint Info Comments

479 97448068 07/05/2018 Ameritech Financial 

Ameritech stated they would lower my monthly payments which they would apply to my 

student loan. My monthly payments to Ameritech did not go toward paying my student 

loans. I have called and am attempting to cancel with Ameritech as of 

7/5/2018.According to the FTC, Ameritech failed to deliver on its promise that people 

could permanently reduce their monthly payments or get total loan forgiveness. The 

FTC also says the company charged illegal upfront fees. In addition, the FTC alleges 

the company told people their fees would go toward their student loan balances, but 

that wasn’t true.The Department of Education doesn’t charge borrowers to enroll in 

repayment and forgiveness programs. That means you are currently paying Ameritech 

for things you can get for free on your own from the Department of Education.

480 97448130 07/05/2018 Ameritech

I was told at first that part of the monthly installment would be going toward my student 

fed loan. After I was contacted by fed loan, I explained to them that I was making 

payments through Ameritech. Fed loan informed me that they had not received any 

payments from Ameritech. I contacted Ameritech to find out why no payments had 

been sent to fed loan. Ameritech told me that they never said they would send 

payments to fed loan. Ameritech said I still had to make payments with fed loan. After 

that I stopped all payments with Ameritech. Thank you for going after them.

481 97448188 07/05/2018 Ameritech

I received a letter from Ameritech in 2016 stating they could help me reduce my 

student loan payments through a special government offer. It would cost me around 

$1,000 up front for them to handle the paperwork and then $99/mo thereafter. By 

participating in this program they offered "free" financial services. I have not used any 

of these service and do not want ony of them. They continue to draft my account every 

month. I recently found out that these services are free from my loan servicer but I did 

not know that at the time. I think Ameritech has scammed me into believing they were 

helping me. I tried to call them today to cancel my accout but I was not able to get 

through due to "higher than normal call volumes".

482 97448203 07/05/2018 Ameritech Financial 

I contacted the company about lowering my student loan monthly payments and was 

told I would have a fixed rate for 300 payments then the remainder would be forgiven. I 

literally called them a week before receiving a letter from your company about the 

lawsuit. The reason i called them was my student loans had accrued so much interest 

and i couldnt understand why. Other-Other Update

Ortiz Attachment A - 97

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 98 of 511
Page 98

# Reference Number Complaint Date Company Name Complaint Info Comments

483 97448226 07/05/2018 Ameritech Financial

Consumer reports recieving a letter by the FTC about the Ameritech Financial. 

Consumer reports paying $200 a monthly. Consumer reports that Ameritech Financial 

failed to deliver on their promised to enroll into a government program that they 

claimed would permanently lower monthly student loan payment for a loan forgiveness. 

Consumer reports that Ameritech Financial has sent Navient a letter to consolidate the 

loan. Consumer reports that Navient was going to turn him to collections.

484 97448244 07/05/2018 Ameritech Finacial Caller states that she wanted to make a report against Ameritech because she was 

also part of the scam with her son as being the victim as well.

485 97448270 07/05/2018 Ameritech Financial

Consumer received a letter from FTC regarding Ameritech Financial. Consumer 

received a mailing from Ameritech Financial and consumer has paid them 1410 for his 

students loans.

486 97448277 07/05/2018 Ameritech Financial

Consumer has rec'd an FTC v. Ameritech Financial Letter in the mail. Consumer has 

enrolled for services about two years after receiving a phone call. They have deducted 

$99 a month from her bank account. She has recently started receiving calls from 

Ameritech wanting to update her billing info. She has been ignoring the calls.

487 97452904 07/05/2018 Ameritech Financial

Consumer received a letter from the FTC Vs. Ameritech Financial and would like to 

know more about the case. Consumer paid them over $2,000 and he initiated his 

monthly payments back in 11/17/2017.

488 97452931 07/05/2018 Ameritech Financial

Consumer has rec'd an FTC v. Ameritech Financial letter. She has made monthly 

payments of $108 since 10/3/16. Consumer states that she rec'd a call from the 

company to re-certify last month.

489 97452965 07/05/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$560 over the course of two years.

490 97452970 07/05/2018 Ameritech Financial

Consumer reports that she is a victim of the Ameritech Financial. Consumer says as 

soon as she finished school they began to contact her offering assistance to pay off 

her student loans. Consumer says they began to offer her there services and get her 

on a payment plan. Consumer made payments of 12 months paying up to $2700. 

Consumer later found this to be suspicious. Consumer received letter from the FTC 

about the lawsuit with Ameritech Financial. Consumer also provided personal 

information including SSN.

491 97453058 07/05/2018 Ameritech Financial Everything seemed legit they used my finanical hardships and promises to help my 

students loans to scam me out of money. If this lawsuit placed aganist ameritech 

ultimately finds there practices illegal .. I just ask for a full refund and compensation

Ortiz Attachment A - 98

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 99 of 511
Page 99

# Reference Number Complaint Date Company Name Complaint Info Comments

492 97453091 07/05/2018 AmeriTech Financial

So in my mailbox I found a slip/flier talking about loan forgiveness and a repayment 

program for certain professions. When working for a non-profit organization, and if I 

quality, by filling out lots of forms, etc., I could qualify for a 10 year repayment program. 

Three installments of $499, $475, $399 (estimated) for first 3 months, then $99/month 

for 120 payments. Then after that, my federal loans would be payed off. So I looked 

into it, seemed legit, passed lots of background checks, and credibility sites. So I joined 

up, went through lots of forms to sign up. I felt weary the entire time, but up until now 

everything seems to be fine. I was with Nelnet which switched to FedLoan Servicing. I 

haven't had an email, warning, call, nothing from the Government warning me or 

saying I haven't paid my loan payments in 3ish years. So I'm confused at what's 

happening. I really need someone to help me out because I've referred several people 

in this program and I feel guilty thinking I did the right thing. The company has my 

FAFSA account information, Federal Loan account information, my Bank account 

information, etc. It's auto pull from my account every month. I just received a letter in 

the mail warning me of the lawsuit against AmeriTech Financial, etc. So I'm following 

the steps mentioned to figure this out. One, so I'm not in trouble for not paying on my 

loans, two, so I can get reimbursed by the company, three, get on a true repayment 

forgiveeness program, and four, to make sure my credit and other isn't affected. 

Please help. Thank you.

493 97453106 07/05/2018 Ameritech Financial

I unknowingly paud for a service that I could have done myself. while I was on the 

ohine with the representative she asjed that I click the "I read" button so 

that I can proceed. she said all that was, was the information she had already given 

me. i paid over $900 for a service to save money when in fact I was actually paying 

them for a service they claimed only they can do. Other-Other Update

494 97453111 07/05/2018 Ameritech Financial

Consumer states that she received a letter in regards to Ameritech Financial and the 

lawsuit against them. Consumer has been a member with them for the past couple 

years. Consumer states that they have paid 2376 dollars to Ameritech in total. 

Consumer has tried to call their office 3 times and has not gotten through to them.

495 97453151 07/05/2018 Ameritech Financial

Consumer is calling to report that he received a letter in the mail from Ameritech 

Financial. Consumer indicate he has been a customer since 2016 and is paying $99 

month and payment was drafted out of his account.

496 97453175 07/05/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

497 97453261 07/05/2018 Ameritech Financial

Consumer reports that she has rec'd a FTC v. Ameritech Financial letter. Consumer 

states that she enrolled by phone in 9/17 with Ameritech. She has called to cancel her 

enrollment. When she requested a refund she was told that it is in their policy not to 

return money.

Ortiz Attachment A - 99

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 100 of 511
Page 100

# Reference Number Complaint Date Company Name Complaint Info Comments

498 97453374 07/05/2018 Ameritech Financial Consumer received a letter from the FTC in regards to the case against Ameritech 

Financial she has been paying $82 monthly to reduce her student loans.

499 97453423 07/05/2018 Ameritech

Consumer states that he received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states he was offered assistance with reducing 

his student loan from Ameritech. Consumer states that he was told if he paid $173 a 

month since 07/01/2017, they were able to forgive her loan. which he found out that no 

payment was going to his student loans. consumer wants to know how he can retrieve 

his money and where to receive additional information.

500 97453450 07/05/2018 Ameritech Financial

Consumer reports they received a letter from Ameritech Financial regarding loan 

forgiveness. Consumer reports they contacted the number and was offered a lowered 

monthly rate for their student loan. Consumer complied. Consumer reports they were 

paying $99 monthly since August of 2017.

501 97453487 07/05/2018 Ameritech Financial 

I was contacted by Ameritech Finacial through the mail telling me they could offer me 

debt forgiveness for my student loans if I paid them $99 a month for 20 years. They 

told me after that time frame the company would pay off the remainder of my student 

loans. They asked to set up an automatic transfer each month from my bank 

. I recieved a letter in the mail from FTC stating 

that there is a lawsuit againast ameritech finacial because the Department of 

Education doesnt charge borrowers to enroll in student loan repayment or forgivness 

programs, and that I am paying for services I can get for free from the department of 

education.

502 97453544 07/05/2018 Ameritech Financial 

A friend of mine had been using Ameritech for over a year and recommended I try 

contacting them when Fedloan wouldn’t offer me affordable payment plans. I contacted 

Ameritech January 2017 where they made promises of payments less than $20 a 

month. they collected multiple payments from my bank account until I contacted them 

again and they told me they hadn’t set up payments yet. they informed me that Nelnet 

was not working well with them and I needed to make bigger payments. needless to 

say Ameritech has collected over $600 from me since January 2017 without a cent 

being sent to Fedloan. It’s a shame that this is happening to so many people whi are 

trying to do the right thing by paying their bills. Loan companies are so difficult to talk to 

and get help from.

503 97453599 07/05/2018 Ameritech Financial

Consumer stated that he got a letter from Ameritech to consolidate and forgive his 

student loans in 10 years. Consumer stated that he was supposed to pay $200 

monthly for 10 years. Consumer did not comply. Consumer stated he received a letter 

from FTC about a lawsuit.

Ortiz Attachment A - 100

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 101 of 511
Page 101

# Reference Number Complaint Date Company Name Complaint Info Comments

504 97453603 07/05/2018 Ameritech financial

i got a letter from ameritech financial about consolidating my student loans to reduce 

the payment and spent over 2 hours on the phone with customer service who told me 

for the first few months that my payment would be 287 and then 99 a month for roughly 

25 years before my loans were forgiven. i have now payed over 1300. i also paid an 

initial fee to begin this program but i dont know how much that was as it was late last 

year.

505 97453709 07/05/2018 Ameritech Financial

July 2016, I recieved a post card from Ameritech about student loan forgivness 

program. I called the number and spoke to Dan. Dan got all my infromation and how 

much I made to come up with a monthly payment plan of 99 dollars a month for the 

next 10 years. He said after the 10 years my student loans would be taken care of 

since, President Obama signed a bill for people working in public service. He said "they 

get a break on their student loans". I also had to pay 200 dollars upfront for the first 

payment. I have been paying them 99 dollars a month for the last 23 months. I 

recieved the letter in the mail stating that the payments were not going towards my 

student loan payments.

506 97453722 07/05/2018 Ameritech financial

i was told by a friend to use this company to help with my forgiveness program. i was 

told i was being enrolled in the public service act forgiveness program. i paid the 

upfront fees and pay about $180 a month for first year then $99 a month for next 9 

years after 10 years tge rest of my federal student loan debt would be forgiven.

507 97453765 07/05/2018 Ameritech

Consumer received a FTC letter, stating that were filling a lawsuit against Ameritech. 

Consumer believes that she gave them 1200 dollars to start the program. Consumer 

states that, they have been charging her monthly 99 dollars.

508 97453832 07/05/2018 Ameritech Financial

I received mail information from Ameritech Financial indicating I may be able to reduce 

my student loan payments, or even receive student loan forgiveness if I worked with 

them. I was in financial difficulty, and I needed to save as much money as I could per 

month. I spoke with a representative and received and reduced rate, as well as 

provided them with the information they needed to assist me with student loan 

forgiveness. After filling out all of the paperwork, and requesting information from my 

employer, I paid the company 99 dollars per month to continue paying my student 

loans. I didn't pay much attention to it after that. Recently, I became concerned about 

where my money was going, as it the information on my checking account appeared 

suspicious. I contacted the company, and transferred my student loan payments back 

directly to the federal government payment system (FedLoan). I contacted Ameritech 

to discuss this with them. They attempted to keep my business by offering monthly 

rates, but no one returned my calls when I wanted to discuss the whereabouts of the 

money. Thank you for your help with this matter.TOPIC:Referrals

Ortiz Attachment A - 101

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 102 of 511
Page 102

# Reference Number Complaint Date Company Name Complaint Info Comments

509 97453841 07/05/2018 Ameritech Financial

I was contacted about my daughters student loans, Parent Plus Loans. I was given the 

impression it was debt forgivness, since my daughter was no longer working due to a 

medical issue, I was trying to get the debt either forgiven or greatly reduced. I was 

under the impression that I was paying them a fee to work with the loan and the 

balance would go toward the loans themselves. I was given a payment plan of $ 

287.00 for the first 5 months then $ 99.00 per month after that. I was told that to 

qualify I had to file my income taxes separate from my spouse. This has been a night 

mare.

510 97459037 07/05/2018 Ameritech Financial

Consumer reports recieving a letter by the FTC about the Ameritech Financial. 

Consumer reports paying $50 a monthly. Consumer reports that Ameritech Financial 

failed to deliver on their promised to enroll into a government program that they 

claimed would permanently lower monthly student loan payment for a loan forgiveness. 

Consumer has contacted Ameritech Financial for a refund and was transferred into a 

supervisor by Ameritech Financial represent. Consumer was informed they would not 

refund her the money. Consumer was informed that the money was going into an 

account. Consumer was informed in 3 years they would pay the principle as informed 

by the original person she spoke to and after the 3 years they apply the money towards 

the loan.

511 97459041 07/05/2018 Ameritech Financial

Consumer states that she received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. She signed up with them and was told that they can consolidate 

her loans and she would be able to pay them off with in 10 years. She was told that 

they would put the money she paid them in an escrow account for her. She paid them 

$132 since 2016.

512 97459088 07/05/2018 Ameritech Financial

Consumer states that she had received a letter from Ameritech Financial stating that 

the FTC had sued Ameritech for deceptive practices. consumer states that she has 

made payment each month.

513 97459167 07/05/2018 Ameritech

Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. 

She has sent them money and they have not paid any student loans. Consumer 

signed up for Ameritech online and has paid them a great deal of money.

514 97459210 07/05/2018 Ameritech

Consumer stated she got a letter from FTC about Ameritech. Consumer stated she 

got something from Ameritech to help pay off student loans. Consumer contacted 

them, she paid them $3000-$4000 that she thought was going towards her student 

loans.

515 97459233 07/05/2018 Ameritech Financial

I was contacted by this company multiple times initally by mail, when I called them 

back, they made sure to tell me they were an homest company to help me pay down 

my student debt. Since 2013, I have paid them at least $100 per month, with yearly 

updates of my income and tax returns to adjust payment based on income.

Ortiz Attachment A - 102

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Page 103

# Reference Number Complaint Date Company Name Complaint Info Comments

516 97459256 07/05/2018 Ameritech Financial

Consumer reports that he has contacted Ameritech Financial for assistance for a loan 

forgiveness. Consumer reports paying $132 a monthly. Consumer reports that 

Ameritech Financial failed to deliver on their promised to enroll into a government 

program that they claimed would permanently lower monthly student loan payment for 

a loan forgiveness.

517 97459268 07/05/2018 Ameritech

Consumer is calling to report that she contacted Ameritech offering their services to 

consolidate student loans. Consumer contacted them and set up payment plans with 

the company.

518 97459275 07/05/2018 Ameritech Financial

I made initial contact with them because of a Facebook post about the college in which 

i got my college degree. I contacted them because my school loans were around $330 

a month and i couldn't pay it. They showed me by breaking it down exactly how much i 

will be saving by going through them. So, I made my first payment on October 14, 

2017 in the amount of $165. They haven't problems running my payment through my 

prepaid credit card. I had to call them once a month. I paid 4 payments before i 

contacted Holly Halverson. I asked Holly Halverson for some bills or notification of the 

bill or any type of explanation to be mailed to me or if i can mail them a money order. 

She says that I can't mail them the payment. She says that no one can mail in a 

payment. Our payments through another company called RAM servicing and I always 

get a text through them. She says no one gets any bills in the mail. We only get email 

notifications and texts and that the payment will always come out the same day each 

month. I wanted proof of where my money is going and they never gave it to me. I 

signed electronically and they never mailed anything in paper.

Ortiz Attachment A - 103

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Page 104

# Reference Number Complaint Date Company Name Complaint Info Comments

519 97459315 07/05/2018 Ameritech

I seen an ad from Ameritech regarding gettng information about ways to lower my 

student loan amount overtime with the lowest possible interest rate. After giving my 

information, I received a call from a Richard Tapia who told me that there are many 

companies that assist with the process of lowering my school loans but they would be 

the best and the only thing that I would have to do is give my information and they 

would fill out all the "complicated" paperwork for me. In the end, the rep 

stated that I would lower my loan amount down by $9,000 if I have them fill out the 

paperwork and pay a one time service fee of $800 which a part of my monthly payment 

to them of $74 a month would include and the rest would go to the student loan debt. 

By the 3rd month of paying them about $74 a month, it was increased to $82 a month 

for unexplained reasons. I have been paying them $82 a month ever since and I have 

just noticed my loan amount is still building over $800 in interest and the amount has 

not decrease at all. The rep (Richard) also stated that the amount would go directly to 

the priciple amount but this is obviously not happening at all. It is likely that it is not 

even going towards my debt at all. I am worried that the government will think I am not 

making an effort to pay my student loans but I am but Ameritech has not shown this 

and they are taking money without me seeing anything for my efforts. It may be 

possible that they are keeping all the money for themselves. Other-Other Update

520 97459334 07/05/2018 Ameritech Finanical

Like many recent college graduates I was confused about where to go about my 

student loan info. I received a letter in the mail from Ameritech Financial w/ an 800 

number to do. After calling that number I spoke to "Stanley Livingston" and enrolled in 

FEBC. He say Ameritech changed an amount (800?) as a processing fee and a fee of 

$100? per month for 12 months, beginning in April 2016. Almost 2 months later I 

received a letter from the U.S. Department of Education that I needed to contract 

Nelnet-where my loan is from. I was able to get my situation resolved w/ Nelnet around 

Memorial Day 2016 and have had no issues since then. Afterwards I called Ameritech 

Financials customer service number to obtain a refund, I wasn't able. I then went to my 

bank, Chase, and claimed it was fraud(Chase agreed w/ me) and I get $800?. I am 

still out around $500-600 but I switched bank accounts so I don't have exact numbers, 

just a rough idea. If it helps I still have some emails w/ the Ameritech Financial agent 

and possibly some physical copies with my account information w/ Globial Solutions, 

where I "paid" Ameritech. Thank you for the opportunity and you may contract me. 

521 97459346 07/05/2018 Ameritech financial 

I have been contacted by them and they assured me that I will be paying lower then 

other services like them. The amount I have been paying for a year have been less 

then what i had been paying before contacting them.

Ortiz Attachment A - 104

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Page 105

# Reference Number Complaint Date Company Name Complaint Info Comments

522 97459395 07/05/2018 Ameritech

I received a letter in the mail about my student loans being cancelled out through this 

program. I literally spent 3 hours on the phone back in February 2016. Since that time 

- I paid an initial fee (can't remember what it was) and have paid $99/month since then. 

I have asked questions about the program and just get told that after 10 years my 

student loan debt will be erased. When I signed up for the program I was married and 

living at a different address (

523 97459401 07/05/2018 Ameritech

A Letter Came in the Mail Offering Student Loan Payment Reduction and Forgiveness. 

I felt i should take advantage of the offer, since I indeed have student debt.I called the 

company and asked about the offer. They told me that they could help lower and help 

me to pay my student debt in manageable monthly payments. I would have to fill out 

paperwork and sign documents indicating i agreed to their terms and fees. They 

charged me an $800 fee From April to May of 2017. Then in August 2017 till Current 

Have proceeded to charge my bank account $100. All of that time I believed that 

indeed my debt was being paid. After recieving a letter from the FTC indicating a 

lawasuit to Ameritech, I called my loan servicer and found that while I was not beiong 

charged my balance had not been reduced. I'm filing this complaint to ensure that it is 

noted that this company is indeed fraudulent as they did not deliver on their offer.

524 97459521 07/05/2018 Ameritech Financial I was making monthly payments but i have now found out these payments have not 

gone to any type of loans i have. I would like a full refund.

525 97459530 07/05/2018 AmeriTech Financial

I received a letter in the mail that I could reduced my loans based on a policy/law set by 

Obama. It said I could pay less based on income and after I five years my student 

loans would be forgiven. When I called The agent who spoke with me, Richard told me 

the same thing. Stating this was something legal and possible done by Obama and that 

since Trump was now in office, this was something that might be taken away, and to 

act now to be grandfathered in so I could get my loans forgiven. Richard told me that 

the part of my payments that would go to my loan. And the rest to the services the 

AmeriTech company provided. A little over a year goes by, I get a call from my loan 

provider, GreatLakes, that I had a payment over due. After logging in online it turns out 

that my student loans were no less then when I started. When I called AmeriTech, the 

new agent I spoke with said none of my payment were going to my loans and all of the 

payment went to the AmeriTech company, contradicting what Richard told me in the 

beginning. For the entire year I was with this company, I was no closer to paying off my 

student loans than when I started. I request a refund but they told me they didn't have 

the authority to do that. I felt cheated and with no other recourse. I now know this 

company is a complete scam and I wish I never called them.

Ortiz Attachment A - 105

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Page 106

# Reference Number Complaint Date Company Name Complaint Info Comments

526 97459535 07/05/2018 Ameritech

Consumer called to report that she received a letter from the FTC regarding Ameritech. 

Consumer states that she had been paying Ameritech since April 2016 but she has 

already cancelled her account with Ameritech and she canceled her membership since 

April because she found out her payments weren't going towards her student loans.

527 97459584 07/05/2018 Ameritech

Sometime in November or December of 2017 I received a pink Final notice letter 

stating it was my last chance to apply for a student loan forgiveness program I may 

qualify for. I called the number and spoke with a rep, I was on break from work and did 

not have time to finish my conversation. Several weeks later I get a return call from this 

company from a young woman. I explain that I am currently on a repayment program 

through nelnet. She then goes on bashing nelnet explaining they are in trouble with the 

federal government. Eventually her supevisor gets on the phone discusses possible 

payment programs I may qualify for and how much they will save me. He also then 

hints that if this girl doesn't sign me up she will be fired. I feel guilty so I sign up, I also 

do not have my bank info on me at the time and convinces me to open a Credit One 

checking account. I later provide my regular bank account. I was very confused and 

thought what would it hurt as long as I am on a repayment program for my loans, that 

is what matters. I am later told I am approved for a $0 plan but am being charged $80 

per month. I am currently a Utah state employee on a limited income with a family.

528 97459643 07/05/2018 Ameritech Financial

They contacted me saying after a few years of paying them $82 per month, I could 

possible be forgiven of student loans. I gave them $641 total and just recently had my 

bank stop payments with them. I would like the money back that I gave them.

529 97459655 07/05/2018 AmeriTech Financial

I found out about AmeriTech in August 2017 through a Facebook ad. I found it strange 

that I received a call from a representative about five minutes after filling out contact 

information to hear about their loan forgiveness program, but I was eager to have my 

loans forgiven. During the telephone conversation, the representative spoke really 

quickly and basically flew past the terms and conditions, which I also found strange, 

but I was told that I had nothing to worry about. With those words I signed the 

paperwork and agreed to make monthly payments. Months later, red flags started to 

appear and things just didn't make sense to me. Every time I attempted to reach out to 

my representative to learn more about my account, I would not get an answer or call 

back. Now I am extremely concerned and I need help.

530 97459763 07/05/2018 Ameritech Financial

they told me i would save money on my loans by paying less each month and having 

more forgiven after 20 yrs. not once didnthey say i was paying them to do paperwork 

and my loans were not getting paid. thry lied about my household number and income 

to get me $0 a month payment through my loan servicer. Due to interest accumulating 

my acount balance rose but 5 grand.

Ortiz Attachment A - 106

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Page 107

# Reference Number Complaint Date Company Name Complaint Info Comments

531 97459786 07/05/2018 Ameritech Financial

On June 9, 2017 I was contacted via postal mail by a company called Ameritech 

Financial. The letter stated my eligibility to participate in a "Student Loan Preparation 

and Processing Services Program" that could prepare me for "Total Loan 

Forgiveness." It also stated "With the implementation of the Health Care and Education 

Affordability Reconciliation Act of 2010 the U.S. Department of Education has adjusted 

their re-payment policies." I spoke to a representative named "Jenny" (916-509-3991) 

who provided me with different payment options. I had to make 3 payments of $407.00 

via automatic deduction from my checking account. After 3 consecutive payments, I 

would make 120 payments of $99 - at which point my student loan debt would be 

forgiven in the year 2027. As of 6/18/2018, I have paid $2,112.00. I received a letter 

from the Federal Trade Commission (FTC) dated 6/27/2018, notifying me that the FTC 

was suing "Ameritech for deceptive practices." I called FTC at 1-877-FTC-HELP and 

reported my complaint to "Christina" who provided me with the following complaint 

number: 97459088. As a back up, I would like to submit my complaint electronically. 

Thank you kindly.

532 97459878 07/05/2018 Ameritech

Two years ago, I recieved a phone call from Ameritech stating that they could help me 

reduce my student loans. Since I am a Kindergarten teacher, which is considered a 

public service occupation, they said I could sign up for $40,000 worth of loan 

forgiveness by paying my loans through Ameritech. I have paid $100 a month to 

Ameritech since June 2016, adding up to roughly $2,400. They collected information 

such as my social security number, my bank account information, etc. At first, I thought 

it was a wonderful opportunity to reduce my student loan debt, so I signed up right 

away. When I received statements from fedloan servicing, all of my bills came out to 

$0, so I thought that was thanks to Ameritech handling my loans. Until recently, when I 

recieved a bill from fedloan servicing stating that I was past due. I immediately called 

the U.S. department of education to find out that Ameritech is a scam, forcing me to 

realize that the deal was too good to be true and that I had been taken advantage of. I 

am hoping to see some of the money back so that I am able to pay it towards my 

actual student loans. Thank you for your time and energy and have a good day.

Ortiz Attachment A - 107

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# Reference Number Complaint Date Company Name Complaint Info Comments

533 97459942 07/05/2018 Ameritech Financial 

I received a letter on June 27,2018 from Federal Trade Commission informing me of 

notice of a lawsuit. On 11/17/2017 an account specialist contacted me about a 

program to lower my monthly payments on my student loans. at the time of the call, i 

was already enrolled in an income driven repayment plan with FedLoan Servicing. I 

was paying $177.00 a month. Lauren, the account specialist told me that she could 

lower my payments drastically. She emailed me several forms. it was a few weeks 

later that I received a later saying that my payment was in fact not going to be lowered 

but INCREASED. I called Ameritech and spoke with someone and asked what exactly 

their company does. I was told that Ameritech does all the required paperwork to 

ensure I get the best payment. I was also told that they pay my loan company directly. 

I spoke with a supervisor that said he would make sure my payment was lower than 

the $177.00 i was orginally paying. He called a few days later and informed me that i 

would be oaying $123.00 to FedLoan Servicing and paying Ameritech 67.00 a month. I 

told him that was a total of $190.00 and that was more than what i was paying before I 

signed up with Ameritech. The suoervisor informed that i was paying Ameritech so that 

all my paperwork was guaranteed to be complete and correct and that at any time 

FedLoan can change my payments but if i was enrolled with Ameritech, my payment 

was guaranteed to stay the same. I recently contacted my loan servicing company, 

Fed Loan servicing and was told that there was no payment made from 11/28/2017 

thru 3/19/2018. Ameritech Financial has debited from my account on five different 

occassions totallying $433.10. None of that money was applied to my Fed Loan 

account. Upon receiving the letter from FTC i have done skme investigationd and 

concluded that much of the information I received from Ameritech was incorrect. My 

monthly payments to Ameritech do not go toward paying my student loans. Ameritech 

does not make payments on my behalf. I was told that The Dept of Education charges 

borrowers to enroll in forgiveness programs when it is actually free. I have since 

cancelled my account membership with Ameritech however everytime i call, an 

answering service answers and takes a message. i have yet to receive a return call 

from them.

534 97459950 07/05/2018 Ameritech

Was previously in law enforcement and contacted by this company to make reduced 

payments on my student loans which infact were not applied to my loan. Automatic 

payments were setup to my bank account. Received a letter from FTC today 

(7/5/2018) regarding this matter.

Ortiz Attachment A - 108

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# Reference Number Complaint Date Company Name Complaint Info Comments

535 97465298 07/05/2018 Ameritech Financial

 

They had a very informative enrollment specialist named Isaiah Felton that convinced 

me to sign up after telling me several times that it wasn't a scam (because I asked 

several times). He even assured me by letting me speak with someone from the 

company's legal department that also told me that it wasn't a scam, and that my 

payments would go towards my student loan debt. They also told me that I was 

approved for and enrolled in the public service loan forgiveness program. Isaiah 

assisted me with filling out all of the forms that was asked of me. Before signing up I 

asked a lot of questions like- is this a scam, can you assure me that it's not a scam, 

will my payment go directly to paying off my loan, is the loan forgiveness program a 

government program and will my loan be forgiven after 10 years? He was able to 

answer all of the questions, all the while assuring me that this wasn't a service that 

takes advantage of people financially. I was also told that all the calls were recorded, 

and he was able to answer all of my questions, which I now realize he and the lady 

from the legal department had lied to me about. I went as far as to look them up on 

Google and the Better Business Bureau's website, but I found nothing of alarm at the 

time. I was told that my first payments would go toward paying them for setting me up 

with the public service loan forgiveness program, and then everything following that 

would go directly toward paying my student loan debt. The said that the program that I 

was signed up for would take 10 years of payments at $99 per payment and at the 10 

years of completing payments (without a late payment) my loans would be forgiven. My 

payments were made by direct payments out of my checking account through my 

bank. When I went back to see how much they had taken out for their services, it was 

different from what Isaiah had said and more payments had been taken out for their 

services than he had told me originally. In the past 2-3 months they have logged into 

my FSA account and changed the password, which I have retrieved, and they have 

been calling and emailing me nonstop to sign a document allowing them to change the 

company that processes my automatic payments from my bank. I didn't sign it because 

the emails didn't have a company logo and didn't' seem legit. I have already called 

them to retrieve my FSA sign in info and to cancel their service and ask for a refund. 

They have I feel completely taken advantage of and would like to see charges brought 

against this company that lied and scammed me and many others out of our money. If 

536 97465323 07/05/2018 Ameritech

i received a letter stating they could lower the total amount i owed. i contacted the 

company and they made some calculations stating if i did indeed ised them i will have 

a much lower payment and final total amountto pay. they entered my fafsa information. 

they started discouting my monthly payment short after. i cancel servicesbecause of 

financial harship after multiple payments.

Ortiz Attachment A - 109

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# Reference Number Complaint Date Company Name Complaint Info Comments

537 97465373 07/05/2018 Ameritech Financial

 

with what they called the student loan forgiveness program because an Ameritech 

representative named Adam McKinley told me: 1.) The process was so complicated 

that I probably wouldn't be able to do it myself, or only after spending a great deal of 

time wading through 50+ pages of information about the federal law. 2.) My lender 

probably would not be willing to help me, and wouldn't be willing to help make sure I 

renew every year as they have an incentive to keep me indebted to them, paying 

interest, and 3.) Ameritech can get me the lowest monthly payment. I 

spent four hours on the phone with Adam to sign up, but started thinking something 

was strange when he insisted that for dependents the government allows you to write 

on the application not the number of children you have, or the number of people who 

depend on you for their main financial support, but anyone I may have given some help 

to in the last year. I was somewhat skeptical, but he insisted that this was the case. So 

I proceeded with the application. Almost as soon as I submitted the application and all 

documents, I started getting a lot of calls and emails from Ameritech asking me to refer 

other people to the program, which I thought was strange. I told one person who called 

from Ameritech that I didn't feel comfortable recommending the program to others until 

things had gone through with my application and I had some experience working with 

the company. I had the application completed and all financial documents submitted to 

Ameritech by August 8, and monthly payments of $108 began to be deducted from my 

bank account, per the agreement with Ameritech, in either August or September. 

Three payments had been deducted from my account when I finally found out that my 

application had been rejected by the federal government back in August. I was never 

informed. I called and emailed Ameritech immediately asking to cancel the agreement 

and have my money returned to me. It was not done immediately. It took a couple of 

weeks, but my money was returned to me and the company allowed me to withdraw 

from the agreement, I believe because I wrote in emails (to Max Hamerman) that I had 

been given misinformation and they did not want me filing any complaint or claim and 

calling negative attention to the company. I was dismayed to call my lender later and 

find out that the paperwork to apply for the government's loan forgiveness program is 

not complicated or lengthy, and to find out that my lender was willing to be helpful. It 

wasn't anything that required the mediation or assistance of a third party. I was also 

Ortiz Attachment A - 110

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Page 111

# Reference Number Complaint Date Company Name Complaint Info Comments

538 97480357 07/05/2018

Ameritech Financial|Ameritech 

Financial|Cheyney University of 

Pennsylvania

CFPB Issue Type: Struggling to repay your loan | Can't get other flexible options for 

repaying your loan --- What Happened: I was referred to this company to help with my 

student loans to not go into default. Ameritech Financial was charging me every month 

with the agreement to pay my student loans monthly. I was made aware that my 

student loans where not being paid and my loans were in jeopardy of defaulting. My 

income tax refund were taken and I was not eligible for any other assistance. --- Have 

contacted: CC Issuer --- Fair Resolution: I am looking for a refund for the payments 

paid to Ameritech Financial. I would like for the Student Loan company to be made 

aware that I was paying in good faith. I would like to be able to participate in another 

program to help with my student loans. --- School Unit ID: --- School OPE ID: 

539 97480516 07/05/2018

Ameritech Financial|Ameritech 

Financial|AI Miami International 

University of Art and Design

CFPB Issue Type: Dealing with your lender or servicer | Don't agree with the fees 

charged --- What Happened: I entered a Service Agreement with Ameritech Financial 

on March 31, 2016 under the pretense that I would be enrolled in the Public Service 

Loan Forgiveness Program and my student loan debt would be forgiven after 120 

qualifying payments. They explained to me that $207.00 would be debited from my 

bank account on 04/28/16 as well as $207.00 for the next 9 months to pay for the 

Program with Financial Education Benefits Center Program and Student Loan 

Financial Education Kit. After those 9 months, I would be debited $99.00 for the 

remainder of the program.I took out a loan under my name and a second one under 

my father's name to cover tuition cost at Miami Int'l University of Art and Design. Upon 

graduation, I began paying back both mine and my father's loans so it grew very 

expensive for me. I received a notice in the mail claiming Ameritech could help reduce 

my loans, so I called and we are now here. I regularly check my account and my 

father's account on myfedloan.org website and the principal amounts have never been 

reduced after starting our plan with Ameritech. I even began paying interest on my 

father's loan in 2017 as we are enrolled in the income-based/contigent repayment 

plans. I am very concerned about this current lawsuit against Ameritech and it how 

affects me because I was counting on making those 120 qualifying payments for my 

student loans to be forgiven. I can't believe I've been paying $99 towards my account 

and $99 towards my father's account monthly since 03/28/2017 and it has all been for 

nothing. I am not sure now if I even made any qualifying payments and I cannot afford 

to start this process all over again. I would really appreciate any help or guidance you 

could provide me. Thank you! --- Fair Resolution: A fair resolution would be to receive 

a refund for all the money I paid to Ameritech Financial since April 28, 2016. I don't 

think it's fair to pay for something and get nothing in return especially after a promise 

was made to lower my student loans. --- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 111

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Page 112

# Reference Number Complaint Date Company Name Complaint Info Comments

540 97481102 07/05/2018

Ameritech Financial|Ameritech 

Financial|University of MichiganFlint

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I was contacted by Ameritech Financial about 

my student loan debt. I was told by a member that they would be able to help me save 

$41,000 dollars. I worked with Brandon 916-526-0973 and Desiree 916-605-0299. 

These individuals above led me to believe that this company would help keep my 

payments at a fixed income and that after 10 years my debt would be wiped clean. I 

was provided these figures: I was currently pay $236.00 a month on my student loans. 

$ 263 X12 = $3, 156 x 25 = $78, 900 in student loan debt.They helped me enroll in a 

program for a family size of 4. For seven months I paid them $235.00 starting on May 

15th, 2017 on months 8 and beyond I paid $126.00 a month. $27.00 was to go towards 

Mohela and $99.00 was to go to AMERITECH FINANCIAL to disburse to my student 

loans on my behalf . The FEBC was to receive $26.53 I was instructed that the 

$126.00 for a year= $1512 x 25 = 37, 800 . Thus saving me $41,100. I was made 

aware that the FTC was filing a suit against Amertech Financial on July 3, 2018. I have 

contacted them to cancel my business with them and gain control or my student loans 

and I have not heard from them. I want to know where my money that I paid them went 

to. --- Have contacted: CC Issuer --- Fair Resolution: I was under the impression it 

would be going towards my student loans. I am upset that I was deceived and would 

like a resolution in this matter. I would like a refund and for them to cancel my 

business and financial dealing with them. --- School Unit ID: --- School OPE 

ID: 

541 97481113 07/05/2018 Ameritech Financial|Ameritech 

Financial|Rust College

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I was a customer of Ameritech Financial. In 

Connection with Navient ( Student Loans) FTC has sued Ameritech for deceptive 

practices. The Financial Education Benefits Center did not apply my payments towards 

my student loans. I was charged a total of $1320. --- Have contacted: CC Issuer --- 

Fair Resolution: If I can get a full refund of the monthly payments that were paid to 

Ameritech and also the processing fees as well. --- School Unit ID: --- School 

OPE ID: 

Ortiz Attachment A - 112

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Page 113

# Reference Number Complaint Date Company Name Complaint Info Comments

542 97481119 07/05/2018 Ameritech Financial|Ameritech 

Financial

 

Happened: I received a letter from Ameritech that said they were a student loan 

forgiveness program and they wanted to help me.8/28/17: I called Ameritech and 

spoke to Phil Lacefield. He explained the service to me and convinced me to sign up. I 

assumed the money that was going to Ameritech would be going towards my students 

loans. Phil emailed me documents to sign that allowed Ameritech access to my FSA 

and Fedloan account so that they can place my loans on forbearance. 9/27/17: I 

emailed Phil Lacefield to see if my first payment was received and he told me I could 

track my payments on ramservicing.com AND my loan servicer's website.3/26/18: I 

checked my fedloan account to see pay payments and noticed no payments were 

being made my loans. I had suspicions about Ameritech not being a legit student loan 

forgiveness program and called to get more information. I called and told Ameritech I 

wanted to cancel my membership and get a refund of the money I gave them since 

payments were not being made. A representative told me I could not get a refund and 

reassured me that they were a student loan forgiveness program and that the way it 

works is that I technically am paying Ameritech to keep putting my loans on 

forbearance every year and once I finish my final payment, all my loans on fedloan 

would be forgiven(including the interest that I accumulated). He said "we are a legit 

company and this is why we leave a paper trail". 9/27/17-3/27/18: Ameritech withdrew 

$235 monthly ($1,645 total) from my account3/27/18-6/27/18: Ameritech withdrew $29 

monthly ($297 total) from my account7/3/18: I received a letter from the U.S.A. Federal 

Trade Commission that said Ameritech was being sued for deceptive practices along 

with things I need to know and steps I could take7/4/18: I called Ameritech and emailed 

Ameritech and Phil Lancefield to get my membership cancelled but I kept getting the 

busy signal. 7/5/18: I called FTC to file a report and was sent to consumer finances 

and spoke to a representative that guided me through the steps to file a complaint. 

7/5/18: I called Ameritech to get my membership canceled but a representative said 

she would take my information down and have someone call me within the next 2 

business days. --- Have contacted: CC Issuer --- Fair Resolution: I would like to be 

removed from their membership and refunded the money they collected so that I can 

put it towards my student loans through my actual student loans company. I would also 

like all of my personal information (along with my referrals) removed from their 

543 97481239 07/05/2018 Ameritech Financial|Ameritech 

Financial

CFPB Sub product: Federal student loan debt --- CFPB Issue Type: False statements 

or representation | Impersonated attorney, law enforcement, or government official --- 

What Happened: Ameritech Financial collected thousands of dollars from me and said 

my student loan was paid.I have just learned that their organization is fraudulent! --- 

Fair Resolution: Compensation of all the money they have collected from me on false 

claims that it was going towards paying off my parent/student loan.

Ortiz Attachment A - 113

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 114 of 511
Page 114

# Reference Number Complaint Date Company Name Complaint Info Comments

544 97481363 07/05/2018 Ameritech Financial|Ameritech 

Financial|Bellarmine University

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I received info about American Financial 

Benefit Center as an option to help me lower my monthly payments on my loans. I 

contacted them and they were very friendly and helpful and I have been utilizing them 

for four years now. Then my husband graduated and I told him to do the same 

because it was great. So he did, but this time they were calling themselves Ameritech. 

Still very nice and very helpful and although that seemed weird we went with it. Then 

two days ago we received a letter from the United States of America Federal Trade 

Commission advising us that Ameritech was being sued for deceptive practices and 

that we should look into our services. I contacted my lender to learn that I was on a $0 

monthly payment due to a family size of 8. That is much larger than my family is. I did 

not understand that is how my monthly payment was so low. I paid them $49.50 each 

month for four years in addition to initially paying them $1200 over four payments to 

initialize the program. So for four years I have had a "$0" payment and paying them 

each month, all the while my interest has been sky rocketing on my student loan. My 

husband pays them $74 each month for a "$0" monthly payment. I feel so ignorant now 

that I didn't see this as deceiving until we called to check in with our lenders. --- Fair 

Resolution: I would like my money back. I have documentation showing the first four 

payments of $300 that started in April of 2014- July of 2014 and then three payments 

of $200 for Aug, Sept and Oct of 2014, then $49.70 each month since then. I estimate 

that adds up to approx. $3,986.80. I assumed I was paying for a service that was 

helping me decrease my monthly student loan payment through an income based 

repayment plan. I understood that after 25 years my debt would be forgiven. It looks to 

them like I have never made a payment because my monthly payment amount has 

always been $0. So not only have I not started toward my 25 years but my interest has 

just been accumulating and accumulating and now I have accrued over $43,000 in 

interest alone. This is devastating. Unfathomable to me. I would like to ask for my 

interest to be forgiven but I'm sure that is a tall order. So I think fair would at least be 

reimbursing me what I paid out that went straight into your pocket. --- School Unit ID: 

--- School OPE ID: 

Ortiz Attachment A - 114

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 115 of 511
Page 115

# Reference Number Complaint Date Company Name Complaint Info Comments

545 97481682 07/05/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Getting a loan | Fraudulent loan --- What Happened: In July of 2016, 

a post card came in the mail from Ameritech Financial. The card mentioned that 

President Obama, signed something for loan reconsolidation for people that work in 

public service. Called the number. Talked to Dan from Ameritech financial. He stated 

because I was a nurse and I worked in Public Service, that I would pay one free upfront 

$200 dollars, and there on 99 dollars a month. I have been paying the 99 dollars a 

month since August 2016 to June 2018. I received in the mail from the Trade 

Commission that these payments are fraudulent and not going towards paying off my 

student loan. --- Fair Resolution: The fair resolution would be to cancel my account and 

for the money to be returned to me. All the money that was given to them. This money 

then can be returned and paid to my student loan, like I thought it was in the first place.

546 97481694 07/05/2018

Ameritech Financial|Ameritech 

Financial|Kaplan UniversityDavenport Campus

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I decided to find a loan forgiveness program to 

start paying off my student loan and so it would not go against my credit score. I 

received a letter in the mail that said i I maybe eligible for services. I called the number 

and talked with a representative from Ameritech Financial. Her name was Sasha 

ganapolskiy. She told me that i would pay $173 for 13 mos then the payment would 

decrease to $99 the 14th mos and going forward. She then transferred me to another 

agent who said that i would have to give my bank info because the payments had to be 

direct deposit so i did. Every month, they have been taking out $173 and now $99 as 

they promised. I have received a letter in the mail from federal trade commission that 

they are sueing Ameritech Financial for deceptive practices and the court has not ruled 

yet and that the money I've been sending them is not going towards my student loan. It 

also said for me to file a report and call them directly to cancel my membership which I 

will do after filing this complaint. I can send more documentation showing payments 

and the contract I've made with them if needed. --- Fair Resolution: I want a refund for 

all the money that they took from me or at least put the money taken towards paying 

off my student loan. --- School Unit ID: --- School OPE ID: 

547 97704637 07/05/2018 Ameritech|Ameritech Financial

CFPB Issue Type: Fraud or scam | --- What Happened: My complaint is that I have 

been paying Ameritech for them to submit information to the Department of Education 

on my behalf in hopes that me paying them the monthly amount that they requested for 

processing documents on my behalf for a period of 10 years and the end result was to 

be loan forgiveness and I have found that it is a scam. The monthly amount is $100 a 

month. I have been in the program approximately 2 years. --- Fair Resolution: I would 

like to be refunded all the installment payments. I would like the interest that I should 

have been paying for them to pay it. Because the loan has been in a deferment during 

that time.

Ortiz Attachment A - 115

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 116 of 511
Page 116

# Reference Number Complaint Date Company Name Complaint Info Comments

548 98274638 07/05/2018 Ameritech Financial

I was using my student loan service, Navient, up until Jan 2016 when Ameritech 

financial contacted me and completely deceived me on their services stating they could 

help reduce my monthly payments and in turn aid in my loans being forgiven under the 

Public Service Forgiveness Program. This was not the case and none of the payments 

I have made have gone toward my loans. For me to get the forgiveness in 10 years, I 

have to make 120 eligible payments toward my loan and Ameritech haven't made any 

payments since I became their client in 2016, which has set me back almost $3,500 

paid to them in the last 29 months ($407 for 2 months and $99 for 27 months) and my 

loan balance has increased due to interest accumulation of over $1,000. I want my 

money back and my membership canceled ASAP! I have tried to call the customer 

service line and have no luck with getting a call back just talked to a lady who took a 

message for one of the reps to call me back --- Additional Comments: I want all my 

money back they scammed me out of which didn't do anything to help my loans, all 

they did was pocket the almost $3500 I paid to them over the last 29 months and allow 

my interest to accumulate.. I would also like my membership with them to be cancel 

now and no other payments to be taken out of my account in the meantime

549 98929342 07/05/2018 AMERITECH FINANCIAL

550 97383879 07/06/2018 Ameritech Financial

The consumer calling in regard to Ameritech Financial. Consumer was contacted by 

Ameritech Financial regarding a loan forgiveness program. Consumer states he was 

charged an upfront fee. He states he applied on 5.9.2016. He will call back with the 

amount of his upfront fee. UPDATE:07/06/2018 Consumer states he paid about 1500 

to get into the program with a monthly fee of $99. Paying about $4371.00.asoto. - 

Consumer requested additional fulfillment.

551 97384196 07/06/2018 Ameritech Financial

The consumer is reporting against Ameritech Financial. The consumer has been 

paying them for her student loan. The consumer is out $1000 approximate.UPDATE: 

07/03/2018 Consumer is calling to make sure she did reported her complain to a 

legitimate phone number for the FTC. Consumer was directed to Ameritech, 

FTC.GOV/Ameritech, and the Department of Education. UPDATE 07-06-

2018 Consumer is calling to report that she contacted Ameritech and cancelled her 

services with them. 

552 97453224 07/06/2018 Ameritech

Received a letter about the FTC suing Ameritech Financial regarding deceptive 

practices with student loans. Have been paying monthly payments of $108 dollars to 

Ameritech in exchange for a lower rate than the $130 to Nelnet services. UPDATE: 

07/06/2018 Consumer wanted to know if she needed to do anything. 

Ortiz Attachment A - 116

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Page 117

# Reference Number Complaint Date Company Name Complaint Info Comments

553 97465386 07/06/2018 Ameritech Financial

I learned about this company. Although I did extensive research, I generally had no 

reasons for concerns until I learned that I was paying for additional services, noticed no 

decreasebin the amount of the student loan, and today I received a letter from FTC 

about a lawsuit. In addition, I received an email that my FSID has been changed 

without my authorization. Other-Other Update

554 97465708 07/06/2018 Ameritech Financial

I received a letter in the mail stating that I could reduce my monthly loan payments and 

reduce the time it took to pay them back. I contacted Ameritech for more information 

and was asked multiple questions about my financial status and family size. Had to 

send in documentation and such. The first few months my payment was more as I had 

to pay the fee for this service, then payments dropped to $99 a month. I've been paying 

Ameritech for well over a year now.

555 97465720 07/06/2018 Ameritech

I was contacted a few years ago from Ameritech telling me I could have my school 

loans paid off in 10 years at about $100 month. Since I was paying about $345 a 

month at the time it sounded good. They told me since I was a teacher I would get a 

special rate. I have been for over 2 years. I gott the letter saying your are suing 

Ameritech. I now feel like an idiot for believing what they said. I am now teaching in a 

Title one school district and hoping to do so for 5 years so I can have my loan taken 

care of now that I see this letter. I am disheartened to know what has been happening.

556 97465732 07/06/2018 Ameritech Financial

On 3/8/17 I called Ameritech Financial about a letter received regarding student loan 

forgiveness program. I was told the program would submit payments toward my 

student loan and after 10 years the total amount of my loan would be forgiving since I 

was a federal employee. Other-Other Update

557 97465747 07/06/2018 Ameritech Financial Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate she has been a customer since 2016-2017 and is paying 

$220 month and one time payment of $500 payment was drafted out of his account.

558 97465785 07/06/2018 Ameritech Consumer is calling to report that he received a letter from FTC v Ameritech Financial. 

Consumer was with the company since 2013 and has paid $10,000.00.

559 97465791 07/06/2018 Ameritech Financial

Consumer reports she attempted to get a membership with Ameritech Financial to help 

her lower her student loan debt payments, consumer provided them with all her 

personal information but did not proceed with the payments. Consumer noticed they 

were fraudulent because they gave her an address to send a check but the address 

was for an apartment.

560 97465847 07/06/2018 Ameritech Financial

Consumer has received the letter from the FTC in regards to the case against 

Ameritech Financial. She started her payments with them back in March and has been 

paying $173 monthly. Consumer would like to file the complaint against this company 

for the reasons that the letter states.

Ortiz Attachment A - 117

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 118 of 511
Page 118

# Reference Number Complaint Date Company Name Complaint Info Comments

561 97465858 07/06/2018 Ameritech Financial

In March of 2016 I received a mailing indicating that Ameritech Financial could assist in 

enrolling me into a student loan forgiveness program and also lower my monthly 

payment. I was charged $50 per month for approximately 18 months before I removed 

myself from the program due to realizing that the company was simply filing forms that 

I could fill out and file on my own for free. Upon submitting my forms for 2018, I 

discovered that Ameritech had incorrectly listed my family size as 4 for the purpose of 

lowering my monthly payment. While I appreciated the lower payment at the time, I 

was unaware that my family size was listed as 4 and when submitting my forms for 

2018, my payment increased by 2.5 times, from $130 to $309, which has created a 

strain on my budget. I have since worked with my loan provider to establish a slightly 

lower payment program.

562 97465864 07/06/2018 Ameritech

Consumer states she got a letter from the FTC on 07/05/2018 about Ameritech. She 

signed up with Ameritech in 2016. She pays 82 dollars a month and the payments 

come out of her bank account automatically.

563 97465889 07/06/2018 Ameritech Financial

Consumer has rec'd an FTC v. Ameritech Financial letter. She had been receiving 

several notices from Ameritech and was offered services to help with her Student 

Loan. She was behind at the time. She paid $200 a month for about 6 months and 

later a reduced amount with Ameritech and was told not to pay her lender. She later 

discovered that this was a scam and has cancelled her membership.

564 97465907 07/06/2018 Ameritech Financial

Consumer has received the letter from the FTC in regards to the case against 

Ameritech Financial. She started her payments with them back in March 2016 and has 

been paying $100 monthly. Consumer would like to file the complaint against this 

company for the reasons that the letter states.

565 97465936 07/06/2018 Ameritech Financial

I was contacted by Ameritech Financial in regards to my College loans and was led to 

believe that their services would help to reduce the amount of my loan payments over 

a 10 year period after which the balance remaining would be forgiven by the 

Government. After 6 months of payments my loans are currently in Deferrment and no 

monies have been paid towards them and my loans have accrued additonal interest 

during this period. Other-Other Update

Ortiz Attachment A - 118

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 119 of 511
Page 119

# Reference Number Complaint Date Company Name Complaint Info Comments

566 97465959 07/06/2018 Ameritech Financial

In April of 2016 I received an email from AmeriTech stating that they could assist with 

my student loan debt. The representative explained that they worked closely with the 

Dept of Education and the Loan Forgiveness programs; a tremendous about of 

documents were requested. I was told that they would refinance my student loans and 

lower my monthly payments to $99.00 a month and I would pay this amount for the 

next 20 years and the remaining balance would be forgiven. These monthly payments 

would go towards to my student loans plus what I was paying to the Dept of Education 

would decrease the total balance of student loans owed. I've been paying AmeriTech 

for 2 years and the balance of my student loans increased placing me in a deeper 

financial hardship. Just to find out none of the money paid went towards my student 

loan debt.

567 97465968 07/06/2018 Ameritech

Consumer is calling to report that he received a call from Ameritech offering their 

services to consolidate student loans. Consumer contacted them and set up payment 

plans with the company. Additional emails: lebrea.bell@ameritechfinancial.com, 

Arianna.feeny@ameritechfinancial.com, costumer.service@ameritechfinancial.com, 

Kristina.sciortino@ameritechfinancial.com, sonya.griffin@ameritechfinancial.com and 

holly.halverson@ameritechfinancial.com

568 97466053 07/06/2018 Ameritech Financial

Consumer has received the letter from the FTC in regards to the case against 

Ameritech Financial. She started her payments with them back in September 2016 and 

started paying $198 for the first two months and then started to pay $99 monthly. 

Consumer would like to file the complaint against this company for the reasons that the 

letter states.

569 97466079 07/06/2018 Ameritech Financial 

they told me I would save about $27k of my debt with them snd would make low 

monthly payments. i recently emailed them my 2018 tac information and bank account 

and social because i thought they were a legitimate financial company i coule trust. I 

feel betrayed and now im in even more debt bc of this

570 97466087 07/06/2018 Ameritech Financial

Consumer received a letter from the FTC about Ameritech Financial. They didn't help 

lower her student loan and she paid them $99 a month. Consumer stated she had to 

send them all of her information and they wanted her to fill out her information. 

Consumer received a letter in the mail from Ameritech and she called them. Consumer 

did stop paying them.

571 97466169 07/06/2018 Ameritech Consumer states she got a letter in the mail from the FTC about Ameritech. She 

signed up with them on Aug 2016. They contacted her email and she called them. She 

is paying 108 a month through auto draft with her bank. She has paid them 2376.

Ortiz Attachment A - 119

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Page 120

# Reference Number Complaint Date Company Name Complaint Info Comments

572 97466179 07/06/2018 Ameritech

I was sent information from Ameritech about student loan forgiveness in the mail. I 

contacted the company and they contacted my student loan provider and made my 

payments lower. I have been paying these payments for a year. The money is taken 

out of my bank account monthly. Ameritech is now being sued by the Federal Trade 

Commission for fraud. I contacted my student load provider and they said that 

Ameritech contacted them and changed my entire account information so that they 

could pocket all of the money. An actual student loan payment hasn't actually been 

made to my provider in a year. I have tried to cancel my membership with Ameritech, 

but they haven't returned my calls.

573 97466206 07/06/2018 Ameritech Financial

Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate she has been a customer since 2015 and is paying $223 

a month and payment was drafted out of his account.

574 97466208 07/06/2018 Ameritech Financial

Consumer states that she had received a letter from Ameritech Financial stating that 

the FTC had sued Ameritech for deceptive practices. consumer states that she has 

made payment each month.

575 97466237 07/06/2018 Ameritech

Consumer is calling to report that she received a letter from the FTC about Ameritech. 

Consumer is calling to report that she received a letter from Ameritech stating they 

could consolidate her student loans. Consumer called them and was told to make 

monthly payments. Consumer has paid a total of 7000 dollars through her checking 

account.

576 97466239 07/06/2018 Ameritech Consumer reports that automatic payment are via RAM for his student loans through 

Ameritech. The consumer wanted to be included in the lawsuit against Ameritech.

577 97466247 07/06/2018 Ameritech

The consumer has debt consolidation services through Ameritech. The consumer has 

been paying them and discovered that her payments weren't going towards her loan. 

another email they were using is customer.service@customerfinancial.com

578 97466270 07/06/2018 Ameritech Financial

Early in 2016, I enrolled in a student loan debt relief program through find Ameritech 

Financial. This program was to greatly reduce my monthly payment to my student loan. 

I paid 3 months of a very large amount to establish the account, after that, was a 

standard payment for each month, automatically debited out of my checking account. 

Each year Ameritech Financial reviewed my finances and reevaluated the payment. 

Since January 2018, I have been paying a monthly amount to the student loan 

borrower as well as the money going to Ameritech Financial. I had a struggle at one 

point as my contact person, Neil Aldermen, was somehow no longer employed and it 

took a long time for me to get a hold of another contact person.

Ortiz Attachment A - 120

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 121 of 511
Page 121

# Reference Number Complaint Date Company Name Complaint Info Comments

579 97471476 07/06/2018 Ameritech Financial

Consumer is calling on regards to a letter received by the FTC about Ameritech 

Financial. Consumer reports that they have promised to enroll her into a government 

program that they claimed would permanently lower monthly student loan payments for 

a loan forgiveness. Consumer reports that she has contacted Ameritech Financial for a 

refund. Consumer is directed to an answering services when calling. Consumer reports 

that the representative is not aware of the lawsuit.

580 97471479 07/06/2018 Ameritech

Consumer is calling to report that she received a letter from the FTC about Ameritech. 

Consumer is calling to report that she does not remember if she signed up for services 

with Ameritech but she did receive the letter from the FTC. Consumer has paid a total 

of 3000 dollars by sending money orders. UPDTE: 7/6/18 Consumer says she 

contacted Ameritech and asked for a refund but they said they closed her account 

back in February 2017. Consumer said she went to school for one year and 1 month. 

msmaw

581 97471557 07/06/2018 Ameritech Consumer reports she received a letter from Ameritech offering to lower the interest 

rates on her Student loan if she paid $108 a month for a 10 yr period.

582 97471628 07/06/2018 Ameritech Finanacial

Consumer has rec'd an FTC v. Ameritech Financial letter in the mail. She rec'd a call 

from the company and was offered assistance with her student loan. Her payment was 

based on her household income and was informed that she would pay the loan off in 7-

10 years. She has been making monthly payments since Feb or March 2017.

583 97471669 07/06/2018 Ameritech Financial

Consumer call is regarding Ameritech Financial. She states she has been making 

payments since Jan. 1, 2017. She states she has paid approximately $1,800 so far. 

She states that she received a letter in the mail from Ameritech Financial and called 

them in regard to the loan forgiveness program. Consumer has no other information at 

this time.

584 97471677 07/06/2018 Ameritech Ameritech Complaint: Consumer has lost approximately $3,000. Consumer did not get 

any benefit for his money.

585 97471689 07/06/2018 Ameritech Financial

Ameritech Financial reached out to me via mail. I owe a lot in student loans and cannot 

afford to pay the whole payment amount and they offered a discounted payment 

program. I've been paying them $99 for 2 1/2 years thinking that this has been going 

toward my student loans; which I'm now learning is not true. They have changed my 

passwords for my FSA account without my permission...I have requested them not to 

do and did anyway. If I had known this money wasn't going toward my loans I would've 

paid it directly. I feel very foolish and angry and would like to get my money back as to 

correct this situation with my student loan providers.

Ortiz Attachment A - 121

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Page 122

# Reference Number Complaint Date Company Name Complaint Info Comments

586 97471733 07/06/2018 Ameritech Financial

Consumer states that she received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. She was told by them that they could reduce her student loans in 

half and she would only have to pay them $82 a month. She has been paying them 

since 2016, but she is not sure how much she has paid them. UPDATE 7/6/18: 

Consumer called back to report that Ameritech refused to refund her money. 

587 97471775 07/06/2018 Ameritech Financial 

I had fallen behind on my student loan payments because my notices were going to my 

father's address in California but I currently live in Maryland because I was going to 

school in DC. In one of my student loan notices there was a letter about debt 

consolidation which I accidentally called thinking it was my loan servicer which I was 

calling to set up automatic payments. The lady I spoke to on the phone said that she 

could help me consolidate my debt and I spent hours on the phone with her over the 

course of the next week trying to set everything up. I have been paying a set amount a 

month and I was told that it will reduce after a year of on time payments. I didn't have a 

bad experience with them or have to pay any money upfront like I am reading in a lot of 

people's encounters. In fact I noticed my debt did decrease as well as it being marked 

on my credit history as being paid so I assumed Americtech Financial was paying my 

loans on my behalf. I just had money taken out of my account yesterday and then I 

came home and saw a letter from the FTC. I was under a totally different impression 

so now I am confused and upset because I want to know where money is going and if 

this will affect my student loan status and my credit history.

588 97471855 07/06/2018 Ameritech

Consumer states that she received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states she was offered assistance with reducing 

her student loan from Ameritech. Consumer states that she was told if she paid $89 a 

month, they were able to forgive her loan. which she found out that no payment was 

going to her student loans. consumer wants to know how she can retrieve her money 

and where to receive additional information.

589 97471875 07/06/2018 Ameritech Financial Consumer stated that she got a letter from FTC about Ameritech Financial. Consumer 

stated she contacted Ameritech to consolidate her student loans, and she was 

supposed to pay $88 monthly. Consumer does not know how much she has paid.

590 97471887 07/06/2018 Ameritech

Consumer received a letter from the FTC concerning the case against Ameritech. The 

consumer had found the company on Facebook, and they claimed they could offer the 

consumer a ten year loan forgiveness program. The consumer has been sending them 

83 dollars a month since April.

Ortiz Attachment A - 122

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Page 123

# Reference Number Complaint Date Company Name Complaint Info Comments

591 97471888 07/06/2018 Ameritech Financial

Consumer stated that he is a customer of Ameritech Financial and he received a letter 

from the FTC regarding the lawsuit that had taken place. Consumer stated he had paid 

them about $3,908 via debit charges and later learned the payments were not made to 

his lender.

592 97471929 07/06/2018 Ameritech

Consumer reports she responded to an ad online and contacted them and agreed to a 

contract to pay them $60 a mth for Student Loan Forgiveness. Consumer states she 

has paid them $500

593 97471933 07/06/2018 Ameritech

I recieved a letter from the FTC about a lawsuit against Ameritech. I have asked them 

several times to stop taking payments from my bank account when I found out that non 

of the monies I have paid were going against my student loan. They told me it was for 

the paperwork process, I was furious, then they asked me to send themn a copy of my 

tax return, I said no, then they sent me a ton of paperwork and asked me to sin it and 

that they would fill in the rest, I again refused (that to me would be like signing a blan 

check). they continue to debit a 132.00 a month from my account, I have paid 2376.00 

I am hopeful that your office might be able to assist me.

594 97471990 07/06/2018 Ameritech

I heard a commercial on the radio and was looking for help with my student loans. I 

called and we got the process started and then I started making payments until my 

husband was in two car accidents back in 2017. Then I was able to be placed on not 

paying anything for my student loan but just paying them $99 a month for their 

services.

595 97472045 07/06/2018 Ameritech Finacial

 A friend recomended this program to forgive my loans, the representative called me 

and told me it would forgive my loans to half and that they will make the payments to 

my loan company. I pay $132 every month and they said that my loans would be 

reduced to $11,000

596 97472050 07/06/2018 Ameritech

Consumer is calling because he received a letter form the FTC VS Ameritech. 

Consumer stats that the company sent him a letter about 6 month ago telling him that 

they can help him with his student loans. consumer was told that because he works 

with a school his student loans could be taken away after a 10 years of paying the 

company.

Ortiz Attachment A - 123

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Page 124

# Reference Number Complaint Date Company Name Complaint Info Comments

597 97472085 07/06/2018 AmeriTech Finanical

I was contacted by AmeriTech Financial to enroll in a student loan forgiveness 

program. I was skeptical at first and asked a lot of questions and requested 

documentation (I have emails). I declined to enroll in the program several times but of 

course they were persistent in calling and pleaded this was the program for me. I was 

led to believe they would help to lower my payments and after a certain amount of time 

my loan would be forgiven. I was also under the impression the payments I was 

making would be applied toward my loan. Recently I learned nothing was being applied 

to my account. I canceled my membership and did not receive any money back. I was 

enrolled in the program for about a year and a half, so they took about $1800. I am 

embarrassed and upset about the situation, however I must move forward. Since then 

I've contacted my lender to get on track with paying my student loans. I'm also 

concerned because they have all of my personal information. When I asked to cancel 

my membership the manager was unpleasant and did not follow up and did not send 

an email as promised. I had to call several times to ensure my account was canceled. I 

requested for my information to be destroyed but I'm unsure if that occurred. I'm 

constantly monitoring my credit report as I'm unsure what this company will do with my 

information.

598 97472125 07/06/2018 Ameritech

I THOURGHT THAT THE COMPANY WAS GOING TO DO THE RIGHT THINK BY 

PAYING OUR STUDENT LOANS BUT THAT WAS NOT THE CASE. I AM UPSET 

AND PISSED THAT I GAVE THEM CLOSE $15,000.00 AND IT WAS NOT GOING TO 

MY STUDENTS LOANS. I WOULD LIKE TO GET A REFUND AND MY MONEY 

BACK FROM THIS COMPANY AMERITECH! THANKS!

599 97472165 07/06/2018 Ameritech Financial

I was contacted by Ameritech Financial sometime last year with a letter that had a logo 

of the Dept of Education on both the letter and envelope. Because I saw the logo, I 

assumed Ameritech Financial was a legitimate company that could help consolidate 

my loans. I was perplexed when they informed me that the only consolidation they 

could do of my loans is of my federeal loans, and not my private ones, as I had 

previously consolidated my own federal loans by myself. But after an hourlong chat 

with Jason Castenada a loan specialist, I went forth with giving all my personal 

information (bank account, student loan accounts information) to Jason, and of course, 

the payment in getting this loan service. I am very distraught by the situation, as I 

always felt as if something was wrong and fishy about this whole deal, and I wish I 

listened to my intuition in this circumstance. When I received the letter from FTC 

regarding the lawsuit against Ameritech, I was relieved but now anxious knowing how 

Ameritech is a total fraud and has all my personal information. It's a disservice how 

they are poaching on students who are just trying to pay back our loans. As adviced by 

the FTC letter, I contacted and e-mail Ameritech for a total refund of $1027 (initial fee 

of $235 along with monthly $99 fee which all started Oct 16th, 2017).

Ortiz Attachment A - 124

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Page 125

# Reference Number Complaint Date Company Name Complaint Info Comments

600 97472196 07/06/2018 Ameritech Financial Consumer received a letter from FTC vs Ameritech Financial. She had paid $207 for 

the first year and $100 for the next year.

601 97472232 07/06/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $99 since May of 

2016 to cover their student loan consolidation services. So far she has paid them 

$2574 which has not gone towards her student loan debt. She just received a letter 

from the FTC regarding action being taken against Ameritech.

602 97472243 07/06/2018 Ameritech Consumer is calling to report that he received a letter from FTC v Ameritech Financial. 

Consumer was with the company since 2015 and has paid $4,752.00.

603 97472275 07/06/2018 Ameritech

Consumer paid $2400 upfront to Ameritech to get loan forgiveness. She was told to 

pay $100 a month that they would be sending to pay off her student loan, but they did 

not do so.

604 97472325 07/06/2018 Ameritech Financial

I received several calls from Ameritech claiming they could lower my monthly student 

loan payments and due to working in a medical field guarantee loan forgiveness in 10 

years. I answered the call because I am a single mother of 2 and was having a hard 

time making ends meet and my loan payments were getting ready to double. What 

they offered would save me a lot of money (or so I thought). It would require an initial 

payment of $193 followed by 1 year of $173 monthly payments. After one year it would 

drop to $99 per month. They ensured they would take care of Navient and I received 

letters from Navient stating I was on a deferment so was not sending money to them. 

My initial payment to Global Clients Solution (name changed to Ameritech 1/31/2017) 

was Nov 7, 2016. In total I have paid Ameritech $2888 and no payment has been 

made to Navient on my behalf. When I signed up for this program I was cautious and 

asked many questions repeating that it just sounds too good to be true. I was assured 

that it was a legitimate program and that payments would be made to my student loans 

so my credit would not be affected. The individual I talked to also encouraged me to 

add family members to my household (at the time I was living with someone else and 

was told to claim all the occupants since I was buying food and paying some bills 

towards the home) in order to ensure qualification and that Navient would approve the 

deferment. Today I called to cancel my account but due to high call volumes they took 

down my information and said they will return my call.

605 97472342 07/06/2018 Ameritech

The consumer is reporting against Ameritech Financial . The consumer was paying 

the company monthly for her student loan to be lowered. The consumer had saw there 

ad on Facebook. The consumer was paying them . The consumer will call back with a 

amount that she paid.

Ortiz Attachment A - 125

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Page 126

# Reference Number Complaint Date Company Name Complaint Info Comments

606 97472402 07/06/2018 Ameritech

I was contacted via mail about a student loan forgivness program at the time I was 

really behind on my student loan payments and had no income. I was taking care of my 

mother while she was sick with cancer amd after she passed i got a little money and 

was able to start making payments but not the $300+ i was behind so I decided to give 

Ameritech a call. The service was great & made me think I was going to be able to get 

caught up until i got a notice about my forbarence ending so I called Ameritech and 

they stated that what I was paying was a service fee to the company & I wasn’t even 

making payments on my loan. So this lawsuit doesn’t suprise. They made it seem so 

great. Too good to be true & now I will be ending my service just to go back into 

extreme debt.

607 97472422 07/06/2018 Ameritech

Consumer is calling to report that he received a letter from the FTC about Ameritech. 

Consumer is calling to report that he received a letter from Ameritech stating 

information about consolidating his student loans. Consumer called and signed up for 

their services. Consumer paid a total of 4000 dollars from his checking account.

608 97478491 07/06/2018 Ameritech Financial

I was told that they could repair my student loan debt so that payments could be more 

manageable. I am still reciving information about my student loan payments. When I 

called in to Ameritech Financial, they stated that it could take up to 3 months to ensure 

that my student loan debt was back on track.

609 97478619 07/06/2018 Ameritech Financial

I started making payments to Ameritech Financial a year ago. They told me they can 

lower my payment and that i wont have to pay the rest of my loan after 120 payments 

of $100. My first 4 payment were about $260 to pay for their fees and to process my 

documents. I was told that i wont have to deal anymore with Nelnet but i receive emails 

from them every month.A couple of months ago i called them because a received an 

email from Nelnet asking me to start making payments, they told that was normal and 

that i have to pay them $100 and also pay Nelnet. I told them that did not made any 

sense, why would i make 2 payments on my loan, i also asked them why i did not see 

any money going to my balance and they gave me a bunch of excuses. Yesterday i 

received an email from Nelnet saying that due to a lack of payment i have accrued 

$1288 on interest and that unless i sent a payment to cover this, it would be added to 

my balance. My son also has an account with Ameritech Financial 

and he has being making payments since June,2017.

Ortiz Attachment A - 126

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Page 127

# Reference Number Complaint Date Company Name Complaint Info Comments

610 97478624 07/06/2018 Ameritech Financial/Financial 

Education Benefits Center

Ameritech Financial promised to refinance my student loan that is with Nelnet into a 

longer term loan, and that they would make payments towards my loan. They said they 

would charge $158 per month for 6 months for fees, and then pay my loan. I just called 

them, was told that my payments for 2 years totalling $3,621.00 were all applied to their 

fees, that they aren't paying my loans, and that I'm not entitled to a refund. They did not 

acknowledge that their fees are illegal, as described on www.ftc.gov/ameritech. The 

paperwork I signed in 2016 acknowledghed that the fees would only last 6 months and 

that my loan would be paid using the remainder of the payments. Other-Other Update

611 97478691 07/06/2018 Ameritech

The consumer reports that she came into contact with Ameritech a couple years ago. 

They stated they could help lower her student loans. The consumer reports she has at 

least sent them $5000. The consumer reports the money wasn't going towards her 

student loans.

612 97478696 07/06/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$1944 over the course of two years.

613 97478710 07/06/2018 Ameritech

Consumer received a letter from FTC, about Ameritech. Consumer states that she told 

them , that she wasn't paying them, if there not paying her loans. Consumer found out 

there not paying her student loans. Consumer wants her money back.

614 97478745 07/06/2018 Ameritech Financial

Consumer reports she has been making monthly payments to Ameritech Financial for 

about three years to get help on consolidating her student loan debt and get it forgiven 

but she just recently found out about the lawsuit we have against them and its not sure 

if the company has been helping her with her debt.

615 97478754 07/06/2018 Ameritech Financial Consumer received a letter concerning Ameritech Financial settlement. Consumer 

reports she called Ameritech Financial to cancel her subscription and was told not to 

worry about the lawsuit and attempted to maintain her as a client not letting her cancel.

616 97478774 07/06/2018 Ameritech Consumer reports he received a letter from Ameritech offering student loan 

forgiveness. Consumer states he has paid $848.

617 97478930 07/06/2018 Ameritech Financial

The consumer is reporting against Ameritech . The consumer said they could lower 

student loan. The consumer have been paying them every month the consumer did not 

have a amount . 07/06/2018 Consumer was transferred to supervisor for further 

counseling. 

Ortiz Attachment A - 127

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Page 128

# Reference Number Complaint Date Company Name Complaint Info Comments

618 97478956 07/06/2018

Ameritech Financial|Global 

Client Solutions|American 

Financial Benefits Center 

(AFBC)

On February 5, 2016, I spoke to a representative named Jayda. She told me that the 

standard repayment plan would be $325/20 years and I would qualify for a program 

that would save me over $97,000 after partaking in this program for 10 years. At the 

end of this program she said I would have $83,220 forgiven by the Department od 

Education. I didn't think that there was a chance of being scammed by a company that 

offered asistance for educators that are trying to make a difference in the lives of our 

children. I trusted this company to do just what they said they would do. I am hurt and 

disappointed in this company betraying me and others for their benefit.

619 97478973 07/06/2018 Ameritech

I was contacted by mail (I do not know the date. The program wouldn't proceed unless 

I gave an exact date...). Through mail & phone calls an account was set up. The 

money was taken from my Bank of America checking account monthly. It was $177/ 

month for a year. Don't miss a payment, and it would drop to $99/month. I have paid 

that lesser amount for the last few months.

620 97478974 07/06/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial. Consumer states 

she paid a total of $3200 . Consumer received letter from FTC regarding the recent 

lawsuit that was filled against this company. Consumer states she contacted the 

company for a refund and was told they cant give her a refund.

621 97478980 07/06/2018 Ameritech

Consumer received a letter from FTC regarding the Ameritech case. Consumer got a 

letter from the company regarding helping her with her student loan. She is paying 

$110 a month for 3 months. She cancelled in March.

622 97479008 07/06/2018 Ameritech Financial

Consumer reports they received a letter from Ameritech Financial and contacted them. 

Consumer reports they offered loan forgiveness if they stayed for 10 years. Consumer 

reports they also lowered their payments. Consumer was paying at the rate of $100 

every month for 3 years.

623 97479044 07/06/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

624 97479055 07/06/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial. Consumer states 

she paid a total of $2574. Consumer received letter from FTC regarding the recent 

lawsuit that was filled against this company.

625 97479058 07/06/2018

Ameritech Financial|Global 

Client Solutions|Account 

Management Plus

Ameritech FinancialAMERITECH COMPLAINTS: The consumer rc'd the Ameritech 

letter from the FTC. The consumer has paid them about $2500.00 total. They also had 

the consumer to repeatedly fax them documents. The consumer also provided names 

of the companies that collected the money for Ameritech Financial:Global Client 

Solutions and Account Management Plus. 

Ortiz Attachment A - 128

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Page 129

# Reference Number Complaint Date Company Name Complaint Info Comments

626 97479105 07/06/2018 AmeriTech Financial

I was offered a student loan assistance program to help reduce my debts and monthly 

payments. I was told I would pay an upfront service fee and then a monthly payment 

that would go towards my loans. I was provided a consolidatoin form, but never a repayment plan or service provider. I was not told that I would be making the payment 

seperate from the monthly charge they withdraw. I was told to fill out the form as 

loosely as possible to reduce loan amount. I was never explained what they were really 

doing or why I am apparently paying a monthly service fee for them to do nothing.

627 97479133 07/06/2018 Ameritech Financial

i recieved a letter in the mail from the company ameritech financial and they told me 

they could lower my monthly payments for my student loans. they had me fill out a ton 

of paperwork requesting many personal documents. The company told me I had to pay 

for their services as well as make payment to my loan holder which they wouldn't be 

able to do for me. They threatened to tell me that if I didn't pay for their services each 

month that i could potentionally have my payment increase by hundreds of dollars a 

month if I didn't stay on the program they had initially setup for me. Not only have i 

wasted alot of money on these people but I feel betrayed.

628 97479150 07/06/2018 Ameritech Consumer reports she received a letter from Ameritech offering if she paid $82 a 

month then they will pay off her Student Loan over a period of time.

629 97479296 07/06/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial . Consumer states 

she paid a total of $1700. Consumer received letter from FTC regarding the recent 

lawsuit that was filled against this company.

630 97479404 07/06/2018 Ameritech Consumer reports she received a email from Ameritech offering to reduce her Student 

Loan. Consumer states she has paid them $1068.

Ortiz Attachment A - 129

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Page 130

# Reference Number Complaint Date Company Name Complaint Info Comments

631 97479434 07/06/2018 Ameritech

I contacted Ameritech to obtain assistance with my student loan repayments. I was on 

the phone with a customer service agent for over 2 hours. During this time, I was sent 

a 50+ page doucment to review and read. At this time, I was under the impression this 

company was acting as a "settlement" company for my student loans. I 

was told I would pay roughly $900 as a start up fee and my payments would go down 

to about $99 per month after that. During my divorce in March, I reached out to 

Ameritech to understand the terms of my program to provide my refinancing company. 

I requested how long my payments would be and for how much. After making several 

calls and sending multiple emails, I was informed I was paying for them to fill out 

paperwork only. I was supplied information from my student loan account (which I 

could have done myself.) I asked to speak to a supervisor. I informed the supervisor 

his company handled their business in an unfair and deceptive way as I felt I was not 

informed properly of what I was paying for. He researched the original call and called 

me back. He stated during the call, I was properly informed. I told the supervisor it is 

not realistic expectations for someone to be on the phone for over 2 hours and read a 

50+ page document and have a full understanding of their role. I informed the 

supervisor I did not feel it was properly explained to me as I was under the impression 

my payments would be going toward paying down my student loans. The supervisor 

did refuse to return any of my funds. I immediately cancelled the program. I paid them 

a little over $1,000 for something I could have handled on my own. Other-Other Update

632 97479479 07/06/2018 Ameritech Financial

I trusted Ameritech Financial to help me with my student loans as my current loan 

holder, Navient, wanted me to pay $800 a month, which is just not feasible. They 

ensured me that they would negotiate a price with Navient. They told me I had to pay 

$287 a month for five months, then a $99 payment would be going toward my student 

loan payment, which is not the case as Navient has received no payment. I have 

made three of the $99 payments.

633 97487559 07/06/2018 Ameritech

Consumer received a letter from FTC regarding Ameritech. She thought the company 

could help lower her student loans. She called after being told about the company by a 

coworker and seeing it on the internet. Her loan was put on forberance. She paid $200 

for the first 6 months and then $99 for every following month. She thought the she was 

only going to pay for only 6 months. The holder of her loan sent her a letter of $600 

being due. She cancelled her Ameritech account. She fought with Ameritech and got 

1000 refund back to her.

Ortiz Attachment A - 130

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Page 131

# Reference Number Complaint Date Company Name Complaint Info Comments

634 97487708 07/06/2018 Ameritech Financial

It started with my student loans taking a hit on my credit score and bringing it down 

drastically. I decided to see if I can get it off my credit report so I did some research for 

about a week or so and then one day I received a student loan forgiveness letter with 

all the details and information . I then became interested and gave them a call. When I 

received all the details I decided to go with the program Ameritech had to offer . They 

promised me that all I had to pay was around $20,000 versus 46,000 over a period of 

time if I continued the program all the way through. It was income based program so I 

had to submit yearly information and depending on my income my monthly rate could 

change year to year. I've been paying $82.00 a month since August 2017. I want my 

payments to go towards my loans so I don't know what exactly is going on. I received 

this letter yesterday stating that the Federal Trade Commission has sued Ameritech for 

deceptive practices and gives me concern about my account and my personal 

information. I hope I am contacting the right people so If I can be guided to the right 

direction I would greatly appreciate that. Thank You!

635 97487747 07/06/2018 Ameritech

I have been paying Ameritech Financial $108.00 a month since February 2017; for a 

student loan. I just recently received a letter in the mail from FTC; stating that the 

company is a scam. I did contact Ameritech Financial on July 5h 2018 and informed 

them that I would like to cancel any future payments. I was sent an email stating that 

they would work with me. I don't know if they will follow through with canceling any 

future payments. I just need more information about what is going on with the scam 

alert!

636 97487772 07/06/2018 Ameritech Financial

I was told by Ameritech I qualified for a student loan forgiveness program and had to 

pay 230$ a month for the first few months then 209$ a month for a few more month 

and then 99$ a month for the remaining months. It appears they fradulated my 

houshold size on my income forms in order to get my loan repayment amount down to 

0$ so that they could profit all the money and keep my loans current. I am a registered 

nurse and do qualify for the student loan forgiveness program but they have scammed 

me for over 10k since 2016. Please advise. Other-Other Update

637 97487826 07/06/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$10800 over the course of three years.

638 97487891 07/06/2018 Ameritech Ameritech Complaint: Consumer states she paid Ameritech $4,000 for student loan 

management and received no benefit.

Ortiz Attachment A - 131

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Page 132

# Reference Number Complaint Date Company Name Complaint Info Comments

639 97487952 07/06/2018 Ameritech Finanical 

 

been extracting a monthly payment amount from my checking out. Ameritech Financial 

is a servicer in which they claim to consolidate your students loan for a cheaper 

monthly amount. However, i had to pay a percentage to Ameritech along with my 

payment plan in which Ameritech gains access to my educational loans and pays my 

loans. So they have claimed. For the past several months i was away deployed and 

received calls of Ameritech wanted more documents for my file. At the time i 

understood although i was suspicious in why they wanted more documents and pay 

stubs. I could barely talk and notified the person over the phone that i was not home 

and it would be a while before i was able to get any documents. I also knew once i 

arrived home, i will be able to sit down and better understand what exactly was wanted. 

Upon my return home in May, 2018, i began looking into my credit report and it stated i 

was behind one my students loans. I discovered my debt had only increased. 

Furthermore, i was receiving and still am receiving emails from Naveint stating i have 

been missing my monthly payments. This discovery became more so clear when on 

07/02/2018 i received a letter from the Federal Trade Commission (FTC) stating that 

Ameritech has been sued for deceptive practices. I realize the money i have been 

paying since October 2017, has been going directly to Ameritech and not my loan debt. 

On 07/02/2018 upon receiving the letter from FTC, i called Ameritech regarding this 

whole issue. I was only greeted by a costumer messenger who would only take my 

contact info for a call back within 24hrs from a actual case manager or agent. At 

roughly 19:00 hrs EST time on 07/03/2028, i received a call from a Paul from 

Ameritech telephone number 916-330-5215. I discussed the issue in play. I requested 

to have my money back. Paul put me on hold on more than one occasion stating he 

will run it with the billing department. He then said it was denied. Paul was not 

understanding about the situation. He said he might only be able to give me the money 

for the services Ameritech was not able to complete. I told him no service was done 

since my monthly payments were not going towards my loans. I am now behind in 

more debt because of this deceptive practice to lure people in. I kept attempting to get 

my money back. It was also mentioned on the steps i should take according to the FTC 

letter. I had my membership/plan canceled. Paul said should have a conformation 

letter emailed within 24hrs. Ameritech Financial #265, 5789 State Farm Dr, Rohnert 

640 97487965 07/06/2018 Ameritech

Consumer states that she received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states she was offered assistance with reducing 

her student loan from Ameritech. Consumer states that she was told if she paid $82 a 

month, they were able to forgive her loan. which she found out that no payment was 

going to her student loans. consumer wants to know how she can retrieve her money 

and where to receive additional information.

Ortiz Attachment A - 132

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Page 133

# Reference Number Complaint Date Company Name Complaint Info Comments

641 97487977 07/06/2018 Ameritech

Consumer had paid Ameritech under the understanding that she was paying off her 

student loan, but they had not done so. She has paid them for the past two years at 

$29/mo.

642 97487991 07/06/2018 Ameritech

ameritech financial stated they are a service who will take a deposit to get their service 

started and each monthly service will go toward my student loans. After a certain 

amount of months all my student loans will be a $0 balance. so i have been paying 

132.00 each month from my bank account.

643 97487998 07/06/2018 Ameritech Financial

Consumer stated that he got a letter from FTC that they are suing Ameritech. 

Consumer stated that Ameritech contacted him about working with the government, for 

loan forgiveness and he paid $3000.

644 97488014 07/06/2018 Ameritech Financial

I agreed to have my Dept of Education student loans consolidated under Americtech's 

income-based repayment plan. They explained to me that if I made 300 verified 

payments that my loans would be forgiven. I recently received a letter in the mail 

explaining the class action lawsuit against Ameritech. I should have known something 

was fishy. Every time I talked to a representative on the phone, they would always 

explain questions I had very vaguely. When I asked about the time period I had been 

paying $82 a month but was not "verified" as far as payments going toward Navient, I 

was told a vague answer about how it takes months to verify all of the documents and 

to get enrolled in the servicer's program. I am very angry at these theives. I hope the 

court rules in favor of the FTC.

645 97488032 07/06/2018 Ameritech

Consumer rcv'd a letter from the FTC vs. Ameritech. She wanted to know when this 

issue began. She has been paying them for loan forgiveness. They did not do 

anything for her debt.

646 97488092 07/06/2018 Ameritech

Consumer stated that he got a letter from FTC about Ameritech. Consumer stated that 

Ameritech contacted him to consolidate his student loans, he made 24 payments of 

$100.

647 97488111 07/06/2018 Ameritech Financial

Consumer states he received a letter from the FTC regarding a lawsuit against 

Ameritech Financial and would like to file complaint. Consumer states he previously 

received a letter in the mail from Ameritech Financial offering to help lower his monthly 

payment on his student loan. Consumer states he then called them and was asked to 

provide his bank account information because they agreed that they would withdraw a 

$100 which they said would go towards his student loan. Consumer states he has been 

paying $100 a month up until about 2 months ago when he discovered that these 

payments were not going towards his student loan and cancelled his membership. 

Consumer states that they are only willing to refund him one months worth of what he 

has paid.

648 97488201 07/06/2018 Ameritech Financial The consumer has a complaint against debit management company, Ameritech 

Financial. The consumer has been paying them for 5 years.

Ortiz Attachment A - 133

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Page 134

# Reference Number Complaint Date Company Name Complaint Info Comments

649 97488263 07/06/2018 Ameritech Financial

Consumer is calling to report that she received a letter from the Ameritech Financial on 

07/03/2018 and would like to know what she can do. No further information was 

provided.

650 97488372 07/06/2018 Ameritech Financial 

After receiving promissary notice of student loan forgiveness via Facebook ad, I 

contacted Ameritech Financial, read the consumer reports about the company, didn't 

find anything disturbing at the time. While on the phone with them I filled out the 

requested paperwork and agreed to the payment schedule, which was supposed to be 

applied directly to the student loans. However, nothing has ever been applied and then 

I receive a letter from your department stating there is currently a suit against 

Ameritech for deceipt and fraud. I have since began the stop payment procedures and 

preparing to close the account if necessary. I am also reaching out to the Federal 

Trade Commission for assistance with my student loans. Please help.

651 97488489 07/06/2018 Ameritech Financial

I was sent a letter in the mail in reference to loan forgiveness in April of 2017. I 

contacted the company on May 11,2017. I spoke with Jason Castaneda. He advised 

me due to my job as a police officer, I would qualify for the loan forgiveness program. 

He advised me if I paid a certain amount for 10 years based on what I made, my loans 

would be wiped away after 10 years. After sending the company my financial records, it 

was determined my payment would be $173.00 per month. The company takes the 

payment out of my bank account every month. I have paid over $2,400 plus a fee up 

front that I do not remember the amount. I was made aware of the possible lawsuit 

facing the company today, 7/6/18.

652 97495571 07/06/2018 Ameritech Financial

Consumer is calling on regards to a letter received by the FTC about Ameritech 

Financial. Consumer reports that Ameritech Financial have promised to enroll 

consumer into a government program that they claimed would permanently lower 

monthly student loan payments for a loan forgiveness. Consumer has called Ameritech 

Financial for a refund and they informed the caller that this would not go towards his 

loan and would take affect in two year.

653 97495650 07/06/2018 Ameritech Financial

Consumer reports they received a call from Student Loan Forgiveness Center offering 

to consolidate their student loan debt. Consumer reports they do not have a student 

loan. Consumer reports they requested for personal information.

654 97495660 07/06/2018 Ameritech Financial

Ameritech Financial not only charged me for what they stated they provided but they 

also added in $99/month fee which I later found out was for services I didn't ask for 

and were optional yet that was never mentioned. I began services with them 05/2016 

and ended them when I found out in 09/2017. I paid them a total of $2486.

655 97495709 07/06/2018 Ameritech Consumer received a letter, about Ameritech, stating that been billing his account four 

years. Consumer wants his money.

Ortiz Attachment A - 134

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# Reference Number Complaint Date Company Name Complaint Info Comments

656 97495788 07/06/2018 Ameritech

Consumer states that she wanted to make a report against Ameritech because she 

was part of the student loan scams and she did also call them and was told she will not 

receive a refund. Consumer had received a letter in the mail from them.

657 97495809 07/06/2018 Ameritech Financial

After speaking with the account specialist i was assured that my student loan payment 

reduction. i have paid 235 each month, for 6 months and no funds have been applied 

to my account. it was only put on hold and interest continued to accrue. Nothing was 

applied to my account, and they refuse to offer a refund or even a partial refund. 

Please help with this

658 97495870 07/06/2018 Ameritech Financial

Consumer states that she had received a letter from Ameritech Financial stating that 

the FTC had sued Ameritech for deceptive practices. consumer states that she has 

made payment each month.

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# Reference Number Complaint Date Company Name Complaint Info Comments

659 97495891 07/06/2018 Ameritech Financial

My husband and I both have doctorate degrees and we have the student loan sum to 

prove it. Fresh out of school we were paying about $1300 monthly toward our loans 

and struggling to make ends meet. I was referred by my brother, who uses Ameritech, 

to help lower our student loan payments. After a 3 hour conversation driven by my 

skepticism I was convinced by Johnny Williams to enroll both my husband and myself. 

I was encouraged to use a family size of 14 to get the lowest payment possible, as the 

man stated, “it includes anyone in your family you contribute to, even if it’s buying them 

a Christmas present”. We each paid a “document preparation fee” and a monthly fee. 

A couple months passd. We both kept getting denied by our loan servicers for IDR. 

And I kept having to defer our loan payments. One representative from Ameritech told 

me I should not contact our loan servicers myself (because that is their job) and that 

she would submit the additional documents to be approved. Several more months went 

by and I was calling Ameritech weekly in attempt to settle the issue, but always spoke 

to someone different who had something different to say, but each of them assuring 

me we would get it settled this time and just to be patient. I submitted and re-submitted 

my family size letter and Statement of Income (via Ameritech). I finally called a Fedloan 

representative, against Ameritech’s advice. They needed a new family size letter 

because the number had increased so dramatically from the previous year. I ALSO 

needed to submit documents proving this number was valid. She informed me of the 

correct way to calculate it and cautioned me about Ameritech when I told her about 

them. I knew I had been scammed. I cancelled Ameritech immediately and demanded 

to speak to a supervisor, who refunded me a pitiful $800. $800 is a drop in the bucket 

compared to what this company cost me. In accrued interest during the 10 months 

deferment, I lost around $8,000. Somewhere in the jumbled process, Ameritech also 

consolidated our loans which, to my surprise, started over our eligible payments 

towards Public Service Loan Forgiveness. This means an extra 3 1/2 years of 

payments, which is roughly (and conservatively) $54,000. My family is now stuck in 

prolonged financial distress because of Ameritech’s deception.

660 97495893 07/06/2018 Ameritech

Consumer received a letter from the FTC concerning the case against Ameritech. The 

consumer found out about them after receiving a letter from the company, claiming that 

they could help pay off the consumer's student loan. The consumer has been sending 

them 8 payments of 99 dollars.

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# Reference Number Complaint Date Company Name Complaint Info Comments

661 97496019 07/06/2018 Ameritech Financial

I initially contacted Ameritech because my daughter was told it was a great way to 

lower our monthly payments on our kids school loans under our name. I was told that 

if I paid their initial fees and the monthly fee for nine years and completed public 

service before the end of the 10th year all of the loan debt would be forgiven. We were 

very hesitant but were assured that was true. We were asked how many people we 

support and the way they explained who we could claim didn't sound right to us. It was 

anyone that we would have given money to. We didn't agree to many of their bogus 

suggestions but we claimed too many, which I felt put us in jeopardy. They said that it 

was not true, we were fine to do that. Once it was all said and done, we had to sign 

documents over a PDF file online. That was another signal we should have been 

aware of. Plus send copies of our taxes, pay stubs, etc. The initial fees were taken 

out of our checking account EFT in 5 months of payments and then after that fee a 

monthly payment of $99.00 would be taken out of our checking account through 

another company that does that service for them. Because we felt uneasy about 

claiming all they suggested towards lowering the school loan payment, we continued to 

make payments on the loans through Navient, which were consolidated by Ameritech 

Financial through Navient. Once the first year was close to renewal, Navient contacted 

us prior to when it was time to reapply in 2017 and we were told by Ameritech not to 

reply, that they would do it for us with the same information we provided in 2016 since 

nothing had changed. Again, signed new documents online by PDF. I have copies of 

both years of documents, which I'm glad I kept, especially hearing we were right to be 

skeptical about this company. I feel they have been deceptive about how many claims 

a person can make to lower the monthly payment. They stated even buying gifts is 

considered a claim??? That's preposterous. I am in the process of having Ameritech 

cancel our account and stop all withdrawls from our account. We should have known 

something like what they were offering was too good to be true. Promising us that our 

debt would be free after paying them 10 years of fees, plus the monthly payments to 

Navient was obviously not true and we are extremely angry and ashamed we got 

talked into this scam.

662 97496042 07/06/2018 Ameritech

I was contacted by a Representative from AmeriTech named David Monteiro on July 

10th, 2017. He had explained to me that the company, AmeriTech, was a debt relief 

company and I qualified for the Student Loan Assistance Program through there 

company. I was made aware that the funds of $108 a month would be taken out of my 

checking account every month through a third party payment provider called Reliant 

Account Management (RAM). David then prompted me through the process of 

changing my login information for my FSA account as well as my login credentials for 

my loan servicer portal. I have since than been paying $108 a month for the services 

from AmeriTech.

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# Reference Number Complaint Date Company Name Complaint Info Comments

663 97496088 07/06/2018 American Financial Benefits 

Center

I was given a call by AFBC, and was promised to be eligible for the forgiveness student 

loan program. It has been 3 years of them taking my money, just to find out nothing 

was being done. They had access to my Navient account and placed a freeze on my 

account. Every month I have been getting charged for a service that was not 

happening. In total I have given this company over $3200. I hope this case gets won 

and the victims of this disgusting act receive some type of compensation.

664 97496138 07/06/2018 Ameritech Financial

I was told that Ameritech Financial would apply payments to my student loan balances. 

I paid $1314.00 up front for the service, and $99.00 each month since 8/2016. 

Ameritech Financial placed my loans on forbearance the entire time, which racked up 

over $12,000 in additional interest.

665 97496143 07/06/2018 Ameritech

I was contacted 3 years ago. i was told by an Ameritech representative that i should be 

paying $0-20 a month on student loans given my family size and income. i was already 

on an income based payment plan at the time, they told me they could apply some of 

those paynents to a loan forgivness program and have my loans forgiven in less than 

10 years. Ameritech switched my loan company from NelNet to FedLoan. When I 

signed my contract the representative told me there was a one time fee of $450 that i 

would pay. several months later i found that i was paying $50 a month. they said the 

reason i was paying this was because my loan was in forbarance. and they wee 

monitoring the account. this went on for over a year. i asked why i was still in 

forbarance and not paying something towards my loans. they said the would stop 

requesting a forbarance by my request. when i got my first statement it was $150 

($350) more than i was paying with NelNet. at this point i called FedLoan to find out 

what was going on with my loan. The FedLoan representative told me the reason why 

my monthly statement was so much was because some of the documentation provided 

by Ameritech could not be varified. I was mislead as to who i could claim as dependent 

(anyone i helped with living expenses such as presents, or little monthly checks). when 

i talked to FedLoan, they gave a very different definition, changing my loan payments. i 

also asked how many more payments i had left ( i was told less than 10 years or 120 

payments). FedLoan told me i had to still make the full 120 payments. I explained that I 

was told around 2 years of those payments were suppose to transfer. the 

representative told me she was sorry, but i lost those payment credits when the loan 

company was switched. she said I was mislead and that i had to start over. that was a 

year ago. If Ameritech did what they said i would have about 72 payments on my loans 

left at about $20 a payment, instead i have 108 payments left at $150 a payment. in 

addition i lost the chance to fullfill another 12 payments because they kept filing for 

forbarance. The only reason I haven’t stoped is because i know i have a contract and 

dont want to be penalized.

Ortiz Attachment A - 138

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# Reference Number Complaint Date Company Name Complaint Info Comments

666 97496352 07/06/2018 Ameritech Financial

I was contacted by Ameritech in January 2017 regarding my student loans and 

possible forgiveness and reducing my payments. I spoke with them and started the 

process with them. I paid the upfront fees of $695 and then my monthly payment of 

$99 monthly. I was enrolled in this program until October 2017 when I was starting the 

process of getting a mortgage loan. We discovered this company and their payment 

plans were not recognized in LA and I had to cancel this and work with Dept of Ed to 

get it all taken care of. When I canceled this, they kept on with trying to get me to stay 

and I told them they were not beneficial to me any longer. About two months after I 

canceled, they finally left me alone and I have not had any further contact with them. 

Just thinking off of the top of my head, I am out around $1,700.00 and had a lot of 

explaining to do with Department of Ed in trying to get my accounts taken care of. I am 

still behind with FedLoan and my payments, but I am working on it. Ameritech tied up 

my FedLoan account for many months and I could not do anything with them. Then 

when I was working with Dept of Ed to get it all straightened out, Ameritech would go 

behind and change the changes we made. My student loan debt increased because of 

this and it is affecting my mortgage loan process. Other-Other Update

667 97496395 07/06/2018 Ameritech

Ameritech promised to reduce and then forgive student loan debt. Payments made 

totalled $2166. They refunded $300 stating it was our fault as we didnt provide enough 

documentation to get a full refund. Debits in the amount of $188.50 were processed on 

2/19/16, 3/11/16, 3/21/16, 4/15/16, 5/2/16 and 5/11/16. Payments in the amount of 

$207 were made on 6/13/16, 7/12/16, 8/12/16, 9/12/16, 10/12/16. Once The Dept of 

Education began calling we disputed the charges with the bank. A temporary credit 

was given in November 2016 nd then reversed on 12/13/16 as a result of Ameritech 

stating we had a contract. This resulted in bank fees and returned checks. Bank fees 

were $245. Our total loss was $2111 ($2166 payments $300 refunded and $245 

overdraft fees) We are reporting today as we recd a letter informing us of the lawsuit 

from the Financial Education Benefit Center against Ameritech for deceptive practices. 

We wanted to share our personal loss as well.

668 97496427 07/06/2018 Ameritech

For the past 3 years, I thought i was repaying my student loans through the Public 

Service Loan Forgiveness Program but seems I was scammed by Ameritech Financial 

who claimed I could make payments at a lower rate. I work as a counselor in 

community mental health and make an honest, modest living. I take responsibility for 

being naive, but this company needs to pay!

669 97496444 07/06/2018 Ameritech Financial 

I have been paying Ameritech Financial to help pay off my student loan forgiveness for 

three years and they have not included any of my payments toward my student loan. I 

stop making payments to them about three months ago and they continue to try and 

get money from me.TOPIC:Referrals

Ortiz Attachment A - 139

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# Reference Number Complaint Date Company Name Complaint Info Comments

670 97496454 07/06/2018 Ameritech Financial

Sometime in late 2015 early 2016, I received a letter from Ameritech Financial offering 

to consolidate my student loans, lower my monthly payments, and assist with loan 

forgiveness and early termination of the loan. The qualification was to work for a 

nonprofit organization and they would complete all the paperwork and file it. My initial 

payments would be higher to pay off their processing fees then I would pay $99 a 

month for the next 10 years, and at that time, they would file the paperwork and my 

loans would be forgiven and I would be done. It was not explained to me that I would 

need to continue to pay my student loans in addition to this until almost a year later. 

But again, it still was not clear at that time that the $99 a month and I'm paying was not 

going towards my student loans. I have been paying Ameritech Financial monthly since 

early 2016 for a total of $3,545 approximately. During one year of this time my actual 

student loans were in deferment due to natural disaster, so it is unclear what they were 

doing with my payments for that entire year. I just received this letter finding out that 

none of that money has gone towards paying off my student loans and that the Federal 

Trade Commission is suing this company. Money is tight, and I am very upset that I 

have paid this large sum of money for nothing! Had I known I could have worked this 

out directly with my loan servicer I would have!

671 97496478 07/06/2018 Ameritech Financial

I was contact through mail that it was my last change to get student loan debt relief and 

I needed to make a call right away. One night in 2016 I decided to call the number on 

the paper and they made mention of me putting my loans in forebarence for me. Once 

I filled out the paper work and forwarded it to them they would first begin deducting my 

$199 payment for a year and then the payment would drop to $99 per month after a 

year. I was told that the money I was paying in would go towards my student loans and 

then after 10 years my loan would be forgiven. They constantly sent emails asking for 

referrals to their company but I had none to give. One day after talking to my mom she 

told me to check with the Better Business Bureau to make sure I wasn’t being 

scammed and which in turn I was. I tried calling the company several times ti get a 

refund but was denied. I contacted my bank at the time which was Bank of America to 

let them know I was being scammed. BofA at first returned the funds pending but later 

found out they couldn’t do any thing to me because I had given them my card 

information over the phone. In my last attempt to get something accomplished with 

Ameritech Financial they sent confirmation of me cancelling my so called account with 

them. At the end if the day I was out if $1200.00 but a lessoned learned that no one will 

charge you to basically put your stydent loans in forebarence to help with debt relief.

Ortiz Attachment A - 140

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# Reference Number Complaint Date Company Name Complaint Info Comments

672 97521626 07/06/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I am a making a complaint in regards to 

Ameritech Financial, their student loan forgiveness plan. I was told if I made a monthly 

payment of $99 for 20 years, they would forgive $10,000 worth of my student loans. I 

received your letter stating this program has been a fraud. --- Have contacted: CC 

Issuer --- Fair Resolution: I would like a refund of my money and I don’t want them to 

be able to use my information down the line. They have my social security and 

everything. For them to cover the costs of my bank associated with it.

673 97521831 07/06/2018

Ameritech Financial|Ameritech 

Financial|University of PhoenixOnline Campus

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I was contacted by Ameritech Financial via 

phone in February of 2016. They claimed to be a company backed by the government 

to assist with persons who needed help paying their student loans. They stated that if I 

qualified their program would result in forgiveness of my debt by the United States 

government for my student loans. They asked me a series of questions that ultimately 

led to an approval to the program. My student loans are held by NelNet and Ameritech 

told me they would deal directly with NelNet for a foregiveness of my student loans and 

my payment would be ninety-nine dollars a month and would be paid to NelNet through 

Ameritech. I have been making automatic payments for twenty-eight months to the 

equivalent of $2772.00. I received a letter from the Federal Trade Commission dated 

June, 27,2018 stating they have begun the process and have sued Ameritech Financial 

for deceptive practices. I contacted NelNet who told me they have not received any 

payments toward my student loans as of February 01,2016. As a result, I have to take 

steps to ensure Ameritech can no longer access my bank account and take back 

control of my student loans through my lender. This has cost me thousands of dollars 

in interest charges and 28 months of payments toward my student loans. --- Fair 

Resolution: I am seeking complete restitution for all of the money I have paid to 

Ameritech Financial as they misled me to believe my loans were being repaid at the 

cost of ninety-nine dollars per month on a special government assisted program that 

would soon lead to complete resolution of all of my student loan debt. To-date I have 

paid Ameritech $2772.00. I have documentation to prove my case but, do to a 

separation my paperwork is not in my possession but, I am working on obtaining it as 

soon as possible. --- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 141

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# Reference Number Complaint Date Company Name Complaint Info Comments

674 97523388 07/06/2018

Ameritech Financial|Ameritech 

Financial|Kaplan UniversityCedar Rapids Campus

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I have received a letter from the Federal Trade 

Commission, informing me that the debt consolidator Ameritech is being sued for 

deceptive practices. I want to get out from this company which will harm my debt 

information. --- Have contacted: CC Issuer --- Fair Resolution: I have been making 

monthly payments of $108 dollars. I have sent them my private information such as 

pay stubs and given them my student loan log in. I want a refund of the full amount that 

I have paid since the spring of last year. 2017. --- School Unit ID: --- School 

OPE ID: 

675 98605065 07/06/2018 American Financial Benefits 

Center

I have been dealing with this company for years and my loans are increasing, with not 

getting paid or reduced at all. --- Additional Comments: To be paid back.

676 97502185 07/07/2018 Ameritech

they told me that they would be paying my monthly student loan payements upon my 

behalf and helping me get them paid off faster. i logged into nelnet today and they have 

been putting my monthly payments in forbearance since last year. now i have interest 

charges and they have over a thousand dollars of my money. for what. they didnt do 

anything. i didnt know they were not nelnet. they had offical looking documents and 

said i needed to send them pay statements from my work in order for me to get caught 

up with my debts. they made me feel as if i had no other choice. i am already struggling 

to pay off my college debts with my non-college level job. these people should be sued 

and i want my money back. i feel taken advantage of over a situation that i have little 

knowledge about.

Ortiz Attachment A - 142

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# Reference Number Complaint Date Company Name Complaint Info Comments

677 97502218 07/07/2018 Ameritech Financial 

My name is and I was contacted in March 2016. At the time sounded 

like a good idea. Didn't understand why they needed my bank account information and 

when they asked for it, I asked them why they needed my personal information. They 

gave me the song and dance that it was easier and it was the process. I was relieved 

when the contract and paperwork was submitted so that I could have some relief from 

the loan. Started getting an uneasy feeling when I continued to get late notices from 

my student loan department. I called them and they stated that they never send out 

debt relief. I called Ameritech and no one would give me a straight answer until I sent 

an email in August 2016 stating that I would seek Lawyer representation if they did not 

end my loan agreement. They stated that they were not a loan agency and they were 

paid to do the leg work. Actually screamed over the phone "leg work REALLY" I told 

her that I could have provided information myself for a forbearance payment if needed. 

I changed my information on my bank accounts but they still had personal information 

such as social security numbers and email etc.It only took me one letter stating that my 

student loan was late before I started investigating which I should have from the start.. 

The first email stated that they were BBB, but I don't think I ever saw a logo. Felt kind 

of funny due to the fact that I was trying to refer people.. Glad I halted those that I told 

about the scam. When I received the information in the mail.. I thought to myself wow I 

was right.. I have since then moved.. previous address of 

. Thanks for giving me the opportunity to tell my story..

678 97502443 07/07/2018 AmeriTech Financial Service 

I initially contacted Ameritech to consolidate my student loans and to start making 

reasonable payments on them. Over the phone, which was an hour and a half long 

process, they consolidated my student loans to a payment of $108/month. They, I 

spoke to Trish Caspillo, asked for all of my student loan accounts to consolidate. They 

had me sign a "Income-Driven Repayment plan request" form, sign a public service 

loan forgiveness employment certification from my works HR Department, and a 

"General Forbearance Request" form. Apparently I had some loan forgiveness since I 

have a state job. The payments are automatically debited from my account as a "Ram 

Ram Debit". Overall the process seemed easy and the person that helped me was 

nice, so I had no idea of their shady practices until I received the FTC letter in the mail 

yesterday. I will be cancelling my account with them, and would like my $1080 back 

that can actually be applied to my student loans. Thank you, 

Ortiz Attachment A - 143

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# Reference Number Complaint Date Company Name Complaint Info Comments

679 97502510 07/07/2018 Ameritech

I was contacted by Ameritech with an offer for student loan forgiveness. I sent them 

$230 for the first three months and sknce then it has been a bank draft for $99 a 

month. I was told that after paying this for a set time then my loans would be forgiven 

and that the amount I had paid would go towards my loan balance. I was told that they 

would work with the loan servicer to ensure that this happened. Recently I received 

notice that this company was being sued and none of the money I paid would go 

towards the loan.

680 97502597 07/07/2018 AmeriTech Financial

I signed up with Ameritech as they promised to help fix my loans forgiveness and 

payments, and my loan would be forgiven in five year. I have paid them over a 

thousands of dollars, and to know that none of that money has gone towards my 

student loans like they said infuriates me, mot to mention a thousand dollars of 

outstanding interest, unpaid. I remember Neil telling me how they would be the 

company to get my loan forgiven, and when I asked how would $108 goes to the 

student loan he started given me all these percentage break downs, and now I see 

that's their smoke screen. I stopped payments and doing business with them, redid my 

paperwork on line for free and submitted it to Fedloan in less then 20 minutes, that 

included my wife setting up her account to co-sign. Neil told me that the Feds made the 

financial paperwork to hard for most people to fill so they wouldn't do the forgiveness 

program ... it was an import. What liars this company is. Now they keep calling asking 

me to get the auto-debt release form esigned and sent in. Ameritech just leave me 

alone.

681 97502619 07/07/2018 Ameritech Financial

I have been using Ameritech Financial to help me lower monthly student loan 

payments since 2016. I saw an ad on facebook, and saw that my coworker had used 

them. I asked her about it and she said they helped her so I contacted the phone 

number. They assured me they would lower my monthly payments over 10 years. I 

took the offer because I was desperate for some relief as I could not afford my student 

loan payments at the time and I needed to get a new car and have money to make 

payments on that. Ameritech has taken control of sending in an Income Driven 

Repayment application to Navient every year. They have control of my FSA account, 

which I gave them permission to do thinking my money was going towards the 

payments of my student loans. I have paid them over $3,000. I am going to cancel my 

account, call to have my FSA logins changed and I would like to have my $3,060 back 

to put toward my actual student loan account

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# Reference Number Complaint Date Company Name Complaint Info Comments

682 97502630 07/07/2018 Ameritech Financial

I received a letter on 7/3/18 from the FTC about AmeriTech Financial being sued by 

the government for deceptive practices. I have paid them directly an estimated amount 

of $3,000.00 over 2 years, none of which has been applied to my student loan interest. 

I now owe about $4,000.00 more on my student loans because of this unpaid interest. I 

severing ties with AmeriTech immediately but am concerned about not getting my 

money back from them. Best, Other-Other Update

683 97502721 07/07/2018 AmeriTech Financial Customer 

Service

I recieved a letter in the summer of 2017 from AmeriTech financial that said i needed 

to consoidate my student loans and start making payments. They told me that they do 

all the paperwork and then withdraw the payments from my checking account and 

payoff my student loans. They said that I would be in deferment while I was paying 

them so i wouldn't be accruing intrest on my accounts as well and through their 

company after paying with them for 30 years, the remainder of my loan would be 

dismissed, saving me over $100,000 in loans and interest. I then recieved a letter from 

the FTC stating that my payments have not been applied towards my account and I'm 

very concerned!

684 97502748 07/07/2018 Ameritech

I was contacted by Global Client Solutions aka Ameritech Financial in March 2016. As 

they stated, an automatic payment for the first month would be $407.00. For the next 4 

months $307.00 was due. And from there $100 per month was deducted from my 

account for approximatley 2 years for Ameritechs programs that were offered. 

Reaching a total of approx $4,000 to Ameritech Financial. In the meantime, my student 

loan debt increased forcing me to refinance my student loan debt to an accredited 

bank with a lower interest rate without any attached fees.

685 97502838 07/07/2018 Ameritech Financial

I was contacted via email 2 years ago regarding their "Public Service Loan 

Forgiveness" program. I was told that if I paid X amount for 10 years that all my loans 

would be forgiven. I signed up for their program and began payment. After 1 year my 

monthly payment decreased to $99.00 a month. I very recently found out that none of 

that money went towards my student loans but in fact went simply to help sustain the 

AmeriTech company. I would very much so like to have the money returned to me that 

I lost due to this scam. I would immediately use it to go towards my loan principal and 

enroll in a loan forgiveness program with the DOE.

Ortiz Attachment A - 145

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# Reference Number Complaint Date Company Name Complaint Info Comments

686 97502858 07/07/2018 Ameritech

I paid $82 a month to ameritech for 2 years straight. I some of that was going towards 

my federal loans and the other to this company for payment of their servics. After 2 

years an agent from fed loans called and sent an email saying that I owed money and 

it was du by the 20th of the month they contacted. That is were I found out 

AMERITECH did not pay any money towards my loans. When i called ameritch they 

said that i was told by them that the money wouldnt go towards loans it would just go 

towards their services to find a cheaper or company that would decrease my loans. I 

was very upset i pained money for 2 years for what for some stupid company to just 

pocket my money and not do anything about my loans. Now i am in the same boat i 

was in a few years ago, all that money could and should have went towards my loans 

and it didnt. when i demanded my money back they said i couldnt give a refund.

687 97502871 07/07/2018 Ameritech Financial

I did research on the company before calling them. It all sounded like they were 

working with the department of education to repay loans. All I wanted was to be able to 

make 1 payment each month and have it dispersed to each (4 total loans) loan so that 

I do not have to worry about a missed payment or falling into default. I had asked for 

statements to show where my monthly payment was going and I have had a hard time 

connecting with anyone at Ameritech Financial. I started to become wary of them and 

tried to get a hold of someone to talk about where my payments were going and to stop 

my payments and no one would call back. I received a letter from the Federal Trade 

Commission warning me about a potential lawsuit against Ameritech Financial per the 

monthly payments I and others like myself were making were not actually going toward 

student loans.

688 97502915 07/07/2018 Ameritech

I started paying Ameritech because they told me if I made monthkly payment @$157 

after a year it would godown to $100 a month then after 10 yrs my student lons would 

be forgiven since I work for a non-profit hospital. I made my payments faithfully till I had 

some personal problems I asked to show that my laons were paid on and stop taking 

out the oney monthly. They sent me a file saying there was a fee monthly and none 

went to student laons and there were none to refund. I was so upset tried everything to 

get my money back they refused. I still have some of the emails and paperwork they 

sent me if you need copies. If you can help me get some of my hard earn money back 

or to go on my student loans that would be great.

Ortiz Attachment A - 146

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Page 147

# Reference Number Complaint Date Company Name Complaint Info Comments

689 97502930 07/07/2018 Ameritech

I was contacted via mail by Ameritech. This company told me that THEY would be able 

get my student loan paymetns down and enroll me in a program that would allow my 

student loans to cancel after making a certain number of payments. They stated they 

would take care of all of the paperwork that was involved and that I didn’t need to worry 

about a thing. They stated I had to pay $287 for 5 months then after that $99. The $99 

would cover membership costs. They stated my student loan payments would be about 

$10-$20 dollars a month. Well, my payments were higher than that. I was naive about 

the situation at first but after making 4 payments of $287 I thought, I can do this 

paperwork myself. When I called them to discuss my actual membership and what it 

entailed, I told them I didn’t see the point of going through them. The rep stated, “Well, 

we got your payments as low as we could.” My response was “You guys didn’t do that, 

the paperwork I had to submit did that.” During this conversation I told them I didn’t 

want to continue my membership and I cancelled it. When I tried to get my money 

back, they told me they couldn’t offer a refund. This is when I knew something was 

going on with this company but I didn’t know what avenue to take to rectify the 

situation.

690 97503097 07/07/2018 Ameritech Financial

691 97510223 07/07/2018 Ameritech Financial

I was first contacted by Ameritech Financial by mail in early January 2018 when they 

stated the total amount of my student loans with FedLoan Servicing accurately. They 

stated that through their company I could repay my student loans for about a year or so 

and then my student loans would be completely forgiven by FedLoan Servicing. I called 

them after reading their letter and spoke with a "Collections Specialist" with 

Ameritech named Holly Halverson. She told me the first year I would pay $85.00 to her 

company and then the second year it would increase slightly and by the end of the 2nd 

year my $30,000 worth of student loans would be forgiven by FedLoan Servicing. I 

excitedly set up the automatic payments to Ameritech Financial on 1/15/2018 with my 

bank debit card. My first payment of $85.00 was taken out of that bank account on 

3/15/2018 and two more payments of $85.00 were withdrawn from the same account 

on the dates of 4/15/2018 and 5/15/2018. After 5/25/2018 I became unemployed and 

notified Ameritech Financial by email that I couldn't make the payments. I did obtain 

employment in June 2018 but had many past due bills and did not make any more 

payments to Ameritech Financial after those dates. Then I received a letter from the 

Federal Trade Commission on June 27, 2018 that the FTC had sued Ameritech 

Financial for 'deceptive practices'. I plan to make a refund call to Ameritech Financial 

after sending this complaint to the FTC. Thank you for your time and notifying me of 

this scam. Sincerely, Other-Other Update

Ortiz Attachment A - 147

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Page 148

# Reference Number Complaint Date Company Name Complaint Info Comments

692 97510422 07/07/2018 Ameritech

i was contacted by Ameritech by mail and phone and informed they were affiliated with 

Fedloan. They offered to reduce my monthly bill and saved me money so I began 

paying them. They informed me that they would complete all the paperwork. When I 

inquired about the public loan service forgiveness the representative informed me that 

it would not affect my payments and current standing. It was heartbreaking to find out i 

lost over two years of qualifying payments after making those payments. Fedloan 

advised me I was duped and thst i lost two years of payments due to the switch to 

Ameritech. Again that was a question I had asked and was told it would not affect. This 

has really set me back. I would like to see them held accountable and I would also like 

to see FedLoan offer a solution or at least assist me in adding those qualified 

payments i worked so hard to pay every month count. thank you

693 97510484 07/07/2018 Ameritech

They stated that getting any loan help was very slim to do it on my own. They told me 

it would cost $800.00 with a $100 enrollment fee and $99 a month. I kept all of their 

paperwork and they were very sure that you cannot get anything approved if you do it 

yourself. Then they were charging me a monthly fee and I don't even know if my 

payments were credited to my loan.

694 97510499 07/07/2018 Ameritech Financial

I responded to an email because I'm trying to pay off a very old student loan and 

consolidate with my daughter's debt for school as well. I was told I would have to pay a 

larger amount for the first 6 months and then it would be reduced. after months of 

paying $177 and an intial payment of $500, the payment didn't change. I started to get 

concerned when my loan servicer called and said I was behind in payments. I called 

ameritech and arranged for a phone call between them and my loan servicer. The rep 

from ameritech said I was not to say they were ameritech, that they were just a "friend" 

representing me..super suspicious. Then I spoke up stating they had been taking my 

money for months saying it was going toward my loans. The rep from Ameritech got 

angry and my loan servicer told me a payment hasn't been made in months. So their 

deal is, they get your info to file a deferment and a consolidation with your loan servicer 

to buy some time before your payments are actually late. then they take the money out 

of your account every month. Months and thousands of dollars later, you find out the 

money isn't going to your loan. when I found out ameritech was doing this I cancelled 

and their logic was that all of the money I was paying was for their "services" to reduce 

my actual time to pay and that they never told me they would be paying an actual 

amount to my loan until a later date. now I am out of all of that money, and no better off 

with my student loans. I had to do some repair to get things back on track with my 

loans. I need that money back, they offered me nothing.

Ortiz Attachment A - 148

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 149 of 511
Page 149

# Reference Number Complaint Date Company Name Complaint Info Comments

695 97510613 07/08/2018 Ameritech

I reached out to AmeriTech because they identified themselves as a student loan 

replayment agency. They stated that the money I paid them would be applied to my 

student loan. Further, when deciding the payment I could make they gave me a large 

amount to pay. My first payment was $257.00, after the first month I reached out to 

them to let them know I was unable to make that amount and asked to pay $100.00. At 

first they told me no, but then I told them that I couldnt afford the payment of $257.00 

due to my car note. They finally agreed, I then moved to Indianapolis to start a teaching 

program with . I needed to put my payments on hold due 

to my inability to work while in the program. I asked the AmeriTech represenative if I 

could file for financial hardship until I completed the program on July 13, 2016. They 

told me no and then reported it which affected my credit report negatively. I paid them 

up until August 2017 when I enrolled into school. AmeriTech still tried to convice me 

that I still had to pay even though I was in school. However, I told them that I knew they 

were a scam becasue I spoke with a represenative from New Mexico students loans 

and they told me that AmeriTech was a scam. They then refrained from answering 

anymore questions and the call was terminated.

696 97510759 07/08/2018 Ameritech Financial 

I was contacted several times by Ameritech Financial with this wonderful story of 

helping pay back my school loans, asking forgiveness for the loans and/or keeping an 

eye on my account to pay back and decrease interest. Of course they made it sound 

easy of which I should have been more skeptical. I began to have concerns when I 

could not get hold of anyone when I had questions about my accounts. They are taking 

money out of my checking account, a fee up front was taken and now monthly money 

has been pulled out.... but my loans keep going up and I have checked, nothing has 

been paid on my loans since they took over in late 2016.... I am unsure as to what to 

do with this. I have changed my Nelnet password at this point.

697 97510776 07/08/2018 Ameritech Financial

I was contacted by Ameritech financial by mail to helo pay off student loans and 

evenually get loan forgivness. I have paid them $173 a month for the last 13months 

and my student loans just keep increasing in amount owed. I would like to get the total 

amount of money I have paid to this company so I can actually pay on my loans.

698 97510886 07/08/2018 Ameritech

699 97511111 07/08/2018 Ameritech Financial

i was never told that the payments werent going towards my student loans otherwise i 

would not have authorized them. I thought this company was working with my loan 

provider to minimize my monthly payments but they were collecting a servicing fee for 

services that were never actually provided.

Ortiz Attachment A - 149

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 150 of 511
Page 150

# Reference Number Complaint Date Company Name Complaint Info Comments

700 97595187 07/08/2018

Ameritech Financial|Ameritech 

Financial|University of South 

Florida-Main Campus

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I consolidated all of my student loans and 

THOUGHT I had started the student loan repayment program. I used Ameritech. After 

13 months of paying them over $200 per month, I noticed that no money was going 

towards my student loan. Ameritech had changed my pin number and was getting all 

of my informtion. They also altered documents about the number of dependents I had 

to get a 0 payment for my student loans, yet they were collecting what I thought was 

going towards it. A company that helps teachers came into our school and I asked 

them to look my loan over and they knew right away something was wrong. I called 

student loan and they helped me get all the paperwork together to do the papers on my 

own without paying a company. When I called to cancel Ameritech they kept 

threatening that my payments would now be $1000 per month and I would be better off 

paying them the $200 instead. I did cancel them. I did start my student loan 

repayment, but the money I paid for the first 13 months doesn't count towards the 10 

year repayment. I am 48 years old and will be paying these loans until I am 58! They 

also charged fees for the paperwork. It seems like what they are doing should be 

illegal. --- Have contacted: CC Issuer --- Fair Resolution: Ameritech should have to pay 

me back all the money they collected from me. They misrepresented what they were 

doing with the money and who they were. --- School Unit ID: --- School OPE 

ID: 

701 97358628 07/09/2018 Ameritech Financial

Consumer is calling because she received a post card from Ameritech Financial telling 

her that the company can help her pay off her student loans. Consumer signed up for 

their services and paid the company $132 a month for 9 months and then her 

payments went down to $67 a month. UPDATE 07918:Reporting that she tried to reach 

Ameritech to cancel membership and they told consumer they would get back to her 

and they never did consumer found out they are closed.

702 97364603 07/09/2018 Ameritech Financial

I was sent a letter talking about student loan repayment plan and so I called. The 

representative was very nice and insured me that everything was legit. So she 

gathered all my info. and I got her the necessary documents and now they debit my 

acct. once a month for $173.00 to go toward my student loans. Said I would pay this 

much for the first year and then it would go down after that and each year they would 

reevaluate my income, etc. Said it would approximately take 20 years of paying this to 

pay off the total amount I owe, which is roughly $30000. I have been paying now for a 

year. Update 07/09/18 Consumer is calling to question the steps she should take. 

Consumer has not cancelled her account with Ameritech Financial, was referred to 

follow steps from letter she received from FTC. 

Ortiz Attachment A - 150

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 151 of 511
Page 151

# Reference Number Complaint Date Company Name Complaint Info Comments

703 97370645 07/09/2018 Ameritech Financial

Consumer received a letter for Ameritech Financial information her about a lawsuit 

filed against them. Consumer states that she has had service with them since 2016. 

Consumer states that she has paid around $2376 which was being debited from her 

account. UPDATE 07-09-2018 Consumer is calling with questions about the upcoming 

court against Ameritech and getting her money back. 

704 97384309 07/09/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial. Consumer 

recieved letter from FTC regarding the recent lawsuit that was filled against this 

company. UPDATE 7/9/18: Consumer states they paid more than they thought and 

asked to cancel their account. 

705 97459608 07/09/2018 Ameritech

Consumer states that she/he received a letter from the FTC stating to be suing 

Ameritech due to deceptive practices, consumer states he was offered assistance with 

reducing her student loan from Ameritech. Consumer states that she was told if she 

paid $173 a month, they were able to forgive her loan. which she found out that no 

payment was going to her student loans. consumer wants to know how she can 

retrieve her money and where to receive additional information. UPDATE 07.09.2018: 

The consumer updated her e-mail address. 

706 97472242 07/09/2018 Ameritech Financial

The consumer received a letter from us about Ameritech. The consumer was paying 

them to the consumer lower the consumer student loan. The consumer is reporting 

that she is out approximately $3600. UPDATE 07-09-2018 Consumer is calling to 

report that there has been no payments made since May of 2016. Consumer states 

that her loan with Fed Loan had accrued $5400. 

707 97522820 07/09/2018 Ameritech Financial

AMERITHECH COMPLAINTS. The consumer had received notice in the mail from 

Ameritech Financial offering to manage her student debt. Consumer has paid over 

5,000 dollars to said company.

708 97522823 07/09/2018 Ameritech Financial

Consumer received a letter from the Federal Trade Commission about Ameritech 

Financial. Consumer stated the contacted her but she doesn't remember if it was by 

mail or phone. They told her that her loan would be forgiven in 10 years. consumer 

stated she started paying $100 for the first year and the second year $50. Consumer 

has been paying for 3 years to help lower her student loans but the never did.

709 97522858 07/09/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

Ortiz Attachment A - 151

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 152 of 511
Page 152

# Reference Number Complaint Date Company Name Complaint Info Comments

710 97522864 07/09/2018 Ameritech

I was contacted by Ameritech to assist with lowering my student loans. I was provided 

information about the company and I looked them up. I received several calls from 

them. I finally gave in because my student loans were killing me each month. I have 

given a contract to sign and was informed that my payments would be cheaper and 

that there was a service charge of $50 per month and I believe a $150 initial payment. I 

pay them and have been billed $50 monthly for their service. I get emails monthly from 

them explaining their extra services, but can never log on. one of my loans were 

lowered, not sure if it was due to their help or not. When I enrolled, I believed that they 

were making my payments until I received information from AES that my payment was 

not received for the month, I call the office back and ask for clarification about my 

monthly payment to them and my loans. the information i received was vague but one 

of my loan payments were cheaper so I thought the company did what they were 

suppose to do. Until I received a letter in the mail that they are being sued for the 

services that they provide and the monthly charges. I have given this company over 

$1000 of my hard earn money hoping for honestly and help. but found out that they 

were taking my money.

711 97522866 07/09/2018 Ameritech Financial

Consumer states that she hired Ameritech Financial approximately early 2017. 

Consumer was promised student loan consolidation for lower monthly payments and 

recalls that she paid about $88 per month. Consumer had received a letter of none 

payment to his loan servicer, Navient so when she called them she was told that 

Ameritech Financial never got in touch with them. Consumer then called Navient 

during 02/2018 and cancelled her account and got a partial refund back of about $400.

712 97522893 07/09/2018 Ameritech Financial

Stated to work with Ameritech Financial to reduce my student loan payments. Have 

been working with them for over a year. Made an initial payment of about $500 and 

pay $99 per month. I thought they were working on lowering my payments but recently 

received an invoice from the loan servicing company for more than double what the 

original payment amounts were. When I contacted them they just told me to send in 

more paper work and they would continue to work in this but could not give any details 

and to call back back after the paper work was sent in.

713 97522921 07/09/2018 Ameritech Financial 

I have been paying Ameritech Financial since September 2017 under the agreement 

that the money would go towards my student loans. I received a letter from the Trade 

Commission saying that Ameritech has not been doing what they have assured me 

they would do. I called Ameritecj July 5 and July 9 to cancel my account and they have 

yet to get back to me.

714 97522925 07/09/2018 Ameritech Financial Consumer received a letter about the Ameritech Financial case and she was a 

previous costumer of them and wanted info on what to do.

Ortiz Attachment A - 152

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 153 of 511
Page 153

# Reference Number Complaint Date Company Name Complaint Info Comments

715 97522975 07/09/2018 Ameritech Financial

Reporter is mother calling on behalf of her son. Reporter states that she hired 

Ameritech Financial approximately during late 2016. Reporter recalls that she was 

promised to pay off the consumers student loans at a monthly rate payment of about 

$101 for 5 years. Consumer states she did not hire Ameritech Financial to consolidate 

student loans or to have loans forgiven, she thought she was paying the principle. 

Reporter states that she was informed during 01/2018 by Ameritech Financial that she 

would have to pay more than 5 years to possibly get the loans forgiven, something that 

she did not initially want she states she just wanted to pay the loans off. Reporter 

states that the consumers original loan servicer is unknown and had never paid the 

original lender. Reporter then cancelled her services with Ameritech Financial.

716 97522982 07/09/2018 Ameritech

Consumer is calling to report he received a letter from the FTC about Ameritech. 

Consumer states he received a phone call from someone with Ameritech stating that 

they could help consolidate his debt. Consumer paid 199 dollars a month. Consumer 

has paid a total of 4082 dollars through his checking account.

717 97563496 07/09/2018 Ameritech Financial

I contacted Ameritech after recieving a letter in the mail to help reduce my Federal 

Loans. I completed the referal process and paid inital fees. Shortly after enrolling, 

Ameritech closed my account stating “I did not qualify for services”.

718 97563507 07/09/2018 Ameritech Financial

Consumer states that he received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. He was told that they would pay off his loans so he went with 

them. He has been paying them monthly $88 since 2017. He is not sure how much he 

has paid them.

719 97563542 07/09/2018 Ameritech Financial

AMERITECH COMPLAINTS: The consumer rc'd the Ameritech letter from the FTC. 

The consumer has paid about $404.00 to Ameritech, but the consumer will call back 

with more information.

720 97563604 07/09/2018 Ameritech Financial

I enrolled with Ameritech Financial on 2/14/17. I have proof of registering and proof of 

all submitted payments. To date, I have paid them $2,623. This is an atrocity that they 

scammed people into paying student loans. What a complete sham and disgrace! I 

want all of that money refunded since they did absolutely nothing. I hope the court will 

do the right thing and side with the people and demand Ameritech to repay everyone 

that made payments to them and in full! They auto draft bill me every month for $99 

and I don't even know what they do! It's a real tradegy that people and businesses 

operate this way in this country. You cannot trust anyone for anything ever. Is this 

what this country has become? I'm appalled to my core. I have a family to support 

and I was taken complete advantage of for trying to do the right thing and repay my 

student loans. Again, I hope the court does the right thing and I hope that the right 

people actually care about the wrong doing this company has done and they take 

action against them!

Ortiz Attachment A - 153

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 154 of 511
Page 154

# Reference Number Complaint Date Company Name Complaint Info Comments

721 97563683 07/09/2018 Ameritech

Consumer is calling to report that she received a letter from the FTC about Ameritech. 

Consumer states she received a letter from Ameritech stating they could consolidate 

her student loans. Consumer was told to pay for 25 years. Consumer states she has 

paid a total of 2376 dollars

722 97563685 07/09/2018 Ameritech Consumer is calling to report that he received a letter from FTC v Ameritech Financial. 

Consumer was with the company since 2016 and has paid $4,000.00.

723 97563699 07/09/2018 Ameritech Financial 

724 97563729 07/09/2018 Ameritech

Consumer stated that she received a letter from FTC regarding Ameritech and needed 

to know what to do. Consumer wanted to file a complaint against Ameritech and has 

been paying $99 per month since April 2016. Consumer does not remember how 

much the upfront cost was.

725 97563744 07/09/2018 Ameritech Financial

I kept receiving a flyer in the mail regarding Loan Forgiveness Program. At the time I 

was having financial challenges trying to make my student loan payments. Contacted 

Ameitech which was the comapny that kept sending me the letters. I spoke to Micha 

Washington who is no longer with the orgnaization. I was on the phone with him to 

about 2 hours. Micha told me because I work for a non-profit that I qualified for the 

Public Sector Forgiveness Program. I had to pay one hundred and something dollars 

for the first 6 months then that August, 2016 my payments would then be $99. So in 

total as of July, 2018 I have paid them $3,066 ($690 for the first 6 and $2376 in 

monthly payments. In January, 2017 I started getting calls and emails about FedLoan 

Accepted my application and so I inquired what was going on because I know how 

financial institutions sell loans. Each year I a have to the PSLF form.

726 97563774 07/09/2018 Ameritech They just told me that they would help me to repay my loans. ive noticed my loans 

have not gone down at all. ive been paying then once sometimes twice a month.

727 97563806 07/09/2018 Ameritech

Consumer stated he received a letter in the mail from FTC regarding Ameritech. 

Consumer learned of Ameritech when he was at a job fair and signed up with them for 

a student loan forgiveness program. Consumer set up auto payments and does not 

recall how much. Consumer will call back with the amount. UPDATE 07-09-2018 

Consumer is calling to report that he was charged $931 and began to contact 

Ameritech on 05-15-2018. Consumer also reported a phone number. 

728 97563816 07/09/2018 Ameritech Financial

Consumer has been working with Ameritech Financial to pay off student loans. They 

were supposed to be paying these off within a five year basis, but she doesn't think 

they've done anything for her or not. She was asked to make 60 total payments, the 

first was to be $255, with the next 6 months being $235, and the rest of the 53 months 

at $99. She has paid approximately $4,239 of the $6,912.

729 97563837 07/09/2018 Ameritech Consumer states that she wanted to file a report against Ameritech because she had 

also been part for the scam involving them.

Ortiz Attachment A - 154

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 155 of 511
Page 155

# Reference Number Complaint Date Company Name Complaint Info Comments

730 97563882 07/09/2018 Ameritech Consumer is calling to report that he received a letter from FTC v Ameritech Financial. 

Consumer was with the company since 2015 and has paid $7,000.00.

731 97563884 07/09/2018 Ameritech Financial AMERITECH COMPLAINTS: The consumer rc'd the Ameritech letter from the FTC. 

The consumer may paid about $820.00 to Ameritech Financial.

732 97563937 07/09/2018 Ameritech Financial

Consumer states that she received a letter in regards to Ameritech and the consumer 

called the company as instructed in the letter and attempted to cancel her membership 

with the company but had difficulty and requested a refund but was denied. Consumer 

began her membership with a 1188 dollar installments from July 2016 - September 

2016 and from that date on paid 99 a month for a total of 3318. (Consumer will call 

back to confirm said amounts) UPDATE 07/09/2018 Consumer called to add 

information that Ameritech would not refund any money. The payments pulled as GCF 

for the first 4 payments. 

733 97563943 07/09/2018 Ameritech

I received a letter in the mail from the company Ameritech. The letter stated that the 

company could help me to get my loans reduced or forgiven. One day after work, in 

either December or January, I called the company and talked to a man, i forget his 

name, for almost three hours. The man told me that Ameritech could take over my 

loans and pay them for me. He said that I could pay Ameritech a monthly rate for 10 

years after which my loans would be forgiven. He said that the payments that I made to 

Ameritech would go towards the repayment of my loans. He said that Ameritech would 

take over everything and I would no longer have to worry about my loans. I signed up 

that evening and paid them $70 a month for i believe 8 months. Which may not seem 

like a lot of money but on a teacher's salary was hard to afford. I figured out something 

wasn't right when i received a letter in the mail from my loan servicer. I called my loan 

servicer and was told that none of the money which I had been paying to Ameritech 

had gone towards the repayment of my loans. I told the loan servicing people the entire 

story and I was told that I had been "duped" and that they see situations like this all the 

time. Fortunately, my loan servicer was able to get my loans back in order and 

somehow fixed it to where I wasn't behind from not paying all those months. The next 

day I went to my bank and told them that I had been a victim of fraud and explained the 

story to them. The accountant there called Ameritech and tried to help me get my 

money back to no avail. We ended up having to completely close my account so they 

would no longer have access to my account information. Unfortunately, I never 

received any of the money back that I had paid to Ameritech.

Ortiz Attachment A - 155

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 156 of 511
Page 156

# Reference Number Complaint Date Company Name Complaint Info Comments

734 97563945 07/09/2018 Ameritech Financial

Consumer reports that she is a victim of the Ameritech Financial. Consumer says as 

soon as she finished school she contacted them and they then offered assistance to 

pay off her student loans. Consumer later got on a payment plan. Consumer has maid 

payments of about $108 each for almost 2 years. Consumer later found this to be 

suspicious. Consumer received letter from the FTC about the lawsuit with Ameritech 

Financial.

735 97563959 07/09/2018 Ameritech Financial

Consumer rcv'd a letter from FTC vs. Ameritech Financial. She has paid Ameritech for 

two years for loan consolidation, but they never did anything, causing her loan to go 

into default. Consumer paid $200 for eight months, at which point her bill went down to 

$100/month for the remainder of the 20 year contract. She has paid an approximate 

amount of $2,800 out of the total $24,800.

736 97563982 07/09/2018 Ameritech

I did have an account with Ameritech. They promised to help repay my student loans to 

get my teaching license back on track from being suspended. My teaching license still 

ended up on suspension which caused me to lose out on getting a teaching position 

that I’d apply for. I quit paying Ameritech and they reached out to me to make a 

payment, but I told them I was not paying them anymore because they didn’t tell me 

the truth. I also recorded the customer representative when I initially set up the account 

in June 2017. The recording is over an hour long. Other-Other Update

737 97564005 07/09/2018 Ameritech

I gave them my credit and debit information stating that they were making an initial 

payment of 341. I then gave my account information for an automatic payment of 250 

for the first six months then 100 for 21 months. By the time i figured out it was a scam 

and my payments were not being recieved by fedloan or nelnet bank of america would 

not refund me my money. I was having all kind of weird charges of over 1,500 the day 

after christmas I had to not only change the card several times and ended up closing 

the whole acount and leaving that bank completly.TOPIC:Referrals

738 97564067 07/09/2018 Ameritech

739 97564097 07/09/2018 Ameritech

Consumer is calling to report that she received a letter from the FTC about Ameritech. 

Consumer states she signed up with services with Ameritech after she received a 

phone call stating that they could consolidate her student loans. Consumer has paid 

over 4000 dollars through her checking account.

Ortiz Attachment A - 156

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 157 of 511
Page 157

# Reference Number Complaint Date Company Name Complaint Info Comments

740 97564130 07/09/2018 Ameritech Financial

I got a student loan debt relief letter in the mail, it wasn't the first I had received, but I 

decided to call since I was trying to figure out a way to start paying my loans and be 

able to still manage my budget. So I called, Kathlenne was very knowledgeable, 

walked me through all the paperwork, explaining how things worked and answered all 

my questions. I talked to my IT boyfriend at the time and asked him before I signed up 

to see if he thought it was a fraud, they seemed legitimate at the time. They offered to 

help me fill out all the paperwork to get my student loan payment where I could actually 

afford it and the rest of my bills and their service to do that would cost about $700 

dollars payed along with my student loan payment. I logged into nelnet my student loan 

company to see what was going on and noticed a large payment recorded there. So I 

figured from there I was paying ameritech and not nelnet. I kept getting monthly letters 

from nelnet saying I owed them nothing but keeping me up to date on my balance so 

everything again appeared in order. There was documentation submitted to nelnet for 

an income driven repayment plan. Ameritech stated that I would have to reapply to the 

plan annually and they would let me know when that was due and to let them know if 

there were any changes in my status with dependents or if my income changed.

741 97564199 07/09/2018 Ameritech Financial

Consumer rcv'd a letter about FTC v. Ameritech Financial. Consumer has been paying 

Ameritech Financial every month to resolve their student loans, but Ameritech has not 

been fulfilling the terms of the contract. Consumer agreed to a contract of 300 months 

at $120/mo for the first 18 months, $99/mo for the remainder of the contract.

742 97564308 07/09/2018 Ameritech Financial The consumer has a complaint against a debt management company, Ameritech 

Financial. They have not helped him with his student loans.

743 97564327 07/09/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$1197 over the course of two years.

744 97564363 07/09/2018 Ameritech Financial The consumer has a complaint against debt management company Ameritech 

Financial. They have not done what they have promised.

745 97564406 07/09/2018 Ameritech

The consumer reports that's she received a letter from the FTC regarding Ameritech. 

The consumer reports that she paid for their services for 3 months. The consumer sent 

them a total of $519. The consumer reports she came into contact with them over the 

phone.

746 97592623 07/09/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

747 97592723 07/09/2018 Ameritech Consumer states he got a letter from the FTC about Ameritech. He wanted to file his 

information. He set up the account with them on in 2015 paying 200 a month.

Ortiz Attachment A - 157

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 158 of 511
Page 158

# Reference Number Complaint Date Company Name Complaint Info Comments

748 97592772 07/09/2018 Ameritech Financial

The consumer received a letter from the FTC about the Ameritech case and wanted to 

know what he can do. The consumer reports that he was originally called by someone 

representing Ameritech Financial offering to lower his monthly student debt payments. 

The suspects requested 100/month and he has paid for about 2 years via debit card.

749 97592867 07/09/2018 Ameritech Consumer received a letter from FTC vs Ameritech. Consumer received a call on her 

cell phone. She was told that they could her reduce her student loan.

750 97592868 07/09/2018 Ameritech Financial

Consumer has received the letter from the FTC in regards to the case against 

Ameritech Financial. He started his payments with them back in February or March of 

2018 and has been paying $89 monthly. Consumer would like to file the complaint 

against this company for the reasons that the letter states.

751 97592873 07/09/2018 Ameritech Financial Consumer received a letter in the mail from the FTC in regards to Ameritech Financial. 

Consumer stated she had been paying them for about 3 years to help with her student 

loan debt. Consumer wanted to know what else to do, referred to FTC.gov.

752 97592916 07/09/2018 Ameritech

Consumer is calling to report that she was contacted by Ameritech offering their 

services to consolidate student loans. Consumer contacted them and set up payment 

plans with the company. Consumer states that she has paid $3500 total.

753 97592931 07/09/2018 Ameritech Financial

Consumer received a phone call from Ameritech Financial and entered a contract to 

consolidate their student loan debt. Consumer was charged $600 and $99/month for a 

total of $3,174 by automatic bank draft. Company threatened the consumer would be 

charged by the student loan creditors if they placed a stop payment. Consumer 

confirmed no payments were made to their creditor. Consumer believes they have 

been deceived and given incorrect information.

Ortiz Attachment A - 158

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 159 of 511
Page 159

# Reference Number Complaint Date Company Name Complaint Info Comments

754 97592940 07/09/2018 Ameritech Financial

I contacted Ameritech after receiving multiple mailers promising to help me navigate 

the federal student loan system and get a repayment plan that I could live with. 

Currently my husband and I are providing nearly all living expenses for both of our 

daughters (single mothers) and their children (5 children). I asked several questions, 

trying to determine whether or not I felt that this company was legitimate and finally 

agreed to sign up with them. I was required to pay them $227 for the first payment, 

$119/mo for the following year's payments, and then promised a $99 payment for the 

remaining time...being told that at the end of the 10th year the federal government 

would forgive the remainder of the loan. I did what they asked, having to call and 

"remind them" that my payment was set to drop to $99 after the first year was over, 

then, during the middle of the second year received word from the fed loan servicing 

folks that I had not be making any payments and that I would need to begin submitting 

payments of nearly $900/mo immediately. When I contacted Ameritech to ask about 

this, I was told that I had qualified for a $0/mo payment but no longer did. At this point I 

began working with them to get that payment reduced. Currently I am paying a 

payment directly to fedloanservicing and seem to be in good standing again. 

Ameritech continues to debit my account for $99/mo. I am calling today to cancel this 

membership.

755 97592943 07/09/2018 Ameritech Financial

I called Ameritech Financial asking for information about a student loan forgiveness 

programs and repayment plans after receiving some notices in the mail. I checked out 

the website then called the number listed, and spoke with Charles Griffin who 

explained the process to me. I was told that a repayment plan can be set up to reduce 

the amount owed of my Student Loans based off my income and that I qualified for 

assistance. I was told that my monthly payments will help pay off my loans toward my 

loan servicer and this service will be provided with this payment plan lowering my total 

amount due.

756 97592964 07/09/2018 Ameritech Consumer is calling to report that she received a letter from FTC v Ameritech 

Financial. Consumer was with the company since 2017 and has paid $200.00.

757 97593008 07/09/2018 Ameritech Financial

Consumer states that he had received a letter from Ameritech Financial stating that the 

FTC had sued Ameritech for deceptive practices. consumer states that he has made 

payment each month.

758 97593016 07/09/2018 Ameritech

Consumer received a letter from the FTC concerning the case against Ameritech on 

07/05/2018. The consumer was contacted by phone from Ameritech around 

02/15/2018. They claimed they could help the consumer pay off their student loans. 

The consumer was asked to pay a fee of 150 dollars to start, and 82 dollars a month 

via direct bank transfer. The consumer complied.

759 97593032 07/09/2018 Ameritech

Consumer reports that he got a letter from FTC concerning the Ameritech lawsuit. He 

has sent them money and they have not paid any student loans. Consumer saw an ad 

for Ameritech online and has paid them a great deal of money

Ortiz Attachment A - 159

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 160 of 511
Page 160

# Reference Number Complaint Date Company Name Complaint Info Comments

760 97593076 07/09/2018 Ameritech

Consumer states she received a letter from the FTC regarding with Ameritech 

Financial.Consumer states she paid $1000 and then $100 from her checking account 

for about 3years paying about $4000.

761 97593147 07/09/2018 Ameritech Financial

Ameritech Financial offered me total forgiveness towards my student loan for a 

monthly fee of $88. I have paid them this amount for some months now and no results. 

They have basically been taking my money and my student loan amount has not 

decreased in way. My trust has been betrayed and I feel violated financially and would 

like a full refund.

762 97593178 07/09/2018 Ameritech Consumer is calling saying she had received a letter from the FTC about Ameritech. 

Consumer says wants to file a report against the company.

763 97593180 07/09/2018 Ameritech Financial

Consumer states that she hired Ameritech Financial approximately during 01/2016. 

Consumer recalls that she made upfront of fee of $800 to initiate service then the 

payment per month was about $118. Consumer agreed to pay for 10 years then her 

student loans would be forgiven. Consumer was instructed by Ameritech Financial to 

file her income taxes as "Married and Separate" which she did not do then was told by 

Ameritech Financial that if she didn't file taxes in such matter then the payment would 

go up to over $300. Consumer states she placed her student loans on deferment 

because she started school again and cancelled her account with Ameritech Financial 

during 04/2017.

764 97593246 07/09/2018 Ameritech Financial

a couple of years ago I started looking into paying my student loans. I guess there is 

some kind a database that spreads searches through different institutions. I'm a social 

worker and work with kids so I heard that there were repayment options that would 

assist in wiping out student loan det as long as I made payments on time for a certain 

number of years. I was contacted by Americtech in July of 2016. At first I was hesitate 

but at the time there I couldn't find anything negative so I proceeded to take steps to 

resolve my debt in September of 2016. Ameritech supposedly purchased my loans 

and I was under repayment through their program. They have had access to all of my 

student loan information; including my FSA identification and password since that time. 

My payments were initially $235.00 a month for 6 months $99.00 monthly after then. 

I thought that I was on my way to financial freedom ans it's very upsetting to know that 

I'm technically back to zero.

765 97593252 07/09/2018 Ameritech Financial

I have been paying Ameritch since 2016 and thought after 10 years that my student 

loans would be forgiving now I'm back at square one. This is so infuriating and I'm out 

of thousands of dollars. I thought this was a good company.

766 97593266 07/09/2018 Ameritech Financial

Consumer calling to report he received a letter from the FTC regarding the lawsuit 

against Ameritech Financial. Consumer states Ameritech contacted him in June of last 

year through mail he called them and he has paid approximately $132 every month 

since October up to present date.

Ortiz Attachment A - 160

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 161 of 511
Page 161

# Reference Number Complaint Date Company Name Complaint Info Comments

767 97593424 07/09/2018 Ameritech Financial

Consumer calling about the letter he rcv'd from FTC VS Ameritech Financial. 

Consumer just wanted more information about the letter he rcv'd. Referred him to 

FTC.gov.

768 97593472 07/09/2018 Ameritech

Consumer reports that he got a letter from FTC concerning the Ameritech lawsuit. He 

has sent them money and they have not paid any student loans. Consumer saw an ad 

for Ameritech online and has paid them a great deal of money

769 97597328 07/09/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial . Consumer has 

paid this company a total of $9178.Consumer received letter from FTC regarding the 

recent lawsuit that was filled against this company. UPDATE 7/9/18: Consumer is 

calling back to request additional steps. 

770 97597363 07/09/2018 Ameritech Financial

I was contacted by Ameritech Financial in the year of 2016 by mail. When I spoke to 

them, they reassured me that this was a program to help decrease my student loan. 

The representative asked me a lot of perosnal questions to see if he could help me 

apply for student loan forgiveness and he said I didn't qualify. So according to the 

representative, he said that he could still help me by stopping the reocurrent interest for 

my loan. This is the reason why I accepted to sign on with Ameritech Financial. I 

remember clearly that they stated that every payment that I made to them, they would 

make a payment towards my loan. Well, today I called my loan servicer, and to my 

surprise, no payment has been made since 2016. This is very dissapointing because 

all I am trying to do if pay off my student debt. The cost of living is already so high as it 

is, and companies like these are not making the economy any better. I have been 

paying money since 2016, and to see that my debt amount hasn't decreased at all is 

saddening. I have paid them around 3,000 dollars and feel like that money is now lost. 

I am at a lost with this situation. It is not fair for companies to take advantage of honest 

people who are just trying to make a living and get out of debt. Thank you

771 97597373 07/09/2018 Ameritech Financial

Reported by is calling on behalf of daughter to file a complaint against Ameritech 

Financial .Reported by states her daughter a received letter from FTC regarding the 

recent lawsuit that was filled against this company.

772 97597401 07/09/2018 Ameritech Financial

The consumer received the letter from the FTC concerning Ameritech Financial. 

Consumer enrolled with Ameritech Financial and was lead to believe the money he 

was sending to said company was being credited to his student loan. Consumer then 

found out it was not and then also that he defaulted on the student loan. Consumer 

requested a full refund but only received a 300 dollar refund from Ameritech Financial 

but the consumer paid 125 dollars for 6 months.

773 97597438 07/09/2018 Ameritech

Consumer states she wants to file a complaint against Ameritech. She got a letter 

from the FTC on 07/03/2018. She signed up with them in 09/2017 and she paid 738 

with direct pay from her bank.

Ortiz Attachment A - 161

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 162 of 511
Page 162

# Reference Number Complaint Date Company Name Complaint Info Comments

774 97597474 07/09/2018 Ameritech Financial Setlement

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

reports that he was promised to consolidate his loan paying of her student loan. 

Consumer has became aware that payments made to Ameritech Financial have not 

been going towards her loan. Consumer has paid $99/month debited from his account 

for about 2 Years.

775 97597539 07/09/2018 Ameritech Financial

Consumer called in regards to a letter he received from FTC VS Ameritech Financial. 

Consumer received a phone call from Ameritech Financial offered to consolidate his 

student loans if consumer paid $235 for the first 6 month and then $185 a month 

thereafter, totaling roughly $2520. Consumer states that he agreed to pay and later 

found out that this is a scam.

776 97597565 07/09/2018 Ameritech Financial

Consumer is calling to request information regarding the letter he received from the 

FTC regarding the lawsuit against Ameritech Financial. Consumer states he had 

dealings with the company in 2016 ,but cancelled his account with Ameritech Financial. 

Consumer states he requested a refund through the BBB and he was able to receive a 

refund of $610. Consumer does not wish to file a complaint. Consumer also states he 

contacted Ameritech Financial and requested the removal of his information from their 

database.

Ortiz Attachment A - 162

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Page 163

# Reference Number Complaint Date Company Name Complaint Info Comments

777 97597648 07/09/2018 Ameritech Financial 

 

me consolidate my student debt and saying I was unaware of how much I was 

overpaying and qualified for government assistance. I never really paid attention until 

one day I decided to look it over in detail. I was promised to be put in touch with a 

dedicated debt consolidator who would work to make sure I qualified for all possible 

programs and paying the least amount of money possible which could still pay it off in a 

quick manner. I called the number on the flyer and was put in touch with David 

Mendoza a representative for the Company. We were on the phone for almost two 

hours as I was extremely skeptical of this program. He claimed up and down that none 

of the money I was paying was a scam and that their sole purpose was to be on "my 

side" and help make sure I was paying the amount I deserved and that I was being 

scammed by my current loan services who was not giving me the information or the 

tools to be making low payments. I must have asked him over the phone at least 5 

times "Are you sure this is going towards my loans" "You're telling me that this will help 

me pay it down" etc. I believe the entire call was recorded. He walked me through 

documents in a rather vague way assuring me it was just part of the "routine" and then 

I had to be put in touch with another part of the company who had to take recorded 

statements from me saying I agreed. By the time I was done I was extremely excited 

to be enrolled in a plan that was allowing me to make active payments and start paying 

down my debt, I called my Mom who thought it was fantastic and the first payment 

came out about 2 weeks later on July 7th, 2017 totaling $165.00. I remember seeing it 

and thinking how easy it was that this money was just being taken out and paid directly 

to my loans. When my second payment came out on August 7th, 2017 for a total of 

$173.00 I had noticed that the name of the company collecting my money was nothing 

to do with my student loans. Thinking it was an error on their part I called AmeriTech 

to inquire about what had happened, that was when I was informed that this money 

was never going to my loan it was going straight to them as indicated in the documents 

I had signed. I became extremely frustrated as I was a 24 year old who had recently 

moved cross country to California and obviously money was tight. TO hear I had just 

paid almost 400 dollars to a company that simply "filled out the paper work" was 

devastating. I began arguing with them and demanded a refund as I was never told 

this and then refused to repay any money saying that I had agreed to the terms. I think 

778 97597695 07/09/2018 Ameritech

Consumer states that he had received a letter from Ameritech Financial stating that the 

FTC had sued Ameritech for deceptive practices. consumer states that he has made 

payment each month.

779 97597744 07/09/2018 Ameritech Financial settlement

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

reports that she does not know what they really offered and only though they were 

lowering her debt. Consumer has paid $100/month consumer has paid around $200

Ortiz Attachment A - 163

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 164 of 511
Page 164

# Reference Number Complaint Date Company Name Complaint Info Comments

780 97597757 07/09/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial . Consumer states 

she paid $5000. Consumer states she fired Ameritech Financial after she was 

receiving bills from the original Lender. Consumer states she contacted the lender and 

was told she didn't need to pay Ameritech Financial. Consumer states she found out 

the company just put her loans into forbearance and her payments weren't going to her 

loan. Consumer received a letter from the FTC regarding the lawsuit against Ameritech 

Financial.

781 97597761 07/09/2018 Ameritech Financial

Consumer has received the letter from the FTC in regards to the case against 

Ameritech Financial. He started her payments with them back in 2017 and has been 

paying $82 monthly. Consumer would like to file the complaint against this company for 

the reasons that the letter states.

782 97597786 07/09/2018 Ameritech

I was invited, via email, by ameritech to learn how i can lower my monthly student loan 

payments AND become eligible for student loan forgiveness if i faithfully paid them 

$200 a month for a year, and then $99 for an additional year, with the understanding 

that this would go towards my student loans. shelby west, the Ameritech rep. asked me 

for my user id and passwords of my great lakes account to help speed up the process 

and sign documents, although i kept my promise with the exception of missing 3-4 

payments but contiuned to pay ameritech after a few stumbles and paid for a total of 

around 8-9 month. In the course of time, Great Lakes began sending me confirmations 

via email that my loans were on “forbarence” in which i did not understand knowing 

Ameritech was debiting my account for my loan payments. After i fulfilled my promise 

ans paid $200 for about 8-9 months, i paid $99, for about several months, i was 

notified by Great Lakes that my payments were due which are at $25 month, but i 

cancelled with Ameritech after seeing my SL balance with great lakes was not even 

paid by Ameritech. i grew suspicious then and cancelled. unfortunately i fee like i have 

lost a substantial amount of money that i struggled to pay BUT faithfully paid anyway, 

because i thought loan forgivenss was legit and on the horizon. Ameritech has 

decieved many people and a refund should be inevitable. thank you.

783 97597925 07/09/2018 Ameritech Financial

Consumer stated she received a letter from the FTC about Ameritech Financial. They 

were telling her to pay 33 to 34 months and her student loans would be forgiven but 

that didn't' happen. Consumer stated they first called her. Consumer stated she paid 

them monthly out of her bank account. Consumer wants to cancel and to get a refund.

Ortiz Attachment A - 164

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 165 of 511
Page 165

# Reference Number Complaint Date Company Name Complaint Info Comments

784 97597928 07/09/2018 Ameritech

I recieced a call from Ameritech shortly after I was informed that all my tax return 

money from 2017 which was about $5000 had beet taken by the government and 

applied to my student loan. At the time my husband was out of work due to a seriouse 

infection in his neck which required surgery and out new born son had recently passed 

away due to complications during his birth. Needless to say we were and still are in a 

very difficult place financially. Ameritech offered to help me get out of default with my 

student loans and my payments which were suposed to be $614 a month (a sum I 

simply could not pay) would only be $162. So far they have followed through on 

everything they have told me however, I recently recieved notice that there has been a 

lawsuit filed against them by the FTC. Ameritech has also claimed when i called them 

have filed multiple suits against the FTC before this lawsuit was filed against them. At 

this time i am hearing a lot of controdictions and am unsure what to do.

785 97597997 07/09/2018 Ameritech Financial

Ameritech promised to reduce my student loan payments and manage my 

correspondence with my loan servicer, Fed Loan Servicing. At first they attempted to 

get me to add ten dependents which i refused to do because it seemed wrong to me. i 

wound up adding two dependents for my two unborn children. They told me I would 

pay two payments of $600 and then $99 per month after that. In return they would 

submit all of my income verification and necessary reports for my loan forgiveness 

program as well as making the payments for me. About 8 months later I noticed none 

of my documents pertaining to my employment vwrification had been uploaded or 

applied to my fedloan account. i called and demanded my money back. they gave me 

to a manager who insisted he would fix the problem. i continued paying them. i 

received a letter from FTC regarding tje lawsuit against ameitech. i called to cancel 

today. i was given an answering service who said someone would be contacting me 

back shortly to cancel my account.

786 97598110 07/09/2018 Ameritech Financial

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

reports that he was promised to consolidate his loan paying of his student loan. 

Consumer has became aware that payments made to Ameritech Financial have not 

been going towards her loan. Consumer has paid $100/month debited from his debit 

account for about 2 Years.

787 97604527 07/09/2018 Ameritech

Consumer received a letter from FTC, about Ameritech, being accused of deceptive 

practices. Consumer has been billed since 2016. Consumer found out that they weren't 

paying her loans.

788 97604586 07/09/2018 Ameritech

Consumer rcv'd a letter about FTC v. Ameritech Financial. Consumer has been paying 

Ameritech Financial every month to resolve their student loans, but Ameritech has not 

been fulfilling the terms of the contract. Consumer agreed to a contract of 36 months 

at $135/mo.

Ortiz Attachment A - 165

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 166 of 511
Page 166

# Reference Number Complaint Date Company Name Complaint Info Comments

789 97604650 07/09/2018 Ameritech

Consumer rcv'd a letter about FTC v. Ameritech Financial. Consumer has been paying 

Ameritech Financial every month to resolve their student loans, but Ameritech has not 

been fulfilling the terms of the contract. Consumer agreed to a contract of 120 months 

at $173/mo, and was supposed to renew every year at a lower. UPDATE 7-9-2018 

Consumer is calling to get another copy of the letter. He was told that we could not do. 

790 97604785 07/09/2018 Ameritech

I was contacted by a rep from Ameritech that said they could consolidate my student 

loans and if I paid $88./month I would essentially pay off my student loans in 2 1/2 

years. I received a letter today in the mail stating that Ameritech is being sued for 

deceptive practices and at this point, I'm out $264 that I would like to get back. I have 

since closed the bank account that Ameritech had so they can no longer charge me, 

but I would like a full refund and I would like to know how to go about getting one. I 

have all necessary documentation to prove what money I am out etc so please advise 

as to how I can get my money back. Thank you.TOPIC:Referrals

791 97604828 07/09/2018 Ameritech Financial

Consumer received a letter in the mail from the FTC regarding the lawsuit against 

Ameritech Financial. Consumer stated that she has been paying them for debt 

consolidation, she has paid about $1,200 to the company. Consumer stated none of 

this money has went towards her student loan payments. Company website: 

http://www.bbb.org/sacramento/business-reviews/financial-services/ameritech-financialin-el-dorado- hls-ca-90022636.

792 97604857 07/09/2018 Ameritech Financial settlement

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

reports that she was promised to consolidate her loan paying of her student loan. 

Consumer was not able to pay and states that they were charging $99/month for 3 

Month.

793 97604861 07/09/2018 Ameritech Financial

Consumer is calling on behalf of her husband. Consumer received a letter in the mail 

from the FTC regarding the lawsuit against Ameritech Financial. Consumer stated that 

he has been paying them for debt consolidation, he has paid about $5,184 to the 

company. Consumer stated none of this money has went towards his student loan 

payments. Company website: http://www.bbb.org/sacramento/businessreviews/financial-services/ameritech-financial-in-el-dorado- hls-ca-90022636.

794 97604874 07/09/2018 Ameritech Financial

Consumer calling to report that he received a letter from the FTC about the Ameritech 

Financial. Consumer has been with them for about 3-4 years with this company. 

Consumer states he has sent them some money roughly $5000 by them taking $250 a 

month out of his account. Consumer states they had contacted him by phone and mail.

795 97604899 07/09/2018 Ameritech

I was contacted by an ameritech representative back in 2016. i couldnt afford my 

student loan payment at the time due to injury, and they convinced me to give payment 

to start my loan forgiveness.

Ortiz Attachment A - 166

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Page 167

# Reference Number Complaint Date Company Name Complaint Info Comments

796 97604928 07/09/2018 Ameritech financial I've notice none of the money i paid to ameritech is not going towards my student loan. 

i knew something was up, when one point i was paying ameritech and my students 

loans at the same time. so where is my hard own money that i worked for going to.

797 97604959 07/09/2018 Ameritech Finacial Consumer states that she wanted to make a report against Ameritech because she 

was also part of the scam.

798 97605043 07/09/2018 Ameritech Financial

Consumer has rec'd an FTC v. Ameritech Financial. Consumer states that he has 

contacted Ameritech Financial and has asked for a refund and cancel his membership. 

He is being denied a refund by the company because of the work he has done for his 

client. He was told that if he paid a certain amount for 10 years his student loan would 

be forgiven. He has submitted multiple paperwork by email to the company and they 

have not accepted it. The name changed to a different name for several months.

799 97605143 07/09/2018 Ameritech Financial

Ameritech Financial called me after I clicked on a link on Facebook which advertised 

student loan forgiveness. The Ameritech representative assured me that the types of 

loans I had were not currently eligible for the 10-year, 120 payments loan forgiveness. 

If I paid them $840 they would do the required paperwork, manage my payments, and 

assured that I would be enrolled with the loan forgiveness program. I then gave them 

access to my federal student loan account where they put me in forbearance until my 

$840 fee was paid in full. They also requested bank statements, tax returns from the 

previous two years, and employment verification. Five bank transfers of $168.00 were 

made on either the 14th or 16th of each month, October 2017-February 2018. Since 

then, Ameritech has determined that my income requires me to pay a "qualifying 

payment" of $0.00 each month. I called them in March when my first "payment" of 

$0.00 was being applied to my student loan, the representative assured me that it was 

a payment, determined by my income, and was counting toward my 120 qualifying 

payments for eventual loan forgiveness.

800 97605363 07/09/2018 Ameritech

Consumer stated he got a letter from FTC about a lawsuit with Ameritech. Consumer 

stated that someone contacted him to consolidate his student loans, and he has paid. 

Consumer stated he wanted information about the class action lawsuit. Consumer 

does not know how much money he sent them.

Ortiz Attachment A - 167

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Page 168

# Reference Number Complaint Date Company Name Complaint Info Comments

801 97610556 07/09/2018 Ameritech Financial

Consumer states that he received a notice in the mail in regards to the FTC Suit 

against Ameritech Financial. Consumer began his membership early 2017 in January 

or February. Consumer states that in total he has sent 2300 dollars to Ameritech. 

Consumer has contacted Ameritech via the number in the FTC Letter and requested a 

refund and a cancellation of the membership but has received a response stating that 

they are being bullied and unjustly pursued by the FTC. Consumer was never offered a 

refund or given confirmation of cancellation of membership.

802 97610734 07/09/2018 Ameritech financial 

i received a post card in mail more than once before i gave ameritech financial a call 

about student loan forgiveness program. i was needing a cheaper payment and help to 

get rid of my student loans. so i signed agreement with ameritech to make 120 low 

monthly payments and in 10 years my debt would be forgiven not knowing the monthly 

payments i made was not going towards my student loan balance. i notice my student 

loan balance was increasing so i contacted ameritech with concerning questions. but 

they insured me thats how program works pay less so whatever balance is left over it 

would be forgiven. i thought it was odd when ever i would call they knew who i was just 

by my phone number didnt have to give them any information they knew me by name 

everytime i would call. it is sad there are people and so called companies out in world 

like ameritech taking advantage of people who are actually trying to do right and pay 

their debt

803 97610796 07/09/2018 Ameritech financial

i was contacted for student loan forgiveness via mail initially then email & phone due to 

my loans being over 55,000. they said i pay them initially around $300 per month for 

first 3 months then it went down to $200 for a few months & finally down to $120 for the 

remainder & to this day & after i pay them for 10 years, it equals to about $30,000 & all 

the rest is forgiven (about $26,000). they moved my loan servicer provider to Nelnet & i 

checked if any payment was made and it shows nothing except my loan has gone up in 

interest & has been in forbearance

Ortiz Attachment A - 168

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# Reference Number Complaint Date Company Name Complaint Info Comments

804 97610915 07/09/2018 Ameritech

I was contacted by Ameritech Financial in October 2017 towards the beginning of the 

month. I was contacted by Lauren Gilkison, 916-526-0296 

lauren.gilkison@ameritechfinancial.com, regarding my student loan debt. She claimed 

to me that she uses the service herself, and described her lowered payments, benefits 

of the program including monetary rewards for referring people, and went through a 

detailed explanation of how my payments will be processed and go towards my student 

loans. I received emails from Lauren including paperwork for me to sign electronically 

as well as documents for me to print out and fax to her at 866-818-9026 including 

official W-2, 1040 Federal Tax Return, voided check for my checking account, 

paystubs for the past 30 days, the Public Service Loan Forgiveness (PSLF) 

Employment Certification Form, Income-Driven Repayment (IDR) Plan Request, 

General Forbearance Request, and a couple of Authorization for Release of 

Information forms. Each of these forms that I faxed to her, she instructed me via email 

and verbally to not write the date on any of these forms. I have hard copies of all the 

paperwork I faxed as well as their confirmation sheets. Lauren also told me I would be 

contacted by someone with the Financial Education Benefits Center (FEBC) to set up 

my account. I received an email from Lorenzo Lemos with customer service via 800-

953-1388 to sign up so that they will be able to coordinate the payments towards my 

student loans with Reliant Account Management P.O. Box 337 East Irvine, CA 92650 

www.ramservicing.com 877-859-1450. I was given a rate of $108.00/month, which is 

drafted automatically from my account on the 4th day of each month. Ameritech 

Financial sent in a separate email I have saved regarding my "welcome packet" in 

which, toll free, 800-791-8621 ext 0 I could call, and 888-334-6281 to "ensure your 

complete satisfaction". I am capable of providing bank statements proving the money 

was drafted or any additional information as needed.

805 97611012 07/09/2018 Ameritech financial 

ameritech has charged 99 dollars a month plus up front cost to get me in loan 

forgivness and reduced payments for about 3 years now. i don't know what this will do 

to my student loans any help you can give would be great thanks

806 97611021 07/09/2018 Ameritech Financial

I have received a notification in the mail, that states. That I have been paying fees for 

something that is supposed to be free. In addition to that, the monthly payments have 

been making to Ameritech Financial for my student loans have not been going to my 

loans, as I was promised. Therefore, I would like to know where my money has been 

going and I would like to cancel my membership with this company. I trusted these 

people and they completed lied to me. I never understood why they needed my tax 

information and my current pay stubs.

Ortiz Attachment A - 169

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Page 170

# Reference Number Complaint Date Company Name Complaint Info Comments

807 97629867 07/09/2018

Ameritech Financial|Ameritech 

Financial|The Art Institute of 

Michigan

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: Started May 2 2016 to July 9,2018Tried to get my 

loan reduced or removed. This company said they could help! I gave all my 

information; was under the impression that my loan would be would be reduced and at 

a certain point, it would be written off, if it wasn't paid off; in so many words! To get 

started I would pay a $99.00 application fee, and then they calculated a payment of 

$207.00 for 6 months which ended up being 9months! At that time payments, were 

switched to a lesser amount $99.00 till paid off!! I have made 24 payments, lots of 

money, my loan has not gone down! It was time for paperwork renewal, they called and 

emailed, three times and when I questioned them about the $99.00 a month, I was told 

it was fees, and it was part of things discussed in the paperwork! He said I should read 

it again! And would not give me a direct answer, to where my money was going! A 

week later I received a letter, stating this company is being investigated by the Federal 

Trade Commission! I will be calling them to cancel account and ask for a refund! --- 

Fair Resolution: I would like a refund of 3,348.00. This is the amount I have paid from 

May 2016 to present. I work hard for what I have. It is not fair companies take 

advantage of people! please stop them and make it right , please! Thank you! --- 

School Unit ID: --- School OPE ID: 

808 97630031 07/09/2018 Ameritech Financial|Ameritech 

Financial|Longwood University

CFPB Issue Type: Dealing with your lender or servicer | Don't agree with the fees 

charged --- What Happened: I consolidated my loans with a company called Ameritech 

Financial and signed up on 9/12/16. They started charging me fees on 10/17/16 and 

told me that these payments would go towards paying down my loan. They told me if I 

kept paying through them for 25 years that whatever I had left to pay on my loans 

would be forgiven. I paid them all the way up until June of 2018 and they charged me a 

total of $2967. The FTC sent me a letter stating the company was a fraud and was not 

paying our loans. I went to log into my loan service provider Nelnet and saw that they 

had not made any payments on my behalf, but just simply put a forbearance on my 

account. I called them today July 9, 2018 to cancel my account with them and they said 

they will get customer service to call me back within 48 hours. --- Have contacted: CC 

Issuer --- Fair Resolution: I would like a full refund of all the $2967 that they have 

charged me. I believe this is fair because they made fraudulent claims saying they 

would pay the money towards my student loan account balance, but instead kept my 

money for their own revenue. --- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 170

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Page 171

# Reference Number Complaint Date Company Name Complaint Info Comments

809 97630052 07/09/2018 Ameritech Financial|Ameritech 

Financial|Full Sail University

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I HAVE BEEN PAYING AMERITECH SINCE MAY 

OF 2017...THINKING THAT THEY WEREHELPING ME, I THOUGHT THEY WERE 

PAYING MY FEDERAL LOAN, BECAUSE THAT IS WHAT I WAS TOLD IN THE 

BEGINING. I HAVE BEEN PAYING THEM 108 DOLLARS A MONTH UNTIL I 

RECEIVED A LETTER FROM FTC... I HAVE NOT RECEIVED ANY HELPOR 

SERVICES TOWARDS MY FEDERAL LOAN...I FEEL SO STUPID I REALLY 

THOUGHT THEY WERE HELPING ME PAY MY LOAN...I DONT KNOW WHAT TO 

DO NOW I HAVE GIVEN THEM SO MUCH MONEY FOR NOTHING. --- Have 

contacted: CC Issuer --- Fair Resolution: I HAVE CALLED AMERITECH TO CANCEL 

AND REQUEST REFUND WITH NO AVAIL. THEY PUT ME ON A 3 DAY WAITING 

LIST. SO I CANCEL AND BLOCKED PAYMENT FROM MY BANK SO THAT THEY 

CANNOT CONTINUE TAKING MONEY OUT. BUT WOULD REALLY WANT A 

REFUND SO THAT I CAN PUT TOWARDS MY LOAN.THANKS --- School Unit ID: 

 --- School OPE ID: 

810 97630701 07/09/2018

Ameritech Financial|Ameritech 

Financial|Kentucky State 

University

CFPB Issue Type: Dealing with your lender or servicer | Don't agree with the fees 

charged --- What Happened: Started in Oct. 2016 with $227 payment to Ameritech. 

Then I paid $209 for the next 10 months and I have been paying them a $99 a month 

"service fee" ever since. --- Fair Resolution: Repayment of the money that should have 

not been paid to Ameritech. --- School Unit ID: --- School OPE ID: 

811 97066509 07/10/2018 Ameritech Financial [FEBC]

On Sept 14, 2014 Johnny Abdi called me trying to see if I wanted to fix my student 

loan.for a fee of 88 dollars he would help me pay my student loan but after paying them 

88 dollars 6 months, after that(which march 2017 I would finish pay them for the 

service charge .I would have to pay my loan of 20 dollars to student loan separated.So 

from Oct 2017 till june2018 they where still taken money from my saves from the bank.

812 97358350 07/10/2018 Ameritech

The consumer reports that he received his letter and wants to know what the situation 

is with Ameritech. The consumer reports he used this company for his student loans. 

The consumer reports they weren't paying towards his student loans. The consumer 

reports he has sent them a decently large sum of money. UPDATE 07/10/2018: The 

consumer wanted to add information on how much he paid. The consumer paid a total 

of 1900 via debit card. -

813 97358663 07/10/2018 Ameritech

Consumer is calling saying she had received a letter from the FTC about Ameritech 

and she wants to file a complaint against them. Consumer says she had canceled and 

they did not cancel her membership but kept harassing her to pay them.

Ortiz Attachment A - 171

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# Reference Number Complaint Date Company Name Complaint Info Comments

814 97563660 07/10/2018 Ameritech

Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate she has been a customer since 2016 and is paying $108 

month and payment was drafted out of his account. Consumer indicates she is not 

longer paying for the loan. UPDATE 07/10/2018: Consumer stated that she called the 

number provided for the refund and they refused to give her money because the paper 

work was processed. 

815 97605271 07/10/2018 Ameritech Financial

Consumer reports that she is a victim of the Ameritech Financial. Consumer says as 

soon as she finished school they began to contact her offering assistance to pay off 

her student loans. Consumer says they began to offer her there services and get her 

on a payment plan. Consumer paid about 1 year worth of payments of $99 each. 

Consumer later found this to be suspicious. Consumer received letter from the FTC 

about the lawsuit with Ameritech Financial. UPDATE:7/10/2018 Consumer stated she 

received a phone call back from Ameritech. They told her that they will not giver her a 

refund and yelled at the consumer. they told her that we have been paying her student 

loans. consumer did provide a new phone number to the report. 

816 97614239 07/10/2018 Ameritech Financial

I was looking for assistance to pay off my graduate loans. I conducted research on the 

company and didn't see any negative reviews so I decided to allow them to assist me. 

They told me that they had up front administrative fees that they billed monthly on top 

of my payments toward my student loans. That was for a year. They asked for my 

Federal Loan password in order to take over responsibility for the payment of my loans. 

They had my loan go into default in order to establish a needed repayment status. 

Each year they ask for my updated information. They have established a monthly debit 

of $99 from my checking account and stated that my loan will be paid off in 10 years.

817 97614242 07/10/2018 Ameritech The consumer hired Ameritech to help consolidate his loans. The consumer was under 

the impression his payments were going towards his student loans.

818 97614281 07/10/2018 Ameritech

Consumer received a letter from FTC vs Ameritech. Consumer had received a 

postcard in the mail and she called up about their services. She was told that her 

payments could be lowered. She was told that she make her payment and a monthly 

fee of $130 for the first year and then $99 each month after.

Ortiz Attachment A - 172

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Page 173

# Reference Number Complaint Date Company Name Complaint Info Comments

819 97614315 07/10/2018 Ameritech Financial

I read about several potential services for financial counseling with student loan debt 

online and called Ameritech to find out more info about their services. The 

representative I reached avoided my questions about services costs saying “don’t 

worry about that” as he gathered info about my loan circumstances and informed that 

Ameritech would be able to lower my payment to $0/month and gauruntee loan 

forgiveness after 120 payments of $0 regardless of my potential to change employer in 

the future. I was unaware there would be a charge for their services until a bank 

transfer occured approximately one month later to a third party company I had not 

heard of before. I contacted Ameritech again and learned more direct info about their 

service charges (about $800 initial fees with $99/mon payment), at which point I was 

told if I withdrew enrollment it may negatively impact my ability to enroll in incomebased repayment plan. I learned in early 2018 that loan forgiveness plans were not 

being honored consistently and decided to cancel services as I had been misled about 

my elligability and certainty about this program.

820 97614346 07/10/2018 Ameritech Financial

Consumer received a letter from the FTC about Ameritech Financial. They promised 

her forgiveness on her student loans but didn't do so. Consumer stated the whole time 

she was involved with Ameritech she thought they were part of the Department of 

Education. Consumer stated she gave out all of her personal information. Consumer 

stated they kept asking her to send more information all the time because they told her 

they never received it. Consumer paid monthly fee of $100 a month out of her bank 

account. Consumer stated she received a post card in the mail from them.

821 97614358 07/10/2018 Ameritech Financial

Consumer rcv'd a letter about FTC v. Ameritech Financial. Consumer has been paying 

Ameritech Financial every month to resolve their student loans, but Ameritech has not 

been fulfilling the terms of the contract. Consumer agreed to a contract of 300 months 

at $101/mo for the first 33 months, $69/mo for the remainder of the contract. She 

called on 7/9/18 to cancel.

822 97614447 07/10/2018 Ameritech Financial

consumer received a letter from FTC about a lawsuit from Ameritech Financial. 

Consumer stated they send her a card in the mail and she called them. Consumer 

stated they were going to forgive her student loan but it didn't happen. Consumer 

stated they took the money out of her bank account every month.

823 97614513 07/10/2018 Ameritech Ameritech Complaint: Consumer had approximately $4750 taken from his bank 

account by Ameritech who provided no service.

824 97614558 07/10/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

Ortiz Attachment A - 173

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# Reference Number Complaint Date Company Name Complaint Info Comments

825 97614584 07/10/2018 Ameritech Financial

This company charged me a fee of $250+ for initial costs and told me that after that I 

would be charge $99/month for 10 years and my loan would be forgiven because I 

work in public health. After receiving information of this lawsuit, my fedloan account 

shows well over$600 in past due interest. I have slo attempted to contact Ameritech 

Financial to cancel my membership and obtain a refund. I was told I would be put on a 

list to speak with someone several times with no response, I was even hung up on 

when attempting to speak with someone.

826 97614593 07/10/2018 Ameritech Financial AMERITECH COMPLAINTS: The consumer rc'd the Ameritech letter from the FTC. 

The consumer paid them $2500.00. The promised to have the consumer loan paid off.

827 97614638 07/10/2018 Ameritech Financial

Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate she has been a customer since 2016 and is paying $99 

month and payment was drafted out of her account. UPDATE: 7/10/18 Consumer 

asked will she receive updates, advised to go to ftc.gov for updates.

828 97614672 07/10/2018 Ameritech Financial

I enrolled with this company in May 2017. They were to help me get approved for lower 

monthly payment for my student loans, and for forgiveness after 10 years of payment, 

as I am an RN for a non profit organization. They have taken over $2000 out of my 

bank account to this point and I just found out this week that they haven't paid anything 

at all to my loan servicer for my student loans. I have called and emailed them multiple 

times and am getting no response. Other-Other Update

829 97614690 07/10/2018 Ameritech Consumer is calling to file a complaint on Ameritech Financial. Consumer was with the 

company since 2015 and has paid $2000.00.

830 97614720 07/10/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

831 97614797 07/10/2018 Ameritech Financial

Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate she has been a customer since 2017 and is paying $82 

month and payment was drafted out of her account.

832 97614830 07/10/2018 Ameritech Financial

Consumer states that he received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. He has been paying them on a monthly basis in the amount of 

$132. He has been with them since June of 2017 and he has paid them a total of 

$1550. He noticed that they were not paying off his loans.

833 97614867 07/10/2018 Ameritech Consumer is calling to report that he received a letter from FTC v Ameritech Financial. 

Consumer was with the company since 2017 and has paid $2,096.00.

834 97614901 07/10/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$3636 over the course of two years.

Ortiz Attachment A - 174

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# Reference Number Complaint Date Company Name Complaint Info Comments

835 97614953 07/10/2018 Ameritech Financial

 

called the number and spoke with a representive by the name of Kerri Travors who 

worked for Ameritech Finacial. After giving her some information about myself she 

came back with a number of what I qaulify to pay each month for my student loans. 

This was 2 years ago, I believe the number she told me was $270 and that after a 

certain amount of payments that amount would drop down to $200. At the time I was 

under the impression that this payment was towards my student loans. After makng the 

first payment I called to cancel becuase I could not afford that payment. When I tried to 

cancel they offered me a deal to pay $99 instead, so I took it because it was more 

manangeable for me. I would receive emails from fed loan servicing about my 

payments and my account being in good standing. But after about a year of making the 

payments to Ameritech, I got an email saying my federal loan payment was past due. I 

called Ameritech to figure out why my payment was not being made and thats when I 

find out the $99 I pay them was not toward my student loan but for some prorgam they 

offer that gave me acess to benefits I did not need and that my student loan payments 

had to be made directly by me. I asked to cancel the service and they did at the time. 

But then I got a phone call from them saying they could not cancel my service because 

they waived my fees in the beginning, thats why I was only paying $99 and I still need 

to pay them for the work they did on my account. After going back and forth with them 

telling them I could not afford to make a payment to my loans as well as them, they 

allowed me to pay them $48 a month to pay off the 1000 or more dollars I owe them for 

the work they did. I am frustrated becuase had I known they never planned to make my 

payments in the first place and I was just paying them for services I could have gotten 

for free, I never would of signed up with them. Now I'm stuck paying them money every 

month after I feel like I was given false information in the first place. They claim they 

tell you in the beginning that they dont make they actual payements but just prepare 

documents and file paper work for your loans, but that was not at all the impression I 

got when I first contacted them. I left it alone and just made my payments because I 

thought I must have mis heard them in the beginging but I always felt bamboolzed my 

them. When I received the letter about the lawsuit and read other complaints I realized 

I felt tricked by them becuase I actually was and it was not becuase I misunderstood. I 

feel like its false advertisement on their part and I should me refunded at least some of 

Ortiz Attachment A - 175

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# Reference Number Complaint Date Company Name Complaint Info Comments

836 97622371 07/10/2018 Ameritech Financial 

Desmond promised that my enrollment in their program would greatly reduce the 

interest and balance owed on my student loans. Before completing the transaction I 

called Fed Loans to qualify Ameritech's affiliation with the Federal Government. Fed 

Loans informed me that no such programs exist, so I did not communicate further with 

Ameritech. They emailed me several times requesting additional documentation in 

order to process my application. I did not return the documents; however, they debited 

my account. As a result, I have called several times to cancel and request a refund and 

recently got hit with a huge loan payment. Months of fees and interest have accrued 

and I appear to be delinquent. please help me to recover my losses and restore my 

credibility. Thank you. Other-Other Update

837 97622481 07/10/2018 Ameritech Financial

Consumer calling to report that she is received a letter from the FTC about the about 

the Ameritech Financial lawsuit. Consumer was contacted to by Ameritech they offered 

to pay off her student loans, they started taking out $85 a month for the past year in a 

half.

838 97622500 07/10/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$2073 over the course of one year.

839 97622609 07/10/2018 Ameritech Financial

Consumer reports that she is a victim of the Ameritech Financial. Consumer says as 

soon as she finished school they began to contact her offering assistance to pay off 

her student loan. Consumer says they began to offer her there services and get her on 

a payment plan. Consumer paid about 4 payments of $88 each totaling to $352. 

Consumer later found this to be suspicious. Consumer received letter from the FTC 

about the lawsuit with Ameritech Financial. Consumer also provided personal 

information including SSN.

840 97622692 07/10/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

Ortiz Attachment A - 176

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# Reference Number Complaint Date Company Name Complaint Info Comments

841 97622824 07/10/2018 Ameritech Financial

I recieved correspondance from Ameritech Financial about reducing/loan forgiveness 

program and I responded. We reviewed the payment options to basically reduce my 

studnet loan debt by a significant amount. At the time my position at my company was 

eliminated so I was happy for the assistance. I verified their information as much as I 

could and seeing how they had access to my FedLoan Account I assumed that they 

were a solid company. They sent me the forms to fill out and guided me with the 

process and even helped me change my access to my FedLoan Account. The 

monthly payments started coming out of my account in July 2016. At one point I called 

to ask why I wasn't getting any statments and they said they only send out if requested, 

I requested but only received one, but didn't think much about it after that. According 

to the plan I would pay $157.00 for 20 months then $99.00 there after for a total of 

$28,560.00 to date I have paid $3,358.00 I have even referred others to the company 

because I assumed everything was going well until I received the letter from the FTC 

stating that the company is a scam.

842 97623067 07/10/2018 Ameritech

The consumer reports she received a call from Ameritech. The consumer reports she 

signed up for them to get her payments reduced. The consumer reports they charged 

her a $100 free up front and $100 a month. The consumer reports that she sent them 

$300. The consumer reports that she checked on her loan and they stated it wasn't 

legit. The consumer reports the funds were taken out of her banking account and they 

refused to refund her.

843 97623130 07/10/2018 Ameritech Financial

Consumer is calling to report that she received a notice on 07/05/2018 from the 

Ameritech Financial about her getting a refund, She would like to know if she will get it 

any time soon. She has been paying for two years around $ 85 dollars a month total 

around 1,955. No further information was provided.

844 97623176 07/10/2018 Ameritech Financial

Consumer rcv'd a letter about FTC v. Ameritech Financial. Consumer has been paying 

Ameritech Financial every month to resolve their student loans, but Ameritech has not 

been fulfilling the terms of the contract. Consumer agreed to a contract of 15 months 

at $235/mo for the first 8 months, $99/mo for the next 7 months, and then her loans 

would be forgiven. Ameritech had falsified information on her application, claiming that 

she had eight dependents, when she doesn't have any. She cancelled in May 2018 

after learning about the suspicious activity.

845 97623225 07/10/2018 Ameritech Financial

Consumer received a letter from FTC. Consumer states the letter was referring to the 

Ameritech Financial, Financial Education Benefits Center (FEBC). Consumer states 

they are falsely claiming the consumer was eligible for federal programs that would 

permanently reduce their monthly debt payments to a fixed low amount or result in total 

loan forgiveness. Consumer states she has received $600 from them. Consumer 

states she has lost $1500.

Ortiz Attachment A - 177

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# Reference Number Complaint Date Company Name Complaint Info Comments

846 97623252 07/10/2018 Ameritech Financial

The consumer is calling about Ameritech Financial. The consumer did business with 

them and paid about 2,400 dollars during the course of 2 years. Consumer received 

the FTC letter.

847 97623277 07/10/2018 Ameritech Financial 

I recieved a post card from Ameritech Financial for aid with my student loans. They 

have been debiting 173.00 since 10/17 a month thst is supposedly going to paying 

back my student loans but I received a letter from the FTC stating its a fraud. in 7/18 

Other-Other Update

848 97623327 07/10/2018 Ameritech Financial

Consumer is calling to report that she received a letter from the FTC about Ameritech 

Financial. Consumer states she received a letter from Ameritech stating that they could 

consolidate her student loans. Consumer called and signed up for their services. 

Consumer was to pay 173 dollars a month for 14 month and then 99 dollars a month 

after that. Consumer has paid a total of Unknown dollars through her checking 

account.

849 97628462 07/10/2018 Ameritech Financial

Consumer received a letter in the mail regarding Ameritech, consumer received a 

notice in the mail from Ameritech, called an set up a forgiveness loan program which 

she was paying 243 a month.

850 97628656 07/10/2018 AmeriTech Financial 

I was contacted with a letter from AmeriTech Financial with a letter on blue paper. 

They offered debt relief and lower payments for student loans. In addition, the letter 

promised to shorten the life of my student loans. The letter listed contact information to 

speak on the phone with a counselor, which I did. Unfortunately, I signed up with the 

agent, at payments of 82$ monthly beginning in October 2017. It really sounded too 

good to be true, but at the time I no longer employed full time and was severly 

underemployed and desperate to get my loans under control. From that phone call, I 

also received emails asking for esignatures. I then began receiving text messages on 

the 3rd or 4th of each month that their payment processor, Reliant Account 

Management (RAM) servicing would be drafting my payment of $82 within a day or 

two. I have made 9 months worth of payments. Upon receipt of the letter from Federal 

Trade Commission, I contacted my bank and marked this agency fraud. My bank 

placed an immediate stop payment on these drafts and flagged the account for follow 

up. I was contacted two days later by AmeriTech reminding me of my upcoming 

payment. Fortunately, my bank did not release the funds, but now I am getting emails 

daily about the missed payment. I have attempted to contact AmeriTech by phone, but 

I am placed on hold for hours on end. I have sent an email to AmeriTech customer 

service detailing the fraudulent experience, and I have requested a refund. I am quite 

anxious to see a resolution to this issue.

Ortiz Attachment A - 178

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Page 179

# Reference Number Complaint Date Company Name Complaint Info Comments

851 97628659 07/10/2018 Ameritech Financial

Consumer is calling on regards to a letter received by the FTC about Ameritech 

Financial. Consumer reports that Ameritech Financial have promised to enroll 

consumer into a government program that they claimed would permanently lower 

monthly student loan payments for a loan forgiveness. Consumer reports that he has 

been paying $100 a month towards the loan. Consumer reports that he called 

Ameritech Financial for a refund and was instructed to leave a message and they 

would call back.

852 97628727 07/10/2018 Ameritech Financial The consumer received the FTC letter about Ameritech Financial. Consumer had 

cancelled the service about a year ago and was told by Ameritech Financial that she 

was not eligible for a refund. Consumer was told she had to cancel within 30 days.

853 97628737 07/10/2018 Ameritech The consumer hired Ameritech to help consolidate her loans. The consumer was 

under the impression that her payments were going towards her loan.

854 97628823 07/10/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

855 97629252 07/10/2018 Ameritech Financial

Husband is calling on behalf of his wife: Consumer states that she received a letter 

from the FTC regarding a lawsuit against Ameritech Financial. She signed up with 

them back in 2016. She has paid them $109 a month, but in the beginning it was 

around $300. She has paid them about $3000 roughly. Later her husband told her 

that the payments were not going to her loans. She requested a refund, but they 

denied it.

856 97629260 07/10/2018 Ameritech Financial

Consumer is calling to let us know that he received a letter on 07/10/2018 from FTC 

about the Ameritech Financial Law Suit, He stated he has paid the amount $ 700 so 

far. No further information was provided.

857 97629262 07/10/2018 Ameritech Financial

Consumer states that he received a letter in regards to the Ameritech Financial in 

regards to the Lawsuit against them. Consumer began his payments for his 

membership with Ameritech in January of 2018 totaling about 410 dollars in payments 

since then. Consumer has not called Ameritech yet.

858 97629320 07/10/2018 Ameritech Financial

Consumer received a call from Ameritech Financial offering to assist with student loan 

debt forgiveness. Consumer complied and now states they have been alerted by a 

letter from the FTC that the money paid to the company has not gone to paying their 

loans. Consumer has paid the company a total of $4,716 by bank account debit. 

Consumer confirmed with their loan servicer no payment had been made. Consumer 

contacted the company for a refund per instructions in the letter from the FTC and was 

told this information was available to the consumer at the beginning of the contract. 

Consumer reports this is not true.

Ortiz Attachment A - 179

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Page 180

# Reference Number Complaint Date Company Name Complaint Info Comments

859 97629325 07/10/2018 Ameritech Financial

AMERITECH FINANCIAL - Consumer received a phone call from someone telling her 

that if she worked for a school her loan payments for school could be forgiven after 2 

years. Consumer signed up with them, and after 2 years, she got notification from the 

DOE that none of her payments to this other company have been going towards her 

debt. Consumer tried to cancel her membership and it did not work. They kept taking 

money from her account. Consumer had to close out her back account to stop them. 

Consumer said this was very deceiving. Consumer called them and asked for a refund, 

they refused to give it to her.

860 97629333 07/10/2018 Ameritech

Consumer called to report that she received a letter in the mail from the FTC regarding 

Ameritech. Consumer states that she has paid approximately 2300 dollars to 

Ameritech which was supposed to go for student loans.

861 97629342 07/10/2018 Ameritech Consumer states that he attempted to sign up with Ameritech but he never paid. 

Consumer wants to know what he should do what to do with the letter.

862 97629350 07/10/2018 Ameritech

Consumer received a letter from Ameritech. Consumer received a phone from the 

company about help with his student loan. He was given a 7 days to cancel if he was 

not happy with the service which he did.

863 97636975 07/10/2018 Ameritech Financial

consumer calling stating that she received a letter from Ameritech Financial stating that 

the company failed to deliver on their promises to enroll people into government 

program that they claimed would permanently lower month loan payments.

864 97636992 07/10/2018 Ameritech Financial

When I was contacted by Ameritech, I was told the money I paid would be going 

toward my student loan, but instead of paying hundreds of dollars, I would only have to 

pay $99.99 a month. I was contacted again last month by the company and asked how 

much had been paid toward my loan. They were unable to answer my questions. I 

asked for a printed form to be sent to me, and when I found the procedure to 'drop out' 

of the agreement I sent the letter and told them I know longer wished to continue with 

them. This was sent on June 13, 2018. Then on July 7 I recieved a message on my 

phone that the company was under investigation

865 97637046 07/10/2018 AmeriTech Financial

Ameritech Financial contacted me about paying on my student loans by email. I 

contacted them back and they told me they would help on behalf of my loans fir $173 a 

month. I agreed on the premise that they were legit. At least they sounded legit. about 

3 months ago, however, I have switched to a different company that is asking i pay 

only $30 a month. The other main difference between ameritech and the company im 

with now, is that my credit score now reflects that my student loans are being taken 

care of. Other-Other Update

Ortiz Attachment A - 180

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Page 181

# Reference Number Complaint Date Company Name Complaint Info Comments

866 97637113 07/10/2018 AmeriTech Financial 

I was promised to lower my payments and in oeder to do that, i had to sent them $1207 

Prep FeeDeposit/ Balance $1207.00, $8.00 transaction feeBalance$1199, $ 99.00 

FEBC monthly customer fee/Balance $1100, $ 100.00 FEBC Enrollment fee/balance 

$1000. Grand total $4506.00. I paid $ 1207and $ 100 upfront and the folloing month i 

paid $108 monthly to Global Client solutions for over a year. I also made payments to 

US Department of Education/FEDLOAN servicing the amount of $362.29 and now im 

paying $451.43. I signed up for loan forgiveness because i'm a teacher but the 

depatment of education has no record of that. I'm very frustrated because there is no 

one out there to tell me the truth about paying this loan back as it continues to go 

up.TOPIC:Referrals

867 97637150 07/10/2018 Ameritech Financial

I initially got a phone call and about loan forgiveness from Ameritech and I was with 

another loan company at the time. Wish I would have stayed with them now. Ameritech 

asked to pay I think $256 in the beginnning and then monthky payments of $108 

monthly which I have been doing for about 18 months now maybe more. I received this 

letter and I am furious that payments aren't going to my student loans. Calling 

Ameritech now to try to get a refund! --- 

868 97637372 07/10/2018 Ameritech Financial I have been paying this company for two years now and I'm worried that my student 

loans are going to suffer and I wont be able to get my family back on track.

869 97637398 07/10/2018 Ameritech Consumer calling about the letter she rcv'd from the FTC vs Ameritech. She wanted to 

know if the letter was real. Informed her the letter was real.

870 97637428 07/10/2018 Ameritech Financial

Ameritech contacted me promising to work with my loan creditors. They did lower my 

payments but failed to tell me that I would be paying two payments: one to them, the 

other to my loan creditor (FEDEd.org ) which was more that I had been currently 

paying. When I called them up on this, they decided that instead of me paying them 

$88 a month, they got it down to $25 a month. I should have known this was a scam. 

Also, they keep telling me that I am doing my paper work wrong. I don't know if a delay 

in getting all paperwork in benefits them somehow but I just feel like they are being nitpicky.

871 97637485 07/10/2018 Ameritech Financial

Consumer states that she received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. She had signed up with them back in 2015. She had paid them 

$99 a month. She was told that they would forgive her debit if she paid them for 10 

years.

872 97637492 07/10/2018 Ameritech

Consumer is calling to report he received a letter from the FTC stating the issue with 

Ameritech. Consumer states he does not remember how he heard about them but they 

had promised him to help him pay off his student loans. Consumer states he has paid 

them over $3000 which he does pay off his bank account.

Ortiz Attachment A - 181

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Page 182

# Reference Number Complaint Date Company Name Complaint Info Comments

873 97637777 07/10/2018 Ameritech Financial

Consumer received a letter from FTC vs Ameritech. She received a call from 

Ameritech and had a program that they could help her get to assist her with a Student 

loan forgiveness. She was told that an $88 fee would be charged to her each month for 

10 months. She believes that the fee was suppose to taken after her loan was forgiven. 

She states she called to cancel he service and was told that out of the $350 she could 

only get $120. She told that she could not get the full amount do to the Forberance that 

was filed on her behalf.

874 97637873 07/10/2018 Ameritech Financial

I was contacted by mail by this company multiple times for student loan forgiveness 

plans. I was struggling to make my payments, so I called them finally in Sept 2016. 

They told me that they would help me get my loans back on track by putting me into a 

loan forgiveness program, and that I would pay directly to them for my loans. I had to 

pay $199/mo for the first year, then $99/mo after that and supposedly it was going 

towards my loans. I was stupid enough to believe them, but they had all the right 

responses to my questions. I even remember jokingly asking them if this was a scam 

because it was too good to be true. I was financially struggling with my student loans 

and other bills though, so I didn't know where to turn and they seemed to be super 

helpful. They told me repeatedly that this would be goes towards my loans and that if I 

were to pull my loans from their program at any point, I would owe them the money 

back. The $3600 listed above is approximately what I've paid to them to this point, and 

what was supposedly going towards my student loans.

875 97637926 07/10/2018 Ameritech Financial

Consumer received a letter from the FTC about Ameritech Financial. He lost about 

$648 thinking that he was paying on his student loans, but the money wasn't actually 

going towards it.

876 97643322 07/10/2018 Ameritech Consumer reports she a letter from Ameritech offering a Student Loan Forgiveness 

based on her income.

877 97643388 07/10/2018 Ameritech

Consumer called in to discuss the lawsuit, with Ameritech. Consumer has been with 

the company since 2016. Consumer found out they haven't been paying her loans. 

Consumer wants her money back.

878 97643407 07/10/2018 Ameritech Financial

I have been paying ameritech financial since 3-23-2016 $99 a month because i 

believed I was paying my school loans back in hopes to receive loan forgiveness after 

a 30 year period.I gave ghe initiating representative my social security number, date of 

birth, financial accounts number, driver license number, and FSA information, only to 

find out recently that none of the money has went towards repayment of any of my 

loans and I will not have ant type of loan forgiveness. I am devastated and do not know 

how I will catch up 2 years of not paying my loans back or get my credit/credit score up 

to par!!!

Ortiz Attachment A - 182

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Page 183

# Reference Number Complaint Date Company Name Complaint Info Comments

879 97643455 07/10/2018 Ameritech Financial

Consumer received a letter from FTC regarding Ameritech Financial. Consumer was 

looking for further details in regards to the class actions. 03/03/2016 is when consumer 

started services with them consumer contacted them in regards to them not paying her 

student loans. Consumer was paying 200 dollars monthly. consumer was contacted by 

them for there services.

880 97643470 07/10/2018 AmeriTech Financial

 

the mails several times and chose to answer it. I called and asked many questions. I 

was originally told that the company worked with the US Dept. Of Education in order to 

eliminate your interest and eventually forgive the loan completely after x amount of 

"qualified payment". I was also told that I had to buy into the program. The program 

cost covered all paper work and account maintenance. That cost was $1200. After 

getting into the program I was told that my payment would drop down according to my 

income. I was told that my accounts would be going into forbearance and that that was 

ok because AmeriTech would be handling my accounts and making the proper 

payments. After all they were working with the DOE. I paid the $1200 over several 

months and once in the program my payment dropped down to $99 a month. I was told 

that these payments were going toward my principal. A year went by and after signing 

and sending all the paperwork in I was told that they did not receive it and that they 

needed the proper documentation. After several phone calls I re filed paperwork and 

continued paying for the services that were outlined to me. I sent the paperwork in and 

was told I was good to go. I continued those payment and while filing my taxes for 

2017 I realized that I did not get any forms stating the interest that I paid towards the 

loans and when logging into my account I realized that in fact no payments at all were 

made toward the principle throughout all of 2017. I called AmeriTech and spoke with a 

Renata Taylor who explained to me that I was mistaken all this time. That AmeriTech 

is a third party company that I am paying in order to file paperwork and manage my 

accounts in the hopes that after 120 "qualified payments" that my loans "may" be 

forgiven by the DOE. I was told that my payments that I was making were not qualified 

because again they did not have proper paperwork. I said I was assured that the 

paperwork was sent in and I was told I was fine. She told me that they have to be 

refilled out every year and despite filing them out at one time somehow I was never 

fully in the program. I asked her what I was paying $99 a month for the past year or so 

and she told me that there was behind the scenes work and account management that 

I pay for. I asked what could be done about the "nothing payments" and she told me 

that there was nothing that could be done. The whole thing seemed fishy to me and I 

started looking into the company and got a letter saying that the FTC was filing suit 

against them. I would love to be a part of the suit in anyway possible in hopes to stop 

Ortiz Attachment A - 183

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Page 184

# Reference Number Complaint Date Company Name Complaint Info Comments

881 97643482 07/10/2018 Ameritech Financial

Consumer reports they received a call from Student Loan Forgiveness Center offering 

to consolidate their student loan debt. Consumer reports they do not have a student 

loan. Consumer reports they requested for personal information. Update: 

The consumer reports he has been paying $88 a month. 07/10/2018

882 97643657 07/10/2018 Ameritech Financial

Ameritech Financial decieved me and mislead me to believe that I was required to pay 

them in order to enroll in a forgiveness plan w the DOE and that the money I paid them 

would be going toward my loans meanwhile I paid them $800.00 for absolutely nothing, 

for services that were free and I could have done on my own such as sending a simple 

fax. I later realized this on my own and contacted them asking for a refund and they 

denied me. I asked them if I could review my recorded phone call when they first 

contacted and mislead me and they said no that they would review it and get back to 

me of course they said there was nothing wrong w the calls and I was not going to be 

refunded. I then contacted my bank to cancel payment but it was too late. I am now 

recieving a letter from you guys saying you are suing Ameritech for the same reasons 

that I threatened to sue them myself but unfortunely didn’t actually have the means to 

do so. I am hoping they will be brought to justice and all their trusting costumers 

including me will be properly refunded. Please feel free to contact me if we can help 

eachother in any way. Thank you.

883 97643684 07/10/2018 American Financial Benefits 

Center

I thought this company was legit. Apparantly it is not which extremely disappointing and 

disheartening. They have taken $3,000 of mine that I thought was going towards my 

student loans. Now finding out that I am no further ahead than I was when I graduated 

is extremely maddening. In fact, I am further in debt because none of the money was 

used towards my loan. I have to now contact FedLoans and hope I can work 

something out with them.

884 97643768 07/10/2018 Ameritech Financial

Consumer states that she received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. She signed up with them back in 2015 and she pays them $99 a 

monthly. they told her that they could reduce her loan amount and she would pay a 

smaller amount. She was also told that they would pay her loans as well.

885 97643870 07/10/2018 Ameritech

I've been paying Ameritech for almost three years for my student loans and now I'm 

finding out that no payment has been made on my behave. I need to know what to do. I 

was trying to fix my credit and now it worse than ever with no payment for my loans 

made. They told me they could fix my credit and now I'm not sure have to get my 

money back. Can you help? Thank you Other-Other Update

Ortiz Attachment A - 184

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Page 185

# Reference Number Complaint Date Company Name Complaint Info Comments

886 97643978 07/10/2018 Ameritech Financial

I have paid to Ameritech Financial since June 2016, paying $207 for the first year and 

then $99 per month, which was promised to be for the next 10 years and then after that 

I would be done with my student loan. I received the letter from Federal Trade 

Commission, over this last weekend, about the lawsuit against Ameritech, and since 

receiving, have called my original loan provider, Great Lakes, which have since 

informed me that my loan has not been paid on since 2016. I am furious. I have tried to 

contact Ameritech 6 times since yesterday, 7/9/18, without a response. I was promised 

that my loan would be paid off in full after paying Ameritech for those 11 years, which 

was in the amount of $44,683.40. I feel that is what should be paid off! Ameritech lied! 

They deceived each and everyone of us in believing that they were forgiving our 

student loans through their program! This is very malicious and they should pay for 

each and everyone of our loans.... many people do not go to school because of student 

loans and then you have a company that does this! REALLY?!?!?! I hope they all face 

jail time and that we are all compensated for our loans owed that were promised to be 

paid out.

887 97644030 07/10/2018 Ameritech Financial 

I received a letter about how Ameritech financial could help me with my student loan 

debt and significantly reduce what I owed and my monthly payments. As someone 

drowning in debt on my own I thought it was something that could help. I called and 

spoke to a Kathlenne who advised that I would have monthly payments debited from 

my account in to a secured account which they would use to negotiate and pay my 

student loans. Understanding this I agreed to the program to help manage my debt. 

They told me to request forbearance on my loans and even advised they would help 

me apply for that until they got my account settled so they have logged in to my federal 

loan account on numerous occassions. Now we're being advised that this company 

does not pay off these loans and have been debiting money from my account for 

nothing. When i contacted them regarding the letter received the customer service 

agent had no information for me with the exception of a talking point provided by their 

company and stated that someone would reach out to me in a "few business days" to 

answer my questions. Very disappointed in this as I wasted precious time and 

resources to receive help and have been suffering financially for nothing.

Ortiz Attachment A - 185

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Page 186

# Reference Number Complaint Date Company Name Complaint Info Comments

888 97644103 07/10/2018 AmeriTech Financial 

Over a year ago, I received a letter in the mail referring to student loan forgiveness. 

After receiving a total of 5 letters stating they (Ameritech) was willing to help me 

recover from my student loan debt, I decided to give them a try. I spoke to a guy name 

Jason, he went over calculations and forwarded me a forbearence request as well as 

requests for other documents such as a pay stub, filed tax return which I never sent. 

For over a year my payments were $108.00 a month then because of my 

unemployement they reduce the amount to $82.00 a month. When I received the letter 

regarding the lawsuit, I immediately called Ameritech to cancel my membership. The 

supervisor was trying to convince to stay with the company by stating that I'll be paying 

3x more money included interests on my loans if I decided to leave them. I had just 

paid 82.00 that particular day for my loan, they only refunded $25TOPIC:Referrals

889 97644106 07/10/2018 Ameritech Financial

Consumers compliant is regarding Ameritech Financial. She states she is paying $120 

a month the next 10 years. She states she paid $658 in upfront fee's. She states she 

started payment on May 1, 2018. She states Ameritech Financial initially the contact by 

email.

890 97644166 07/10/2018 AmeriTech Financial

I work for a nonprofit organization so I knew I was able to get help with my loans but 

wasn't sure where to look. I saw online something about AmeriTech arranging, and 

helping pay back your loans for you so that you would be able to understand it. I gave 

them a call and made them explain everything to me very detailed. The company 

seemed official and each person I talked to knew what they were talking about and 

were very helpful so I signed up. I was confused after a while when money was still 

being taken out of my bank account after they told me it would stop after about 9 

months or so. They said the money being taken out was for their service but would 

eventually go back into paying for my loans. I called and they explained this to me 

again and said it would decrease soon and then stop. The money continued to be 

removed from my bank account from Ameritech and I was never able to log in my FSA 

account. I called about this and they gave me a password for it after a very long phone 

call. I would get letters in the mail stating that my loans were being paid off and that I 

didn't owe anything at the time due to Public Service Loan Forgiveness so I didn't think 

anything of it. I have other coworkers who work in nonprofit who have been talking 

about paying off their loans so I was confused as to why I never was paying off my 

loans. Whenever I would email Ameritech support asking if they needed more 

information regarding my PSFL they did not email me back or didn't even take the 

paperwork.

Ortiz Attachment A - 186

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Page 187

# Reference Number Complaint Date Company Name Complaint Info Comments

891 97644173 07/10/2018 Ameritech

I received notice of a pending case against Ameritech, which in the described similar 

treatment that I received. They did manage to get a few of my loans consolidated, but 

cancelled my dealings with them when I came to the realization they were going to 

continue charging me monthly service fee for providing substantial services and I was 

able to get the loans not consolidated forgiven. After trying to pressure me not to 

cancel I was able to finally get them to cancel.

892 97649916 07/10/2018 Ameritech Financial

They offered "total loan forgiveness" after paying them upfront fees and monthly 

payments. They also said they were going to make the payments to my student loans 

which they did not make one. With them not paying my loans, over the last 3 years I 

have been paying them my loans have accrued over $8,000 in interest. Very, very 

frustrated with Ameritech. Just hope I can get some if not all my money back from 

them along with the money to pay my interest that has grown on my account.

893 97649930 07/10/2018 Ameritech

Ameritech informed me they were consolidating my loans and they were supposed to 

be paid with the money that i paid each month. i kept receiving these emails that stated 

that my Student Loan email address password had been changed on several 

occasions, and i did not know why! I tracked it back to Ameritech...they somehow 

accessed my email, and changed the password so that i could not see activity. I called 

Ameritech to check to see when my payment would increase after a year as they 

informed me upfront that my consolidation would be re-evaluated and changed. The 

representative acted confused and did not know what i was talking about, and asked 

me to calll back. I called back and got a different rep. only to have the same confusion 

at which point i knew something was wrong, and started to look back at the emails that 

they sent, and the changed password. i called and closed the account with no problem 

or question or penalty. i knew something was up, and researched the company only to 

find it was definetely fraud, they said they’d look into refunding my money on several 

occasions, but years later....nothing! Please help.

Ortiz Attachment A - 187

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Page 188

# Reference Number Complaint Date Company Name Complaint Info Comments

894 97667640 07/10/2018 Ameritech Financial|Ameritech 

Financial

 

or representation | Impersonated attorney, law enforcement, or government official --- 

What Happened: I have student loans for which I will qualify for the Public Service 

Loan Forgiveness program when meeting the terms of 120 on time payments to 

consolidated direct loans and working for a 5013c company during the time of those 

120 payments (10 years). I thought I had met the terms as of Oct. 2017 but found out 

my loans were not consolidated. At that time (Jan 2018), I was contacted by Ameritech 

Financial. I was led to believe I needed them to get my loans transferred to Direct loans 

and consolidated. They also convinced me that in order to quality for the PSLF 

program, I needed them to keep documentation of my payments and paperwork 

needed, they told me this was one reason why I was turned down when applying for 

the PSLF because I did not have the 10 years of documentation.I believed they were a 

part of Fed Loans. They sent me forms from Fed Loans to get filled out (Income Based 

Federal Form, General Forbearance Request Form). I also had to send them Pay 

stubs, 1040 Tax return, bank routing information and signed releases to get my loans 

consolidated with Direct Loans.I was told everything was ready and beginning March 

15, 2018, I would be paying $74 that goes to Reliant Account Manager and $99 that 

goes to my loan, then after 13 months the $74 would no longer be needed to process 

all this and $99 would be my loan payment.They also created my account in 

myfedloan.org.I recently received a letter from the FTC dated June 27, 2918 stating 

Ameritech is being sued or deceptive practices and outlined what I needed to know 

and steps I can take about it. I was devastated to say the least, I was mislead in a 

huge way and gave personal information to a company I thought was working on 

behalf of federal loans who has done nothing but steal my identity and my money for 

now 17 months.! I tried logging in to myfedloan.org to find out the security questions 

were changed and so I could not access my account. I called Fed Loans and spoke to 

them and found out the $99 that Ameritech set up as an auto withdrawal out of my 

bank account for 16 months was not going to my loan at all. I contacted my bank to 

stop the 7/15 payment but they will charge me $22 to do that and said if Ameritech 

(Reliant Account manager) changes a letter in the name (RAM) the money goes to or 

even the amount by a dollar, the stop payment will not catch that so the only way is to 

call them to stop the payments. I did call Ameritech but got an answering service to 

895 97667719 07/10/2018 Ameritech Financial|Ameritech 

Financial

CFPB Sub product: Federal student loan debt --- CFPB Issue Type: False statements 

or representation | Impersonated attorney, law enforcement, or government official --- 

What Happened: Ameritech Financial.I send them payaments for my students loan. --- 

Have contacted: CC Issuer --- Fair Resolution: I would lie a full refund of my payments 

sent to them

Ortiz Attachment A - 188

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Page 189

# Reference Number Complaint Date Company Name Complaint Info Comments

896 97668100 07/10/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I received a letter from the Federal Trade 

Commission regarding Ameritech Financial who I used to consolidate my student loans 

and start repayment. I am a Ph.D. student at the University of Edinburgh and wanted to 

get ahead with my payments. I was told I qualified for Public Service Loan Forgiveness 

and according to the letter, my monthly payments do not go toward paying my student 

loans. I paid $300 in February 2017 to initiate the repayment and then paid $100 per 

month. Now I have to start over again. --- Have contacted: CC Issuer --- Fair 

Resolution: I want all of my money back. I cannot get the time back and now I have to 

start all over again with the consolidation AND 10 years of qualifying payments.

897 97704962 07/10/2018 Financial Education Benefits 

Center|Ameritech Financial

CFPB Sub product: Federal student loan debt --- CFPB Issue Type: False statements 

or representation | Impersonated attorney, law enforcement, or government official --- 

What Happened: I got involved with Ameritech Financial to consolidate and repay my 

student fed loans and participate in the PSLF loan forgiveness program. I was 

deceived by Ameritech Financial who also has involved the Financial Education 

Benefits Center who I have found is taking my money....not paying my fed loan at all. 

FEBC is also taking part in deceptive practices and I would like a full refund.Since 

finding out of these deceptive practices from the FTC, this is the reason for my 

complaint. I have also contacted FEBC on 7/10/18 and was able to leave a message 

stating to cancel my account. issues a refund and stop all future payments. I have not 

heard a reply yet. --- Have contacted: CC Issuer --- Fair Resolution: All money taken 

from me.I can not honestly say the total amount is going to FEBC since some of my 

money I believe is going to RAM - Reliant Account Management and also to Ameritech 

Financial. My best guess is $99 per month since March 2017 to date.

898 98605066 07/10/2018 Ameritech Financial

I was in formed by the FTC that Ameritech Financial is not a legitimate organization. I 

signed up with the company because they advertised that they can help with forgiving 

your student loan. I was told that if I make a certain number amount of payments along 

with a certain dollar amount that once I completed my portion of the agreement that the 

rest of the balance would be forgiven. I had been paying them over a year to help me 

with repayment for my student loan. They have not been paying anything on my 

student loan and now the interest on the loan has just been getting higher. I feel 

completely robbed and heartbroken especially when good intentions were the motive in 

this case --- Additional Comments: Justice and a refund to all the people that have to 

go through this.

Ortiz Attachment A - 189

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 190 of 511
Page 190

# Reference Number Complaint Date Company Name Complaint Info Comments

899 98612395 07/10/2018 Ameritech Financial

I signed up with this company in May 2017. I am an Rn for a non profit and they stated 

that they help get a reduced payment and forgiveness in 10 years for student loans. 

They told me that my credit report would show 'paying as agreed' once it was 

approved. Starting May 2017, they have taken $2,200 out of my bank account. I found 

out today that they have not made one payment to Great Lakes, my loan servicer --- 

Additional Comments: I would like a refund of all monies paid and correction to my 

credit report.

900 97650078 07/11/2018 Ameritech Financial

Ameritech Financial contacted me in 2016, the year I graduated from college. Over the 

phone, they made me believe I'd be paying my student loans through their company, 

and that my payments would be smaller if I went through them. For the first 13 months 

I paid 173 dollars. After that, the payments went down to 99 dollars a month. I started 

to receive emails from a different student loan provider telling me I was past due on my 

payments. I got in touch with the student loan provider who told me I owed them almost 

400 dollars becasue I was behind on my payments. When I told them I had been 

paying money every month, they aksed me the name of the company that was taking 

my money. When I told them it was Ameritech, they told me they had heard of them 

being a scam. I immediately got in touch with my bank and ceased all payments. At 

that point, I had already paid Ameritech over 2800 dollars.

901 97650096 07/11/2018 AmeriTech Financial

As I was finishing up my Master's degree I was receiving mail regarding getting my 

loans together. Since it has been my biggest worry I wanted to make sure that I was in 

good hands and I was convinced. I ended up calling early before the end of my degree 

and I was told I will pay 800 dollars in fees and an amount of 125 initially and then after 

4 months it moved towards 99 dollars a month. This was back in August-September 

2016, and they are still charging me today. Realizing that no payments are actually 

going to student loans I am super confused. Trying to wrap my head around why these 

fees need to be charged monthly when the service is only needed once a year for 

renewal, and this year instead of the company contacting me regarding renewal of 

repayment plan, I actually had to remind the company about it which makes no sense 

at all, the only reason I reached out to AmeriTech was because I received a letter 

about renewing it by a specific date. What exactly is AmeriTech doing with these fees 

if they are not paying my loans off?

902 97650172 07/11/2018 Ameritech Financial 

I have been paying this scam company for over a year and half then to find out they are 

not helping innocent people put money toward their student loans. They are deceiving 

the consumer, what a kick in the gut to have put out all that money to find out that we 

could have received the same help for no fee. I would like to be part of the lawsuit to 

sue this scandalous company that are stealing our hard earned money.

Ortiz Attachment A - 190

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 191 of 511
Page 191

# Reference Number Complaint Date Company Name Complaint Info Comments

903 97650375 07/11/2018 Ameritech Financial

I was contacted in March 2017 from Ameritech regarding their ability to greatly reduce 

the amount owed on my student loan. Was promised because of my being retired on 

limited income the loan could be largely forgiven with payments down to a reasonable 

level. Filled out paperwork but when notified the amount was not reeduced at all, I 

disengaged with them. Was not aware they were taking $108 payments out of our 

banking account starting in May 2017. Original contact was with Nicole Silvester, 

Customer Service Representative. Started auditing my bank account in May, 2018 and 

found $108 recurring charge I couldn't reconcil. Went to PNC Bank and they couldn't 

identify because coding was such that couldn't be deciphered - out in a dispute at that 

time to charges. Came to find out that was being paid to Ameritech through a third 

party and contacted them. Discussed this with Abhinan Joshi on at least three 

occasions and never received documentation they promised to send justifying work 

they had done. Was then contacted by Holly Halverson, Collections Specialist, 

requesting billing information. I had cancelled this earlier after dispute and informed 

her of the problem with e- mail. In the meanwhile, I had been talking with Nelnet, the 

loan provider and they proceeded to inform me of all the inconsistencies I had been 

told by Ameritech including: My loan was a parent plus loan and was not subject to 

reduction, that the loan would be forgiven after 25 years from 2017 or my death, and 

that the loan amount would continue to accrue and I was set for this next year because 

of my low income level. I was informed that Ameritech provided no service, the 

paperwork filling out was free of charge and interest rates were set by the US 

government. This occured in June of 1018, at which time I proceeded to cancel my 

account with Ameritech and attempted to find out what the $108 payment was for with 

documentation. UPDATE: 7/11/18 Consumer reports Ameritech keeps calling 

requesting payment.

904 97650415 07/11/2018 Ameritech Financial

The consumer received the FTC letter concerning Ameritech Financial. Consumer 

signed up with said company and has paid approximately 1,296 dollars for their 

services and nothing has been done for her.

905 97650421 07/11/2018 Ameritech Financial

Consumer received a letter about the Ameritech Financial about a lawsuit with FTC 

and she would like to know what to do. She previously had done business with them 

and paid them around $600 for student loan forgiveness.

906 97650489 07/11/2018 Ameritech

Ameritech Complaint: Consumer got a letter from the FTC. Consumer had paid 

Ameritech $800 and discovered a possible fraud and asked for his money back. 

Consumer was returned all but $300 back.

Ortiz Attachment A - 191

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 192 of 511
Page 192

# Reference Number Complaint Date Company Name Complaint Info Comments

907 97650614 07/11/2018 Ameritech Financial

Hello, I had been paying my student loans through Ameritech Financial since August 

5th 2016. I was charged a join fee and was paying monthy $108.00 for 2 years. On 

monday I found out that I was scammed by Ameritech Financial. I called them and 

closed my account but they said they will not give me a refund. I also called Fed Loan 

directly to explain the situation. Any advice or help as to what else to do would be 

appreciated. Thank You. Other-Other Update

908 97650771 07/11/2018 Ameritech Financial 

My experience with Ameritech Financial was difficult. My bank account was debted 

through a third party servicer call RAM Reliant Account Management. They took a 

payment of 167.00 a month for the past 8 months and i though my federal loans were 

being paid. It wasnt until my Federal Loans account was on the route of becoming 

deliquant that i realized my payments made to Ameritech Financial with RAM were not 

making it towards my loans. When i recieved a phone call from my true servicer NelNet 

i realized i had been scammed.

909 97650792 07/11/2018 Ameritech Financial

I received a letter from the Federal Trade Commission regarding this company and 

have been doing some research. In the summer of 2016 I received multiple 

letters/post cards regarding this company Ameritech. At the time, my student loan 

payments were over $500 a month, plus mortgage, bills, etc. I called and inquired 

about the company and how they assist. Just recently, prior to receiving the letter from 

the FTC, I had called Ameritech with other questions regarding my payments and my 

loans. They gave me false and misleading information as to their practices and how 

their company works. In regards to paying them, I was told it would be $280+ for the 

first three months, then $150 per month for the remainder of the year, and $99 per 

month thereafter. They overcharged me on multiple occasions. I was told my interest 

wouldn't change, I received an email from my loan provider stating my interest has 

changed because it is a variable rate (taken before 2006). Also, they have changed 

their "story" as to how my loan is paid/repaid on several occasions. I will be contacting 

them today to cancel my account. I would have spent more than my actual loan paying 

them to "handle" my account with all this false and contradictory information.

910 97650801 07/11/2018 Ameritech Financial

Consumer called in regards to a letter he received in regards to the FTC VS 

Ameritech. Consumer wanted more information on the situation. Consumer wanted to 

call back with more information about his experience with the company.

911 97656254 07/11/2018 Ameritech

Been paying Ameritech for months and had no idea the money I was sending wasn't 

going towards my student loans. Thought they could be trusted and I was a fool for 

trusting them. Just like to get my money back so I can actually start paying towards my 

debt. Thanks

912 97656537 07/11/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

Ortiz Attachment A - 192

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 193 of 511
Page 193

# Reference Number Complaint Date Company Name Complaint Info Comments

913 97656572 07/11/2018 Ameritech

Consumer is calling to report that she received a letter from the FTC about Ameritech. 

Consumer states she received a letter from Ameritech stating they could consolidate 

her student loans. Consumer has paid 33 dollars a month. Consumer has paid a total 

of Unknown dollars from her checking account. Update 07/11/18 Consumer is calling 

to report that she began services with Ameritech on about 05/30/17 and has so far paid 

about $33 for 13 months. Consumer states in total she would have to pay about 

$1,000. 

914 97656579 07/11/2018 Ameritech Financial Consumer got a letter about the FTC vs. Ameritech Financial and she is still paying 

the $100 a month and she is estimating this started about January of 2017.

915 97656666 07/11/2018 AmeriTech Financial 

They pressured me to send them all my information because they were going to help 

me consilidate my student loan, which I had advised them was a fraud from the 

technical school. I had enrolled in the school and once I started I realized it was a scam 

and I dropped out. The school continued to get loans on my behalf and a few years 

later they closed due to fraud. ATI in Doral, FL. After I signed up for Ameritech they 

started withdrawaling money from my bank thru another financial company called 

Reliant Account Management (RAM). They have me set up on automatic withdrawal 

monthly.TOPIC:Referrals

916 97656675 07/11/2018 AmeriTech Financial

I was called numerous of times advising that I qualified for Student Forgiveness and I 

asked them so many times to stop calling me. Then one day they insisted on how 

much I can save and so I spent over an hour on the phone with them. I was told I 

would be paying $82 for 2 years then it would be reduced and I will pay my student 

loans faster. They asked for so many documents and all my information. I assumed 

they were legit because of all the forms I had to sign. I should of known this was a 

scam when I still had to pay my regular student loan company an extra $25 on top of 

the $82 I was paying Ameritech.

917 97656793 07/11/2018 Ameritech

The consumer received a letter in the mail from the FTC and Ameritech. Originally the 

consumer received a letter offering to help her with her student loans. The consumer 

has been paying 162/month. The consumer was then getting calls and the consumer 

answered. The consumer paid 200 initially. The caller disconnected. UPDATE 

07/11/2018: The consumer reports that it was 80/month but initially paid 196 to start 

the process. The consumer reports that if she failed to fulfill the payment plan of 

80/month for 18 months, she would default and everything would essentially by nulled 

and go back to what the agreement was that income based. The consumer has paid 

via debit card. The suspects are wanting more information from these people.-

Ortiz Attachment A - 193

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 194 of 511
Page 194

# Reference Number Complaint Date Company Name Complaint Info Comments

918 97656921 07/11/2018 Ameritech

Consumer states she got a letter from the FTC against Ameritech. She signed up with 

Ameritech in 06/22/2016. She paid them 2000 and 10000 was added to her student 

loan also. She canceled her services when she saw a story on TV in 11/2017. She 

cancelled and requested a full refund and they haven't given her any money.

919 97656994 07/11/2018 Ameritech

Consumer states that he received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states he was offered assistance with reducing 

his student loan from Ameritech. Consumer states that he was told if he paid $150 a 

month, they were able to forgive her loan. which he found out that no payment was 

going to his student loans. consumer wants to know how he can retrieve her money 

and where to receive additional information.

920 97657017 07/11/2018 AmeriTech Financial

I contacted AmeriTech Finanical in reference to Public Service Loan Forgiveness 

program on 6-17-2016 and spoke to Martha Border, Account Specialist. She explained 

the steps that need to be taken to for the program. However, it was not explained to 

me that I was paying a fee for a membership program that was "optional". After 

discovering they were charging me money for a program in April 2017, I called 

AmeriTech to inquire about the charges and spoke with Chanton Orm about my 

complaint. I informed Chanton that I was not told the membership program was 

"optional". By the end of the conversation Chanton agreed to refund $700 out of the 

$1200 I had paid. He would not refund my entire $1200 fee. Although I was refunded 

$700, I was not satisfied with their decision. I told Chanton I felt like they were being 

dishonest and did not fully disclose the membership was optional. I 

received a letter from Federal Trade Commission in reference to AmeriTech Financial 

RE: Notice of Lawsuit. I called Ameritech on July 2 Case # about refunding 

the rest of my fees $500. They refused to refund my money stating I knew I was 

enrolling in a membership program and they felt they resolved my complaint by 

refunding $700 out of $1200 in 2017. I explained to Isiah, supervisor I felt their 

company is functioning on deceptive practices by not informing their clients that the 

membership was "optional". He said we tell out clients the membership is an 

extension of the program. I again expressed my concern with their verbage and how 

the human brain does not process "extension" the same as "optional'. He still refused 

to refund my money then proceeded to inform me I need to contact my student loan 

provider because they too are part of a lawsuit. AmeriTech business pratices are 

functioning off deception and taking full advantage of their clients.

Ortiz Attachment A - 194

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 195 of 511
Page 195

# Reference Number Complaint Date Company Name Complaint Info Comments

921 97657042 07/11/2018 AmeriTech Financial

I got contacted by AmeriTech Financial saying they could help me pay off my student 

loans for a reasonable price each month. I talked about this with other people and they 

agreed that this is something that can help out. I provided the information required and 

everything seems good. My student loan provider never said anything about needing 

me to pay off my loans, so I was sure AmeriTech is going through with their promises. 

Then I received a letter about the lawsuit saying AmeriTech is not keeping their 

promise. I did everything I could to make sure I did not end up disappointed like what 

happened with the college I applied for, and disappointment happened anyway.

922 97657056 07/11/2018 Ameritech Financial

Consumer reports that he is a victim of the Ameritech Financial. Consumer says as 

soon as he finished school they began to contact him offering assistance to pay off his 

student loans. Consumer paid about 1 year worth of payments of $82 each totaling to 

$1312. Consumer later found this to be suspicious as his student loan was not coming 

down. Consumer received letter from the FTC about the lawsuit with Ameritech 

Financial. Consumer also provided personal information including SSN.

923 97657099 07/11/2018 Ameritech Financial

I was contacted by Ameritech Financial in May of 2016. They had offered to 

consolidate my debt and have my monthly balance reduced and in ten years my loan 

would be forgiven. No money has gone toward my student loans. I've paid them 

varying amounts as you have to become recertified yearly. It was 207, then 119 and 

then 99 monthly. When I received the letter from the FTC reporting the lawsuit against 

Ameritech. I called to cancel my membership with them. They tried to explain that what 

I was paying was a monthly fee and ineligible for a refund. Ameritech was going to 

audit my initial phone call and "verify" the information provided. I asked to be able to 

listen to that recording as well and they refused. Stating that it is for internal purposes 

only. I was under the understanding that they consolidated my loan for the initial fee 

and were paying toward my loans.

924 97657134 07/11/2018 Ameritech

Consumer states that he received a letter from us about the Ameritech case. 

Consumer states that he has paid them over $3000 to help him with his Student Loans. 

Consumer states that he wants to be included in any action that is taken against 

Ameritech.

925 97657137 07/11/2018 AmeriTech Financial

I was contacted by an account specialist by AmeriTech Financial and was told they 

could help me repay my student loans from when I went to Brown Mackie College. 

They gave me the amount I would pay each month and I was fine with it until I received 

the lawsuit letter saying it was all false. Between Brown Mackie College's promises that 

they would help me get a career and this, I'm severely disappointed in a lot of things.

926 97657175 07/11/2018 Ameritech The consumer hired Ameritech Finance to help consolidate her loans. The consumer 

was under the impression her payments were going towards her loan.

Ortiz Attachment A - 195

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 196 of 511
Page 196

# Reference Number Complaint Date Company Name Complaint Info Comments

927 97664532 07/11/2018 Ameritech

Ameritech greatly hurt my family and I. For about a year Ameritech had my family and 

I believe they were making payments towards my school loan through Navient. During 

this time, Ameritech took hundreds of dollars in payments from us while not making 

payments towards my loan amount to Navient and while allowing approximately 

$106,000 in school loans to amass massive interest fees. We later found that, though 

Ameritech told us Navient was the correct loan servicer, Navient was not the 

appropriate servicer for the kinds of loans I had. Ameritech's actions resulted in 

ongoing stress so severe I felt ill: upset stomach, light headedness, and feelings of 

overwhelming hopelessness.

928 97664623 07/11/2018 Ameritech Financial 

Amertech contacted me via mail advertising that they would be able to reduce my 

student loan payments. I was originally told that I had to pay 286/month and that the 

funds would go towards my student loans and that after 6 months it would drop to 

100/month. I paid an initial fee of 286$ to get the process started. I was later 

contacted by Navient, after signing up for Ameritech, that they hadn't been receiving 

any payments from me. I contacted Ameritech and was then told that the payments 

hadn't been going towards my student loans but rather was a fee for them filing 

paperwork which I would not be able to file myself. I was told I needed to pay for my 

student loans on top of what I was paying Ameritech and was led to believe that I 

would not be able to file the paperwork needed to lower my student loan payments. 

Ameritech led me to believe that the money I was paying to them was going towards 

my student loans and that they were filing paperwork for me that I wouldn't be able to 

do myself and that without Ameritech I would not be able to get my student loans 

reduced. So far I have paid Ameritech approximately 3500$. I am filing this complaint 

because Ameritech was not transparent about their fees and I feel I have been 

scammed.

929 97664719 07/11/2018 Ameritech

Consumer states that she received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states she was offered assistance with reducing 

her student loan from Ameritech. Consumer states that she was told if she paid $100 a 

month, they were able to forgive her loan. which she found out that no payment was 

going to her student loans. consumer wants to know how she can retrieve her money 

and where to receive additional information.

930 97664836 07/11/2018 Ameritech I contact Ameritech to cancel my membership and ask for a refund, i was told no 

refund. Other-Other Update

931 97664916 07/11/2018 Ameritech

I called Ameritech to get a refund on monies paid to them and they refuse to do so. 

Please help me on how I can get refunded for all of that money. They did cancel my 

account.

Ortiz Attachment A - 196

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 197 of 511
Page 197

# Reference Number Complaint Date Company Name Complaint Info Comments

932 97664952 07/11/2018 Ameritech

ameritech falsely said they were to consolidate and pay my studebt loans with 

automatic draft from my checking account. they never applied any payment at all to my 

loans. i received letter from the FTC regarding the suit filing and advising steps to take. 

I just got the phone with "Grace" at ameritech and she said that they will not be 

refunding any of my money they took. This has been such a nightmare!!!!!!

933 97665053 07/11/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$1296 over the course of one year.

934 97665054 07/11/2018 Ameritech

Consumer has been a part of a contract for his student loans with AMERITECH for the 

past three years. The consumer wants to be included in this suit. The consumer paid 

$200 for the first year and now $100 per month for the past two years.

935 97665162 07/11/2018 Ameritech Financial

I have been paying Ameritech Financial $99.00 a month since 2016. They were 

supposed to be managing my student loan and providing a loan forgiveness plan. They 

told me that if I paid 200 consecutive payments that my loan would be forgiven. My 

loan is through Mohela and I have not been having my money going towards that loan. 

I believe this company is a scam. I am filing a formal compliant against this company 

and seeking reimbursement for my payments.

936 97665206 07/11/2018 Ameritech

Consumer called to report that she received a letter from the FTC regarding Ameritech. 

Consumer states she was making 173 dollar payments a month to go towards her 

student loans. Consumer paid for approximately 13 months.

937 97665239 07/11/2018 Ameritech Consumer reports she received a letter from Ameritech offering to lower her monthly 

payment, consumer states she has paid them $3300

938 97665246 07/11/2018 Ameritech Financial

Ameritech explained to me that by paying them through an Income driven payment 

plan my student loans would be forgiven in 10 years. And the amount I pay each 

month of $108.00 could change if my wages increased after the yearly review. They 

also said to add more people to my family to reduce the amount I would paying?? 

Shady....

939 97665279 07/11/2018 Ameritech

The consumer has services through Ameritech for debt consolidation. The consumer 

contacted them to cancel and receive a refund. The company never called him back. 

The consumer was under the impression that his payments were going towards his 

loans.

Ortiz Attachment A - 197

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 198 of 511
Page 198

# Reference Number Complaint Date Company Name Complaint Info Comments

940 97665307 07/11/2018 Ameritech Financial

Nov 2017 someone contacted me about consolidating my loans and being put into a 

loan forgiveness program. To my understanding the payments of 132 dollars a month 

were going towards my studebt loans and that my payment would go down to 99 

dollars after a given number of months. I called to ask about the letter I recieved from 

FTC to check balance all of that information and was told those payments have been 

going as a service fee and if I paid 300 payments of federal payents my loans could or 

would be forgiven. I had no idea none of the money I was paying to them was going 

towards my loans. I will be canceling my "service" with them and trying to 

make up for the time and money lost here. Other-Other Update

941 97665353 07/11/2018 Ameritech Financial

Consumer states that she received a letter from the FTC in regards to the Ameritech 

Financial Lawsuit. Consumer began her membership with them in the end of last year. 

Consumer states that she paid in total so far about 1392 dollars. Consumer has not 

called Ameritech just yet.

942 97665360 07/11/2018 Ameritech Financial

Consumer calling about the letter he rcv'd from the FTC vs Ameritech Financial. 

Consumer wanted more information about the letter. Referred him to 

ftc.gov/Ameritech. Consumer was told that hew would only gave to pay $82/month for 

10 years and after that his loans would be forgiven.

943 97665416 07/11/2018 Ameritech financial

I filed a claim about a week ago about this company. Today they sent me money which 

they claim is my refund for the services they claim they did on my behalf. it totaled 

$350. however ive paid $1066 total to this company that in fact did nothing for me and 

sent me farther into debt with my student loans. Id like a full refund if possible but there 

blocking me at every attempt and told me to contct the FTC if i had a problem with how 

they do business. Other-Other Update

944 97675041 07/11/2018 Ameritech Financial 

i was contacted by kimberly quinones im may of 2017. she explained to me that i could 

have thousands of dollars foregiven from my student loans if i joined ameritech 

financial. she explaind that i would pay them a monthy fee of $82 for a year and that 

money would not go to my loans but after that year was up my intrest on my loans 

would be gone. it was around $30,000 dollars that would be forgiven and after that year 

was up the monthly payments would start going directly to paying the remaining 

amount of my loans off. the people that draft the money out of my account each month 

is called reliant account management (RAM). I just received a notice in the mail saying 

that ameritech is being sued for deceptive practices. Now i am filing this complaint 

because i want my money back so i can put it towards paying off my loans. It is 

disgusting that these people are ripping people off when we are just trying to do the 

right thing.

Ortiz Attachment A - 198

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 199 of 511
Page 199

# Reference Number Complaint Date Company Name Complaint Info Comments

945 97675108 07/11/2018 Ameritech Financial

I was contacted by Ameritech Financial via mail in May of 2017. Ameritech was 

claiming to offer a Student Loan Document Preparation and Processing Services 

Program. The flier noted the implementation of the Health Care and Education 

Affordability Reconciliation Act of 2010 and the adjustment of their re-payment policies. 

The company claimed that by my making payments of $108.00 for 33 months, 

followed by re-occurring payments of $95.00, I would save $30,900.00 in student loan 

repayment, that I would otherwise spend using my loan services. Ameritech obtained 

my income information and has since been updating my Great Lakes student loan 

account to be set to an income driven repayment plan of $0/month, while they have 

been withdrawing $108.00/month from my checking account. I have recently contacted 

Ameritech in hopes of canceling and receiving a refund, but have yet to receive a reply.

946 97675118 07/11/2018 Ameritech

Consumer received a letter from the FTC concerning Ameritech. Consumer received a 

letter from Ameritech in December of 2016. The consumer called them and they 

offered to help him pay off his student loans. The consumer has been paying them 82 

dollars a month since then.

947 97675193 07/11/2018 Ameritech Financial Consumer reports they received a letter from the FTC regarding Ameritech Financial.

948 97675324 07/11/2018 Ameritech Financial

Consumer calling about the letter she rcv'd from the FTC vs Ameritech Financial. She 

had additional questions. Consumer found the company online. She set up a payment 

plan where she would pay $132/month.

949 97675458 07/11/2018 Ameritech Financial

I have been paying to Ameritech Financial for almost two years. I recently contacted 

my real student loan provider to find out that my payment amount was zero dollars. I 

have been paying them an initial 128 dollars after that 108 dollars a month for 21 

months. Where has my money been going? I hope you win and are able to get my 

money returned.

950 97675508 07/11/2018 Ameritech Financial

Consumer received a letter from the FTC about the lawsuit about Ameritech Financial. 

Consumer stated she was paying $80 a month. They promised her to help lower her 

student loans but they didn't do so. Consumer stated she was struggling to make the 

payments to Ameritech Financial. Consumer first found out about the company when 

they contacted her first by phone. Consumer stated they always had her send her 

information over email several times.

951 97675512 07/11/2018 Ameritech Financial

I was told that if I paid them for 10 years straight according whatever rate they 

calculated, I would be forgiven of any remainder student loan debt. They quoted me 

$170 monthly and stated that a portion went to my student loans. When I found out 

nothing was going to my student loans I threatened to cancel and they lowered my rate 

to $50 monthly, but later I cancelled.

Ortiz Attachment A - 199

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 200 of 511
Page 200

# Reference Number Complaint Date Company Name Complaint Info Comments

952 97675568 07/11/2018 Ameritech Financial

Consumer is calling on regards to a letter received by the FTC about Ameritech 

Financial. Consumer reports that Ameritech Financial have promised to enroll 

consumer into a government program that they claimed would permanently lower 

monthly student loan payments for a loan forgiveness. Consumer reports that she has 

paid close to $1700

953 97675630 07/11/2018 Ameritech

Consumer reports that he got a letter from FTC concerning the Ameritech lawsuit. He 

has sent them money and they have not paid any student loans. Consumer saw an ad 

for Ameritech online and has paid them $400. Consumer was advised by Ameritech 

that they are not refunding any money.

954 97675673 07/11/2018 AmeriTech Financial I have been paying AmeriTech Financial $99.00 a month for the past year and a half 

which has been by automatic withdraws from my bank account.

955 97675685 07/11/2018 Ameritech

Consumer is calling because she received a letter from the FTC VS Ameritech. 

Consumer states that a friend referred her to Ameritech for help with reducing her 

student loans. Consumer paid the company $74 by debit and found out that her 

payments where not going towards her Fed Loan so she canceled the service. 

Consumer calls the company using the phone number provided but does not get an 

answer.

956 97675798 07/11/2018 Ameritech

Consumer states that she received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states she was offered assistance with reducing 

her student loan from Ameritech. Consumer states that she was told if she paid $108 a 

month, they were able to forgive her loan. which she found out that no payment was 

going to her student loans. consumer wants to know how she can retrieve her money 

and where to receive additional information.

957 97675811 07/11/2018 AmeriTech Financial 

I got a letter in the mail telling me about my loans and how they can help me. I called 

and they told me that they will help me out on my student loans. They sent me some 

email tell me to send this: Most Recent 30 Days of Paystubs: NeededSpouse Most 

Recent 30 Days of Paystubs: NA Most Recently Filed Tax Return: NeededStatement of 

Income: NAPSLF Employment Certification Form:NAStop Automatic Payment To 

Servicer Form: NARecent Loan Servicer Statement(s) or Documents: NA (Pulled Fed 

Site Statement)IBR/ICR Application Form: Need Client SignatureForbearance Form: 

Need Client SignatureStop/Freeze Forbearance Form: NAFamily Size Letter: 

NAVoided Check: NeededNotes by our Document Collection Department. I didn't send 

anything because they took my money and have not called for me for it.

Ortiz Attachment A - 200

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 201 of 511
Page 201

# Reference Number Complaint Date Company Name Complaint Info Comments

958 97681334 07/11/2018 Ameritech Financial

Consumer reports that he is a victim of the Ameritech Financial. Consumer says as 

soon as he finished school they began to contact him offering assistance to pay off his 

student loan. Consumer paid about $108 each month. Consumer later found this to be 

suspicious as his student loans was not going. Consumer received letter from the FTC 

about the lawsuit with Ameritech Financial. Consumer also provided personal 

information including SSN.

959 97681411 07/11/2018 Ameritech Financial

Consumer states that she received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. She had gotten a letter from them and she decided to go with 

them. She was told that they were going to pay her loans. She started in February 

2017 but stopped using them in August 2017 because she found that none of the 

money was going to her student loans and they put her loan on forbearance. She 

never gave them permission to do that.

960 97681453 07/11/2018 Ameritech Financial

Consumer reports they received a call from Student Loan Forgiveness Center offering 

to consolidate their student loan debt. Consumer reports they registered and later 

discovered they were not paying her student loans.

961 97681639 07/11/2018 Ameritech Financial

In January 2017, I received a phone call from AmeriTech Financial. They left a voice 

mail because I do not answer numbers that are not on my contact lists. I ignored it. 

Then in February I received a letter in the mail. I called the number to see if this was 

something legitimate. They explained that they could reduce my student loan payments 

to $108 a month. They fabricated my information by increasing the number of people 

lliving in my home, the amount of bills I had to pay, etc. I questioned and questioned 

because it didn't seem right. I researched reviews on them but could not find anything 

telling me they were not legit. I checked the Better Business Bureau and they didn't 

have anything negative about them either. The representative, Richard Tapia even 

gave me his number to call if I had any questions or needed reassurance. 

 The letter I received in the mail looked offical like it was from the government. I 

contacted AmeriTech and asked that all services be stopped and for a refund. OtherOther Update

962 97681808 07/11/2018 Ameritech Financial

Consumer states that about 14 or so months ago he began his membership with 

Ameritech Financial. Consumer states that about a month ago he received a call from 

Navient who are his loan servicer in regards to some changes that were made to his 

account with them stating that he had 5 children which he doesn't and also changed 

his employment and income information as well. Consumer cancelled his membership 

with them at that time. Consumer had in total sent about 2000 dollars or more to them 

over the course of his membership.

963 97681853 07/11/2018 Ameritech

they contacted me to pay my student loans..they charged a fee to start then monthly 

payments gor 3 years now. they try to call me everyday to give them more ingo but 

reject their calls and emails

Ortiz Attachment A - 201

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Page 202

# Reference Number Complaint Date Company Name Complaint Info Comments

964 97681869 07/11/2018 Ameritech

Consumer received a letter from FTC about Ameritech. Consumer has been involved 

with the company for two and half years. Consumer states that they tried to get them 

claim more deductions on their taxes.

965 97681888 07/11/2018 Ameritech Financial

In attempt to gain control over my finances and begin paying on my student loans, I 

contacted a loan consolidation company to assist me in an overwhelming world of debt 

consolidation. I do not remember how much or how many payments I made to 

Ameritech before realizing I was still being contacted by my lenders separately. I 

believe that I then completely cancelled with Ameritech. I am unclear if that account 

was fully closed after recieving this notification of law suit and have not been 

successful in connecting with the company's customer service representatives to get 

clarification.I am a low-income individual hoping to recieve a refund for cash I cannot 

spare.Thank you.

966 97681897 07/11/2018 Ameritech

Consumer is calling to report that she was contacted with a letter in the mail by 

Ameritech offering their services to consolidate student loans. Consumer contacted 

them and set up payment plans with the company. Consumer states that she has paid 

$2000 total.

967 97681902 07/11/2018 Ameritech Financial

Consumer states he was contacted by Ameritech Financial over a call stating they 

worked for the student loan place and could get his loans consolidated, at first 

consumer paid 100 a month but then it went down to 80 dollars a month.

968 97681943 07/11/2018 Ameritech Financial

I was refferred to Ameritech Financial in 2015 by a friend who was contaced by 

Ameritech Financial. By initiating contact, we both were given a referral discount. I was 

required to pay an upfront fee for 2 months and then my payment was reduced to $99 

a month. I was under the impression this money was being used to pay on my student 

loans. I was also told I only had to pay for 20 years and then my loans would be 

forgiven. About 3 months ago, I moved states and called them to change my bank 

account information. Also, I asked if there was a lower rate I could pay since I would be 

unemployeed for the foreseeable future. They told me there was a $49 a month 

payment option. i asked why I had been paying $100 a month if there was a cheaper 

option and they told me that with the $100 a month fee, they would provide other 

services such as discounts to certain places, pet grooming and they would do my taxes 

for me. I had no idea any of this came with the $100 a month and still am unaware if it 

is true. I have paid them over $3600 in the past 3 years.

Ortiz Attachment A - 202

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Page 203

# Reference Number Complaint Date Company Name Complaint Info Comments

969 97681973 07/11/2018 Ameritech Financial 

 i can remeber in my intail call going back and forth between a couple pf people when i 

would say i didnt understand something. being moved between people, not liking to 

talk on the phone and getting anxious about talking on the phone doesnt help to 

understand things. i was under the impression that they give me a smaller repayment 

on my student loan and since i had just moved to a lower paying job and i thought this 

was good timing. Now they are telling me that all this time i was to be paying them a 

fee for having gotten me a lower payment and i should have still been paying naviant 

all this time. why would i want to agree to now making two payments a month? i 

wouldn’t. i told them i want my money back so i could actually put it to my student loan 

repayment but was basically told that unless FTC wins their case I won’t get that 

money back. I am living pay check to pay check as it is and can’t handle this setback. It 

feels like it wasn’t worth it to go to school and deal with this.

970 97682027 07/11/2018 Ameritech

Consumer reported that he recieved a letter from the FTC regarding the Ameritech law 

suit. Consumer states he thought the company was helping pay his loan and just 

figured out they did not. Consumer states he has paid the company about 3,000 

dollars.

971 97682184 07/11/2018 Ameritech Financial

Consumer is calling to report that she received a letter from Ameritech Financial due to 

she has been paying monthly the amount of $ 173 She has paid the total of $ 2,760 so 

far, She would like to know more information about the Law Suit. No further 

information was provided.

972 97682213 07/11/2018 Ameritech financial

i was contacted by this company to pay my srifent loans for a really cheap price. i was 

told that if i paid for 5 years then the rest would be forgiven. i had my payments set up 

to be withdrawn automatically at the 1st of the month umder a different name in the 

amount of 108.

973 97682232 07/11/2018 Ameritech|Reliant Account 

Management

The consumer received a letter from the FTC about the Ameritech letter she received. 

The consumer wants to file a complaint against Ameritech because she has paid the 

company to help her with student debt relief and noticed her balance for her student 

loans was not going down. The consumer paid 108 every month for a year via debit 

card. The consumer reports that the billing company on her statement shows up as 

RAM (Reliant Account Management). Originally the consumer received a cold call.

974 97682249 07/11/2018 Ameritech

Consumer states that she received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states she was offered assistance with reducing 

her student loan from Ameritech. Consumer states that she was told if she paid $87 a 

month, they were able to forgive her loan. which she found out that no payment was 

going to her student loans. consumer wants to know how she can retrieve her money 

and where to receive additional information.

Ortiz Attachment A - 203

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Page 204

# Reference Number Complaint Date Company Name Complaint Info Comments

975 97687796 07/11/2018 Ameritech Financial

Consumer calling to report that she is with Ameritech Financial for 2 years. She got an 

email from them and they had set her up and given her application. She sent them 

3734 dollars they've started taking out $157 a month.

976 97688022 07/11/2018 Ameritech

I was contacted from Ameritech in regards tp my student loans. They told me 

everything I would get etc, I said ok sounds like a good idea. They charged me every 

single month foe NOTHING. Its not until called the Dept Of Ed and they informed me to 

stop this program because its FRAUD.TOPIC:Referrals

977 97688159 07/11/2018 Ameritech Financial

Cold contacted by Ameritech with the promise of lowering my payments and after X 

number of payments my loans would be forgiven. Months later I inquired as to how the 

process was going, as I had been charged monthly but had no other notices. They 

informed me that they were charging me but the payment plans weren't in progress yet 

because I was missing paperwork. After filling out the paperwork months later they 

issued new sets of paperwork. When attempting to cancel they gave me the run 

around and ultimately prevented me from cancelling under fear of my loans getting 

messed up. Am now in the process of cancelling again, but once again getting run 

around. I will have to contact my bank and explain the situation and tell them to refuse 

any charges from their company anymore.

978 97705335 07/11/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Struggling to repay your loan | Problem lowering your monthly 

payments --- What Happened: I was making 88.00 dollar payments to Ameritech. I 

received a letter in the mail from the Federal Trade Commission, stating that 

Ameritech was being sued for deceptive practices. They have taken 88.00 out on April 

23, May 25th and June 25th of 2018 --- Have contacted: CC Issuer --- Fair Resolution: 

To give my money back. I thought they were helping me and they were not.

Ortiz Attachment A - 204

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 205 of 511
Page 205

# Reference Number Complaint Date Company Name Complaint Info Comments

979 97705437 07/11/2018 Ameritech Financial|Ameritech 

Financial|Drexel University

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: Ameritech was supposed to be helping to get 

out of default with my student loans. I was paying the $107 dollars per month and my 

income tax check was taken for 2017. My income tax check was not supposed to be 

taken and they harassed me about making the monthly payments. Ameritech / RAM 

services made my bank account overdrawn of which I had asked them not to go into 

my bank account because they were not helping me. I have emails to prove it. I was so 

upset. I do not have the money to pay my loan off and I was under the impression that I 

was not in default anymore due to Ameritech was supposed to be helping me.My first 

payment to them was for $149. 00 in November 2017. The regular payments was 

$107.00 per month. I was struggling to pay that amount. I want my money refunded 

and the amount of my income tax check and I had to pay Turbo Tax $107.00 dollars 

due to the check was taken and they would have taken their money out of my income 

tax refund check. I think Ameritech should give me back all of money. I am struggling 

to make ends meet and this happens to me when I am trying to pay student loan. My 

credit is destroyed when they reassured me my credit would be okay in a few months. --

- Have contacted: CC Issuer --- Fair Resolution: I want all of my money returned to me 

and the lost of my income tax check --- School Unit ID: --- School OPE ID: 

980 97705763 07/11/2018 Ameritech Financial|Ameritech 

Financial|Drexel University

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: Applied and Completed application with 

Ameritech (May 2017). Company initially charged a fee of $88 in the first month (June) 

and then three payments of $287 in each of the next three months. $99 was charged 

monthly until membership was cancelled (July 2018 - monthly Ameritech fee already 

withdrawn). Customer noticed that while making the payments to Ameritech balance of 

federal loan was not influenced by amounts paid to Ameritech. During the courting 

process, agent working for Ameritech did reveal that monthly payment would be lower 

but did not accurately nor thoroughly described what services they were providing, 

namely enrolling customer in repayment plans. Agent did not mention that the fees 

Ameritech would withdraw do not directly go toward the balance of the federal loan. --- 

Fair Resolution: At minimum, full reimbursement paid to Ameritech during the 

membership. --- School Unit ID: School OPE ID: 

Ortiz Attachment A - 205

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 206 of 511
Page 206

# Reference Number Complaint Date Company Name Complaint Info Comments

981 97705857 07/11/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I was told in August of 2017 that I would be able to 

refinance my Federal Student Loan through Ameritech and that the starting payment 

would be $82 a month for two to three years. The Last year I would pay $102 per 

month and then the loan would be paid off. I paid over $900 to them as a service fee 

over the last ten months.They have a disclaimer on their website that talks about a 

lawsuit with the FTC, and states“We do not make loan payments on your behalf and 

loans remain in your name. We assist in identifying appropriate government loan 

repayment programs and assist in document preparation to apply for the program. Any 

fees that you pay to Ameritech Financial are for services and you are responsible for 

repaying your loans separately.”This disclaimer was not there when I signed up in 

August of 2017. When I signed up I was under the impression that the $82 per month 

were being applied to my loans because that is what I was told. --- Have contacted: CC 

Issuer --- Fair Resolution: I would like my money refunded. I am not the only person 

this happened to.

982 97705865 07/11/2018

Ameritech Financial|Ameritech 

Financial|University of Southern 

Mississippi

CFPB Issue Type: Dealing with your lender or servicer | Don't agree with the fees 

charged --- What Happened: We have been dealing with a company named Ameritech 

Financial which we believed were alined with our student loan lender and that the $99 

a monthly payment we were making was going toward our student loan debt. Recently 

Ameritech informed us we would have to begin making a payment of $38.08 directly to 

our lender in addition to the $99 payment we have been making to them since 2016. 

The impression we got was that they were part of our lending company so this new 

payment was confusing to us. We then received a letter from the United States of 

America Federal Trade Commission stating that they were suing Ameritech Financial 

and the steps we would need to take to file a claim. --- Have contacted: CC Issuer --- 

Fair Resolution: We would like to see our $99 monthly payment be refunded to our 

student loan lender as that is were we thought they were being applied. --- School Unit 

ID: --- School OPE ID: 

Ortiz Attachment A - 206

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Page 207

# Reference Number Complaint Date Company Name Complaint Info Comments

983 97706095 07/11/2018

Ameritech Financial|Ameritech 

Financial|The Art Institute of 

California-Argosy University 

Orange County

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: As of June 2018, I received a letter in the mail 

from the Federal Trade Commission regarding a notice of law suit against Ameritech 

Financial. Ameritech claims to assist me with my payments towards my student loans, 

charging me close to 130 dollars in total each month for their services, which none of 

that money going towards my student loans. This horrible situation has been going on 

for about 3 years now, totaling about 3 thousand dollars being collected. RAM, Reliant 

Account Management, a specialized independent third party payment processor and 

trust accounting company, is also taking advantage of me by charging me 100 dollars 

a month for their services claiming to assist me with managing my loans. I am unaware 

of where that money is going towards. I tried to log in to my account to view my 

statements, but I am unable to log in, they never gave me a login. --- Fair Resolution: I 

want a refund and zero affiliation with both companies after I receive my refund. no 

more phone calls or payments withdrawn from my bank account either. --- School Unit 

ID: --- School OPE ID: 

984 97706126 07/11/2018 Ameritech Financial|Ameritech 

Financial|University at Buffalo

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I am a customer of Ameritech Financial and I 

received a letter in the mail from the Federal Trade Commission stating that my 

payments made through Ameritech Financial were not going towards paying off my 

student loans. I have since changed all my passwords for my FSA account information 

and I am in the process of canceling everything that concerns Ameritech Financial. I 

understand that their case is still pending but I would like to know if there is anything 

else that I need t di n my part. --- Fair Resolution: Ameritech Financial should refund all 

of my money and any additional fees or costs that may have happened due to there 

illegal business. --- School Unit ID: --- School OPE ID: 

985 97488333 07/11/2018 Ameritech Financial

Consumer reports Ameritech Financial offered lower monthly rates on their student 

loans. Consumer reports they promised a total loan forgives after 10 years. Consumer 

reports they paid $99 every month since 9/20/2016 Update 07/11/2018 Consumer 

would like to report that she received a letter from Ameritech Financial indicating she 

was not going to receive her money back. 

986 97597503 07/11/2018 Ameritech

Consumer states she got a letter from the FTC about Ameritech on 07/07/2018. She 

pays 99 a month since 206 for a total of 2376. She is paying by direct pay. She 

contacted them to sign up. Update 07/11/2018- Caller would like to know the status of 

her complaint. 

Ortiz Attachment A - 207

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Page 208

# Reference Number Complaint Date Company Name Complaint Info Comments

987 97614766 07/11/2018 Ameritech

Consumer is calling to report that she was contacted with a letter in the mail by 

Ameritech offering their services to consolidate student loans. Consumer contacted 

them and set up payment plans with the company. Consumer states that she has paid 

around $600 total. UPDATE: 7/11/18: Consumer reports that she cancelled her 

membership. She asked for a refund she was denied. 

988 97688513 07/12/2018 Ameritech Financial

Boy was I a sucker!! Got with Ameritech hoping that it would help me with my gov. loan 

for school. They said I would have a couple of larger payments at first but would go 

down to $99 a month. I thought this was a good deal because my payments to great 

lakes was pretty high. Little did I know that none of the money I paid in went to my 

loan. I called great lakes and they said that no moneys had been paid on this loan. So 

therefore my loan amount went up because of interest, you might say I shot myself in 

the foot. You know my grandma used to say that the rich man lives off the poor man's 

back. I'm glad that there maybe some justice in this world and still good people out 

there. I hope the Federal trade commission wins in this lawsuit so that so many of 

people who put their trust in ameritech will receive back their hard earn money that 

could of actually be going to their loan debt.

989 97688579 07/12/2018 Ameritech Financial

I've been paying Ameritech Finacial 99.00 a month after 1200 fee to start. It is to have 

my student loans paid in full in 10 years. I have been paying for over 3 years. I got a 

letter that AF is not paying my student loans. I don't know what to do. How is this even 

legal to fraud people. I hear about this all the time. It is wrong. 

990 97688662 07/12/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$2112 over the course of two years.

991 97688665 07/12/2018 Ameritech Financial

Consumer reports Ameritech Financial had sent her a letter to offer her to lower her 

student loan payments, consumer agreed to it and paid them $99 each month for two 

years, but consumer just recently found out its a fraudulent company.

Ortiz Attachment A - 208

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Page 209

# Reference Number Complaint Date Company Name Complaint Info Comments

992 97694583 07/12/2018 Ameritech Financial 

I was approached via postal mail/letters and phone calls by the company back in 

May/June of 2017 about programs that will assist with paying down or eliminating my 

student loans through various loan forgiveness programs Ameritech claimed to 

provide. It took some time but after receiving more notices in the mail about time 

running out and missing out on the opportunity to enroll in any loan forgiveness 

program I signed up on August 7 2017. I was asked about my income, household size 

and how many people I support or assist with financially even if they are not currently 

living in my home with me. Since then I received email reminders to send in supporting 

documents for a programs to assist will paying down my student loans. During the 

same phone call I was notified I was eligible for a program paying $132 a month for the 

next 10 years. Payment was request up front to begin any program for assistance. I 

was advised, if monthly payments were sent on time, the remaining balance of my 

loans would be forgiven. They informed me numerous times on how I was saving 

money with them. Roughly 4-5 months later I was ask what type of company I was 

employed through. I was informed that based on my income and place of employment 

(a non-profit organization) I was eligible for additional assistance. After receiving the 

notice in the mail from The Federal Trade Commission and canceling services with 

them. Based on payments received since August 2017 to July 2017 I have spent 

approximately $ 1452. I have reach out to the company enormous time in regards to a 

refund of all or at least the current month but have yet to get a responds. Other-Other 

Update

993 97694637 07/12/2018 Ameritech

Consumer states that he received an Ameritech letter from us so he called to add his 

complaint. Consumer states that he paid them over $2520 and they never helped him 

with what was promised.

994 97694669 07/12/2018 Ameritech

Consumer is calling to report that she was contacted with a letter in the mail by 

Ameritech offering their services to consolidate student loans. Consumer contacted 

them and set up payment plans with the company. Consumer states that she has paid 

$850 total.

995 97694845 07/12/2018 Ameritech

Consumer received a letter from FTC regarding Ameritech. Consumer was contacted 

via phone from Ameritiech regarding a loan forgiveness program. Consumer set up a 

payment plan and had $287 taken out of her checking account for 4 months ($1,148) 

and now $119 per month ($357) till June 2017. A total of $1,505.

Ortiz Attachment A - 209

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Page 210

# Reference Number Complaint Date Company Name Complaint Info Comments

996 97694873 07/12/2018 Ameritech

I have been with Ameritech since June 14, 2016. The representatives were always 

polite and helpful. I had no idea they were using my money instead of applying it to my 

loans. They had me beliving that I was on the right track of my student loans amount 

were going down. I trusted them. This is the second loan company that has 

disappointed me. I just wanted to put all these student loans behind me since I have 

been paying on them for so long. Can I please find a trusted loan provider that will give 

me a student loan forgiveness. I just renewed my loan application again with Ameritech 

on May 29, 2018. Other-Other Update

997 97694896 07/12/2018 AmeriTech Financial

AmeriTech told me that they would service my student loan debt for me. They told me 

that I could get back in good standing with my student loan debt and they would notify 

collection agencies of my efforts. So, I've been making payments for a few months 

now. I don't have a lot of income as it is but I was totally into getting my loans back in 

good standings. Please help!!! Other-Other Update

998 97695188 07/12/2018 Ameritech Financial

DNC EMAIL - Forwarded from the FTC to the DNC email box. Consumer did not give 

complete contact info. Consumer writes:"My name is (Consumers name)and I received 

a letter this week about AmeriTech's false claims about being a federal program to 

help with paying off student loan debt. Fortunately, I switched directly to paying the US 

Department of Education for my loans earlier this year. Yet, I did make a few payments 

to AmeriTech and saw on the letter that I could get a refund for those payments. I went 

online to see who to contact about this and this email came up. Who would be the best 

person to connect with in regards to receiving this reimbursement? Thanks for your 

help with this!"

999 97695214 07/12/2018 Ameritech Financial

DNC EMAIL - Forwarded from the FTC to the DNC email box. Consumer did not give 

complete contact info. Consumer writes:"Good afternoon, my name is (consumer 

name). I received a letter from the FTC briefly outlining the on-going lawsuit with 

Ameritech Financial. Unfortunately, I was someone who was using their services and 

have since taken action to cancel my account and file complaints. I have filed an 

official complaint through the FTC website as well. I have also taken action with my 

loan provider in order to regain control of my debt. My question for you guys now is 

what else do I need to do? I have spoken with a supervisor with Ameritech and they 

have stated they did nothing wrong and refuse to issue me a refund (after I talked to 

the same supervisor on 7/3 in which he said a refund would be issued). I would like 

more information on how to get my money back, if possible. Please advise."

Ortiz Attachment A - 210

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Page 211

# Reference Number Complaint Date Company Name Complaint Info Comments

1000 97695243 07/12/2018 Ameritech Financial

DNC EMAIL - Forwarded from the FTC to the DNC email box. Consumer did not give 

complete contact info. Consumer writes:"My name is (consumer name)and I fell victim 

to Ameritech Financial. I signed up for Ameritech as they promised to help fix my loans 

and payments. I was to be charged $80 a month as they work on my stuff and get me 

the "lowest payment possible. They promised me as low as $20.After three months 

and no news, calls, updates, I call up and they told me "they needed a letter of family 

size and encourage me to say I had 15 people I support. Basically, they told me to 

cheat the system and lie. I get back to them and tell them well I can add some names 

as I give them gifts several times a year, they said ok. I should have realized 

something was up. I called a few weeks later and still nothing. No progress. No, follow 

up. After 5 months I knew it was time to cancel. I am requesting a minimum of $500 

refund as 1) they wasted precious time and money to do nothing for my loans and set 

me back further on Income Repayment Plan.2) They knowingly knew they were ripping 

me off as no one was working on my case and they played dumb. 3) Interest accrued + 

pain and suffering, stress with my loans. I am a teacher, I make no money as it is.4) 

They knowingly made me lie to get a better payment. I am on deferent now till I can 

figure out how to get a reasonable payment. Thank you so much for your time and 

consideration on this matter."

1001 97695246 07/12/2018 Ameritech

I got a mail saying they were debt consolidation or forgiveness for my student loans. I 

contacted them and set it up for them to make payments to my loans for $82. a month 

debited out of my checking account. They promised to knock the total down on my 

loans if I paid for 8 months on time. I caught on to their scam in April of this year. First 

payment was for $74. 6/21/17, then $82. monthly until 3/21/18(when I stopped 

payment) Total $730.00

1002 97695316 07/12/2018 Ameritech Financial

Consumer received a letter in the mail from the FTC in regards to Ameritech Financial. 

Consumer wanted to know further information and what he could do. Referred to 

FTC.gov and to follow the steps on his letter. Consumer stated that he has been 

paying the company so he does not understand the situation, he stated he has been 

paying them about $4,788 via his bank account.

Ortiz Attachment A - 211

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Page 212

# Reference Number Complaint Date Company Name Complaint Info Comments

1003 97695320 07/12/2018 Ameritech Financial

On Feb, 2016 I received a letter on the mail from Ameritech Financial saying that thay 

could help me with my student loans, to reduce the payments if I worked in a non-profit 

organization. I contacted them by phone and I talked to Erik Nordstrand. He told me 

that according to my earnings I was going to pay $99/month for my student loans, but 

that I needed to make a payment of $1,114 to put my student loans in good standing. 

They withdraw a payment of $557.00 each time on 3/2/16 and 4/1/16, then since 

5/2/16-3/2/17 they withdraw $99. Like around Oct, Nov, 2016 I started receiving letters 

that my student loans were behind on payments, but they told if it happened they were 

going to fix it, to ignore them basically, but then in 03/2017 I was still receiving letters 

and I contacted the student loans and I was told that no payments were been made. I 

contacted Ameritech and tried to speak to Mr. Nordstrand, but instead I was told that I 

had to talk to Carl Pruitt. I explained about my student loans and he told me that the 

monthly payments that I was making was toward the agency and not my student loans, 

that they were working to fix my student loans, for a year??, that they needed more 

information from me, that they tried to contact me around Aug or Sept, 2016, even 

though I never received a letter from them. I told him that I was told that the monthly 

payments were for my student loans, I was never told that it was for the company, and 

that I wanted my money back. He told me to fax them the documents that they needed 

to help me with my loans, and that they were not going to be able to give me my money 

back because I signed a contract, even though they never said the money wasn't for 

my loans. I called my bank to stop the payments and explained to them what 

happened, the bank said that they could not do anything because I gave them 

(Ameritech) permission to withdraw the funds. So, I lost a total of $2,203 to Ameritech. 

On 3/14/17, I told Carl Pruitt to cancel my account and not to withdraw any more funds 

from my bank account.

Ortiz Attachment A - 212

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Page 213

# Reference Number Complaint Date Company Name Complaint Info Comments

1004 97695360 07/12/2018 Ameritech Financial

I received a letter in the mail from the FTC in regards to Ameritech Financial. About a 

week later I started to receive phone calls from my student loan provider stating that I 

was past due and that I would need to catch up my account. I was under the 

impression that my loans had been consolidated and until this point, I had not been 

contacted by them at all so this was a bit odd to be. I did some more research and 

noticed that my student loan amount was very high for the time I went to school and 

that there appeared to be a loan issued during a time when I was not in school. That is 

currently being disputed and has even been taken off of my credit report (roughly 

$44,500). Currently I pay Ameritech Financial $99/month and it is debited out of my 

bank account each month under RAM payment. When I first started the consolidation 

process with them, I should have been more careful as they were asking very personal 

information, but I was given reassurance that nothing would go wrong and during the 

time the reviews on their company seemed credible. I normally know better, but I 

needed a way to consolidate my student loans as soon as possible. Little did I know 

that this would not be the case. I have contacted them and asked for my account to be 

cancelled and have asked for a refund. This was on 07-12-2018. The person I spoke 

with put me on a waiting list and I have been told that I would be contacted within the 

next 24 hours. I have an email stating so and will ask for everything in writing as we 

can hopefully cancel my account.I hope this is the case. I have been enrolled with them 

since January 2017.

1005 97695362 07/12/2018 Ameritech Financial

Consumer received a letter from FTC. Consumer states the letter was referring to the 

Ameritech Financial, Financial Education Benefits Center (FEBC). Consumer states 

they are falsely claiming the consumer was eligible for federal programs that would 

permanently reduce their monthly debt payments to a fixed low amount or result in total 

loan forgiveness. Consumer states she has lost $1200. Consumer states she is about 

to finish paying for the student loan. Consumer states she does not have evidence that 

Ameritech is not paying off her debt.

1006 97695366 07/12/2018 Ameritech Financial

Consumer reports she got a membership with Ameritech Financial after she received a 

call offering her to lower her student loan debt, consumer paid them for 4 months with 

the total of $548 but consumer just found out they're fraudulent.

1007 97701427 07/12/2018 AmeriTech Financial

I signed up for Ameritech as they promised to help fix my loans and payments. I have 

been a consumer since Dec of 2016 I had to start paying them 99 dollars a month 

which they said will go on deducting my student loans. I have current emails asking 

me to sign an updated status form from Ameritech.Absolutely horrible that I was taken 

advantage of.

1008 97701442 07/12/2018 Ameritech Consumer received a letter about FTC filing a lawsuit, against Ameritech. Consumer 

has been charged 88 bucks, for 9 months. Consumer

Ortiz Attachment A - 213

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Page 214

# Reference Number Complaint Date Company Name Complaint Info Comments

1009 97701702 07/12/2018 Ameritech Financial

Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate he has been a customer since 2017 and is paying $105 

month and payment was drafted out of his account.

1010 97701918 07/12/2018 Ameritech Financial Referred by The CFBP. Consumer states he received a letter from the FTC regarding 

Ameritech. Consumer states he paid $800 and when he found out it was fraud he 

contacted them and was refunded $300. Consumer would like a full refund.

1011 97717021 07/12/2018 Ameritech Financial

Consumer reports that she is a victim of the Ameritech Financial. Consumer says as 

soon as she finished school they began to contact her offering assistance to pay off 

her student loan. Consumer says they began to offer her there services and get her on 

a payment plan. Consumer was paying about $99 dollars a month plus additional 

charges. Consumer later found this to be suspicious as her loan was not going down. 

Consumer received a letter from the FTC about the lawsuit with Ameritech Financial. 

Consumer also provided personal information including SSN.

Ortiz Attachment A - 214

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Page 215

# Reference Number Complaint Date Company Name Complaint Info Comments

1012 97717059 07/12/2018 Ameritech Financial

To the best of my knowledge: I contacted Ameritech Financial (American Financial 

Benefits Center) in or around October 2016, after being referred by a family member 

(who has since canceled her "membership"). I initially spoke with Kristen Hollon from 

Ameritech. She indicated to me that I had to act now because my loans were about to 

go into default status which I did not want. Approx. 10/26/16, we spoke again and that's 

when she e-mailed me the almost 40 page agreement/docs to complete. At the time, I 

was driving on the interstate and informed her of same. She pressed that it needed to 

be done and suggested I pull over which I did. I even paid for wifi at the gas station 

where I pulled off to secure a faster connection. She quickly went through the docs that 

I needed to sign and I e-signed them as we went along. I was told I would be paying 

$82/month to Ameritech for the first 3 years then that would amount would decrease as 

the years went on. I was made to believe while on the phone that my monthly 

payments were going towards my student loan balance. Ameritech did submit the 

paperwork to consolidate my loans and submit an income driven repayment plan 

application on behalf which was approved. I began receiving e-mails from my loan 

servicer that my monthly payments were $0. I started to get concerned and question 

where the $82 was going, if my monthly student loan payments were $0. I eventually 

called and spoke with someone at Ameritech but never fully understood where the 

money was going. Several weeks back, I e-mailed Ameritech to inquiry about 

cancelling. As I was researching, I found that there was a pending lawsuit against the 

company(ies). This confirmed my beliefs and soon thereafter, I finalized my 

cancellation. I feel that I have fell victim to Ameritech's deceptive business practices. I 

work full-time, making around $39,500 a year. Over the 22 or so months, I paid approx. 

$1,800 to Ameritech thinking it was going towards my student loan balance. I found out 

that $49 of the $82 was going towards my "monthly membership service" with 

Ameritech, $25 towards document preparation, and the remaining towards to a third 

party account management company.

1013 97717141 07/12/2018 Ameritech

Consumer is calling to be included in the suit filed by the FTC against Ameritech. The 

consumer has cancelled her membership with them and has invested $2,797 but they 

said they would only refund $600. The consumer said this is not fair.

Ortiz Attachment A - 215

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Page 216

# Reference Number Complaint Date Company Name Complaint Info Comments

1014 97717251 07/12/2018 AmeriTech Financial

I received a letter in the mail from the AmeriTech complany informing me that I was 

eligable for a Public Service Loan Forgiveness Program and all I needed to do we call 

them for more details. In August of 2016, I contacted them and after a long questionair, 

I was informed that I was eligable. I was sent documents to sign giving permission for 

AmeriTech permession to access my student loans. I was email an eDoc on August 

23, 2016. On August 24, I was emailed additional documents to complete. On Auguat 

25, I was asked to refer friends and family for a #25.00 gift card per person along with 

a scripted email to send with contact information. On August 28, 2016 I was emailed 

again to sign, yet again, additional documentation. I was asked to have my empolyer 

sign docuemnts to verify employment. On August 31, 2016 I was sent documents to 

sign and email them back. These documents were stamped with the Department of 

Education stamp and included a General Forbearance Request, Income-Driven 

Repayment Request, and PSLF Employment Certification Form. DUring the month of 

June, I received multiple phone calls per day requesting me to sign account debt 

autherization information. On June 26, 2018 I sign the paperwork for them to debt my 

account. On June 27, 2018, I received notice that the Federal Trade Commission was 

filing a lawsuit against AmeriTech and that I should file a claim here.

1015 97717318 07/12/2018 Ameritech Financial 

Ameritech financial contacted me in April 2017. i didn't start my membership until June 

2017. i have been paying $108 monthly for about a year. i received a letter from FTC 

and i am currently trying to cancel my membership.

1016 97717464 07/12/2018 AmeriTech Financial

I went through AmeriTech Financial to assist me in lowering my student loan debt. I did 

not realize that none of the money that I paid AmeriTech would not go towards my debt 

until I was contacted by the Federal Trade Commission.

1017 97717531 07/12/2018 Ameritech Financial

Consumer was contacted by Ameritech Financial to lower her student loans, after 

signing up with them consumer called to cancel, was able to but they were still 

charging her month. Consumer paid them a total of 700 dollars.

1018 97720222 07/12/2018 AmeriTech Financial

i originally contacted the company from a letter i recevied in 2016. there was a starter 

fee of an amount i cannot recall at this moment that i was paying monthly. mid way 

through the payments, i could no londer afford them. i then reached out later to the 

company in 2017 in efforts to get back on track with my payments. i finished making 

the intial payments. they were able to get me approved for an income based driven 

plan with my students. i currently pay them 99 dollars per month. when i originally 

signed up for the program in 2015, i was advised that a partial payment would go 

towards them and the other towards my student loans.

1019 97720251 07/12/2018 Ameritech Financial

The consumer called to file a complaint against Ameritech Financial. Consumer states 

she is making two payments a month for the next 10 ten years and has found out the 

payments are not going towards the pay-off.

Ortiz Attachment A - 216

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Page 217

# Reference Number Complaint Date Company Name Complaint Info Comments

1020 97720645 07/12/2018 Ameritech

The consumer received a letter about the Ameritech case. The consumer tried calling 

to get a refund and they would not provide her a refund. The consumer reports that 

initially they mailed her something offering debt relief services for her student loans. 

The suspects requested 250 up front and then 40/month. The consumer paid a total of 

530 via debit card.

1021 97720647 07/12/2018 Ameritech Financial

Consumer received letter in the mail from FTC about Ameritech Financial, consumer 

was contacted by mail from Ameritech stating they can help her pay her student loans 

for 108 dollars a month. Later consumer received a call from Ameritech asking if she 

had already paid her student loans, stating she needed to be paying her actual loan 

provider and them as well for there services. Consumer paid them a total of 1200 

dollars.

1022 97720705 07/12/2018 Ameritech Consumer reports she received a call from Ameritech offering to reduce to her Student 

Loan Debt, and she has paid $108 a month over 3yr period.

1023 97720723 07/12/2018 Ameritech

The consumer reports that she received a letter from the FTC regarding Ameritech 

Financial. The consumer reports that they charged her a upfront fee of $25. The 

consumer reports that she pays $82 monthly.

1024 97720984 07/12/2018 Ameritech Financial

Consumer is calling because she received a letter from FTC VS Ameritech. Consumer 

states that she received a letter from the company telling her that they can help her 

with her student loans. Consumer has been paying $100 a month having it debited 

from her bank account and was told that after paying for 20 years her student loans 

would be forgiven. Consumer called the company and asked for a refund and was told 

that the FTC does not have the privilege to have consumers request refunds and no 

refund was given.

1025 97721138 07/12/2018 Ameritech

Consumer's husband received a letter about FTC filling a lawsuit against Ameritech. 

They said that, his FSA account has been locked. Consumer has been charged a lot of 

money.

1026 97721144 07/12/2018 Ameritech Financial

I was originally paying my student loans through Navient and then Navient had it's 

lawsuit about charging people higher rates and not all the payments going towards the 

loan. So, my wife (who also is using Ameritech) told me to check into them. They said 

that they could help me lower my payments and help me payoff my loan faster. After a 

year of payments, my loan is actually higher then it was before and I have nothing to 

show for after paying all that money to them. I would very much like my money back or 

to actually get help with my loan. Thank you.

1027 97724087 07/12/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial .Consumer states 

she paid a total of $4800.Consumer states she was under the impression that her loan 

was being paid off and the amount of the loan was reduced.Consumer received letter 

from FTC regarding the recent lawsuit that was filled against this company.

Ortiz Attachment A - 217

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Page 218

# Reference Number Complaint Date Company Name Complaint Info Comments

1028 97724138 07/12/2018 Ameritech

Consumer states that she received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states she was offered assistance with reducing 

her student loan from Ameritech. Consumer states that she was told if she paid $407 a 

month since November 2017 to January 2018, they were able to forgive her loan. 

which she found out that no payment was going to her student loans. consumer wants 

to know how she can retrieve her money and where to receive additional information.

1029 97724171 07/12/2018 Ameritech

I received a letter from Ameritech about school loan help and was having financial 

issues so i figured id check it out. They informed me they could cut my overall payment 

by over half so i thought it was great and signed up. Aftera month or two I read some 

bad reviews and called them but they explained they fixed those issues. They also 

explained the fees and what my money went to but neve that my loans wouldnt be 

paid. Now i still have my loans and lost out on money. If I never got this letter from the 

FTC I wonder how much i would end up paying them for nothing.

1030 97724336 07/12/2018 Ameritech Financial 

 I have been paying AmeriTech Financial for what i thought was loan forgiveness and 

lower payments for my student loans. What I feel like ive gotten is a bunch of 

deception and lies. They told me when they called me that when they took the money 

out of my account automatically I would be paying for their services to help process the 

paperwork and pay back my student loan. My student loan servicer has never received 

any payment in a year and eight months. I was also told by a supervisor of Ameritech 

financial today, that they said they were upfront about being a company that helps 

people with their documents and are not going to pay back loans and we also told you 

about our fees upfront and what they were for. They did not tell me any of that before 

today. I was also told that I needed to make 120 payments to them and then the rest 

of my loans will be forgiven. I felt like I was lied to and deceived into believing that my 

student loans we’re going to be taken care of and feel like they just pocketed the 

money for themselves. I called them and cancelled and said i wanted a refund and they 

told me they couldnt give me a refund because they have already helped me prepare 

my documents. Other-Other Update

Ortiz Attachment A - 218

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Page 219

# Reference Number Complaint Date Company Name Complaint Info Comments

1031 97724411 07/12/2018 Ameritech

My experience happend in February 2016, about 2 years ago.I recieved an orange flyer 

stating I needed to pay my student loans at a marked deadline. I called and pretty 

much got a loan forgiveness plan.I forgot the gentlemans name, but he "helped" me 

with my plan. I gave him my credit card number and information and I realized within 2 

months I got charged almost $800 for something I could have done for free on top of 

about 250 payments for two months.I found out by my loan provider Great Lakes. The 

woman told me to stop the plan. I immedietly stopped the payments called my bank 

and told them that i was scammed. I called Ameritech threatened them to give me my 

money back.I did contact The federal trade commission and complained about my 

experience and told them that they are scammers.I got rid of my credit card, changed 

my passwords on my accounts, threatened Ameritech to give me my 700 dollars 

back.My bank contacted them as well. I got my money back within a week. They target 

students who just graduated college and their flyers are decieving about them "helping" 

with a loan forgivness plan.They just take the money and not help at all. Im happy that 

The FTC cracked down on these companies that target graduates.

1032 97724436 07/12/2018 Ameritech Financial

In March 2017, Ameritech contacted me via mail regarding my public loan forgiveness. 

They said they would help me to get my payments to qualify for the public loan 

forgiveness and into the program. Little did I know, for the past year my payments did 

not qualify and they were not doing anything with the updated information. They took 

my money and my information and did nothing with it. Ameritech asked me for my user 

names and passwords to access my accounts and they only reduced my payment 

amount each month. They did not complete the task the documents said they would. I 

would like to be reassured that my fasfa ID and social security number have not bee 

breached.

1033 97743215 07/12/2018

Ameritech Financial|Ameritech 

Financial|Indiana UniversityBloomington

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I was contacted by Ameritech Financial and fell for 

their scam. In the beginning everything seemed very legitimate, but I recently received 

a letter in the mail from the FTC about a law suit against Ameritech. I looked into my 

account further and I realized they were only paying the bare minimum payments 

toward my account and keeping the remainder of my payments. They also said that 

after so many months my payments would go down and they never did. I called to 

cancel my payments, but the company has had so many complaints they can't get to 

my service request. I contacted my bank provider to cancel all payments to this 

company, but I am worried about how much information they have of mine. --- Have 

contacted: CC Issuer --- Fair Resolution: I would like to have all of my payments to 

them returned. --- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 219

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Page 220

# Reference Number Complaint Date Company Name Complaint Info Comments

1034 97743241 07/12/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Fraud or scam | --- What Happened: Looking back at 

documentation I started this process March 2016. Prior to that I had received a letter in 

the mail from Ameritech Financial regarding student loan reduction. So I called to 

obtain more information and then began the application process with them. So 

basically they told me I had to pay $114 a month for about 6 months and then after that 

it would be $99 a month debited from my account and they would help me reduce my 

student loan payment. My student loan servicer is My Great Lakes. So, we did the 

application and then I received a letter from My Great Lakes saying that my application 

was approved. So, that was about 2 years ago. Ameritech has been taking $99 out of 

my account monthly for 2 years. I have also been paying my reduced student loan 

payment monthly. I then received this letter in the mail regarding Ameritech Financial 

for deceptive practices. So, I called my loan servicer My Great Lakes and they told me 

that I am in an income-driven repayment plan. That I could renew every year on my 

own. So basically, I am paying Ameritech for something that they could help me for 

free with. --- Fair Resolution: I would like a refund from Ameritech for all the payments I 

made to them for no reason. For paying them for a service that I could have gotten for 

free.

1035 97743351 07/12/2018

Ameritech Financial|Ameritech 

Financial|City College-Fort 

Lauderdale

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I payed a large fee up front to Ameritech 

Financial in March of 2016 and have been paying $99 a month since. There should 

have been no fee for this service. I am a single mother just off disability with a special 

needs child. This money did not come easy to me. Also, all my payments (around 

$3000) should have gone towards my student loans. They did not. --- Fair Resolution: I 

payed a large fee up front to Ameritech Financial in March of 2016 and have been 

paying $99 a month since. There should have been no fee for this service. I am a 

single mother just off disability with a special needs child. This money did not come 

easy to me. Also, all my payments (around $3000) should have gone towards my 

student loans. They did not. I want a refund of all payments made to Ameritech 

Financial or any other company used to collect payment from me. Thank you. --- 

School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 220

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# Reference Number Complaint Date Company Name Complaint Info Comments

1036 97743371 07/12/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Fraud or scam | --- What Happened: My first payment was made 

directly to Nelnet Loans on Feb. 3rd 2011 up until May 12th 2016.In 2016 Ameritech 

Financial sent me a letter in the mail saying they could help me with myloans. I called 

and spoke to a representative which then kept in email contact with me. Mymonthly 

payments started at $332 payable to Deposittrn Gcs, as documented on my 

bankstatement for the first month, 5/5/16. Then $232 as of 6/6/16 through 12/5/16 a 

month. On1/5/17 until this current date of 6/6/18 I’ve paid $99. As of Feb. the company 

name changed toAcctmgtolu. I have attached the email thread with Ameritech 

Financial and my history of myNelnet loans I paid directly to Nelnet. As well as my bank 

statements with highlighted autopayments. --- Have contacted: CC Issuer --- Fair 

Resolution: All the money that I have already paid towards my loan through Ameritech 

Financial shouldhave been going towards my balance. Since I never missed a payment 

and was told it wasgoing towards my balance, I do not expect to have to pay what I 

have already paid to AmeritechFinancial.

Ortiz Attachment A - 221

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Page 222

# Reference Number Complaint Date Company Name Complaint Info Comments

1037 97916913 07/12/2018

Ameritech Financial|Ameritech 

Financial|Arkansas State 

University-Main Campus

CFPB Issue Type: Dealing with your lender or servicer | Don't agree with the fees 

charged --- What Happened: In 2015 we started the process, I paid approximately 

$300 a month. It went only approximately 3 months before I figure out what was going 

on. The representative Brook Cordoba keep requesting information, I send it thru 

email, fax. The first time I tough that I may miss something or something was 

incomplete, I justifying them for requesting me the information a second time. However 

looking at the fact that they will continue taking payments out of my account, my 

assumption was that everything was going well. I inquire about my student loan 

because the overall amount was not decreasing. Then Brook said that I did not finish 

the paperwork. I said it has been a while that I send everything you ask and you never 

contact me for the incomplete paperwork, but you still take the payments out of my 

account. I ask where payment are going to because my loan was not decreasing. She 

said I was been charge by their services processing fee. I let her know that this fee 

was not explain at the begging, I now nothing about a processing fee. For that reason I 

close my account with them so that way I can stop the draft on the account because 

the next month they will be taking more. In hand site I should do something when they 

took the payment from my bank account without the paperwork been completed. I ask 

them to remove the second and ask for the refund and that’s when John Oster got 

involve, we talk and I ask for a reimbursement and he was saying no. I told him I don’t 

agreed with the service charge. He said that he will reimburse money if I reopen the 

account again, I said that he can send a check that I was not going to reopen the 

account. I didn’t do that because I felt he was going to take money instead of 

depositing money. I never heard from him again. Now I received a letter that they are 

involve in a lawsuit for the very same behavior that they did to me. We are not 

supposed to have to pay services fees that our money is supposed to go directly to the 

student loan. --- Have contacted: CC Issuer --- Fair Resolution: I want them to give me 

my money bank. I want it back with interest. --- School Unit ID: --- School OPE 

ID: 

1038 97453448 07/12/2018 Ameritech Financial

Consumer received a letter from the FTC in regards to the case against Ameritech 

Financial he has been paying $100 for the past two years monthly to reduce her 

student loans. Consumer did a renewal with them July 1st. UPDATE: 7.12.2018, 

consumer states when he contacted Ameritech Financial, he states they only gave him 

a 20% refund and stated they would have to look further into his file to see if the 

accusation in the letter actually happened to him before he would receive a full refund. 

1039 97478697 07/12/2018 Ameritech Financial

The consumer reports she received a letter from FTC in regards to the Ameritech 

Financial. Consumer states she paid over 2 years.Update: 7/12/18 Consumer called to 

report that she contacted Ameritech to try to get her money back and was told they will 

not issue a refund. 

Ortiz Attachment A - 222

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# Reference Number Complaint Date Company Name Complaint Info Comments

1040 97522883 07/12/2018 Ameritech Financial

Consumer states he had obtained services with Ameritech Financial on 07/17/2017 

and has paid $2228.00. with month payments through his checking account. UPDATE: 

07/12/2018 Consumer states he did call Ameritech and they did not provide the 

consumer with a refund. 

1041 97605011 07/12/2018 Ameritech Consumer reports he received a post card from Ameritech offering to lower his Student 

loan payments. Consumer states he has paid them over $1800. UPDATE 07/12/2018: 

Consumer called back to know what steps he can proceed with. 

1042 97695163 07/13/2018 Ameritech Financial

I have been utilizing Ameritech Financial services for the last 6months. I was under the 

impression that they had paid off my account with AES when all they did was 

essentially consolidate my loans with Navient. I had been paying them monthly and 

none of these payments went towards my student loans. It wasn’t until recently when 

Navient sent me a bill that I became confused as to why I had to make payments to 

both companies. I am very upset by their deception. I called them today as I just 

received my letter from the FTC and was told that someone would get back to me in 

24hrs to address my concerns. In the meantime, I contacted my bank and had them 

stop payments to Ameritech until this situation is resolved. Every single person that has 

paid money to this agency should be properly refunded 100% of their money. UPDATE 

07/13/2018: Consumer has a number to add.

1043 97724745 07/13/2018 Ameritech Financial

I had received a letter in the mail last year informing me of Ameritech's loan servicing. 

So I decided to give them a call to get more information. At the time I was very on 

board with deferring my loan payments for a year due to the fact that our family was 

growing and I would have many more expenses. My current payment arrangement was 

$400 a month through Fedloan. So I signed up with them. I was told that my student 

loans would be transferred and through them I would make payments and that the 

payments were income driven. The catch was that over the course of the year I would 

have to pay them $100 for the first month, then $108 for the consecutive months. In 

total as of July 2018 I have made a total payment of $1,180 through Ram Draft 

servicing for those monthly $108 payments. On the other side, my loans would be paid 

through NelNet. I could make payments if I wished but I wouldn't have to make any 

required payments until November 2018. So far I have made $800 in payments on 

Nelnet bringing my grand total to $1,980. I did find it strange that the payments on 

Nelnet were automatically split up between my principal loan debt and the accrued 

interest. I could not choose how much money would be applied to either category. I 

received a letter in the mail dated June 27, 2018 from the FTC informing me of the 

current lawsuit with Ameritech Financial. I have every wish to cancel my services with 

them and get all my payments refunded but I am still waiting for a call back to push 

through with that.

Ortiz Attachment A - 223

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 224 of 511
Page 224

# Reference Number Complaint Date Company Name Complaint Info Comments

1044 97724782 07/13/2018 Ameritech Financial

they charged me a fee to sign up and told me that they would get my monthly 

payments lower than what Nelnet was offering. They seemed pretty legit. But after 

reading that it's illegal to charge people money upfront for debt relief I will be calling 

tomorrow to either have them cancel my service with them or call the bank. I signed up 

2 years ago. There's way too many people that have been taken advantage of. Student 

debt is enough of a headache as it is.

1045 97731315 07/13/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

1046 97731467 07/13/2018 Ameritech Financial

Consumer received a letter from FTC regarding Ameritech Financial. Consumer 

thought her money was going towards her student loans and it was actually going 

towards other paperwork. Consumer contacted Ameritech for there services when she 

found them online.

1047 97731498 07/13/2018 Ameritech Financial 

Hello, I recieved a letter from Ameritech Financial stating I am eligible for a student 

repayment option. I signed up eagerly to get out of debt hoping I can eventually qualify 

for the loan fogivness program. I've been paying 99$ a month for about 26 months 

now. I recently recieved a letter from the Federal Trade Commisson stating the 

company Ameritech is being sued for deceptive practices. I feel cheated and 

dissapointed for being taken advatage of. I appreciate all help I can get and would like 

a refund. Thank you.

1048 97731703 07/13/2018 Ameritech Financial 

I recieved a letter in the mail saying they had a good progroam that would help my 

student loans, and have smaller monthly payments. I only had to pay 50$ a month and 

they would send that to my student loan. I have a full time job and live on my own, 

thought 50$ sounded like a good deal. I was told they work directy with the federal 

student loan department, which now i realize that is false. I've paid them 600$ or more 

and now finding out none of that even went to my student loan is very frustrating.

1049 97731837 07/13/2018 Ameritech

Consumer stated that she got a letter from FTC about Ameritech. Consumer stated 

that she was contacted by Ameritech to consolidate her student loans. Consumer 

stated that she has been paying them $82 monthly, to reduce student loans with Great 

Lakes.

1050 97731947 07/13/2018 Ameritech Consumer reports she received a email from Ameritech offering student loan 

forgiveness and states she has been pay $99 a month for 3yrs.

1051 97732090 07/13/2018 Ameritech Financial

I was contacted via regular mail about paying consolidated payments on my student 

loans and qualifying for loan forgiveness with Ameritech's assistance. I was told that I 

had to pay two payments of $407 before services would start. After the inital payments 

I could possible be forgiven and not have any other payments but I've had $99 debited 

out of my bank account since. Other-Other Update

1052 97732157 07/13/2018 Ameritech Financial

Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate she has been a customer since 2014 and is paying $99 

month then dropped to $50 and payment was drafted out of her account.

Ortiz Attachment A - 224

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 225 of 511
Page 225

# Reference Number Complaint Date Company Name Complaint Info Comments

1053 97732168 07/13/2018 Ameritech Financial

Consumer states that she received a letter from the FTC about the Ameritech case. 

Consumer called to add her complaint as well. Consumer states that she has paid over 

$8376.

1054 97736705 07/13/2018 Ameritech Financial

Consumer received a letter from FTC regarding Ameritech Financial. Consumer states 

she has been paying $173 per month since about 10/2017. Consumers understating is 

that they lowered her payments towards her student loans. Consumer has not been in 

touch with her lender to verify if payments have been made towards her loans. Will call 

back to finish report.

1055 97736764 07/13/2018 Ameritech Financial 

I intially was contacted by Ameritech via phone in regards to aiding me in my student 

loans in January of 2018. My account was drafted in March & the months that 

follow in which I believe the payments were going towards my student loans. OtherOther Update

1056 97736827 07/13/2018 Ameritech

They called me up back in Feb saying they could get my student loans down to a lower 

payment and have them taken care of in 33 months with payments of $197. Before I 

got the letter of the lawsuit (and even before said letter was sent) they were asking for 

several things that I had sent in to them: Pay stubs for the last month, Signed forms 

(The Income Driven Repayment Plan Request and General Forbearance forms), 

Voided check/bank Statement, and my previous Federal 1040 tax return.

1057 97737090 07/13/2018 Ameritech Financial

In February 2017, I received a letter in the mail from Ameritech Financial in regards to 

potentially qualifying for a government loan forgiveness program. Knowing that while 

working in the healthcare field and for a non-profit hospital I would meet the necessary 

requirements. I spent countless hours on the phone with a Richard Tapia going over 

the necessary and personal information to complete the required application. Once all 

requested documents were received Ameritech began to withdrawl $99 + and 

additional $80 until the program fee ($800) was paid. I have been paying the stated 

payments since March 2017 with no amount being distributed towards my student 

loans. Please help and assist in any way to refund any, if not all, of the money I have 

"invested" in repaying my loans.

1058 97737322 07/13/2018 Ameritech Financial

I enrolled into the student loan foregiveness program with Ameritech Financial in 

Septemer of 2017. On 7/13/18, I received a letter in the mail from the FTC stating there 

is a current lawsuit against Ameritech. I paid $74 the first month during my enrollment 

with Ameritech and since then have paid $82 every month, totalling $894. I would like 

my money back and know how to protect my information! Thank you, 

1059 97737374 07/13/2018 Ameritech

Calling to report that he was contacted by Ameritech offering their services to 

consolidate student loans. Consumer contacted them and set up payment plans with 

the company. Consumer states that she has paid $410 total.

Ortiz Attachment A - 225

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Page 226

# Reference Number Complaint Date Company Name Complaint Info Comments

1060 97737385 07/13/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $109 for the last two 

years to cover their student loan consolidation services. So far she has paid them 

$2544 which has not gone towards her student loan debt. She just received a letter 

from the FTC regarding action being taken against Ameritech. UPDATE 7/13/2018 

Consumer is calling to add information. She says she began with Ameritech Financial 

in 10/01/2016 and the last payment made to them was in 03/01/2018. 

1061 97737581 07/13/2018 Ameritech Financial 

I was told by Ameritech they would consolidate my loans and if I paid for 10 years, they 

would forgive my loans. They charged me $100 per month for 6 months plus start up 

fees to enroll in the program. They told me to say I supported lots of family members 

so I could get a better deal. When I was going through a divorce a year later, they said 

I still had to get my husband's signature on the paperwork even though I told them it 

was not safe for me to do so. They continue to ask me for updated paperwork and tax 

info frequently, the most recent was Feb 2018. I would like my money refunded from 

this company. I estimated $1000 they have charged me, but it may be more.

1062 97737614 07/13/2018 Ameritech

Consumer is calling saying she had received a letter from the FTC about Ameritech. 

Consumer says she wants to file a complaint against them. Consumer says she had 

sent them around 3000 dollars in total.

1063 97737638 07/13/2018 Ameritech Consumer reports that she was with Ameritech for seven months but later cancelled 

her account with them. Consumer wanted to be included in the suit.

1064 97746065 07/13/2018 Ameritech

Consumer states that she received a letter from the FTC for the Ameritech Case. 

Consumer wanted to add her complaint with us. Consumer did not have a dollar 

amount of what she has paid.

1065 97746311 07/13/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

1066 97746374 07/13/2018 Ameritech

Consumer is calling to report that she received a letter from the FTC about Ameritech. 

Consumer states she received a letter from someone claiming to be with Ameritech 

stating that they could consolidate her student loans. Consumer called and signed up 

for their services. Consumer paid a total of 800 dollars through her checking account.

1067 97752783 07/13/2018 Ameritech Financial

Consumer received a letter from the FTC in regards to the case against Ameritech 

Financial and would like to know more bout the case. He does not want to file a 

complaint. He was referred to the FTC website to read more about the case.

1068 97753285 07/13/2018 Ameritech Financial

Mother was targeted by charles anderson and then she referred me to consolidate our 

student loan debt. Both of our credits have taken a substantial hit and we'd be happy to 

provide further info to help. We are devastated.

Ortiz Attachment A - 226

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 227 of 511
Page 227

# Reference Number Complaint Date Company Name Complaint Info Comments

1069 97753299 07/13/2018 Ameritech

Consumer is calling to report that he was contacted with a letter in the mail by 

Ameritech offering their services to consolidate student loans. Consumer contacted 

them and set up payment plans with the company. Consumer states that he has paid 

$2376 total.

1070 97753369 07/13/2018 Ameritech Financial

The consumer is calling in regard to Ameritech Financial. Consumer was contacted by 

Ameritech Financial regarding a loan forgiveness program. Consumer states that she 

was charged an upfront fee and payments were withdrawn from her checking account 

up until she canceled the service. Consumer has no other information at this time 

regarding the upfront fee and total amount she paid them.

1071 97753402 07/13/2018 Ameritech

Consumer is calling saying he had received a letter from the FTC about Ameritech. 

Consumer say he wants to file a complaint against Ameritech. Consumer says he first 

got in contact with them through mail.

1072 97753448 07/13/2018 Ameritech

Consumer is calling to report she received a letter from the FTC from the Ameritech 

since she is currently actively receiving services with them. Consumer states she 

started of with $173 a month and now she's paying $99 a month which comes out 

automatically from her banking account. Consumer first received a letter from them 

offering her their services and she called them.

1073 97759398 07/13/2018 Ameritech Financial

Consumer received a letter from the FTC regarding the Ameritech Financial. She has 

called to cancel her account and was denied the refund. Consumer had been paying 

every month for a yr $120, then the payment dropped to $99. Says when she called 

them they tried to explain that they are right and are helping her.

1074 97759517 07/13/2018 Ameritech Financial

Consumer received a letter from FTC about Ameritech Financial, about 3 years ago 

consumer received a call stating she qualified for a student loan forgives from Fed 

Loan, later they sent her a mail stating it was going to be through Ameritech Financial. 

Consumer started to pay Ameritech Financial 100 dollars a month, consumer 

contacted Fed Loan and they told her none of this money has been going towards her 

loans.

1075 97759647 07/13/2018 Ameritech Consumer reported that she recieved a letter from the FTC regarding Ameritech. 

Consumer states she has been with the company for 2 years. Call was disconnected.

1076 97759937 07/13/2018 Ameritech Financial

I had called the company up to find out how they could help me reduce my loan. I was 

told that I could pay half the price for half the time. And I was also told that the money 

would be going to make payments on the loan. The past year I called to inquire on 

what to report on my taxes, I was told that there were no payments made on the loan. I 

don't like the fact that I am paying on a program that is free to me.

1077 97760146 07/14/2018 AmeriTech Financial 

i hired ameritech financial because my student loans were killing me. i was told by the 

representive that my payments would only be $100 a month. i did pay them around 

$900 to consolidate my loans and lower my payments and my monthly payment would 

go towards the principal of my loan. all of which is a lie.

Ortiz Attachment A - 227

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Page 228

# Reference Number Complaint Date Company Name Complaint Info Comments

1078 97760393 07/14/2018 AFBC

I had just moved in with my parents while we waited to close on our house in 

 Utah. We were looking to trim our budget and this yellow mailer came in the 

mailbox about decreasing our student loan payments. I called of course was very 

happy about the prospects of decreaseing our $400 dollar payment a month to $99 a 

month. I was told that after 20 years I would have loan forgiveness. I asked if I should 

contact my lender to figure out if this was a legitimate operation and I was discouraged 

from doing that because they would just say no because I was decreasing my payment 

and that was obviously not in there best interest to call. I was also required to give my 

MOHELA user name and password so they could help manage my account. I was 

required to pay $200 a month for 4 months prior to having the decrease in my loan of 

$99 after that. I was still so happy about cutting my payment in half that seemed like a 

great deal. I have been paying on my loans this way since December 2015. We have 

loved the relief of having to pay just $99 a month, but I'm extremely angry that this isn't 

the play that was described to me. I'm sure many are in the same boat. I have had to 

send in updated financial information about every 6 months for them to "keep me in the 

program".

1079 97766525 07/14/2018 Ameritech

To whom it may concern, In August 2017, I contacted Ameritech due to a letter I 

received in the mail from them. My conversation with them consisted of a 10 year

plan to pay off my student loans. I was promised that all student loans that qualify 

would be consolidated into one payment. Ameritech also stated that I qualified due to 

my place of occupation of work was for a nonprofit organization. During our 

conversations, they talked poorly of other company's such as navient on how they take 

advantage of people and do not inform them of such programs. During the beginning 

months I asked questions regarding the 10 year plan such as an exact end date. They 

never really did answer my question. But still at the time really did not think much of it. 

Also another time I inquired about an email I received about being delinquent on my 

loans. Shortly after I did not receive anymore notifications. My impression was that it 

was at the beginning stages of the consolidation, and all was still being worked out. 

During my total time with them, they first took money out of my account under the 

name ACH RAM. Then in January they changed name to the department of 

education. Recently, I received a 

letter from the federal trade commission regarding this company. That they are 

currently being sued due to the company does not pay my student loans as promised. 

Please contact me of any other information you may need. Thank you 

Ortiz Attachment A - 228

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Page 229

# Reference Number Complaint Date Company Name Complaint Info Comments

1080 97766623 07/14/2018 Ameritech

I started this program to be forgiven of my outstanding student loans. I started this 

program on September of 2016. The representative, Grant Davis informed me that 

after a certain amount of years being with this program, (10 years), I would be forgiven 

of my loans indefinitely. Every so often, when I received notifications from Ameritech to 

renew my repayment plan, I asked them when is the final date for the repayment plan 

and I have never gotten a straight answer. They would state that based on their 

policies, as long as I continue to make these payments, I will be forgiven in a few 

years. Even when I asked if these payments are going to my loans, they indicated that 

it is not and I am paying for their serivce and nothing more. I honestly feel betrayed 

because I am sharing personal information to a company that is not doing what they 

should be doing....ensuring that we, the customers are forgiven from their federal 

student loans.

1081 97766694 07/14/2018 Ameritech Financial

My experience in the beginning with Ameritech Financial was great. They told me 

everything I wanted to hear. I had a low monthly payment based on my income. Having 

to re-submit proof of employment and pay stubs after the first year was kind of a pain, 

but things were still ok. Year two comes around and things had changed completely. 

After being contacted by my creditor, I contacted Ameritech Financial. It was time to 

submit my financial statements once again. Since I had gotten married, they wanted 

my income and my wife's income. This totally threw things off and made my payments 

go up. Plus I found out that I had to pay AF for their services and pay my creditor on 

top of that. Two years of paying for a service that was doing absolutely nothing for me 

except putting me further behind with my creditor.

Ortiz Attachment A - 229

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Page 230

# Reference Number Complaint Date Company Name Complaint Info Comments

1082 97790194 07/14/2018

Ameritech Financial|Ameritech 

Financial|University of MarylandUniversity College

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: Last year, I consolidated my student loans into 

a single student loan with the help of Ameritech Financial. Due to prior cancer 

treatment, I was having hardship making the payments as requested and was offered 

a method of making minimal payments until I got a job again, as well as the potential 

for loan forgiveness.Ameritech consolidated my loan and set up automated payments 

of $108 through Reliant Account Management LLC. These payments went out on the 

4th or 5th of each month starting in November 2017, while the loan was consolidated 

under Nelnet.Recently, I received a letter from the FTC stating that Ameritech was 

being sued by the FTC for their practices. Upon review of my Nelnet account, I 

discovered that not a single payment was made to my debt since it's consolidation, 

excepting the payments I had set up individually in March. So my debt had gone up by 

several thousand dollars.It was also discovered that Ameritech had changed the 

contact number on my Federal Student Aid account to an unknown number, thereby 

preventing me from receiving any calls regarding my accounts. This has since been 

fixed, and the password changed.As a result of these practices, I am no several 

thousand dollars more in debt and have likely taken a hit to my credit score. --- Fair 

Resolution: A full refund of all fees paid that were not paid forward to my debt, as well 

as any fees paid to consolidate the debt under such shady practices. Coverage for the 

resulting unpaid interest that rocketed up my debt would also be appreciated.In 

addition, total divestment of all my personal information and account information from 

their databases. --- School Unit ID: --- School OPE ID:

1083 97774263 07/15/2018 Ameritech Financial

1084 97774605 07/15/2018 Ameritech

i was sent a letter in thr mail telling me aneritech was not paying anything towards my 

student loans, i called ameritech and it took them 5 days to call me back in the mean 

time i contacted financial aide and found out i was put on a $0 repayment plan that i 

knew nothing about. when ameritech finally called me back the guy told me they would 

not give me any of the money i paid them over 16-17 months back. The guy kept 

saying i would be better off staying with them and was very rude. The information he 

kept saying is not the information i was told when i went to them. when i went to them i 

was told that i had to pay them so much a month then the rest of it went towards my 

loans. I was never informed about a $0 repayment plan and am very unhappy. I mean 

who wants to pay someone $2,373 then find out non of that has gone towards my 

student loans. If i would have known all this i would have never used this company. 

And im really wanting the money back that i paid bc its not fair. And ameritech will not 

work with me or grant me the refund i asked for. Other-Other Update

Ortiz Attachment A - 230

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Page 231

# Reference Number Complaint Date Company Name Complaint Info Comments

1085 97774692 07/15/2018 American Financial Benefits 

Center

This company contacted our daughter after she graduated from college. She is 

working in Japan now and they told her they would help her by keeping things current 

and letting her know when she needed to do her yearly updates on her student loans. 

We recently found out from Great Lakes who handles her loans that they we're in no 

way affiliated with them and that AFBC had changed her status to say she has 5 

dependents. She is single with no children. Great Lakes suggested we contact you. 

 Other-Other Update

1086 97774709 07/15/2018 Ameritech

im writing because i just received a letter saying that the company that i been paying 

my student loan is not making payments on my behalf . i been using this company for 

almost 2 years. i need help , i don't know what to do.can someone give me an advice. 

thanks

1087 98933919 07/15/2018 Ameritech Financial

I was sent a letter from federal trades commission telling me that Ameritech financial 

has not been paying anything towards my student loans. I contacted Ameritech and 

asked for my money back since I paid them 2,373 with the understanding that it would 

be going towards my student loans. When I asked them for a refund they told me no. I 

am not very happy I mean who wants to pay over 2 grand then find out none of it has 

gone towards what it was supposed to. I just want the money I paid back so I can take 

care of everything that was supposed to be taken care of in the first place. --- 

Additional Comments: Just want the money I paid them back

1088 97220667 07/16/2018 Ameritech Financial

Consumer states that she has rec'd an FTC v. Ameritech Financial letter. She was 

referred to Nelnet by Ameritech Financial. Consumer states that she has enrolled in 

the membership. She has called to cancel. They said they would.

1089 97220847 07/16/2018 Ameritech Financial

Consumer received a letter from FTC regarding Ameritech, consumer was not aware 

with what was going on. Consumer was calling in regards to the refund consumer also 

asked if these payments were going towards to his student loans and they advised him 

that it was. No further information provided.

1090 97781690 07/16/2018 Ameritech Consumer stated that she received a letter from FTC regarding Ameritech. Consumer 

received a call from Ameritech offering a loan forgiveness program. Consumer had to 

pay $82 up front cost on her debit card and $82 per month starting in April 2018.

1091 97781749 07/16/2018 Ameritech Finacial

Consumer reports she got a membership with Ameritech Financial to lower her student 

loan payment which would lead to loan forgiveness, consumer was making monthly 

payments and paid them $2,000 in total but recently found out they haven't been 

helping her make payments and they're being sue by the FTC.

1092 97781766 07/16/2018 Ameritech Financial

The consumer is calling concerning the Ameritech Financial lawsuit. Consumer did 

business with them around 600 dollars in order to help her reduce her student loan 

debt. Consumer was referred to Ameritech Financial after her sister recommended 

said company.

Ortiz Attachment A - 231

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Page 232

# Reference Number Complaint Date Company Name Complaint Info Comments

1093 97781929 07/16/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$6000 over the course of two years.

1094 97782011 07/16/2018 Ameritech Financial

Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate she has been a customer since 2015 and is paying $199 

month and payment was drafted out of her account.

1095 97782033 07/16/2018 Ameritech

Consumer is calling to report that he received a letter from the FTC about Ameritech. 

Consumer states he received a letter from Ameritech stating that they could 

consolidate his student loans. Consumer paid a total of 2400 dollars through his 

checking account.

1096 97782134 07/16/2018 Ameritech Finacial

Consumer calling stating that she received a letter from Ameritech stating that they 

where taking her money and charged illegal upfront fees and failed to deliver on there 

promises to enroll her into a government program as they had claimed.

1097 97782186 07/16/2018 Ameritech Finanicial

I was contacted by Ameritech in 2016 for student loan debt forgiveness program. They 

told me that I would pay a lower amount and that it would go towards paying my 

student loan and after so many payments my debt would be forgiven. My payments 

were automatically taken out of my account on the 20th of every month. I paid $287 a 

month for 4 months 11/20/16-3/20/17 then my payments went down to $99 a month 

starting 4/20/17. I was told the break down was $100 for enrollment fee, $99 plan fee, 

and $80 for the program fee. I would have to pay the $800 fee off first then after that 

was paid $20 per month would go towards by student loan. Once the $800 fee was 

paid I questioned Ameritech because nothing was being paid toward my student loan 

and the balance continued to grow. After about 8 months of paying $99 when it came 

time to recertifiy I declined. I stoped paying Ameritech and they tried scare tactics to 

keep me on as a paying customer. I reached out to my lender Nelnet for guidance and 

came to find out that they never received any payments from Ameritech.

1098 97782206 07/16/2018 Ameritech Financial

Consumer calling about the letter she rcv'd from the FTC vs Ameritech Financial. 

Consumer states her student loans have been late because they haven't made 

payments to them. She states she had agreed to pay them $110/month for 52 months 

and after that her loan would be forgiven.

Ortiz Attachment A - 232

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Page 233

# Reference Number Complaint Date Company Name Complaint Info Comments

1099 97790835 07/16/2018 Ameritech Financial Services

I started talking to them around August 1, 2017 after receiving a letter from the mail 

regarding "Student Loan Payment Reduction and Forgiveness" offer. I immediately 

called them through the phone number provided in the letter. I talked to a certain 

Brandon Panganiban of their company he identified as "Ameritech Financial Services." 

He told me to write down the money I can save if I am going to proceed with the 

company's offer.He told me my loan will be reduced and can save up to 65, 820.00. 

But before that, I need to pay them an upfront payment. I couldn't recall how much 

(around 300.00 I think), but after I electronically signed the documents they sent to me, 

they had been collecting 173.00 monthly. I think I started paying the following month 

after the "contract signing." The reason for agreeing with this payment is that he told 

me after 13 months of paying 173.00, it will be reduced to $119.00/month. Ameritech 

also used nelnet.com as the other company for my student loan. I didn't realize that the 

payments I had been giving them did not help reduce my educational debt. I am 

devastated after learning about their deceptive ways to obtain money from poor people 

like me. I am grateful to Federal Trade Comission (FTC) for notifying me regarding this 

issue. I still have that piece of paper where I was told to write the money I can save for 

the next 25 years, and emails and other documents as proof. Thank you so much for 

hearing me out.

1100 97791220 07/16/2018 Ameritech Financial

Consumer reports he got a membership with Ameritech Financial to get help lower his 

student loan payments that lead up to loan forgiveness, consumer paid them for two 

years and just recently found out about the lawsuit we have against them, consumer 

states he has been trying to get in contact with them but its always busy line.

1101 97791482 07/16/2018 Ameritech Financial

Consumer received a letter from FTC regarding Ameritech refund. There was a # 

given to call has a promotional ad on it. Consumer paid $528 via his cc. Consumer was 

not made aware of the fees upfront.

1102 97791599 07/16/2018 Ameritech

Consumer states she got a letter from the FTC 07/08/2018 for Ameritech. She signed 

up with Ameritech in 09/2016 207 for a year and then dropped to 99 a month that was 

direct withdrawl from her bank through Account Management Plus.

Ortiz Attachment A - 233

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 234 of 511
Page 234

# Reference Number Complaint Date Company Name Complaint Info Comments

1103 97791621 07/16/2018 Ameritech Financial

I received a mail from Ameritech regarding my loan with The Department of Education 

through Navient. The mail requested that I give them a call because of the amount of 

my loan which was in excess of $30,0000.00, I qualify to apply for the Loan 

Forgiveness Program. I called the number on the correspondence and spoke with a 

representative by the name of Michael Lopez. I provided Mr. Lopez with my Navient 

information and also the other pertinent information that they required for me to act on 

my behalf. From April 16, 2016, I was billed $207.00 monthly by Ameritech. This sum 

was deducted from my account every month for eleven(11)months with the last 

deduction of this amount on February 17, 2017, totalling$2,277.00. For four(4)months 

beginning March 17, 2017, Ameritech deducted $99.00 monthly from my account with 

the last deduction on June 19, 2017, totalling $396.00. In total I have paid Ameritech 

$2,673.00. I was advised by Ameritech that they would apply for the Loan Forgiveness 

Program and I was not told, neither was I was aware that this is a free service provided 

by the Department of Education and that I should not have been charged for this 

service. Other-Other Update

1104 97791632 07/16/2018 Ameritech Financial

Consumer reports they received a letter from Ameritech Financial offering a lower 

monthly payment on their student loan and promised a total loan forgiveness after 5 

years. Consumer reports they were paying $132 a month.

1105 97795310 07/16/2018 Ameritech Financial

Consumer states that she hired Ameritech Financial approximately during 2016. 

Consumer agreed to pay $99 per month for about 7 years to have her student loans 

forgiven. Consumer states that she just verified with her lender that no payments were 

made to her loans. Consumer states she called Ameritech Financial 07/16/18 to 

cancel her account but was told they would call her back.

1106 97795462 07/16/2018 Ameritech

I recieved an mail that FTC is filing a case/suit againt ameritech,the company i have 

been using to repay my Student loans. I heen paying for 6-7months now. They promise 

to reduced my montly payments from $83 dollars that im curretly paying to $33 dllars 

after 2 years. I spoke wih one of there reprsentive name Wilson Wesi, we exchange 

emails about the services they provide and how i would be saving money on repaying 

my student loans with their plan. This is just is unfair i have been paying for 7months 

and where have my money gone too. what was i paying $83 dollars for in the first 

place. I hope the FTC win the case so i can get all my money pay and put it towards 

my loan myself. JUSTICE NEEDS TO BE DELIVERED HERE!!

Ortiz Attachment A - 234

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 235 of 511
Page 235

# Reference Number Complaint Date Company Name Complaint Info Comments

1107 97795642 07/16/2018 Ameritech Financial

Ameritech Financial called me in August of 2017 from an 800 number and told me that 

I qualified for an income driven payment and that they would take care of my student 

loan payments. If I paid $173.00 a month for one year by a direct debit from my bank 

account, they would make sure my student loan was being paid and that in 10 years I 

would be totally debt free from student loans. They did tell me that after one year of 

paying $173.00, my payments would drop to $99.00 a month. I was never told 

anything regarding Ameritech keepping the money entirely to themselves which is what 

has happened. When I called to complain, they said they needed additional 

information from me. However, they never stopped collecting the $173.00 from me nor 

did any money or payments get sent to the Dept. of Education. I was severely 

misinformed and misled. So for 11 months they have received $173.00/month, yet I 

still owe the same amount in student loans as I did when this all started last August of 

2017. Please helo me in resolving this matter as I would like to clear up my student 

loans ASAP. Thank you, 

1108 97795781 07/16/2018 Ameritech Financial and FEBC 

aka RAM

I was contacted by Ameritech via cold call and they misrepresented their services to 

me and did not make me aware that they charged for their services. I was notified by 

the FTC via mail dated June 27, 2018 that there is a Notice of Lawsuit. I contacted 

Ameritech on July 16, the day I learned of this lawsuit, and was informed by a 

representative (Paul) that they will not refund my money for the services they provided. 

I understand that they should be paid for their services, and they are charging me $108 

per month, but I would like a full refund because they told me that they set up loan 

forgiveness after a period of time but there no evidence other than their promise that 

any portion of my loans will actually be forgiven. Because our relationship was initiated 

based on material misrepresentation this is a deceptive trade practice and therefore 

illegal under the law and I am requesting full reimbursement of fees paid to them as a 

result.

1109 97800761 07/16/2018 Ameritech Financial

In April of 2017, I received a letter in the mail from Ameritech Financial that I can 

qualify for student loan forgiveness. I had to make four upfront payments and have 

been making monhtly payments to this company to assist with my student loans. 

However I was notified via mail that the FTC is suing Ameritech Financial for deceptive 

practices.

1110 97800861 07/16/2018 Ameritech

I have been under service with Ameritech since May 2017. They asked me to pay a 

$800 service fee before they could consoildate my loans. They also promised me I 

could have my loans forgiven through the Public Service Forgiveness Program since I 

am a teacher in a Title 1 school. Since paying my service fee, AMeritech has directly 

debted $100 dollars from my bank account and has yet to consolidate or pay towards 

my student loans. I have reached out to Ameritech to discontinue my services and ask 

for a refund of payments I have made. I was directed to answering service which has 

yet to respond.

Ortiz Attachment A - 235

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 236 of 511
Page 236

# Reference Number Complaint Date Company Name Complaint Info Comments

1111 97800961 07/16/2018 Ameritech Financial

The consumer received a letter from FTC concerning the notice of a lawsuit with 

Ameritech Financial. Consumer did business with them to get his student loan back on 

track. Consumer is paying 82 dollars per month. Consumer had received a letter from 

Ameritech Financial offering their services.

1112 97801002 07/16/2018 Ameritech Financial I’m highly upset because I was under the impression that the payments I was making 

to this company we’re going towards my student loans. Other-Other Update

1113 97801110 07/16/2018 Ameritech

They promised to reduce my total student debt amount by $10k and reduced monthly 

payments down to $82. Both my mother and I were there on the phone. I’ve been 

paying for three years. I’m livid and want them to reimburse me for these three years of 

lies.

1114 97801137 07/16/2018 Ameritech Financial

Consumer states she got a letter from the FTC about Ameritech Financial. She saw 

the ad on TV and got it set up in 12/15/2016. She did call for a refund and they put her 

status on hold. She paid 207 for 10 months and she 99 for 3 months ending 07/2017. 

They did not refund her money. Update 07/16/18: Consumer is calling to report that 

she is giving number for Ameritech. 

1115 97801427 07/16/2018 Ameritech Financial

Consumer reports that she is a victim of the Ameritech Financial. Consumer says as 

soon as she finished school they began to contact her offering assistance to pay off 

her student loan. Consumer says they began to offer her there services and get her on 

a payment plan. Consumer paid about 12 payments of $82 month. Consumer later 

found this to be suspicious as her student loans where not going down. Consumer 

received a letter from the FTC about the lawsuit with Ameritech Financial. Consumer 

also provided personal information including SSN.

1116 97801534 07/16/2018 Ameritech Financial

I was contacted in 2016 by this company. I was told they were part of a program 

approved under Obama in which my payments could be substantially less than what I 

was paying. They said my payments would be $99.00 a month drafted from my bank 

account and that this would go towards my school loans. I just received a notice from 

FedLoan services saying I have missed payments and it turns out Ameritech has not 

been making payments on my behalf at all. I now have know idea what to do and how 

to get my money back or get my student loans back on track.

1117 97801559 07/16/2018 Ameritech

Consumer is calling to report that she received a letter from the FTC regarding the 

lawsuit against Ameritech Financial. Consumer states she contacted the lender of her 

student loans she was told they had no knowledge of this company. Consumer 

disconnected call and was unable to provide further details.

Ortiz Attachment A - 236

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 237 of 511
Page 237

# Reference Number Complaint Date Company Name Complaint Info Comments

1118 97808260 07/16/2018 Ameritech Financial

I received a letter in the mail in 2016 telling me that these people could reduce my 

student loan debt by calling them so I did. Apparently they consolidated my loans and 

got me on an income driven repayment plan while charging me several hundreds a 

month as “processing fees”. i contacted them numerous times to ask how this was 

helping me save money as i was spending way more paying them while my student 

loan debt climbed with interest as they told me to stop making payments and they 

would handle payments. Eventually after over a year they told me that if I continue to 

make qualifying income based payments through them my debt “might” go away in 24 

more years. I did my research and found that what they were doing i could do myself 

for free. I told them I wanted to cancel in mid-2017 and they tried talking me out of it 

saying I was making a poor decision and that I would end up making mistakes if I did 

things myself. I refused and cancelled all ties with Ameritech. Several weeks ago i 

received a letter from the FTC that Ameritech is being sued for deceptive practices. I 

certainly believe I was a victim of their deception and so am sharing my story. OtherOther Update

1119 97813758 07/16/2018 Ameritech Financial

I was contacted by Ameritech Financial regarding my student loans that were in default 

and was informed that their services would allow me to come out of default of the loan 

within a few months. I have paid a total of $649.00 as of 6/28/18 for assistance from 

AmeriTech Financial and none of my payments have gone towards my Student Loan 

balance. I have spoken with the Customer Service Representative Adam Sparacio on 

several occassions but he has informed me that my payments are applied to my loan 

and after receiving this notification of this lawsuit regarding fraud, I knew that I needed 

to report this matter regarding AmeriTech Financial. I will be contacting them to cancel 

my membership immediatiely. I am also interested in a refund for the monies I have 

paid. I have also contacted my financial institution regarding stopping payments from 

RAM. I hope that the court ruling will allow all parties involved to be refunded their 

monies for the fraudulent activities made by this company.

Ortiz Attachment A - 237

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 238 of 511
Page 238

# Reference Number Complaint Date Company Name Complaint Info Comments

1120 97830946 07/16/2018

HHB/AMERITECH|Capital One 

Financial Corporation|The 

University of Texas at Arlington

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I received a letter from the federal trade 

commission saying that Ameritech Financial is being sued for deceptive practices. 

According to the information on my loan account my loans were consolidated on 

3/21/2016. This is when I joined Ameritech financial.My first year and half was $250.00 

a month, then it was lowered to $99 a month. I had several calls from other companies 

asking me to move over to their company, I am a consistent individual so when I am 

with a company I stay with the company.Ameritech contacts me via email when I make 

a payment, before a payment is due and what it will read on my bank statement. I 

never thought they would be sued. Here is where they started to "rub me the wrong 

way".I had to change bank accounts and in that process I contacted Holly Haverson 

with Ameritech asking her to give me the address so I could sent them a money order. 

I did not hear from her so I sent it to the wrong company (Fed-loan Servicing). She 

contacted me later saying I was behind on my payments and they never received the 

money. I let her know that I sent it to Fed-Loan Servicing and she said none of my 

payments are going toward the balance of the loan... Confused I said, how do I get the 

money back? She said I needed to call Fed-Loan Servicing directly... That was October 

2017... I still have not gotten the money back for that transaction.Holly contacts 

anytime they do not receive a payment or my payment is late because of automatic 

drafts, however contacting them is a long phone call, and days of waiting.I did take the 

time to change my password and information for Fed-Loan Servicing and FSA as 

advised in the letter. Through these websites I have seen that my overall balanced has 

increased significantly, as if payments have no been made since 2016.I am angry, 

confused, and disheartened, because I have given a portion of my earned income 

each month hoping that my, now consolidated loans, would be lowered.As a consumer 

what can you do for me? --- Fair Resolution: I would think a FAIR resolution is 

refunding me all my payments made since 3/21/2016 so I can place them toward the 

balance of the account, since they failed to do so. --- School Unit ID: --- School 

OPE ID:

Ortiz Attachment A - 238

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 239 of 511
Page 239

# Reference Number Complaint Date Company Name Complaint Info Comments

1121 97830948 07/16/2018 Ameritech Financial|Ameritech 

Financial

CFPB Sub product: Federal student loan debt --- CFPB Issue Type: False statements 

or representation | Indicated you were committing crime by not paying debt --- What 

Happened: I enrolled in Ameritech Financial in November of 2017 and started 

immediately paying $237.00 a month for them to assist me with my school loans. ( 10 

months of payments)Ameritech Financial led me to believe that they were assisting me 

with my school debt and that they would be acting in my best interest. None of the 

money that I have paid to them has gone towards the amount of my student loan. I 

have not seen any benefits from their services, absolutely NONE..I called the 

Department of Education and they stated that they have never heard of this company 

and my arrangement with them was not notated on my account.I have called them to 

get confirmation on this matter, but I am told due to high volume calls they will get back 

with me within 24 hours. JOKE on me. I emailed the company and requested that 

they would not deduct the next payment from my account without clarification of their 

services.They prey upon the desperate people who already can not afford the high 

student loan repayments.. So sad --- Have contacted: CC Issuer --- Fair Resolution: I 

would like for my money to be applied to my student loan account or refunded to me 

immediately so that I can make that transaction on my own.

1122 97830994 07/16/2018 Ameritech Financial|Ameritech 

Financial|Faulkner University

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: August 08/15/2016 I started pay my federal 

student loan through Ameritech Financial.I contacted the original lender on the loan 

and found out that none of the money I was paying AF was actually going towards my 

student loan. I made monthly payments from 08/15/2016 through 08/29/2017 in the 

amount of 173.00 per month. Then AF told me my payments would decrease to the 

amount of 99.00 per month after one year.After I contacted the original lender and 

found out that none of the money was being applied to my student loan, I went to my 

financial institution, and stopped the automatic withdrawal, which cost 22.00. 

AcctMgtPlus and GCS 800-398-7191 are the two companies that withdrew monthly 

payments.I received a letter from Federal Trade Commission dated June 27, 2018, 

about the law suit against AF and the steps that I needed to take.I have contact AF to 

request a refund. The only response I have gotten is the 2 emails attached.I have also 

attached a bank statement showing where the withdrawal was taken out of my 

account, signed and dated by my banking institution. --- Have contacted: CC Issuer --- 

Fair Resolution: Total amount paid to AF was 2,447.00. I cannot afford to sweep this 

under the bridge. This company is fraudulent and they should be responsible for 

paying every dime of my money.I have attached all documents. Please help!! --- 

School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 239

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 240 of 511
Page 240

# Reference Number Complaint Date Company Name Complaint Info Comments

1123 97831082 07/16/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Struggling to repay your loan | Problem lowering your monthly 

payments --- What Happened: paying student loan back through Ameritech and AES, 

through a loan program UNCNS. We have made automatic payments 

through a M&T account for over ten years, but the balance does not decrease it 

increases and at this time we are having difficulty making a payment that seems to be 

working in the reverse. I have contacted the company and the bank but every month 

the payment comes out and we go further behind. --- Have contacted: CC Issuer --- 

Fair Resolution: we would like to see in writing this accounts history. recent retirement 

has decreased out income.

1124 97917423 07/16/2018 Ameritech|Ameritech Financial

CFPB Issue Type: Fraud or scam | --- What Happened: Ameritech reached out to me. 

My husband was murdered and I was under hardship and they contacted me. I thought 

they were a legitimate company. They informed me that due to my hardship I would be 

eligible to have loan reduction for my student loans and I had to pay into their company 

monthly. They took approximately $190 and change from my checking account each 

month. This went on for approximately 2 years duration. I started questioning them and 

asking more questions because I had post traumatic syndrome from my husband’s 

murder and I became suspicious when I was questioning them they reduced the 

amount I paid each month to $99. That made me suspicious. I in turn called and talked 

to Nel Net and they informed me that the company was taking advantage of me and it 

was not a legitimate company. I called them back and they told me more or less that 

Nel Net was lying and I was confused, which was intended obviously. Around 4th of 

July I received a letter in the mail from the Federal Trade Commission in regards to a 

lawsuit against Ameritech. I followed the protocol in which the Federal Trade 

Commission told me to follow. They told me to cancel my membership and ask for a 

refund from Ameritech, in which I did. I was given the run around and calls were not 

returned to me when I was told they would be. I was told that I would not receive a 

refund by a guy named Gabe. Gabe told me that I would not receive a refund, I was not 

entitled to one. I canceled my membership with them. I have not received anything to 

show that they membership was actually cancelled though. This makes me suspicious 

that they may go into my account still I will have to close my bank account now. --- 

Have contacted: CC Issuer --- Fair Resolution: I want them to refund all the monies 

that they have stolen from me or I will pursue this to the fullest extent of the law.

1125 98605067 07/16/2018 Ameritech Financial

Ameritech charges to provide services that the government's student loan department 

provides for free. Once involved, they are confusing, provide no information, and lost 

all of my documents. I also felt pressured into skimming over information. --- Additional 

Comments: I have already paid them to provide a free service. So, I just want them to 

leave me alone. I don't want to continue their scam service.

Ortiz Attachment A - 240

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 241 of 511
Page 241

# Reference Number Complaint Date Company Name Complaint Info Comments

1126 97365140 07/16/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $99 for the last seven 

years to cover their student loan consolidation services. He just received a letter from 

the FTC regarding action being taken against Ameritech.

1127 97370702 07/16/2018 Ameritech Financial

I was contacted via mail by Ameritech Financial in February of 2016 offering help 

consolidating my student loans based on my income. I was paying $576/month for two 

loans and was struggling to make the payments, so I called the number on 2/5/16. I 

was led to believe that my monthly payments would go to the loan companies (Great 

Lakes Financial and AES), and they would be income-based so they went down to 

$99/month, which was very affordable to me. I paid Ameritech three monthly 

payments of $407, on 3/4/16, 3/21/16, and 4/19/16. After that, my payments were 

$99/month. This was from 5/19/16 until 3/21/17. I got married in November of 2016 

and we started filing our taxes jointly, so I was no longer eligible for my income-based 

payments. I canceled my agreement with Ameritech and began paying my loans 

directly to the companies again. All told, I have paid Ameritech $2,310 and none of 

that went towards my actual student loan debt. I believe I have been frauded and 

misled by them.

1128 97375836 07/16/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $98 for the last year 

to cover their student loan consolidation services. She just received a letter from the 

FTC regarding action being taken against Ameritech.

1129 97375892 07/16/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $82 for the last year 

to cover their student loan consolidation services. She just received a letter from the 

FTC regarding action being taken against Ameritech.

1130 97376664 07/16/2018 Ameritech

Consumer got a letter from the FTC about the Ameritech Complaint. Consumer will 

close out her bank account. Consumer lost $686. UPDATE 071618:Consumer stated 

they are denying refund. 

1131 97459112 07/16/2018 Ameritech Financial

Consumer reports that he is a victim of the Ameritech Financial. Consumer says as 

soon as he finished school they began to contact him offering assistance to pay off his 

student loans. Consumer says they began to offer him there services and get him on a 

payment plan. Consumer made payments of 13 months paying up to $2847. 

Consumer later found this to be suspicious. Consumer received letter from the FTC 

about the lawsuit with Ameritech Financial. Consumer also provided personal 

information including SSN.

1132 97563572 07/16/2018 Ameritech Financial

Consumer stated she received a letter from the FTC about Ameritech and wanted to 

find out more information. Consumer was enrolled in their loan forgiveness. Consumer 

was told their was a $800 upfront cost and would factory that payment into her monthly 

payments of $109 per month. Consumer paid an auto payment for three years so far 

out of her checking account.

Ortiz Attachment A - 241

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 242 of 511
Page 242

# Reference Number Complaint Date Company Name Complaint Info Comments

1133 97593279 07/16/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $132 for the last year 

to cover their student loan consolidation services. So far she has paid them $1620 

which has not gone towards her student loan debt. She just received a letter from the 

FTC regarding action being taken against Ameritech.

1134 97605187 07/16/2018 Ameritech

Consumer reports that he got a letter from FTC concerning the Ameritech lawsuit. He 

has sent them money and they have not paid any student loans. Consumer saw an ad 

for Ameritech online and has paid them. Consumer reports that Ameritech repeatedly 

asks him for his PIN # for Mohila.

1135 97702124 07/17/2018 Ameritech Financial

Consumer calling to report that he got a letter from the Ameritech. Consumer states 

that he contacted Ameritech Financial when he was looking for a student loan 

forgiveness plan. Consumer has paid $320 for the past 4 month. UPDATE: 7/17/18 

Consumer wanted to notify that the company will not give him a refund. 

1136 97814428 07/17/2018 Ameritech Financial 

I have been paying my loans through Ameritech for close to 4 years. And I still was 

receiving bills from the studen loans servicer. I would call and they would tell me that it 

would be fixed. The next month I would get another bill in the mail. I started to notice 

that my payments were not going toward my loans. They would even charge me for 

filing the paperwork.

1137 97814483 07/17/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $99 for the first year 

and $49 for the last five months to cover their student loan consolidation services. So 

far she has paid them $1433 which has not gone towards her student loan debt. She 

just received a letter from the FTC regarding action being taken against Ameritech.

Ortiz Attachment A - 242

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 243 of 511
Page 243

# Reference Number Complaint Date Company Name Complaint Info Comments

1138 97814494 07/17/2018 Ameritech Financial

 

tactics, they convinced me that it was in my best interest to transfer my student loan 

debt to them so as to save a considerable amount of money through deferment and 

reduced interest rates. Chris Patton, the technician I spoke with, used lies and deceit 

to tell me exactly what I wanted to hear and convinced me to manage my loans 

through Ameritech for immediate financial relief.My current loan payment amount at 

the time was approximately $288 monthly, and through Ameritech, I was told that this 

could be reduced to $100 monthly with an additional $200 to Ameritech for the first 

year as curator of the loan. I signed on with the assumption that an extra $12 a month 

for the first year was well worth reducing my loan payment to $100 in the long run. I 

August of 2016, I received notification that my loan payment was due. I was confused 

on the matter and emailed Chris Patton, yet he did not return any of my 

correspondences. A couple days before the payment was due, I called Ameritech 

directly. Here I was finally told that Ameritech was not responsible for making 

payments on my behalf. I realized then I will be paying them approximately $3600 to 

file paperwork. I was told that I could cancel any time, but would go back to paying the 

full $288 monthly loan amount, and now, an additional $800 to Ameritech from the 

months of May through August.I immediately wanted to speak to a supervisor to let 

them know I had been taken advantage of. After being put on hold for an extended 

period of time, plus the fact that I was on vacation, I ended the call. To add insult to 

injury, I then received multiple requests and reminders to ‘rate’ the conversation and 

encouraged to give a favorable review. The fact that they seemed to care more about 

service referrals to people I know and ratings made me realize that this was a sham 

organization caring only for commisions. I looked them up on the BBB (Better 

Business Bureau) and was not surprised to see that they weren’t even rated. 

Approximately a year later in August 2017, I received another call asking If I wanted to 

continue with Ameritech’s services now that the $200 payment after the first year was 

complete and I would only be responsible for around $90 a month for their ‘services’. 

My main concern was that I would go back to paying the full $288 loan amount, so I 

repeatedly asked if my payments would revert to the full amount if the contract was 

ended. The technician said that I would again be responsible for the full $288 monthly 

payment, so I felt I was resigned to maintain the contract. I later realized that 

1139 97814521 07/17/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $108 since May of 

2017 to cover their student loan consolidation services. So far he has paid them $1404 

which has not gone towards his student loan debt. He just received a letter from the 

FTC regarding action being taken against Ameritech.

Ortiz Attachment A - 243

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 244 of 511
Page 244

# Reference Number Complaint Date Company Name Complaint Info Comments

1140 97820721 07/17/2018 Ameritech Financial

Consumer has rec'd a FTC v. Ameritech Financial letter in the mail. Consumer reports 

that she had been enrolled for their services for over a year after they contacted her by 

phone. She has cancelled her membership with Ameritech Financial after she found 

out that she could have been taking care of this herself with Nelnet for free. She states 

that Ameritech Financial had her believing that Nelnet was fraudulent. Consumer has 

just contacted Ameritech and was informed that the FTC letter she has rec'd was 

fraudulent. She is expecting a callback from Ameritech. She feels cheated. She wants 

an refund for the work that she could have done for herself.

1141 97820827 07/17/2018 Ameritech Financial Consumer states he received letter from the FTC regarding Ameritech, he stats he has 

paid about $1500 with monthly payments since 07/17/2017.

1142 97820913 07/17/2018 Ameritech Financial

I was contacted origninally by Ameritech Financial in October to help me with my 

student debt- they claimed if I registered with them and paid the monthly fee at one 

point my debt would be forgiven....I paid monthly installments of $108 every month 

since November.... I then received a letter from the FTC regarding the law suit. I am 

hoping I can get a refund for the months I paid to them. I contacted them directly and 

received no resolution- they said someone would be calling me back regarding my 

opened case.

1143 97820953 07/17/2018 Ameritech

Consumer received a letter from FTC vs Ameritech. Consumer saw an ad online 

about student loan forgiveness. She called Ameritech and was told that they could help 

consolidate her student loans so she could pay it off sooner. She was asked for $588 

to participate in the program. She told them that she had been unemployed an could 

not pay. She worked out a payment plan. She paid $82 a month which $42 was going 

to pay the company fee. Consumer states that the second payment should have been 

$33 but was still paying $82.

1144 97821048 07/17/2018 Ameritech Financial

Consumer called in regards to a letter he received from FTC VS Ameritech Financial. 

Consumer wanted to know what he needed to do about this. Consumer states that he 

received a letter from Ameritech offering student loan forgiveness if consumer paid 

$300 per month for the first 6 months and $100 per month after.

1145 97821228 07/17/2018 Ameritech Financial 

I wanted to consolidate my student loans. I contact Ameritech in the hopes that they 

would help me. I sent them all documentation needed to support my request. I was told 

that if I pay $99 per month for 10 years my loans will be forgiven. Sounded good to me. 

Only to recieve a letter that this company is a scam. I try to cancel my membership, 

and was told someone will be in contact with me. No one has called. I have been 

paying them for the past year....$3000 gone (this included 3 large payments before the 

$99 payment kicks in) thinking im getting the assistance I needed. Can somsone help 

me with this?

Ortiz Attachment A - 244

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 245 of 511
Page 245

# Reference Number Complaint Date Company Name Complaint Info Comments

1146 97821307 07/17/2018 Ameritech

Consumer states that she received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states she was offered assistance with reducing 

her student loan from Ameritech. Consumer states that she was told if she paid $99 a 

month, they were able to forgive her loan. which she found out that no payment was 

going to her student loans. consumer wants to know how she can retrieve her money 

and where to receive additional information.

1147 97821347 07/17/2018 Ameritech Financial

Consumer reports that she is a victim of the Ameritech Financial. Consumer says as 

soon as she finished school they began to contact her offering assistance to pay off 

her student loan. Consumer says they began to offer her there services and get her on 

a payment plan. Consumer paid about 7 payments of $49 each. Consumer later found 

this to be suspicious because her payment was going elsewhere. Consumer received 

letter from the FTC about the lawsuit with Ameritech Financial. Consumer also 

provided personal information including SSN.

1148 97821415 07/17/2018 Ameritech

I received a call from ameritech financial who stated they are a service who will take a 

deposit to get their services started and each month I pay will go into a secure account, 

I was told that if I pay on time for 3 consecutive years that I would no longer need to 

pay, they would take the money paid over the years and apply it towards my loans and 

I would actually save 100%.They have been withdrawing $99 from my account for the 

last 15 months and I feel totally scammed. I am wanting my money back and I am 

prepared to go thru whatever measures necessary in order to get my hard earned 

money back

1149 97821428 07/17/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

1150 97827508 07/17/2018 Ameritech Financial Consumer reports she was contacted by Ameritech Financial who offered to lower her 

student loan payments and forgive her loan, consumer paid them for three years in the 

total of $4,000 but consumer just found out they were sue for fraudulent practices.

1151 97827555 07/17/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial .Consumer 

received letter from FTC regarding the recent lawsuit that was filled against this 

company.

Ortiz Attachment A - 245

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 246 of 511
Page 246

# Reference Number Complaint Date Company Name Complaint Info Comments

1152 97827605 07/17/2018 Ameritech Financial Service

I originally received a letter in the summer of 2016 and considering that my monthly 

loan payments was $800, i had to do something for my cost of living in NYC. I believe i 

called the number in the letter and spoke to a representative. September 2016 started 

the process after I spoke with Jessica McCray in order to provide financial information 

to submit an income-driven request in order to reduce my payments. I had to authorize 

documents through and Adobe online signature program, in addition to 2 large upfront 

payments for management services, as i was told, in October and November 2016. 

That totaled approximately $698.56, but in my mind, that beat paying the $800 the 

government was asking me to pay, and therefter my payments would be substantially 

reduced. I did not stop to think that i could have easily consolidated as i had done on 

my own after my college years. Subsequently, and since December 2016 i have been 

paying monthly fees of $99 to Ameritech Financial, also known as Global Client 

Solutions, and ACCTMGMTPLUS, as indicated in their sporadic text messages 

regarding monthly withdrawals from my checking account. Recently, as in June 2018, I 

was asked and pretty much annoyed to sign "re-authorization" forms as i was told. I 

had some issue as it made it seem that i would be again paying some large upfront 

payment and only after being assured that i was not did i sign the most recent 

documents. If i can be reimbursed for all payments made to-date, that'd be great. I 

will call them to cancel my services in the next day or two. 

Thank you, 

1153 97827626 07/17/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial. Consumer states 

she paid a total of $2000. Consumer states she was directly dealing with a government 

program. Consumer received letter from FTC regarding the recent lawsuit that was 

filled against this company.

1154 97827798 07/17/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

1155 97827843 07/17/2018 Ameritech

Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. He 

has sent them money and they have not paid any student loans. Consumer got a letter 

from Ameritech online and has paid them $2300. Caller has contacted Ameritech and 

cancelled the account but they have told her she will not get a refund.

1156 97827938 07/17/2018 Ameritech

Consumer is calling to report she received a letter from Ameritech v. FTC and she is 

wondering where her money went. Consumer states she was informed by Ameritech 

that they were a big private organization and the issue was that they were charging 

only a fee that was not discussed. Consumer decided she wanted to contact he original 

lender provider to find more info on what is going on with her loan. Consumer states 

she would call back.

Ortiz Attachment A - 246

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 247 of 511
Page 247

# Reference Number Complaint Date Company Name Complaint Info Comments

1157 97827947 07/17/2018 Ameritech

Ameritech contacted me by phone a few years back and charged for consultation.I 

paid monthly payments via auto debit up until this year simultaneously with Nelnet 

believing the money was being paid toward my loans. I simply quit paying them when 

Nelnet's deadline was three months before Ameritech's. So I researched the 

discrepency and quit paying Ameritech which almost got me into real financial trouble. I 

have not requested a refund yet. $3000 is a rough estimate.

1158 97834655 07/17/2018 American Financial Benefits 

Center

Consumer states that in 2015 she entered into an agreement with American Financial 

Benefits Center. Consumer has not received any letters from the FTC in regards to this 

company but is aware that it is a scam and that they had not been paying her servicers 

but in total she has paid them over 3442 dollars.

1159 97834770 07/17/2018 Ameritech Financial

Consumer got the letter from the FTC regarding the Ameritech Financial lawsuit. 

Consumer has been paying them for the past year $89 a month for a total of $1.602. 

Consumer got contacted by them by mail.

1160 97835114 07/17/2018 Ameritech

Consumer is calling saying she had received a letter from the FTC about Ameritech. 

Consumer wants to file a complaint against them. Consumer says she has bin with 

them for 2 years.

1161 97835264 07/17/2018 Ameritech

Ameritech contacted me, specifically "Greg Jones," which clearly wasn't his real name. 

He hounded me by calling daily telling me I can lower my student loan payments from 

$370 to $100 a month. I was unemployed at the time so I thought this was a good 

thing. It was only after 3 months (November-January) I realized none of my payments 

were going towards my student loans. When I called him and confronted him, he said 

that $100 a month was to "service" my loans and nothing went towards my actual 

loans. I complained online to a few google reviews about this RIPOFF company. I 

spent $316 and glad I caught it when I did. They must be ripping a lot of people off and 

need to be shut down immediately.

1162 97835282 07/17/2018 Ameritech

Consumer is calling to file a complaint against Ameritech Financial Consumer states 

he paid a total of $1600. Consumer recieved letter from FTC regarding the recent 

lawsuit that was filled against this compamy.

1163 97843299 07/17/2018 Ameritech

Consumer received a letter from FTC vs Ameritech. Consumer states that his friend 

was dealing with Ameritech and recommended them. He called the company and was 

told about the programs that was a third of what he was paying and if he did not miss a 

payment, he could qualify for loan forgiveness. He got an $74 a month for the service 

fee over what he was paying to the loan.

1164 97843473 07/17/2018 Ameritech Financial

The consumer is calling in regard to Ameritech Financial. Consumer states they have 

paid a total of $2,128 and that the initial $800 was for membership and processing 

fee's.

1165 97843844 07/17/2018 Ameritech

Consumer called to report that he received a letter from the FTC regarding Ameritech. 

Consumer states that he was in a loan forgiveness program with Ameritech. Consumer 

states that he had paid approximately 3000 dollars.

Ortiz Attachment A - 247

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 248 of 511
Page 248

# Reference Number Complaint Date Company Name Complaint Info Comments

1166 97843857 07/17/2018 Ameritech Financial

AMERITECH COMPLAINTS: The consumer rcv'd the Ameritech letter from the FTC. 

The consumer has paid them over $1000.00. The consumer is getting e-mails from 

Ameritech possibility due the fact the consumer stopped paying them.

1167 97843893 07/17/2018 Ameritech

The company pressures you into thinking that without them you have no other 

alternative to handling your loans. They tell you how much you will have to pay once 

they obtain all your income information. Then they put you against the wall by stating 

that they can help you lower the payments to zero dollars by paying 108 dollars a 

month which will subscribe you to a towing service and other additional UNWANTED 

services that you have no choice but to sign up for. They state that all this is part of 

their service requirement so you dont just have ONE service in ameritech.. you have to 

pay for their partners as well. They read to you all the benefits of paying for their 

partners and then your off to paying 108 dollars a month to have 0 dollars a month in 

your student loans while signing up for other unwanted services like road side 

assistance.. that i did not want .. but they stated it comes with the deal. Till this day i 

never logged in or used any of their services. I paid 108 dollars since July 2017 

totalling to 1,404. I can prove with my bank statements. When i tried to cancel they 

wouldnt do it .. i tried canceling since i got the letter in June and everyday that I called 

they kept putting me on hold and saying someone would call me back. No one ever 

did.. come July they charged me again after i called atleast 10 times to cancel my 

services because it was all fradulent. Today the superviser told me he wont issue me 

any refunds including July because I never called to cancel. Keep in mind i have been 

calling to cancel since I got this letter in June.. I asked him to read the notes on my 

account and he told me "there arent any notes" At this point I got it loud and clear.. they 

want money and are willing to do what ever it takes to get it .. I had to call my bank 

account and tell them not to let this merchant take any more money off of my account 

because they are fradulant. Please let me know what other steps I have to take to 

issue my refunds and possible court case against this company

Ortiz Attachment A - 248

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Page 249

# Reference Number Complaint Date Company Name Complaint Info Comments

1168 97843965 07/17/2018 Ameritech Financial

My daughter graduated from college in May 2015 as a teaching major. We had 

borrowed quite a of money from Fed Loans. I had received something in the mail 

from Ameritech Financial about reducing the loan amount. This seemed like the 

perfect opportunity to make it affordable. After the initial payments to set up the 

process we were told we would be only $99.00 per month going forward. In early 2018 

when I had to reapply for on income driven payment plan I provided all the 

documentation to Fed Loans myself. I did actually contact Ameritech Financial in 

regard to what am I paying them for when I did the income verification process myself. 

I did not really get much of an answer. I figured I made a stupid mistake and would 

have to deal with it. Then I received a letter from The Federal Trade Commission 

which pretty much verified what I was beginning to think. Neither my husband nor 

myself had the opportunity to go to college and we wanted better for our children. My 

daughter is the second of our children to graduate from college so any little financial 

help was appreciated.

1169 97843975 07/17/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial. Consumer states 

he paid a total of $1188. Consumer states he went online and saw that his student 

loans have not been paid on by the company. Consumer states he contacted the 

company for a refund and he was told they aren't able to provide one. Consumer 

received letter from FTC regarding the recent lawsuit that was filled against this 

company.

1170 97844044 07/17/2018 Ameritech Financial

I received a letter about repayment plans and forgiveness mentioning President 

Obama. I had heard that he was doing something that revolved around student loan 

forgiveness, so I contacted Ameritech. I called them the next day and asked a lot of 

questions. They had convinced me that my loans would be forgiven if I stayed with the 

service for 25 years. The representative did some math with me and informed me that 

at my current rate of loan payment I would be saving around $10,000 using Ameritech 

Financial to handle my document preparation, since I would be paying them and they 

would reduce the rate of my loans to a manageable amount based on my income. After 

sending them my tax documents and income, I was informed that the amount I was 

eligible to reduce my monthly loan payment to was $0 a month. So I would be paying 

Ameritech financial their monthly fee of $99.00 to keep my loans at $0. This went on 

for 15 months after my initial fee of $1,348.00 that was divided into 4 payments of 

$332.00. The total amount I have been charged thus far is $2833.00

Ortiz Attachment A - 249

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Page 250

# Reference Number Complaint Date Company Name Complaint Info Comments

1171 97844069 07/17/2018 Ameritech Financial

 

up. I had just got started working my dream career after attending college. I figured 

now would be a good time to consolidate my loans and get those things paid off 

quickly. So I contacted Ameritech Financial and spoke to a gentleman on the phone 

for well over an hour. I told him about the two companies that I had loans through and 

how much they were wanting me to pay each month. I explained on a teachers salary I 

couldn't afford what they were asking for each month. He explained to me that he 

could bundle all of my loans and I make one low monthly payment to the company and 

then the company would pay the companies whom my loans were through. I agreed 

and this was in July of 2016. The agent explained to me that I would pay $207 for 13 

months and then $99 each month thereafter. He explicitly told me that these payments 

would go directly to my student loans and then I wouldn't have to worry about paying 

large amounts to separate student loan companies. The paperwork to get this started 

immediately followed. I sent in by fax and mail all of the documentation they had asked 

for from me. The payments were set up on auto draft on the day I get paid each month. 

The payments began to be taken out and it appears everything was going well. After 

the 13 months of $207, $99 began to be withdrawn from my bank account in 

September 2017 through June 2018. I didn't know anything was wrong with my student 

loans until I went to see what kind of house loan I could get if I sold my current house, 

and moved to a house closer to where I work. I love 45 miles from the school I work. 

When I got the information back from the mortgage company I was applying for a loan 

at and I found out what my credit score was it prompted me to immediately check my 

credit score. I checked my credit score and saw my student loans now appearing in the 

negative field. I didn't think that was right at all and thought back to my conversation 

with Ameritech Financial. Ameritech Financial assured me my credit wouldn't be 

affected by bundling my loans together and now my credit was affected. I had just 

started my summer break and I was preparing to visit my father who lived in Colorado. 

I figured let's have vacation and handle it when I come back. That is exactly what I 

have done. When I got back from vacation, I found your letter in the mail. I opened it 

up and went into an extreme panic. I felt taken advantage of and was upset because I 

let this happen to myself. I couldn't believe the stuff that I read on the BBB site at this 

point. When I first looked them up they had glowing reviews and now they didn't. When 

1172 97847378 07/17/2018 Ameritech

Consumer is calling to report he received a letter from the FTC stating the Ameritech. 

Consumer states he has been paying $174 monthly that has been automatically 

withdrawn from his bank account. Consumer states he would want to gather more info 

on this incident since he is just worried but does not have a complain because he is not 

sure if his student loans have been getting paid off. Consumer did not want to provide 

additional info.

Ortiz Attachment A - 250

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Page 251

# Reference Number Complaint Date Company Name Complaint Info Comments

1173 97847644 07/17/2018 Ameritech Financial

A few days before I joined Ameritech Financial I recieved a yellow postcard in the mail. 

It had Student Loan Department, an account number, phone number, and a message 

relaying student loan payment reduction and forgiveness. On the back it stated that I 

could participate in this program that would save me thousands on my student loans. I 

called the phone number and talked with Ms. Jennifer Eversole who told me if i joined 

the program that some of my loans would be forgiven and the monthly payment on my 

loans would be smaller. She said that my monthly payment would be $99. June 

24,2016 is the day I recieved an email that I was now a part of the program. All this 

time I was thinking my $99 a month was going toward paying off my stuents loans. 

One day I was talking with a friend about it and she said I need to be careful about 

these programs and told me to look them up at the Better Business Bureau. I did and 

Ameritech Financial did not have a very good grade. I checked my student loans and 

the numbers did not add up meaning none of the $99 a month was going towards 

them. I called them December 20, 2017 and cancelled my account with Ameritech 

Financial. I could not believe that this whole time I was paying $99 a month it was 

going to Ameritech Financial and not toward paying off my student loans. Other-Other 

Update

1174 97847656 07/17/2018 Ameritech Financial

Consumer is calling on regards to a letter received by the FTC about Ameritech 

Financial. Consumer reports that Ameritech Financial have promised to enroll 

consumer into a government program that they claimed would permanently lower 

monthly student loan payments for a loan forgiveness. Consumer reports that they a 

have been taking $132 monthly. Consumer reports that he called Ameritech Financial 

on regards to the letter received by FTC and was informed that his money was going 

towards the loan.

1175 97848123 07/17/2018 Ameritech Financial

The representative called me up offering a lower payment plan and a loan amount 

overall price cut. He took down my information and even email letters with the 

information about the loan payments and guaranteed the information of the amount I 

was going to pay off. They have been taking out my money month to month. The 

representative even connected me with a other person that was from "Ram" for 

payments. They send me month to month email of payment but never give me an 

update on how much i owe or what is going on with my loan.

Ortiz Attachment A - 251

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Page 252

# Reference Number Complaint Date Company Name Complaint Info Comments

1176 97854530 07/17/2018 Ameritech Financial

The people thier were really nice and friendly. i thought everything was taken care of 

because they explain where all the money was going towards. My biggest concren was 

paying my student loans on time and start getting them paid off. I even asked again to 

make sure that they would pay on my behalf and the answer was yes. so i did 

everything they asked to help set it up and get the ball rolling on repaying my student 

loans. Then i started getting late notice from nelnet after a few months. I called 

Ameritech Finanial and the again said they would take care of it and I should not get a 

notice about late payment again and I haven't had one. So i am calling to cancel my 

membership/ their services to me.

1177 97918329 07/17/2018 Ameritech Financial|Ameritech 

Financial|Longwood University

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: In June 2016 I became a client of Ameritech 

Financial, a firm which indicated that they would ensure my enrollment in the Federal 

Public Service Debt Relief program for student loans. I made a series of monthly 

payments beginning in July 2016 that amounted to $3,357. After becoming aware that 

the Federal Trade Commission is currently bringing a lawsuit against Ameritech 

Financial for fraudulent practices, I closed my account with the firm on July 16, 2018. 

After contacting Ameritech, they were not able to confirm that I was actually enrolled in 

the debt relief program, and I am currently waiting for a call back from another 

representative from the company so that I can find out where each payment that I paid 

them was actually applied. Ameritech placed my loans in forbearance, and no 

payments have been applied to the loans since I became one of their clients. --- Have 

contacted: CC Issuer --- Fair Resolution: I am seeking a full refund in the amount of 

$3,357. --- School Unit ID: --- School OPE ID: 

1178 98605076 07/17/2018 Ameritech Financial

I paid Ameritech for a service that they could not provide. I received a notice of a law 

suit and was given a number to call about a refund. When I called I was refused a 

refund. --- Additional Comments: I would like to get a refund on the amount I paid for a 

service that could not be provided.

Ortiz Attachment A - 252

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Page 253

# Reference Number Complaint Date Company Name Complaint Info Comments

1179 98933925 07/17/2018 Ameritech Financial

AmeriTech Financial reached out to me offering to help me consolidate my student 

loans. I paid for their services for 9 months, all while under the impression that what I 

was paying them on a monthly basis was going toward my student loan amount as 

payments each month. The company does not disclose this information up front but 

they do not make payments toward student loans. The monthly payment I was making 

to AmeriTech Financial was not being applied to my student loans at all and when 

confronted about this by me, the company told me that they had disclosed that fact to 

me from the very beginning. I paid AmeriTech Financial for their services of 

consolidating my loans in hopes that they were actually making my student loans 

decrease in the overall amount. I paid them close to $700 overall because I was under 

the impression that most of that was going toward my student loan balance. Now that I 

have cancelled my services with AmeriTech Financial, I wish I had that close to $700 

back from that company so that I could pay that amount toward my student loans on 

my own. This company is being prosecuted for these false advertisement of services. --

- Additional Comments: I want my refund of almost $700 and I want compensation for 

the company falsely advertising that they could lower my student loan monthly payment 

and even forgive my student loans completely.

1180 97407468 07/17/2018 Ameritech Financial

Consumer received a letter from the FTC in regards to the lawsuit against Ameritech 

Financial. Consumer states that she contacted Ameritech Financial on the referral from 

a coworker and the company claimed that they would get the consumer's student loan 

payments lowered. Consumer states that the company told that her loan would be 

forgiven in 10 years if she continued to pay the company. Consumer states that she 

paid a monthly fee to the company and an upfront fee but consumer did not have a 

total monetary amount available at time of report. Consumer has since found out that 

she could have had her payments lowered free of charge had she contacted the 

lender. UPDATE 07.06.2018: AMERITECH COMPLAINTS: The consumer provided 

the amount she paid to Ameritech Financial. . UPDATE 07.06.2018: 

AMERITECH COMPLAINTS: The consumer stated that she rcv'd a e-mail from 

Ameritech Financial saying they did nothing, and they are filing a counter suit against 

the FTC. UPDATE: 07/17/2018 Consumer reports that Ameritech advised 

her that they will not be giving any refunds because they have done nothing wrong. 

Ortiz Attachment A - 253

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Page 254

# Reference Number Complaint Date Company Name Complaint Info Comments

1181 97221154 07/18/2018 Ameritech Financial 

I was made aware by the FTC that they were in a countersuit with Ameritiech Financial 

for misrepresenting their clients. After calling Ameritiech they then explained to me that 

the money I have been paying them has not been going towards my student loans. I 

was told at the beginning of the agreement that I would go into the loan forgovness 

program and by working with them and paying them my loans would be paid off in as 

little ast 8 years. They lied to me and when I asked for a fefund they denied it.

1182 97221247 07/18/2018 ameritech financial

I thought ameritech financial was going toward my student loans and until I recieved 

letter in mail I was never aware that they weren't. I have no clue who I should be 

paying my student loans too or how much I owe. I need help trying to figure out how to 

take care of this.

1183 97221266 07/18/2018 AmeriTech Financial

I had been receiving mail claiming to help reduce student loan debt and even student 

loan forgiveness (mid 2017). I finally responded to them with a call and spoke to a 

female representative. She discussed the process and all terms and conditions. She 

said that the payments would start at $100 then drop to $99.00 a month. According to 

my bank account, the first payment drafted out of my bank account as "PMT 

RAM PMT" with a trace number included in the amount of $100.00. Every 

payment every month afterwards until present day has automatically drafted in the 

amount of $108.00 (07/16/2018). The total amount automatically drafted from 

10/18/2017-7/16/2018 is $1072.00 (according to my bank statements). I recently 

received a letter/ Notice of Lawsuit from the FTC. Therefore, I am responding by taking 

action. Today, 07/18/2018, I called AmeriTech Financial to receive help with my 

account password change and access. The person answering the phone said "all 

representatives are busy and someone will call you soon to help you." It has been 

a couple of hours now and no one has responded. I hope to receive help soon in 

resolving this lawsuit or taking action. I would like my money back as I am a single 

mother. Thank you for reaching out to me. May God bless you. 

~ Other-Other Update

1184 97813787 07/18/2018 Ameritech Financial, Inc.

Recently I received a NOTICE OF LAWSUIT from the Federal Trade Commission 

regarding the deceptive practices of Ameritech. I was deceived by this company and 

am now filing a complaint with the FTC. On 5/24/16 I drafted and faxed a Cease & 

Desist letter to Brandon Frere of Ameritech Financial. I had to close my bank account 

when I figured out this was a scam because they had all of my personal information for 

my student loans as well as my personal bank account information. I still have a copy 

of that letter and proof of fax. Please contact me by mail or cell phone. Thank you. 

UPDATED: 7/18/2018 The consumer called to ask about the class action suit. 

1185 97854954 07/18/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

Ortiz Attachment A - 254

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Page 255

# Reference Number Complaint Date Company Name Complaint Info Comments

1186 97861698 07/18/2018 Ameritech Financial

Consumer is calling on regards to a letter received by the FTC about Ameritech 

Financial. Consumer reports that Ameritech Financial have promised to enroll 

consumer into a government program that they claimed would permanently lower 

monthly student loan payments for a loan forgiveness. Consumer reports that she has 

paid them $300 a month. Consumer reports that she has contacted Ameritech 

Financial for a refund and they informed consumer they would not refund her money.

1187 97861941 07/18/2018 Ameritech

Consumer states that he received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states he was offered assistance with reducing 

his student loan from Ameritech. Consumer states that he was told if he paid $99 a 

month, they were able to forgive her loan. which he found out that no payment was 

going to his student loans. consumer wants to know how he can retrieve her money 

and where to receive additional information.

1188 97862056 07/18/2018 Ameritech Financial

Consumer rcv'd a letter about FTC v. Ameritech Financial. Consumer has been paying 

Ameritech Financial every month to resolve their student loans, but is now concerned 

about the FTC's action against them. Consumer agreed to a contract of 120 months at 

$99/mo, plus a $400 enrollment fee.

1189 97862160 07/18/2018 Ameritech

Consumer stated that he got a letter from FTC about Ameritech. Consumer stated that 

Ameritech contacted him to reduce his student loan debt, he paid upfront fees of $200, 

$90 monthly and he paid $2500 total. Consumer stated that they were supposed to be 

paying off his loans. Consumer stated that his payments are showing current and he 

does not owe anything currently.

1190 97868279 07/18/2018 Ameritech Financial 

on January 23rd, 2018 my freind told me that Ameritech Fiinancial cn help me with 

Student loan, I give them a call. Taylor PARROTT was on the phone, she told me that, 

Ameritech can help me prepare the documnet for Student loan and help me make 

autopayment for $235 monthly for 6month, then the monthly payment with go down to 

$119 monthy, including their one time fee for document preparation fee. It was my 

surprise that, no paymnt was ,made on my behalf to deparment of education while 

Ameritech have been withdrawing a monthly payment of $235 of my account since 

March 14, 2108 to July 2108. when I got a notice from from FTC regarding no 

payment on my behalf, I called to cancel their service and request a full refund but 

Ameritch representatvie is refusing to process refund. and he argue that I have sign up 

for Financial Education benefit center . I have nerver sign any document for FEBC for 

ameritech, I have accpet to be a members. I filing this complain to request my full 

refund, and pousuit a legal action to restitute all my right. Other-Other Update

Ortiz Attachment A - 255

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 256 of 511
Page 256

# Reference Number Complaint Date Company Name Complaint Info Comments

1191 97868438 07/18/2018 Ameritech Financial 

Ameritech Financial solicited money from me under false pretenses. I would like a 

refund and help with forgiveness of my student loans. They took advantage of those 

who are caught up in the American student loan debt mess. I believe they should 

compensate those who they lied to. They kept their customers uneducated and in the 

dark inorder to take thier money. Ameritech claimed to be offering help but only took 

my money.

1192 97868630 07/18/2018 Ameritech

Consumer states that she received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states she was offered assistance with reducing 

her student loan from Ameritech. Consumer states that she was told if she paid $88 a 

month and also one time fee of $150, they were able to forgive her loan. which she 

found out that no payment was going to her student loans. consumer wants to know 

how she can retrieve her money and where to receive additional information.

1193 97868645 07/18/2018 Ameritech- American Benefits 

Center

Consumer received a letter from FTC vs Ameritech. He got a letter from American 

Financial Benefits Center telling him to call. He was told that since he was unemployed 

he could get a zero based repayment plan. He was told that as long as he paid $50 a 

month for 10 years his loans would be forgiven. He has been paying $50 for 3 years 

totaling $1800.

1194 97868934 07/18/2018 Ameritech Finanical

Ameritech Finanical sent me a letter in the mail stating I qualified for the student loan 

forgiveness program. I gave them a call believing that they would help. I was told if I 

would make monthly payments to them I would be able to get my transcripts and get 

back into school. And that they would talk to the other loan places that I had school 

loans with to help consolidate all my loans. But I had to make sure my first nine 

monthly payments were made on time and that this would go to my student loan 

balance of $32400 something. I believe my first initial payment was $150 and then $85 

up till March. Then they refundsd me an amount of $150 I believe I cant remember the 

reasoning. But then they dropped my payments to $83 a month. When I did try to 

contact the company I would have to call at least 3 or 4 times or email them before I 

would get a response. Then a few days ago I got the letter in the mail regarding the 

lawsuit thats been brought against Ameritech Finanical.

1195 97885780 07/18/2018 Ameritech Consumer wants to be included in the suit against Ameritech because she has asked 

for a refund but they have refused to give her a refund.

Ortiz Attachment A - 256

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 257 of 511
Page 257

# Reference Number Complaint Date Company Name Complaint Info Comments

1196 97885863 07/18/2018 Ameritech

Consumer is calling to report she received a letter from the FTC regarding the lawsuit 

against Ameritech, Consumer states she had paid a total $740 which she paid through 

her bank DC. Consumer has contacted Ameritech and they denied her request for a 

refund. Consumer states they stated she had just been paying the application fee and 

services. Consumer has contacted her original student loan servicer and was informed 

they were not paying off her student loans. Consumer had initially Google for a 

company to consolidate her student loans and she found them.

1197 97885911 07/18/2018 Ameritech

This complaint is in reference to Ameritech Financial and my student loan debt. In the 

spring of 2016, I was give a link as a referral by a friend who told me that this company 

could reduce my student loan debt down to a small monthly payment. In short, I was 

rushed through the information, told that I qualified for student loan forgiveness even 

though I teach at a for-profit school and have no dependants. I paid a large fee for the 

initial services (about $799) and have paid them $100 every month since. About two 

months ago, I was informed that I didn't qualify and that what I was told originally was 

incorrect. I was then told if I continued to pay them the monthly fee that in 25 years my 

student loan would be paid off. There have been many red flags since the beginning 

but I was sadly desperate to do something about my loan payments. I regret having 

ever called them. Now, I have made payment arrangements with my loan service 

provider and will have to accept the fact that even at my age, I can still be fooled.

1198 97894694 07/18/2018 Ameritech Financial

Consumer is calling because he received a letter from FTC VS Ameritech. Consumer 

states that he received mail form the company offering to help him with his student 

loans. Consumer was told that they could offer him a service that is not offered by his 

loan servicer. Consumer paid the company a fee of $400 for the first three months and 

then $100 a month thereafter. Consumer has paid a total of $1800 that has been auto 

drafted from his bank account. Consumer called Ameritech to cancel the service and 

asked for a refund and was told that they cannot refund the money because they 

provided the services promised.

1199 97894800 07/18/2018 Ameritech

Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. 

She has sent them money and they have not paid any student loans. Consumer got a 

letter from Ameritech soliciting her and has paid them a great deal of money

Ortiz Attachment A - 257

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 258 of 511
Page 258

# Reference Number Complaint Date Company Name Complaint Info Comments

1200 97894832 07/18/2018 Ameritech Financial

Hello, I was contactedby Ameritech Financial through the mail, when I called them to 

ask some questions they said they could drastically my monthly payment on my 

student loans. I agreed and have been making payments to them since September of 

2017. I recieved a letter from the FTC regarding a lawsuit against Ameritech Financial 

and called Nelnet to see if payments have been going towards my student loan and 

they have not. I have qualified for $0 payments that will expirein November 2018. But, I 

have paid $2,051 to Ameritech...where has this moeny gone? I am devastated 

because I am afraid I am going to have to pay the high payments I was paying 

before,which broke me. They seemed very helpful, but it wastoo good to be true.

1201 97894843 07/18/2018 Ameritech

Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. 

She has sent them money and they have not paid any student loans. Consumer got a 

letter from for Ameritech and has paid them a great deal of money

1202 97895157 07/18/2018 Ameritech Financial

I have a federal student loan for my son's college. I received a piece in the mail from 

Ameritech about loan reduction and forgiveness, which I called and signed up with 

them in January of 2017. They charged an initial fee and then monthly payment fee in 

order to be part of the Income Driven Repayment Plan. At no point during the sign-up 

process or since then did they indicate that that monthly fee was not going toward the 

loan, or that the plan was something that could be done directly through the loan 

servicer. Ameritech has been collecting a fee all this time until I received the notice 

from the FTC about the lawsuit. I am since cancelling and hoping for a refund from 

Ameritech for all the money collected in the last 2 years but haven't heard back from 

them yet that they will do so.

Ortiz Attachment A - 258

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Page 259

# Reference Number Complaint Date Company Name Complaint Info Comments

1203 97895257 07/18/2018 Ameritech Financial

I was contacted by a representative, a woman whose name I don't re-call, from 

Ameritech Financial and given their "spiel" about how my loans were set to be in 

repayment and they could help me with doing that. They claimed that if I made 13 

consecutive payments to them, based on my income, that the Federal Student Loan 

Department wouldn't keep hassling me for money that I can't afford. I fit into the lowest 

income bracket they service, so my initial 13 monthly payments were $173, taken 

directly from my bank account. It was then stated that my payments would drop to $99 

a month for the next 25 years. She did the calculations over the phone with me, 

figuring out that if I went with their company, it would end up saving me somewhere 

around $30,000 in interest from the loans. I have since completed those 13 months 

and many, many more. I was paying them until the last month, when I received the 

letter in the mail from your organization describing the lawsuit, as well as describing the 

fact that none of my money has gone toward student loans. This is very un-settling. 

They have taken roughly $4,000 in the past two years from me, which is money that 

could've been used in many other ways. I have since put my account on a permanent 

hold, and am planning on cancelling it soon. I would also like to know the next steps I 

could take to be compensated for the stolen money they took from me.

1204 97895479 07/18/2018 Ameritech Financial

I was told they could help me reduce my monthly student loan payments, I was not told 

the money I was paying them went completely to them. I thought some of the money 

was goin t othem, not all of it. I actually found this out a few months ago because I was 

notified I owe money to FSA and I assumed I was paying them all along but I wasn't.

Ortiz Attachment A - 259

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Page 260

# Reference Number Complaint Date Company Name Complaint Info Comments

1205 97898874 07/18/2018 Ameritech Financial

 

to act now for student loan reduction on a lower monthly payment. What the post card 

said was the U.S. Department of EDU had adjusted their repayment policies and I 

could be eligible based off my income, so I called the number listed. I spent over two 

hours going over my information, qualifying and enrolling. It was explained to me that I 

would go from the standard plan to an income based plan with a lower monthly 

payment of $82, of which $8 was a processing fee. The company representative broke 

down how much I would save a month, annually even. I did all of the things they 

requested, thinking that I would get a lower monthly payment through the consolidation 

of my loans and a repayment over 25 years instead of ten years. I gave my 

information as well as numerous things listed on the things to watch for from a 

fraudulent company, but at the time, I thought they were legitimate. On February 22, 

2017 the first $82 was deducted from my checking account. Ameritech had told me 

that Reliant Account Management would be who my bank account showed as because 

they were their financial processing company that Ameritech used. In 2017, from 2/22 

to 12/22, a total of $902 was deducted from my checking account. On March 2, 2017 

all of my student loans through Navient were consolidated, like the company said they 

would do. So I continued making sure $82 was available in my checking account for 

the auto withdraw every 22nd of the month. From January 22, 2018 until June 22, 

2018 a total of $492 was taken from my checking account with my understanding it 

was being applied towards my student loans. A total of $1,394. I received a letter from 

the Federal Trade Commission notifying me of what was going on with Ameritech 

Financial. At which point I have followed the bullet points on the steps to take to 

resolve this matter. I contacted my loan servicer and discovered that since my 

consolidation, it didn’t appear any payments were being made. It was a major blow. 

When I spoke on the phone with Navient I was helped to protect my account. I 

contacted Ameritech Financial about canceling my membership I was treated nasty 

and don’t expect them to give me a refund. After the phone call I was sent an email 

that basically said nothing helpful towards this situation. I still have to finished this 

complaint and speak to the bank about blocking payments. The entire process has 

been stressful, time consuming and unfortunate financially. I hope that the Federal 

Trade Commission can put a stop to this company fraudulently taking advantage of 

1206 97899043 07/18/2018 Ameritech Financial

Ameritech Financial advised me that they could help lower my student loans. My loans 

were almost $10,000 and they said they could lower it to $7,000 including interest. I 

thought they were taking the $88 a month and putting it towards my loans while all the 

paper work I was giving them was to lower my loan/forgiveness. I got the letter in the 

mail saying that they are being sued. I am concerned now that my loans are gaining 

interest because I have not paid them. I am now out over $700. I cannot afford this. 

They scammed me.

Ortiz Attachment A - 260

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 261 of 511
Page 261

# Reference Number Complaint Date Company Name Complaint Info Comments

1207 97918903 07/18/2018

Ameritech Financial|Ameritech 

Financial|University of PhoenixOnline Campus

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: Three years ago I signed up with Ameritech to 

reduce the payment of my student loan. It was $100 a month rather than almost $400, I 

was told shortly my loan would be forgiven and they were the only way to loan 

forgiveness. I needed to resign a few months ago. I found out my payments were going 

to Ameritech and not toward my loans. In addition my loans could not be paid off for 7 

more years. Also I had accrued over $10000 for no pay and interest for non payment of 

loans. Much more than my original loan. They are stealing money from me every 

month and not paying my loan. Contract or no contract this is theft! --- Have contacted: 

CC Issuer --- Fair Resolution: Loan forgiven NOW, even if they have to pay off 

themselves.They have already stolen $12,000 From me in monthly charges! --- School 

Unit ID: --- School OPE ID: 

1208 97919240 07/18/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I received an letter in the mail on June 27, 2018 

from the FTC about a lawsuit against Ameritech Financial. The company is a fraud. 

Ameritech has been withdrawing around $207 on the 21st of every month for the past 

for few months. I'm uncertain of how long, I have lost track, but it has only been since 

2018. I called Ameritech today (07/18/2018) to cancel my subscription and rquest my 

money back. I was told that because the lawsuit has only been filed, and that it hasn't 

been ruled on by a judge, that they cannot issue me or anyone else a refund. 

Ameritech did claim to cancel my subscription. I contacted my credit union today 

(07/18/2018) to make sure that Ameritech can no longer withdraw money from my 

account once a month. If they continue to do so this week, I'm having my credit union 

dispute Ameritech. --- Have contacted: CC Issuer --- Fair Resolution: I want my money 

back. I want others to receive their money back. I want to be a part of a lawsuit against 

Ameritech.

1209 97919357 07/18/2018 Ameritech Financial|Ameritech 

Financial|Cambridge College

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I received a letter by the Federal 

Trade Commission stating that Ameritech Financial is a fraud and has been taking 

money away from me and none of the payments have gone to my student loaner. I am 

frustrated because I been a costumer for a very long time now. I gave them my 

personal information and am scared they will use it. --- Have contacted: CC Issuer --- 

Fair Resolution: A fair solution will be to pay me back all the money I have gave the 

fraud company Americatech financial and clear my personal information. --- School 

Unit ID: --- School OPE ID: 

Ortiz Attachment A - 261

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 262 of 511
Page 262

# Reference Number Complaint Date Company Name Complaint Info Comments

1210 97448259 07/18/2018 Ameritech

Consumer is calling to report that he contacted Ameritech for their services. Consumer 

contacted them and set up payment plans with the company. Consumer states that he 

has paid $1211 total.UPDATE:07/18/2018 Consumer states he was contacted by 

Ameritech and questioned him about canceling his membership and requested a 

refund. He was told they would not be giving him a refund.

1211 97522849 07/18/2018 Ameritech Financial

Consumer stated he received a letter in the mail from the FTC about Ameritech 

Financial. Consumer received a letter in the mail from Ameritech. Consumer called 

them and they told him how to answer the questions only with yes or no. Consumer 

stated he did send all of his information to them with his bank and his last years tax 

return. Consumer did send money to them to forgive his loan but they never did. 

Consumer stated the has been pay $108 a month to Ram.co.UPDATE 07-18-18 

Consumer has called Ameritech Financial to request a refund and to cancel and they 

ignored him and then took money early from his bank account.

1212 97623146 07/18/2018 Ameritech Financial

Consumer reports she got a membership with Ameritech Financial to lower her student 

loan debts and help her get it forgiven, consumer paid then $950 in total but just 

recently found out they're fraudulent. UPDATE: 7/10/18 Consumer called to find out 

more information, provided ftc.gov . UPDATE 7/18/18 MAIL: Consumer's 

letter was forwarded by the Missouri Attorney General. Consumer continued to 

complain about the money loss through Ameritech Financial. Consumer's contact info 

was corrected and additional company info was added to report. 

1213 97899504 07/19/2018 Ameritech

I reached out to Ameritech as i was referred by a co worker. I wanted to enroll to get a 

lower monthly payment and have my debt forgiven over time. I then foubd out after a 

year that my payments were not being made against my outstanding balance. I was 

worried as they requested my log in info for my Fed loans. They had acces to a lot of 

personal info. I called to complain and cancel. They said they could not refund me. 

After I reported them to BBB, I received a phone call. Ameritech gave me my money 

back, but did not pay for aby interest or fees I received from Fed loans as I missed 

over a year of payments.

1214 97899555 07/19/2018 AmeriTech Financial

I was contacted by Ameritech Financial through mail. I then called them to get 

information about them and what they can do to help me with my student loans. They 

said they can get me in the loan forgiveness program since I was a teacher. I have 

been paying AmeriTech for a year and a half. Within that time I have paid couple 

thousands of dollars. I believed that what I was paying them was going toward paying 

off my student loan, but it was not. I would like to get reimbursed of all the money I 

paid out to AmeriTech.

Ortiz Attachment A - 262

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 263 of 511
Page 263

# Reference Number Complaint Date Company Name Complaint Info Comments

1215 97906713 07/19/2018 Ameritech Financial

Consumer called to report that she received a letter in regards to FTC VS Ameritech 

Financial. Consumer heard about the company from a friend and contacted the 

company. Consumer was told she needed to pay $128 for eight months and $20 a 

month thereafter for 25 years to consolidate her student loans. Consumer gave all 

personal info, debit and checking info, loan information, and agreed to pay. Consumer 

called and canceled the membership because her credit score was damaged, no 

payments were made to her original lender, and believes that this is a scam. 

Consumer requested a refund and Ameritech refused.

1216 97906781 07/19/2018 Ameritech

Consumer states that he received a letter from us about Ameritech asking him to 

cancel his subscription to them. Consumer states that he started using them last year 

but stopped paying early this year. Consumer wants to be included in the case against 

Ameritech.

1217 97906952 07/19/2018 Ameritech Financial

Consumer received a letter from FTC about Ameritech Financial. Consumer stated 

they took money every month to help pay off her student loans. Consumer stated they 

never did do so. Consumer first found out about Ameritech when they contacted her by 

phone. Consumer stated that she agreed over the phone. Consumer doesn't know how 

much money she has sent to them. Consumer thought they were going to help her.

1218 97907192 07/19/2018 Ameritech Financial

I received a postcard in the mail with a phone number to cal about the loan forgiveness 

program. It seemed legit. They said they represented Ameritech financial and that they 

could reduce my loans. I owed around 32, 000 and if I enrolled it would come down to 

$16,000 plus a $1000 service fee to enroll. It would take me ten years and if I dropped 

out or tried to pay more then the agreed on monthly payment ($199 first year and $99 

after first year) then I would go back to owing the full amount.They sent me everything 

electronically and I have all the documents still in my email. It sounded like a great plan 

to get out of debt. When I went into my student loan account, it looks like it is at a zero 

balance.

1219 97913642 07/19/2018 Ameritech

The consumer had services with Ameritech for loan consolidation. The consumer was 

unaware his payments weren't going to his lender. They promised to relieve his debt 

after so many years.

Ortiz Attachment A - 263

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 264 of 511
Page 264

# Reference Number Complaint Date Company Name Complaint Info Comments

1220 97913908 07/19/2018 Ameritech

I was contacted by multiple representatives from Ameritech until I finally talked with a 

recruiter who reassured me they are a legitimate business. I was heavily burdened with 

huge monthly payments from my undergrad and graduate school education. They 

reassured me they are contacting me to help with my student loan payments. After a 

long discussion about payments and received advice on handling my debt, they offered 

a huge reduction on my payments in addition to quickly paying the loan without the high 

interest rates. I was providing them with $80+ monthly payment, with the plan to pay of 

my loans in a 10-15 year period.I was led to believe my monthly payments were going 

towards paying student loans. I was providing a monthly payment to Ameritech until I 

recently learned by the FTC none of those payments went toward paying off their 

student loans. When I called Ameritech they clarified that I've been paying them to try 

and forgive my loans. Which they also mentioned was not a guarantee. Finding out I 

haven't been actually been paying my student loans I accrued a years worth of interest. 

I told them I was led to believe by their recruiter that these payments would go towards 

my loans, and requested a refund due to poor customer services. Ameritech refused to 

provide any refunds.

1221 97914159 07/19/2018 Ameritech Financial

I was told by a co-worker about a company that can help consolidate my student loans. 

I clicked on his referral link and quickly got a response from Shane Banning, who 

works for Ameritech. After getting mass amounts of information, Shane told me I would 

be able to pay off my loans in full after a 10 year payment plan. For the first 3 months, I 

had to pay a large sum (maybe around $250). Every month from then on would be 

$108 for the remainder of my 10 year payment program. Since I work for a non-profit 

company, I was told I got a discount. I pursued my husband to also sign up for the 

program because, hey! It was such a wonderful idea to get our loans consilidated! 

Unfortunately he is now stuck in the same situation I am in. I got a letter from FTC 

stating that Ameritech is basically a scam and I need to report what happened. So here 

I am, reporting, and I still have a very small chance of ever seeing my money again.

1222 97914284 07/19/2018 Ameritech Financial

Consumer received a letter from FTC. Consumer states that she hired Ameritech 

Financial approximately during 08/2017. Consumer recalls agreeing to pay the for 25 

years so they in return can forgive her student loans. Consumer states she paid about 

$100 per month until three months ago and then it dropped to about $60 per month. 

Consumer did recently cancel the service with Ameritech Financial but was denied 

refund.

Ortiz Attachment A - 264

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Page 265

# Reference Number Complaint Date Company Name Complaint Info Comments

1223 97921240 07/19/2018 Ameritech Financial

Consumer reports that she is a victim of the Ameritech Financial. Consumer says as 

soon as she finished school they began to contact her offering assistance to pay off 

her student loan. Consumer says they began to offer her there services and get her on 

a payment plan. Consumer was making monthly payments of $180 each. Consumer 

later found this to be suspicious as her student loans was not coming down. Consumer 

received letter from the FTC about the lawsuit with Ameritech Financial. Consumer 

also provided personal information including SSN.

1224 97921242 07/19/2018 Ameritech Financial

I was contacted by Ameritech Financial in July of 2017 by mail. The paper work they 

sent me stated that with their assistance I could cut my student loan payment down to 

$0.00 a month. I contacted them and they told me that based on my income I could 

pay a low payment for a specific amount of months (I believe it was 300 months). I was 

led to believe that I was making payments towards my student loans every month, and 

whatever was left on my student loan balance after the amount of months agreed on, 

my student loan balance left over would be forgiven. I then began to make payments of 

$82 a month based on my income, for right at a year now. I checked my Fed Loan 

account and was no longer in forberance so I was led to believe that everything that 

they told me was true and that I was now making payments towards my loans. They 

never mentioned that I was only paying for the service of filing paperwork. Ethan 

Lowry, the representative that I was working with even told me that the Fed Loan 

Services would contact me and tell me that thier service was a scam and try to talk me 

out of using Ameritech. He assured me that it was not a scam and to have confidence 

in their assistance. Overal Ameritech Financial was extremely misleading and worked 

as a conartist and has taken advantage of thousands of people around the country. I 

would like to help in any way possible to help all parties that were taken advantage of 

get compensation for Ameritech Financials scam.

1225 97921320 07/19/2018 Ameritech I paid Ameritec hundreds of dollars that neve went to my student loan. Other-Other 

Update

1226 97921488 07/19/2018 Ameritech Financial

Consumer reports she had a membership with Ameritech Financial for two years and 

paid them $2600 in total to get help with her student loan payments but consumer just 

recently found out the payments she was doing did not toward her debt. UPDATE 

7/19/2018 Consumer was transferred to supervisor for additional information about the 

case against Ameritech. Information was provided from FTC.gov 

1227 97928638 07/19/2018 Ameritech Financial

Consumer calling to report that she received a letter from FTC regarding the lawsuit 

Ameritech Financial. Consumer came in contact with them because they called her. 

Consumer states that they garnish her wages because student loans from her checks. 

She has not remember how much she's sent.

Ortiz Attachment A - 265

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 266 of 511
Page 266

# Reference Number Complaint Date Company Name Complaint Info Comments

1228 97928868 07/19/2018 Ameritech Financial

Consumer is calling to report she has been paying Ameritech on a monthly basis for 

over a year, as they promised to giver her one stable payment for 25 years and that is 

all she would need to pay. Which would save her about $86,000. They have been 

deducting $132 monthly from her checking account. Now she has received a letter 

advising the FTC has a case against them.

1229 97929134 07/19/2018 Ameritech Financial

 when I contacted Ameritech financial they informed me that they would be able to help 

me pay for my student loans and in the short period of time that I pay them that money 

would go towards my student loans and in 10 years the rest of the amount would be 

forgiven. I had talk to them all multiple times and during each time I was reassured that 

they had consolidated all of my student loans and that they were paying towards them 

to help me be able to have loan forgiveness in the future. I really had minimal contact 

with them due to the fact that I had it director debited out of my account so therefore I 

never needed to call and get in contact with them so I just had my money debited from 

my account so that way I did not have to worry about it. Now I know the company has 

scam to me and taking over $2000 for me when I started this in June 2016. I would like 

a full refund of the money is that I have put forward towards this company knowing now 

that they have used the money just for them and not actually going towards paying my 

student loans.

1230 97929481 07/19/2018 Ameritech

Consumer received a letter from FTC. Consumer states the letter was referring to the 

Ameritech Financial, Financial Education Benefits Center (FEBC). Consumer states 

they are falsely claiming the consumer was eligible for federal programs that would 

permanently reduce their monthly debt payments to a fixed low amount or result in total 

loan forgiveness. Consumer states when she calls the company to cancel the service 

and was able to but they cannot provide a refund because they paid off the loan. 

Consumer states they have not paid off the loan. Consumer states she has lost $783.

1231 97929599 07/19/2018 Ameritech Financial

Consumer got a notice in the mail in regards to a forgiveness program with Ameritech 

Financial, consumer called and they told her they would take a certain amount of 

money after having years with them. They told consumer they had a service fee and 

they would be putting her loan in forbearance. Consumer was paying them $100 and 

something a month at first but then went down to 50$ a month.

1232 97935477 07/19/2018 Ameritech Financial

The consumer states he had signed up with Ameritech Financial from a mailing he had 

received. He states they took an initial payment and then one month only and he 

cancelled because he saw complaints online. He recalls they were California numbers 

but it was so long ago he no longer has them, or the emails.

1233 97935551 07/19/2018 Ameritech

Calling to report that he was contacted by Ameritech offering their services to 

consolidate student loans. Consumer contacted them and set up payment plans with 

the company. Consumer states that she has paid $1175 total.

Ortiz Attachment A - 266

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Page 267

# Reference Number Complaint Date Company Name Complaint Info Comments

1234 97935958 07/19/2018 Ameritech Financial

Consumer switched his student from Nelnet to Ameritech Financial and now has a 

letter from the FTC stating this company is being sued for deceptive practices. 

Consumer had canceled with them some month ago.

1235 97936322 07/19/2018 Ameritech

 

AmeriTech Financial to assist me with Loan Forgiveness with my student loans. Upon 

providing my information and having informing me that I would be receiving loan 

consolidation and forgiveness with their organization, I was told that their fee would be 

$800.00 that they would split into 3 payments and that it would be debited from my 

checking account along with payments towards my student loans then my payments 

would be $119.00 going forward. My account was debited $332.00 for four months 

which exceeded the $800 fee then after the fourth month AmeriTech began to debit 

$99.00 each month from my account. They changed the passwords of my financial aid 

and loan service accounts as they gained access. In total AmeriTech has debited my 

account for $1526.00 of which $0 has gone toward my student loans. Upon receiving 

correspondence from the Federal Trade Commission making me aware of a Lawsuit 

they have against AmeriTech, I immediately contacted the financial company to cancel 

my membership and ask for a refund. According to their answering services they were 

receiving high volumes of calls from customers who also received the same 

correspondence from the FTC and that a respesentative would contact me within 24-

48 hours. My initial contact to the company about this situation was on July 2, 2018 and 

the representative returned my call they also followed up with an email informimg me 

that they have opened a ticket about my inquiry also the email explained their version 

of the situation with the FTC. On July 6 they left me a message to contact them about 

my inquiry. I immediately called them back and again I was connected to their 

answering service and did not reach a representative to discuss this matter until July 

19, 2018. On July 19, 2018 the representative who finally returned my call made an 

attempt to provide me with their stance on the matter with the FTC and that they were 

not trying to defraud me or any of their clients. I asked them to cancel my account and 

requested a refund of my money. The representative tried to talk me out of canceling 

and when I insisted and again asked for a full refund he informed me that I would only 

receive $600 because they have been working on my account and in addition, the 

representative insisted that they made me aware that they would not be paying my 

student loan with the money they were debiting from my account each month that this 

was a monthly service fee from another company for additional financial services and 

tax preparation none of which I was told when I signed up with Mr. Tapia. The 

1236 97936423 07/19/2018 Ameritech

Consumer is calling due to she received a letter letting her know that Ameritech was 

being Suit and would like to know what she needs to do to be part of the Law Suit. She 

stated that she has been paying for almost one year she stated that she has paid $ 99 

dollars for one year. No further information was provided.

Ortiz Attachment A - 267

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 268 of 511
Page 268

# Reference Number Complaint Date Company Name Complaint Info Comments

1237 97943186 07/19/2018 Ameritech FInancial 

I was contacted through mail giving the offer to reduce my overall federal loan amount 

and be offered forgiveness. I went through about a week of back and forth on the 

phone in which I was then put into their program for about $80.00 a month. They did 

reduced the payment per month but the overall goal seemed to be different from the 

start of when I spoke with these people originally. They claimed to be working with the 

United States Government and that it would be helping directly in loan forgiveness.

1238 97376330 07/19/2018 Ameritech Financial

Consumer states she received a letter from the FTC regarding a lawsuit against 

Ameritech Financial and would like to file complaint. Consumer states she received a 

letter in the mail from Ameritech Financial offering to help lower her monthly payment 

on her student loan and after 10 years the rest of her loan would be forgiven. 

Consumer states she then called them and was asked to pay an upfront fee of $8, 

Consumer did pay this money. Consumer states she was then told that she would pay 

$108 a month which they said $25 would go to her student loan and the remaining 

were Ameritech Financials fees. UPDATE: 7/19/18 Consumer states that she called 

Noviant and was told that Jan of 2017 was the last payment. 

1239 97604912 07/19/2018 Ameritech Financial

Consumer is calling because she received a letter form the FTC VS Ameritech 

Financial. Consumer states that she received a letter in the mail from Ameritech 

Financial telling her that she qualifies for a ten year loan forgiveness program claiming 

to be working with the Department of Education. Consumer was to pay a monthly fee 

of $108 for ten years and her loans would be forgiven. Consumer provided her 

checking account information to make the $108 monthly payments. Consumer called 

Ameritech Financial and canceled the service and asked for a refund. The company 

told consumer that they will contact her in 48 hours to two weeks. UPDATE: 7.19.2018, 

consumer states that Ameritech Financial returned her call and stated they have taken 

the FTC to court. They also state that all the money she has paid has went to her 

student loan and they refuse to give her a refund. 

1240 97847549 07/20/2018 Ameritech Financial

Consumer received a letter from the FTC about Ameritech Financial. Consumer states 

she got a letter in the mail from them. Consumer states that she don't know how much 

money she's sent. They would take out $99 a month. UPDATE 7/20/18:Consumer did 

contact Ameritech Financial to stop her account and to ask for a refund. She is told 

they have counter sued the FTC and have been cleared. She was denied the refund. 

Suggested she keep an eye on the FTC website. 

1241 97947307 07/20/2018 Ameritech Financial

The consumer reports she received a letter from the FTC in regards to 

Americatech.Consumer reports they received a call from Ameritech Financial offering 

to consolidate their student loan debt. Consumer reports they do not have a student 

loan. Consumer reports they requested for personal information.

Ortiz Attachment A - 268

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 269 of 511
Page 269

# Reference Number Complaint Date Company Name Complaint Info Comments

1242 97947374 07/20/2018 Ameritech Financial

Consumer received a letter from Federal Trade Commission about Ameritech 

Financial. Consumer contacted them about trying to pay off his student loans. 

Consumer said he doesn't remember how he first got in contact with them. Consumer 

said the thought they were paying off his loans. Consumer paid $150 a month out of 

his checking account.

1243 97947637 07/20/2018 Ameritech Financial

The consumer received the letter concerning Ameritech Financial and the consumer 

called said company to request a refund and the company said they had done their 

service and did not refund the consumer his money, 132 dollars per month and states 

he has paid for about 2 years. Consumer will call back with accurate numbers.

1244 97947707 07/20/2018 AmeriTech Financial

They told me that they could help lower my payments and save on interest paid over 

the length of the loan. The first year part of my payment would go towards the loans 

and the rest was for the fee they charged for their services. Then after that the full 

payment would be going towards my loans. I have paid them now for almost two years 

thinking I was making payments on my loans. How can I get that money back? How 

has that affected my loan status? What do I need to do to stop this and fix everything?

1245 97948050 07/20/2018 Ameritech i have been paying this company years maybe even 5 years and a one time for the 

start of the 18004881490 is company #.

1246 97948158 07/20/2018 Ameritech Financial

Consumer is calling to report that he received a letter in the mail from Ameritech 

Financial. Consumer indicate he has been a customer since 2016 and is paying $173 

month and payment was drafted out of his account.

1247 97954425 07/20/2018 Ameritech Financial Consumer reports they received a call from Ameritech offering to lower their monthly 

payments on their student loan. Consumer reports they were promised a loan 

forgiveness if paid for 2 years. Consumer reports they were paying at the rate of $132.

1248 97954464 07/20/2018 Ameritech Financial

Consumer is calling to report she received a notice in the mail from Ameritech 

Financial offering to cut down her monthly payments and her loan would be lowered. 

She agreed to it in 03/2017 and was paying $82 monthly, which was taken from her 

checking account. Now she has received a letter informing her about the action being 

taken against Ameritech Financial.

1249 97954673 07/20/2018 Ameritech Financial

Consumer reports she is a victim of the Ameritech Financial scam. Consumer was 

contacted by Ameritech who offered to pay off her student loans. Consumer was put 

on a payment plan and paid about $85 a month. Consumer later received a letter from 

the FTC about the lawsuit they have with the company.

1250 97954874 07/20/2018 Ameritech Financial

Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate she has been a customer since 2016 and is paying $100 

month and payment was drafted out of her account.

Ortiz Attachment A - 269

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 270 of 511
Page 270

# Reference Number Complaint Date Company Name Complaint Info Comments

1251 97954959 07/20/2018 Ameritech Financial

The consumer received the FTC letter about Ameritech Financial. Consumer did sign 

up with said company and has paid about 1,200 dollars for the past 2 years so they 

could help her with her student loan. Consumer tried to contact Ameritech Financial but 

they did not answer only their answering service.

1252 97954972 07/20/2018 Ameritech Financial

In March 2016 I went on line to and typed in Obama forgiveness on student loans, 

Amertech Financial contacted me and told me I would make monthly payments of 

207.00 to them through 2016, in January of 2017 my payments would drop to 99.00 a 

month and would contuine for 6 years, then the rest of my loan would be forgivien 

trough the Obama Act. Since I was struggling to make payments to Navient and pay 

medical bills, I agreed to this I filled out and signed to papers they sent me via email, I 

never sent them a copy of my pay stubs. I just signed a new agreement this year, but I 

have not sent them my paystubs or tax papers.

1253 97955027 07/20/2018 Ameritech Financial

In 2016 I was contacted by this company about alleviating student loan debt. I would 

give them the ability to be a liason for me, I would pay fees less then my current loan 

payments and in time my loans would be paid off. From 2016 until now, July 2018, not 

a cent has gone to, or been attributed to my loan payments. I currently called to cancel 

and was told that I would not be refunded for moneys paid to the organization. OtherOther Update

1254 97955058 07/20/2018 Ameritech

Consumer received a notice stating that, we are filing a lawsuit against Ameritech. 

Consumer called to cancel, and get her money back. Consumer was told that, the 

money went to the services, that were already rendered.

Ortiz Attachment A - 270

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 271 of 511
Page 271

# Reference Number Complaint Date Company Name Complaint Info Comments

1255 97965246 07/20/2018 Ameritech Financial

I responded to a mailer regarding help with my student loan monthly payment. I was 

connected to Greg Davis, a representative for Ameritech who informed me of a 

program that could not only lower my monthly payments but lower the balance with 

only a years added to the terms of the repayment. I did some research and even 

checked the Better Business Bureaus website which provided an A or A+ rating from 

my recollection. After providing specific financial documentation, my payments 

lowered to $99/month. I was enthusiastic about the help I thought I was receiving and 

as they recommended, I posted info on my social media outlet for my friends, 

coworkers and family to see and possibly feel that my information was genuine and 

their company is trustworthy. I received a letter on June 27, 2018 from the Federal 

Trade Commission stating that they are currently seeing Ameritech Financial for 

deceptive practices. I immediately checked my student loan balance (which I 

unfortunately did not do in a while) and saw that my balance was higher and I had been 

misled by Ameritech Financial. I am embarrassed. I stopped my bank from paying 

any future charges. I contacted Ameritech today at 1:30p EST and was transferred to 

"AJ" a supervisor at Ameritech Financial. I asked for a refund as recommended in the 

letter from the Federal Trade Commission and he stated that they would not give a 

refund but would cancel my "membership". I asked for his last name for reference and 

he stated that he could not provide it. I asked for his employee ID# for reference and 

he stated that he could not provide it. I ask for a direct extension for possible future 

communications and he informed me to the call customer service line. I asked if he 

was the only "AJ" in the company and he stated yes. I asked him if he was at the 

same location as the customer service department and he said yes. He stated his 

work hours are Monday thru Friday 8a to 5p PST. I hope this helps.

Ortiz Attachment A - 271

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 272 of 511
Page 272

# Reference Number Complaint Date Company Name Complaint Info Comments

1256 97965552 07/20/2018 Ameritech Financial Service 

I was innitially contacted by mail , promising stident loans forgiveness ! Once I called in 

for more information Bill Clark gave me a very long and confusing “explanation” stating 

that $99 is their membership fee and the additional $32 is the minumum paymnet they 

make towards student loans as they manage it and in 25 -30 years by paying that 

minimum of $30 - i would end up paying “off “ a part of my student loans and the rest 

would be forgiven and wiped off my credit history! Bill explained that if i would be 

working for a non profit organization my student loans would be forgiven in a much 

shorter time. I have looked at my student loans online and noticed that the only thing 

they have been doing is applying for forbearance every month and thats it . I was 

confused but convinced that they jnow what they are doing at managing my loans. I still 

have the paper they initially sent me through the mail with all the breakdown of how 

they pay to the student loans and how many years it would take and how much I would 

end up paying by paying through them compared to making monthly payment directly 

to the student loan servicer -which i woudl end up paying 3 times as much.

1257 97965818 07/20/2018 Ameritech

I was first in contact with Ameritech last summer to set up payments for my student 

loans. I paid a higher rate for the 1st three months and was told that I would pay $108 

a month towards all of my loans consolidated into one payment for 3 years and then 

my loans would be forgiven.

1258 97965924 07/20/2018 Ameritech

student loan for my son ameritech said they would cut my student loan in half if i paid 

them 165.00 monthly. when i called them the representative they are only to cut my 

loan. now nothing has been put on my bill over a thousand dollars due for interest 

Other-Other Update

1259 97977313 07/20/2018 Ameritech Financial

Consumer received a letter from the FTC about Ameritech Financial. Consumer did 

pay every month to help forgive his student loans. Consumer had a question about why 

he received this letter from the FTC. Consumer said he saw an advertisement online 

and he called them. Consumer had the money taken out of his bank account monthly.

1260 97977498 07/20/2018 Ameritech Financial

Consumer was contacted about 2 years ago from Ameritech Financial stating about a 

loan forgiveness program, consumer signed up and was paying 200 dollars a month 

and then it went down 100 dollars a month. Consumer has paid them about 4300 

dollars for two years, and they have been calling him every month since.

1261 97977509 07/20/2018 Ameritech

Consumer stated she got a letter from FTC about Ameritech. Consumer stated that 

she called Ameritech to consolidate her federal loans, she signed documents and she 

needed to pay $67 monthly. Consumer has paid $335.

1262 97977734 07/20/2018 Ameritech

they told me they could lower my students loans and considate them to one loan and 

pay it off in five years and the remainder balance wouldnt be owed or forgived if i paid 

150 every month to them

Ortiz Attachment A - 272

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 273 of 511
Page 273

# Reference Number Complaint Date Company Name Complaint Info Comments

1263 97984145 07/20/2018 Ameritech

The consumer reports that she received our letter regarding Ameritech. The consumer 

reports she signed up with them after she received mail from them. The consumer 

reports the letter stated if she didn't sign up for the program she would have to pay 

$700 a month. They stated they could lower her payments and they stated the funds 

would go to her loans. The consumer reports she has sent them around $3600. The 

consumer called them to get a refund. The consumer reports they stated that they 

couldn't. The consumer reports he couldn't explain what she was paying him for.

1264 97984454 07/20/2018 Ameritech

I was contacted by Ameritech in 2016 by mail. I called them about lowering my monthly 

student loan payments. They then asked me a series of questions to determine my 

budget and see if I qualified for lower payments. At the end of the phone call they said I 

qualified and advised me of my new monthly payments. They also had me provide 

them with my username and password to my student loan account so they could 

manage my account for me. I set up a direct draft from my bank account for the 21st of 

every month. The payments started out at $242 a month for 6 months and then 

because of my good standing in making my payments every month they reduced my 

payments to $95 a month. One day I logged into my student loan account after having 

to change the password to view my account and seen that my student loan balance 

had remained the same in terms of what I owed. I then called Ameritech and asked for 

the balance of my student loans and no one could give me an answer. I also sent an 

email asking for the same and still nothing. Finally after a little over a year of making 

payments to Ameritech myfedloan emailed me stating that my account was over 90 

days past due. I immediately logged into my account and could not see any payments 

that I had made in my payment history. I then called myfedloan and that is when I had 

found out that I had been scammed. At the time my fedloan had never heard of 

Ameritech but explained to me another similar company that had been known for 

scamming people. The rep advised me to put their name on the FTC website to try and 

flag others from using them. I then had to do a real defferement of my student loans so 

I could bring my acoount back current and get back on track with paying my loan. I was 

scammed out of over $2,000 and could not even claim the interest for a tax deduction 

since I techinically never made any payments. Ameritech stole from me and put me in 

a worse position than I started in.

Ortiz Attachment A - 273

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 274 of 511
Page 274

# Reference Number Complaint Date Company Name Complaint Info Comments

1265 97984588 07/20/2018 Ameritech Finnacial 

I was contacted by a person claiming to be a representative of a company which would 

help me lower my student loans. I was informed that I would have to pay an upfront 

fee to start the servicd and monthly to help pay of the loans. I was coerced into saying 

the word yes multiple times following a person randomly speed talking through a series 

of statements which followed the person who contacted me saying just say “yes” after 

everything that is said and that it was just a bunch of techinical talk which meant I had 

given Ameritech Finnacial the permission to send the money I was paying to pay 

towards my student education loans. Recently after imforming them that I wanted to 

cancel my account with them, the representitive switched to telling me I had to pay 

them for my account to move forward. I told them I just wanted to cancel but they 

continued to say they couldn’t access or modify my account until I payed them to get 

my account with them up to date. I was also informed that my money was 

nonrefundable. Even after this conversation I continue to get enails from them telling 

me I need to contact them to make my account up to date.

1266 98002539 07/20/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Confusing or missing disclosures | --- What Happened: February 

22nd, 2016 I enrolled with Ameritech Financial as part of the Public Service Loan 

Forgiveness Program. I began making payments March 22nd, 2016. My last payment 

was made June 24th, 2018, total paid is $3,720.00. When I called Ameritech yesterday 

after receiving the FTC letter notifying me that they had sued Ameritech for deceptive 

practices, Ameritech had informed me that I had only been participating in the 10 year 

loan forgiveness program for 8 months despite payment towards them since March of 

2016. They explained to me that the money that I had paid was all towards preparation 

fees for paperwork, and was non-refundable. They also said that the $99.00 a month 

that I pay was not going towards the student loan, but was for a membership fee for 

their program. Their program includes products and services that I would never use. In 

addition, part of the requirements to be enrolled in their program was to file my Federal 

taxes as married filing separate, which created a tax due in 2017. However, per 

Ameritech I wasn’t even technically enrolled in the Public Service Loan Forgiveness 

Program in 2017. I canceled my membership July 18, 2018, and will be applying for the 

Public Student Loan Forgiveness Program through the Department of Education. --- 

Have contacted: CC Issuer --- Fair Resolution: A complete and total refund at a 

minimum of what I have paid Ameritech. To be able to refile my taxes like I normally 

would have done.

Ortiz Attachment A - 274

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 275 of 511
Page 275

# Reference Number Complaint Date Company Name Complaint Info Comments

1267 97352820 07/20/2018 Ameritech|Aid Nest

Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. 

She has sent them approximately $400 and they have not paid any student loans. 

UPDATE 07/02/2018: Consumer is calling to update the correct date she enrolled with 

Ameritech and also the amount she paid. DC UPDATE: 7/11/2018 Consumer called to 

report she is paying a second company, Aid Nest, for the same fraudulent services. 

The company hacked into her Navient account and changed her information without 

her permission. The consumer verified with Navient that it was fraudulent. The 

company has taken out over $304 from her account. UPDATE 07.11.2018: 

The consumer called the PH# on the FTC Ameritech letter, and Ameritech told 

consumer they had no billing dept. to speak too. Ameritech also said they had law suit 

against the FTC. . UPDATE:07/20/2018 Consumer wanted to know if there was 

any updates. Consumer was advised it is still on going. 

1268 97365041 07/20/2018 Ameritech Financial

Consumer reports she paid Ameritech Financial for about six months to help her with 

lowering her student loan payments, she though the payments would go to her debt but 

she just found out there hasn't been any payments on her student loan debt. Update 

072018: Consumer was explained the roll of the FTC. 

1269 97984682 07/21/2018 Ameritech Financial 

I was contacted by Ameritech financial in September 2017 about setting up a student 

loan forgiveness program. i set it up and have been making payments since totaling 

$1930. I double checked my student loans and no payments have been made to date. 

Ameritech Financial did not make payments like they said they would. Other-Other 

Update

1270 97991209 07/21/2018 Ameritech

In 2016 I received a letter in the mail from Ameritech stating they could assist me with 

paying off my student loan. I contacted them in August of 2016 & spoke with a Susan 

Evans. From there she lead me to believe I could make payments to Ameritech which 

Ameritech would hold until my student loan was out of deferral. my loan deferral was to 

end in December 2017. I believe I was paying Ameritech or its partnering company 

about $100.00 which was coming out of my bank account. I believe I contacted 

Ameritech in November 2017 to ask if the money I had invested would go toward my 

loan. At that time I was informed that the money I invested wouldnt go toward my loan. 

I asked for a refund & asked for them to cancel my service with Ameritech. I was 

informed that I couldnt receive a refund, but my service with Ameritech was cancelled. 

I do have supporting emails & bank statements to support my complaint.

1271 97991407 07/21/2018 Ameritech Financial Ameritech did not. update my loan forgivinrss information like they said they would.

Ortiz Attachment A - 275

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 276 of 511
Page 276

# Reference Number Complaint Date Company Name Complaint Info Comments

1272 97991489 07/21/2018 Ameritech Financial 

I have been consistently skeptical of this business. I thought I was paying towards my 

student loans and then nelnet contacted me tellinf me I have not been paying. I 

contacted Ameritech and questioning what I was paying and they said their fees. I have 

since stopped paying and have felt mislead and misguided bu this wjolw situation. they 

asked me to sign over all my informartion ak they could handle my student loans and 

that wirhin 10 years they would be forgiven- since then I have spoke with Nelnet and 

have been informed that my employer is a forprofir hospital and that I do not at this 

time working for this employer qualify for what they said I was paying towards and that I 

was being scammed.

1273 97991809 07/21/2018 Team AmeriTech Financial 

I have emails saved from them. Amertitech is debiting my bank account $108.00 

monthly since Aug 2016. I have never fully submitted all of my paperwork that they 

requested, ie: Please see below for the complete list of documents we require. Most 

Recent 30 Days of Paystubs: NeededMost Recently Filed Tax Return: 

NeededStatement of Income: N/APSLF Employment Certification Form:N/AStop 

Automatic Payment To Servicer Form: N/ARecent Loan Servicer Statement(s) or 

Documents: N/A (Pulled Fed Site Statement)IBR/ICR Application Form: Need Client 

SignatureForbearance Form: Need Client SignatureStop/Freeze Forbearance Form: 

N/AFamily Size Letter: N/AVoided Check: NeededNotes by our Document Collection 

Department: How awful of this company to not be legitimate!

1274 98019437 07/21/2018

Ameritech Financial|Ameritech 

Financial|Siena Heights 

University

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I have been paying Ameritech Financial 99.00$ 

a month to handle my student loans which in the end after a certain amount of time 

they said would be totally taken care of with no money owed. So since I have been 

taken advantage of I would like to know how to get the money back that I have been 

paying them to do nothing with my account. --- Fair Resolution: Get the money back 

that has been paid for nothing. --- School Unit ID: --- School OPE ID: 

1275 97997412 07/22/2018 Ameritech

I am a diabled veteran and was contacted by Ameritech to assist with my loan 

payments. They requested $290 up front to enroll and then $173 per month. I was told 

this money would be transferred to my loans and as I see from the FTC paperwork I've 

received, it has not. I'm going to un-enroll in this program immediately. Please contact 

me at your convenience if you have any questions or if I can help in any way. As a 

single parent, with a low income, the money that has been taken already and not 

applied to my loans is crippling to have to pay again.

Ortiz Attachment A - 276

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 277 of 511
Page 277

# Reference Number Complaint Date Company Name Complaint Info Comments

1276 98003985 07/22/2018 Ameritech Financial

A couple of years ago, I was told that this "new" program would forgive the entirety of 

my student loans if I were to make 120 qualified payments. I provided the company my 

financial information and they completed paperwork on my behalf and enrolled me in 

an income-based repayment plan and for public service loan forgiveness. My service 

provider (Navient) issues me a bill for $0.00 every month, while my loans are accruing 

interest. It was my understanding that the money I was paying to Ameritech were my 

"qualified payments" and I've now been made aware that this "qualified payment" is 

actually for services rendered by Ameritech... This was not clear initially - if they told 

me that filling out paperwork once per year would cost $1200 - I would not have given 

them the time of day. For the first year, I paid $200 per month, and was told that rate 

would go down once I had paid for a year - it was then reduced to $100 per month. 

When I noticed that my student loan statements were increasing - I called and was told 

by Ameritech that my money was put in an account and that after the time period of the 

loan was over (10 years) they would settle the debt; therefore they mistakenly 

reassured me that it didn't really matter how much interest accrued because it would 

be forgiven. Then, I received a notice from the FTC about how a formal complaint was 

filed against Ameritech. I've paid this company ~ $4000 and they refused to reimburse 

me... essentially saying that it would only happen if the court ordered it - which I am 

sure will be quite a lengthy process. All in all, I feel if this company had been up front 

and told their customers that they were paying thousands of dollars for them to fill out 

paperwork annually - they would not have many customers. Why would I pay a 

company, when the money could/should have been going to my loans? Now I've lost 

thousands of dollars and I am sure this will negatively affect my credit somehow. 

Please keep me up to date and let me know if you need more information.

1277 98004053 07/22/2018 Ameritech Financial

The customer service representative lead me to believe that I was enrolled in a student 

loan Debt Forgivness program and 32,000 of the loan amount would be forgiven if I 

paid 13,743 over a ten year period. And my payments could only be made by auto pay 

electronically through my bank using their third party company (Global Client Solutions 

which then changed to Account Management Plus on 02/01/2017) to process the 

payments. Other-Other Update

Ortiz Attachment A - 277

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 278 of 511
Page 278

# Reference Number Complaint Date Company Name Complaint Info Comments

1278 98004168 07/22/2018 Ameritech

I have been paying Ameritech Financial since June of 2017, 82 dollars a month. I 

received a letter from Ameritech letting me know that they can help me with student 

loan debt relief. It was worded in a way that at first seemed like it was from my loan 

lenders directly, so that is what caught my attention initially. I gave them a call and 

researched pretty extensively, coming to the conclusion that they seemed like a 

legitimate service. I originally was paying a very low monthly rate on my student loans, 

so when I called and found out the prices from ameritech, it was actually higher, but 

the salesman had convinced me that it was better that way, and that my previous way 

of paying off my student loans was ineffective due to high interest rates. Seeming like 

this was the better option after our conversation, I agreed to move forward. He then 

proceeded to ask me information that resulted in a phone call lasting over an hour to 

finish it all. It included creating a login with them, and I can't remember if I even gave 

them my login information for my student loans as well, but I'm pretty sure I did. I was 

later sent some forms I needed to fill out and send back to them as soon as possible. I 

filled out some, but did not finish all of it. I received emails saying that I needed to 

complete it. I called months later and when I asked what needed to be completed, 

oddly enough they told me everything was fine and I was not due for an information 

update yet. When I recently received the letter from the FTC regarding the lawsuit 

against Ameritech financial, i was very upset to find out that for over a year this 

company has been taking my money and not even paying off my student loans on my 

behalf like they had originally promised. It upsets me to think that I thought I was 

catching up on my student loans when in reality I am probably more behind than ever 

after finding this out. I will be following all directions on the letter I was mailed from the 

FTC and am hoping for a full refund from Ameritech Financial. I am also hoping that 

my information has not been changed either. I would love to be contacted regarding 

any updates on this case. Thank you.

Ortiz Attachment A - 278

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 279 of 511
Page 279

# Reference Number Complaint Date Company Name Complaint Info Comments

1279 98025620 07/22/2018

Ameritech Financial|Ameritech 

Financial|University of Southern 

Indiana

 

charged --- What Happened: Ameritech Financial, and or Financial Education Benefits 

Center (FEBC), lead me to believe they were a loan servicer for the Department of 

Education. I had no idea they were not a legitimate servicer until I received a noticed 

from the Federal Trade Commission in July 2018, stating Ameritech Financial/FEBC is 

being sued by the FTC for deceptive practices. I immediately tried to login into my 

FAFSA account, as noticed stated to do, only to find the password I last known it to be, 

had been changed and non of my verified information was up to date. Upon much 

needed research, I called Student Loan Support Center on July 16, 2018, when a 

gentleman named Robert helped me to gain access and control of my FAFSA account. 

He also confirmed the lawsuit was legitimate and the following fraudulent activity. I had 

no idea that on April 22, 2016, Ameritech Financial/FEBC filed an IDR on behalf stating 

I have 2 children, 4 other dependents, and an annual income of $43,500. Which is a 

complete lie. I have never wanted children nor do not have any children, I was single 

and living alone, and earning $45,000 at the time. Then, on June 30, 2017, they recertified the April 2016 IDR stating I had zero children and 6 other dependents with an 

annual income of $49,000, and that I worked for a public service company. Again, do 

not have children, nor dependents, I have never worked for a public service company 

since I have been out of college, and I do not believe they filed the correct annual 

income. From April 21, 2016 to June 22, 2018, Ameritech Financial/FEBC charged me 

fees totaling $3,861 (attached) for services the government apparently offers for free. 

While Ameritech Financial/FEBC acted as a sponsor, they used the following service 

agents to process fees: Global Client Solutions and Account Management Plus, in 

connection with Reliant Account Management. Ameritech Financial/FEBC enrolled me 

in federal programs that I did not qualify for leaving me no capability of actually paying 

down my loans, and or the accumulating interest causing me $3,462.10 in capitalized 

interest (attached). These unlawful and defrauding acts of defamation, along with 

consumer and systematic abuses, has caused me immense pain and suffering, 

emotional distress damage, and mental anguish. I feel extremely violated, 

embarrassed, grief, depression,and anxiety. Not to mention the hours of research and 

time this whole process has taken away from my means of making a living. I am an 

accountant, this is quarter end, and making time to address this unfortunate situation 

Ortiz Attachment A - 279

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 280 of 511
Page 280

# Reference Number Complaint Date Company Name Complaint Info Comments

1280 98004606 07/23/2018 Ameritech Financial

 

me to notify them immediately concerning my student loans. The letter said they would 

be able to assist me with lowering my payments and getting me on the right track to 

loan repayment. I contacted them and spoke with a Representative by the name of 

Grace Wills. She initially began explaining to me what she would be able to help me 

with and asked for a lot of personal information (i.e. SSN, full name, address, bank 

acct information, ect.). She then proceeded to tell me that my payments would be 

"approximately $233" and that "$99 would be their fee and the rest 

would go towards loans." She also said it could be lower, once fully processed, 

because she received alot of information about my personal expenses so that it could 

be factored in for the final decision of the loan repayment amount. I agreed to the 

payment and that was when she received my bank acct information to set up automatic 

withdrawal. After my first payment of $235 was taken out on Feb. 23,2018, I thought 

that was what was agreed upon for my repayment. However, in the beginning of 

March, i received an email from NelNet (my currebt loan holder) that my loan 

repayment was $815 and it was going to be deducted the 12th of each month. I 

immediately contacted them and was told that they knew nothing of the $235 payment 

and that it did not go towards any parts of my loan. I was also informed that my 

payment would be much lower by the 12th because of the personal expenses 

information that was given to them. The Nelnet rep told me to contact the third party. 

Upon doing so, I was told that the $233 was payment for them helping me with my loan 

and that i would be obliged to cancel after August once they received full payment. I 

was under the impression that of I stopped paying them, it would affect my loan 

repayment plan, so I continued to pay. Around the beginning of July, i received a notice 

in the mail from the Federal Trade Commission about Ameritech Financial and its 

fradulent practices. I Immediately tried to contact them but I could not get in contact 

with anyone. when i could not contact them, I called my bank (Navy Federal Credit 

Union) and informed them of what happened. I was immediately transferred to their 

fraud department and instructed to close my checking account and to open a new one 

so that there would be no chance of them ecwr taking money from my account again. i 

also changed my Nelnet passwords and any other passwords that I gave their 

representative access to. This situation has frustrated me beyond understanding. All I 

Ortiz Attachment A - 280

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 281 of 511
Page 281

# Reference Number Complaint Date Company Name Complaint Info Comments

1281 98004655 07/23/2018 American Financial Benefits 

Center

American Financial Benefits Center came to me at my lowest, when I could not repay 

my loans in full, and was struggling to make the lowest payments. After finding IBR 

through the Department of Education, a letter soliciting a service that would not only 

consolidate but bring me a lower interest rate with their membership services. I took 

full advantage of the offer as soon as possible and soon began paying $50 to $100 a 

month to keep my membership current, under the impression that the money I was 

paying serviced the Department of Education loans. They did not and over the course 

of 5 years, I have sunk more than $3000 that I could have been spending on widdling 

down my loan amounts. Every time I would confront their service managers, they 

would redirect me without many answers. It was even hard for me to cancel and make 

sure they were not drawing anything from my account. This whole experience has set 

me back thousands, as now I have more catching up to do. What a sick and 

disgusting scheme to take money from some of the youngest Americans looking to 

CRAWL up the totem pole. Other-Other Update

Ortiz Attachment A - 281

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 282 of 511
Page 282

# Reference Number Complaint Date Company Name Complaint Info Comments

1282 98010325 07/23/2018 AmeriTech Financial NSLDS

 

Forgiveness by this company, because I was having trouble securing a Job in my field 

of study and could not make the required student loan payments they told me that I 

qualified for this program. I told them I was interested and was transferred to one of 

their Loan Reps, Phil Lacefield. Phil explained to me that I could try and file for Loan 

Forgiveness on my own, but that people who do this are often denied because the 

Department of Education requires you to fill out several legal documents that are so 

technical that you would have to have a legal degree to understand most of them let 

alone, fill out and process them properly. Phil explained how they specialize in helping 

people like me who have tried to do this on their own and failed or are getting tied up in 

all the Red Tape that the DOE throws at you. He then explained how for a small 

monthly fee of $74 plus a monthly processing fee of $8, that he can file this paperwork 

for me, that would reduce my student loans to only a few dollars a month or no 

payment at all and that by 2020 if I have not yet secured a job in my field of study and 

can show that I have been actively trying that they can then try and have the loans 

practically or completely forgiven with the DOE. This service started in Dec of 2017, 

and I have been in constant contact with the company and paying the company since 

through direct debit from my checking account with a company Called RAM Reliant 

Account Management, https://www.ramservicing.com/ phone 949-859-1404. This is 

the company collecting the payments. According to this company $25 dollars goes to 

Ameritech for service fees, $8 to RAM services for account fees, and that $49 a month 

is being paid by Ameritech to the DOE towards the loans and forbearance fees. Until I 

received the letter from the Federal Trade Commission I assumed that the DOE is 

being paid the most I can afford to pay towards my student loans based on my income 

and that Ameritech was paying them this amount, the reason I believed this is because 

whatever Ameritech did show that all my separate loans were consolidated into one 

Loan and now shows that I am in good standing on my credit report. At this point I am 

afraid to stop paying this company because I do not know exactly what they did even 

though I possess all the paperwork they supplied me, all I know is that the 82 dollars I 

am paying each month to Ameritech to keep my credit clean so that I can have a 

chance to get the job I studied for is the only chance I have at getting a job in that field 

of study, even with that I cannot get the job I studied for because of other requirements 

1283 98010517 07/23/2018 Ameritech Financial

Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate she has been a customer since 2016 and is paying $150 

month reduced to $99 and payment was drafted out of her account.

Ortiz Attachment A - 282

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 283 of 511
Page 283

# Reference Number Complaint Date Company Name Complaint Info Comments

1284 98010584 07/23/2018 Ameritech Financial

I was researching help for my student loans. I came across their website and I was 

looking for reviews on it. There was a website that a well known person backed them. 

I don't remember the details. I contacted them and spent an hour on the phone setting 

things up. I was hesitant at first but the lady I talked to informed me everything was 

fine and that was why that website that backed them up was for. I was supposedly on 

income-based payment plan with Navient, but she informed me that I wasn't so I went 

ahead with it. She asked how many dependents I had, and it's just me but she told me 

to include other i help out like if I had neices and nephews or other family members. I 

went along with it. The only thing I had to pay was $88 a month for 10 months. That 

was their fee for filing all the paperwork. I got the letter in the mail and I was upset 

because I believed them. I don't know what to do now.

1285 98010673 07/23/2018 Ameritech

Consumer has rec'd a letter from the FTC v Ameritech lawsuit. Consumer states that 

she rec'd a call from Ameritech wanting to assist her with her student loan. She has 

been making payments of $82 for at least five years with her bank. Consumer states 

that her bank will refund the last year of payments.

1286 98010680 07/23/2018 Ameritech Financial

Consumer is calling to report in the past she has received notices in the mail from 

Ameritech Financial offering to consolidate her student loans and lower her monthly 

payments. She says she has been making monthly payments for about four years. At 

the beginning they were deducting over $100 and now it has lowered to $100 monthly. 

She was promised that she would only be paying for ten years if any amount was owed 

by then, it would be forgiven. Consumer has received a notice informing her of the 

case FTC has against Ameritech Financial and would like to be a part of the lawsuit to 

try and get her money back.

1287 98010707 07/23/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $88 for the last eight 

months to cover their student loan consolidation services. So far she has paid them 

$704 which has not gone towards her student loan debt. She just received a letter from 

the FTC regarding action being taken against Ameritech.

1288 98011125 07/23/2018 Ameritech Consumer is calling saying she had received a letter from the FTC about a law suit 

against Ameritech. Consumer is calling to make a report against Ameritech.

1289 98011247 07/23/2018 Ameritech Financial

Consumer is calling on regards to a letter received by the FTC about Ameritech 

Financial. Consumer reports that Ameritech Financial have promised to enroll 

consumer into a government program that they claimed would permanently lower 

monthly student loan payments for a loan forgiveness. Consumer reports that she was 

paying $82 monthly. Consumer reports that she will reach out to Ameritech Financial 

for a refund.

1290 98022272 07/23/2018 Ameritech Consumer called to report that she received a letter regarding the FTC vs. Ameritech. 

Consumer states that they were supposed to help her consolidate her student loans.

Ortiz Attachment A - 283

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 284 of 511
Page 284

# Reference Number Complaint Date Company Name Complaint Info Comments

1291 98022334 07/23/2018 Financial Education Benefits 

Center

Consumer states she would file a complaint against Financial Education Benefits 

Center. Consumer states her sister referred her to Financial Education Benefits Center 

since her sister had received a letter in the mail offering to lower student loan 

payments. Consumer states she did call them and they did offer to lower her student 

loan payment, consumer states they requested that she pay $207 11 times which 

included fess and then $99 a month. Consumer states she paid around $4000.

1292 98022390 07/23/2018 Ameritech

Consumer states that she received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states she was offered assistance with reducing 

her student loan from Ameritech. Consumer states that she was told if she paid $200 

for the first 12 month she would only pay $99 a month for the next two years, they were 

able to forgive her loan. which she found out that no payment was going to her student 

loans. consumer wants to know how she can retrieve her money and where to receive 

additional information.

1293 98022496 07/23/2018 Ameritech Financial

Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate she has been a customer since 2016 and is paying $230 

month for a year and $97 payment was drafted out of her account.

1294 98022542 07/23/2018 Ameritech

Consumer called to report that she received a letter from the FTC regarding Ameritech. 

Consumer states that they were supposed to help with her student loans but they 

didn't. Consumer states that she was being charged 250 dollars a month until paying 

800 dollars then began to be paid 99 dollars a month for a few months.

1295 98022657 07/23/2018 Ameritech

I enrolled in the program with Ameritech thinking that that was what I needed to do to 

do the loan forgiveness program. I had to pay an initial fee of $207 and then $99 each 

month thereafter. I thought that that money was going towards my student loan 

payments, but in fact, it was for special benefits that according to your letter, were 

benefits that I could've gotten through PA Dept of Ed for free and that I shouldn't have 

been paying. If I could get that money back as a result of this lawsuit, I'd really be 

grateful. Thanks so much for contacting me. I have since cancelled my membership 

with Ameritech.

Ortiz Attachment A - 284

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 285 of 511
Page 285

# Reference Number Complaint Date Company Name Complaint Info Comments

1296 98027662 07/23/2018 Ameritech Financial

 

believe they were a loan servicer for the Department of Education. I had no idea they 

were not a legitimate servicer until I received a noticed from the Federal Trade 

Commission in July 2018, stating Ameritech Financial/FEBC is being sued by the FTC 

for deceptive practices. I immediately tried to login into my FAFSA account, as noticed 

stated to do, only to find the password I last known it to be, had been changed and non 

of my verified information was up to date. Upon much needed research, I called 

Student Loan Support Center on July 16, 2018, when a gentleman named Robert 

helped me to gain access and control of my FAFSA account. He also confirmed the 

lawsuit was legitimate and the following fraudulent activity. I had no idea that on April 

22, 2016, Ameritech Financial/FEBC filed an IDR on behalf stating I have 2 children, 4 

other dependents, and an annual income of $43,500. Which is a complete lie. I have 

never wanted children nor do not have any children, I was single and living alone, and 

earning $45,000 at the time. Then, on June 30, 2017, they re-certified the April 2016 

IDR stating I had zero children and 6 other dependents with an annual income of 

$49,000, and that I worked for a public service company. Again, do not have children, 

nor dependents, I have never worked for a public service company since I have been 

out of college, and I do not believe they filed the correct annual income. From April 21, 

2016 to June 22, 2018, Ameritech Financial/FEBC charged me fees totaling $3,861 

(could not attach) for services the government apparently offers for free. While 

Ameritech Financial/FEBC acted as a sponsor, they used the following service agents 

to process fees: Global Client Solutions (GCS) and Account Management Plus (AMP), 

in connection with Reliant Account Management (RAM). Ameritech Financial/FEBC 

enrolled me in federal programs that I did not qualify for leaving me no capability of 

actually paying down my loans, and or the accumulating interest causing me $3,462.10 

in capitalized interest (could not attach). These unlawful and defrauding acts of 

defamation, along with consumer and systematic abuses, has caused me immense 

pain and suffering, emotional distress damage, and mental anguish. I feel extremely 

violated, embarrassed, grief, depression,and anxiety. Not to mention the hours of 

research and time this whole process has taken away from my means of making a 

living. I am an accountant, this is quarter end, and making time to address this 

unfortunate situation has been an impediment on my career. Ameritech FInancial, 

Ortiz Attachment A - 285

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 286 of 511
Page 286

# Reference Number Complaint Date Company Name Complaint Info Comments

1297 98027666 07/23/2018 Ameritech Financial

When I first entered the program it was explained I would pay approximately 

$223.00/mo for the first year then $99/month for Ameritech services. I redid my student 

loans after the first year and was told my payment would be drafted 24th each month 

with $99 for Ameritech and $121 for student loans. Little did I know, they were NEVER 

collecting for student loans. I did not catch this error because I did not access 

FedLoans because I started back in school. So my loans went into deferment because 

of being in school. It wasn't until I finished school again and started to receive FedLoan 

emails that a payment for $115.78 is due. I calledAmeritech the first time and forward 

this email, I was told I do not owe anything until September 11,2018 except $99. 

Today, I get another email from my loans indicating I am late. I immediately forwarded 

it to Ameritech. This time and only this time after I mentioned the lawsuit was I told well 

we never pay student loans it's in the contract. I was livid, I have been told from day 

one there will be two drafts one for Ameritech and one from the Fedloan but here I 

checked my FedLoan, The whole time I owe $0/month because of IDR. I have now 

called again and email demanding to cancel my services. All they did for me was 

mislead and submit documents I can.

1298 98027683 07/23/2018 Ameritech

I was told to make initial payment to start up my account. My payments are drafted 

from my bank of 82.00 a month I was told this would be paid to my student loan each 

month for 32 months then my loan will be forgiven.

1299 98027885 07/23/2018 Ameritech Financial

Consumer rcv'd a letter about FTC v. Ameritech Financial. Consumer has been paying 

Ameritech Financial every month to resolve their student loans, but Ameritech has not 

been fulfilling the terms of the contract. Consumer agreed to a contract of 300 months 

at $400/mo for the first 4 months, $100/mo for the remainder of the contract.

1300 98027903 07/23/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $99 since November 

of 2016 to cover their student loan consolidation services. So far he has paid them 

$2574 which has not gone towards her student loan debt. He just received a letter from 

the FTC regarding action being taken against Ameritech.

1301 98027919 07/23/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial. Consumer states 

she paid a total of $2500. Consumer states she was under the impression that her 

payments were going towards her student loans. Consumer received letter from FTC 

regarding the recent lawsuit that was filled against this company.

1302 98027955 07/23/2018 Ameritech AMERITECH: Consumer called with questions about pending case against Ameritech. 

Provided information and directed consumer to ftc.gov site to stay informed.

Ortiz Attachment A - 286

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 287 of 511
Page 287

# Reference Number Complaint Date Company Name Complaint Info Comments

1303 98028106 07/23/2018 Ameritech

I know I had been contacted through email or mail with an offer of reducing student 

loan payments. I called the number and spoke with a Richard Tapia about my student 

loans. One thing I did find supesious but let it pass as I was needing a lower payment 

at the time due to lack of job at the time. When I asked any questions regarding why 

information was needed and what gauranee they had for me I was considered an 

angry and irate customer and was sent to a supervisor. The supervisor really did not 

explain too much more but still seemed willing to answer questions, but still sent me 

back to Richard who would send me back a soon a I asked a question. I remember 

them telling me they received payment separately from the student loan payments, but 

I do not remember them telling me they do not make the loan payment. I was surprised 

when I received a bill from my student loans saying I was 2 months behind. I then wa 

questioning why I had been paying them $179 a month if none of it went to my student 

loans. This confused me because when I pay my student loans ameritech was getting 

more than when I was not paying the student loans. This ha been baffling me if they do 

not pay my loans then what am I paying them for and paying them more than my 

student loans was getting I could of been applying that amount to my student loans to 

pay them off earlier.

Ortiz Attachment A - 287

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 288 of 511
Page 288

# Reference Number Complaint Date Company Name Complaint Info Comments

1304 98028193 07/23/2018 AmeriTech Financial

 

Student Loan Forgiveness program, I decided to call the number listed to inquire more 

about the program, since I had seen things advertised on television as well. Upon 

reach Alex, he was very pleasant and asked a few questions regarding my student 

loans to see if I qualified. I did and he explained that through participating not only did I 

qualify for loan forgiveness but due to me working for non-profit that I qualified for the 

10-year loan forgiveness plan. He explained and assured me that after 10 years of 

payments through his company, whatever was left would be forgiven. I was a little 

unsure that this was too good to be true, especially after he asked for all of my 

password information for my online log ins where I made my student loan payments 

with AES and Nelnet. He recognized my hesitation and stated that he would send me 

their BBB certifications and reviews and call back if I wanted to proceed. He did just 

that and when I researched on my own, the company was fairly new so there were no 

negative reviews regarding the company. I then made the decision to call back the 

next day and complete my enrollment. During the close of the call, Alex explained what 

my payments would be monthly $207 per month for 10 years that would be deducted 

from my account by a third party company, Global Client Solutions to pay on my 

student loans once I completed my signatures on documents that would be sent to me. 

I did receive and completed those documents and my first payment was deducted on 

3/10/16. I kept up with my payment deductions, never late or missed. It was not until 

December 2016 when I noticed that student loan payments had not gone down and I 

called and inquired about this. I never could reach Alex nor did he respond to my 

emails, so I contacted Global Client Solutions. At that time the representative stated 

she would need to have her manager review my account and contact me later. I never 

received a return call, but at the same time, I was contacted by them to renew my tax 

information for my repayment status to be updated. I called again to inquire not only 

about why my balances remained the same but also why my payments were going to 

be changed. I finally spoke with someone in February 2017 at which time that young 

lady stated that my payments were for them to process my paperwork for my loan 

consolidations and not to go towards to my loan repayment. $207.00 a month to 

PROCESS PAPERWORK!!! I was outraged. She then stated that my payment went 

down to $99 in December for me being on -time and based on my income and that in 

1305 98032749 07/23/2018 Ameritech Financial

The consumer received a letter from FTC in regards to Ameritech Scam. Consumer 

called number and was directed to automotive service for a medical survey. Consumer 

opted into 1 and was informed she was winner for sweepstakes.

Ortiz Attachment A - 288

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 289 of 511
Page 289

# Reference Number Complaint Date Company Name Complaint Info Comments

1306 98033556 07/23/2018 AmeriTech Financial

I'm contacting you for assistance in resolving a refund for the money Ameritech 

Financial has falsely claimed to use as part of my loan repayment plan. I was told that 

my total loan owed would be reduced with my monthly income driven repayment plan. 

Upon some investigating with my previous student loan servicer, Fed Loan Servicing, I 

was told that my account was consolidated and removed from their jurisdiction. 

According to my emails, as seen on 3/23/18, Ameritech sent me an email stating that 

my payments will now be remitted to the loan service, Nelnet. However, when I called 

Nelnet, they had no knowledge of Ameritech Financial, or even heard of this company!! 

I have no records with Nelnet at all. Every month, for the past 7 months, $132.00 have 

been deducted from my bank account under the guise of Nelnet, when they haven't 

received a penny! This company, Ameritech Financial has been fraudently taking 

money from innocent people and using it for their own discretion without applying it to 

pay off my student loans as promised in contract. I lost $916.00 total and would like to 

be compensated for my loss.

1307 98039175 07/23/2018 Ameritech

Consumer has rec'd a FTC letter v. Ameritech. Consumer has started to receive letters 

from Ameritech about 2 years ago. She enrolled with their services and has paid about 

$300. Consumer reports that rep for Ameritech was very rude. Consumer states that 

she was told by Fed Loans that she should not have to pay for services. She cancelled 

services with Ameritech after the hurricane.

Ortiz Attachment A - 289

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 290 of 511
Page 290

# Reference Number Complaint Date Company Name Complaint Info Comments

1308 98039445 07/23/2018 Ameritech Financial 

In early 2016, I received a letter in the mail from Ameritech Financial stating they were 

a loan forgiveness program. I decided to call the 800 number on the flyer and was told 

Ameritech could significantly lower my loan amount and put me on an income based 

monthly payment plan for their loan forgiveness program. They stated part of each 

monthly payment would be going towards my student loans, and another portion would 

be going to Ameritech since I was working with them. I was told I would be put on an 

income based payment plan. They stated I would need to pay about $300 initially, but 

after that initial payment, I would only need to pay $100 monthly. They stated once I 

was enrolled, they would consolidate my loans, which made them eligible for an 

income based plan and that after so many years, the remaining amount of my loans 

would be forgiven. They stated after I made 120 payments over 10 years or 240 

payments over 20 years, depending on the monthly amount, all remaining debt would 

be forgiven. They stated I was on the 240-300 payments over 20 years plan. They 

stated they are a Federal program based on income; I qualified based on my low 

income, but they were getting me the most benefit from the program. They said they 

aim to keep payments as low as possible. I've noticed my student loan amount has not 

been decreasing with my original provider, so I don't think any of my payments to 

Ameritech went to my original provider. They couldn't provide me with any kind of 

documentation or payment history when it came to tax time. I've asked multiple times 

if they could send me a statement showing my payment history with the monthly 

amount, but they stated they cannot provide anything like that. I asked if there was any 

kind of online account I have through them or could create, so I could keep track of my 

payments, but they said no, I would just have to look at my bank account. Recently 

Ameritech told me I had completed 2 years of the payments. I asked to cancel my 

"contract" in June 2018 and they stated they could put my account on hold 

and would send me the paperwork. I received an email a few weeks ago stating my 

FSA account password had been changed, but if I wasn't the one who changed it, I 

should follow a link in the email. I hadn't changed the password, so I followed the link. 

I had some difficulty logging into my account. I then received a letter from the FTC 

informing me of the lawsuit against Ameritech. I called them again, and they said they 

hadn't canceled my account, but would do so. Other-Other Update

1309 98040032 07/23/2018 Ameritech AMERITECH - Consumer received letter from FTC regarding AMERITECH. Provided 

information and referred to FTC.gov

Ortiz Attachment A - 290

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 291 of 511
Page 291

# Reference Number Complaint Date Company Name Complaint Info Comments

1310 98045535 07/23/2018 AmeriTech Financial

 

my legal dependent) living with me. I was 33 years old when I determined to go to 

college and become an elementary school teacher while raising a son and daughter. I 

used federal student loans when I became a single parent in 1991 and by working a 

minimum of 30 hours a week. I worked part-time while attending college but did 

achieve my B.S. Education degree in 1995 and was able to secure a salary position as 

an elementary teacher in my local public school district in 1997. In 2016 I received a 

USPS mailing at my residence from Ameritech Financial identifying their ability to 

assist me in my student loans.I called Ameritech Financial in response to their mailing 

at their 800 telephone number. Ameritech Financial identified immediately that they 

would assist as there was a new program through President Obama that would have 

my student loans paid off in 10 years by making monthly payments for 120 months and 

then the balance would be forgiven. The initial cost was $207.00 and a $29.95/month 

payment, automatically deducted monthly from my personal bank checking account. 

These costs were paid for 12 months and then were reduced to $99.00/month and a 

separate $29.95/month cost. These payments continued to June 2018. The $207.00 

payment was identified as a fee for Ameritech but it was understood, and never clearly 

stated to me that the $29.95 and the $99.00 monthly costs were fees – it was 

understood that these payments were being paid against the loan principle. During this 

time Ameritech Financial identified another federal program for my participation 

involving forbearance: Ameritech Financial completed the forbearance forms and 

submitted them to FedLoans, even using a California address although I have always 

lived in Pennsylvania.On July 19, 2018 I received telephone calls from FedLoans 

identifying my loans were behind in payment. I contacted FedLoans and received 

identification that none of my $99.00 and $29.95 payments over the past years were 

applied to my loan. I then cancelled all authorization for payment to Ameritech 

Financial through my bank.I truly believed that there was deliberate deceit by 

Ameritech Financial. Their statements to me in 2016 were clear that by working 

through them I would permanently reduce my monthly federal student loan payments 

and that my payments would go directly to reduction of my debt. They did not tell the 

truth and I only received the facts this month. This claim is to formally request the FTC 

to direct Ameritech Financial to return the $4,630.55 paid by me to them.

1311 98045733 07/23/2018 Ameritech Financial

The customer service representative lead me to believe that I ws enrooled in a Student 

Loan Payment Reduction and Forgiveness program. I was also informed that the only 

method of payment was auto pay through my bank account using a third party to 

process the payments. Other-Other Update

Ortiz Attachment A - 291

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Page 292

# Reference Number Complaint Date Company Name Complaint Info Comments

1312 98045856 07/23/2018 Ameritech

Ameritech financial message me a year out of school to redo my student loans they 

said i would have to put down only so much and then pay only $100 for 10 years and it 

would be forgiven. They have been auto drafting out of my account for over two years 

and i called my loan people and they told me all my personal info had been changed by 

ameritech so i was not receiveing any informations about my loans or payments. when 

i called the company to find out how they coupd change all my info they told me by 

signing up with them I gave them promission to do all that stuff. but i gad no idea then 

I dound out that no money was ever sent to my loan people for over teo years. I called 

the company to cancel the payments from my account and that I didnt want it anymore. 

It took about 4 times calling and hours on the phone noone wanted to help me out and 

they keep transfering me to other people back and forth. it was a horriable experince. 

people need to know that ameritech changes personal infomation and never pays to 

there student loans. my loan company is my fed loans

1313 98061594 07/23/2018 Ameritech Financial|Ameritech 

Financial|Colorado Tech

CFPB Issue Type: Struggling to repay your loan | Can't temporarily delay making 

payments --- What Happened: In October 2016, Ameritech Financial contacted me 

stating that they can lower my student loan payment and guaranteed loan forgiveness 

within 15 years with their assistance, but none of my monthly payments went toward 

my student loan balance. As a matter of fact it only went up more because of the 

interest. The FTC sent me a letter stating that there is an active lawsuit against 

Ameritech Financial. I contacted the company and they refuse to refund my money 

back. I have paid $850 to this company with proven bank statements. --- Have 

contacted: CC Issuer --- Fair Resolution: I need a full refund. --- School Unit ID: 

 --- School OPE ID: 

1314 98933904 07/23/2018 American Financial Benefits 

Center

I spoke to a very nice lady on the phone at AFBC.. While I choked back tears - I 

explained to her that I could no longer afford to pay the monthly fee. She understood 

and said everything was canceled before we ended the phone call. I also received an 

email from AFBC that it was canceled 'effective immediately'. The next day or the day 

after that phone call my account was deducted $99. Which set off a chain reaction of 

overdrafts. I emailed them complaining of this. They called me back and said oh well 

that deduction was already in progress before you canceled your account. I find this 

hard to believe. Why wouldn't the VERY nice lady I talked to tell me there would be 

another deduction from my checking account? She explained everything else that was 

going on, down to when I would need to deal with my student loans again. --- Additional 

Comments: I would like my $99 back. I should also ask for the $90 in overdraft fees 

because three items were over drafted because of this.

Ortiz Attachment A - 292

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 293 of 511
Page 293

# Reference Number Complaint Date Company Name Complaint Info Comments

1315 97408082 07/23/2018 Ameritech Financial

Consumer reports on the behalf of their girlfriend, they received a call from Ameritech 

Financial offering to lower their monthly payments on their student loan. Consumer 

reports they promised a loan forgiveness. Consumer reports they charged a fee of 

$200. Consumer complied and has been paying since 2015 at the rate of $99. 

UPDATE 7/23/18: Consumer called to state the Ameritech is refusing to return her 

money. 

1316 97702225 07/24/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $173 for the last 

seven months to cover their student loan consolidation services. So far he has paid 

them $1211 which has not gone towards his student loan debt. He just received a letter 

from the FTC regarding action being taken against Ameritech. UPDATE: 7/12/18 

Consumer added names. .

1317 98051783 07/24/2018 Ameritech

Nov 2017, I was contacted by Ameritech claiming they would provide a service with 

working with my loan provider with reducing my monthly payments and eventually 

leading to loan forgiveness after 5 years of consistent payment. Ameritech charge me 

upfront fees and after 6months of not seeing any progress, having to follow-up with my 

loan provider for communication and follow-up that should have been taken care of by 

Ameritech. I closed my account in April 2018. The following it what I paid to Ameritech 

over the course of 5months. • Dec, $407• Jan, $407• Feb, $407• March, $99• April, $99

1318 98052077 07/24/2018 Ameritech

when they contacted me yhey told me on yhe phone and in an email that a small 

portion of my payment was yheir fee and yhe remainder eas paid towards my student 

loan. they changed my servicer to Nelnet. i made my payment. instead of it being one 

monthly payment i wad paying them every two weeks. i called and explained that i 

couldnt afford to make paymenys every two weeks. they refused to work with me. i 

went to call Nelnet to speak with them as i was still getting emails from them saying my 

payment was past due and gound out that ameritech was not paying anything on my 

loans. now i get this letter feom FTC. did as yhe letter stated and called and cancled 

my membership and request a refund. after being on hold for 30 minutes eas told that 

they are not issuing refunds as they were not wrong in their practices. horriblr 

company.

1319 98052276 07/24/2018 Ameritech Financial

I was originally contacted through the mail by this company telling me they can reduce 

my monthly payments to my student loans. So I gave them a call and they falsely 

walked through the process of how the monthly payments will be reduced. So I signed 

up with them and trusted them with a lot of personal information thinking they we’re 

who they said they were. I’ve been paying this monthly fee of $82.00 since September 

26, 2017. After I had called them up to get a better rate on my loan, they had multiple 

people contact me via email and telephone to make sure all the documents and 

payments we’re properly set up. And since then I have been paying the monthly fees, 

thinking it was towards my loans.

Ortiz Attachment A - 293

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 294 of 511
Page 294

# Reference Number Complaint Date Company Name Complaint Info Comments

1320 98056337 07/24/2018 Ameritech Financial

Consumer reports they received an email from Ameritech Financial offering to lower 

their student loan payments and student loan forgiveness. Consumer reports they have 

been paying at the rate of $100 for 5 years.

1321 98056449 07/24/2018 Ameritech Financial

Received offer to reduce payments on student load. called the number and spent over 

an hour filling out forms online. The first payment and processing fee were required 

upfront. I have been making payments via automatic bank draft on the 25th of every 

month for a year. Just received a letter from the FTC notifying me of the fact that my 

payments arent actually going towards my student loans. Immediately upon receipt of 

the letter I called the number for Ameritech and asked to cancel my account on the 

basis of the letter from the FTC. I was forcefully informed that it would be turned over 

to customer service and I would be getting a call from a 916 area code. Following the 

call I filed a complaint with the FTC.

1322 98056620 07/24/2018 Ameritech

I received a notice in the mail from Ameritech claiming that they could help with getting 

my loans reduced. I called the company and got everything set up with the 

understanding that I pay them and the money would go towards the reduced amount 

on my loans. Recently I received a letter from the Federal Trade Commission stating 

that Ameritech is being sued. I have cancelled my membership and now I'm entering 

my complaint to hopefully get my refund.

1323 98056800 07/24/2018 Ameritech Finacial

Consumer states that he wanted to make a report against Ameritech Financial 

because they have not paid his student loans. Consumer has also received a letter. 

Consumer also stated that he called them to ask for a refund and the individual 

laughed at him.

1324 98056915 07/24/2018 Ameritech Financial The consumer has a complaint against a debt management company, Ameritech 

Financial. The consumer has paid money each money since Feb 2018.

1325 98064818 07/24/2018 Ameritech

Consumer received a letter from FTC regarding the case against Ameritech. He 

received a call from the company. Consumer was being told about a loan forgiveness 

plan. He was told that he program was expired and needed to reapply. Consumer was 

told that he could pay $180 for 20 years and have he loan forgiven. He agreed to pay 

$85 a month. Consumer was told that that the first year only $10 would go to his 

student loan. He only paid 4 months because he lost his job. Consumer was told to call 

back but he has now received this letter.

Ortiz Attachment A - 294

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 295 of 511
Page 295

# Reference Number Complaint Date Company Name Complaint Info Comments

1326 98064861 07/24/2018 Ameritech Financial 

In 2015 or 2016 I received a letter in the mail about student loan foregivness. I gave 

Ameritech a call. I spoke to representative ask me a couple questions about my 

current status of my student loans and the monthly payment. They mention this is a 

student loan forgiveness program working with the government to help forgive student 

loan debt and I could pay it off much faster, would not have to pay full balance and all 

the money I pay could be claimed on my taxes which later on I found out none of it is 

true. They stated that I have to pay $200 a month for the first 4month and after its $99 

a month and I dont have to pay a anything more and this would cover my loan 

payments. After a couple of months I started reciving calls from the student loans 

company saying my account is past due 6$. I called ameritech and they stated the fees 

im paying for the service to get the best rates. Once the year was over, I received a bill 

from my student loan in the amount fo 600$. When I called ameritech they stated I 

needed to send them my tax forms , they would not accept anything else. In the 

process I call my student loan company and they offered me the same program for no 

additional cost and a lower monthly payment. I called back ameritech to cancel and 

question what I was paying for all those months. The representative started to tell me I 

shouldnt believe the student loan company they have a history of lying. I inform him I 

would still like to cancel, the representative then inform me of another plan thats only 

49$ a month which I refused. The representatvie then express that the monthly rate 

and the fees that I was paying was membership fee for a company ram servicing that 

entitiled me to different benefits for non related stuff that was never mention to me or I 

ever took advantage of. So when I received this letter in the mail about suing I was 

quick to sign up. I would be happy to do anything else I could do to help proscute this 

company.

1327 98064866 07/24/2018 Ameritech Financial Ameritech FinancialAMERITECH COMPLAINTS: The consumer rcv'd the Ameritech 

letter from the FTC. The consumer has made Ameritech from $3000-4000.00.

1328 98064902 07/24/2018 Ameritech Financial

VMCb:18AW6136 Consumer left a voicemail requesting a call back for an unknown 

reason. During the call back the consumer stated that she received a letter from the 

FTC in regards to the Ameritech Financial lawsuit. Consumer reports that she received 

either a phone call or a mailing from Ameritech Financial that was offering student loan 

debt forgiveness. Consumer states that she discovered that the company was not 

using the consumer's payments to pay her student loans. Consumer states that she 

paid the company approx. $2500 and when the consumer requested a refund the 

company denied the consumer's request.

Ortiz Attachment A - 295

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 296 of 511
Page 296

# Reference Number Complaint Date Company Name Complaint Info Comments

1329 98065410 07/24/2018 Ameritech Financial 

I was contacted by mail because for 2 to 4 months i was having problems paying my 

loans. I recived a loans forgiveness letter from the education department telling me to 

contact a company that will help me. A man name Juan Casas called me and explain 

that i will be switching over to Ameritech and will only need to pay 100 to 108 dollars 

every month. i did not really understand the sign up process, he basically signed it for 

me and after that every month under "RAM" the money would be taken out of my debt, 

thinking it was going towards my loans.

1330 98065463 07/24/2018 Ameritech

The consumer reports he received a call from Ameritech 2-3 years ago. The consumer 

reports he signed up with them. They offered to help him with his student loans. The 

consumer reports he was paying $170 a month for several years. The consumer report 

they stated it would lower his interest rate.

1331 98070746 07/24/2018 Ameritech Consumer would like to file a complaint against Ameritech for deceptive practice.

1332 98071337 07/24/2018 Ameritech

Consumer has a student loan and received a call from Select Student Services. She 

was told that they could help her get her loans forgiveness. She paid $400 to get 

started in 2016. She would pay $29 monthly. Consumer states that she gets charged 

$300 every year. She was given a letter from FTC vs Ameritech.

1333 98071554 07/24/2018 Ameritech Financial

The consumer is calling in regard to Ameritech Financial. Consumer was contacted by 

Ameritech Financial regarding a loan forgiveness program. Consumer states she paid 

$209/mo for 9 months and then the payment was reduced to $99/month. Consumer 

doesn't know how long she has paid on the loan.

1334 98077918 07/24/2018 Ameritech Financial

Consumer reports they inquired about services with Ameritech Financial offering to 

lower their student loan payments and loan forgiveness. Consumer reports they have 

been with them for a year and paying $100 a month.

Ortiz Attachment A - 296

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Page 297

# Reference Number Complaint Date Company Name Complaint Info Comments

1335 98081515 07/24/2018 Ameritech Financial

 

working to reduce debt loads including my outstanding School loans. When I went 

through the initial interactions I was told that I'd be signing up for their program that 

would require an initial deposit and then only pay $99 a month for 20 years and my 

loans would then be considered as paid. Of course, ! signed up. Through the signup, I 

was drafted $427 for the first month, then $407 for the next two months before the draft 

of $99 a month started in December of 2016 and I have been paying that amount 

through now for a total of $1881 in monthly payments. In about July of 2017 I was 

contacted by the company to renew my bank authorization and was asked to sign 

some docusign materials; I asked if there were any changes to the payment amounts 

or anything else that was needed and they stated "no, you will keep paying the 

$99 a month until you are done" and that was it, no other explanation or 

hesitation or anything that led me to believe I needed to question the practice. I then 

received the FTC letter in early July of this year and was in disbelief. I had attempted 

to contact the company at least 1x per week until today when I was finally able to get 

through to a phone line (although it was a different phone number - I was texted by the 

company on my home number as a "reminder of payment draft" which was 

a new interaction, and that phone number listed in the text was 877-877-7716 then 

followed by the number in the letter of 800-792-8621. My first call to the 8621 number 

went straight to a voicemail but then did not connect/allow a message. My next few 

calls just seemed to be an eternal hold without any updates of queue time and I 

disconnected after passing the 30 minute mark. Today, 7/24/18, I connected on the 

7716 number and was talking to the service Rep Becky. I promptly asked to cancel the 

account and to see if I could get a refund for services I was not receiving. She probed 

for a bit more information and I did say that I received the letter, she quickly then 

changed tone and said she would cancel the account but stated that they would not 

issue any refunds as the FTC filing is being reviewed. She then confirmed the account 

was cancelled and that I was billed just this morning so I should no longer see activity 

after the bill from this morning posts. I have since changed my password and some 

login info with my original Student Loan provider and have adjusted the info on my 

own; I did find it disturbing that the updates reported that they didn't have a match for 

what info I was reporting for their income based repayment plan from last year so I am 

Ortiz Attachment A - 297

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 298 of 511
Page 298

# Reference Number Complaint Date Company Name Complaint Info Comments

1336 98081693 07/24/2018 Ameritech

I was told by Alex Shaver that they would make my monthly student loan payments 

monthly out of the monthly payments i would pay to them. I paid $235.00 for the first 5 

months and $99.00 thereafter. I started my payments in June of 2017 and stopped 

paying them in May of 2018 after I realized they mislead me. They are still trying to 

extract payment out of my account. The monthly payments were drafted out of my 

account by AmeriTech. I had to provide them my account information. The draft was 

under the name,"RAM PMT". I received a text message monthly saying the payment 

was drafted out of my account. Thank you for your assistance in this matter.

1337 98081740 07/24/2018 Ameritech Financial

In the early month of January 2016 i was solicitted by Ameritech Financial with the 

promise of drastically lowering my student loan debt and have this loan totally forgiven 

under a "new Gov't program called the, student loan forgivness act" i applied for this 

program w said company and paid almost $4500. in payments and fees. At the current 

initial time i applied i was working for a non profit hospital in security. In october of 2016 

i was seeking a new job and asked Ameritech Financial if being employeed by the 

 still qualified me in this program, at which 

time, i was told yes. In january 2017 i applied for the annual continuation of this PSLF, 

at which time i disclosed my new employment with . I did not hear 

anything back for a while, at which time i got letters from Ameritech that indicated that 

my maturity date was approaching and they needed all new application and PSLF 

paperwork. I submitted same, was approved by the fed loan servicing company of 

Harrisburg, Pa on 2/17/18 and then denied on 3/13/2018 with no excuse. After 

researching this, i have found out that no payments were made towards the loan, the 

extension of the loan was carried over without any notice that any payments no matter 

how small or at no payment at all would not count towards the 120 months as 

promised. i attempted to appeal this matter with the student loan servicing company 

and as of this date, nobody has contacted me and meanwhile i has an overwhelming 

pile of student loan debt that i actually cant afford. please feel free to contact me 

regarding this case. i have a very large file on this and several documented emails. 

Thank you. 7/24/2018

Ortiz Attachment A - 298

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 299 of 511
Page 299

# Reference Number Complaint Date Company Name Complaint Info Comments

1338 98081792 07/24/2018 Ameritech Financial

I am a high school math teacher for 16 years and have a good amount of student loan 

debt that I incurred mostly for attending graduate school. When I received the email at 

school from Ameritech about being able to take advantage of student loan forgiveness 

because I am a Pennsylvania high school math teacher in good standing, I was thrilled. 

Not long after the new year began in 2017, I finally decided to take advantage of such a 

program so that I can eventually get out from under the large student loan debt that I 

have. I spent hours on the phone with the Ameritech representative and she assured 

me that once we got all the paperwork completed, I would have a monthly amount of 

money deducted from my checking bank account. She specifically stated that after ten 

years of making payments successfully, I would be forgiven of the remainder of my 

student loan debt. I noticed monthly payments were being deducted and I was happy 

that I was now on my way to an eventual student loan debt-free future. In January of 

this year 2018, I had to submit a new employer information sheet as an update. I was 

appalled in June this year when I received the letter from the FTC that I was being 

duped and my hard-earned money was not being applied to my student loans. This 

deceptive practice is disgusting and hurtful, and I demand the return of my funds. 

Thank you.

1339 98081846 07/24/2018 Ameritech Financial I am joining in with the lawsuit the FTC has against Ameritech!!

1340 98113706 07/24/2018 Ameritech Financial|Ameritech 

Financial|LIU Post

CFPB Issue Type: Struggling to repay your loan | Can't get other flexible options for 

repaying your loan --- What Happened: October 19, 2016 AmeriTech contacted my 

cell. They had all my personal information, including my social security number. Not 

knowing I went along and set up to what I thought to be a repayment to my student 

loans. Fast forward to June 21, 2018, I felt that there should have been some sort of 

decrease in what I owed towards my $100, 000 school loans. Not one penny was put 

towards it. AmeriTech became harassing. They called everyday, same time and 

emailed everyday. When I called to confront them, they were nasty, I have saved 

emails. --- Fair Resolution: I would like a refund of all my payments. AmeriTech needs 

to be shutdown. --- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 299

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 300 of 511
Page 300

# Reference Number Complaint Date Company Name Complaint Info Comments

1341 98159069 07/24/2018 Ameritech Financial|Ameritech 

Financial|Longwood University

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I received a phone call from a representative from 

Ameritech telling me that they could help me lower my monthly payments. I believe it 

was three years ago in 2014 or 2015. The payments at first were $200 a month then 

they dropped to $99 after a year. I was getting emails from the borrowers directly, 

telling me that the loans were in forbearance. My latest student loan statement showed 

that my balance was increasing instead of decreasing. I was wondering why this was 

happening. I put all my faith in the company of Ameritech to handle my loans. I then 

received the letter from the FTC saying that the company was fraudulent and that they 

were taking action against them. The payments are automatically withdrawn from my 

checking account, I am going to stop those payments from coming out. --- Have 

contacted: CC Issuer --- Fair Resolution: I want to get back on track with my loans, I 

either want my money back or a refund in regards to what has happened. When I 

called them they were not help full with this issues. --- School Unit ID: --- 

School OPE ID: 

1342 97365270 07/24/2018 Ameritech

Consumer got a letter from FTC about Ameritech and wanted to file a report. 

VMCB:18MV6028 UPDATE 7/24/18 Consumer left a voicemail in regards to receiving 

a letter from the FTC about the Ameritech lawsuit and the consumer is concerned 

about the legitimacy of the letter. During the call back the consumer stated that 

Ameritech is not going to get a refund due to the litigation filed against the company. 

Consumer reports that she has paid approx. $100 per month since inception of 

contract. 

1343 97383844 07/24/2018 Ameritech|Nelnet-National 

Educational Loan Network

Consumer has rec'd a FTC v. Ameritech letter. Consumer states that she saw an ad 

about student loans and contacted Ameritech. Consumer states that she enrolled in 

their Student Loan Program in March 2018. They are currently deducting $82 a month 

from her checking account. UPDATE 07.06.2018: The updated the date the 

transactions started and that was 02.01.2018 instead of March, about 552 was taken 

from her acct. The consumer called PH# on the letter to get the refund and cancel 

service with Ameritech. The answering service said they will call back, but they have 

not called back. . Update 07-09-2018 Consumer called back saying that her 

bank let a charge go trough from Ameritech. UPDATE 7.10.2018: Consumer 

called to report that Ameritech Financial called her and told consumer that they could 

not give consumer a refund "...because there are no errors in your account," but 

consumer did successfully cancel her Ameritech Financial account. UPDATE: 

7/24/2018 Consumer has been receiving calls and mail and they are offering her debt 

consolidation. 

1344 97384150 07/24/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $108 for the last year 

to cover their student loan consolidation services. She just received a letter from the 

FTC regarding action being taken against Ameritech.

Ortiz Attachment A - 300

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 301 of 511
Page 301

# Reference Number Complaint Date Company Name Complaint Info Comments

1345 97420762 07/24/2018 Ameritech Financial The consumer has a complaint against Ameritech Financial, a debt management 

company.

1346 97420820 07/24/2018 Ameritech Financial Consumer reports that she got a letter from FTC concerning the Ameritech Financial 

lawsuit. She has sent them money and they have not paid any student loans. 

Consumer saw an ad for Ameritech online and has paid them a great deal of money

1347 97675191 07/25/2018 Ameritech Financial|Relient 

Account Management

Consumer states she got a letter from the FTC about Ameritech. She got it on 

07/03/2018. She called to cancel the service but hasn't gotten a response. She signed 

up in 01/2018 for 82 a month. UPDATE 7/11/2018: Consumer called to report that 

there is now a new disclaimer on the Ameritech Financial website and wanted to make 

us aware. - UPDATE: 07/11/2018 Consumer called to add information to 

her report. UPDATE 7/25/18: Consumer called today to ask for a refund 

from Ameritech Financial, the consumer is told she has a zero balance. She checked 

with the Fed Loans and shows the money is still owing. She was refused the refund. 

Gave site for FTC. UPDATE: 07/25/18 Gave site for FTC. 

1348 98088229 07/25/2018 AmeriTech Financial

I was contacted by AmeriTech Financial about a year and a half ago. I responded back 

to the call and mail about gaining more information on ways to reduce my student 

loans. The representative I spoke with sounded very convincing and seemed 

knowledgable, so I decided to partake in what I thought would be reducing my loans. I 

had to fill out paperwork and they had a scheduled for my payments for the next ten 

years. Every month money automatically comes out of my account from RAM, Reliant 

Account Management. I still recieved emails from my loan servicer, Great Lakes 

Borrowers, saying I currently owed $0.00, so I assumed everything was going just fine 

until I got the letter in the mail saying none of my payments were even being accounted 

for in my student loans.

1349 98093679 07/25/2018 Ameritech Consumer is calling to report that he received a letter from FTC v Ameritech Financial. 

Consumer was with the company since 2017 and has paid $2052.00

1350 98115493 07/25/2018 Ameritech Financial

Consumer reports she is a victim of the Ameritech Financial scam. Consumer 

contacted Ameritech who offered to pay off her student loans and to consolidate them. 

Consumer was put on a payment plan and paid about $99 a month. Consumer later 

received a letter from the FTC about the lawsuit they have with the company.

1351 98115764 07/25/2018 Ameritech

Consumer received notice from the FTC concerning Ameritech. The consumer found 

their services online and started an account with them around February 8, 2016. They 

claimed that they could help the consumer with her student loan debt. They have been 

taking 99 dollars a month out of her bank account since then.

Ortiz Attachment A - 301

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 302 of 511
Page 302

# Reference Number Complaint Date Company Name Complaint Info Comments

1352 98120821 07/25/2018 Ameritech Financial 

I was misled by Ameritech Financial. They told me that they were consolidating my 

student loans and that I was to pay them and they would disperse the funds. They took 

control of all of my logins for Navient and AES as well as my login for Federal Aid. It 

was only after receiving the letter from the FTC regarding their behavior did I realize 

my payments were not going towards my loans whatsoever. I called them to cancel my 

account and asked for a refund. They still have not closed my account and refuse to 

reimburse me for the money that they fraudulently took from me. Please help me.

1353 98121055 07/25/2018 Ameritech

Consumer states that she received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states she was offered assistance with reducing 

her student loan from Ameritech. Consumer states that she was told if she paid $127 a 

month for the first year and $98 for the other two years, they were able to forgive her 

loan. which she found out that no payment was going to her student loans. consumer 

wants to know how she can retrieve her money and where to receive additional 

information.

1354 98121064 07/25/2018 Ameritech Finacial

Consumer states that she received a letter from FTC VS. Ameritech. Consumer states 

that she hired Ameritech Financial on 10/23/2017. Consumer agreed to make first 

payment on about 11/17/2017 for $235 for 7 months and for 06/2018 and 07/2018 she 

paid $99 for unknown reasons. Consumer initially agreed pay $235 per month for 10 

years then student loans would be forgiven. Consumer was told monthly payments 

might change throughout the 10 years. Consumer did contact her original student loan 

servicer, My Great Lakes and confirmed no payments have been made towards her 

student loans.

1355 98121442 07/25/2018 Ameritech Consumer states that she received a letter from FTC about us taking action against 

Ameritech. Consumer states that she signed up with them and has been paying a 

monthly fee because she was told they would help her get rid of her student loan debt.

Ortiz Attachment A - 302

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 303 of 511
Page 303

# Reference Number Complaint Date Company Name Complaint Info Comments

1356 98127456 07/25/2018 Ameritech Financial

I was contacted to consolidate my student loans into a lower rate and get a pay off in 

120 qualifying payments. This would have sped up my pay-off significantly. I was 

asked to pay $1554.00 initial fee for processing and what-not. I was advised that I 

would be locked into a $99.00/month payment for the first year and then recertify for 

continued rate. I did so. During this period, I received correspondence from another 

company; Global Client Solutions, claiming to be an affiliated participant that provided 

me with account numbers and the like regarding my membership and financial 

obligation to the FEBC. After several months of having payments drafted from my bank 

account and receiving statements that showed no reduction in my principal, but an 

increase-- I called Global Client Solutions inquiring why this was so. Upon receipt of an 

unacceptable answer I disconnected to inquire the same to Ameritech. I got the same 

half-brained non-answer from the representative. I received a letter from Global client 

solutions that they were no longer servicing my account and that any other questions 

should be asked of Ameritech Financial. Recertification was due by the time I realized 

this was a scam. I received a letter stating that my introductory rate of $99.00 was 

over and my new payment amount would by $232.00/month. I had the auto draft 

discontinued with my bank in July 2017. The most recent correspondence received by 

me from Ameritech was the monthly email, today 7/25/18 asking me to update my 

billing information. When I call to request a refund as per the letter I received from the 

FTC, I am left on hold for over 5 minutes, noone answers, so I disconnect the call.

1357 98127913 07/25/2018 Ameritech

Consumer received a letter from the FTC concerning the case against Ameritech. The 

consumer found out about them after receiving a letter from the company, claiming that 

they could help pay off the consumer's student loan. The consumer has been paying 

99 dollars a month for a year and a half through a direct bank transfer.

Ortiz Attachment A - 303

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 304 of 511
Page 304

# Reference Number Complaint Date Company Name Complaint Info Comments

1358 98127923 07/25/2018 AmeriTech Financial

I received a postcard in the mail regarding student loan forgiveness program through 

AmeriTech. I called the number on the card and was put in touch with Jeff Witten. He 

explained to me that this program would help me wipe out some of my student loan 

debt. My first 11 monthly payments would be in the amount of $207 and every 

payment thereafter would be in the amount of $99 until a total of 240 payments had 

been made, which is where I came up with the total asked to be paid. Once these 

payments were made, all remaining student loan balances would be forgiven. I was 

also invormed that no interest would accru during this time period. I set up and 

automated draft through my checking account and the first payment was taken out on 

April 15, 2016 in the amount of $207.00. I was lead to believe that this was all going to 

my student loan debt. I received statemtents from Nelnet stating I had a zero dollar 

amount due every month so I didnt' question anything until I received the letter from the 

Federal Trade Commission. I called my student loan company and was informed that 

they received no money from AmeriTech over the entire time I was paying them. My 

statements I received were because Nelnet had placed me in an income based 

repayment loan themselves and that I didn't owe any previous balance nor would i for 

the next 12 months and that they evaluate it every year for free. I was livid. I've given 

this company $$3861.00 over the past three years for absolutely nothing. I stopped my 

automatic draft at my bank. I would like to be reimbursed my money, if that is at all 

possible. My name was at the time this was orginally set up so that is 

the name you will find my under. I have sense married and now my last name is 

. Thank you for your help in this matter.

1359 98127959 07/25/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$800 over the course one year.

1360 98128268 07/25/2018 Ameritech

Ameritech lowered my monthly payments from 80 dollars a month to 50 dollars a 

month stating they were waving their fee. They also sent me in 2016 paperwork for my 

tax return stating that a certain amount was paid towards back payments due on my 

student loans. This year i was contacted by the IRS stating that i falsified my tax return. 

I only keep my records for a year and do not have the letter to send them and they are 

ignoring the letters i do send. Other-Other Update

1361 98134988 07/25/2018 Ameritech

Ameritech claimed that they would help pay for student loan debt and charges I made 

were necessary to make the transactions. I ended paying them about 1300 in 

total.TOPIC:Referrals

Ortiz Attachment A - 304

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 305 of 511
Page 305

# Reference Number Complaint Date Company Name Complaint Info Comments

1362 98135181 07/25/2018 Ameritech Financial

When I originally started working with Ameritech, the rep I worked with was so helpful. 

She decided it would be easier for us to do the process together. I had to update my 

passwords anyways as I couldn't find them, so we did that together and she even wrote 

them down and said it would be easier if she had access "just for the day" to make 

sure we were seeing all the same things and completing it entirely. She told me the first 

3 months would be extra and that money would go toward the program while the 

remaining money would go toward my loans. I had already decided I didn't want to do it 

again the following year, so I ignored all the calls and emails they sent thinking I would 

let my contract just expire. All of a sudden the calls and emails stopped and I was 

being charged again. The larger amount for the first 3 months, then only $99 for the 

last 9 months. (I'll have to look up the exact payments and dates). I was furious and 

tried calling, but no one called me back and kept giving me the run around. 

Unfortunately, I was going through a rough patch personally and didn't tend to matters 

in the way I typically would. So, I was never able to cancel. HOWEVER, the fact that 

the "program" has one year terms and you have to "re-apply" every year means that 

the rep ILLEGALLY signed into my student loan site and reapplied forging my 

signature as if there would be no trace. The first year was my mistake signing a 

contract. The second year I HAD NOTHING TO DO WITH IT.

1363 98135511 07/25/2018 Ameritech Consumer is calling saying he had received a letter from the FTC about Ameritech. 

Consumer says he wants to file a complaint against him.

Ortiz Attachment A - 305

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Page 306

# Reference Number Complaint Date Company Name Complaint Info Comments

1364 98159542 07/25/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I have contacted Ameritech in the past in 2017 

and 2018. I set up something in 2017 to get out of default and to get me on track. After 

several months they stop auto debiting my account stating I need to renegotiate my 

contract and in that time apparently something went I don’t know what it was I tried 

contacting the person I was assign to and it’s like she never existed and I was removed 

from the program. I got a hold of the company and tried to set up something again 

because I’m trying to pay off my loans. So I set up payment plan and started paying 

$108.00 a month and I was under the impression that my paperwork was all good I 

never received any thing saying other wise and they continued to auto debit my 

account for the $108.00. Then I receive a letter from the FTC stating the Ameritech 

may not be paying my loans and I need to contact Ameritech. I put a stop payment to 

Ameritech and I did that serval days ago and I contacted them this morning 07/25/18 

and Ameritech (Jacquelyn Sylvester) she stated that she contact Navient and that they 

still had my loan. I asked her is my student loans were being paid and she said no and 

that the paperwork didn’t go through and I needed to fill out more paperwork and 

basically the money I was sending in was not going to my loans but for them to do the 

paperwork and they were sending me more paperwork because the other one was old. 

But I never received anything stating that my paperwork didn’t go through. Once I was 

done talking to Ameritech I called Navient and they said that they haven’t had my loans 

since Oct 2017 and that when she gave me the information to contact the CFPB and 

more information so I could set up my student loans. --- Have contacted: CC Issuer --- 

Fair Resolution: I want the money that I paid toward my loans back so I can pay on my 

student loans.

1365 98159596 07/25/2018

Ameritech Financial|Ameritech 

Financial|The University of 

Texas at Austin

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I received a letter from the Federal Trade 

Commission stating that they are suing Ameritech Financial, the business I have been 

paying for my student loans. I'm scared of that this means and trying to understand if I 

am involved in a scam, where my money went, and how to get out of it. I've been 

paying them for 2 years and the letter states that it has not been going to my student 

loans. --- Fair Resolution: Help on what I should do, what's true. A phone call would 

help greatly. --- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 306

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 307 of 511
Page 307

# Reference Number Complaint Date Company Name Complaint Info Comments

1366 98159644 07/25/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I am receiving emails each month from RAM 

(Reliant Account Management) telling me they are deducting a draft in the amount of 

$33.00 from my bank account. The most recent email was 7/24/18 at 10:pm. RAM is 

affiliated with Ameritech financial services. I was charged $500 in the beginning of this 

to consolidate loans. They have been very deceptive. I have recently logged into 

FedloanServicing and changed my password.I had assumed that the $33 was going 

toward loan payments. --- Have contacted: CC Issuer --- Fair Resolution: Since I was 

not able to find a job after my degree was granted in the field of my degree, which 

seemed odd to me, since I already had experience in the field; I think it would be 

appropriate to be able to work from home in some capacity. I am now retired and on a 

fixed income.

1367 97370673 07/25/2018 Ameritech Financial

Consumer reported that she recieved a letter from the FTC regarding Ameritech 

Financial. Consumer states that she recieved a letter from Ameritech offering their 

service for loan forgiveness program. Consumer contacted them and set up payments 

to the company. Consumer was paying 82 dollars a month for 32 months and the rest 

would be forgiven. Consumer has paid the company 2,000 dollars. Consumer has 

stopped payment through her bank. UPDATE:7/3/2018 Consumer tried to call 

Ameritech that was on the letter from FTC. Consumer was put on hold and was 

disconnected. UPDATE: 07/25/2018 Consumer is calling to report that she 

contacted Ameritech and canceled her membership and asked for a refund. 

Consumers membership was canceled and was not given a refund telling her that the 

allegations against them was not true. UPDATE: 07/25/2018 Consumer 

called to add information 

1368 97376221 07/25/2018 Ameritech Financial

Consumer states that he received a letter in regards to Ameritech and the Lawsuit. 

Consumer joined them in August or September 2017 on a plan for repayment at 300 

dollars a month the first 3 months but recently has been 99 a month. Consumer will be 

calling back with more information on his payments and their contact info. UPDATE: 

07/25/2018 Consumer wants to update his information. He has received a partial 

refund through his bank. He called Ameritech and they did not call him back for three 

days. Ameritech has told him his case has been closed. 

Ortiz Attachment A - 307

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Page 308

# Reference Number Complaint Date Company Name Complaint Info Comments

1369 97895570 07/26/2018 Ameritech Financial

I’ve been paying Ameritech $108 for 1year. I was told that if i pay this amount for 5 

years, the remainder of the loan balance would be forgiven. I called to cancel my 

membership after I recieved the letter about their fraudulent practices. I was told that it 

was untrue and after a while of back and forth they agreed to cancel my membership 

but only agreed to refund $225 of the $1072 I have paid to them. That leaves $647 

remiaing that I need to get back. Update 07/26/18 Consumer is calling to report that 

she did receive a refund check from Ameritech Financial for $225 which has not 

cleared yet. 

1370 97947913 07/26/2018 Ameritech Financial

Ameritech Financial has been contacting sine 2017 in reference to consolidating my 

student loans. I've paid this company $700 in funds directly from my bank account to 

settle my student loan debt. This company has been stealing my money monthly. They 

are not associated with FED Loan servicing and none of the money they have taken 

from me has been applied to my $120,000 student loan debt. Please help me sue this 

company and possibly get my money back. More addresses to contact this company 

customer.service@ ameritechfinancial.com, income.doc@ ameritechfinancial.com, 

and refer.ameritechfinancial.com. On June 27th I recieved a letter in the mail stating 

this comapany is fraudulent. I received a notice of lawsuit from the United States of 

America Federal trade commission. I want my money back!! I will have the 

responsibility of fixing the status of my student loans which I thought were being paid 

but have not due to Ameritech. Other-Other Update UPDATE 06/21/2018: Consumer 

is calling to report that she contacted Ameritech to cancel her account. Consumer 

states she was told she had paid the company to put her loans into forbearance . 

1371 98146209 07/26/2018 Ameritech Financial

I had received several letters from the company regarding my student loans and the 

forgiveness program and after talking to them but before agreeing to have them assist 

with the enrollment in the forgiveness program I tried to find out if any complaints had 

been made, I did not find any so I agreed they had told me that they could lower my 

payments and in ten years my balance would be forgiven. I agreed and started paying 

173.00 per month to them. In November 2017 I heard some people talking on Face 

Book regarding the company and not really doing what they say. I called and they 

assured me and sent me documentation showing that I was in the forgiveness program 

so I stayed with them. When I received the letter from the FTC I called and terminated 

the agreement and requested a refund as I was not in the Forgiveness program as 

was agreed. They refused to issue a refund still insisting I was enrolled and the they 

FTC, my lender and Fed Loan were all lieing to me. I have requested the refund in 

Writing and via phone.

1372 98149979 07/26/2018 Ameritech

Consumer received a notice, from FTC, stating that, their filing against Ameritech. 

Consumer has been involved with the company, since October 2016. Consumer found 

out that, they are not paying off her loans. Consumer wants her refund.

Ortiz Attachment A - 308

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 309 of 511
Page 309

# Reference Number Complaint Date Company Name Complaint Info Comments

1373 98150124 07/26/2018 Ameritech Financial

The consumer is calling in regard to Ameritech Financial. Consumer was contacted by 

Ameritech Financial by mail regarding a loan forgiveness program. Consumer states 

she made payments of $82/month since 8.1.2017.

1374 98162607 07/26/2018 Ameritech Financial 

 

could help me with student loan payment reduction or forgiveness. I decided to give 

them a call since it said there would be no payments for 90 days and I was going 

through a change in jobs and financial hardship. I spoke with Nyasha Carrafa on July 

5, 2016. She let me know that if I continued paying my student loans as I was that I 

would end up paying over $60,000. She introduced their program and said I would wind 

up paying $14,280 if I enrolled with a savings of over $45,000. She said I was eligible 

for the program because I am a public school teacher. The terms were that I would pay 

$227 for the first payment on August 15, 2016, and then $207 each month until the July 

2017 payment when it would then drop to $99 per month. I paid every payment on time 

and had it automatically taken out of my account each month. They took my login 

information for my FSA and said they would never change it, but I was later informed it 

had been changed. They needed documents such as paystubs, income driven 

repayment forms, PSLF, most recent tax return, and login to my current loan servicer, 

all of which I provided them with. After checking my credit score in May of 2017 it was 

brough to my attention that my previous loan servicer was reporting my account as 

delinquent. When I emailed and questioned them about it, it took many attempts to get 

any response back. Once I finally received a phone call back from them, they stated 

that they needed me to resubmit some forms, which I did. In June of 2017 I received a 

letter stating that Global Client Solutions would no longer be working with Ameritech 

Financial and that my account would be closed. My bank account is not debited by 

Account Managment Plus. On May 30, 2018 I received the following email from 

Ameritech:I'm contacting you to let you know that we have updated the authorization 

form we use to bill your account. We do need an updated form in order to continue 

assisting you with your student loans. Following this email I will send the form, and it 

can be signed electronically when you get a chance. Nothing will change with your 

billing, but if you do have further questions, please feel free to email me here or call 1-

800-510-5922.Thank you,Danielle CraneAmeritech FinancialCustomer Service 

Representative After receiving this email I 

followed back with an email telling them my address and last name had changed. They 

updated my information on the form and I then completed and returned the form. OtherOther Update

1375 98172949 07/26/2018 Ameritech Financial

Consumer states that he received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. He states that he got a mailer from them and called them to sign 

up. He was told that if he paid them for the next 20 years his loan will be forgiven. He 

now found out that they were a fraud.

Ortiz Attachment A - 309

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 310 of 511
Page 310

# Reference Number Complaint Date Company Name Complaint Info Comments

1376 98172975 07/26/2018 Ameritech Financial The consumer received a letter stating notice of lawsuit pertaining Ameritech Financial. 

Consuerm states he was making payment for about 8-10 $80 monthly.

1377 98173069 07/26/2018 Ameritech

Consumer reports that he got a letter from FTC concerning the Ameritech lawsuit. He 

has sent them money and they have not paid any student loans. Consumer was 

contacted by Ameritech online and has paid them a great deal of money.

1378 98178998 07/26/2018 Ameritech Financial 

i started paying ameritech in 2016, when i signed up i was never told they didnt pay my 

student loans directly. I was told that i paid so much a month to the company then the 

rest went to my student loans. i was never told i was put on a 0 dollar repayment plan 

or anything. when i got the letter from the ftc i called ameritech to ask for a refund and 

it took them 4 days to contact me back and they told me no i couldnt have a refund bc i 

paid for their services. They then tried telling me they were sueing the FTC and a 

bunch of other stuff and tried telling me that i would be better off staying with them. I 

kept telling them i wanted a refund that i was not happy and wanted to know where my 

money went so they sent me a service agreement and said it says they dont pay ur 

student loans. i went through the whole thing and didnt find it any place. I mean i paid 

them a few thousand dollars and why would someone want to pat someone thousands 

of dollars then find out it never went towards their student loans. i could have taken that 

money and paid my student loans directly. i really want my money back and dont 

believe a word ameritech says. they act like a fraud company thats just out there to 

steal ppls money.

1379 98179150 07/26/2018 Ameritech Financial

Ameritech Financial misled me in my understanding of handling my student loans. 

They informed me that FedLoan was currently taking place in a law suit that may effect 

how my contributions would be handled. They also did not submit any documentation 

to the company and had to be chased down after I was being charged a late fee. 

Ameritech Financial told me I would be able to be forgiven and FedLoan informed me I 

may not qualify for the forgiveness that was being offered. Ameritech lied to my 

FedLoan provider about family size in order to decrease my monthly payment. They 

also told me to file my taxes without my husband in order to use the lower income 

when reapplying to the income based repayment plan. When asked to get a refund, 

they told me they were the reason I have been getting a lower monthly payment and 

that payment may be effected if I were to cancel their services and get a refund on the 

services they have provided up to this point. Other-Other Update

Ortiz Attachment A - 310

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 311 of 511
Page 311

# Reference Number Complaint Date Company Name Complaint Info Comments

1380 98219432 07/26/2018 Ameritech Financial|Ameritech 

Financial

 

or representation | Impersonated attorney, law enforcement, or government official --- 

What Happened: I had previously filed a complaint (# ) and it is now 

closed, but I feel was closed incorrectly and under false pretenses.I was contacted by 

Ameritech financial over 2 years ago about having them help me to consolidate my 

federal student loans and submit the paperwork for loan forgiveness. Since April 11, 

2016, I have been making monthly payments to them every single month with the 

expectation and impression that they would be forwarding the payment to my actual 

loan service. I received a document from the USA Federal Trade Commission stating 

that the payments I've been making are not being and have not been submitted to my 

student loan service, and that I should contact them to cancel as well as request a 

refund. I attempted to contact them via customer service phone number and after 3 

minutes of being on hold- a busy signal comes on and the call hangs up. I attempted 

this 5 times. I then called the FTC phone number and per the recording was prompted 

to contact the CFPV to file a claim since I was not able to reach Ameritech directly. 

After I filed this claim, the company called me. The man I spoke with tried to tell me 

that Ameritech was counter-suing the goverment and Fedloans has a lawsuit also. At 

the end of the day, I don't care about the lawsuits. What I care about it that, for the last 

2+ years, I have been under the impression that I have been paying on my student 

loans, but I actually have not been.I was told by the Ameritech representative that i 

would have only had to pay $850 for them to complete my paperwork from day 1 until 

the loan forgiveness were to take place. Why was this not told to me from the 

beginning? If i had been told that from day 1 then that is what i would have done 

INSTEAD of paying the other $2630 that I ended up paying.If Ameritech is going to 

continue to process my paper work, which is what they have stated in the closed 

complaint...that service only cost $850, which I have paid 4 times over.I want my 

remaining $2630 back. I was NEVER told about the "membership" that they allege that 

they offer. The whole thing seems like a scam and even more of a scam now that they 

try to push blame back onto all of the other companies who are also having lawsuits. I 

have made the following payments: 4/11/2016 $207 5/1/2016 $207 6/1/2016 $207 

7/1/2016 $207 8/1/2016 $207 9/1/2016 $207 10/1/2016 $207 11/1/2016 $207 

12/1/2016 $207 1/1/2017 $207 2/1/2017 $207 3/1/2017 $207 4/1/2017 $99 5/1/2017 

1381 98219747 07/26/2018

Ameritech Financial|Ameritech 

Financial|Keiser University-Ft 

Lauderdale

CFPB Issue Type: Dealing with your lender or servicer | Need information about your 

loan balance or loan terms --- What Happened: I received a letter from The Federal 

Trade Commission stating that they are suing the financial company handling my 

student loan (Ameritech). I want to stop using them and get my account back to good 

status and stop using them. I don't know what to do or who to go through. --- Fair 

Resolution: I would like to stop using them and get my account back into good 

standings and get the charges taken off that have occurred since i merged with them. --

- School Unit ID: School OPE ID: 

Ortiz Attachment A - 311

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 312 of 511
Page 312

# Reference Number Complaint Date Company Name Complaint Info Comments

1382 98186266 07/27/2018 Ameritech Financial

 I was contacted by mail in the form of a postcard from "Student Loan Department", 

RE: Student loan payment reduction & forgiveness. I called and was told I could save $ 

by going on an Income-driven repayment plan. I spoke to Kathleen. She told me to 

claim up to 15 people ( I think I did 7) anyone that I bought gifts for, or lent $ to, as a 

dependant (grown children, sister, mother, niece, nephew etc.) After months of 

sending paper work and filling out forms through e mail, filing separate taxes from my 

husband, I was approved. I first had to pay $257 a month for 6 months. These 6 

payments were to cover their "fees". Then my monthly payment would be $99 a month 

for 20 years, and then the balance of my loans would be forgiven. I paid a total of 

$3,720 over 27 months. NONE of it has gone to Fed Loan Servicing. Thank God I 

followed up on the letter I received from F.T.C.

1383 98193864 07/27/2018 Ameritech

I got a letter in the mail about student loan forgiveness. It had board of education it so I 

trusted it and called the number. Ameritech said they could get me a reduction on my 

student. I was told for $260 for 6 months then $99 a month after they could get my loan 

reduced to around $28,000. I was told they would make the arrangements and 

payments. My borrowers tell me every month I owe zero but I notice every time my 

total amount owed is the full amount of both loans and it never goes down. My concern 

now is, did Ameritech actually do anything with my student loan and just take my 

money? Did they get me a full forgiveness and lie by saying it was a reduction just so 

they could charge me almost $30,000?

1384 98194075 07/27/2018 Ameritech Financial

Consumer states that he received a letter from the FTC about Ameritech Financial. 

Consumer states that he lost a total of $972 to this company. None of the money has 

gone to reducing the consumers student loan.

1385 98194268 07/27/2018 Ameritech Financial

The consumer received the Ameritech Financial letter. Consumer had signed up with 

said company and has paid 1,723.33 dollars. Consumer is not aware of anything being 

done to help him.

1386 98232693 07/27/2018 Ameritech Consumer got a letter from FTC vs Americatech. Consumer lost $1300 and received 

no benefit.

1387 98233014 07/27/2018 Ameritech Financial

Ameritech offered to negotiate to get me the best deal on my loan forgiveness payment 

plan, and now my loans have been deferred until February 2019, so they're accruing 

huge amounts of interest. Every time I emailed, I got a phone call, so it was impossible 

to have a papertrail.

1388 98233280 07/27/2018 Ameritech Financial The consumer received a letter from FTC in regard to Ameritech Financial. Consumer 

states he was paying them for about 4 months.

Ortiz Attachment A - 312

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Page 313

# Reference Number Complaint Date Company Name Complaint Info Comments

1389 98233438 07/27/2018 Ameritech

Consumer has rec'd an FTC v. Ameritech letter. He has tried to contact the company 

and requested a refund. He was denied because he was told that the company has 

provided services. Initially consumer has rec'd a phone call from company enrolled in 

their services.UPDATE: 7/27/18 VMCB: 18RM3006 Consumer was transferred to 

supervisor. Consumer called back in regards to the letter he received about the 

Ameritech VS FTC. Consumer states that he signed up with the company to 

consolidate his student loans and agreed to pay $99/month. Consumer paid for about 

a year. Consumer states that he contacted the company and was told that they cannot 

issue him a refund. 

1390 98238374 07/27/2018 Ameritech Consumer got a letter from the FTC about Ameritech and wanted to file a report.

1391 98238570 07/27/2018 Ameritech Financial

Consumer states that she received a letter from FTC regarding the Ameritech 

Financial. Consumer states that she hired Ameritech Financial approximately on 

03/14/2017. Consumer states she agreed to pay $108 per month and the last payment 

made was 06/2018. Consumer was suppose to pay for 20 years. Consumer had called 

Ameritech Financial but the call did not go through. Consumer was promised to pay 

her loans off at a lower monthly rate.

1392 98239073 07/27/2018 AmeriTech Financial 

AmeriTech Financial first contacted me by letter to offer to lower my balances on ywo 

Parent Plus loans. I didn't respond for almost a year to that letter. I also received many 

phone calls from them. When I was finally in a better financial place, I called them. 

They started an application over the phone. They promised to take $10,000 off my 

Parent Plus loans. I sent them paperwork of tax returns, paychecks, and signatures 

from my boss at the time. They claimed they lost the first packet of information I mailed 

to them. So I mailed all documents a second time. Once loan was approved, I was 

then told of the fees. I had to pay several months of fees before The Department of 

Education received any money. I called the Dept of Education in February 2017 and 

was told that AmeriTech Financial was not affiliated or a servicer for them. I cancelled 

my membership with AmeriTech Financial in February 2017. They did debit my 

account for two months of payments. The first payment was $88.00, on December 7, 

2017. The second payment was debited from my account on January 2, 2018. Total 

paid to AmeriTech Financial was $176.00. I just called them today July 27, 2018 and 

ask for a refund of $176.00. Whom ever I spoke with said I was not entitled to a refund. 

I explained that I received a letter from the Federal Trade Commission and it said I 

could call and ask for a refund. The person I spoke with was very short with me. She 

said she was aware of the letter. But they serviced my loan for two months and they did 

not have to refund my $176. I had never felt comfortable dealing with AmeriTech 

Financial,.especially since all my paperwork was lost. Are they required to reimburse 

me? Thank you, 

Ortiz Attachment A - 313

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 314 of 511
Page 314

# Reference Number Complaint Date Company Name Complaint Info Comments

1393 98248034 07/27/2018 Ameritech Financial

Consumer reports they received a call from Ameritech Financial offering to lower their 

monthly student loan payment and loan forgiveness. Consumer reports they were 

paying the company and they were not putting it towards the loan.

1394 98248240 07/27/2018 Ameritech Financial

Consumer received a letter from FTC in regards to Ameritech Financial. Consumer 

states he saw a link on his loan papers and then looked up a numberwhich he talked to 

somebody at Ameritech Financial for a loan forgiveness program. Consumer was 

paying 115 dollars monthly.

1395 97376555 07/27/2018 Ameritech|AES Credit

Consumer received a letter from the FTC concerning Ameritech and related 

companies on 07/02/2018. The consumer had been paying a company called AES, or 

American Education Services. The consumer was notified that his student loan was 

taken over in 2012 by the AES company. The consumer has been paying them a 

monthly fee of 298 dollars via bank transfer. The consumer has given the company a 

total of 18,537 dollars. UPDATE:07/13/2018 Consumer wanted to know the updates 

with Ameritech, was told it was still on going. UPDATE: 07/27/2018 Consumer 

said that he received the letter. He believes that, he might be involved with Ameritech. 

1396 97563811 07/27/2018 Ameritech|GCS

Consumer is calling to report that he received a letter from FTC v Ameritech Financial. 

Consumer was with the company since 2016 and has paid $2,000.00. UPDATE 

07.10.2018: Ameritech told the consumer that allowed them to legal advocate for the 

when dealing with the Federal Servicing, but Federal Servicing has not record of 

Ameritech being the consumer legal advocate. . UPD_07/27/2018: The 

consumer has called to report that she spoke with a legal division from Ameritech and 

also received something from Global Client Solutions which worked with the company 

and also ACCT MGT PLU. The consumer states that they have been charging her $99 

per month and was told that it would be for 20 yrs and she would then pay taxes. The 

company that has her loan is Fedloan Servicing. The individuals went to 

studentloan.gov and created an account with the information that was provided and 

picked the program for her. She provided the names showing up on her account 

charging her for payments. 

Ortiz Attachment A - 314

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 315 of 511
Page 315

# Reference Number Complaint Date Company Name Complaint Info Comments

1397 98252104 07/28/2018 Ameritech Financial / Reliant 

Account Management

I heard a radio advertisement offering student loan forgiveness. I iniated the phone call 

to 800-792-8621. I was explained that it was under President Obama's Student Loan 

Forgiveness program. My balance was approximately $55,000. Alva, the customer 

service rep said I could pay $173.00 for 13 months toward my student loan and 

beginning month 14, the payments would decrease to $119.00. I would pay that for the 

next 10 years and would be forgiven for the remaining balance of my loan. She 

explained that the interest accrued would bring cause me to pay $108,600.00 With 

Ameritech Financial I would save $94,320.00. I was contacted via email for the 

following information. Please see below for the complete list of documents we require. 

Most Recent 30 Days of Paystubs: NeededMost Recently Filed Tax Return: 

NeededStatement of Income: NeededPSLF Employment Certification Form:Need 

Client and Employer SignaturesStop Automatic Payment To Servicer Form: 

NeededRecent Loan Servicer Statement(s) or Documents: NeededIBR/ICR Application 

Form: Need Client SignatureForbearance Form: Need Client SignatureStop/Freeze 

Forbearance Form: Family Size Letter: N/AVoided Check: NeededNotes by our 

Document Collection Department: The first payment was drafted on Sept.15 2017 and 

continued until June 17, 2018.

1398 98257137 07/28/2018 American Financial Benefits 

Center

This company, AFBC, promised to lower my student loan payments, as well as stated 

that I would be forgiven of my debt once a ten year period of payments was up. When 

inquiring why my student loans were not being reduced and in fact, I was gaining 

interest aslo, the company insisted that until the ten year period of payments was up, 

that the student loan website would continue to show no payments being made and 

that after the ten year period, I would see a $0.00 balance. AFBC continued to make 

sure that my student loans were in forebearance so that I would not be late on those 

payments and stated that a small portion of the $99.00 I was paying monthly was for 

them to keep on good terms with my student loan company and that the other portion 

of the $99.00 was going to the student loan debt.. As I looked further into this 

company, unfortunately years later, I just came across a court complaint filed against 

the AFBC. It looks like myself, as well as thousands of others have been being 

scammed. Other-Other Update

Ortiz Attachment A - 315

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 316 of 511
Page 316

# Reference Number Complaint Date Company Name Complaint Info Comments

1399 98265246 07/29/2018 Ameritech Financial

3/2015: was trying to pay back my nursing student loans. At that time, my monthly 

payment was approx $300-$400. Husband was not working. I had a family of 4 to 

provide for. Desparate and needing help to manage these payments. I went online to 

find a company that could help me with my student loan payments. After reading the 

information that was provided on the Ameritech website, I filled out a brief application. 

They contacted me immediately. I was told, by the Ameritech representative, "you 

would pay 99.00 a month for 10 years if you work for a non-profit hospital or 99.00 a 

month for 20 years for a for profit hospital after that your loans would be paid". At that 

point, I was told, that the first 6 months the payment would be 207.00 and then your 

payments would be adjusted to 99.00 a month. I was sent pages to be looked over 

and signed via email. I did have to send/fax (fax number 866-818-9026) them pay 

stubs, a cancelled check, 2014 tax return, PSLF (employment certifaction form), 

Repayment Plan or Recertification request,and a General Forbearance request. I still 

have the original packet I faxed to AmeriTech Financial. Immediately, 207.00 was 

coming out of my bank acct monthly for 6 months. After that, it was 99.00. I didn't 

hear from AES regarding my loans anymore. I could afford my loans and they were 

being paid on time. 6/2018 I receive a letter from the FTC stating Ameritech Financial 

is being sued for deceptive practices. I immediately contacted AES. There hasn't been 

a payment made to my account since 2015 and the balance on my account is 

34553.34. I feel like I have been taken advantage of. When I called to sever my 

relationship with Ameritech Financial, I asked for my money back. I was told by a 

manager "they is no way to have your money refunded". I told him" I felt deceived by 

Ameritech Financial and that I was never told my loans would never see a dollar of the 

money they took out of my account." At this time I received an email from them that 

states "Ameritech financial strongly denies the allegations in the FTC's complaint. The 

company provide valuable services to consumers and have successfully assisted over 

10,000 consumers to enroll into federal student loan forgiveness programs". They 

didn't assist me to enroll in a federal loan forgiveness program. I'm still in the same 

program with more accrued interest and a higher loan balance. I am so upset with the 

whole situation. This is a disguisting way to con money from desperate hard working 

americans. Now, I'm out over 3000.00 and I need to repair my relationship with AES.

Ortiz Attachment A - 316

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 317 of 511
Page 317

# Reference Number Complaint Date Company Name Complaint Info Comments

1400 98265701 07/29/2018 Ameritech Financial

Ameritech sent my something in the mail approximately March 2017. I called them and 

the guy I talked to sold me on the loan forgiveness plan. I had to talk to one person first 

in a very quick manner before being turned over to their financial person. If there was 

any question at all with the financial person they turned me right back to the original 

guy I had been speaking with. They said I would be enrolled in a loan forgiveness 

program and switched me from Navient to Nelnet. They also said I would pay $800 to 

Reliant Account Management (RAM) as a third party and that they would send 

Ameritech Financial their cut. RAM charged me through Jan 2018 when I cut the 

payments off. I ended up having a total of $1,200 drafted from my account from MAR 

2017-JAN 2018 all to Reliant Account Management.

1401 98270679 07/29/2018 Ameritech Financial

Received a call from a Jose Minaya stating that he could consolidate my student loans 

and qualify me for loan forgiveness provided that I pay the small fee of 108.00 Dollars 

a month to Ameritech financial over a period of ten years. At the end of the ten years 

my debt would be forgiven.

Ortiz Attachment A - 317

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 318 of 511
Page 318

# Reference Number Complaint Date Company Name Complaint Info Comments

1402 97848183 07/30/2018 AmeriTech Financial

 

and they described what seemed to be a legitimate company. I did my research of 

looking up their website and everything seemed real. I signed up for student loan 

consolidation through AmeriTech Financial. I was told by the people at this company 

that I would be paying them a monthly fee to help me consolidate my student loans and 

to make my monthly payments for my student loans a zero dollar payment. I was also 

told that the monthly payment I was paying to AmeriTech Financial would be split in 

half, the first half of that payment each month was for the services that the company 

was performing on my behalf. The other half of the monthly payment each month was 

described to me as it was going toward my student loan accounts and that the 

company was making a payment on my behalf each month. I then got a bill from my 

loan servicer a few months later stating that I had a payment due. I called AmeriTech 

Financial to ask them about this. They told me I did not owe anything to my loan 

servicer because my payment was a zero dollar. This was explained to me as even 

though I was not paying an amount of money toward my student loans, it still counted 

as a payment. This seemed strange to me but I trusted that they were doing what I 

though would be a good thing. I kept AmeriTech Financial's services active for 9 

months because I thought the payments I had been making to AmeriTech Financial 

were actually helping my student loan balance decrease. It was only brought to my 

attention that AmeriTech Financial was not actually helping me make payments on my 

student loans by way of a letter in the mail from Federal Trade Commission. This letter 

notified me of a lawsuit against AmeriTech Financial for the exact reason I had 

questioned them about the money I was paying them each month. AmeriTech 

Financial does not disclose up front that they do not make monthly payments on the 

borrower's behalf. Instead they bypass that information by saying that the monthly 

payment will be split in half and dealt with as explained earlier in my statement. 

AmeriTech Financial gave me false information by stating that I qualified for a student 

loan forgiveness program. This program was explained to me as the government had 

forgiven over half of what I owed in student loan debt but the other half was what 

AmeriTech Financial was going to be helping me with by lowering my monthly 

payments. Instead of lowering my monthly payments they let interest accrue on my 

student loans and the balance on those loans have actually increased by almost one 

1403 97985018 07/30/2018 Ameritech Financial

Consumer received a letter from FTC regarding Ameritech Financial. Consumer 

contacted Ameritech and they told her that she could not get her refund because she 

had there extra services for benefits and discounts. Consumer was told that her money 

was going towards keeping an eye on her student loans. Consumer stated that she 

was not explained anything at all in regards to how there services work.

Ortiz Attachment A - 318

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 319 of 511
Page 319

# Reference Number Complaint Date Company Name Complaint Info Comments

1404 98271488 07/30/2018 Ameritech

Consumer received a letter, from FTC. Consumer states that, she has been involved, 

with Ameritech for a year. Consumer did invest money, into this company. Consumer 

found out that, they haven't been paying her student loans. Consumer wants her 

money back.

1405 98277055 07/30/2018 AmeriTech Financial Services

I got contacted by Kathlenne is October of last year and she promised me that I could 

reduce my student loan payments each month. I just recently got my payments back 

on track after I was unaware that I was deliquent on them for 6 months. So the offer 

sounded great. I signed everything off on October 18th and started making payment in 

December of 2017. I have been making $82/month payments ever since and just got 

this in the mail that none of that money was actually going to my student loans. It's 

extremely frustrating to be deceived like this and I want that money back so I could 

actually put it towards my student loan debt and not hinder my future any longer.

1406 98277079 07/30/2018 Ameritech

I was approached via mail, called the number, submitted income verification and was 

transferred to united credit processing for bank account info. 2 months later, payments 

stopped being debited, I received correspondence from the student loan via 

government about collections. I then called the Ameritech 916-605-7007 and the 1-

866 number, but they rang when I called to discuss where my payments were. I was 

informed $100, would go to Ameritech deducted from the monthly payments.

1407 98277657 07/30/2018 Ameritech Consumer is calling saying she had receive a letter from the FTC about Ameritech. 

Consumer says she wasn't to file a complaint against them.

1408 98358792 07/30/2018 Ameritech Financial 

Ameritech Financial contacted me by mail stating they could help with student loan 

repayment, giving me a low rate. I was told my payments would be $132 a month for 

the first year and would lower to $99 a month for the remainder until paid. The payment 

never lowered to $99. The first payment was 9/9/16 at $132 until 6/9/18, totaling 21 

months = $2,772. I was also charged a fee of $800. I stopped payment at my bank on 

7/9/18 and was able to cancel with Ameritech on 7/18/18. Ameritech put my account in 

forbearance for one year while keeping my payments and never applying to my loans 

with Nelnet. Since no payments were being applied, Nelnet reported to credit bureau 

for no payments after the forbearance ended. Which lowered my credit number 

significantly. According to Nelnet not one payment has ever been made to my account 

by Ameritech or any other agency. I have been in contact with Nelnet and working to 

get my loans situated with them. I have all paperwork and emails from Ameritech since 

8/10/16. I have asked for a refund of all monies from Ameritech in which they refused. I 

hope to recover every dollar from Ameritech with the help of FTC. Other-Other Update

Ortiz Attachment A - 319

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 320 of 511
Page 320

# Reference Number Complaint Date Company Name Complaint Info Comments

1409 98358948 07/30/2018 Ameritech Financial

Consumer reports on the behalf of their daughter, they did business with Ameritech 

Financial and offered to lower their student loan payments and student loan 

forgiveness. Consumer reports their payment was not going towards the loan.

1410 98359065 07/30/2018 Ameritech

i was contacted by a company claiming i qualified for debt forgiveness. they transferred 

me to ameritech where they claimed i qualified for debt forgiveness and my student 

loan payment would be $20/month. i would go from almost $18000 down to almost 

$7000. they have been taking $88 out of my account for application processing. i did 

ask if i could pay more if i was able to and they said it wouldnt do anything towards the 

balance. it hasnt been finalized yet but they are continuing to yake the money out.

1411 98359242 07/30/2018 Ameritech Financial

I received information, I did not ask for, through the mail from Ameritech Financial. It 

was in regards to lowering your monthly payment on student loans and the possibility 

of complete loan forgiveness. I waited about a month and decided to call in August of 

2016.Through the whole process of having the program explained to me the fact that 

payments would be lower and the loans could most likely be forgiven was the main 

bullet point that was pushed on me. There was never a time when whomever I would 

speak to ever said that none of the money paid to them would go towards my loan 

repayment. Looking back through the paperwork I kept, there is nothing that states 

none of the money paid would not go to the loan repayment. After paying Ameritech 

Financial for a year I had to re-certify. At no point during this process did anyone ever 

bring up the fact that none of the payments made would go towards my student loans. 

During the re-certifying all that was said over and over was that they wanted to keep 

my payments as low as possible. I received the FTC notification that Ameritech was 

being sued. I called several times and would either be hung up on or put on hold with 

no one ever answering. I put a stop on any withdrawals through my bank so Ameritech 

could not take anymore payments out. When I finally got a customer service rep on 

the line I told them that I wanted my membership cancelled and my money refunded. 

The response I got was that Ameritech had in turn sued the FTC and no refunds would 

be given out at this time. I paid them over $3,000 in a two year period.

1412 98407487 07/30/2018 Ameritech

Consumer has rec'd an FTC v. Ameritech letter. Consumer has rec'd info in the mail 

and he called the number listed. Consumer enrolled and started making payments 

because he had been told that Ameritech would be making payments to his lender. He 

also set him up with his smaller loans to a school. Consumer states that he has made 

$709 in payments to company. He has been trying to call and cancel and get a refund. 

He is waiting on a callback.

Ortiz Attachment A - 320

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 321 of 511
Page 321

# Reference Number Complaint Date Company Name Complaint Info Comments

1413 98407498 07/30/2018 Ameritech Financial

In May of 2016, I completed forms to enter the student loan forgivness program 

Ameritech advertised. I paid them a monthly fee and they handled all the paperwork. 

After a year, the fee was reduced and then I later discovered that the fee was not 

acutally paying my loans but was going to their company. I could still recieve their 

serivces without paying the fee. I stopped paying the fee but still let them handle the 

paperwork. I was under the assumption that I had been in the program since June of 

2016. However, upon contacting the FedLoan services, I discovered that I was just 

qualified for the program in May of 2018 and only 3 payments have been applied 

instead of 2 additional years worth. So now not only am I out all of the money I initially 

paid Ameritech, I am out 2 years of time for payments that could have been counted 

toward my loan forgiveness. Other-Other Update

1414 98407523 07/30/2018 Ameritech Financial

The consumer received a letter from our agency (FTC) about the recent Ameritech 

action. He states he was not aware his payments were not going to his loan until he 

got the letter and checked. He called the number he had for them and they changed 

their name to Account Management. He was told by them that his payments would be 

going towards the loan. He has been paying monthly about 119. for two years to total 

about 3,000.00. He thinks they first contacted him by email. He knows he did not reach 

out to them first.

1415 98408059 07/30/2018 Ameritech financial

i was under the impression my montly payments were going toward my student loans. 

They stated my student loans would decrease from 33k to 20k. i have paid out a total 

of $575 and none of that money went toward my loans. i am a single mother of 3 so i 

dont have money to blow. They state the only thing they have done on my behalf was 

consolidate my loan and keep it current (for 575 i could have did that. They deceive 

their costumers making them believe that the payments are going toward their loan ! 

NOT THE CASE. once i found this out i immediately cancelled mt services and 

requested a refund, of course they said no so im going to file a lawsuit

1416 98408115 07/30/2018 Ameritech Financial

Consumer received a letter from the FTC in regards to Ameritech Financial. Consumer 

stated that he has been paying them for student loan reductions, he has paid them 

about $4,000 via bank account debit. Consumer has now learned the payments are not 

being used towards his loans.

1417 98408163 07/30/2018 Ameritech Financial

I was contacted by a company in 2016 called Ameritech Financial. They claimed to be 

working with the federal government to receive payment from me for federal student 

loans.I started paying monthly installments of $99. I received a letter from the Federal 

Trade Commission in June of 2018 letting me know they were suing Ameritech for 

deceptive practices. I am filing a complaint with the FTC hoping to be reimbursed for 

the money I paid to Ameritech Financial. Other-Other Update

Ortiz Attachment A - 321

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 322 of 511
Page 322

# Reference Number Complaint Date Company Name Complaint Info Comments

1418 98412594 07/30/2018 Ameritech Financial

AMERITECH COMPLAINTS: The consumer rcv'd the Ameritech letter from the FTC. 

The consumer did sign a document with Ameritech about 2 months to allow them to 

keep charging her acct.

1419 98413280 07/30/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial. Consumer states 

she paid a total of $2500. Consumer received letter from FTC regarding the recent 

lawsuit that was filled against this company.

1420 98420785 07/30/2018 AMERITECH FINANCIAL

I came from Africa with less informatiom about student loans. i took in a lot and it is a 

burden for me to be able to pay it. the company reached out and told me that instead 

of paying a huge amount, i could only be paying 82$ per mont and within 10 years , my 

whole debt will be cleared. i took the offer because they told be my debt will be less 

than 10,000$. now I know that they scammed me, i want them to refund me my money 

because when I talked to them, they changed the story and said that I was actually 

paying for the service they offered me. Oroginally they told me I was paying for my 

debt. please help me get my money back. Thank you so much

1421 98426889 07/30/2018 Ameritech Financial

I received multiple fliers in the mail and answered a subsequent phone call from 

Ameritech. After multiple questions, they finally talked me into their 'loan consolidation 

program' where I would pay $99/month and they would pay my loan company until the 

10 years passed for my PSLF qualifier. I questioned about the years I've already paid 

and they said I didn't do the correct paperwork so none of that time had counted and 

wouldn't unless I do things through their company. I asked to review everything before 

signing. I read it and submitted and renewed by income based repayment plan 

agreement. When I would receive statements through my loan provider- Great Lakes, 

I had $0 due so I had no idea Ameritech wasn't actually paying the balance of my bill 

and after receiving the letter from FTC, I've discovered my balance is over $85,000. I 

immediately changed passwords as recommended, and left a message with Ameritech 

to cancel and get a refund but I haven't heard back as of this writing. I am uncertain 

my next steps but am very concerned about my credit, qualification for the loan 

forgiveness program, and having to pay a huge amount of money each month when I 

work in the non profit public health sector.

Ortiz Attachment A - 322

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 323 of 511
Page 323

# Reference Number Complaint Date Company Name Complaint Info Comments

1422 98440045 07/30/2018

Ameritech Financial|Ameritech 

Financial|Florida State 

University

CFPB Issue Type: Getting a loan | Fraudulent loan --- What Happened: I was given the 

wrong information by Ameritech Financial. They said that my monthly payments to their 

loan forgiveness plan that they said would make it cheaper instead of what I would be 

paying for Great Lakes would be going to the loan. Plus they said now that they had the 

loan forgiveness plan with me that I would be paying less and not paying interest and if 

I went back to school and got a second degree and a better paying job with the 

government or state that my forgiveness would be even lower. None of my payments 

went to my loan and I found out the fee they charged me in the beginning to sign up 

was not even a fee I would have gotten with Great Lakes if I did the forgiveness plan 

with them instead. Where was my money going to if it wasn’t for my loans? --- Have 

contacted: CC Issuer --- Fair Resolution: Getting my money back in the amount of 

1500.00 which is how much I have been paying them since I took out the forgiveness 

loan to them. --- School Unit ID: --- School OPE ID: 

1423 98440198 07/30/2018

Ameritech Financial|Ameritech 

Financial|ARIZONA STATE 

UNIVERSITY

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I have provided Account Management Plus / 

Ameritech Financial a total of $2,487 since October 2016 and none of it has been 

towards my student loans. Below are example payments that Ameritech Financial/ 

Account Management Plus have taken from me the past 18 months. None of the below 

payments have been made towards my student loans. Ameritech has been involved 

with deceptive practices with me. 05/01/18 AcctMgtPlu $99.0003/29/18 AcctMgtPlu 

$99.0003/01/18 AcctMgtPlu $99.0001/31/18 AcctMgtPlu $99.0001/02/18 

AcctMgtPlu $99.0011/30/17 AcctMgtPlu $99.0010/31/17 AcctMgtPlu 

$99.0010/02/17 AcctMgtPlu $99.0008/30/17 AcctMgtPlu $99.0008/01/17 

AcctMgtPlu $99.0006/30/17 AcctMgtPlu $99.0005/31/17 AcctMgtPlu 

$99.0005/02/17 AcctMgtPlu $99.0003/30/17 AcctMgtPlu $99.00 --- Fair Resolution: I 

would like all my money back that has not gone towards my student loans. I would also 

not want them to do this to anyone else. --- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 323

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 324 of 511
Page 324

# Reference Number Complaint Date Company Name Complaint Info Comments

1424 97604648 07/30/2018 Ameritech Financial|Acctmgt 

Plus

The consumer is calling concerning Ameritech Financial. Consumer did business with 

them and paid them an unknown amount of money. will call back. UPDATE: 7/9/2018 

Consumer provided transaction date for engagement with the company for loan 

forgiveness. Consumer states the company is not paying their loans as promised and 

the amount due has now increased. Consumer paid approximately $3,660 by bank 

debit. Consumer was paying $206/month and has now been paying $99/month. 

Consumer has not been able to contact the company. Company name Acctmgt Plus 

included, which appears on the consumer's bank statement. UPDATE 

07/16/2018:Consumer stated that he paid an amount of 4563 dollars total to 

Ameritech. Update 07-28-2018 Consumer called back to ask questions. 

 UPDATE 7/30/2018: Consumer called to get an update. Ameritech tells him 

that they aren't issuing refunds. He was told to check back on FTC.gov to check for 

any updates on the case. - 

1425 97985311 07/31/2018 AmeriTech Financial

In short, AmeriTech Financial told me over the phone that after about 2-3 monthly 

payments, all of my payments after that period would go towards my student loans. 

They even went as far as to tell me that I would stop receiving mail from my lender 

because of the fact that they would be using my monthly payments to pay them. I spent 

over a year believing that AmeriTech Financial was using my money to pay off student 

loans because that is what they told me.

1426 98432721 07/31/2018 Ameritech Financial

Consumer is calling to report she was contacted by Ameritech Financial and was 

offered to lower her loan and take over her payments. She agreed to it and says they 

were withdrawing $173 monthly from her bank account. She noticed on her credit 

report, that her student loan has gone up instead. Then she received a letter 

information her about the case FTC has against them.

1427 98433175 07/31/2018 Ameritech Financial

Consumer received the letter from FTC and Ameritech Financial. Consumer signed up 

and cancelled in 2017 but has not receive her money back after she cancelled. 

Consumer does not have the amount she paid

1428 98433350 07/31/2018 Ameritech Financial

Consumer reports he had a membership with Ameritech Financial for 3 years but the 

company is not wanting to give him a refund until the case is done. Consumer was told 

they were going to help him to forgive his student loan debt but he just found they did 

not do any payments.

1429 98438056 07/31/2018 Ameritech Consumer would like to file a complaint against Ameritech for their deceptive practices.

Ortiz Attachment A - 324

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 325 of 511
Page 325

# Reference Number Complaint Date Company Name Complaint Info Comments

1430 98438140 07/31/2018 Ameritech financial 

I was contacted by Ameritech financial through the mail. The postcard made it seem 

like they would assist me with getting my student loans down so i contacted them. I 

spoke to someone and they informed me that it would be a higher payment the first 

year to pay for their services and would go down after that until the student loan would 

be taken care of. I cancelled them in May 2018 because I was becoming skeptical of 

their services and was told by a loan officer that my student loan amount had not 

changed in those two years.

1431 98438395 07/31/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $130 for the last year 

to cover their student loan consolidation services. sh had to lower the monthly amount 

to $49 within that year. So she does not know how much she has paid for far. She just 

received a letter from the FTC regarding action being taken against Ameritech.

1432 98438405 07/31/2018 Ameritech

Consumer received a letter, from FTC, about Ameritech. Consumer has been involved, 

with the company two and half years. Consumer found out that, they are not paying his 

student loans. Consumer wants a refund.

1433 98451797 07/31/2018 Ameritech Ameritech Letter: Consumer has paid approximately $1500 and has received no 

benefit on paying down his student loan.

1434 98455974 07/31/2018 Ameritech

I have been paying Ameritech $108 monthly since 7/5/17. for 1 year now. well on 

7/5/17 they charged me $100 but for the rest of the months including 7/5/18 they have 

been taking $108 from my account. the total of $1,296.00. They told me they are 

helping me to negotiate with American Dep of Education and that within so many 

payments, my loan will be forgiven complitely. I cant believe I really got into this. The 

college I went to went bankrupt and my BA degree worth nothing, that is why I was 

hoping to get aloan forgiveness , since I cant' get any transcripts for further education. 

Now I'm super disappointed that I got tricked into this scam along with so many 

unfortunate people. I hope I can get my money back somehow.

Ortiz Attachment A - 325

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 326 of 511
Page 326

# Reference Number Complaint Date Company Name Complaint Info Comments

1435 98481344 07/31/2018

Ameritech Financial|Ameritech 

Financial|University of 

Bridgeport

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: : Back on 4/28/17 I received a letter in the mail, 

looking like it was from the Department of Education Federal Loans Department. It 

stated they had a new program to help consolidate my student loans with an easy and 

faster payment plan. I called and was told they would consolidate my loans and have 

them payed off by 6/1/21. I would have to make payment of 2 @ $74, 10 @ $173 and 

the rest @99 per month with 6/1/21 being my last payment. I filled out the forms and 

sent everything in and my representative said they would get back to me. The next day 

I had an approval and they began to take payments direct from my checking account. 

To this day I have paid $2274.00. I have found out the NONE of it has gone towards 

my loans, they only kept them at a $0 balance due, but interest was still adding up. I 

WAS SCAMMED! I called both former loan companies and they said that no payment 

was EVER made by this company. I have been trying to call them, but only get a 

message saying they will return my call. I have emailed them multiple times with no 

response. They use RAM (Reliant Account Management) for collecting money. They 

as well will not answer the phone or emails! Now I finally see all the complaints online 

about this company, but nothing has been done to stop them. I want and deserve a 

refund! --- Have contacted: CC Issuer --- Fair Resolution: Refund of my $2274. Make it 

known that this company has been scamming people since it opened! --- School Unit 

ID: --- School OPE ID: 

1436 97643721 07/31/2018 Ameritech

Consumer is calling to report he received a noticed about the lawsuit against 

Ameritech, which he has already contacted Ameritech and canceled his bank withdraw 

for their monthly charges. Consumer first received a noticed on the mail to contact 

them so they could help with his student loans, which he contacted. Consumer has 

paid them a total of $3584 through an electronic check/withdraw starting 07/2016. 

Consumer states Ameritech went back to the agreement and added false information 

he never provided about being a single father of five children, which they kept stating 

that he had signed off on it when he did not. Consumer asked for the recording of that 

call and the request was denied. - Consumer requested additional fulfillment. UPDATE: 

7/31/18 Consumer called to get an update on the case. referred to ftc.gov 

1437 98462608 08/01/2018 Ameritech

Consumer has received a letter from FTC vs Ameritech. Consumer cosigned a loan for 

her daughter. She received a letter from Ameritech telling her that they could help 

lower her student loan. Consumer was told that in the first year payments would be 

made to the company and then she would pay directly to the student loan agency. She 

had paid about $5500 to the company.

Ortiz Attachment A - 326

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 327 of 511
Page 327

# Reference Number Complaint Date Company Name Complaint Info Comments

1438 98469075 08/01/2018 Ameritech

Consumer is calling due to she received a letter concerning a Law Suit with Ameritech 

and to contact the FTC. She stated that she has paid this company around $ 2000 or 

more. She stated that she started making the payments to this company a few years 

ago. She stated that she has made payments of $ 150 monthly. No further information 

was provided.

1439 98469307 08/01/2018 Ameritech Financial

I was contacted by someone at Ameritech Financial in 2015 or 2016. They stated that 

they help assist with student loan debt. I spoke with th representative for about 20 

minute, went to the website to see if they were legit, and then went ahead and signed 

up. They asked for specific information, bank statements, tax returns, and check stubs. 

They also asked for IDR information to be signed and faxed to them as well. I sent all 

of this information and told what my total repayment would be. After paying for year of 

the service, Fed Loan would still email bill me after Ameritech stated that everything 

had been taken care of. So after a year of paying Ameritech, I called them to see why 

was I still paying them if I Fed Loan stated that had a bill? From my understanding, my 

payments from Ameritech would be given to Fed Loan. It was then explained that I was 

paying them process paperwork (which I realized I could've done on my own). I stated 

that this was a waste of money and they person who signed me up should've made 

this clearer. The man then apologized, unenrolled me for whatever I signed up for but 

said I would not be able to retrieve the money I had already given to them. I was 

making payments of about 100+ dollars a month. (I still have the email chain as proof). 

Since then I haven't had any issue with FedLoan or Ameritech. My IDR with Fed Loan 

is in clear standing.

1440 98469589 08/01/2018 Ameritech Financial

Consumer states that he received a notice from the FTC in regards to the lawsuit 

against Ameritech Financial. Consumer has been with Ameritech since 2015 and has 

paid approximately 3570 dollars. Consumer has not contacted Ameritech to cancel his 

membership yet.

1441 98479348 08/01/2018 Ameritech Financial

Consumer would like to file a complaint against Ameritech Financial for their deceptive 

practices. She started payments with them back in 2016 and paid $50 each month plus 

other fees that applied.

Ortiz Attachment A - 327

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 328 of 511
Page 328

# Reference Number Complaint Date Company Name Complaint Info Comments

1442 98479553 08/01/2018 Ameritech

In April 2016 we were contacted by Ameritech via phone regarding my school loan. 

The gentelmen stated that with Ameritech I would qualify for the 10 year of payments 

starting at 115.00 for 6 months and then after that time the monthly payments to pay 

off my loan would be 99.00$ a month. After the 10 year payments were made the 

remaining balance of the loans would be forgiven. All of the information that Ameritech 

requested was sent to them multiple times via fax, email and mailing of hard copies. 

Nothing was mentioned to me that the payments were for a membership to Ameritech 

and they were not going to pay off my loans. So for 2 years the payments were take 

out of our account. When they would call, we would email the requested information 

again. When we received the Federal Trade Commission letter on June 27, 2018, we 

had no idea there was a problem with Ameritech and that those payments were indeed 

not going to pay off my loans that last 2 years. I called them right away and they told 

me they had called me multiple times to received the information and that they never 

received the information at all. I never received as many of the phone calls that they 

claimed they called me. When I did receive an email or call, I would handle the 

request right away. Ameritech definitely did not hold their end of the promises to pay 

off my loan with the monthly payments they were receiving for 2 years. I cancelled the 

payment with Ameritech on July 27th, 2018. In the last 2 years because of no 

payments were paid towards my loans, the interest rate accured to 4,246.20$ as of 

today, at no fault of mine. Needless to say that I am no very pleased with Ameritech's 

service or lack of.

1443 98479709 08/01/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $175 for the last two 

years to cover their student loan consolidation services. So far she has paid them 

$2574 which has not gone towards her student loan debt. She just received a letter 

from the FTC regarding action being taken against Ameritech.

1444 98486907 08/01/2018 Ameritech Financial

Consumer states that she received a letter in the mail from the FTC in regards to the 

lawsuit against Ameritech. Consumer has been a member of their program for over a 

year and paying over 1000 dollars.

1445 98486965 08/01/2018 Ameritech

The consumer states she received notice of the lawsuit from Ameritech. She states 

she had prior business with them. They had refunded her the amount she paid 

because of some confusion as to how much it was supposed to be. She states that her 

father had gone through them and referred her. She will contact back with more 

information.

1446 98487434 08/01/2018 Ameritech Financial

Consumer rcv'd a letter about FTC v. Ameritech Financial. Consumer has been paying 

Ameritech Financial every month to resolve their student loans, but Ameritech has not 

been fulfilling the terms of the contract. Consumer agreed to a contract of 1200 

months at $207/mo for the first 12 months, $100/mo for the remainder of the contract.

Ortiz Attachment A - 328

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 329 of 511
Page 329

# Reference Number Complaint Date Company Name Complaint Info Comments

1447 98487536 08/01/2018 Ameritech Financial

I was looking for a company to help decrease my monthly student loan payments as i 

have 2 young children one of which is still in day care. I was approached by this 

company and convinced that they would lower my monthly payments and after 10 

years my loan would be forgiven. They did not mention that it only applies to people 

working in non-profit occupactions. They knew my occupation and decieved me. I 

have been enrolled in this program for a little more than a year. Last week I cancelled 

my membership and took back control of my loan through Navient as well as ceased 

the monthly debits from my checking account. When I told them about what i had 

learned they dismissed it as the FTC sued them and they sued the FTC, hence the 

suits are going nowhere. In addition, when i asked how much they have applied 

toward my student loan debt she responded that they help to service your account by 

putting you in an income based repayment plan when in fact they are filing paperwork 

with Navient to forego payment under these pretenses with the hope that in 10 years 

the Education dept will forgive your loan (in 20-25 years). I feel ashamed that I made 

such a stupid decision because I could have paid back over $2,000 toward my loan on 

my own. I have sucessfully paid back all of my other loans to Sallie Mae/Navient and 

HESAA. This burdensome amount of $32,000+ was the anchor truely keeping me 

from being able to give my family a better life because I could be saving this money 

and putting it toward a mortgage for our future. Sometimes I wonder if it was truely 

worth going to college in order to deal with the massive debt accumulated in the 

aftermath. Please let me know if there is any way we can recover this money paid to 

this fraudulent company. Thank you.

1448 98487621 08/01/2018 Ameritech

Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. 

She has sent them money and they have not paid any student loans. Consumer saw 

an ad for Ameritech online and has paid them a great deal of money

1449 98493339 08/01/2018 Ameritech Financial

The consumer received the letter from Ameritech Financial. The consumer had 

received a mailing saying her student loan payments could be reduce. Consumer has 

paid 14,076 dollars and nothing was done to reduce her student loan payments. 

Consumer has called said company and was told some one would get back with her 

but no one has.

1450 98493420 08/01/2018 AmeriTech Financial

Have paid Ameritech iver $3200 to ensure my student loan debt is forgiven in 5 years. 

this amount could have been paod on my student loans and every year i have to get 

recertified. Feel like my loan balance has not gone down and after 2,5 years i dont see 

Navient forgiving my loans. Feel Ameritech is deceptive in yheir practices and 

providing false hope to people like me with kids are college bound who cant afford to 

pay off student loan debt, let alone send her kids to college.

Ortiz Attachment A - 329

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 330 of 511
Page 330

# Reference Number Complaint Date Company Name Complaint Info Comments

1451 98500288 08/01/2018 Ameritech Financial

I had been receiving flyers from this company for over a year so I decided to call and 

see what they were about. I was skeptical so I had already looked up the website and 

decided that I would only sign up if it seemed legitimate. I talked to a man named 

Byron Farrell. He immediately began asking a lot of questions about my personal 

information that I wasn't comfortable answering over the phone. I voiced my concerns 

and was reassured that the company was legitimate and backed by the better business 

bureau. He sent me an email from the company at that time confirming this and 

stating that ameritech aims for honesty and transparency. I should have hung up, but 

had already given more information than I wanted so I felt I needed to follow through 

and make sure it was legitimate. After being on the phone several hours and 

attempting to go through emails that were being sent to me with an active toddler on 

my hip, the phone call ended and I attempted over the next few days/ weeks to 

navigate all of the paperwork that I was sent to see if it was a good fit for me, only 

realizing then that I no longer had a choice... I was already signed up and they began 

making changes to my accounts. I felt nervous and frustrated that I was no longer in 

control. I wanted to get out of the deal, but I felt that I was in too deep and they had 

already messed with every account associated with my loans. When I noticed that I 

was paying a fee for someone to "manage" my accounts, I called to see if I could stop 

the subscription for that service. I was told that I could not get out of it and I would be 

paying them $99 a month as long as I have loans. I'm still not sure why the first year 

was $210 a month. I have been extremely frustrated that I was enrolled into all of 

these things without even realizing it. I still wish I would have just hung up or never 

called. Here we are every year and they contact me to provide paperwork a few weeks 

after the department of education contacts me for the same paperwork. I have now 

stopped dealing with "the middleman"- ameritech and would prefer to provide my 

paperwork directly to the Department of Ed. I have voiced this to the people at 

ameritech who contact me non-stop to provide this paperwork and they simply say to 

have a nice day. I am frustrated to say the least! My loans have only increased in total 

due and I have paid over 4,000 to a company that does nothing for me, but lock me out 

of my accounts!

1452 98500506 08/01/2018 Ameritech financial

Ortiz Attachment A - 330

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Page 331

# Reference Number Complaint Date Company Name Complaint Info Comments

1453 98522551 08/01/2018 Ameritech Financial|Ameritech 

Financial|Lock Haven University

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I signed up with Ameritech in February of 2016, 

after receiving a letter in the mail. They told me for a fee they would enroll me in a 

payment plan based on my income for my federal loans. After ten years of being in the 

program they said all my federal loan debt would be forgiven and forgotten. I signed up 

for the program paying $257 dollars for 6 months. After that it would be $99 a month 

based on my income. I remained in the program until a received a letter from the 

Federal Trade Commission saying Ameritech was lying and deceiving their customers. 

I called Ameritech to ask for a refund of my money. I was told by the person in 

customer service that the allegations against them were not true and they had already 

filed two lawsuits against the Federal Trade Commission. I told them I did not care and 

just wanted my money back. I was told at that time no refunds were going to be given 

back until after the court hearing. I'm at a stand still right now with the whole process. I 

just want my money back so I can try to rebound in life and financially. --- Have 

contacted: CC Issuer --- Fair Resolution: A full refund and to make sure these assholes 

are shut down, and cant do this to another person ever again. --- School Unit ID: 

 --- School OPE ID: 

1454 98522949 08/01/2018

Ameritech Financial|Ameritech 

Financial|Heald CollegeStockton

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I have an account with Ameritech financial, 

from 8/2016, which I am informed, doesn't apply payments to student loan. I received a 

letter from the FTC, on how to correct this, with the possibility of a refund of payments 

to them. --- Fair Resolution: Refund of my payments, with fair due process. --- School 

Unit ID: --- School OPE ID: 

1455 97597391 08/01/2018 Ameritech

The consumer wanted to file a complaint against Ameritech Financial for misleading 

their on their student loan process. The consumer stated that he paid the company 

$3600 over the course of two years. Update 071618: Consumer was explained the roll 

of the FTC. UPDATE 08/01/2018: Consumer called to know an update. 

1456 97614243 08/01/2018 Ameritech Financial

Consumer received a letter from Ameritech Financial offering to reduce his student 

loan debt. Consumer was asked to verify information regarding his student loans and 

bank account information to set up a payment plan. Consumer did comply. UPDATE 

08/01/2018: Consumer is wanting to get an update about the case. Consumer was told 

by Ameritech they would not issue her a refund.

Ortiz Attachment A - 331

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 332 of 511
Page 332

# Reference Number Complaint Date Company Name Complaint Info Comments

1457 97985707 08/02/2018 Ameritech Financial

Consumer is calling on regards to a letter received by the FTC about Ameritech 

Financial. Consumer reports that Ameritech Financial have promised to enroll 

consumer into a government program that they claimed would permanently lower 

monthly student loan payments for a loan forgiveness. Consumer reports that she was 

contacted by her lender to know why she was not paying towards the student loan 

balance. Consumer reports that they keep charging $85 monthly.

1458 98128391 08/02/2018 Ameritech Financial

Consumer states she would file a complaint against Ameritech Financial. Consumer 

states she might have received a letter and phone call from Ameritech Financial 

offering to lower her student loan payments and told her that partial amount would be 

going towards her student loan. Consumer states they requested that she pay an up 

front fee of unknown amount and about $100 a month. Consumer states she does not 

remember how much she has paid them because she needs to look at her bank 

statement. 08/02/18 UPDATE: The consumer is adding the dates and dollar amount 

with Ameritech. She had 168. removed per month for a total of 1,348.00

1459 98507709 08/02/2018 Ameritech

I received a text mentioning student loan forgiveness programs. I called back, and 

they told me I could cut my payments in half if I signed up with them. I would have to 

pay $99/month to them for assisting me with lowering the payments. The first couple 

of months the fee was a little over $200 to cover other fees/costs, I cannot remember 

the exact amount. I received emails every once in awhile saying that my Navient log in 

information changed. I always thought that was a little strange, but I was working 

nights and I have two little girls. So, I let it go. I forgot about it until I received the letter 

from the FTC saying that there was a lawsuit. I called to cancel my membership and 

am now filing this complaint.

1460 98513372 08/02/2018 Ameritech Financial

Starting on July 11,2016 I started making payments to Ameritech Financial to lower my 

student loan debt! I was told that there was a fee included in the amount I was paying 

to pay for services of help with my student loan debt. After paying for about seven 

months I began to see that there wasn’t anything happening with the amount of my 

student loans. I called to speak with a representative. I was told that I wasn’t finished 

paying the fees for this service and I had 2 more payments to make. So I continously 

made payments until July 17, 2017. It had been a year and I called to cancel my 

services with the company. There had not been any changes in my debt. I also felt as if 

I was loosing money that I more than likely couldn’t get back without an attorney. I 

didn’t have the money to pay for an attorney and I was also planning to go back to 

school after sitting out for a year and a half. This occurence did take a toll on my 

finances.

Ortiz Attachment A - 332

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Page 333

# Reference Number Complaint Date Company Name Complaint Info Comments

1461 98513401 08/02/2018 Ameritech|Premiere Student 

Loan Center

Consumer is calling to report that she contacted Ameritech for their service to help 

consolidate her loans. Consumer contacted the company and set up payment plans 

monthly. Consumer states that she went through the same process with another 

company named Premiere Student Loan Center.

1462 98513774 08/02/2018 Ameritech Financial

Consumer rcv'd a letter about FTC v. Ameritech Financial. Consumer has been paying 

Ameritech Financial every month to resolve their student loans, but Ameritech has not 

been fulfilling the terms of the contract. Consumer agreed to a contract. but isn't 

certain of the details. Consumer has paid them $100 for about a year, but knows there 

was more that she paid on top of that as well.

1463 98513893 08/02/2018 Ameritech Financial

 Consumer left a voicemail in regards to a letter she received from 

the FTC about an unknown company. During the call back the consumer stated that 

the letter was in regards to the FTC v. Ameritech Financial lawsuit and the consumer 

contacted the company to request a refund but was denied. Consumer states that she 

responded to a mailing from the company offering lowered student loan payments and 

then eventually loan forgiveness. Consumer reports paying the company approx. 

$2000.

1464 98524182 08/02/2018 Ameritech Financial

I've never done anything with loan forgiveness before, and I was contacted by 

Ameritech Financial. I spoke over the phone with the Senior Enrollment Specialist 

named, Trisha Caspillo. They told me that they would draft $108 from my account 

every month until a certain amount. They said my debt would reduce about $20,000. 

So, another connected service called, Reliant Account Management or RAM for short, 

has been drafting money from my account every month. I received a mail recently from 

the FTC regarding this matter, so I am taking every step possible to get my money 

back and help aid in the lawsuit against Ameritech Financial. Thank you.

1465 98524508 08/02/2018 Ameritech

Consumer received a letter from, FTC. They stated their filling a lawsuit, against 

Ameritech. Consumer found out that, they haven't been paying, off their loans. 

Consumer wants their money back.

1466 98532474 08/02/2018 Ameritech Consumer got a letter from FTC about the Ameritech lawsuit and consumer wanted to 

file a report.

1467 98542758 08/02/2018 American Financial Benefits 

Center

Starting in July 2015 thru Oct 2015 we paid 249.00 each month. After that we have 

been paying 99.00 a month up to July 2018. My student loan balance never went down. 

When I started I think it was close to 28,000.00 now its over 31,000. I have paid over 

3,000 thinking this was paying down my debt. I receives the FTC letter about law suit 

and learned what was going on and it wasn't what I thought or was sold..I was told 

once I paid approx half of the debt the rest would be forgivien via a goverment 

education program. My student loans are though Great Lakes acct# . If it 

matters I am still UNDER EMPLOYED and work only 4 days a month as a cancer 

survier.

Ortiz Attachment A - 333

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 334 of 511
Page 334

# Reference Number Complaint Date Company Name Complaint Info Comments

1468 98542954 08/02/2018 Ameritech Financial|Global 

Client solutions

I was reffered to Ameritech Financial (AFT) by a friend in the spring of 2016. I was 

trying to get in the Public Service Loan Forgiveness Program anad repeatedly had 

trouble getting in to the program. I had been working at a charter school by the name 

of Quantum High School. It was managed by Accelerated Learning Solutions. I 

explained to the customer service staff at ATF that my school may have been a for 

profit school and that I hoped they could help me. I told them that if they could not get 

me in the program I did not need their help. After many weeks of them asking me for 

my logins and passwords for various websites, and me allowing them to draft money 

from my bank account $1528. to be exact, they could not get this school teacher into 

the PSLF program. I mostly worked with Kristina Sciortino. They first had me working 

with Marissa but she contiously called me during the school day while I was working so 

I refused to work with her and asked for another customer service rep. That is how I 

ended up with Kristina. After realizing that she was not going to be able to get me in the 

PSLF program, Kristina arranged for 50% of my money to be refunded to me. $764 

was returned to my bank account. The other $764 was kept for fees. The money end 

of the deal was arranged through Global Client Solutions. This company seemed to 

hold the payments. I requested a "shut off and cease all billing" from both companies; 

AFT and Global Client Solutions in aproximately August of 2016. I last spoke with 

Kristina S.on Aug. 29th, 2016. She told me to expect a refund in 7-10 days.

Ortiz Attachment A - 334

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 335 of 511
Page 335

# Reference Number Complaint Date Company Name Complaint Info Comments

1469 98562204 08/02/2018 Ameritech Financial|Ameritech 

Financial|University of Denver

CFPB Issue Type: Struggling to repay your loan | Can't get other flexible options for 

repaying your loan --- What Happened: I received mailings from Ameritech Financial 

stating that they could help lower my monthly student loan payments by filing 

paperwork with my loan servicer for Income Driven Repayment. From what I 

understood, I would pay an initial fee to Ameritech for them filing the paperwork, and 

then they would make payments on my behalf directly to my loan servicer. I began with 

Ameritech on 1/27/2016 and they withdrew their first installment of $257 on 2/26/2016. 

They made 5 more withdrawals of $257 on 3/28/16, 4/26/16, 5/26/16, 6/27/16, 7/26/16 

for a total of $1,542. They then withdrew $99 for the next 18 months for a total of 

$1,782 with the last payment being on 1/29/18. I cancelled payments at this time 

because I kept getting emails from my loan servicer stating that I had payments due. I 

was not satisfied with Ameritech "paying" my servicer because I thought they were 

making late payments. At the beginning of July 2018 I received a letter stating that 

Ameritech does not make payments on my behalf to my loan servicer. I logged into my 

loan servicer online and found out that because no payments were being made by 

Ameritech, $5,241.82 was capitalized to my loan on 11/2/17. I am filing a complaint 

because I believe that Ameritech was deceptive in how they advertised their loan 

repayment services and not only took money for services they were not completing, but 

caused me to have more than $5,000 capitalized to my loans for nonpayment of 

interest. --- Fair Resolution: I am filing a complaint because I believe that Ameritech 

was deceptive in how they advertised their loan repayment services. I would like a 

refund of the $3,324 they withdrew from my account in addition to $5,241.82 that was 

capitalized to my principal loans on 11/2/17. Total payment requested: $8,565.82. --- 

School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 335

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 336 of 511
Page 336

# Reference Number Complaint Date Company Name Complaint Info Comments

1470 98562875 08/02/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: On or about May 2016 I received cards in mail 

received them prior, never paid no mind to them I received one that said third notice, 

called number that was on card spoke to a Dan Hamilton on the line, verified my 

information, they explained how the student forgiveness program works, what I would 

have to pay and so forth. At this point I was already struggling financially so I had to do 

something, before the the Department of Education and (illegible) providers for student 

loans came after me for payment. So I went through the process with Ameritech 

Financial. So, at this point I had no internet access or computer. The first thing the 

gentleman I was speaking with at Ameritech Financial (Dan Hamilton) was to collect 

my information about my student loans, got on Federal Student Aid Site (FSA), I wasn’t 

sure at the time when he accessed my information on the student loan aid, that he also 

changed my username and password, only learned after receiving letter about the 

lawsuit against Ameritech Financial with the Federal Trade Commission. Mr. Dan 

Hamilton said I had to get to a computor to E-sign some documents, so went to my 

local library, --- Have contacted: CC Issuer --- Fair Resolution: A fair and simple 

resolution is to give the monies they took from me and the consumer, and to make 

sure that this Business practice is in good understanding with the Department of 

Education and our Government.

1471 97353208 08/02/2018 Ameritech Financial

Consumer had emailed President Obama Consumer has enrolled for membership with 

Ameritech Financial to help with her student loan payments. She has been paying for 

at least two years and her Fed Loan payments had not changed. UPDATE: 07/02/2018 

Consumer called to add further information stating that she tried to call Ameritech but 

was not able to get through to anyone at their office. The call eventually goes to a busy 

signal after about 3-4 minutes. echosign.com melissa.orloff@ameritechfinancial.com 

 UPDATE 08-02-2018 Consumer is calling to follow up on her report. 

1472 98549503 08/03/2018 Ameritech

Consumer is calling to be including in the suit filed against Ameritech. Consumer said 

she did not know that Ameritech was pocketing her money that was set aside for her 

student loans.

1473 98556831 08/03/2018 Ameritech Financial

Consumer is calling because he received a letter from the FTC about the Ameritech 

Financial case. Consumer states that for the first few months he was being charged 

and was contacted by his loan servicer telling him that they where not receiving 

payments towards his loans.

1474 98557006 08/03/2018 Ameritech Financial

Consume reports she has a membership with Ameritech Financial and paid them 

around $1,944 in total, she was told they were going to help her forgive her loan but 

she just recently found out about the lawsuit we filed against them and does not know if 

they have been helping her at all.

Ortiz Attachment A - 336

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 337 of 511
Page 337

# Reference Number Complaint Date Company Name Complaint Info Comments

1475 98557088 08/03/2018 Ameritech

Consumer calling stating that he received a letter from Ameritech Financial stating that 

the company failed to deliver on their promises to enroll people into government 

program that they claimed would permanently lower month loan payments.

1476 98557618 08/03/2018 Ameritech

Consumer is calling to report she received a letter from the lawsuit against Ameritech. 

Consumer states she contacted Ameritech and asked for a refund and she was told 

the allegation were false. Consumer has been paying $133 a month.

1477 98566834 08/03/2018 Ameritech Financial 

I heard about Ameritech Financial from a friend and thought they were a legit company. 

I checked their rating with the Better Business Bureau and they were an A rated 

business. Seeking some relief from my student loan payments I reached out to them 

for help. They were quick to get me registered into their "program." Recently I received 

a letter in the mail from the Federal Trade Commission letting me know they were 

suing Ameritech for Deceptive practices. I was shocked and dissapointed to here this. I 

would like help getting my money that I lost back and finding an appropriate program 

for my student loans. I am a Veteran that now works in Federal Law Enforcement and I 

am extremeley dissapointed and feel taken advantage of.

1478 98606388 08/03/2018

Ameritech Financial|Ameritech 

Financial|Virginia 

Commonwealth University

CFPB Issue Type: Struggling to repay your loan | Problem lowering your monthly 

payments --- What Happened: I have been paying ameritech financial a 108$ a month 

since January 2018 to find out that they are not going towards my student loans. I 

asked for a refund but they said they are not doing them right now. --- Fair Resolution: 

Im looking for a refund on what i have already paid. Possible loan forgiveness for time 

loss would also be appreciated. --- School Unit ID: --- School OPE ID: 

1479 97605355 08/03/2018 Ameritech Financial

Consumer is calling on regards to a letter received by the FTC about Ameritech 

Financial. Consumer reports that Ameritech Financial have promised to enroll 

consumer into a government program that they claimed would permanently lower 

monthly student loan payments for a loan forgiveness. Consumer reports that when 

she contacted them they informed the caller that president Trump is offering a 

government program to help refinancing of student loans and 50% of loans were given. 

Consumer has called back for a refund and is directed to leave a message. Consumer 

reports that they have viewed her taxes return. UPDATE: 07/17/2018 Consumer called 

to add more information. Call disconnected. . UPDATE 08/03/2018 

Consumer is calling to ask if she if she can mail in more information

Ortiz Attachment A - 337

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 338 of 511
Page 338

# Reference Number Complaint Date Company Name Complaint Info Comments

1480 98591356 08/04/2018 Ameritech Financial

I was contacted by Ameritech Financial about loan consolidation for my student loan 

debt. I was made to believe by the representative from Ameritech, Bill Clark, that by 

using their services, they would be handling my loans. Not once was it mentioned that 

they do not make payments on my behalf or that the only service they provide is 

document preperation. The contracts that I signed was vague and did not specifically 

state that that is the only service they provide. I was made to believe that they were a 

government authorized debt consolidation company. When discussion with the 

Ameritech representative Bill Clark, I was told that by using their services, I would be 

saving $19,200 on my debt total. I was told that I would pay $119/month ($1,425/year) 

for 20 years thru their program to acheive this. I was never made aware that my 

payments were only for membership with their company until I recieved a letter from 

the FTC informing me of the pending lawsuit against Ameritech. I have since canceled 

my contract with Ameritech, and was told that they would not even consider a refund of 

any amount. My credit score has since also been impacted and has dropped by 52 

points.

1481 98596457 08/05/2018 Ameritech Finanial

When they contacted me they said the 132.00 per month was going toward my student 

loan. I was unaware that this was a fee for their services? I could of called great lakes 

myself and they would of worked with me on the payment amount per month. This 

company is a fraud company taking money out of people that have nothing. I should of 

know they were a scam artist taking advantage of people by not telling the truth of 

where my funds were going.

1482 98596524 08/05/2018 Ameritech Financial

i was told they would help me pay off student loans at a lower payment. i paid them 

292.00 for 11 months then they lowered the payment to 99.00 and have paid that for 

going on 2 years. They asked me to falsify information which I did not do, but was told 

if I did they could get payments even lower or down to zero. I now find out all the 

money I have paid to them was for nothing as my student loans are now more than 

they were before I started.

1483 97828225 08/06/2018 Ameritech Financial

The consumer is calling in regard to Ameritech Financial. Consumer states she was 

told she had to pay an upfront fee, plus monthly payments which started in 2017. 

Consumer is calling after reading the education regarding the loan forgiveness 

program through Ameritech Financial. UPDATE 08/06/2018: Consumer has requested 

them a refund but they did not provide that.

1484 98596932 08/06/2018 Ameritech

I have paid $108 monthly since the beginning of year. It was my understanding that it 

was a student loan forgiveness program. I received . letter from FTC and am working 

on cancelling my relationship with AmeriTech and figuring out my student loan and 

options. thank you for letting me know!

Ortiz Attachment A - 338

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 339 of 511
Page 339

# Reference Number Complaint Date Company Name Complaint Info Comments

1485 98604145 08/06/2018 Ameritech

The consumer received a letter from the FTC dated 6/27/18 regarding the lawsuit that 

is to be taken against Ameritech, a debt management company he is using for his 

student loan. The consumer states that he only found out about the issue with the 

company when the letter was received. The consumer states that paid at least $1000 

initially and then additionally monthly payments. The consumer called the company and 

states that he was asked to pay more funds, but does not remember the specific 

amount.

1486 98604205 08/06/2018 Ameritech

Consumer received a letter from the FTC concerning the case against Ameritech. The 

consumer found out about them after receiving a letter from the company, claiming that 

they could help pay off the consumer's student loan. They called the consumer initially, 

claiming that they could help the consumer if she paid them ten payments of 231 

dollars, and then 99 dollars a month. The consumer complied. Consumer found out 

later that none of that money went to her student loans.

1487 98604546 08/06/2018 Ameritech

Consumer reports that she got a letter from FTC concerning the Ameritech lawsuit. 

She has sent them money and they have not paid any student loans. Consumer 

receved a letter from Ameritech offering loan forgivness and has paid them a great 

deal of money

1488 98615942 08/06/2018 Ameritech

Consumer has rec'd an FTC v. Ameritech letter. Consumer started receiving mail from 

Ameritech. She finally contacted them and was told they could help reduce her student 

loan. She has been paying them for services for a year through Reliant Account 

Management. They have not been making payments on her loan. She called to 

request cancellation and a refund. They cancelled her enrollment and then hung up on 

her.

1489 98621808 08/06/2018 Ameritech Financial The consumer received a letter from FTC in regards to Ameritech Financial. Consumer 

states he has been in service with for over 10 months.

1490 98622239 08/06/2018 Ameritech Financial

I received a letter from the FTC letting me know there is a lawsuit against Ameritech 

Financial and informed me to add my name to the complaint. We have been paying 

Ameritech since 04/2016

1491 98627679 08/06/2018 Ameritech Financial Consumer received a letter from Ameritech Financial offering to reduce her student 

loan debt. Consumer was asked to verify information regarding her student loans, her 

SSN, and bank account information to set up a payment plan. Consumer did comply.

Ortiz Attachment A - 339

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 340 of 511
Page 340

# Reference Number Complaint Date Company Name Complaint Info Comments

1492 98628207 08/06/2018 AmeriTech Financial

I responded to a letter I received in the mail from AmeriTech Financial and I spoke with 

an Account Specialist named Tim Robbins. He talked about lowering my monthly loan 

payments and how after 10 years my loans can be forgiven. He shared with me that 

they had an A+ rating on BBB, so I thought I'd keep the discussion going. Initially, he 

said they would be able to handle all my loans and when comparing numbers I saw 

that using them would be very helpful. Starting in January 2016, I paid $407 for the first 

three months (upfront fees) and then $99 after that. In the beginning, I realized that 

one of my loans wasn't being handled by their services, so I addressed it with Tim 

Robbins. He informed me that it was a private loan and that they don't handle private 

loans. I told him that I was misled then because when comparing numbers and sharing 

with Tim Robbins the loan companies I had, he assured me that ALL of my loans were 

being put through their process. He explained that even though they can't handle my 

private loans I'll still save money with the loans they are handling. They somehow were 

able to get my payments to $0, so $99 was their service fee. I decided to stick with it 

since I already paid the first month of upfront fees and I signed all the paperwork. 

Finally in January 2018, I cancelled my services with them because I believe they were 

putting false information on my behalf. Before cancelling in 2018, I found out that I 

could do the loan forgiveness program on my own, so I decided to test it out. When I 

filled out one of the questions on the online form a window popped up saying that I'm 

changing my answer from previous years. The answer I put in online was correct and 

should have been the correct answer in previous years. That gave me the confirmation 

I needed to stop using them. Now that I'm back to doing my loans on my own, my loan 

amount has INCREASED and I'm back to paying off my loan as if I just put it on pause. 

Using Ameritech did nothing for me! I pretty much picked up where I left off, just now 

I'm paying more money and I am out $3399. If I could get any amount back I would 

greatly appreciate it.

1493 98653334 08/06/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I had made payments to a company called 

Ameritech Financial. I called about a couple months ago to cancel my agreement with 

them. However gave me hard time. I was told the money was used to my student 

loans. There was no such payments made. There was a notice submitted to me. --- 

Have contacted: CC Issuer --- Fair Resolution: Refunds me all the money given to the 

company. Promises made to help me make payments to mu student loan balance. 

False. Fraud...

Ortiz Attachment A - 340

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 341 of 511
Page 341

# Reference Number Complaint Date Company Name Complaint Info Comments

1494 98731620 08/06/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: My name is and I am writing you a 

formal complaint about Ameritech Financial andrelated company Financial Education 

Benefits Center Account, in regards to my student Loans.This company was a 

misleading program that led me to believe my payments were goingtowards paying off 

my student loans with Navient. The company set up payment plans with them 

wheneverything was free and assured me that my loans would be paid off after 15 

years if I stuck to thepayment plan they had set me up with. When in fact no payments 

went to Navient since Ameritech isnot a lending institution. --- Have contacted: CC 

Issuer --- Fair Resolution: I would like a full refund, include deposit, of all my payments 

to Ameritech. The total amount being $1942.00.

1495 98637811 08/07/2018 Ameritech

Consumer states that he received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states he was offered assistance with reducing 

his student loan from Ameritech. Consumer states that he was told if he paid $100 a 

month, they were able to forgive her loan. which he found out that no payment was 

going to his student loans. consumer wants to know how he can retrieve his money 

and where to receive additional information.

Ortiz Attachment A - 341

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 342 of 511
Page 342

# Reference Number Complaint Date Company Name Complaint Info Comments

1496 98637818 08/07/2018 AmeriTech Financial

In February of 2016, I received a letter from "Student Loan Department" in regards to 

"Student Loan Payment Reduction & Forgiveness". Due to my husband and my 

financial struggles, I decided to call the company. I talked to a Jack Gabrial on 2/22/16 

and he identified the company as AmeriTech Financial. He assured me that the 

program would save me that the program would save me so much money in the end. I 

completed the vast amounts of paperwork and paid $557.00 in March of 2016 and 

$557.00 in April of 2016 and then $99.00 a month, automatically deducted from my 

bank account, starting in May of 2016. I assumed that the $99.00 was going towards 

my federal student loan. Late spring or early summer I had inquired about why my 

interest of my student loan was so high and was informed that the $99 was not used 

towards that, it was their membership fee Upon asking about how my student loan 

was being paid, the customer service person said she couldn't answer that but 

someone would be calling me back. Due to playing phone tag, I was never able to find 

out the answer. Soon after, I received a letter from the FTC. Upon calling AmeriTech 

many, many times, I was always connected to a person at the answering service that 

took my info and told me that I would be getting a call back. Again, playing phone tag, 

I called one more time and gave Specific times that I could be reached. I received my 

next call from them during a time that I had not given. Feeling frustrated, I contacted 

the number on the FTC letter to cancel my membership. I spoke to a Brittney whom 

assured me that the membership would be cancelled that day (around the 24th - 26th 

of July) but that due to litigation they could not refund me my money. I feel like I was 

taken advantage of with this company and wonder what my $3,886.00 over 2+ years 

was used for.

1497 98643712 08/07/2018 Ameritech Financial

Consumer is calling to file a complaint against Ameritech Financial. Consumer states 

he paid a total of $400.Consumer states he contacted the company to consolidate his 

student loan debt. Consumer received letter from FTC regarding the recent lawsuit that 

was filled against this company.

1498 98650958 08/07/2018 Ameritech Financial

Consumer reports they were contacted by Ameritech Financial regarding a student 

loan forgiveness program. Consumer reports they promised if they paid for 10 years 

their loan would be forgiven. Consumer reports they were paying at a rate of $200 a 

month.

1499 98651004 08/07/2018 Ameritech

Consumer is calling to report that he received a letter from the FTC about Ameritech. 

Consumer received a letter from Ameritech stating that they could help consolidate his 

student loans. Consumer called and set up services with them. Consumer paid a total 

of 1800 dollars by having the amount taken from his checking account.

Ortiz Attachment A - 342

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 343 of 511
Page 343

# Reference Number Complaint Date Company Name Complaint Info Comments

1500 98651092 08/07/2018 Ameritech

. This company reached out to me regarding student loan forgiveness. I was under the 

impression I was paying them monthly towards the balance of my loans that wasn’t 

forgiven. After speaking with them I was informed the $2,772.00 collected was only 

paying for their services and nothing was ever applied nor will be applied towards loan 

forgiveness. They also mentioned they needed to obtain more information from me of 

which they did not receive so they couldn't’t proceed with my account. Meaning they 

just knowingly collected my money on a monthly basis with no intentions of assisting 

me in any way. If it wasn’t for a lawsuit letter received I would have never known how 

much of a scam this company is. Not to mention they refuse to refund me any money 

for not providing any services. Other-Other Update

Ortiz Attachment A - 343

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 344 of 511
Page 344

# Reference Number Complaint Date Company Name Complaint Info Comments

1501 98651212 08/07/2018 Ameritech Financial

My HR Manager from my past employeer referred me to Ameritech. She informed me 

she had not too long ago enrolled to participate in the student loan forgiveness 

program herself. Because I have known her for a number of years, I trusted her 

judgment, so I gave the company a call. I was told yes the company can assist me with 

enrolling in the student loan forgiveness program. I was told I would have to agree to 

enroll in their automated debit withdrawal payment program RAM (Reliant Account 

Management) and the payments withdrawn from my bank account would be collected 

in an escrow account to show good faith on making my 120 qualifying payments for the 

repayment of my student loan. Months later, I receive the notice from the Federal 

Trade Commission regarding a lawsuit again Ameritech Financial reparding deceptive 

practices as it related to student loans and the student loan forgiveness program. I 

contacted Ameritech by phone immediately. I was told a message would be relayed to 

the department that handles this type of request to cancel an account, and a 

representive would call me back. After the second attempt to speak with a 

representative about closing my account with Ameritech, I send Ameritech a letter at 

the address they provided for their complaint department requesting my account to be 

closed and that I no longer give Ameritech permission to contact or do business with 

any agency on my behalf as it relates to my student loan and the student loan 

forgiveness program. I received no acknowledgment of my letter mailed to the 

complaint department. Therefore, I called the agency for a third time, and finally got a 

call back from a representative. I requested my account to be closed and to get a full 

refund of my money in the amount of $957 that was withdrawn from my bank account. I 

was told the company will close my account, and that the company will not be 

refunding any money. According to the contract that I was originally mislead on, it 

indicated I would pay Ameritech $800 in fees. I paid $957. I asked for the $157 

overage and was told Ameritech will not be issuing out any refunds. I am appauld that 

Ameritech is getting away with misleading people like this. My hard earned money 

should have been going towards my student loan, like I was mislead to believe. I am 

sick of the thought of losing $957. I hope the lawsuit is successful at putting an end to 

this type of theft and deception. Please add my case to the lawsuit. I want my money 

back. Thank you.

1502 98658096 08/07/2018 Ameritech Consumer states that he received a letter from FTC VS Ameritech stating that he 

should call us to enter his report.

Ortiz Attachment A - 344

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 345 of 511
Page 345

# Reference Number Complaint Date Company Name Complaint Info Comments

1503 98658461 08/07/2018 Ameritech Financial

When I contacted Ameritech regarding their services, the way that they described it 

was that they would accept payment in exchange for refinancing and payment towards 

my student loans. To set up my account, I was on the phone for several hours with 

their customer service team and was transferred to and from the initial customer 

service representative and her supervisor more than a dozen times. I initially had a 

payment of $178 per month for 13 months, and after said 13 months, the monthly fee 

would go down to $99. Up to this point I have paid the company approximately $2500 

for nothing. I have called their customer service team on several occassions and 

waited more than a week to get a response back from an individual named AJ Joshi, 

who refused to give me a refund. I asked for a refund as suggested in the FTC 

complaint letter that was sent on the subject back in March. According to AJ, because 

the COMPANY determined that their activity was not fraudulent, I could not receive a 

refund. I tried to explain that due to the allegations against the company, it did not 

matter what the company determined, rather that there were concrete allegations and 

a lawsuit filed against their company and that as a consumer I was entitled to a refund. 

The company has up to this point placed financial hardship on me, as I had to make 

arrangements each month to ensure the proper amount of money was in my account 

to be withdrawn via automatic debit for services that never occurred. Further, the size 

of my loan has increased due to interest accruing while not being paid to the servicing 

company. The company has acted in bad faith in refusing to give me a refund.

1504 98658609 08/07/2018 Ameritech Financial

Consumer states that she received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. She had signed up with them about 2 years ago and she was told 

that she can pay them $10 a month. Once she did that for a period of time, they will 

qualify her for a forgiveness of the loans.

1505 98658785 08/07/2018 Ameritech

Consumer is calling to report that she received a letter from the FTC about Ameritech. 

Consumer received a letter from Ameritech stating that they could provide loan 

forgiveness. Consumer called and set up services with them. Consumer was paying 75 

dollars a month and then 50 dollars a month. Consumer does not know how much she 

paid but the payments were coming from her checking account.

Ortiz Attachment A - 345

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 346 of 511
Page 346

# Reference Number Complaint Date Company Name Complaint Info Comments

1506 98664027 08/07/2018 Ameritech Financial

I received a notice through regular mail about getting my students loans reduced or 

forgiven. I had just recently lost my 93 yr old Mom who I was primary caregiver to for 

13 years. Trying to get myself together, I contacted the 800 and received a return call 

from one of the representatives. We talked for a long time about the loans and how 

they could be reduced or forgiven and how easy it would be. I had the representative 

call me back at a later time becasue he saidhe needed copies of so many financial 

documents. After my Mother was funeralized and buried, the rep called back and we 

began the prcess of getting my information to him. It was my understanding that there 

was a small fee up front to pay for their services to consodliate my loans, provide a 

very small repayment amount for my loans, and get on a plan to make sure I could 

afford repayments to the loans based on my changing income or lack thereof. I 

thought the $82 payments were going in a fund to repay my loans once payments 

needed to begin. If I had not received the notice from you I would have never known 

that the money was going to them and they were not doing anything to reduce my loan 

amounts. Thank you for your notification. I cancelled their services effective 

imediately. Please stop them from doing these foul practices and taking advantage of 

people.

1507 98664659 08/07/2018 Ameritech Financial

Consumer states that he received a letter from the FTC regarding a lawsuit against 

Ameritech Financial. He signed up with them since January of 2018. He was told that 

they would be able to reduce his payments and all he had to do was pay his current 

servicer $10 a month. He realized it was a fraud.

1508 98664788 08/07/2018 Ameritech Financial 

Rebecca contacted me and I thought it was too good to be true. I was skeptical to the 

point where she put on her manager and sent me several articles, documents, etc to 

convince me that they were legit. I paid 4 payments of 200.00 to Ameritech Financial 

and next thing I knew, my Nelnet loan was paid off. It wasn't until I ran a credit report 

(after I received the letter from the Federal Trade Commision) and found out that Great 

Lakes owned my loan and that it was in an income deferment plan. The loan has 

grown around $700 in interest.TOPIC:Referrals

Ortiz Attachment A - 346

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Page 347

# Reference Number Complaint Date Company Name Complaint Info Comments

1509 98669970 08/07/2018 Ameritech Financial

Ameritech sent me numerous informational postal letters telling me that I needed to act 

fast, it was my final notice to qualify for loan forgiveness. I contacted them to seek 

additional information. They told me that I could pay them a monthly fee and be debt 

free of student loans in 20 years. The first month I paid them $177 and $157 for 20 

months after that. I then would have to pay $99 a month for the remainder of the time. 

Never once did they tell me that I could get these services for free. They made it sound 

like my payments were going toward my loans and what was left of the amount would 

be forgiven. After receiving the letter from the Trade Commission I tried contacting 

them numerous times about the matter. Their answering services continued to tell me 

that customer service was unavailable and to leave a message with them. When I 

finally was able to speak to customer service they told me the entire lawsuit was 

wrong. Ameritech told me that the letter from the Trade Commission was not a letter 

guaranteeing reimbursement of my money and they would not refund my money until 

they were found guilty. I asked for the customer service representative to cancel my 

membership on two different occasions and each time they wanted to argue about me 

doing so. I am furious that I was scammed out of over $3300 and want my money 

back; however, Ameritech says they did not scam anyone and they are a great 

business.

1510 98670082 08/07/2018 Ameritech Financial

I have documentation from three parties in this mess but still unsure how it all works. I 

*think* Ameritech sent me a very official looking paper in the mail about how their 

program "can potentially save you thousands on your student loans and prepare you 

for possible Total Loan Forgiveness through applying for available government relief 

options." Seemed legit. They then used a third party to pay what I understood was 

Great Lakes Educational Loan Services, Inc. That third party is Reliant Account 

Management, whom takes out $108 a month. That $108 supposedly pays Ameritech 

for their services which what I understood to prepare the correct documents using all 

my sensitive and private information and a cut goes to Great Lakes. Great Lakes has 

denied using any of the two aforementioned Companies. Reliant no longer has a 

contact number, but Great Lakes informed me my account was indeed set by me, but 

using all the info I gave to Ameritech, since I had never initiated contact wtih Great 

Lakes myself. Great Lakes also states I have a zero balance each month with the 

Department of Education- not Ameritech nor Reliant. The receipt I got from Great 

Lakes shows I owe more than the original amount of 28,000 due to accrued interest 

that I was definitely not aware of. What next?

Ortiz Attachment A - 347

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 348 of 511
Page 348

# Reference Number Complaint Date Company Name Complaint Info Comments

1511 98686452 08/07/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: I signed up with service with Ameritech services in 

March, 2017 so they could look into consolidating my loans under the Public Loan 

Service forgiveness program. I provided tax information, check stubs, income based 

repayment plan, public loan service documentation and other pertinent paperwork they 

said they needed to get me a fixed rate for my student loans. Ameritech said they 

would get all the information set up I would have to pay a fee to start the process and 

then additional money each month. I paid over $600 for there services and they never 

processed the paperwork to Fed Loan Servicing. They processed it to another 

company that indicated they do not handle Public Loan forgiveness and that I would 

have to get it set up through Fed Loan serving on my own. I finally cancelled their 

service in June, or July 2017 after not receiving any information from loan providers 

that they received any documents by Fed Loan Servicing. When I spoke with the 

person with Ameritech at that time they indicated they were not going refund me for 

there services as they felt they did there job. I spent months and months trying to get 

things set up racking up interest fees. Ameritech told me that they were going provide 

this paperwork to that provider and get me a set fee on my loans which was not true. 

That information was a lie and they scammed me. I eventually had to call Fed Loan 

Servicing and they indicated to me that I could have contacted them on my own and 

that many of these places like Ameritech scam people into paying money for services 

when it is something I could set up for myself. Ameritech never provided the services 

they committed to and at the end I am paying more monthly out of my pocket. I am 

upset with myself for trusting in this service providing personal information to them and 

never receiving any recourse or action for what they said they were going to do. I am 

asking to be reimbursed for all the fees I had to pay as well as the interest rates that 

were included for all the time I wasted when I could have set this service up on my 

own. --- Have contacted: CC Issuer --- Fair Resolution: A fair resolution would be 

Ameritech reimbursing me for the over $600 they charged me for a service they did not 

provide. I am also asking to be reimbursed for the interest rates I had to pay waiting 

on them to forward paperwork to the proper loan providers to fulfill the service they 

indicated they would grant me but never did provide.

Ortiz Attachment A - 348

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 349 of 511
Page 349

# Reference Number Complaint Date Company Name Complaint Info Comments

1512 98686489 08/07/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: Ameritech called me regarding my school loan, 

they said that they worked for the government and that they can negotiate my student 

loans at a low interest rate. They told me that they were able to take all my interest 

from my student loans and get them erased. They told me all I had to pay was the 

actual amount of the student loan. They were able to reduce my loan up $10,000 with 

the reduction. They told me they would take $50 and thereafter I told them not to take 

any money out until the next month to make sure I had it available. I have paid them 

about $500. They stopped the amount from coming out monthly, and I was under the 

impression that everything went through after I paid the $500. I was told that I had used 

the max amount of financial aid. I called financial aid with the Department of Education 

to ask if there was any fund available to use while currently in school. I received a letter 

from the FTC notifying me about Ameritech. I then figured out that the $500. Was 

never applied to my current student loans and then I tried to get a refund. I called 

Ameritech advising them that I received a notice about them and that the funds i paid 

never were applied to my loans. I was sent over to customer service to request a 

refund, customer service stated that what was in the letter was incorrect. The customer 

service representative stated that they have been receiving calls about this and that 

they would forward me to the appropriate department for a call back. I received an 

email shortly after advising me that nothing illegal was done with my student loans and 

they will look into it further and someone would give me a call. It has been over a 

month .Since I have canceled my membership I have been receiving calls asking me 

to resign up with them. --- Have contacted: CC Issuer --- Fair Resolution: I would like 

the money refunded that was paid to them. Thank you for your assistance in this 

matter.

1513 98686879 08/07/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I had made payments to a company called 

Ameritech Financial. I called about a couple months ago to cancel my agreement with 

them. However gave me hard time. I was told the money was used to my student 

loans. There was no such payments made. There was a notice submitted to me. --- 

Have contacted: CC Issuer --- Fair Resolution: "ALL"Refund me the money given to 

the company. Promises made to help me make payments to my student loan 

balance.False. Fraud...

1514 97597619 08/07/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $82 for the last eight 

months to cover their student loan consolidation services. He also had to pay a one 

time fee of $500. So far he has paid them $1156 which has not gone towards her 

student loan debt. He just received a letter from the FTC regarding action being taken 

against Ameritech. UPDATED: 8/7/2018 The consumer has contacted Ameritech and 

asked for a refund and this was declined. 

Ortiz Attachment A - 349

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 350 of 511
Page 350

# Reference Number Complaint Date Company Name Complaint Info Comments

1515 98358345 08/08/2018 Ameritech Financial

I had signed up for the PSLF program through Navient. A few weeks had passed and I 

got a phone call saying that they had noticed that I signed up for the program and that 

they were going to get me started in the program. They asked me for a bunch of 

documents (pay stubs, tax returns, w2s) and filled out an application again, faxed it all 

over to them and then filled out a thing about how many people I live with and how 

much money I made and how much I spend on bills and gas. After getting all that 

completed they told me that I need to pay a 1 time fee of $50 or so dollars to make 

sure that the bank information was correct but they told me that it will be going towards 

my loan. Then they had me set up a payment plan with fed loan for monthly payments 

which are $108 a month. Since then I've had $108 dollars taken out every month since 

March 2018. Got a letter in the mail saying that there is a lawsuit taking place against 

this company Ameritech Financial.UPDATE:08/08/2018 Consumer requested the 

status of her complaint. 

1516 98676855 08/08/2018 Ameritech

Consumer states that she has received a letter from us about the Ameritech scam and 

wanted to add her name to the list of complaints. Consumer did not have any monetary 

info available.

1517 98683489 08/08/2018 Ameritech

i am a social worker who does not make a lot of money here i thought i was paying off 

my loans. I have paid for over a year and want my money back. I cant afford interest 

and now im even further behind...

1518 98689812 08/08/2018 Ameritech Financial

1519 98695867 08/08/2018 Ameritech Ameritech refund: Consumer cancelled the bank draft because of the deception. 

Consumer lost $1500.

1520 98702167 08/08/2018 Ameritech Consumer states she got a letter in the mail from the FTC about Ameritech on 

06/27/2018. She signed up with Ameritech in 2015. She pays them 108 a month for 3 

years for a total of 3888 with auto-deduction and a one time of 800. 4688 is the total.

1521 98705828 08/08/2018 Ameritech Financial

I was with Ameritech for about 10 months. They were very helpful in the begining after 

that it was impossible to communicate with them, they would give me a run around 

keeping me on hold for long periods of time, when i did get through. They would send 

me email every week saying i needed to sign a updated Status form, They mislead me 

by saying that they would pay for my Student loan payments the first year would be 

200.00 and the following year would go down to 99.00 every month and towards my 

Student Loan Debt. they would go into my Student Loan Account and pretend to be 

me, saying they needed my password so they can get into the account. They lead me 

to believe they were helping me when infact they were a Scam!! I want All my money 

from them!!! Horrible expierence Ameritech Scam Company!!!

Ortiz Attachment A - 350

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 351 of 511
Page 351

# Reference Number Complaint Date Company Name Complaint Info Comments

1522 98706109 08/09/2018 Ameritech Financial

The amount I put down may have actually been incorrect, it was likely more. i noticed 

that my loan amount was NOT decreasing but didn't think much of it. When Nelnet, 

who I'm going through, told me that I didn't have to pay to be apart of the program I 

canceled Ameritech, which would've been around this time last year after laying them 

at least $2000. According to what Ameritech said, $100 would go towards the loan and 

$100 would go towards getting me in the program and that was over the course of a 

year... They dropped $100 off but Nelnet had already told me I wasted money with 

Ameritech.

1523 98712676 08/09/2018 Ameritech Consumer got a letter from FTC about Ameritech and consumer wanted to file a 

report.

1524 98712924 08/09/2018 Ameritech Financial

DNC EMAIL - Forwarded from the FTC to the DNC email box. Consumer did not give 

complete contact info. Consumer writes:"So I had heard about Ameritech being sued 

for false information and started to do research on it and see there is all sorts of 

compliments and issues with this company which puts me on edge because they’ve 

been handling my account for about a year now. Every month they withdraw $99.00 

from my bank account. I haven’t called to cancel it yet because I know there going to 

give me a hard time. I’ve tried once before to cancel it because I felt like it was a fraud. 

What they claim to do, I’ve done myself for years, but they gave me the story that I 

don’t know everything and they always have some type of loop hole to get past the 

system. They also told me I had to be in this program for 10-25 years depending on my 

job to receive the “Student Loan Debt Forgiveness” After reading your article and many 

others, what is the best routine to go here, can you please advise. I feel like I’ve been 

taken advantage and lost money I will never see again. "

1525 98719607 08/09/2018 American Financial Benefits 

Center

Consumer reported that she got into to contact with American Financial Benefits 

Center by mail. Consumer contacted them to find out more information. Consumer 

agreed to pay $800 a month from her bank account to help lower her student loan. 

Consumer found out that they are not lowing her student loans. Consumer stated that 

she received an email from American Financial Benefits Center. They told the 

consumer they are in a lawsuit with the FTC. They told her that she can contact them.

Ortiz Attachment A - 351

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 352 of 511
Page 352

# Reference Number Complaint Date Company Name Complaint Info Comments

1526 98719757 08/09/2018 American Financial Benefits 

Center

I recently became aware of the FTC suit again the American Financial Benefits Center. 

I fell victim to them and the complaints that are stated were also the same things that 

had happened to me as well. I was led to believe that my monthly payment would 

contribute towards my debt. It didn't. All they did was request a forebearance of 

payments for six months. I didn't even know my loans were in forebearance. I believed 

that I was making payments via the payments made to AFBC. When I started getting a 

bill again from my student loan servicer, I instantly thought something was suspicious. I 

called and threatened to quit the service. They apologized for the 

"confusion" and proposed lowering my bill to $50 a month to retain their 

"services". I agreed to this for some time but eventually, I realized that they 

weren't doing anything that I couldn't already do myself so I stopped making payments. 

I wanted to let the FTC know about this since there seems to be an established pattern 

here. I would definitely like to know if there is some sort of compensation available 

should the FTC win this suit. Other-Other Update

1527 98719887 08/09/2018 Ameritech Financial Consumer states she received a phone call from AmeriTech Financial to help her with 

student loan forgiveness, consumer paid 1000 via bank account.

1528 98735501 08/09/2018 Ameritech Financial

The consumer received a letter from FTC indicating lawsuit against Ameritech. 

Consumer states he was making payments with them for 5 months. Consumer states 

they issued him a full refund. Consumer was referred to FTC.GOV

1529 98735752 08/09/2018 American Financial Benefits 

Center

Consumer states that she received an Email from American Financial Benefits Center 

stating to be suing FTC.

1530 98736151 08/09/2018 Ameritech Financial

I was told that the money I was paying Ameritech would go toward my student loans 

and that my loans would be forgiven after 3 years of on time payments, I have paid 

179.00 for almost a year and none of this helped with my student loan. Other-Other 

Update

1531 98740992 08/09/2018 Ameritech Consumer reports she received a call and offering to lower the interest rates on her 

Student Loans. And charged her $100 per month.

1532 98741576 08/09/2018 Ameritech Financial

My federal student loan minimum payment had ballooned to $230 a month after a 

slight increase of household income apparently bumped my IBR into a new bracket. 

Unfortunately this increase was not in our budget even with the slight increase in 

income so I finally called the number for student loan releif I had been getting texted for 

months prior. They told me I could get my monthly payments down to $99 a month 

after an upfront fee of $800 spread out over 6 months. They told me up front that the 

point is to get the loan forgiven, not repaid. Considering the reduced payment and the 

shadow of an unaffordable minimum payment looming I decided to go with them. Since 

the first 6 month of $188 payments I have been paying $99 montly. In hindisght I see 

this for the mistake that it was and am looking to cancel their service and do all my 

loan financing myself.

Ortiz Attachment A - 352

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 353 of 511
Page 353

# Reference Number Complaint Date Company Name Complaint Info Comments

1533 98741641 08/09/2018 Ameritech

When i was contacted by Ameritech and was explained that they would enroll me into 

the loan forgiveness program in order to track my years of qualifiying payments and 

optimize my payment opportunity. I was explanied that the payments made would 

partially go to the loan servicer and to Ameritech. they told me that it would a small fee. 

later I looked at my loan information and seen there were no payments being made on 

my behalf and in fact my monthly payments was $0 a month. After several phone calls 

and a few unclear explanations i was eventually told no they were not making 

payments on my behalf and all the payments were going to them to do paper work. I 

was given a very snobb remark with a snicker oh it says it in the contract, and it does 

not state how any monies given to Ameritech is being allocated. I have paid over 

$3,300 to this company believing they were managing my loans in the name of tracking 

my progress for the loan forgiveness ($172-$99 a month). There was absolutely no 

explanation of the fees being charged. They asked me for access to all of my public 

loan servicers including to the federal student loan site.

1534 98753687 08/09/2018 Ameritech

The company's sent several letters first. I call them to ask abot the program just to 

learned and be informed, after that I started recieving a lot of phone calls. At the 

begining they left masseges, but it hapen that I answered and they tried to convinced 

me to sing up for loan forgiveness. I was hesitating, I asked several questions because 

I was unsure to sing up. After several phone call I decided to consolidate all my 

students loans with them. One of the first questions that I did ask SEVERAL times was 

if part of my monthly payments ($180.00) was going to go toward paying my student 

loans; and every single time the representative reasured that that will be the case. 

They made a mistake in my aplication and did not consolidate all my student loans, 

causing me a problem in my credit report that I still haven't resolved, and of course for 

several month I did no pay my loans because I though that company were taking care 

of them. They did not helped me to resolve any of the problems they caused.

1535 97383674 08/09/2018 Ameritech

Consumer called to report that he received a letter in the mail from the FTC regarding 

Ameritech. Consumer states that he was promised to have his loans forgiven and his 

payments reduced. Consumer states that he has been making monthly payments of 82 

dollars a month since 2015. UPDATE 07/03/2018 Consumer is calling to report that he 

has called Ameritech to cancel his membership and received an answering machine 

indicating that they are receiving high call volume. Consumer indicates they just noted 

his account of cancelation provided the name of the agent he spoke to and the phone 

number he called. UPDATE: 08/09/2018 Consumer is calling to report 

Ameritech has withdrew $82 from his account after he had already canceled his 

membership with them, he did not authorize that payment. 

Ortiz Attachment A - 353

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 354 of 511
Page 354

# Reference Number Complaint Date Company Name Complaint Info Comments

1536 98188054 08/10/2018 Ameritech Financial

Consumer reports she is a victim of the Ameritech Financial scam. Consumer was 

contacted by Ameritech who offered to pay off his student loans and consolidate them. 

Consumer was put on a payment plan and paid about $49 a month. Consumer later 

received a letter from the FTC about the lawsuit they have with the company. 

Consumer has paid roughly almost $4000 dollars.

1537 98760251 08/10/2018 Ameritech

The consumer reports that he received a letter from the FTC regarding Ameritech 

Financial. The consumer signed up with them and he was paying $100 a month. The 

consumer reports that they never put the funds towards his debt. The consumer 

reports his loan went from $60,000 to $80,000. The consumer called to cancel but they 

refused. The consumer reports it has also damaged his credit.

1538 98760715 08/10/2018 Ameritech Financial

I was either contacted or got in contact with a representative from Ameritech Financial 

for a loan consolidation. I had recebtly consolidated my private student loans and I was 

looking for a way to consolidate my federal loans. The representative ran some figures 

based on my income and expenses and then told me how much I would save my 

consolidating with them. My new payments was $99 a month and the representative 

told me how much I would spend and save until my loans were paid off. I paid the $99 

for 12 months and then I had to supply documents to renew my agreement. This was 

curious to me because I thought I consolidated my loans already and loan terms don't 

change every year. But I supplied the documents and since I had gotten married, my 

payment went up to over $300. Which was MORE than if I never consolidated in the 

first place. So I was on the phone with a cutomer service representative and they said 

that technically Ameritech finds programs for borrowers and isn't actually consoildating 

my loans. This was news to me and not what I had signed up for originally. So I would 

now be paying my minimum payment like before but also paying the $99 fee that I was 

paying them to file paper work for me. I can file my own paper work for a goverment 

program if thats what I wanted to do. But I was looking for a consolidation and thought 

that is what I had signed up for. Needless to say, I was very upset when I realized that I 

paid $0 towards my loans for 12 months and paid $99 a month to Ameritech Financial 

for their "services". This was a very shady practice and I thought it was very unethical 

but I didn't know what to do being one person who fell for a trick. They recently sent me 

an email letting me know if the lawsuit and they state that they do not agree with the 

claims and that they would love to have my business back. I'm glad they reached out 

because it enabled me to figure out how to make a formal complaint about their 

unethical business practices and that is the purpose of my writing today. Thank you for 

filing a lawsuit against them even if it just brings light to their practices and saves future 

individuals from losing money as I did. Any refunds would be glady accepted though. 

Thank you.

Ortiz Attachment A - 354

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 355 of 511
Page 355

# Reference Number Complaint Date Company Name Complaint Info Comments

1539 98760786 08/10/2018 Ameritech

Consumer received a letter from FTC vs. Ameritech. Consumer had cancelled with the 

company before getting the letter. Consumer was told by her father about his payment 

getting lowered an told her to inquire about help. She called the company and was told 

that they could lower her payment to $132 month for 20 years and any amount 

remaining would be forgiven. Her father had found out it was a fraud so he let her 

know. She paid for a year a half.

1540 98768426 08/10/2018 Ameritech Financial|Unknown

Consumer calling about the letter he rcv'd from the FTC vs Ameritech Financial. He 

initially rcv'd a letter from them about 2 years ago. He called them and they told him 

they could lower his student loans. They told him he would have to pay $1,000 for their 

service. They later told him he would be paying around $600. Which is not what 

consumer was told to begin with. Consumer broke ties with the company.

1541 98768639 08/10/2018 Ameritech Financial

The consumer received a letter from FTC in regards to the Ameritech Financial. 

Consumer states she was making 2 or 3 years worth of payments. UPDATE 8/10/18: 

Consumer stated that she had paid the company about $1,905 via her bank account, 

amount was added to report. 

1542 98768866 08/10/2018 Ameritech

Consumer received a letter, about Ameritech Financial. The consumer has been, 

involved, with the company, for two years. Consumer gave them 3000 dollars. 

Consumer found out, that, they haven't been paying his student loans.

1543 98775367 08/10/2018 Ameritech financial Consumer received a letter in regards to the Ameritech Financial. Consumer was 

paying them $99 a month for years. She would like to know more about this case.

1544 98775520 08/10/2018 American financial benefits 

center 

I signed up for American financial benefits services under the pretenses that after 

paying a month fee ro the company that my schoolloa s would be forgiven after 10 

years. when I signed on the company told me to count all of my dependence anyone 

that I gave money to and said that he could budget to where I would get approved after 

2 to 3 years on the plan they said they had to redo my plan and I no longer qualify and 

would lose all of my money. by this time my loans were in default and gaining interest. 

Other-Other Update

1545 98775678 08/10/2018 Ameritech Financial

The consumer has a complaint against Ameritech Financial. The consumer has paid 

them money for student loan consolidation, she has asked for a refund, and this was 

denied.

1546 98781943 08/10/2018 Ameritech financial

I spoke with Ameritech Financial several times. They contacted a referral Jennifer 

Mahanay after we spoke; they gave me paper work and directed me to send this to my 

federal student loan department. After contacting My Great Lake stafford loans I was 

informed they had scammed $1000’s of dollars. She said this is free paperwork I 

should not pay any company $6500 for. I felt like an idiot and promptly requested a full 

refund. Ameritech Financial would only consent to not additional charges to my 

account.

Ortiz Attachment A - 355

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 356 of 511
Page 356

# Reference Number Complaint Date Company Name Complaint Info Comments

1547 98790173 08/11/2018 Ameritech Financial

 

featured a picture of Obama (our president at that time) and a 1-800 number. In 

October of 2017 the ad resurfaced and I decided to call given that I was unemployed 

and struggling to make my student loan payments on time. I spoke to a financial 

representative named Juan Casas. He asked a list of standard questions to see if I 

was applicable. Because I'd been out of school since 2005 and had an excellent 

payment status, I was quickly approved. My origianl remaining balance was 

approximately $12,000. After my approval my balance was reduced to $6,000, but only 

if I made automatic payments of $88 for 1 year. After the 1 year, $20 automatic 

payments would be made until the balance was zero. I also had the option (after 1 

year) to pay more than the minimum of $20 per month. I was skeptical about the auto 

payments and asked if I could make the payments myself. I was then transferred to an 

underwriter who explained that in order to have the balance cut in half, I had to have 

the automatic payments made for at 1 year. Then based on my payment history, I 

could remove the auto pay. He explained that this was standard procedure, so 

reluctantly I agreed. I compledted the necessary steps and the first automatic payment 

began 12/24/2017. It wasn't until receiving a letter from the FTC, and checking my 

student loan status that I realized none of the automatic payments had been applied 

towards my loans. Nor had my loans been forgiven, as the balance remained to be 

$12,000. For seven months I paid a total of $616, and none of the money went towards 

my student loan balances. I immediately contacted Ameritech financial and questioned 

their fraudelent behavior, and requested a full refund. The represenative stated 

Ameritech Financial doesn't give refunds on membership fees. I explained that I wasn't 

a member and didn't sign up/or agree to any membership. I asked why none of my 

payments hadn't been applied to my student loans and to immediatley cancel the auto 

payments. I was instantly put on hold (without the rep answering my initial question). 

Within seconds I received 2 emails from Ameritech financial. One with confirmation of 

the cancellation payments/claim number. And the second email explaining their 

innocence involving the case with Federal Trade Commissions. I closed the account 

where the auto payments were coming from because it was through a third party 

company called RAM. Because of Ameritech Financial's fraudlent activity (scamming 

me out of $616 for seven months), I didn't trust they would discontinue the auto 

1548 98790547 08/11/2018 AmeriTech Financial

I made payments to Ameritech after they promised to reduce the total amount of debt 

that I owed on my federal student loans. I contacted them for a refund and suggested 

in the FTC letter I received, but was informed that refunds were not being given. OtherOther Update

Ortiz Attachment A - 356

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 357 of 511
Page 357

# Reference Number Complaint Date Company Name Complaint Info Comments

1549 98796149 08/11/2018 AmeriTech Financial

This company has taken money from me promising to erase my student loan, 

reducing it, lowing my monthly payment and using my monthly payments towards my 

loan. I eventually found out the company was a scam and has changed their names 

varies times and none of my payments went towards my loans, i requested a refund of 

all the money i gave and they refused to pay me back. i have given this company 

thousands of dollars, which i can not get back and i still have a pile of student 

loans.TOPIC:Referrals

1550 98820010 08/11/2018 Ameritech Financial|Ameritech 

Financial

CFPB Sub product: Federal student loan debt --- CFPB Issue Type: False statements 

or representation | Attempted to collect wrong amount --- What Happened: I paid a 

monthly amount to Ameritech Financial thinking it was going towards my student loan 

debt, unfortunately it wasn’t. Every service they provided me I was already doing on my 

own, I honestly thought my low monthly payments was paying my student loans. The 

monthly payment was for their service, and I’m really disappointed because i didn’t call 

them or talk to them them and I still got got charged monthly service fees. I cancelled 

with Ameritech Financial, asked for a refund and would not give me it. --- Have 

contacted: CC Issuer --- Fair Resolution: I would like my money I paid them back!

1551 98802728 08/12/2018 Ameritech

I received mail from Ameritech for a Student loan reduction program. i called 

Ameritech on March 29th, 2016. I spoke with Morgan, she stated she was a Customer 

Representaive. She told me that my payments will start out at $207/ month for 11 

months then will go to $119.00/ month. and my loan would be paid off in 20 years with 

a savings of $138,240. I faxed the paperwork to them and gave my bank information. 

Ameritech started taking $207.00 out of my bank account on 04/28/2016. I called and 

cancelled my account with Ameritech on 09/25/2016 via phone, spoke with Avi. I called 

Ameritech on 07/09/2018 and spoke with Jake asking for a refund of the $828.00 they 

owe me and he stated they couldn’t offer any refunds until the investigation is settled 

with the FTC.

Ortiz Attachment A - 357

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 358 of 511
Page 358

# Reference Number Complaint Date Company Name Complaint Info Comments

1552 98802764 08/12/2018 American Financial Benefits 

Center

 

debt. I paid them the minimum I could, given my financial constraints. They claimed 

they could lower the minimum monthly payments, which were unmanagable for me. It 

was only after paying them for awhile I realized they were just going to the Department 

of Education and asking what a consumer would ask anyway to lower their amounts in 

times of need. The money I paid to AFBC never made it to the DOE and the payments 

were never applied to my balance. When I found out I was flushing money, I tried to 

get ahold of Eli Anderson, the agent who I had stayed in contact with and was told he 

had left the company. I found him on Facebook and asked him why he was so friendly 

and helped to scam me. He said he had left AFBC when he found out they were 

crooked and went on to other pursuits. I had a tough time believing he wasn't aware of 

the scams being perpetrated on not only myself, but presumably many loanees. I have 

these communications recorded on my FB account, as well as all of the emails 

concerned. When I stopped the payments, AFBC immediately contacted me, asking 

innocently that I return. I told them no and I was onto their con. I was prepared to let 

the money I sent to AFBC slide, thinking it was a life lesson, live and learn, and move 

on, though it troubled me that there were undoubtedly many others being take for a 

ride. Then these clowns sent me an email saying the FTC and AFBC were in lawsuits 

against each other and despite that fact, they aimed to keep satifying clients 100%, 

yadda yadda. I suppose the bad press from the lawsuits grew such that they felt they 

had to issue a public decry of their position. It must've been a blanket email, however, 

as it seemed they weren't even aware I had left their service months before, after 

smelling a weasel. I figured if I went ahead and made the effort to contact the FTC and 

add my case to the cases in the lawsuit, at the very lease you would have more 

ammunition to nail these scums. I did want to add that the location I put for AFBC on 

the previous page is the physical location listed on the old emails. This is the changed 

location of the email sent out two days ago concerning their involvement in the 

lawsuits: 1900 Powell Street Suite 600Emeryville, California 94608. I lost in total 

around $1,700, starting in April of 2015 and going until August of 2016. I have the bank 

records to verify this. When I tried to contact them after the veil came down, they 

bounced me around to different represetatives and basically used the "transfer them to 

another person and wear them down" strategy. I felt life was too short and let it go. I 

1553 98802863 08/12/2018 Ameritech

they told me they was taking help me pay my student loan on income base driven but 

they hadnt put my loan forebaeenxe which cause my loan to not be paid and also 

cause my credit report to change due to my late payment. i found theh are not a loan 

forgiven Other-Other Update

Ortiz Attachment A - 358

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 359 of 511
Page 359

# Reference Number Complaint Date Company Name Complaint Info Comments

1554 98802940 08/12/2018 Ameritech Financial

I was contacted by Ameritech Financial and returned their call to hear of a wonderful 

opportunity to have my school loans forgiven (or so I thought). Jesse Ridings the 

account specialist that helped me sign up, explained that all I had to do to recieve this 

benefit was to pay them a monthly fee. With the first month being $193, then the 

following 13 payements would be $173/month and then it would switch to $119 for the 

last 120 payments, and what would follow would be my loans forgiven. That is a total of 

$16,722 to have my loans forgiven. I was sold a lie. I was told they would be paying my 

loan off for me, and all I had to do was pay them these monthly fees mentioned. This 

all started in September of 2016 and continued until July 2018 when I recieved a letter 

explaining that they were being sued for deceptive practices. This is so frustrating that I 

was taken advantage of along with thousands of other people, but grateful I was 

informed by the Federal Trade Commission about Ameritech Financial's deceptive 

practices. I just want my money back and for Ameritech Financial to be made known 

as a deceptive company.

1555 98802989 08/12/2018 Ameritech

Ameritech Financial contacted me though the mail offering me student loan aide. I 

called and signed up. I paid them a fee for 8 months and then the fee was dropped. 

After the fee was dropped I only paid $99.00 a month that was directly transferred from 

my bank account. I thought everything was going great until I received a letter in the 

mail from the Federal Trade Commission notifying me that my payments were not 

going to my student loans. I am filing this complaint so I can receive information about 

my student loans and what I need to do to fix this issue.

1556 98933786 08/12/2018 AmeriTech Staffing, Inc

The company delivered unverifiable, negative information to a third party,without 

consent or verification, exposing the client to liabilty for violating the Fair Credit 

Reporting Act as well as Texas 3rd Party Disclosure laws. --- Additional Comments: 

Clients need to know that this company is forwarding unverifiable, inaccurate, and 

negative information to 3rd parties.

1557 98416894 08/13/2018 Ameritech

The consumer reports that Ameritech called him and they offered him student loan 

forgiveness. The consumer reports that they gathered his information. The consumer 

reports that he has been paying them for sometime now.

1558 98595279 08/13/2018 Ameritech Financial

Consumer calling stating that she received a letter from Ameritech Financial stating 

that the company failed to deliver on their promises to enroll people into government 

program that they claimed would permanently lower month loan payments.

Ortiz Attachment A - 359

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 360 of 511
Page 360

# Reference Number Complaint Date Company Name Complaint Info Comments

1559 98702282 08/13/2018 AmeriTech Financial

I was contacted bt AmeriTech Financial in the Spring/Summer or last year and it was 

explained to me, many times over, they were a company that could help me get all of 

my loans consolidated. I only gave them my Great Lakes Loans, and they did get those 

consolidated. I started making payments in July ‘17 and I was under the distinct 

impression that the $99 that was drafted from my account each month was going 

towards my student loan balance. It was until I got the forwarded mail from the FTC 

letting me know about the lawsuit that I called them to figure out what was going on. So 

as of August ‘17 my loan consolidation was approved and RAM had begun drafting 

payments out of my account. That was still occuring until 08.07.18 when I cancelled my 

membership. I asked what I had been paying for since the completion of my 

consolidation and they told me their “services.” I said that I understand the payments 

up until the completion of my consolidation, but I was unsure why I was being charged 

monthly given that: 1) The money wasn’t going to my student loans, and 2) They hadn’t 

done anything since August of last year. The representative then went on to explain 

that everything was in the agreement, which it probably was and it was my fault for not 

reading it word-for-word, but I was under the impressjon they were doing something 

they weren’t. They followed up by calling/emailing and once they got my banking and 

FAFSA info I assumed everything was in order because I was being charged. Im 

unsure what to do or how to get my money back that’s been paid since last August. 

Other-Other Update UPDATE: 8/13/2018 Consumer filed the complaint online and 

received a response. Consumer received response from the FTC. Consumer was told 

to visit ftc.gov/Ameritech. 

1560 98809555 08/13/2018 Ameritech financial

I was refered to ameritech by a co-worker. The company stated after i paid 199.00 a 

month to them via direct withdraw for 10 months then 99.00 a month for the next 9 

years my student loans would then be considered paid and i would not owe any on 

them as long as i worked for (non-profit agency) during the 10 year 

repayment period. They have access to my student loan account. I can not afford to 

repay my student loans without sometype of income driven plan and ameritech stated 

this is what they were. Now i get a letter from federal trade commission that it is all a 

lie. I have paid this company close to $4000.00 and am now told none of this goes to 

my loans.

Ortiz Attachment A - 360

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 361 of 511
Page 361

# Reference Number Complaint Date Company Name Complaint Info Comments

1561 98821991 08/13/2018 Ameritech

In Ocotber of 2017 i reached by a facebook add for student loan forgivess, i followed 

up with the add seeking more information. I was contacted after some information was 

give i was told i would qualify for $0-$20 loan payments But i had to pay $88 for the first 

10 months of enrollment. This money wouldnt go towards my student loans but they 

would be forgiven in a few years. At the time my current loan payment was $96 so i 

sturggled with signing up knowing possibly i could be paying more for the first 10 

months if i had at least a $20 payment. i ended up getting the $0 payment from them 

but ive been paying $88 to them each month since september 10th 2017. it just 

stopped this month, which also just happens to be when they notified me of this 

lawsuit. which led me to do research online and i found out it has been happening 

since august of 2017. In total they took $880 dollars for me to enroll in their student 

loan program and notified me the day of my $88 payments ending that it was 

happening.

1562 98843471 08/13/2018 Ameritech

Consumer called to report that she received a letter from the FTC regarding Ameritech 

but she is not in buissness with Ameritech. Consumer states she did file an application 

but she never proceeded after.

1563 98843520 08/13/2018 Ameritech

Consumer received a letter from FTC vs Ameritech. Consumer got a postcard in 2016 

from Ameritech and called them. She was told that they could help her. She was 

approved and states that she was asked how many people did she assist people in the 

past 5 years. This turned out to be listed as her dependents. She paid $207 per month 

for the first year. The second years she had pay $99 a month for the second year. 

Consumer would be paying for 10 years.

1564 98851755 08/13/2018 Ameritech Financial

Contacted on July 19, 2016 about getting my student loan debt paid off faster and 

making my monthly payments considerably lower. Informed that it will still take 30 

years to pay off but in the end, my student debt will vanish. Noticed on my student loan 

lender website that interest was continuing to accrue and my debt was growing as I 

continued to pay Ameritech financial each month. Went on the BBB website to see the 

ratings of this company and learned about the lawsuit that is currently in effect.

1565 98852156 08/13/2018 Ameritech Financial

Consumer calling about the letter he rcv'd from the FTC vs Ameritech Financial. 

Consumer rcv'd a call from them in 2016 offering to lower is student loan payments. 

They said his payments would be $99/10years and after that the bal would be forgiven. 

Consumer accepted their terms and set up the payment plan with them.

Ortiz Attachment A - 361

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 362 of 511
Page 362

# Reference Number Complaint Date Company Name Complaint Info Comments

1566 98852174 08/13/2018 Ameritech Financial 

I was initially contacted through mail, at least twice. One was a purple advertisement 

and the other was blue which I figured it was legit. I called and initially spoke to David 

Torres who I felt provided great information which made me feel like this was a legit 

company who is trying to help someone like me who had over $60,000 in student loans 

that I have struggled to pay for years. We began chatting through email since I was not 

ready (couldn't afford another bill) back in July 2017. When I was ready, David was not 

available (I assumed he was no longer with the company) and I began chatting with 

Chris Howe who got me set up back in February 2018. I called back in May because 

FedLoan sent me a bill saying that I owe a payment. The number for Amertiech wasn't 

working and I was really concerned. I finally found a number and someone was able to 

assist but he information he said was not the way I was told upfront. I told him that I 

wanted to cancel and he connected me to another representative who said that I pay 

them $82 a month and after 3 yrs, my loan would be forgiven. So I continued until 

received a letter from FTC and I called on 7/05/18 to cancel. She didn't probe too much 

but I said they need to stop immediately and I was not charged anything after the last 

payment on 6/15/18.

1567 98875130 08/13/2018

Ameritech Financial|Ameritech 

Financial|Alabama A & M 

University

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: Ameritech Financial gave false information about 

charging fees to do the income driven payments and they charge had told me that they 

was handling everything they said they would put my loan in forebearane and my loan 

went past due went on credit report. Then I read bad things about them --- Fair 

Resolution: Give my money and take the negativite off my credit report --- School Unit 

ID: --- School OPE ID: 

1568 97358433 08/13/2018 Ameritech

Consumer received a letter from the FTC concerning Ameritech on 07/02/2018. The 

consumer initially was contacted via email about their services to help pay off the 

consumer's student loan. They have been taking 100 dollars a month directly from the 

consumer's bank account as of Jan 2018. The previous past two years they have been 

taking out 163 dollars a month. When Ameritech sends the consumer emails, there is 

no return email address but the number 18554637515UPDATE 8.13.2018: Consumer 

called with questions about progress in Ameritech case. 

1569 98841766 08/14/2018 Ameritech

Consumer reported that Ameritech called consumer about a loan forgiveness program. 

Consumer states that Ameritech stated they would take his debt and to make a 

monthly payment of 100 dollars. Consumer states he has paid the company about 

4,000 dollars. Consumer received a letter from the FTC regarding the settlement there 

is with Ameritech. Consumer called Ameritech and was notified that indeed they were 

not paying his loans and all the money was going to their agency. Consumer canceled 

his account with them. Ameritech also stated that they were the ones suing the FTC 

and FTC just counter sued them back.

Ortiz Attachment A - 362

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 363 of 511
Page 363

# Reference Number Complaint Date Company Name Complaint Info Comments

1570 98857931 08/14/2018 Ameritech Consumer got a letter from FTC about the Ameritech and consumer wanted to file a 

complaint.

1571 98858332 08/14/2018 Ameritech Financial

Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate he has been a customer since 2016 and is paying $132 

month and payment was drafted out of her account.

1572 98863848 08/14/2018 Ameritech Financial settlement

Consumer states that that he had service with Ameritech Financial, consumer reports 

that she was promised to consolidate her loan paying of her student loan. Consumer 

has became aware that payments made to Ameritech Financial have not been going 

towards her loan. Consumer has paid $99/month debited from her account for about 1 

Year and made additional upfront payments of $800.

1573 98863879 08/14/2018 Ameritech Financial Consumer reports she's had a membership with Ameritech Financial for almost a year, 

she has paid them around $800 in total. Consumer was told they were going to help 

her with reduce her loan payments but she has not verified that with her loan.

1574 98863937 08/14/2018 Ameritech Financial Consumer reports they have been paying Ameritech Financial every month for a lower 

student loan payment and eventually student loan forgiveness.

1575 98881801 08/14/2018 Ameritech Financial 

found out they were scamming me when I got an email from navient explaining that my 

payments were not being made. filed a complaint with BBB reporting that they were 

scammers and that what they were charging was free from my lender and that no 

money was being paid to the lender.

1576 98882134 08/14/2018 Ameritech Financial

Consumer is calling because she received a letter from FTC VS Ameritech Financial. 

Consumer states that she has been paying $101 a month and thought that the 

payments where going towards her student loan. Consumer contacted the company 

and was told that none of the money she had paid went to her student loans. 

Consumer was told that she was paying for services that would help her with student 

loan forgiveness. Consumer has called the company and asked for a refund but was 

told they cannot provide a refund.

1577 98882351 08/14/2018 Ameritech Financial

Consumer received a letter from FTC. Consumer states the letter was referring to the 

Ameritech Financial, Financial Education Benefits Center (FEBC). Consumer states 

they are falsely claiming the consumer was eligible for federal programs that would 

permanently reduce their monthly debt payments to a fixed low amount or result in total 

loan forgiveness. Consumer states when she calls the company to cancel the service 

the phone dropped and cannot cancel her service. Consumer states she has lost $5K.

1578 98882398 08/14/2018 Ameritech Financial they promised to lower my loan payments and they said my monthly payments would 

go towards my loans and they did not.

Ortiz Attachment A - 363

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 364 of 511
Page 364

# Reference Number Complaint Date Company Name Complaint Info Comments

1579 98889029 08/14/2018 Ameritech Financial

 

student loans. I was doing some research on Google regarding student loan 

forgiveness. I landed on a paid website (later found this out) that directed me to 

Ameritech Financial. I called the number to get information. While in my stressed state, 

the representative Joseph Maranda advised how I could sign up for a student loan 

program that would not only reduce my student loans owed by over $30K, but also I 

would be making payments as low as $75 a month, even a year of no payments due at 

all. I then was directed to another individual who aggressively walked me through 

agreements over the phone. I gave them my banking info to process the 12 $75 

payments ($900 total), the one time $25 fee, and an addition $75 dollar fee. I was 

advised that their services did my paperwork and got me registered for the program. I 

was then emailed a packet of documents that I e-signed to agree. It was immediately 

after that I felt that I got ripped off, why would I pay them $75 a month and not have 

that go directly to my student loans...especially if I didn’t owe any money on my loans 

for this first year based off my income? In addition, it was later that I learned that debt 

forgiveness is a fraud: my student loan debt may be forgiven, but that ends up being 

reported as income with the IRS which would have led to major problems down the 

road. I then called Joseph back and asked questions because I felt as though they took 

advantage of my situation. The rep I talked to tried to talk me out of cancelling my 

account, I even remember him telling me something to the effect that "You are barely 

making enough money to cover your current payments due and you’re upset about it, 

you need our help". I immediately told him to cancel my account. I also read over the 

contract and mailed them a letter in writing requesting them to delete my bank records, 

that I was immediately canceling my account (I later changed my bank info). I also 

forgot to mention that when they set up my account, they requested access to my 

student.gov site (you know the government one with all my loan data), they then set up 

my username and pin. This info I also advised them to leave alone. I then reached out 

to the studentloan.gov site and got them to change my account logins so Ameritech 

would not have access. As of today and over the past 8 months I haven't had any 

issues because I took aggressive action to stop the scam for proceeding. Today in the 

mail I received a letter from Ameritech advising of this lawsuit and they even had the 

damn audacity to ask me, and others who also got the letter, to go to their site and 

Ortiz Attachment A - 364

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 365 of 511
Page 365

# Reference Number Complaint Date Company Name Complaint Info Comments

1580 98889094 08/14/2018 Ameritech

 

could provide loan forgiveness. As a result I signed up thinking they were going to 

provide the service they stated. Later I start to receive calls from my loan servicer and 

had to pay an additional fee to them for my student loan account. The payment to 

Ameritech was already taking more than I could afford, which has not only caused a 

hardship because I am umemployed and disabled with a very minimum fixed income, 

but was not as described by Ameritech. After receiving the FTC letter i immediately 

contacted Ameritech to request a refund. i also initiated a fraud transaction claim to my 

bank. Ameritech responded with “I am not entitled to a refund and they will get back to 

me”. Over a month and a half later no reply. please see their and my reply as of 

08/14/2018. Your statement of denial is contradictory of the services you 

claimed. As a result my student loan information has been fraudulently obtained by 

your company(Ameritech) in an effort to deceitfully perform a service on behalf of 

another servicer. To date my student loan has accrued excessive interest as well as a 

separate amount expected from servicer. Your company has denied me access to any 

information to confirm you were transparent about your practice and information to 

provide “loan forgiveness”. To openly and fraudulently collect monies from my account 

on behalf of Great Lakes, which was in no contract or aware of such activity by 

Ameritech. This is a formal reply? This generic and pathetic form of response provided 

after I initiated calls on 07/05/2018 spoke to a seemingly rude representative (Sham/n) 

stating he’d look into my account and get back to me..... Ive been waiting. never 

received a response. After making a call today 08/14/18 and speaking with (Bryan) I 

am now receiving a “formal letter” via email stating you all are 100% committed to 

what? To date you still haven’t resolved my concerns neither have you been able to 

provide sufficient information proving your attempts to provide a “loan forgiveness” 

agreement with Great Lakes. I am formally requesting a refund of the stolen monies 

from my account as of March 2018 to 07/2018.Sent from my iPhoneOn Aug 14, 2018, 

at 4:11 PM, Ameritech Customer Service <customer.service@ameritechfinancial.com> 

wrote:Hello ,Thank you for contacting Ameritech Financial. As our goal is 100% 

Client Satisfaction, we will work diligently to ensure that all of your concerns have been 

addressed.Ameritech Financial strongly denies the allegations in the FTC’s Complaint. 

The companies provide valuable services to consumers, and have successfully 

Ortiz Attachment A - 365

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 366 of 511
Page 366

# Reference Number Complaint Date Company Name Complaint Info Comments

1581 98889171 08/14/2018 American Financial Benefits 

Center

I had received a mailer stating that i was eligible for a loan forgiveness program and 

when I inquired I was informed that due to being in a public service job that I was 

eligible to pay one low monthly payment for 10 yrs then at the end of the 10yrs the 

balance of my debt woukd be paid. I was charged a loan processing fee and then I was 

told i would only have to pay 50.00 per month for 10 yrs, so I signed up and pd the 

processing fee in installments then started my 50.00 monthly fee. I kept getting 

communication from Great Lakes regarding payments due and was yold by AFB to 

forward all communication to them and they would handle do i did. In 2016 AFB kept 

requesting the same info over and over which i had submitted numerous times and 

when i was on the phone with a rep was told that my loans were “still in forebearance” 

when i kept questioning i was trasferred yo another rep who began to tell me that my 

money was just paying them for their services, when i questioned what service they 

were providing he stated they were assisting me with a loan forgiveness, I immediately 

wanted out of their program and was told that I had paid them and that I was under 

contract to pay until my loans were paid off. My loans were in forebearance status for 

almost 2 yrs with them receiving monthly payments that i thought was going towards 

my loan forgiveness only to find out that I was 2 yrs behind in paying anything and had 

acrued additional money in interest. I knew there was a bigger problem when I had to 

call my servicer while an AFB employee was on the line listening to initiate a IDR and 

complete and send paperwork, so not sure what their monthly fee is actually used for 

and since my husband has bevome disabled and we have been further stressed with 

the loss of his income and the payments I pay to my loan servicer and AFB. I will 

probably be dead before this is pd and according uo my servicer my loans still wont be 

forgiven after 10yrs Other-Other Update

1582 98889200 08/14/2018 Ameritech

Ameritech contact me in regards to my student loans. They basically made me believe 

this was the goverment agency that collects student loan debt. I later received a letter 

telling me their job was to file an extension on my behalf for the debt. I did not hire this 

company to act on my behalf for an extansion, my intentins were to begin paying my 

loans and this is what they made me believe they were doing. In May in contact them 

when I realized this company was a scam. The day that I called to cancel their 

services, they transfer me to three different people to try to convince me not to cancel. 

Each caller wasa bit more aggressive and witty but I canceled their services on that 

day and requested they refund me the money. They never did. I have bank statments 

where it shows the transaction. Thank you.

Ortiz Attachment A - 366

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 367 of 511
Page 367

# Reference Number Complaint Date Company Name Complaint Info Comments

1583 98950632 08/14/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Struggling to repay your loan | Problem lowering your monthly 

payments --- What Happened: In reference to the letter above, a summary of my 

experience with Ameritech is as follows.First, Ameritech currently contacts me about 

making payments and I am listed as being a customer, but Ihave not sent any money 

to that organization because the following has occurred.On February, 16, 2018, my 

employment was terminated. So I contacted what I thought was ConduentStudent 

Loan Services for monthly payments for "federal government loans" to be reduced 

because ofan anticipated loss in income. For some reason I was connected to an 

Ameritech representative. --- Have contacted: CC Issuer --- Fair Resolution: ?

1584 98951503 08/14/2018

Ameritech Financial|Ameritech 

Financial|New Jersey City 

University

CFPB Issue Type: Dealing with your lender or servicer | Received bad information 

about your loan --- What Happened: In March of 2016 this company contact me as a 

service provider for federal repayment loans. They presented themselves as an 

agency that works for/with the government to initiate a payment plan for student debt. 

A month later I received a notification that my extension for payment(s) was being 

revised. I called the company and requested the immediate cancelation for their 

services. That phone call went to three different phone specialist to try to convince me 

to stay. The last specialist appeared to be their last chance to convince me otherwise 

but I was very clear that if I wanted an extension I would (1) file myself and I sure as 

hell would not be paying $207 a month, every month. That is just ridiculous. Services 

were canceled 6/2016 and I did give them two payments of $207 a month. Money was 

not reimbursed. I was contact 6/27/2018 by the FTC to warn me of this company. 

08/10/2018, Ameritech also contact me via mail to be contact. --- Have contacted: CC 

Issuer --- Fair Resolution: Money refund and companies like this to be eliminated at 

once. Thanx! --- School Unit ID: --- School OPE ID: 

1585 97420860 08/14/2018 Ameritech

Consumer states that she has been paying Ameritech every month to get loan 

forgiveness. They did not do as promised. UPDATE 08/14/2018: Consumer wasn't to 

know more about Ameritech. 

1586 97471774 08/14/2018 Ameritech Financial

I received a letter in the mail from Ameritech stating they could help reduce my student 

loan debt. After applying and signing all necessary paperwork to enroll, I was informed 

that I would have to file single on my taxes. I did not want to do that. When I notified 

Ameritech that I would like to cancel my enrollment, they refunded $600 and kept $600 

for fees, etc. I assumed the payments I made to them went toward my student loans. I 

would appreciate anything you could do to help rectify the situation. I felt I was 

uninformed of all details of Ameritech's policy/procedures. I do feel I was taken 

advantage of. UPDATE: 7/6/2018 Consumer called to confirm her report. 

UPDATE: 08/14/2018 Consumer wants to know when she will get her refund. 

Ortiz Attachment A - 367

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 368 of 511
Page 368

# Reference Number Complaint Date Company Name Complaint Info Comments

1587 98889513 08/15/2018 Ameritech Financial

Consumer reports that she received mail back in Oct 2017 in regards to student loan 

assistance from Ameritech Financial. She agreed to make payments of $82 and has 

been paying them for the last 9 months. Consumer has received a letter from the FTC 

in regards to the lawsuit against Ameritech and would like to file a complaint against 

them.

1588 98895433 08/15/2018 Ameritech

Consumer reports she received a call from Ameritech offering to reduce her interest 

rates on her student loan which they never provided. Consumer states she has paid 

$640.

1589 98896313 08/15/2018 American Financial Benefits 

Center

Approximately 4 years ago, I heard about a third party company that helped with 

student loan forgiveness. I am a nurse working for a non profit hospital, so I knew there 

was a program that offered forgiveness after 10 years. A coworker gave me the 

contact info of this company, I called them and after a day of questions and paperwork, 

I was (what I was told) set up with the forgiveness program. They had me pay them 

$225 a month and according to the agreement, they would take care of my monthly 

student loan payment which they said they had gotten down to a $0 a month payment, 

the $225 was their service fee for the first year or two, I’m not quite sure. After the 

payments were over, I would continue to pay them $30 per month while they continued 

my $0/month payments to Fed Loan on my behalf, until the 10 years was over and my 

loan was forgiven. The monthly payment was supposed to be for them to keep current 

all the necessary paperwork to be eligible for the laon forgiveness program. After about 

8-10 months, I got a letter from Fed Loans saying I was in default because no payment 

had been made for that whole time since I signed on with AFBC. I had definitely been 

paying AFBC the whole time though! After talking to multiple “managers” I was able to 

terminate my business with that company. They refunded me about 75% of the 

monthly payments I had already made, but that was all that they would agree to. My 

credit took a big hit after that, and Fed Loans told mw there was nothing they could do 

after the fact, although they were very apologetic about my situation. AFBC is a scam 

and they don’t even do the ONE job they are paid to do. I would like to see them out of 

business. We had two kids at the time, as well as student loan debt (obviously) and 

other financial obligations that it wasnt feasible to hire a lawyer against this company, 

but I am sure they knew they were in the wrong.

1590 98906904 08/15/2018 Ameritech Financial

Consumer reports he has a membership with the Ameritech Financial, he was sent a 

letter from them offering to reduce his loan payments and help him forgive his loan. 

Consumer paid them around $2,772 in monthly payments but just recently found out 

we're suing them.

Ortiz Attachment A - 368

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 369 of 511
Page 369

# Reference Number Complaint Date Company Name Complaint Info Comments

1591 98907023 08/15/2018 Ameritech

Ameritech ran an ad on my facebook offering free loan consolidation and lower 

payments for IUP grads, which is the college I attended for 3 semesters. I read many 

comments online through different forums that said they Ameritech had helped them 

pay less on their student loans. I clicked the ad and filled out a tiny info card, they 

contacted me minutes later. The representative had access to my existing loan 

information, which was through Navient at the time, and easily told me what I was 

currently paying monthly, the status of my loans and how much interest they had 

accrued, with accuracy. All these factors led me to believe they were a legitimate 

company and could help me consolidate my student loans and payments. After that, 

she explained what my new payment schedule would be and how much they could 

save me. The figures quoted to me were payments of $108 for 10 months, following 

that $20 for 11 months or $240 annually. After that period it would be $300 a month for 

a total of $6880, saving $7520 total off my loans. After everything was set up, 

Ameritech was able to draft my bank account for $88, every month, over a period of 9 

months. Ameritech was able to access my Federal Student Loan Information, my 

Social Security number and my banking information, I feel extremely targeted, 

defrauded and overall scammed by a vicious company solely looking to profit by 

misleading people looking for a way out of their student debt.

1592 98907172 08/15/2018 Ameritech Financial

My wife and I where told that this was an income based repayment plan approved by 

the Fereal government. Nothing they told us was true. They kept asking for us to send 

in Docs., we would... then they would ask again. Emails everyday! It didn't take care of 

Navient loans they kept trying to get our payment as well. We could NOT pay both 

companies. When we recieved the letter from the FTC we did finally get the account 

cancelled after several weeks, but they refuse to give our money back. We paid in over 

$800 to join this FALSE program. I really hope you Succeed in this lawsuit! This 

company is out to screw people over. Thanks for your time, Other-Other 

Update

1593 98907255 08/15/2018 Ameritech Financial Consumer states that he had paid over 4000 dollars to get assistance with his student 

loans. The company is called Ameritech Financial.

1594 98956611 08/15/2018 Ameritech

Consumer stated that he set up payments to Ameritech to consolidate his student 

loans, they will be reduced and he made payments for 10 years they would be forgiven. 

Consumer stated that he has paid about $2500

1595 98956700 08/15/2018 AmeriTech Financial

They offered to help me with my student loans. I mistakenly assumed the monthly fee 

they charged me ensured that my loans were consolidated and would stay at the lower 

rate. Pretty foolish in hindsight.

Ortiz Attachment A - 369

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 370 of 511
Page 370

# Reference Number Complaint Date Company Name Complaint Info Comments

1596 98987612 08/15/2018 Ameritech Financial|Ameritech 

Financial

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: This company has been taking money put of 

my account to pay for a loan that I don't have with them. --- Have contacted: CC Issuer -

-- Fair Resolution: To get my money back on my account.

1597 97364979 08/15/2018 Ameritech Financial

Consumer has been paying Ameritech Financial a monthly fee of $83 for the last two 

years to cover their student loan consolidation services. He just received a letter from 

the FTC regarding action being taken against Ameritech. UPDATE 08/15/2018: 

Consumer is calling saying Ameritech had sent them a letter saying Ameritech is going 

to be filing a law suit against the FTC saying we are fraudulent. 

1598 98851881 08/16/2018 American Financial Benefits 

Center

Consumer stated that she has been working with American Financial Benefits Center 

to help pay off her student loans. Consumer stated that she has paid them a total of 

$3,000 and she has since learned that the money has not been going towards her 

loans. Consumer has received a letter from the FTC about a lawsuit against the 

company. Update: The consumer reports that she received a letter from the 

American Financial Benefit Center they stated they are filing a lawsuit against the FTC. 

08/16/2018 - Consumer requested additional fulfillment.

1599 98944590 08/16/2018 Ameritech Financial

Consumer reports he is a victim of the Ameritech Financial scam. Consumer was 

contacted by Ameritech who offered to pay off his student loans and consolidate them. 

Consumer was put on a payment plan and paid about $23 a month and then another 

few payments of $90 dollars. Consumer later received a letter from the FTC about the 

lawsuit they have with the company.

1600 98965557 08/16/2018 Ameritech

Consumer is calling to report that he received a letter from FTC v Ameritech Financial. 

Consumer was with the company since 2017 and has paid money she doesn't know 

how much because her daughter has been paying it for her.

1601 98979573 08/16/2018 Ameritech Financial

The consumer received a letter from FTC in reference in Ameritech Financial. 

Consumer states she was making payments for almost a year. Consumer was referred 

to FTC.GOV

1602 98995999 08/16/2018 Afbc

I was originally told that I would be paying AFBC the funds to pay off my student loans 

and would instead pay them. I later found out (2-3 months later) that i was paying 

them $199 to simply file paperwork. I only found this out because I kept getting bills 

from Fed Loan Servicing and called to find out why they had not made the payments. 

By that time i was already roped into paying.

Ortiz Attachment A - 370

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 371 of 511
Page 371

# Reference Number Complaint Date Company Name Complaint Info Comments

1603 98996027 08/16/2018 American financial benefits 

center

I was told in the beginning that AFBC would help me lower my school payments down 

to 99 dollars a month and after 10 years my loan would be forgiven. This month i 

terminated their services because the manager told me one thing and the employee 

told me another so i started getting worried. i finally asked her how many more 

payments do i have to make before my loan is forgiven. it ended up being like 30 years 

worth of payments. then fedloan contacted me and said i owed them payments which 

made no sense to me because i was paying afbc. apparently they were taking my 

money and doing nothing with it. i ended up in tears and terminated afbc services. they 

are horrible and all they did was take my money and tell me lies.

1604 98996053 08/16/2018 AFBC

AFBC took extreme advantage of me. They took a lot of my money and I kept emailing 

and calling to ask them why my loan was not decreasing. Christina Pfeifer told me 

many times that I would see it go down when I finished paying the $200 a month and 

dropped down to $49 a month. Right before my 2 years of paying $200/month was up, 

I received a call telling me I was no longer going to qualify for the program unless I was 

willing to claim 15 dependents. I told her I didn't. They cancelled me from the program 

and took all my money. I am now back to square one after 2 years not paying down my 

loans at all. This company needs to be held accountable for the scam that they are 

running and I did check them out under the better business bureau. They had an A 

rating. Things like this shouldn't happen and be listed under the BBB as an A. Even if I 

don't get my money back, I implore you to stop this company from taking any more 

money from people. I already have a lot of student loan debt and now I paid them on 

top of it. AFBC is taking advantage of people who just need help.

1605 98996057 08/16/2018 AFBC

I called this company in October of 2015 after getting mail telling me I could get debt 

forgiveness on my loan. I even have a note on my iPhone with all the info - it says that 

my loan as of October 27, 2015, I owed $21,756.06. With their forgiveness program, I 

am on an income-based repayment plan. My payment would be $179 for the first 11 

months, then drop to $119 for 240 months, or 20 years. This would mean I would pay 

$28,560 total on my loan as long as I remain in the program. And at the end of the 

term, $5,735 would be forgiven on my loan. So I gave them all of my info - SSN, loan 

info, bank info and have been making the monthly payments ever since.

1606 98996106 08/16/2018 AFBC

I started with AFBC in November 2015, I was told that if I made 9 payments of $199 

and then monthly payment of $99.00, my student loan debt would be paid off in 20 

years. This total was $35,151 and is about half my total debt. Is this true or not? I am 

not sure what to do now, because if this is possible than it is a great savings on the 

total debt I owe but if not true then I have paid them $4,167 for nothing.

Ortiz Attachment A - 371

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 372 of 511
Page 372

# Reference Number Complaint Date Company Name Complaint Info Comments

1607 98996118 08/16/2018 American Financial Benefits 

Center

I received a letter in the mail stating that AFBC could assist me with speaking to my 

loan provider about having my student loans forgiven. At the time, I was making a little 

above $20,000 so they said that i didnt qualify for total forgivness but I could have it 

reduced from the $300 i paid directly down to $100 and then after some time (I think 

they said 5 years) then my loan could be forgiven. I noticed that when I logged into my 

loan providers portal that my loan seemed to be accruing interest after some time and I 

called them twice to complain and cancel but I was assured that it was normal and that 

I was still on track and it would be a mistake to cancel. They also claimed that they 

were repairing my credit.

1608 98996123 08/16/2018 Ameritech Financial/American 

Financial Benefits Center

Consumer reports they have been making payments towards their student loans to 

Ameritech Financial/American Financial Benefits Center. Consumer reports they 

lowered their monthly payment but the money was not going towards the loan. 

Consumer was payed $500 for 3 months, then $100 for 24 months.

1609 98996124 08/16/2018 American Financial Benefits 

Center

I was told about AFBC from a family member back in 2014. That person was just 

getting started with AFBC and had only positive comments about the company, so I 

decided to give them a call for my husband and myself. When I called to get the 

information, the representative I spoke with asked for all kinds of personal information 

such as user names, passwords, bank info, etc. I was told that I would pay AFBC a 

monthly fee of $49 (times 2-for my husband too) and they would send $5 of that to go 

towards our student loans. It was also said that I would pay this fee for 10 years and 

after the 10 years our student loan debt would be swiped clean. Within the 4 years we 

participated with AFBC we were required to do "re certification" quarterly (I believe). 

This consisted of updating our financial and employment statuses. This company 

basically managed the paperwork of our student loans by keeping them in 

"forbearance" status. It was also very difficult to actually speak with someone when 

calling. It seemed the only business they wanted to do was through email. When I 

decided to go back to school, I contacted my loan provider and they advised me to stop 

all dealings with AFBC since they were not an approved company. I immediately went 

into panic mode because I just realized that the "too good to be true" scenario was 

actually true. I called and canceled our account with AFBC. Canceling was as simple 

as a phone call requesting them to stop the automatic withdrawal from our bank 

account. Unfortunately, when we first started with AFBC we sent out referrals to 

several friends wanting them to join AFBC. I feel responsible for leading them down 

this road, but I didn't know what was to come. I get a sick feeling when I think of how 

much money my husband and I wasted with AFBC when we could have been paying 

on our actual loans. I pray that all affected by this will be compensated in some way.

Ortiz Attachment A - 372

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 373 of 511
Page 373

# Reference Number Complaint Date Company Name Complaint Info Comments

1610 98996139 08/16/2018 American Financial Benefits 

Center

Consumer got an email from the FTC concerning the law suit against American 

Financial Benefits Center. He subscribes to the FTC email notifications. UPDATE 

8/16/18 consumer was transferred to a supervisor. Consumer wants to know when this 

will be done and when he will get his money back. 

1611 98996143 08/16/2018 American Financial Benefits 

Center

AFBC used aggressive mail marketing techniques. During the application period, it was 

not mentioned that the student loan consolidation that was arranged would not be paid 

for with the funds that I was having directly withdrawn by AFBC. AFBC attempted to 

use false household size to have the loan payment amount be $0, id imagine that this 

was done to avoid people catching on. After the consolidation was arranged, I received 

a bill from Fed Loan Servicing, my original loan servicer, with a balance due. I called 

customer service and was told that AFBC was charging a fee to complete paperwork, 

a misrepresentation of how they appeared to operate during multiple contacts with their 

team. I was informed by Fed Loan Servicing that the paperwork completed could be 

sent to me and completed by me at no charge. I immeadiately called and cancelled all 

service through AFBC, but was not refunded for the payments I made. I fell for their 

aggressive and misleading tactics. I was glad to see this action was taken by the FTC, 

as my wife and multiple friends had taken an interest in a service that ended up being 

to good to be true. Thank You.

Ortiz Attachment A - 373

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 374 of 511
Page 374

# Reference Number Complaint Date Company Name Complaint Info Comments

1612 98996161 08/16/2018 American Financial Benefits 

Center

 

and forgiveness for my school loans. Before they contacted me, I had been doing just 

fine handeling the documentations and anything else needed. I have always been 

under the impression that this was going to go towards a loan forgiveness. They are 

very good with their words. Initially they wanted $150 a month. I was unable to give that 

amount and so when I called to cancel they brought it down to $50 a month. They 

collected my bank information and have been withdrawing the amount since then. I 

have emailed and called on several occassions to check on my loan status and have 

always provided any documentation needed upon requests. They even have acess to 

my Nelnet and FASFA account. I just purchased a home about a month ago and 

wanted to check on the status of the program and see how much longer I had. I spoke 

with a gentleman who repeatedly assured me as of 2020 all my loans would be 

forgiven. When I asked how much I had left to pay so that maybe I could pay it in full 

sooner he advised me NOT to do so and stated I would need to keep paying the $50 a 

month until my agreement came to an end. This sounded to good to be true and so I 

called again not too long after and a 2nd person confirmed my loans would be forgiven 

in 2020. Now I am receiving emails stating they are under a lawsuit. The email states 

the following on behalf of the United States Federal Trade Commission: Your monthly 

payments to AFBC do not go toward paying your student loan balance. AFBC collects 

these funds as fees for their products and services. AFBC does not make payments 

on your behalf to your loan servicer. The United States Department of Education does 

not charge borrowers a fee to enroll in these programs on their own. The amount you 

are paying each month to AFBC is for a membership that gives you access to various 

financial, health related, and document preparation resources (you must affirmatively 

enroll to obtain any benefit). Participating or not participating in this membership will 

not impact your student loan. AFBC may have accessed or changed your Federal 

Student Aid (“FSA”) account log in information. If you wish to change it again, you may 

contact AFBC or your loan servicer. 

I am at a loss and infuriated. To this day, I have paid an estiamted $2400. I thought my 

loans were being taken care of and to read this is a complete stresser. I've done what I 

thought was in my best interest only to find that I've basically been scammed. Please 

help find answers as to what my next steps should be. -

Ortiz Attachment A - 374

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 375 of 511
Page 375

# Reference Number Complaint Date Company Name Complaint Info Comments

1613 98996196 08/16/2018 American Financial Benefits 

Center

I received a flyer advertising student debt relief and the ability to lower or forgive my 

student loans. i called the company (AFBC) and was told because I worked in a title 

one schoool district that i could have my student loans forgiven in ten years through 

their program. I had to pay $1295 up front with monthly deductions, then $600 over six 

months, finally settling on $49.70 a month until ten years was complete. At this point 

my loans would be forgiven and i would no longer have my debt. i am approaching 

almost five years with this company and upon checking my loans, i am up $5,000 in 

interest because i was put on income based repayment and none of my money has 

been going to my loans. i do not receive any monthly statement explaining where my 

money is going and recently i was contacted by them to obtain my personal log in 

information on the student loan site.

1614 98996197 08/16/2018 American Financial Benefits 

Center

AFBC promised to reduce my student loan debit, while allowing me to make affordable 

payments towards my loan. I set up direct deposit an allowed them to take money from 

my account every month. I didn't find out that was a lie until nelnet called me later down 

the line saying I had never made a payment. I called and that's when I found out that 

the money I was paying them wasn't going to my student loans. As a result my credit 

score was greatly damaged, even though I never missed a payment. I was paying 

money to AFBC and not a penny went to my actual loan. I cancelled my payment plan 

with AFBC and started a payment plan with the loan provider. AFBC wouldn't return my 

money and to this day my credit is still damaged. I have made many attempts to 

correct my credit score providing all of the needed information but my deals with AFBC 

have damaged it tremendously.

1615 98996214 08/16/2018 American Financial Benefits 

Center

1616 98996300 08/16/2018 Afbc i was told this company would help lower my student loans i paid them $100.00 

monthly my loan balance was never lowered

1617 98996328 08/16/2018 American financial benefits 

center

I was contacted by AFBC. I cant remember if they contacted me by phone or by email. 

But after they told me aboit their student loan forgiveness program I signed up almost 

immediately. I assumed the payments were going towards my student loan balances. 

After making years of payments, I happened to contact my student loan servicer to ask 

a quesrion about my account and they informed me that they had not recieved any 

payments on my loans. I called AFBC and cancelled my account. But by this point I 

had already paid them thousands of dollars. If you need someome willing to tell their 

story on the record I’d be more than happy to. I have requested my bank statements 

from this period so that I will have proof of the total amount I lost dealing with this 

company.

Ortiz Attachment A - 375

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 376 of 511
Page 376

# Reference Number Complaint Date Company Name Complaint Info Comments

1618 98996335 08/16/2018 American Financial Benefits 

Center 

I was approached at the school where I work by a man whose name I do not 

remember, but I think it was Rob. He told me and many other teachers that he could 

save us almost half of our money by consolodating our federal student loans. I signed 

up and paid $100 a month directly to AFBC thinking all the while my payments were 

being applied toward my federal loan balance. Almost 5 years later, while going 

through the process of trying to purchase a home, I was told by the federal student 

loan department that no payments had ever been made on my behalf and that AFBC 

had merely been charging me $100 a month to occasionally file forbearance. Not only 

had no payments been made, i had also accrued another 3600 in additional knterest 

owed by having not made any payments. I was livid and immediately emailed to cancel 

my account and request a copy of all of my financial records regsrdkng my payments 

to AFBC and expressed my concern for having been duped. I received an email 

confirming my cancellation, but never any of the information I requested. I tried on 

multpile occasions, but finally gave up thinking well at least I’m not losing any more 

money and ser my accounts straight with the federal loan servicing dept. It is my 

sincere opinion that I was targeted and taken advantage of and I threatened to file suit, 

but i dont have money for a lawyer. I told them if they would credit me back all of my 

payments made to AFBC including the exact amount I had accrued in interest, that I 

would not file suit. My request was denied and I never heard from them again. I admit I 

did not have time as a school teacher and single mother of three, to follow up and 

continue to plea my case with them so I cut my almost 10k in losses and moved on. 

Other-Other Update

1619 99001562 08/16/2018 AFBC

They showed BBB information and told me affiliated with Department of Education. 

Then put my loans in deferment until that ran out... That is when I heard that they are 

being sued. I accrued over $20,000 in interest trusting the company.

1620 99001566 08/16/2018 American Financial Benefits 

Center

I was contacted by AFBC and told I could lower my interest rate as well as monthly 

payment if I had them pay my student loan for me. I am an educator who didn't make 

a lot of money and hoped this would help me make ends meet and stay on top of my 

student loans. I was also told that if they made 120 on-time payments for me, my loan 

would be forgiven in its totality since I work in education. I don't know the exact date I 

began working with them, but I believe it's been about 5 years at $99 a month plus I 

paid ~$200 a month for the first few months. So now it's been 5 years of no payment 

plus the interest? I feel embarrassed that I believed them. I even told friends about this 

and I believe they signed up too. I feel responsible for them too now. I feel like AFBC 

should be responsible for repaying the entire amount of everyone's loans that they took 

advantage of. I'm sick to my stomach about what this is going to do to my credit and 

my monthly income. Please help us.

Ortiz Attachment A - 376

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 377 of 511
Page 377

# Reference Number Complaint Date Company Name Complaint Info Comments

1621 99001597 08/16/2018 AFBC

was told i qualified for a certain grant, dwight Eisenhower and etc.i had to pay. 1250.00 

initially then 49.70 monthly for them to manage my loans. They said it would surrender 

all my fedloan information and they would do everything

1622 99001625 08/16/2018 AFBC

i was reached via mail and contacted afbc for debt relief. i felt kind of strange how they 

were representing my income and dependants. i also realized after the fact that all of 

the consolidating that they did i could have done all on my own if i had known. paid 

1295.00 for basically nothing due to the fact that when it came time to “renew” my zero 

payments for my school loans i no longer qualified since i filed jointly with my husband 

with my husband on my taxes. i felt stupid for even entering the program and definately 

would have been foolish to stay with the “program” any longer as i wasnt following their 

shady protocols. they also neglected to post several of my payments along the way 

and i constantly had to show proof where they deducted my payments. very messy and 

shady company.

1623 99001679 08/16/2018 American Financial Benefits 

Center

I contacted AFBC after receiving a solicitation from them in the mail offering to reduce 

my student loan. I was told to pay an initial cost of $600 and then $99 per month and 

this would pay down my debt for the next 20 years and would then be forgiven 

completely. After paying for awhile, I contacted my lender, Nelnet, and was told it 

would not cost me anything to file for an Income Driven Repayment plan with them. I 

contacted AFBC and told them to cancel my contract with them. I am now on an 

Income Driven Repayment Plan with my current lender Nelnet. My last payment to 

AFBC was in May 2017. I paid approximately $3,126 to AFBC. Meanwhile, I 

continued to accrue interest on my student loans. My student loan debt was not 

reduced at all.

1624 99001689 08/16/2018 American Financial Benefits 

Center

I was continuously contacted via telephone while stationed in Washington State. In 

May 2014. I provided the company with all the information needed to support my loan 

repayment plan which was supposed to work in conjunction to the Public Service Loan 

Forgiveness program. After repeatedly asking about how my payments were tracked in 

support of the PSLF and they stated via telephone and by email that once all payments 

were received then they would forward the information over to have my loans repaid. 

None of that happened and 3 years of associated payments to AFBC were wasted and 

now I have nothing to show for my loan repayment expect for years of interest that 

accrued on the principal value of my students loans and only one year of documented 

payments toward my PSLF through my great lakes. The 3 years with AFBC were a 

painful waste of time and a reminder that their are terrible people out there preying on 

those in debt seeking to get out of debt. They lied to me for 3 years and I can't get that 

time or money back.

Ortiz Attachment A - 377

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 378 of 511
Page 378

# Reference Number Complaint Date Company Name Complaint Info Comments

1625 99001772 08/16/2018 American Financial Benefits 

Center 

This company charged me a 650.00 up front fee and 30.00 per month stating the 30.00 

was the income based repayment plan and I was paying them for 8 months. I finally got 

wind of the scam because my finance planner stated that I was on a zero income 

based payment plan per my credit report. I was paying 30.00 per month to AFBC and 

they were keeping the money and did not put any towards my student loan. When I got 

wind I called them and stated I would not be paying them any additional money. I called 

my student loan provider and they changed my passwords to my Fed Loan account. I 

had no way of recopping the money I was at a lost and a dead end with efforts on 

getting my money back I just out it in Gods hands and let go.

1626 99001803 08/16/2018 American Financial Benefits 

Center

Consumer stated that he received an email from the FTC regarding the American 

Financial Benefits Center. Consumer stated that he had given them all of his personal 

information and they ended up locking him out of the federal student loan website while 

he was thinking that they would be lowering his student loan balance. Consumer stated 

that he learned they were not paying towards his loans but he did not remember how 

much he had paid them.

1627 99001858 08/16/2018 AFBC

I received an email from FTC and AFBC (American Financial Benefits Center) 

informing me that a lawsuit has been filed by FTC against AFBC. a few years ago (dont 

know exact dates), I received a letter from AFBC about their services to eliminate my 

student loans. I called and they explained that my student loans will be forgiven in 10 

years at a fee of $100 per month for two years, then $50 a month for eight years. I set 

up an auto pay and have been paying them monthly ever since. This year, because of 

a higher yearly income, I was informed that I will now have to pay $200 per month. 

Because this differs from their original fee offer, I now question this company's 

legitimacy and wish to forward this information to you.

1628 99001893 08/16/2018 American Financial Benefits 

Center

Consumer received a phone call from American Financial Benefits Center. Consumer 

has been paying the company to reduce/consolidate their existing student loan debt. 

Consumer later confirmed their actual student loan was not decreasing as promised. 

Consumer does not describe the amount paid over time by automatic bank debit and 

will call to add this figure to the report at another time.

1629 99001916 08/16/2018 American Financial Benefits 

Center

AFBC, reached out to me about my student loan debt. I was currently in a repayment 

program and told me that they could lower my monthly payments. I spoke with a 

gentleman the next day , filled out the necessary paperwork, and setup my reduced 

payment plan. The payment would come out of my account electronically each month. I 

was told that the payments would be applied to my student loans.

Ortiz Attachment A - 378

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 379 of 511
Page 379

# Reference Number Complaint Date Company Name Complaint Info Comments

1630 99001981 08/16/2018 American Financial Benefits 

Center

I was told that I had to pay $250 per month for the first 12 months, then they would 

reduce my debts drastically for the remainder of the loan period, and it would be 

forgiven in 20 years. After the first year, I was informed that my forbearance limit had 

been reached and that I had to start making payments on my student loans. I 

continued to pay AFBC thinking that my student loans were being paid as agreed, but 

eventually my loans were so far past due that they were sent to collections, and my 

credit score was ruined with negative 'late payments'. After cancelling service with 

AFBC, I tried to have these negative marks removed to no success, and have been 

struggling to restore my credit score to good standing for years.

1631 99002017 08/16/2018 American financial benefits 

Center

I am rolled with this company after the promise that when I made $99 payments for 10 

years my loan would be completely forgiven. After between one and a half and two 

years on the program they said I no longer qualified they unenrolled me and I lost all of 

the money that I paid and my school loans went into default. No money went towards 

my school loan at all

1632 99002037 08/16/2018 Afbc Referred to afbc by a friend of a friend. I felt like it was fraud from the beginning but 

since i had never dealt with college loans I did not know the process. Ileft them after a 

year from feeling uneasy but they got $1804 from me & still have personal private info.

Ortiz Attachment A - 379

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 380 of 511
Page 380

# Reference Number Complaint Date Company Name Complaint Info Comments

1633 99002059 08/16/2018 American Financial Benefits 

Center

I used this company with the assumption that they were taking the best care in helping 

me with my student loan. They informed me that they take care of all the paper work 

needed to help consolidate or get me a better repayment option. I paid $99 a month for 

2 and a half years. I also assumed that a portion of that payment was going towards 

my school loan. I assumed this because my credit report showed as the loans being 

paid. Since the payment amount that I assumed was being paid was so small, I never 

noticed that the loan amounts were not going down (my mistake). The issue came in 

January 2018 when I noticed I had 6 months of non-payments to my student loan on 

my credit report. I had no contact from AFBC during these six months even though 

they said they did. I immediately cancelled my agreement. I contacted Fed Loan and 

found out that everything I was paying AFBC for, I could do for free. I found out that all 

they were doing was putting my loan in forbearance over and over again for 2 and a 

half years. I also found out that the household size that AFBC prompted me to have 

was 5 too many. I have never had 9 people in my household that I was responsible for. 

AFBC said that this amount included anyone that I have helped financially, including 

sending money in cards. Per Fed Loan, this made my monthly payment over $400 a 

month (with the new household size of 4). This caused me to put my loan in 

forbearance and then deferment. My goal was to sell my house and use escrow to pay 

off the loan. This had to be put on hold for 6 months due to the 6 months of late 

payments on my credit report. Because of my now low credit score, I have to wait until 

the score goes up to qualify for a conventional loan (FHA will give me a loan but will not 

let me use the escrow for my own purposes, must go towards the new house). This 

company hurt my credit score, took my money, and did nothing but put my loan in 

forbearance for two and a half years. In other words, they did nothing.

Ortiz Attachment A - 380

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 381 of 511
Page 381

# Reference Number Complaint Date Company Name Complaint Info Comments

1634 99002061 08/16/2018 AFBC American Financial 

Benefits Center

 

registering for the Public Safety Foregiveness Program. I submitted the required 

documentation to AFBC, and was advised that the initial $2,000 paid to the company 

was the enrollment for the Public Safety Forgiveness Program, and that $49 a month 

was my new payment for my student loans. I learned that AFBC was logging into my 

student loan accounts, physically logging in because the company requires your 

provide your user name so they can ensure they have the correct account. I received 

an email in ref to Forbearance being approved. I contacted AFBC to find out why my 

student loans were on forbearance and was told that Fed Loans requires loans to be in 

forbearance in order to consolidate the loans and move to a public safety forgiviness 

program, which I learned almost 2 years later from Fed Loans that this was inaccurate 

information provided by AFBC. AFBC would automatically withdrawl the payments from 

my checking account, but I started to receive letters from Fed Loans in 2015 that my 

payments were behind. I contacted AFBC which was the instructions provides during 

enrollment that if there were any issues that I was to contact AFBC and not Fed Loans, 

but was told by AFBC that my loans were current and to ignore any communications 

from Fed Loans because AFBC was the servicer of the student loans. Mid 2015, I 

contacted AFBC again due to the emails from Fed Loans about my payments not 

being received. I was then told that I had to make both payments because my debt 

through Fed Loans was to high so both payments were requied. In 2015, I spoke with a 

Nicole Williams asking about how many qualifying payments were made towards my 

public safety forgiveness payments, and was told a client portal was being worked on 

so customers could see how many payments qualified and how many were left. On 

6/3/2016, I contacted Fed Loans to see if they could tell me how many qualifying 

payments were made because I would call AFBC, and would be told the manager for 

my account would call back, but anytime someone called from ABFC, the phone rang 

once then they would disconnect and immediately send an email that stated numerous 

attempts were made to make contact so they are closing out the ticket. I learned from 

Fed Loans that I was never enrolled in the public safety forgiveness program, that due 

to not making payments in 2015 (I was making payments to AFBC, but none were 

applied to my actual fed loans) that I only had 6 payments that qualfied for 

foregiveness. I attempted to make contact with AFBC several times requesting a 

Ortiz Attachment A - 381

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 382 of 511
Page 382

# Reference Number Complaint Date Company Name Complaint Info Comments

1635 99002084 08/16/2018 AFBC

I paid this company 3 installments of 500 then 50 dollars every month from 2015-2017 

. They had me exaggerate my family size letter, despite me questioning and reminding 

them that not everyone I support lives in my house as the Family Size letter states. 

This was done to make my payments low to keep me paying them. HOWEVER, when 

my yearly renewal came around, it took them weeks and sometimes MONTHS to 

respond to me so that I could submit the necessary documentation to continue my 

payment progress. This, obviously, resulted in damage to my credit score as payments 

were delayed because they did not submit the forms I completed in a timely manner. 

Again, all the while I am paying them approx 50 dollars per month. I emailed and 

cancelled my account with them based on all this in January and have since began 

dealing with my student loan company independently.

1636 99002113 08/16/2018 AFBC

I was contacted by this Company in August 2015. It was pitched that they would help 

me fill out the necessary paperwork over the phone to get loan forgiveness after a 

certain amount of years. They asked for $200 a month which I thought was reasonable 

if I could get my loans forgiven. I was under the impression that they were filing the 

paperwork to make this happen. What I found out almost a year later was that not only 

was an IBR not filed, but I was in deferment for this amount of time. I NEVER took a 

deferment myself. Not even when I was in school for my first Master's degree. I paid 

through that whole time and all for nothing. My loans are significantly more then when I 

started. There offered to reduce my payment and make sure that my year counted. 

This was also false. To make a long story short, I cut ties with them with no hope of 

getting those years back and my loans are now being taken care of with the Dept of ED 

directly, but the interest on my loans is enough to make you cry for ten years. This is a 

shame, especially for an educator that will have two feet in the grave before these are 

gone and I know there are many others just like me. Other-Other Update

1637 99002144 08/16/2018 Ameritech

I was contacted by this company who presented themselves as a company that 

provided a service to assist students by helping to reduce student loans. I paid the 

processing fee of $800 to have my student loan paperwork changed. I then paid the 

company $100 a month that I was lead to believe was paying the new fee that would 

pay my monthly education loan. During this period of time my loan as increased by 

nearly $6000. It turns out the loan was changed to forebarance and the money was 

not going to pay the loan. This company misled what they were doing and have made 

my loan balance increase by 6000 dollars, and charged me approx. 2400 dollars to do 

it.

Ortiz Attachment A - 382

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 383 of 511
Page 383

# Reference Number Complaint Date Company Name Complaint Info Comments

1638 99002177 08/16/2018 American Financial Benefits 

Center 

This company sent me letter that I qualifed for loan forgivness program. I was 

interested i reached out by phone they told me they could lower my monthly payments 

to $99 a month and after paying 120 payments they would lower the monthly payment. 

i dont remember exactly the terms but eventually after paying a certain time frame my 

loans would be forgiven. i dont remember the time frame because it has been three 

years. When I conected them in regards to paying $99 a month nobody would get back 

to me. i started to question them about lower my payment like the promised in the 

beginning when i signed paperwork. nobody got back to me. then i findout that they 

where taking my money and not paying the loans they wouldnt let me cancel my 

contract. when i told them i didnt need their services that i can do it for free they said 

that i was lying that i appiled for forbence. i said no my loan isnt in forbence because i 

had contacted my loan before calling them. i fought hard but got it canceled

1639 99002231 08/16/2018 American Financial Benefits 

Center 

my understanding was that they (AFBC) was going to take care of my student loans. i 

was going tay them the original $1550 for them to take over payments. I was to pay 

monthly ($49/50) based off of income to them for TEN years and my loan would be 

forgiven. I have contacted them multiple times and they have always requested my 

paycheck stubs. ky most recent contact with them was regarding this lawsuit- they 

stated that my loan was now for 25 years since I work for a not for profit job (which is 

not new). very disappointed in the fact that ive wanted these last few years only to find 

out all my money has went into thin air. i do have all of my documents saved should 

you need those.

1640 99002279 08/16/2018 American Financial Benefits 

Center

I signed up in August 2015 with AFBC in order to lower my student loan payments. 

Today I was notified of a lawsuit against AFBC, so I looked into my accounts to see if 

the reported issue effected me. Upon looking into my bank account, and my two 

student loan lenders, the 100 a month I was paying to AFBC did not show in the total 

amount withdrawn from my bank account, and the total amount paid to each lender per 

month. Based on my analysis, the 100 per month from August 2015 has not been 

applied to any student loans under my name. This withdrawl continues to be removed 

from my account to this day. I have attampeted to reach their customer service, or log 

into my account via their website but cannot. AFBC has taken $3600 from me and I 

would like this back in full.

Ortiz Attachment A - 383

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 384 of 511
Page 384

# Reference Number Complaint Date Company Name Complaint Info Comments

1641 99002295 08/16/2018 American Financial Benefits 

Center

AFBC orinally charged me a fee to acquire their services. Afterwards, I did not fill out 

the paperwork needed to continue the service. Recently, they contacted me because of 

a declined payment. When I questioned them why they still charged me despite not 

completing the steps to continue their services, the rep said that they were going to 

continue to charge me despite that paperwork. I have not seen any change to my 

Navient account for payments. The only thing they did was put my account Navient 

account into Forbearance. If this is the case, I've been paying them since 2015 with no 

services rendered, nor completing the paperwork to continue their services.

1642 99002313 08/16/2018 AFBC

Just recently I started feeling that this company wasnt doing what they said they were. 

Anytime i would contact them they always wanted detailed information about my accts 

and wanted passwords and usernames. It just felt weird. i just recently contacted my 

loan company and they said that i am 4 years in forbearance. My last payment to them 

was in february 2014. I started with AFBC right after that. These scumbags have been 

taking my money and not paying anything towards my loans. Each year they want me 

to send in all my tax info and W2s. They say they are reupdating my income based 

repayment plan. according to my loan company, AFBC would put a foreberance on the 

account instead. i have been paying AFBC for 4 years for nothing. Also AFBC said that 

i was in a public service loan foregivness program where my loans would be forgiven 

after 10 years. Well they werent paying them so i never started into my 10 year 

foregiveness.

1643 99002316 08/16/2018 AFBC

AFBC sent me a letter about Student loan forgiveness. When i contacted them, they 

asked me to pay around $170 a month. i started to pay the money and i received a 

letter from the government about my loan and called them. i told them that i was 

making payments to AFBC and they stated that only the government can handle 

student loans and for me to stop payments right away, because they did not receive 

anything from AFBC. SO i stopped the payments.

1644 99002322 08/16/2018 American Financial Benefits 

Center

I was contacted via mail. Called in and signed my wife up for a lower Student Loan 

Payment. They told us for $49 a month they would set things up for a lower payment. 

It was Income based, and we would qualify because my wife was a Nurse Practioner 

and she worked in an under served area. We were also told if we paid on it, with no 

missed payments for 10 years the balance of the loan would be forgiven.

Ortiz Attachment A - 384

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 385 of 511
Page 385

# Reference Number Complaint Date Company Name Complaint Info Comments

1645 99002335 08/16/2018 American Financial Benefits 

Center

I have been a consumer with this company since 01/2015. I just recently recived 

notification that this company is a fraud! I became a consumer of this company in 

hopes to eventually have my student loans forgiven because I have been in public 

service job which is one of the requirements AFBC stated made me eligible for their 

services. Each payment that I made was supposed to go toward paying off my student 

loans which I now have become aware will never happen because this company has 

been taking my payments for the past 3 years and not one cent of it has gone toward 

paying off my student loans. I am beyond frustrated! I would like justice and for others 

to know that this company is a fraud! Please let me know what else I can do as a 

consumer who has been decieved like this! I will fight this! Thank you.

Ortiz Attachment A - 385

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 386 of 511
Page 386

# Reference Number Complaint Date Company Name Complaint Info Comments

1646 99002353 08/16/2018 American Financial Benefits 

Center

 

monthly student loan payments and also have them forgiven after 10 years by enrolling 

in the IDR program. We are pharmacists and rarely qualify for IDR programs or 

forgiveness of student loans due to our salary, so this seemed to good to be true, but I 

got the number from her and called AFBC. When you have $100,000 in student loans, 

you'll try anything to reduce them or have them forgiven, regardless of your salary. 

They are a burden. When I spoke with the representative at AFBC (I cannot recall 

names), she made it seem so easy to enroll and yes, I would qualify even with my 

salary. They told me that "family size" basically includes anyone you have ever 

boughten anything for in your life. Even though I told them I was single, they said I 

could include parents, siblings, grandparents, cousins, friends, etc. I thought this was 

a little odd, but like I said, getting rid of student loan debt is a very attractive idea, so I 

went with it. They had me pay 3 payments of $399 (8/15, 9/15, and 10/15) and then 

monthly payments of $99 from 11/15 to 6/16 for their "services." They told me that I 

wouldn't need to worry about filliing out paperwork to verify income or family size to 

qualify for the IDR program in the coming years. AFBC said they would take care of 

everything. When my 1 year mark came around in 2016, I received a letter from the 

government stating that I would need to verify my income and family size to continue 

the IDR program. In reading the information they sent, I realized that there was no way 

I should have qualified for the program to begin with due to my income and single 

family size. I was horrified and called AFBC immediately only to realize that they had 

put my "family size" down as 10 people. I cancelled my services with them and told 

them I wanted nothing to do with their business. I then had to go through the process 

of refinancing my loans again through the Department of Education, which turned out 

to be a pretty stressful process. The only way to pay my loans off in the 10 years like I 

had planned, was to enroll in a graduated repayment plan in which my payment will go 

up every 2 years in order to pay off the balance in 10 years. My other option from what 

I understood to have a reasonable monthly payment was to refinance another 30 year 

loan. I had been paying on my student loans for 7 years when I signed up with AFBC 

and then another year after signing up with them, so the idea of refinancing for another 

30 years was not appealing. By the end of my 10 years, my payments will be quite 

large, but this is what I am willing to do to get them paid off. In hindsight, I should have 

Ortiz Attachment A - 386

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 387 of 511
Page 387

# Reference Number Complaint Date Company Name Complaint Info Comments

1647 99134377 08/16/2018 American Financial Benefits 

Center|FTC Imposter

CFPB Sub product: Federal student loan debt --- CFPB Issue Type: False statements 

or representation | Impersonated attorney, law enforcement, or government official --- 

What Happened: I signed up with American Financial Benefits Center and was 

informed if I pay a monthly fee of $179 for 12 months and $99 thereafter, that a large 

portion (estimated $16,000) of my student loans would be forgiven. The date I signed 

up with them was November 4, 2015. They have taken payments of $179 out of my 

account from 12/8/15 through 12/2016. From 1/2017 through 8/6/2018, they have 

taken $99 out of account. I received an email from your company stating AFBC is 

fraud. --- Fair Resolution: I need $5,127 back into my account that AFBC has stolen 

from me.

Ortiz Attachment A - 387

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 388 of 511
Page 388

# Reference Number Complaint Date Company Name Complaint Info Comments

1648 97935819 08/17/2018 Ameritech Financial

 

forgiveness program. I spoke with an Account Specialist Paden Smith for a few days 

going over everything and getting my account information set up. Mr. Smith sent me a 

Better Business Bureau email ensuring me that Ameritech Financial Company was 

legit and a good company about 100% customer satisfaction. He stated that he was 

going to save a ton of money. The agreement was I start of paying $200.00 a month 

for six months and if I am consistent my payment would drop to $98.00 a month. He 

stated that I would only be paying back ruffly 25,000.00 and that my loans were totaling 

$80,000.00. Mr. Smith stated after I paid the 98.00 a month for 20 years the remaining 

balance would be completely forgiven. He explained to me that all of my student loans 

would be consolidated and that payment would be going to the loans and a small 

percentage to Ameritech Financial since they are setting up this agreement. Mr. Smith 

explained that this would cease my interest rates for my student loans from increasing 

and get my credit back on track. Mr. Smith and I went through my FAFSA, ECMC, 

Sally Mae & Great Lakes information regarding my student loans to ensure all 

balances were included. I was told everything would be taken care of by Ameritech 

Financial and to stay on top of my payments to start building my credit. I want to say a 

few months after that call and me making payments I get a call from ECMC demanding 

payment. I explained I am already paying through Ameritech Financial and that all of 

my finances were consolidated. ECMC said they can see some type of arrangement 

but it did not include that loan. I reached out to Paden Smith again was told he would 

handle everything. Then I get a call from Great Lakes demanding payment I tell them 

the same thing Great Lakes explains they have not gotten a single payment from 

Ameritech Financial. I call Ameritech Financial and felt as if I started getting the run 

around. I was told someone would be calling me back or to leave a message. I applied 

to get a mortage for a house and was applaud at my debt to ratio when it came to 

student loans along with my student loans balances looked like they had increased 

instead of decreasing. I went to look at my account to see if payments were still coming 

out of my account and sure enough $ 200.00 was still being automatically withdrawn 

instead of $98.00. I stop payments immediately through my bank and contacted 

Ameritech Financial immediately. I told them that I was going to take legal actions 

because they took money I did not have and selling false advertisement. I asked where 

1649 98975677 08/17/2018 Ameritech Financial

Consumer is calling on regards to a letter received by the FTC about Ameritech 

Financial. Consumer reports that Ameritech Financial have promised to enroll 

consumer into a government program that they claimed would permanently lower 

monthly student loan payments for a loan forgiveness. Consumer reports that she has 

contacted Ameritech Financial for a refund. Consumer reports that they refuse to 

refund her money invested.

Ortiz Attachment A - 388

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 389 of 511
Page 389

# Reference Number Complaint Date Company Name Complaint Info Comments

1650 98976199 08/17/2018 Ameritech Financial

Consumer reports she is a victim of the Ameritech Financial scam. Consumer was 

contacted by Ameritech who offered to pay off her student loans and consolidate them. 

Consumer was put on a payment plan and paid about $99 a month. Consumer later 

received a letter from the FTC about the lawsuit they have with the company.

1651 99002485 08/17/2018 AFBC the program said they were helping with my student loans and all they did was take my 

money

1652 99002502 08/17/2018 Ameritech

I was told this was to reduce my loan charges and student loan balance and apply for 

forgiveness. Once I recieved the letter from FTC I called and confirmed they did not 

reduce my did and would not refund my money. They said my payment would be 

reduced to $150 month and I ended up paying the same amount plus about $100 up to 

$2,700.

1653 99011864 08/17/2018 American Financial Benefits 

Center

I have been a consumer with afbc for approximately three years, not sure of the 

customer rep. name. I was ask to pay $149 for a year and my payments will decrease 

to $99. All payments will be sent to the Department of Education, and I would be 

enrolled into the Student Loan Forgiveness program. After, being deceived myself and 

thousand of others, we are entitled to a refund. A slap on the hand is telling them to be 

more careful next time. Unexceptable.

1654 99011872 08/17/2018 American Financial Benefits 

Center

I was told my loan would be completely forgiven within 10 years of making payments 

toward my loan at $120 for the first 3 months and then $99 per month for the 

remainder of the term. I was only told that those payments would go toward my loan 

balance. A couple months ago, my Ed Financial payment increased from $0 to $138 on 

top of the $99 payment that AFBC was taking out of my account, which I was told was 

going toward my loan balance. I had no idea the $99 was a membership fee when I 

could have received those services for free with Ed Financial. AFBC misrepresented 

themselves and have taken thousands of dollars from me, which could have been 

applied to my student loans.

Ortiz Attachment A - 389

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 390 of 511
Page 390

# Reference Number Complaint Date Company Name Complaint Info Comments

1655 99011889 08/17/2018 Ameritech

i was contacted by ameritech just as I was completing the paperwork to go on an 

income based repayment plan through my loan servicer. the person I told them I was 

not interrested because Great lakes was going to give me a $0 repayment based on 

my income. the girl then put me on the phone with her supervisor who tricked me into 

cancelling my repayment through great lakes saying that great lakes plan would just 

cause my interrest in the loan to go up and if I went theough them instead (leading me 

to believe they were going to be my new loan servicer) that they would put me on an 

income based plan of $108/month and if I paid my student loan for ten years that they 

would get it forgiven. after I was contacted by the FTC about the case I found that 

Great Lakes is still my servicer and Ameritech had only completed my paperwork I was 

already working on to get put on a $0 repayment plan and have been keeping every 

penny I was paying them. they lied to me and when I contacted them to ask for a 

refund they denied it entirely.

1656 99011890 08/17/2018 Ameritech Financial

I was under the clear understanding the money they were taking was going towards my 

school loans, I didn't realize that the money they were taking they were holding for 

themselves.

1657 99011901 08/17/2018 Ameritech Finanical

the way the program, i asuumed a paid a small fee to them the first few months and 

then the remaining funds would go towards my loan. i even called back and was told it 

only to keep it in deferment. i dont need help with that for a fee

1658 99011903 08/17/2018 Ameritech they contacted me regarding my school loans and that it could help me lower them and 

avoid them doing garnishing checks i set payment plan witb them for

1659 99011906 08/17/2018 Ameritech

I received a mailing from Ameritech about consolidating and reducing my student 

loans. They told me that I needed to pay a monthly fee of $119 dollars for the first year 

and then my payments would drop to around $100 a month for the next 10 years. 

They had me submit my income verification and my login information to the FAFSA 

website so that they could "verify" everything.

1660 99011927 08/17/2018 Ameritech Consumer got a letter from FTC about Ameritech and wanted to file a report.

1661 99011939 08/17/2018 American Financial Benefits 

Center

I tried to stop the calls and the email, and I don';t know how they got my name, but they 

made it sound like I could have my loan paid in no time. I sent the money thinking it 

was going to the loan but found that I just owe more interest now. I am now driectly in 

contact with the lender and working on paying the loan off. The biggest issue is that I 

have to stay current on my loan or I could lose my job. They still try to contact me and 

ask me to reinstate my contract with them, but it is just easier going through the lender 

and knowing it is going towards my loan so I can eventually have my loan paid.

Ortiz Attachment A - 390

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 391 of 511
Page 391

# Reference Number Complaint Date Company Name Complaint Info Comments

1662 99011944 08/17/2018 Ameritech Financial 

The Loan Advisor From Ameritech told me their was a 1 time $99 dollar document 

preperation fee. He said the itger $359 woukd get me caught up on my liabs abd fet 

them out of delinqiuet. he also said they had submitted my lian forgiveness paperwork 

to fedloan. It turns out they never submitted any of my loan forgiveness paperwork and 

I gad been oaying them each month, not my loan. I paid them a total of $1,000 thinking 

it was going to my loans, and then they continued to charge me $99 membership fee 

tgat I did not agree to and was not informed of. I had to close the account they were 

debiting from in order to get them to stop deducting fees. Even after I told them to 

unenroll me. They are still sending me emails and changed my FSA pin yesterday. I 

logged in and changed it again.

1663 99011978 08/17/2018 Ameritech

This company advised me that they would help reduce my loan payments and after 10 

years the remainder of my loan would be forgiven. They automatically withdrew 

payments but after a while i realized it was just going to thier company and nothing was 

going toward my loan. Complained to them and requested a refund but it was denied.

1664 99011989 08/17/2018 American Financial Benefits 

Center

The company contacted me through email, I believe, back in late 2015. They told me 

that I could dramatically reduce my student loan payment, and that I would pay them 

directly. They mislead me, by having me believe they were my new lender. I kept 

asking clarifying questions throughout the entire year and a half period I was with them, 

because I never fully understood their explanations, but each inquiry (through phone 

and email) was met by a patient and pleasant representative explaining that, yes, my 

loans are being taken care of, and yes, I will still be eligible for my loan forgiveness 

program which I was enrolled in. None of these ended up being true the way I 

understood it. I finally realized the truth after I had spent a year and a half paying them 

I think around $100 per month. My money had not gone toward my loans, but only 

toward their service of applying for forebearance on my behalf (something I could have 

done on my own, and had in the past). When I complained and said I was mislead, 

they ended up giving me back about $600 (after much back and forth). I figured that 

was the best I was going to get, and blamed myself for not understanding correctly 

what they were all about. I reenrolled through a legitimate federal program, and am 

back in a loan forgiveness program, but my 120 qualifying payments had to start all 

over again. I am still very angry about this whole ordeal.

Ortiz Attachment A - 391

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 392 of 511
Page 392

# Reference Number Complaint Date Company Name Complaint Info Comments

1665 99012017 08/17/2018 Ameritech

I received a letter in the mail to consolidate my student loans, so I called the phone 

number on the letter in 2017. I spoke on the phone with a representative for nearly 2 

hours, and they said they would be able to get my loan amount reduced and forgiven 

after 10 years because I worked as a teacher. I was under the impression for almost a 

year that I was paying $109 a month to pay down my loan and partial amount to go to 

Ameritech for their services. Once I received the letter from the FTC, I researched my 

loans, and there hadn't been any payments applied to my balance. In fact, my loan had 

increase because of the interest, and Ameritech had received over $1500 from me. I 

immediately called Ameritech, and they confirmed that my monthly amount was for 

them to monitor and work on my student loans for me, and that I was told my payments 

would not be applied to the actual student loan. I was quite furious and told them I 

wanted to cancel their services because I could have filed my own paperwork to 

consolidate my loan and apply for a forgiveness program. In addition, once the 

paperwork has been submitted to the DOE, there isn't any monthly maintenance 

required, so I do not understand why Ameritech would try to sell that lie for a free $109 

a month. Now I am stuck with an even higher student loan than what I began with. I do 

not have money to simply give away or throw away, and I would request to receive a 

refund, if the courts grant it.

Ortiz Attachment A - 392

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 393 of 511
Page 393

# Reference Number Complaint Date Company Name Complaint Info Comments

1666 99012020 08/17/2018 Ameritech Financial

I received a offer about student loan forgiveness in the mail around October 2016 and 

was told to call the 1-800-792-8621 ext. 0 to get started or for any other questions. I 

contacted them by phone and spoke with someone in customer service and with all 

information sounded perfect I joined on November 1, 2016. I was then contacted by 

email for all contact. They sent me a welcome pack and requested all personal 

information including 30 days paystubs from my employer, previous tax return, bank 

info to debit my monthly payments of $82.00 to them, that I was informed it was going 

towards my student loans, etc. They sent a link also where they changed my FSA 

ID/password and other info regarding my student loans. After my enrollment and 

everything was verified, my payments were debited from my checking account, which 

this went on until I received the information from FTC about the company being a 

scam. I contacted them about the information received and they said it was nothing 

wrong with what they are doing. I asked them about my payments they receiving from 

me going towards my student loans, and he informed me that it was for their customer 

service fee for helping with the forgiveness program. The representative couldn't even 

explained my balance on my loans or anything. I requested all my money I paid them 

back, and he told me that I will not get it all back but they can give me only $200 back. I 

was not satisfied at all and would like all my money that I paid them back. I felt like this 

company was helpful until they couldn't give me no other information about my student 

loans or let me know what was going on with my account. They are untruthful and 

dishonest about everything they tell you. They are not worth dealing with at all and not 

caring about what you paid them for what you thought was payments on your student 

loans. I was not informed at all that I was paying them to deal my student loans, for 

something I can do myselfand have being doing for years. I do have all records of 

payments that were made to them and emails sent to me from this company. I just 

want my money returned to me.

1667 99012028 08/17/2018 Ameritech Financial

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

reports that he was promised to consolidate her loan paying of her student loan. 

Consumer has became aware that payments made to Ameritech Financial have not 

been going towards her loan. Consumer has paid $99/month debited from her account 

for about 3 Years.

1668 99012077 08/17/2018 Ameritech Financial

Consumer had paid Ameritech Financial a monthly fee of $99 for a year to cover their 

student loan consolidation services. So far she has paid them $1188 which has not 

gone towards her student loan debt. She just received a letter from the FTC regarding 

action being taken against Ameritech.

Ortiz Attachment A - 393

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 394 of 511
Page 394

# Reference Number Complaint Date Company Name Complaint Info Comments

1669 99012081 08/17/2018 Ameritech this company mislead me on my student loam payments amd they told me they vould 

lower my debt by me paying them instesd og my normal loan company,i get calls 

letters and emails non stop.its crazy hos they are harrasing me.TOPIC:Referrals

1670 99012092 08/17/2018 American Financial Benefits 

Center

Consumer stated that they received an email from American Financial Benefits Center. 

Consumer reported that he received the email about the lawsuit about Ameritech 

Financial. Consumer was contacted by American Financial Benefits Center to help 

lower his student loan. Consumer reported that they never help pay off his loans. 

Consumer did pay them out of his bank account. Consumer did call his bank because 

his payments has changed and now he is paying his student loan provider.

1671 99012102 08/17/2018 . Ameritech 

I was contacted via mail and phone call by Ameritech. They told us that we needed to 

pay our student loan debt through them. They indicated that they had assumed the 

debt. We set up a direct deposit through our bank and paid them for 8 months or more. 

Then we got a notice from the Dept of Education that my loans were in default. We 

called them and told them that we had been paying them on time. We told them my 

loans were taken by Ameritech. We found out this wasn't the case. We recieved no 

services or aid from Ameritech for all that money. The only thing we got for our over 

1,200 dollars was behind on my loans and hurt credit. Please help me. Thank You1672 99012121 08/17/2018 Ameritech Financial 

Ameritech contacted me through social media and through phone around Februrary of 

2017. I had been ignoring them for a few months, but in October of that year, I decided 

to give it a try. I had been behind on my student loans and they informed me that they 

would consolidate and get my student loans lowered. I would pay them $107.00 a 

month and this would go toward my student loans. I received an email from FTC 

informing me that the payments I made never went toward my student loans. Now, my 

checks are being garnished by the Dept. of Education because I believed this 

company’s deceptive ways.

Ortiz Attachment A - 394

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 395 of 511
Page 395

# Reference Number Complaint Date Company Name Complaint Info Comments

1673 99012155 08/17/2018 Ameritech Financial

I was sent an email about entering a program for student loan forgiveness for social 

workers. I contacted them, they entered me into a 10 year program where my student 

loans would be a lessor payment and then forgiven. I paid $99 a month, they promised 

it would go down to about $5 in a few months, when it didn't go down and I called them 

back to find out when this would take effect they explained that the $99 was what I 

owed them for keeping me in deference (this was not explained to me upfront) and that 

the money I was paying was not going towards my debt at all. Months later when i 

opted out of the program and spoke to Nelnet (my studen loan company) they 

explained I could have entered the program for free through them. I also learned at this 

time when Ameritech asked me for 11 people I provided even Christmas presents for, 

they were counting them as my dependents, which is not accurate.

1674 99012163 08/17/2018 Ameritech Financial

August 7th, 2017, Ameritech Financial called me out of the blue, I had never heard of 

their company. Michael Lindsay, the representative, asked if I would be interested in 

getting a handle on my student loan debt, I said yes, I just have very limited funds, he 

stated they would be able to work with me to give a low monthly payment. After the 

conversation, and him speaking with me about my finances and income, I agreed to 

pay $108.00 per month, thinking it was going towards my student loan debt. Starting 

early 2018, I began to receive calls from Great Lakes Student Loans; I thought this was 

strange, as I thought I had been making payments to them, so didn't understand why 

they were calling. I answered Great klakes phone call in March of 2018, they asked if I 

would be able to begin making payments and explained to them that I had been 

making my monthly payments to Ameritech Financial. I was then advised that I have 

been fraudulently charged by this Ameritech Financial company. Great Lakes was very 

helpful in explaining to me that it does not cost to file any loan documentation with 

them, nor does it cost to pay my student loan debt. Great Lakes then helped me set up 

a real monthly payment for $35.06 per month, which was much more financially 

achievable for me, than the $108.00 that Ameritech Financial was charging me. I would 

be very happy if I could be refunded the $864.00 that I paid to Ameritech and pay Great 

Lakes. Thank you for the time and concern.

1675 99012184 08/17/2018 Ameritech Financial 

I reached out to this company because i was a victim of other company scam for 

student loan rehab. I still pay a monthly fee for this service and this company is not 

doing anything more for fee.

Ortiz Attachment A - 395

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 396 of 511
Page 396

# Reference Number Complaint Date Company Name Complaint Info Comments

1676 99012212 08/17/2018 Ameritech

I enroll in Ameritech and paid on time with automatic withdraws, I was under the 

impression that I was paying for my loans through Ameritech, When one of my student 

loans called me and advised me that I was severely passed due I was advised by 

Great Lakes that they were not paying for anything and that I didn't need them, Great 

Lakes help me and I discontinued services with Ameritech. I paid Ameritech for 7-14 

months and they did nothing for help pay my loans.

1677 99012280 08/17/2018 Ameritech

An Ameritech financial representative came to my school where I teach. He did a 

presentation for the staff, saying that he represents a company called Ameritech and 

they specialized in helping educators have their student loan debts forgiven. I was 

interested because I am a teacher with more than ten years of teaching experience. An 

Americorp representative later called me around July 1, 2016 and explained that by 

signing up, I would bevsaving a lot of money. I liked the offer because I wanted to pay 

off my student loans. Once I signed up, Ameritech began debiting money from my 

back account monthly for a total of more than $1670. Unfortunately, none of the money 

they stole from me was going towards my student loans. Instead, they falsely signed 

me up for some credit monitoring gimmick that I never wanted and claimed that they 

were helping me withvmy finances. I was shocked and disappointed. I work hard for 

my money. So for them to send someone to my job to mislead us and then steal my 

money while I continued to owe on my student loans was vexing. Because they 

continued to debit my account, my actual loans went into a default and I suffered 

negative credit reporting as well. I even put off paying other bills because I thought I 

was paying my student loan debts down with Ameritech. I was betrayed by this 

company because they totally misrepresented themselves to me. All I wanted was to 

pay down my debt, not to incur additional burdens in the form of delinguencies and 

negative credit reporting while I was being robbed by a so-called company.

1678 99012285 08/17/2018 American Financial Benefits 

Center

This company contacted me in the past. My exact dates may not be accurate. They 

advised they would get me a 0$ repayment plan that would expire my student loans 

completely by the time I was 55 or something? After paything them the 50$ fee every 

month for about 2 years, I finally realized they were pointless. My loan servicer let me 

know that companies like this exsist but do not really do anything I cannot do myself. At 

that point, I cancelled their services and got confirmation of cancellation. They 

continued to bill me for 3 more months until I realized I was still being charged after 

cancellation. They ended needing to "finalize" the cancellation or did not do something 

right I was told. They are no longer charging me but I paid this scam company for 2 

years I would say. Can get exact dates and payments as needed, but I was definitly a 

victim of paying this company for nothing for a long time.

Ortiz Attachment A - 396

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 397 of 511
Page 397

# Reference Number Complaint Date Company Name Complaint Info Comments

1679 99012293 08/17/2018 American Financial Benefits 

Center

Consumer reports he received an email advising him of a law suit being brought 

against American Financial Benefits Center concerning student loans. Consumer says 

his student loans were never paid.

1680 99012294 08/17/2018 Ameritech Financial

A representative from Ameritech called me in 2016 and said I qualified for a loan 

consoladation as well as the income driven program to repay my student loans. They 

said they were a company with the federal student loan and would be able to handle 

my case. They had access to all my information and asked that I sent them tax returns 

in order to determine if I qualified for the program. I did and they told me that my 

student laons would be paid through them. I sent them $207 every month for about 7 

months then I lost my job and the payments went down to $99 until now. I thought all 

these payments that I was paying was going to my loan. I never used any of the 

services offered by the company so I didnt think I was paying them. I heard companies 

were helping out with student loans and I thought this was one of them. I have been 

working at non profits for over 10 years becasue my heart is for the community. To 

know all this time I thought I was paying my loans is very disheartening, especially 

because I received a statement from Nelnet each month indicating that my balance 

was zero. I thought this was becasue Ameritech had taken care of it for me. I struggle 

to pay my bills and make these Ameritech payments, which is why I qualified for the 

income driven payments in the first place. Thank you for your consideration.

1681 99012298 08/17/2018 Ameritech Financial

From my experience with Ameritech Financial, initial I believed they would help me with 

my student loan debts. On the contrary, they have misled me with information that I 

was supposed to finish paying my full student loan amount in 33 months of paying. 

When I called to get an explanation on how it actually works after signing all papers, an 

agent told me that I will be done paying it off in 27 years, which was unbeknownst to 

me. This amount that I would be paying each month would surpass tremendously the 

amount of my loan which was at the time of $55954. I wanted to cancel my 

membership with them and the agent informed me that I would get sued by them If I 

cancel, so I reluctantly continued. Now finding out about a lawsuit against the company 

I am able to come forth and tell my side of it all. Please help with my issue because 

this has been affecting my credit score since I have refrained from paying them due to 

this lawsuit.

1682 99012326 08/17/2018 Ameritech financial 

1683 99012395 08/17/2018 Ameritech The consumer reports she received a letter from Ameritech. The consumer reports 

they were offering to help her get her student loans paid off. The consumer reports she 

has been paying $132 for the past 17 months but it hasn't went towards her loans.

Ortiz Attachment A - 397

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 398 of 511
Page 398

# Reference Number Complaint Date Company Name Complaint Info Comments

1684 99012468 08/17/2018 Ameritech Financial

so someone called me and said they are a company that lowers student loans and 

things as such. i dont remember exactly who because it has been over a year. I started 

their services in May of 2017. I have been paying them $82 a month since then for 

what i thought was my loans. I thought it was fine because i would get letters from 

salley mae and great loan borrowers saying that I owed nothing, but i see that may not 

be the case. I am just a little confused but now I am a littler freightened like where has 

my money been going? that would be nice to have it back so I can actually pay off my 

debt. I liked Ameritech but now that I know they have lied to me I am nervous because 

they never told me the money was not going to paying off my student loan debt.

1685 99012524 08/17/2018 Ameritech

 I was concerned about a student loan that was in default and I wanted to correct my 

situation. I contacted them about getting on the right track to repair my status. I had to 

pay an initial fee of more than a hundred dollars and then I paid almost another $400 

dollars for loan payment. Then the follwing month I dedcided to check on my payment 

and I was told that money was for their services and no payment was applied to the 

loan. I was so furious I at that moment I can't remember the reasoning behind it. I 

immediately cancelled my services and no money was refunded to me.

1686 99012561 08/17/2018 American Financial Benefits 

Center

Consumer reports she was working with the company, American Financial Benefits 

Center, and she has paid over $5127 to them and none of that money has gone to her 

student loans, the company kept it for their fees and services. Consumer state she got 

a letter form them initially and started paying them $179 for the first 12 months and 

then $99 after that to consolidation to a Federally backed loan at a lower interest rate. 

Consumer was told she was eligible for a loan forgiveness because she is a teacher.

1687 99012611 08/17/2018 Ameritech

Consumer received an letter from Federal Trade Commission regarding her lawsuit on 

Ameritech. She was told that her student loan would be consolidated. Her payment 

would be reduced from $500 into one lump. She is suppose to be paying $127 a month 

till March of 2018 which she started to pay $100.

1688 99012646 08/17/2018 Ameritech/GCS

I began to realize in 2017 that they were not allowing me to pay my loan directly. They 

kept charging consistent fees and as I began to notice not all of it applied to my loans. I 

was told there would be a one time fee, not several. I cancelled after my 7/18/17 

payment. I also did not trust their being able to change passwords. FedLoan was direct 

and without fees after the fact.

Ortiz Attachment A - 398

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 399 of 511
Page 399

# Reference Number Complaint Date Company Name Complaint Info Comments

1689 99012751 08/17/2018 Ameritech Financial

I received a letter from Ameritech financial regarding paying off my student loans. I was 

told they could lower the amount I owed as well as my monthly payments. I do not 

rememver the exact details, however I paid around $200 for their fees. I had myself (a 

university graudate) and my Dad (a master’s graduate) review the information and talk 

to a representative. Everything at the time seemed to make sense. I went ahead and 

started the process. I gave the company my personal information as well as my loan 

information. Shortly after committing to them, I did not feel right about the process 

anymore. I tried to call the company. After getting the run around, I finally got to speak 

to someone. They were rude, gave me the run around again, and were extremely 

vague in their answers. I knew they couldnt be trusted with my money and loans. I 

called to cancel my account and I was made to jump through more loops. I was never 

refunded any of my money and the money I paid them never went towards my loans. 

This company is a scam!

1690 99012778 08/17/2018 Ameritech Financial

When Ameritech contacted me in 2017 they gave me the impression that I was paying 

them so much money that was then parceled out to my Student Loans. They took 

$82.00 out of my account every month until I canceled. I thoroughly believed that they 

were paying my student loans and that by the time I was finished paying so much, then 

I might have my loans forgiven. They never contacted me in any way after I signed up, 

just took the money every month. I never used any services that I know of. I did get 

emails from time to time from Navient saying that my account information had been 

changed or updated. I trusted them. It was difficult at times to pay that $82.00 a 

month, almost a hardship. When I received the first notification from FTC I was 

stunned. I was like, "Where's all my money going!" I'm angry about this and if I can 

get my money back that would be great!

1691 99012802 08/17/2018 Ameritech Financial

I was contacted by Ameritech Financial to help me get in an student loan forgiveness 

and consolidation program. They put me in the incorrect loan forgiveness program. 

After several months my father and I did some research on this program to find out 

they were a fraud. I then tried to cancel my membership with them and the struggle 

began. It took me several months to fully cancel and for their company to stop 

charging me a monthly fee. During my first year of paying my student loans, Ameritech 

financial set up a payment of $52 that went to my student loan program and they were 

charging me $180 a month fo nearly 10 months.

Ortiz Attachment A - 399

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 400 of 511
Page 400

# Reference Number Complaint Date Company Name Complaint Info Comments

1692 99018225 08/17/2018 AmeriTech Financial

So American financial called me about a year ago or so. I at the time was paying my 

loans to Navient. This lady represenative in which I forgot her name stated that Navient 

at the time were in a lawsuit, in which I believed her and listened to her talk. This lady 

took my phone number,my email address, card information, social security card etc. I 

felt like as if I really had no idea what I really signed up for with American Financial. I 

don't even understand how they even obtained my phone number. So now I have to 

pay $80.00 every month in which a third parrty drafts from my account named RAM 

drafting. I just would like more understanding of all this mess and if possible to stop 

paying those $80.00 payments, that I thought was going towards my student loans. I 

also receive countless emails from American financial about the same documents I've 

sent to them which is very annoying.

1693 99018234 08/17/2018 American Financial Benefits 

Center

They offered me help to lower my student loans and eventually have them forgive. All I 

needed to do was pay $98 a month for 25 years and 800 for documentation 

preparation. When I first spoke to someone over the phone they promised that through 

them my student loans would be forgiven right away and they would tame nel-net. For 

somebody desperate to get rid of student loans it sounded to good to be true. I had 

already been conned by WESTWOOD COLLEGE I was not about to again. So I did my 

research and found out that everything they were offering to do was absolute free. It 

was just a matter of asking the right questions. Once I called to cancel they offered me 

to waive the doc prep fees and lower my payment to $25. Here's a copy of an email to 

them; Good morningI have a questionI understand that I will be paying the $800 for the 

preparation on the docs...but now will I have to pay you guys the $98 for the whole 

25yrs??That's about 30,000......to you guys not including the interest I will be paying to 

my loan which can very from year to year.I am just not sure about thisyou guys don't 

offer anything in writing stating everything will drop after the 25th year. And is that from 

the moment I signed with you or when I start paying the interest?? They are scamming 

desperate people and it is not right. The money I gave to them could have gone to my 

loans instead someone used it for personal gain.

Ortiz Attachment A - 400

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 401 of 511
Page 401

# Reference Number Complaint Date Company Name Complaint Info Comments

1694 99018259 08/17/2018 Ameritech Financial

When I first contacted them they told me write down everyone i buy gifts for and that 

will make me be approved for the income based program. I questioned this 3 times 

and everyone told me the same thing. So that is what i did. Next thing i was getting 

$50 a month taken from my account and then an additional bill from Federal Loan. I 

called and questioned and they told me that was correct. When the year was up and i 

had to send all my fax information to them. This time it was different. I no longer 

qualified and the last payment of $100 was taken from account. I felt that I was lied to 

and my student loans were now neglected for an entire year with hardly being paid 

down. I even said at one point to the guy that I should have never signed up for this. 

They also went info my account and changed my password for me on several 

occasions. Which i didn't understand why they had to do this. I am glad it was only 1 

year but I feel like they stole and lied to me the entire time.

1695 99018296 08/17/2018 Ameritech Financial

Consumer received a letter from FTC. Consumer states the letter was referring to the 

Ameritech Financial, Financial Education Benefits Center (FEBC). Consumer states 

they are falsely claiming the consumer was eligible for federal programs that would 

permanently reduce their monthly debt payments to a fixed low amount or result in total 

loan forgiveness. Consumer states has lost $320. Consumer has tried contacting them 

with no response.

1696 99018388 08/17/2018 American Financial Benefits 

Center

We were contacted in March of 2015 on having an easier way to pay off my student 

loans. We got all the paper work and filled everything out. Everything we had looked 

professional and real. Then we started making payments to them of $200 for the first 6 

months then $100 for the next 6 months. Then the direct withdrawals of $50/ month 

after that until now. My student loan company Nelnet has contacted me and told me 

that not one single payment has been made and after looking at my credit report it 

shows that not one single student loan payment has been made. After contacting the 

AFBC company today they told me that they were making the payments and that the 

fees they are collecting from us was for a documentation fee and they would have to 

review it to see if they could cancel it. Then they said they wouldnt refund us any of our 

money. We have paid them over $3,000 the last 3 years for them to do absolutely 

NOTHING for us.

Ortiz Attachment A - 401

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 402 of 511
Page 402

# Reference Number Complaint Date Company Name Complaint Info Comments

1697 99018403 08/17/2018 American Financial Benefits 

Center

I recieved a mail from AFBC stating that they can help me lower my student loan debt. 

I contacted them and they explained that they can get me a forebearance and 

decreased my debt amount. All I had to do was first pay an $800 company fee and 

then debt the amount of $159 towards my student loan monthly. I payed the program 

fee and allowed and saw that a check for $99 was withdrawn from my account monthly 

from AFBC towards my student loan. After paying an amount of $2,563 in total to the 

company over about one and a half years, I went to check my student loan debt on the 

governement site and saw that no payment was ever made. I complained to the 

compnay numerous time asking for questions but no one responded to me. I then 

asked my back to put a stop from AFBC from withdrawing any more money. But I still 

lost $2,563 to the company for nothing. It was no help trying to contact them...I was so 

frustrated I just gave up.

1698 99018464 08/17/2018 American Financial Benefits 

Center

Consumer states she paid 600 the American Financial Benefits Center. She paid in 

02/2018 and 03/2018. This was for a loan forgiveness program. She found out by a 

friend that the payments weren't going towards her loan.

1699 99018562 08/17/2018 American Financial Benefits 

Center

Consume calling to get information about the lawsuit against American Financial 

Benefits Center. Referred him to FTC.gov. Consumer states the company used to be 

called College Fund Life Division.

1700 99018594 08/17/2018 American Financial Benefits 

Center

I was contacted 2 years ago re: student loan forgivenss. I enrolled and I they have 

been debiting $99 each month from my bank account to handle my oustanding student 

loan debts. It was explained to me that this will happen for 10 years, and at the 10 year 

mark of them taking timely $99 payments, my student loan balance will be cleared and 

in good standing. I was NOT aware that my monthly payments were not being paid by 

AFBC to my student loans, and were just fees for their products and services. I am 

upset about this and feel I was duped

1701 99018606 08/17/2018 AFBC

I contacted AFBC because I had mulitple student loans and had been looking to 

consolidate those into one payment that was afforadable. I was offered a consolidation 

as well as a loan payment reduction possibility. I was asked to pay $1295 and another 

$600 in installments for the initial services. I paid 49.95 every month afterward. What I 

came to find out is that the forms that they were filling out for me I could do on my own 

for free! I paid this company over 3,000 for something that was available to do on my 

own. They made it sound like they were negotiating on my behalf, when in fact they are 

open programs 100% based on my income, nothing else.

Ortiz Attachment A - 402

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 403 of 511
Page 403

# Reference Number Complaint Date Company Name Complaint Info Comments

1702 99018614 08/17/2018 AFBC/Ameritech

We were first reccomended to join AFBC by a co-worker because of their ability to 

lower our monthly payments. after 3 years with them, we found out about this lawsuit 

and have since cancelled our accounts with AFBC. We were being charged $99/month 

for AFBC to essentially submit paperwork for us. We have also realized that AFBC 

essentially was altering documents to make our payments lower that we just found out 

today could have caused us to be prosecuted. For example, we were told that we could 

pretty much claim anybody who we have given money to (birthdays, holidays, etc) as 

dependents, so our applications had 8 dependents on it. We also found that they gave 

myself an income of $26,000, when i make over $50,000 a year. So not only did they 

open us up to get in trouble for these things but now we have gone from making 

12/month payments for both my wife and i combined, to now paying almost 

$400/month. We feel we have been duped by this company and basically wasted years 

of paying on this mountain of debt we have from our student loans. We would like to 

know what we can do to get our moneh back from this company.

1703 99018637 08/17/2018 Ameritech company was taking my money on a monthly basis i thought it wenttowards my student 

loans.

1704 99018736 08/17/2018 Ameritech

I was contacted by Ameritech to help pay my student loans. I have been paying them 

$108.00 a month every month for about a year. I was notified by e-mail that my student 

loan was 70 days past due, but have been paying Ameritech every month. I was then 

notified by mail that there was a lawsuit pending against Ameritech. I'm now wondering 

where my money has gone and if there's a way to get it back because it looks like they 

havent been paying my student loan. UPDATE 08/17/2018 Consumer called in to get 

info about Ameritech case. 

1705 99018757 08/17/2018 Ameritech

The consumer received a letter from the Federal Trade Commission regarding the 

Ameritech legal action recently taken. She had joined them in 2017 after they called 

her and made 99.00 per month payments for total of over 1,000.00. They reassured 

her several times that her payments would go towards the loan. She states that when 

she called the number on the FTC letter, the person she spoke with told her that in the 

past she failed to update information to them so she does not qualify for any 

reimbursement. She states this is not true, she submitted everything they asked for. 

Sent email.

1706 99018776 08/17/2018 American Financial Benefits 

Center

AFBC contacted me in 2015 telling me that I can make small manageable payments 

on my Student Loans through their company. If I made the Payments of $99 every 

month for 20 years then my Student loans would be forgiven. In all, I've paid AFBC 

about $4000, all the while contacting massive amounts of interest on my students 

loans that have not received any payments. My student loan balance has gone up 

from $63K to over $69K.

Ortiz Attachment A - 403

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 404 of 511
Page 404

# Reference Number Complaint Date Company Name Complaint Info Comments

1707 99018784 08/17/2018 Ameritech Financial 

I was contacted back in May 2017 asking me if I was looking at reducing or ending all 

my student loans. The women on the phone was extremely convincing explaining that 

the loans I had would decrease by $80,000 resulting in me only owing at most $25,000. 

She explained that all I would need to do is pay $395.00 a month which would be put 

towards my loans and would help show they are being paid off. I would do this for 2 

years then would receive a letter stating that the Department of Education has changed 

my loan decreasing it down to $25,000 which was a major change. She required tax 

information including pays tubs and any payments I made on loans in the past. After 3 

months of paying, I received a phone call from Navient explaining they haven't received 

any payments n my loans and questioned me as to if I made payments. It was during 

this time I found out that Ameritech was taking my money and not putting it towards my 

loans at all. I ended up calling Ameritech and cancelling all services immediately after I 

threatened them by calling BBB because they wouldn't let me out of my agreement 

saying I was contracted to them.

1708 99018791 08/17/2018 Ameritech

i have paid Ameritech for almost 3 years and none of that has gone to my student loan. 

ive called and complained and the lady told me i have 18 yrs left to keep paying. i 

asked for a copy of my payments and its not right. i am to scared to change the 

account bc i do not want to start all over and loose the money i have paid. please help 

advise

1709 99018821 08/17/2018 AmeriTech Financial

i was contacted by this company Ameritech Financial , to help reduce the payments on 

my federal school loan. I gave them my accoint information so that i could pay the 

monthly free for their sevices.They told me they couldn’t provide statements or receipts 

where the money was goong until the second year. The first year was payments of 

$299 a month on the 30th for covering their fees & the additional years was payments 

of $99 every 30th of the month towards my school loan . No of these payments 

effected my loan account & they are continuing to withdraw money out my account till 

this day! i receive a notice that they are being sued by FTC & i will be glad to assit 

them with any information to get these crooks out of business! I also would like a full 

refund all the money they stole from me so i can actually put it towards my school 

loan!TOPIC:Referrals

Ortiz Attachment A - 404

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 405 of 511
Page 405

# Reference Number Complaint Date Company Name Complaint Info Comments

1710 99018825 08/17/2018 Ameritech Financial|RAM 

Services

May 15, 2018, I called Ameritech Financial to discuss the possibility of getting my Fed 

loans refinanced. By the next day, an employee named Elsie Washburn called and 

said, "the president has authorized a new program to help reduce students loans". 

Washburn requested I fax her a lot of personal documents (Fedloan servicing acct, 

employment & bank info., etc.) to 888-334-6281. I was also asked for my password to 

access the NSLDS data base, other personal information and then signed a financial 

agreement (not a contract). They committed fraud telling me my payments were going 

towards my loans, when they were actually going directly to "Ameritech financial!" I 

paid them 2 payments in June/July 2018, about $150. Recently I got letter from the 

Fedloan Servicing stating my Forbearance has expired. Next day, a letter from the FTC 

about the lawsuit. I couldn't believe what was going on. I started a complaint by phone 

w/FTC - Ref. #97605355. I also contaced a supervisor at Ameritech. He made a fool of 

himself. I demanded he cancel my agreement immediately. July 11th, I received his 

email confirming the closure of my case. I also contacted of RAM 

Servicing and demanding they stop the autopay from my Chase bank. Everything 

Ameritech said to me was a lie. They need to go to jail.

Ortiz Attachment A - 405

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 406 of 511
Page 406

# Reference Number Complaint Date Company Name Complaint Info Comments

1711 99018834 08/17/2018 American Financial Benefits 

Center

 

Manager, about a student loan program that would decrease my monthly payments on 

my outstanding federal student loan balance. I was told by AFBC that they achieve this 

by utilizing the William B Ford Act along with other federal student loan income based 

repayment practices like Income Based Repayment (IBR), Forbearance, Contingent 

Repayment Program (ICR), Income Driven Repayment Plan (IDR) etc. AFBC told me 

that through this program I would be able to make decrease student loan payments 

and have my remaining student loan balances forgiven after 10 years of consistent 

monthly payments made through AFBC. AFBC told me I was eligible for these 

programs based on their formulation of my income/debt/dependent burden ratio. AFBC 

stated they would fill out the paper work per information I provided to them via tax 

return documents, pay stubs, proof of employment, bank account information and I 

would sign the documents. AFBC had me sign the blank documents and forward to 

them to fill out. AFBC told me I had to make an onetime payment of $800 either up 

front or over the course of 8 months as a servicing fee to pay AFBC for servicing my 

loans and maintaining the aforementioned income based repayment programs over 

the life of my loans (10 years then forgiven). Additionally, AFBC told me I still had to 

make monthly payments towards my student loans, but it would be through AFBC and 

at the new low monthly payment that AFBC was able to acquire for me due to their 

program’s paperwork submitting/filing to my student loan provider. AFBC told me my 

new monthly student loan repayment was $100/month due to my ratio of income, debt, 

and dependents for the life 10 year life of the program after which the remaining 

balance would be forgiven and $100/month payments would cease. I was highly 

skeptical, but after reading reviews on their website, verifying AFBC standings with the 

Better Business Bureau, and several counseling sessions with AFBC where they 

promoted the honest success of their program; so I signed up. It’s clear that AFBC 

understands the psychological turmoil that comes with realizing the finical burden 

student loans place on finances when trying to start a life after college and raise a 

family. AFBC utilized these notions to promote a product that plays on these 

emotional/financial struggles. It was impractical to pass up an opportunity to gain more 

ground on financial freedom and provide a decent life for my family. Payments to 

AFBC have been automatically drafted from my checking account since Nov. 2015. I 

Ortiz Attachment A - 406

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 407 of 511
Page 407

# Reference Number Complaint Date Company Name Complaint Info Comments

1712 99018929 08/17/2018 American Financial Benefits 

Center

The company, American Financial Benefits Center, contacted me stating that they 

were a company that would help me with my student loans. They stated that with a 

small fee, they would work with the federal student aid and my student loan company 

to get me on a student loan forgiveness program. What they failed to mention is that 

they were going to be lying about my family status in order to have my student loan 

payment reduced. For the last four years, I thought that my time in at my job, a nonprofit organization, was contributing to my loan forgiveness program which is why my 

student loan monthly payment was $0.00. Recently I decided I needed to look further 

into this company and that is when I found out they had been using false information. I 

realized that for the last four years I have been paying them to help me and all they did 

was lie to get my monthly payment to $0.00. Now I have an outstading student loan 

balance of almost $6,000 more than I did before I started with this company and 

approximately $4,500 that had been paid to them. In total I will have lost over $10,000. 

This company needs to fully reimburse the customers that it said they were helping and 

be shut down.

1713 99018936 08/17/2018 Ameritech

i was contacted by ameritech claiming they could manage, consolidate and reduce my 

studemt loan debt. i paid monthly thinking my student loan was being taken care of. I 

paid that company for 2 years. I was recently contacted via a representative from the 

student loan company telling me i was about ready to default. I explained to the 

representative I had been paying via Ameritech Financial. She informed me that is not 

what had been happening. And encouraged me to reach out to Ameritech to clarify. I 

called Ameritech financial and got the runaround at Via a representative . It was at this 

point I expressed my frustration and asked to end my monthly payments with them..

1714 99018951 08/17/2018 AmeriTech Financial

I was looking at a way to lower my student loan payments and compete the student 

loan forgiveness forms. They advised me they could help. I was very skeptical but after 

speaking with a manager the convineced with information from the BBB and a website 

from a college investor type thing. They could never get my student payments lowered 

as they advised but still took my money monthly. Ended up cancelling service after 10 

months of no changes.

Ortiz Attachment A - 407

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 408 of 511
Page 408

# Reference Number Complaint Date Company Name Complaint Info Comments

1715 99018968 08/17/2018 AMERITECH FINANCIAL 

CUSTOMER SERVICE

I contacted them regarding the consolidation of my student loans and to see what 

program I qualified for with them. They contacted Nelnet and got them consolidated 

and gave me a monthly payment of $100 since 9/8/16. They ensured me that the 

payments were going toward my student loan. I never knew anything about a fee to 

service the loan. It would not make any sense to pay a company a fee to just service 

my loan. This is awful they have taken advantage of me and so many other innocent 

people. I do want all my money back which is about $3100.00. How can a company be 

so deceptive and tell clients that the payment is going towards their student loan and 

clearly it is not! Please let me know if I need to do anything else regarding this matter.

1716 99019158 08/17/2018 Ameritech Consumer got a letter from FTC about Ameritech and consumer wanted to file a 

report.

1717 99026791 08/17/2018 Ameritech Financial 

I was contacted some time in February by ameritech. they claimed to want help me get 

rid of my loans and made me believe they were a government agency. befriended me 

and convinced me that they were going to help me with my school loans by 

consolidating them and making the overall payment a lot smaller. saying that with just 

small payments for now would help me get into good standing. i was under the 

impression that my payments were going towards my school debt. they did not inform 

me that i was paying their fees or would even have to pay for their services. i paid 

$440.00 to them in small payments because thats all i could afford. and now i dont 

know who im supposed to pay my fees to.

1718 99026809 08/17/2018 Ameritech Financial

Consumer reports they were contacted by Ameritech Financial offering to lower their 

monthly student loan payment and loan forgiveness. Consumer reports they were 

paying at rate of $99 a month, but initially had to pay $800 to set up the service. 

Consumer reports none of their payments have gone towards the loan. (Consumer 

was notified by a letter from FTC)

Ortiz Attachment A - 408

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 409 of 511
Page 409

# Reference Number Complaint Date Company Name Complaint Info Comments

1719 99026823 08/17/2018 American Financial Benefits 

Center

AFBC contacted me by postcard in 2013 about my student loans. I signed up with their 

services, paying a $1200 sign on fee and then $49.50 per month maintanence 

fee,which began in January of 2018. I graduated with my PhD this August and have 

been communicating with AFBC since 2017 to begin to get prepared to pay back my 

student loan. Originally, I was told my payments would only be $56 a month for 25 

years and the rest would be forgiven. When I called back in January 2018 when my 

debit card was charged $49.50 with no warning, I was told that was not the correct 

amount and that my new amount was $522 a month plus a $49.50 maintanence fee 

monthly. When I asked why there was such a descrepancy, I was told that the number 

of family members living with me was reported at 10 rather than the 2 that I told them 

originally. Each time I have called AFBC, I have received different information and a 

different amount that I owe. Upon calling them to cancel my services with them today 

(8-17-2018) I was transferred to a supervisor named Paul who continued to tell me 

how Nelnet had lawsuits against them and that they were a company just for profit and 

I would be putting my loans at risk cancelling with them. I had to ask him several times 

(5 to be exact) to cancel my membership and then he became rude, told me he would 

cancel my account immediately and good luck paying back my large loans. I am still 

unsure if my membership has actually been canceled because I was told I would 

receive an email confirmation and never received one. All I received was an automatic 

email saying my customer service inquiry had been completed and closed.

1720 99026834 08/17/2018 AFBC

I called to cancel my account with AFBC about a year ago and they talked me into 

staying because with them my student loans would be forgiven after 25 years if I still 

had a remaining balance. They made it seem like they were the only ones that could 

offer that and that I get a better payment using their services. I called the student loan 

company and the representative informed me that I could fill out the income based 

payment form on my own without them and that the same rules apply, that it is at a 

goverment level not just through their company. Shame on me for believing them and 

getting scammed out of $50 each month for something I could have done myself. Very 

misleading.

1721 99027024 08/17/2018 Ameritech

Consumer got a letter in the Mail from the FTC about Ameritech and wanted to file a 

report. Consumer stated she signed an authorization form and to sign paperwork 

consumer did not comply.

Ortiz Attachment A - 409

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 410 of 511
Page 410

# Reference Number Complaint Date Company Name Complaint Info Comments

1722 99027184 08/17/2018 AmeriTech Financial|Global 

Client Solutions

 

student loan debt. One 22 June 2016, I called to inquire. I spoke to Tim Robbins, who 

asked a series of questions about my loan and monthly payments. He said I qualified 

for services and could get my monthly payments reduced and qualify me for the loan 

forgiveness program. He told me there was an initial fee but that my student loan 

payment would never exceed $100 which was built into my monthly payment. I 

qualified for a Income Based Repayment (IB) plan. I signed up and completed several 

documents. I signed up using ACH payments which were withdrawn from my checking 

account monthly by Global Client Solutions. I had to provide account information from 

the loan providers website and I did. I completed the PSLF and had my employer 

confirm my employment and submitted to Ameritech. In February 2018, I read a Fraud 

alert notice from FTC about Ameritech and several other companies defraud clients. I 

went back to my program documents and confirmed the payment schedule. I then 

contacted the Dept of Education and found out no payments had been made on my 

account and I was not enrolled in the loan forgiveness program. I immediately 

contacted Ameritech and requested to speak with a supervisor or manager. My 

information was taken and I was told someone would call me back. On March 9th, I 

contacted the Better Business Bureau and reported a complaint (# ). A few 

days later, I had a missed call and email from Isaiah McCall, supervisor with 

Ameritech. I returned the call and discussed my loan status, payments and 

cancellation in the program. I requested a payment history reported and requested 

refund on fees paid. I was told that my monthly payments to Ameritech were not for my 

student loan but documentation processing which happens once a year and in my case 

didn't happen in 2017. I asked directly for an explanation but did not receive a 

response. I was informed FedLoans had not received a the PSLF document and once 

that was provided my status in the Loan Forgiveness program would be updated. I 

completely the new form and provide Mr. McCall a copy and uploaded it to the 

FedLoans website. My cancellation with Ameritech was confirmed March 2018 but I 

am still out $2,800.00. I received a letter from Ameritech on August 10th, 2018 

informing me that Ameritech filed a lawsuit against FTC and as a former client they 

wanted to hear about my experience. I provided a unsatisfactory feedback and will 

continue to use what avenues I have to inform others and fight to get my money back.

Ortiz Attachment A - 410

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 411 of 511
Page 411

# Reference Number Complaint Date Company Name Complaint Info Comments

1723 99027204 08/17/2018 AmeriTech Financial

I have ask several time to quite making payment, they lead me to believe if I did I 

would cancel the loan. I didn't finish giving them my paperwork and they still would not 

give my money back even though the said I could cancel at any time. When I finally got 

thought to someone to help me he would not give me my money back it. I was on hold 

for 2 1/2 hours before I got my money back then they kept more than 1/2 for not doing 

anything on my loan because they didn't have any of my paper work. I was already in a 

payment plan and they didn't tell me. I was in tears when I finally got off they phone 

with them. They stole my money and didn't do anything to help me. And they still 

wanted payment. I have receive mail and email telling me that this law suite would be 

over soon and I should come back to them because nothing will happen to there 

company.

1724 99027222 08/17/2018 AmeriTech Financial

This company contacted me stating they could provide loan forgiveness if i pay an 

income-based payment every month to Navient, my student loan provider. If I made 

the $50 payment every month, my loan would be forgiven after the 120th payment. Is 

this a real possibility?

1725 99027322 08/17/2018 American Financial Benefits 

Center AFBC

To whom it may concern, When I signed up for this service, I was told that if I 

maintained consistent monthly payment, my debt with Department of Education would 

be forgiven and/or paid off after 10 years. I was also told not to respond to any of my 

lenders as they "would be upset that I have moved into a debt relief program" I am 

asked every year to provide my tax returns to remain eligible in their program. Not once 

was I ever told that this was only a form preparation service. I am appalled that my 

money has gone no where except to pad their pockets. I really thought this company 

was there to help me with a large payment of over $400 a month...now to get back into 

payments again, it will be much more. I've been with AFBC for over 4 years now with 

payments totalling over $5000. Please help me get back the money I have paid. 

Thank you, 

1726 99027427 08/17/2018 Afbc just very upset that this compay woukd take advatage of a lot of people. i have lots a 

lot if money and thought i was in good hands Other-Other Update

1727 99027575 08/17/2018 American Financial Benefits 

Center

The consumer received an email from the FTC concerning the lawsuit against 

American Financial Benefits Center. Consumer had signed up with said company an 

has paid about 2,000 dollars. Consumer states nothing has been done to help her.

Ortiz Attachment A - 411

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 412 of 511
Page 412

# Reference Number Complaint Date Company Name Complaint Info Comments

1728 99027635 08/17/2018 AFBC

In September of 2015 I received an offer in the mail from AFBC to help reduce my 

student loan payments of $622 a month. As I was nearing retirement and still owed a 

LOT of money, I called the number and spoke with rep. Aryan Carrafa. He kept me on 

the phone for hours, gathering my financial information, credit card information, 

expenses, and the like. He said If I was approved for the program, I would pay $99 a 

month for 12 months plus an annual AFBC program payment of $400 for a total $1588. 

However, there is a second $400 charge in my paperwork which I still don't 

understand making the grand total $1988. (I still have all of the paperwork on my 

computer if you want it.) The next day I did some online research and contacted AES 

(which has my student loan). The AES rep informed me that the goverment offers 

these better payment plans for FREE and that AES would help me apply at NO COST. 

I also was informed that my monthly payment only would be guaranteed a year at a 

time meaning every year I'd have to reapply for reduced payments that the government 

might or might not approve depending on my income. If I was not approved, I would 

owe all of the interest I had not paid the year before plus have a higher monthly 

payment. I got nervous and let AFBC know that I had changed my mind. Indiana has 

a buyer's remorse clause so (with much difficulty) I was able to cancel the contract 

without paying AFBC any money. In closing, I just want to say that these people 

should be shut down. The sales pressure, unfair charges, and unclear explanations of 

student loan laws are designed to take advantage of people who are struggling to pay 

for their loans. Thank you for looking into this, 

1729 99027654 08/17/2018 American Financial Benefits 

Center

I started receiving spam email messages about their services. At the time, early in 

2011, I was struggling with moving my loans to the FedLoan program so I could take 

advantage of working for a public institution. All efforts to work with my commercial 

lender were fruitless. I contacted AFBC because their website indicated they could 

help with applications to FedLoan and with moving student loans from commercial 

lenders to FedLoan. They did take a fee with several ongoing payments for maybe 3 

months. They did make it clear that any money I paid to them did not go to payment of 

my student loans. While I I questioned the ethics of their tactics, they did provide the 

service they promised. My loans were indeed moved to FedLoan and I was placed in 

the Public Service Loan Forgiveness program. I have since ceased contact with the 

AFBC organization.

1730 99027688 08/17/2018 AmeriTech Financial

i have obtained tge suit information and have so far retrieved a years back pay from 

this institution. Tget claimed I was in the William D Ford act program and would save 

thousands of dollars on my student loans using their program. I paid them thousands 

of dollars since their first contact on Oct 11, 2016.

Ortiz Attachment A - 412

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 413 of 511
Page 413

# Reference Number Complaint Date Company Name Complaint Info Comments

1731 99027710 08/17/2018 Ameritech

Consumer is calling saying he had signed up with Ameritech and he had said he had 

made 129 dollar payments a month so they can forgive his loans. Consumer says they 

had told him that he was able to cancel his membership but all of the money he is 

paying is for there fee.

1732 99034952 08/17/2018 American Financial Benefits 

Center

The first payment I had to mail this company a check and afterwards they started 

taking $99.00 a month out of my account. In January 2018 I contacted this company 

because I was transferring my account to another provider because I noticed my 

student loan was staying the same. This company was to consolidate both loans and 

after 6 months start paying toward my student loan. Well when I contacted them the 

agent informed me that the $900.00 dollars I had already paid this company could not 

be repaid to me because it was going toward the paper work that this agency had filed 

on my behalf with the Department of Education. And when the loan was transferred it 

was still in the amount when I first switched to this company in 2015.

1733 99034993 08/17/2018 AmeriTech Financial Services

I wanted to submit a third complaint offering up the other address used in their email 

communications. I also submitted the complaint through the mortgage area. When I 

called Ameritech to tell them to camcek and I want a redund, the Supervisor who called 

back said I would not get my funds back very rudely and said they were suing tge FTC 

for wrongful suit. I dont know what to do other than to wait this suit out.

1734 99035014 08/17/2018 American Financial Benefits 

Center

I was contacted about student loan forgiveness. I spent a few back and forth calls and 

emails and ended up sending them my loan servicer information. I was told to make a 

down payment and $99 a month to have my loans forgiven. I was never informed that 

these payments were NOT going towards my loan until much later when I was trying to 

buy a house and the underwriting process forced this information out of the company. 

I was satisfied because they said my "payments of 0 are counting towards loan 

forgiveness, and the $99 was a fee to the company for their service." Upon getting 

married, and filing taxes jointly my loan servicer eventually increased the payment due 

on my IDP program (something AFBC never mentioned was a possibility). With this 

increase, it became more expensive to pay the IDP required payment and the AFBC 

fee than it would be to just pay my loan back on a standard repayment plan. I felt 

cheated out of the 3+ years I spent paying for their service, but outside of cancelling I 

believed I had no recourse until now. Thank you for bringing my attention to this, and 

please call me if you need more details. Thank you.

Ortiz Attachment A - 413

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 414 of 511
Page 414

# Reference Number Complaint Date Company Name Complaint Info Comments

1735 99035134 08/17/2018 AmeriTech Financial

I was cohersed to say that I financially took care of more dependants than I actually do. 

This was so that my payment would be drastically lowered. I didn't feel comfortable 

with it when I started receiving mail asking for more information and called AmeriTech 

and told the person I spoke with about my conversation with Richard Tapia and that I 

wanted to cancel everything. She listened to the recorded tapes between him and I 

and agreed that he coherced me in saying my dependant number and allowed me to 

cancel. I never made any payments, thankfully.

1736 99035178 08/17/2018 American Financial Benefits 

Center

I began using AFBC because they promised to help me pay my loans and sign me up 

for services. I was paying $99 a month and it was not going towards my loans. I tried to 

sign up for public service loan forgiveness and they did not do the paperwork correctly. 

I never talked with the same person. Since then, I have been able to do everything 

myself through Federal Loan Servicing.

1737 99035249 08/17/2018 AFBC 

I was under the impression AFBC would help me pay my student loans off at a 

reduced rate. I started paying 11/2016 and it was $99 a month. I also continued to 

make payments to my loan provider Nelnet. The payments were for Nelnet were a lot 

lower, and I assumed it was because the $99 dollars was also being applied (I had 

subsidized and unsubsized loans so I assumed thats why I paid two different places) l 

was told i also couldnt claim on taxes because that information would be on the Nelnet 

website. Not once did they tell me it was due to the fact I wasn’t actually paying my 

loans. Now nearly 2 years later I find out they are being sued. I called and spoke to a 

representivie who assured me that I was in year 2 of 10 for student loan forgiveness. 

Yet when I contactes the helpline for the studentaid.ed.gov they show no record of any 

of my paperwork ever being submitted and assured me I could fill the one piece of 

paperwork out and have my employer sign it and it was as easy as that. I cancelled 

with AFBC immediately after to stop any further payments. They kept me on hold 

forever to speak to a supervisor that would cancel my account, and he proceeded to 

tell me they do far more than just file a paper. And that if the monthly cost was an issue 

he could see what he could do to help reduce or make a new payment plan. I 

contiuned to cancel my account.

Ortiz Attachment A - 414

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 415 of 511
Page 415

# Reference Number Complaint Date Company Name Complaint Info Comments

1738 99035368 08/17/2018 American Financial Benefits 

Center

I filed a complaint about a year ago about this company. I got married about a year 

and a half ago so recently changed my last name to . When i was dealing with 

this company and when i filed the complaint my last name was . I thought 

with the recent lawsuit i would just cover all my bases and file another complaint. I 

read what some people had gone through on the blog. It was all very similar. I cant 

remember exactly how many months i stayed with them, but i knew something wasnt 

right when the money i was paying them wasnt going toward my loan payment. They 

also took 3 months just to do a loan deferment for me which i did not want to do 

because of the interest. I could have just done it myself and it wouldnt have taken that 

long. They told me the first nine months I would pay $174 per month with part going 

toward paying for their services and the rest going toward my loans. They even give 

you a Public service loan forgiveness form. After that i would pay $99 per month. i 

was so excited and happy that all that was going toward my loan and i was finally 

making a dent in it until i realized they were scam artists. I tried to get my money back 

on the basis they werent doing what they said they were gonna do, they wouldnt give it 

back. They even tried to tell me a lot of people found their services useful and would 

use them temporarily. That just doesnt make sense. Why would someone in extreme 

debt pay for services they can and need to get for free? Unless of course they are 

offering loan forgiveness as well. So wrong. I dont know if this makes any difference 

for the FTC to know, but AFBC did contact me about the lawsuit as well, but were still 

trying to get people to continue being their customer or to come back! So appalling! 

Thank you so much for helping us. i know you will do your best to get our money back. 

I wish our loan companies would also acknowledge what happened to a lot of their 

customers and at least pay them back half of any interest accrued because of 

unknowingly not paying them. i have payed at least $6,000 to nelnet for the past 3 

years ( I even paid a group off) and my balance has only gone down $1000 because of 

interest. Thank you for your time.

Ortiz Attachment A - 415

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 416 of 511
Page 416

# Reference Number Complaint Date Company Name Complaint Info Comments

1739 99035373 08/17/2018 AFBC

I was working at a charter school another teacher had joined AFBC student loan debt 

management. She received a check if I signed up because she refereed me. I signed 

up they said they would help with the paperwork to make my loans a 0.00 monthly 

payment while I completed 10 years of teaching service. Therefore I could qualify for 

the teacher forgiveness program. I asked numerous times if this would hurt my 

chances of getting my loans forgiven in 10 years. They assured me that they were 

changing my fafsa so I could pay 0.00a month because I made so little. My student 

loans were constantly in poor standing with past due notices. Every time I contacted 

AFBC company I was talked down and reassured it was a paperwork mistake that they 

would handle it. Later on I discovered because I didn't make payments for over a year 

in a half I was penalized for the teacher loan forgiveness so my years of service did not 

count when I was not making payments. My interest compounded so much I now have 

over 100,000 dollars in debt and I am public school teacher working in a title one 

school.

Ortiz Attachment A - 416

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 417 of 511
Page 417

# Reference Number Complaint Date Company Name Complaint Info Comments

1740 99035375 08/17/2018 American Financial Benefits 

Center

A friend had told me about how this lady had helped her reduce her monthly student 

loan payment signifcantly and gave me her referral info cause she would get a referral 

bonus. i contacted , who confirmed what had said and was told they 

would be submitting me for a income driven repayment plan. that they would get it all in 

order for me and after 10 years of qualifying payments my loans would be forgiven. 

after hearing about the program i was directed to another person who helped me sign 

my documnets, guiding me on what i was signing. i was under the impression that i 

was initially paying an increased fee for their help with filing all the paper work and that 

the normal monthly fee would change every year based on how much more or less i 

made and that montly dollar amount way my student loan payment. i never understood 

that i was just paying for their service. they also asked for access to my loans and 

never gave me the login info so their was no way for me to even see if payments were 

being made. they also never said any of the times that i called that we noticed you 

havent been making any qualified payments towards your loans. they always said, 

youve been making qualified payments with us. after hearing about the law suit i closed 

my account with them and that was the first time i had ever heard them say, we dont 

make your student loan payments, we would love to but cant. i also had to recover my 

login for my student loans with a specialist cause the username isn't even the standard 

one i would use nor where the answers to the secret questions the ones i use. if i was 

suppose to be paying my own loans why didnt the share that info with me when they 

created it giving me access. it was so long ago that i signed up that i dont remember 

what was said how but i know now i did not understand what i was signing up for. had i 

realized that i was paying for services and not my student loans i would of never signed 

up cause i have just lost money on their "services" and incurred interest on my loans. if 

it wasnt for this law suit i would still be with them thinking they were paying my loans for 

me

Ortiz Attachment A - 417

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 418 of 511
Page 418

# Reference Number Complaint Date Company Name Complaint Info Comments

1741 99035433 08/17/2018 AFBC

I was a client of AFBC for 23 months. I paid an intitial fee of approximately 200.00. I 

then paid 99.00 a month to have paperwork filed for an IBR and for the company to 

maintain my IBR. In July of 2017, I learned that the compnay had failed to process the 

tax information to FedLoan which resulted in my student loan falling out of IBR status 

and advesely affecting my credirt. At the time I was attempting to purchase a house. 

Due to the student loan payment on my creidt report, I was uanble to secure a loan. At 

that time I contacted AFBC to find out why they had failed to complete the necessary 

paperwork. They claimed that they had contacted me via email for that information. An 

eamil I never recevied. They never attempted to conatct me in any other form At that 

point I relieved them of their services and filed my own IBR. During the time I was with 

AFBC my IBR did not requrie a payment. However, I was told by AFBC that my monty 

payment would go towards any payment required by FedLoan. I have received both an 

email and a hrd copy of AFBC's response to this lawsuit and find it disgusting that they 

are attempting to exploit their customers into believing that they provided a service that 

was honest and ethical.

1742 99035645 08/17/2018 Ameritech They constintly called and emailed for more money.

1743 99035661 08/17/2018 Ameritech financial 

They lied to me i checked my credit score and it is not going down AS THEY 

PROMISED over the phone and over email. In fact they are taking my money and not 

putting it to any of my loans. I asked them repeatedly and was ASSURED both over 

email and phone that that was a mistake and it was going to paying them off. I have 

been scammed by them

1744 99035662 08/17/2018 Ameritech Financial

May of 2016 I had received a postcard in the mail from Ameritech Financial saying 

student loan forgiveness, and there was a number to call, since I was struggling to pay 

my student loans, I thought I would give it a try. I called and talked to a representative 

named Jennifer and she explained that I could be done with my loans in 10yrs if I paid 

Ameritech to do all my paperwork and get me signed up in a forgiveness program,she 

said I would have to pay a fee of $189 for 12 months and that it would go down to $99 

a month the rest of the 9yrs, she said I would be on a income based plan and my 

payments would be lowered and after the 10yrs I would be released from paying the 

loans. I have been basically paying $3000 over the last two years to these people to 

just send my paperwork to Nelnet and my interest is going up every month and the 

loan principal never has never gone down. This has hurt my credit score tremendously 

and all I was trying to do was work to get my debt paid. I finally cancelled my account 

with Ameritech Financial last month because I couldn't afford it anymore after all these 

years. I really would like my money back if not all at least a portion. It was truly the 

biggest mistake of my life.

Ortiz Attachment A - 418

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 419 of 511
Page 419

# Reference Number Complaint Date Company Name Complaint Info Comments

1745 97365106 08/17/2018 Ameritech Financial

Consumer was involed with Ameritech Financial, consumer contacted them since she 

recieved corresponding in the mail from them. Consumer started a proccess with them 

and submitted all her forms which were supposed to go to Great Lakes which is her 

servicer for a loan forgiveness plan. Consumer contacted Great Lakes and they let her 

know they hadnt recieved any money towards her loans. UPDATE: 08/17/2018 

Consumer called back to see if we needed anything from her.

1746 99035854 08/18/2018 Ameritech financial

 

foregiveness program. It took more than two hours over the phone to discuss the 

program and give them the info they needed to enroll me. The entire enrollment 

process took more than 2 months and I believe it is still going (today is 8/18/18). It 

appears that the program was not explained to me correctly. I was under the 

impression that Ameritech was or had a student loan forgiveness program. I didn’t 

know it was just a “middle man.” At the time of my initial enrollment, I did not know that 

my monthly payments were directly to Ameritech and it was not explained to me that 

the monthly amount quoted could actually be higher if it needed to include an additional 

amount to be paid to my actual loan servicer. I was given an amount ($287 per month) 

for five months then a second amount ($119) for the remaining months of the 300 

months of payments in the program. I was told the $119 would not change unless there 

was a significant change in my income. I was never told that my payments were going 

to Ameritech and not my loan. I was under the impression that these amounts were 

being paid directly to my loans. I was told that the amount quoted would be my monthly 

payments until the annual account review, at which time it could change if there was a 

significant change in my income. I learned just 2 weeks ago when I called Ameritech to 

inquire about an e-mail I received from Nelnet regarding my consolidated student 

loans, that my monthly payments were $287 for the first five months (to date, I have 

made 2 of these payments and a 3rd payment will be taken as an automatic payment 

on 8/22/18) and $99 (lower than the initial amount quoted to me when I first enrolled) 

for the remaining months of the 300 month program. I was told the monthly $99 was 

locked in for a year. This is when I finally learned that these monthly payments were 

going to Ameritech for their service and that nothing was being paid towards my 

student loan debt. Had I known this, I most certainly would not have enrolled. This has 

been a very confusing, overwhelming, and stressful process in which has left me with 

more questions and financial burden than before I ever enrolled. I would not have 

enrolled with Ameritech had I known the true nature of the program/company. I don’t 

understand the purpose in enrolling in such a program if no money was being paid 

towards my student loan debt. I am very confused and need guidance on how to 

proceed. I honestly don’t know what I have gotten myself into and am concerned about 

my debt and the lack of transparency of this company.

Ortiz Attachment A - 419

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 420 of 511
Page 420

# Reference Number Complaint Date Company Name Complaint Info Comments

1747 99035921 08/18/2018 Ameritech Financial

I was contacted by Ameritech in 2015. They said they could offer me a student loan 

forgiveness plan. If i paid in 200 a month for some months on time then my payment 

would be reduced to 100 a month for a few years and then my loan would be forgiven. I 

was made to believe that this money was going towards my student loan. I paid ontime 

for 3 yrs. I was suspicious imediately after signing up with them when i recieved a 

statement from my loan servicer saying that i owed $0 that month. I called ameritech 

and they told me that was normal that they were a seperate party taking over my loan. 

After 3yrs I came across an article online about these types of scams. Ameritech had 

not paid one cent towards my student loan. They simply put my student loans in 

forbearance each year and pocketed the cash. I am perfectly capable of putting my 

loans in forbearance myself if that is what I wanted to do, for free. Ameritech financial 

stole my money and caused me to be in even worse debt. They are preying on people 

that are already struggling to pay back their debts. I would like a refund from Ameritech 

for every dime that I paid them.

1748 99043915 08/18/2018 Ameritech Financial

On 12/30/15 when I first contacted the company because of a letter I’ve received in the 

mail stating ‘Student Loan Payment Reduction & Forgiveness’, the rep name Aryan 

Carrafa have advised me that while I'm enrolled in this program, I will pay $299/month 

for the 1st 5 months, then my payment to the company will be $152.94 starting the 6th 

month until 240months (20years), which then my student loans (not the private loans) 

will be forgiven. Aryan have also advised that the payment of $152.94 to the company 

will take care of my loans therefore I won't need to make payment to Navient, except 

for my private loans only, which it doesn't seem that way. I'm not sure if this program 

that I'm in is the same as what Aryan have advised me of because the payments that 

I'm making to the company and to Navient it's not what Aryan have originally advised 

me it will be. So I’ve reached out to the company for clarification on 7/3/17, which I was 

then explained that the payment of $99/mon to AFBC was only the service they provide 

to assist in enrolling/renewal of repayment plan with Navient, such as paying H&R 

Block for assisting with tax filing.

Ortiz Attachment A - 420

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 421 of 511
Page 421

# Reference Number Complaint Date Company Name Complaint Info Comments

1749 99043987 08/18/2018 AFBC Financial Center

I was contacted through the mail about 8 months or so after I graduated from college 

with a promise to help consolidate and eventually forgive student loans. They told be 

the program I would be enrolling in would be $150.00 for the first 12 -14 months and 

then $99.00 for potentially 2 years. I was told that after this allotted time I would be 

eligible for loan forgiveness. I assumed they were helping to pay down my loan since 

no Fed loan or other services contacted me about not getting payments. I feel they 

took advantage of my naivety of the system and conned me out of money I really 

needed. I literally remember saying to the representative that it all sounded too good to 

be true, to be free of loan debt in under 5 years, and he assured me they would be able 

to do this for me. I called them after receiving this letter and they refused to give 

refunds.

1750 99044060 08/18/2018 AFBC

I have moved since I stopped my automatic withdrawals. But I have paid $100 a month 

since December-2015 or January-2016 then after 2yrs or so I called them and lowered 

the monthly payments to $50 a month for over 6 months just to find out they lied to me 

about helping with my student loans so I called them a month ago to cancel it 

altogether. They promised me my loans would be cut in half and all the while my loans 

are steadily increasing.

1751 99044360 08/18/2018 Ameritech

I have paid this company 50 dollars until I realized that my debt was increasing 

because of the deferrements that they were doing. Immediately cancelled the service 

and went back to normal payments. It was really a bad experience and they were not 

giving all downsizes of their service upfront. When I was confronting them about that 

my actual job was not federal and at that at the time of forgiveness I was not going to 

have anything they said that I qualified under the federal program, just needed to wait 

10 more years paying the monthly fee.

1752 99044361 08/18/2018 American Financial Benefits 

Center

The company by the name of American Financial Benefits Center, reach out to me by 

phone and claiming they can lower my student loans. I recently got a email saying that 

this is not true. I invested over 1000.00 into this company, to help towards my goals 

and process in life, and this company is not using my money or my investments 

towards that. Which this causes a ripple effect in my financial status, not to mention, 

I'm married with kids, trying to make it from check to check. I respect the company's 

that out here really trying make human society, a better living for man-kind, but when 

companies take advantage of hard earn money then, there needs to be justice and 

compensation for that, because for some people and families it will take years to 

recover from money they lost.TOPIC:Referrals

Ortiz Attachment A - 421

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 422 of 511
Page 422

# Reference Number Complaint Date Company Name Complaint Info Comments

1753 99044571 08/18/2018 Ameritech Financial 

I saw a link on Facebook saying they could consolidate my student loan debt. I gave 

them my contact number and they called me shortly thereafter. I gave them all my 

account information and my checking information. I did not send anything in, although 

they asked for a voided check to be faxed in. I closed my checking account and they 

called me numerous times after "not receiving payment." I had to change all my login 

information for online accounts too. They sent me two letters saying I needed to pay as 

well. I disregarded them and the calls were blocked. Needless to say this was annoying 

and quite the ordeal. I'm glad it's over.

1754 99044574 08/18/2018 AFBC - American Financial 

Benefits Center

I received a letter from the FTC informing me that this (AFBC) company that I paid an 

account setup fee and monthly payments to for my Student Loans has collected said 

money and never applied any of that money to my Student Loans. They cold called me 

and I was drowning in Student Loan debt and offered, what I thought, was a solution. 

There was a $900 (estimated) set up fee and monthly payments of $99.00. I was with 

them for over two years. When I started paying my Student Loans directly to the 

applicable Nelnet website, I noticed that my balance was not lower and I could not find 

any record of payments for the time I was with AFBC. I hope that I may be able to get 

my money back. I feel so foolish. I estimate they collected around $3,500 from me over 

that period. They last debited my checking account on 10/23/2017 for $99.00.

Ortiz Attachment A - 422

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 423 of 511
Page 423

# Reference Number Complaint Date Company Name Complaint Info Comments

1755 99071399 08/18/2018

Ameritech Financial|Ameritech 

Financial|CUNY Brooklyn 

College

CFPB Issue Type: Dealing with your lender or servicer | Trouble with how payments 

are being handled --- What Happened: I agreed and did pay $189.00 Monthly to a 

company named Ameritech Financial who told me they dealt directly with who held my 

student loan at the time. Over a period of time my loan was bought and sold a few 

times and I had a hard time keeping track of the company who had it, the balance and 

other things. I noticed every time my loan was moved Ameritech would contact me an 

RE-establish a commitment for me to pay them an amount of money based on my 

monthly loan charges.They convinced me that they would get the loan company to 

lower the monthly rate and that they would make the payment on my account through 

their services. I checked my credit recently and see that I had negative activity on my 

account multiple times with the same vendor. I contacted the vendor who was the 

owner of the loan (whos name I cant remember at this time) and was told my account 

was not current/up to date and that AMERITECH had not been making any payments 

on my student loan Account for as long as i Have been paying them. The company told 

me that Ameritechs brand/style of business is to purposely let the account become 

delinquent. I then cancelled all electronic automatic debits that I agreed to let them 

take from my account monthly. --- Have contacted: CC Issuer --- Fair Resolution: A 

refund would be ideal as well as an apology. They are in the business of swindling 

people for their hard earned money and the double damage comes from them 

destroying your credit in the process. --- School Unit ID: --- School OPE ID: 

Ortiz Attachment A - 423

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 424 of 511
Page 424

# Reference Number Complaint Date Company Name Complaint Info Comments

1756 99044772 08/19/2018 Ameritech Financial

Good Afternoon, I was contacted by Ameritech back in the fall of 2016 in regards to 

helping refinance my student loans and lower the amount that I was paying each 

month. They claimed they could drop my monthly payments from 350 to 100 each 

month! I provided the nessecary information to Erik Nordstrom at Ameritech who 

signed me up to start paying Ameritech and not have to pay my student loans. After 

paying Ameritech for 9 months, my student loans had reflected they never received 

payments against my loans. I had four FedLoans taken out for college and each one of 

these reported 9 missed payments (36 missed payments total) this has completly 

destroyed my credit as my payment history reflects an 86%. I had been making 

payments on my fedloans with no issues before and after working with Ameritech 

however I believe their scamming nature has ruined my credit for the foreseeable 

future. I'm currently 27 where i'm looking to make a lot of big financial decisions based 

upon my credit score however working with Ameritech has negatively affected the 

opportunities available to me. I would love to be able to repair my credit due the 

scamming nature of Ameritech. The representative received all my login access to 

review my loans however in doing so turned off or redirected all notifications sent from 

Fedloans.com to be directed to Ameritech so even if my loans were emailing me to tell 

me of any missed payments these were not received on my end. I would really like to 

be able to reconcile my credit as I would have continued to make payments towards 

my fedloans if Ameritech had never showed up. I was extremely disapointed by this 

company and now hearing they are being sued by the FTC I would love to see a 

resolution come from this. I do believe I was completely taken advantage of through 

their practices and as i've stated this has left me in a horrible credit situation. Anything 

that can be done to fix this I would greatly apprecaite. Please let me know if you need 

any additional information from my end!

1757 99050053 08/19/2018 American Financial Benefits 

Center

The American Financial Benefits Center contacted me several years ago about 

reducing my student loan debt. I had recently graduated from Florida State University 

and had taken out a substantial amount of federal student loans, so the timing was 

something that in hindsight seemed suspicious. The company offered to reduce my 

loan payments to $99.00 per month with the promise that the money would not only go 

toward paying off my student loan debt, but that it would markedly reduce the amount 

owed from roughly $60,000 to $10,000. After several years of being a customer and 

making regular payments, I learned that they were the subject of a lawsuit from the 

FTC and that the funds paid to the company were not actually going toward paying off 

my student loans. Because of this, I am nervous about how this will affect my student 

loans, my credit, and my ability to be compensated for the thousands of dollars I had 

paid to AFBC under the false pretense that I would be able to pay off my student loan 

debt.

Ortiz Attachment A - 424

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 425 of 511
Page 425

# Reference Number Complaint Date Company Name Complaint Info Comments

1758 99050131 08/19/2018 American financial Benefits 

Center

I received something in the mail from this company. Ireached out to them needing help 

with my student loan debt, they have been taking money out of my account since 2015. 

I thought they were taking care of my student debt issues

1759 99050203 08/19/2018 Ameritech National Student 

Loan 

I received a post card (second notice) informing an offer to reduce student loan 

payments; eventually qualifying for a forgiveness status. The reduction was significant. 

The offer required my checking acct. as a certain amount will be deducted monthly this 

fee would go toward the forgiveness status. In addition to this I was required to pay a 

monthly amount that would apply to my student loan balances. Ameritech recently 

beginning having problems with their website, making it difficult to make payments or 

announcing downtime as they were updating the system. However, it always happen 

during the time my payment was due; thereby causing a deliquency. Words from the 

post card: "this program can immediately assist you in potentially saving thousands on 

your student loan. With the implementation of the Health Care & Education 

Affordiability Reconciliation Act of 2010 the US Department of Education has adjusted 

their re-payment policies. You may now be eligible for: 0/month Monthly Student Loan 

Payment, No minimum income requiredment or credit check, Loan Forgiveness 

Programs, No impact on credit rating or score, and No program payment for up to 90 

days." Today, I have learned that all the payments made are not posted as payment 

toward my loan. I no longer understand the purpose of direct fees removed from my 

checking account, yet when I made payment via phone because their system was 

down again using the same acct to post a payment, they communicated a message 

that my financial institutuion reversed the payment as the acct# was inaccurate. This 

was a red flag (just 5 days ago). I am infuriated. So many of us worked very hard in 

our studies and job trying to excel and do the right thing, this is so unfair. What am I to 

do now. This goes back for me since 2011 upon graduation. From the beginning I 

made payments over 300/mo, then it was reduced to 200/mo, then 0/mo.for a certain 

amount of time. I always paid the 108 automated deduction. Please advise. Thank you. 

1760 99050331 08/19/2018 Ameritech

They fooled me to believe that they were collecting my money towards a repayment 

option for my student loans. They took a total of $3200 over the last two years. As soon 

as I realized that they were a scam, I contacted my bank but my bank can't reverse the 

payments.

Ortiz Attachment A - 425

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 426 of 511
Page 426

# Reference Number Complaint Date Company Name Complaint Info Comments

1761 99043936 08/20/2018 AFBC

I recieved information about getting help on finding a affordable repayment plan for my 

student loan. I didn't realize that they weren't doing what they said, but each month for 

two years I paid 99.00 up until this month. They lowered the fee to 49.00 because my 

work life had changed. I didn't realize that things were wrong until I also recieved the 

notice of the lawsuit. I contacted my federal loan services and was told that no money 

had been paid towards my loan,as well as they used up my three years forbearance 

that now I no longer have that option. But every month for two years they consistanly 

took out $99.00 which sometimes would put me in a bad situation with my bank. I am 

not a happy camper in this situaton, and knowing what I now know I hope to get all 

monies returned to me. UPDTE: 8/20/18 Consumer making sure her complaint was 

secured.

1762 99050287 08/20/2018 Ameritech Financial

I was contacted with the promise of having my student loan debt forbiden. They told 

me that based on the information I have provided thier company was able to qualify me 

for one or more student loans, throu the Department of Education. They told me that 

as employee of one of the largest HMO's, I would qualify for a public server. Therefore 

I would qualify for the forgiveness program offered by the department of education. I 

was told that after 3 years of paying them, my loan would be forbidden.They told me 

they would be in contact with Mohela( Student loan org) on going through accessing 

my student loan within the loan data system and work with their system and agreement 

to qualify me for one of the forgiveness programs.I just found out they have been only 

paying the lowest amount to Mohela, which further has placed me in further debt. Not 

only that, AmeriTech representatives were not truthful regarding my qualification for 

forbidance. I found out this is not true.I have been paying in a monthly basis the first 

year close to $260.00 and only $100 was towards my debt which didn't even cover the 

interest fee. I understand there is a lawsuit against this company and their 

representatives and I wish to be part of this. UPDATE: 08/20/2018 Consumer called to 

add information 

Ortiz Attachment A - 426

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 427 of 511
Page 427

# Reference Number Complaint Date Company Name Complaint Info Comments

1763 99050435 08/20/2018 Ameritech Financial

I was referred to this company via my work manager who is also a Social Worker and 

has significant loans to repay. Martha worked with me to sign my up for the program. 

At no time did she tell me that I could do this program for free through my loan 

services. I now have been made aware after speaking with my loan services 

FEDLoans that Ameritech has not even provided the information to them from my 

employer that I work for a non for profit. I have not been in the program with my loan 

servicer at all. Ameritech charges me $99 per month and I am not in the 10 year 

forgiveness program. I am a single parent, social worker. I work for a non for profit 

and have 3 children still at home. I needed this program as I will never be able to pay 

my loans in full. I believe that I should be able to get my money back from them as 

they are not providing the information to my loan servicer. Martha Boarders the 

"account specialists", no longer works there. This is a scam to manipulate those that 

have high student loan debt and believe that this will help them pay back what we 

owe.Thank you for your consideration in addressing this matter.

1764 99050455 08/20/2018 Ameritech Financial

I was contacted by Ameritech Financial offering to help with my Federal student loans 

in June 2016. I was informed I would have to pay an upfront fee for their service then 

payments of $99.00 a month would go toward my student loans. I was unaware these 

payments were not being submitted to my student loans until I received the notice from 

the FTC notifing me of Ameritech's unlawful practices. After receiving the notice, I tried 

to contact Ameritech Financial several times by email and phone when I finally put a 

stop payment through my bank. I finally was able to speak with a representative from 

Ameritech Financial, Brian, on 7/26/18 @ 12:44 p.m., whom informed me I could not 

get a refund due to I signed a contract and I should know the case with FTC was still in 

the courts. My account was finally closed but unable to receive a refund for my pament 

since 8/25/2016 through 6/2018.

1765 99050485 08/20/2018 Ameritech Financial

Consumer received a letter concerning Ameritech Financial settlement. Consumer 

reports that she was promised to consolidate her loan paying of her student loan. 

Consumer has became aware that payments made to Ameritech Financial have not 

been going towards her loan. Consumer was also asked to lie regarding her income. 

Consumer reports that originally received a letter from them offering their service which 

she responded to. Consumer has paid $99/month debited from her account for about 1 

Years. Consumer states that she had cancelled a while back.

Ortiz Attachment A - 427

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 428 of 511
Page 428

# Reference Number Complaint Date Company Name Complaint Info Comments

1766 99050522 08/20/2018 American Financial Benefits 

Center

I contacted AFBC in November 2014 to help manage my student loan debt after seein 

their advertisement. I had to pay them an intitial fee of $1895 and have been paying 

$50 per month to AFBC since then. I was under the impression that the $50 per month 

payments I've been making to them over the past four years was going toward my 

student loan debt. Due to the recent lawsuit I just received notice of, I have realized the 

payments were not going to my student loan debt at all and instead, the payments 

were going to AFBC for completing paperwork for me that I could be doing myself. I will 

be canceling my services with AFBC immediately, as I have wasted enough time and 

money with this company. I feel this company has been very misleading.

1767 99050559 08/20/2018 Ameritech Consumer states Ameritech offered to consolidate her loans for a fee. Consumer paid, 

and wants to know what she can do, since she found out it was a fraud.

1768 99050657 08/20/2018 Ameritech Financial

AMERITECH COMPLAINTS: The consumer rcv'd the Ameritech letter from the FTC. 

The consumer filed a complaint against Ameritech Financial, because they didn't apply 

payments to the consumer student loan.

1769 99050978 08/20/2018 American Financial Benefits 

Center (AFBC)

I'm and in December 2015, I was referred to American Financial Benefits 

Center in order to join their program to pay off my student loan debt at a discounted 

rate. The AFBC Representative who I spoke with, in December 2015, told me that I 

had to pay $100 to sign-up for the program and agree to have $99 drafted out of my 

account monthly. I was told that since I am a counselor at a state community college, I 

qualify for the Public Service Loan Forgiveness Program and my payments count 

towards the 120 consecutive payments required. THAT WAS A COMPLETE LIE! The 

$99 payments have been drafted out of my account for almost three years and I'm 

disgusted that NONE of my money has been going to the Public Service Forgiveness 

Program and pay off my loans!!! Right now, August 2018, AFBC owes me AT LEAST 

$3,268.00 and I want EVERY PENNY BACK! I thought I was doing the right thing with 

joining this company. I don't make a lot of money and my student loan payments were 

getting extremely expensive. I feel victimized by them and the whole "student loan 

process." I'm trying to better my life and better my community with counseling students, 

and here I am getting ripped off! I WANT MY MONEY BACK PLUS DAMEAGES. I 

could write more and say much more so please feel free to contact me at 

Ortiz Attachment A - 428

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 429 of 511
Page 429

# Reference Number Complaint Date Company Name Complaint Info Comments

1770 99063032 08/20/2018 Ameritech

Consumer is calling regarding FTC v. Ameritech, stating he first heard of them when 

they contacted him through a phone call offering him their services to pay off his 

Student Loans, which Consumer accepted and was sent files for Him to fill out and 

send back. Consumer states he has already cancelled services right away and he 

does not remember how much he paid them. 08/20/2018 UPDATE: Consumer is 

calling to report that he did pay them $281, consumer also provided names of the 

people he spoke to. Consumer states he did call them and asked for a refund and they 

told him they would refund him $173. 

1771 99063443 08/20/2018 Ameritech financial

Ameritech called me and told me that they were a loan forgiveness/refinancing 

company. They told my dad (who I brought into the call to help me determine the truth 

of their statements) and me that they would refinance my loan and enroll me in any 

forgiveness programs that applied to me. I reserached their company on the internet 

and found several positive blog reviews saying they had worked with Ameritech and it 

was not a scam and were the only trustworthy company they had found on the market. 

This inclined me to be more trusting of them. After we told them how much I owed and 

what my monthly payment was ($280 at the time) they told us their program would 

reduce our overall loan by about $18K through a combination of forgiveness and 

refinancing, and that it would also reduce our monthly payments. For the first year they 

told us to pay $200/month, stating that $100 of that would go toward our student loan 

payment and the other $100 would go to them to pay for their fee for the services. They 

told us that after the first year our payments would drop to $100 because the fee for 

their services would be fully paid by then and they would just be paying the $100/month 

to our student loans on our behalf. They told us that nelnet would still be in charge of 

my loan and they would be paying nelnet for us, which is why they asked for my nelnet 

information. Several months into the program I looked on nelnet and discovered my 

payment history said no payments had been made. When I called Ameritech about this 

they said that nelnet might not be reflecting it but that I was still up to date on my 

payments and not to worry. About a year and a half after that I called them again about 

the same concern and found out that my monthly payments were zero and the 

$100/month I was still paying them wasn't going to pay my student loans, and hadn't 

been. I pulled out of their program immediately and kept myself enrolled in the same 

monthly repayment plan for free (an option they of course never informed me of) but 

my loan is now higher than it was when I first started all of this because the interest has 

been accruing this whole time and no payments have been made.

Ortiz Attachment A - 429

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 430 of 511
Page 430

# Reference Number Complaint Date Company Name Complaint Info Comments

1772 99063484 08/20/2018 Ameritech Financial/AFBC

I was first recommended to look into the AFBC services at my parents' request, quite 

some time ago, so I'm not entirely sure whether my first contact was by email or phone 

call. I cannot remember precisely when I started using their services (I was under the 

belief they were a liason in my student loan payments), but it was well over 3 years 

ago. I'd estimate late 2014 or early 2015. I could look into this further, as needed. I did 

check with my bank to see if I could pull up payments that I've been making, but I can 

only go back to February of 2017 without paying fees to see further back. Also, I 

marked "unknown" to how I make payments, because if you look at my statements 

(can be provided, if needed), they appear either as direct withdrawals, or as checks 

ending in "0000." It's always for 99.00, so altogether I'm out somewhere between 4-

5K. If you look into my account with them, it will show a different address than I've 

provided, as I've moved since setting up my payments. I am currently in MN, but was 

previously residing in NE. My preferred mode of communication is email, and I'm free 

most times of day. Please let me know if you need anything further or have any 

questions.

1773 99063564 08/20/2018 Ameritech

Consumer received a letter from Ameritech Financial offering to reduce her student 

loan debt. Consumer was asked to verify information regarding her student loans and 

bank account information to set up a payment plan. Consumer did comply.

1774 99063758 08/20/2018 Ameritech Consumer is calling to report that he received a letter from FTC v Ameritech Financial. 

Consumer was with the company since 2015 and has paid $3600.00.

1775 99075330 08/20/2018 Ameritech Financial Benefits 

Center

Afbc contacted me claiming they had a student loan forgivness program that I qualify 

for. The first month I would have to pay $350.00 then make eight payments of $200.00 

after that my payments dropped to $99.00. They told me that eventually my payments 

would drop more slowing going to $0 and after two-hundred payments the state would 

step in and forgive the remaining balance. Every year they had me fill out a IBR form 

and a Forbearnce request which they told me was just to help stop the Navient, my 

student loan company, from collecting seperatly since they were submitting my 

payments. I signed up in 2015 and have never missed a payment, totalling in 

$5400.00, none of which I was able to claim on my taxes. I was never told that I was a 

member and could use any of their other services, or that the first payment was larger 

because of an enrollment fee. The only thing they told me was that all my payments 

went directly to my principal balance on my student loans and eventually they would be 

forgiven and I would no longer have to pay on them.

1776 99075433 08/20/2018 Ameritech Financial Consumer received a letter from FTC stating that Ameritech Financial dealt 

fraudulently with her. Consumer wanted to make a complaint.

Ortiz Attachment A - 430

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 431 of 511
Page 431

# Reference Number Complaint Date Company Name Complaint Info Comments

1777 99075559 08/20/2018 American Financial Benefits 

Center

I recieved a notice of the lawsuit the FTC currently has against the AFBC and had a 

similiar experience to the claims. ABFC made it sound like my loan company and the 

state would not help me in any capacity. When I inquired from the mail they sent that 

promised student loan relief, they were difficult to find information on online and there 

was not much about them. Today I found out they have not sent the Public Service 

Loan Forgiveness (PSLF) form in that AFBC had me fill out last year and the previous 

year after talking to my student loan servicer so I am not enrolled in the program they 

told me I was (that I filled out the paperwork for). I called to find out how many 

qualifying payments I have made. I signed up with AFBC thinking that they would help 

me with managing debit, but have only taken money and given me misinformation. 

After I read the claims, I found out that the "membership" offers any other resources. 

They have been charging me monthly 50 dollars or so to "handle the account and 

documents." I tried to cancel my services with them in June of this year, thinking I 

could use that money to pay off my loans and the manager I talked to told me that 

"they always get the best results on income based plans" and bullied me into staying 

with the payments. The company has made multiple mistakes with my paperwork, but I 

thought it was the only option out there. I filled a complaint last year with the BBC 

against them, they called trying to explain that they weren't scamming people and gave 

me a fraction of my money back for their mistake. I should have quit while I was ahead, 

I just called customer service to cancel my "membership" with them and got told they 

would have someone call me back about my inquiry.

1778 99075608 08/20/2018 AMERITECH Financial I was told that the money that I sent to them was to reduce the payments of my student 

loan and that the money that I sent in went todwards my student loan.TOPIC:Referrals

1779 99075880 08/20/2018 American Financial Benefits 

Center

A friend recommended AFBC to reduce student loan payments. I called and my 

payments were approximately $99, which was a drastic reduction. After one year, they 

had to "check my qualifications" again. Of course I didn't meet their qualifications, and 

my payment was going to be outrageous. The money that i paid to them did not count 

towards my balance.

Ortiz Attachment A - 431

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 432 of 511
Page 432

# Reference Number Complaint Date Company Name Complaint Info Comments

1780 99076058 08/20/2018 Ameritech

About a year ago, I received a card in the mail for student loan debt forgiveness and to 

contact the company AmeriTech. They had stated to me that after paying 850 dollars 

for their services that they could reduce the charge to my student loan payments 

monthly and that they would make the payment on my behalf for an income driven 

program. After paying 235 dollars a month 6 months straight it finally went down to the 

99 dollars I was promised. I was told from that point forward as long as I make the 

payments that my loans would be paid. I started noticing no reduction in the loans and I 

thought that was normal due to interest and a low payment. I contacted AmeriTech 

today August 20th of 2018 after receiving an email from both AmeriTech and the FTC 

in regards to this matter. I was told that the 99 dollars was for services and that it 

shows payments for a loan where eventually it would lead to loan forgiveness. I so far 

have lost over 2238 dollars to this company and not a single payment has gone 

towards my loans.

1781 99091476 08/20/2018 Ameritech Consumer reports her son received a call from someone with Ameritech offering 

student loan forgiveness, and has been paying them $99 per month for 2 yrs

1782 99091658 08/20/2018 Ameritech

Consumer state he received an email from the FTC and from Ameritech regarding the 

lawsuit. Consumer states he had been paying Ameritech for help with his student 

loans.

1783 99091828 08/20/2018 Ameritech

Consumer states that she received a letter from the FTC stating to be suing Ameritech 

due to deceptive practices, consumer states she was offered assistance with reducing 

her student loan from Ameritech. Consumer states that she was told if she paid 

$209.60 a month, they were able to forgive her loan. Consumer called Ameritech for 

her refund Ameritech stated they cannot refund her the money due to her using there 

services.

Ortiz Attachment A - 432

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 433 of 511
Page 433

# Reference Number Complaint Date Company Name Complaint Info Comments

1784 99091908 08/20/2018 Ameritech

I cannot remember all the details but I got looped in on their bogus offer of drastically 

reducing my student loan payment and after 3 I was going to have it paid off. The guy I 

talked with was very persuasive. Three months later I found out that no payment was 

made to my student loan, so I contacted them immediately and was extremely upset. I 

spoke with a woman who didn't seem to interested in my story, telling me that is not 

what their business does (pay $ to student loans) and that she would have to listen to 

the conversation, bcause they are all recorded, to verify whether I was told that 

payments would go to my student loan. I told her to go ahead and listen because that 

is exactly what I was lead to believe on several occasions by what he had told me and 

if I did not get my money back that they had already taken I would be contacting the 

BBB. She then sounded a little concerned that I might do that, she put me on a brief 

hold. When she came back she said that my money would be refunded in full and 

asked me this question "so there is no need to contact the BBB now right?" I 

remember that distinctively because I remember thinking that proves to me they are 

not reputable. I have no dount at all that they lie and mislead people to believe that our 

student loans would be reduced through their services. They tried to rip me off as I am 

sure they did others. Go get em, I hate people that do that to others, those who work 

hard for thier money and trying to get out of debt.

1785 99091942 08/20/2018 AFBC

I think I been in the program for 2.5 to 3 years. I was under the impression tht i was in 

an income base payment plan to pay back my student loan. I was told after a certa8n 

amount of years that i stay in the program my student loan debt would be paid off. I 

can recall me calling them asking them what was my balance on my students loans 

after i was in the program for about a year they never would just say. They would say 

that my loans was in good standards and i didnt have to worry about anything.

Ortiz Attachment A - 433

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 434 of 511
Page 434

# Reference Number Complaint Date Company Name Complaint Info Comments

1786 99105991 08/20/2018 American Financial Benefits 

Center

In late 2015, I was contacted by American Financial Benefits Center (AFBC) as a 

possible option to help manage my overwhelming student loan payments to Fedloan, 

at the time totaling upwards of $480 a month. As a recent graduate, I was unable to 

maintain making these payments every month and was looking for a more manageable 

plan. AFBC presented themselves as a reliable and verified option to help manage 

deference and eventually make small payments towards my student loans until loan 

forgiveness was possible. I was under the assumption, as per their word, that these 

payments would be made to my loans after an initial $399 payment. Then my monthly 

$99 payments would be made to my loans. This however, never happened. They have 

at this stage collected over $3,400 from me and not made a single payment towards 

my student loans, which have now incurred almost $15k in interest and i am no closer 

to student loan forgiveness. I know there is a current Lawsuit out on the company for 

these exact claims and false promises and I wanted to now add my name to those 

harmed by these malicious and predatory actions.

1787 99105997 08/20/2018 Ameritech

AMWEITECH CONTACTED ME AND I WAS WITH ANOTHER COMPANY WHICH 

ALSO RIP ME OFF CALL FEDLOAN SERVICES AMERITECH TOOK OVER MY 

LOAN CHARGED ME 275.00 FOR 8 MONTHS THENCHARGED ME 99.00 AFTER 

WARDS. I CONTACTED THEM BEFORE I RECIVED YOUR EMAIL COMPLAING 

ABOUT THE 99.00 AND THEN REDUCED IT TO 40.00 A MONTH. AS RESULT OF 

PAYING THIS HIGHT RATE I HAD TO DEFER MY LOAN CAUSE I CAN NOT PAY 

THEM N PAY MY LOAN. I FEEL BETRAYED LIED TOO AND TAKEN ADVANTAG 

OF PLEASE HELP

1788 99106185 08/20/2018 American Financial Benefits 

Center

A co-worker referred me to the AFBC for assistance in reducing my monthly paymen,t 

as well as my loan term. I contacted the person with AFBC that was working with my 

co-worker. Over a year had gone by, they had put my loan in forbearance, changed my 

account information, was constantly asking for updated personal information, but 

nothing was being done to assist me in my loans as they said they would. After over a 

year of excuses and nothing be done, I finally refinanced my loans, but had accrued an 

astronomical amount of interest thanks to the AFBC.

1789 99106414 08/20/2018 Ameritech

The consumer received notice from the FTC via mail about the action with Ameritech. 

She states the company was still taking money until this week and now she will call to 

have it cancelled. Her payments are 99.00 per month for over a year.

1790 99106432 08/20/2018 Ameritech Financial

Consumer is calling on regards to a email received by the FTC about Ameritech 

Financial. Consumer reports that Ameritech Financial have promised to enroll 

consumer into a government program that they claimed would permanently lower 

monthly student loan payments for a loan forgiveness. Consumer reports that she was 

paying them $100 a year and set up be deducted each month.

Ortiz Attachment A - 434

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 435 of 511
Page 435

# Reference Number Complaint Date Company Name Complaint Info Comments

1791 99106952 08/20/2018 Ameritech Financial 

i contacted this company so that I could consolidate my student loans. The 

representative from Ameritech told me that my student loans which totalled 

approximately $32,000 would total $63,500 if I kept paying on them or getting the loans 

deferred. Instead, if I enrolled in the Ameritech program, I only would pay $29,589 for a 

savings of $33,711. I paid $128.00 a month. I starting emails from my loan servicer 

that my login name was being changed and none of the money that was being 

deducted from my automatic draft bank account was being applied to my loan. I called 

Ameritech and questioned them about this, and they told me “oh well the balance in 

your Ameritech account has to build up before we apply it to your student loans.” I said 

how long does that take and they said “oh well you know”. Not giving me a direct 

answer. After I received your letter I called Ameritech asking for a refund and was told 

your not getting a refund because you paid for a membership for discounts on services 

such as shopping, etc. Nothing in my agreement documents state anything about a 

membership. Please include me in your lawsuit and help me get my funds back. Thank 

you so much!

1792 99106974 08/20/2018 Ameritech Financial

I was contacted by Ameritech Financial in August of 2017, by one of the company's 

representative (Katherine Allen). Throughout the conversation, Katherine notify me 

that her company works closely with student loan companies in an attempt to help 

individuals lower their student loan rate. She also mentioned that I am qualify for loan 

forgiveness under the teacher loan forgiveness program. She further states that as a 

result of Ameritech having a relationship with these programs they are able to 

negotiate and provide me with a low/discounted payment option. I was told that the 

payment needs to be made on a monthly basis through their payment center RAM, I 

have made payment 10 consistent payments only to be notified in July by FTC that the 

payments were not going towards my loans. I contacted Ameritech and I was 

consistently getting the running around, and they deny the claims when I ask them 

about the pending case they currently have. When I requested a refund, they refuse to 

issue a refund. I had to contact my financial institution to block all future payments to 

them. This is unbelievable, the interest on my loans have increase and now I have to 

pay a ridiculous amount of money to my loan servicer. Ameritech needs to be held 

accountable for their actions.

1793 99112257 08/20/2018 Ameritech

Consumer is calling to report that she received a letter from Ameritech offering their 

service to consolidate her student loans. Consumer contacted the company and set up 

payment plans. Consumer has paid $2400.

Ortiz Attachment A - 435

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 436 of 511
Page 436

# Reference Number Complaint Date Company Name Complaint Info Comments

1794 99012697 08/21/2018 American Financial Benefits 

Center

Consumer is calling saying she had received a notice about American Benefits Center. 

Consumer says she had made payments to them so they can help get her student 

loans down to zero. Consumer says they had all her information because she did 

provide to them. Consumer says she had paid around 2000 dollars in total. UPDATE 

8.21.18: Consumer now has a list of all the dates that she made those $200 

transactions: 4/3/15, 5/4/15, 6/2/15, 7/3/15, 8/4/15, 9/2/15. CEO's name given. 

1795 99113069 08/21/2018 AFBC

I was led to beleive that by filing with this agency they would help me with my student 

loans. I was told they would reduce my payment from close to $500 to only $100 a 

month. I was never told that the money deducted from my account every month was 

going directly to them and none of it went to my loans. I was also told that this program 

was approved by the Department of Education as well as all of the government entities 

that work with student loan debt. It wasn't until I vefied with my lenders that nothing 

was going towards my debt and my debt was increasing due to the interest rates that 

were acruing taht I stopped the payments.

1796 99113226 08/21/2018 Ameritech

i was contacted by an Ameri Tech Rep regarding my student loans. They led me to 

believe that they could me provide me with relief from my student loans as they could 

provide me with a lower payment each month. I have been having $99 automatically 

deducted from my check for rhe past 3 years with the understanding that these funds 

were being applied towards my student loans- not the case. i recently started receiving 

letters and emails regarding the alleged fraudulence activity on behalf of Ameri Tech. I 

have placed a stop payment request with my bank preventing any future deductions 

from my account. I dont know if I will be able to recoup my money, but i hope I will and 

this company does not need to be able to conduct buisness with anyone. Other-Other 

Update

1797 99115973 08/21/2018 Ameritech

I recieved notification about the ftc lawsuit against Ameritech and what they were 

doing, so i did what the paper said and called in to cancel my membership after 

learning i was being ripped off and they agreed to cancel membership but as soon as i 

mentioned getting my money refunded, they had an issue , basically tried arguing with 

me and tried to find any and everything to use against me to not refund me. By the end 

of the call i was in tears and upset with nothing resolved. The manager i spoke with 

then contacted me via email saying he heard of situation and wanted to resolve my 

issue, so i tried again, it was the same inconsiderate man who brought me to tears 

days before, i was only able to cancel membership with none of my money returned to 

me.

Ortiz Attachment A - 436

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 437 of 511
Page 437

# Reference Number Complaint Date Company Name Complaint Info Comments

1798 99116403 08/21/2018 American Financial Benefits 

Center (AFBC)

 

help with loan subsidization and payment assistance. I called and spoke with 

representative Paul Vogelsang. He explained to me that by paying a monthly fee to 

AFBC for 10 years ($99 per month) my loans would be forgiven, because AFBC would 

take over paying my loans for me. This would mean that I would save over $35,000 on 

my college loan. He explained to me that I would no longer need to make any 

payments on my Great Lakes student account loan for the remainder of my borrowing 

period, because AFBC would be handling it entirely. I signed up immediately and my 

payments for the first 6 months were $219 (the extra $120, Paul explained, was to 

cover the fee for using their services). I paid $219 per month from June 2015 to 

December 2015, and $99 per month from January 2016 - July 2018. AFBC would also 

periodically charge me additional fees throughout the year, "to file additional 

paperwork", according to them. Finally, in late July 2018, I received an email from 

Great Lakes saying that my loan forbearance was ending and that I needed to begin 

making regular monthly payments again. I was very confused by this, as AFBC was 

supposed to be making payments for me, I thought. I opened my great lakes account 

and called to speak to a representative. I found out that AFBC had not made a single 

payment towards my loan during the entire time I was paying them. They essentially 

put my loan on forbearance, which caused more interest to accrue over the 3 years I 

was not paying down my college loans at all. Meanwhile, I was paying AFBC to do 

absolutely nothing at all, except put me further in debt. I called AFBC immediately to 

cancel my services with them and request to be refunded the $4,500 they owed me, 

along with the balance for the interest I accrued on my loans over the past few years. 

They were unwilling to discuss with me and did not make any attempt to apologize or 

reimburse me for any of the money I had wasted. They cancelled my account promptly 

and hung up the phone with little dialogue. The customer service reps and "loan 

advisers" at AFBC are complete liars. While their website is relatively true to what they 

"do", it is stated in very misleading terms which can be deceitful to a new college 

graduate who is desperate to pay off insurmountable student loans. This company 

preys on inexperienced young adults and steals money for doing absolutely nothing. 

They should be responsible for paying back all of the money they stole and be held 

accountable for any interest or other fees that were compounded by each individual 

1799 99116414 08/21/2018 Ameritech Financial

Consumer rcv'd a letter about FTC v. Ameritech Financial. Consumer has been paying 

Ameritech Financial every month to resolve their student loans, but Ameritech has not 

been fulfilling the terms of the contract. Consumer agreed to a contract of 10 months 

at $88/month.

Ortiz Attachment A - 437

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 438 of 511
Page 438

# Reference Number Complaint Date Company Name Complaint Info Comments

1800 99122941 08/21/2018 Ameritech

I received a mailer about school loan forgiveness. I read the mailer and it said to 

contact them so I called and spoke to a representative named Anthony. We talked for 

a long time going over my student loan debt and how they were gonna save me so 

much money and clearly stated that the $82 a month payments were going to pay my 

student loan then it would be paid off by a certain date. He even had his supervisor, 

Michael, get on the phone with me to confirm. As months went on I was confused why 

I was being contacted by Nelnet. Apparently Nelnet was the student loan consolidation 

company that Ameritech sourced with and not only did I have a debt to Ameritech but 

now I still have the same student loan debt but with a different company. Nothing but 

lies from Ameritech. When I went to call Anthony for further assistance and this was 

only days later, he was not there. He gave me a specific extension and everything to 

reach out to him and it was a females voice mail, I left a message for Anthony to 

contact me and he never responded and I never heard from him again. The company 

never said that they were a third party putting people in touch with other loan 

companies to consolidate their student loan debt. Never expressed that whatsoever. 

The scripted sales pitch they used expressed that Ameritech was the student loan 

consolidation company and kept reitirating how much money that I would be saving 

and how I was going to be paid off in 5 years compared to 20 years with he other 

company. I want what I paid into this scheme back in my pocket. $82 a month drawn 

from my bank account for 7 months! January of 2018 until July of 2018. I contacted 

them per notice from the FTC telling them to stop our contract and to stop taking funds 

from my account. They have ceased the withdrawl of funds from my bank account. Any 

questions, please feel free to contact me.

1801 99137634 08/21/2018 American Financial Benefits 

Center

Consumer rcv'd a letter about FTC v. AFBC. Consumer has been paying American 

Financial Benefits Center every month to resolve their student loans, but Ameritech 

has not been fulfilling the terms of the contract. Consumer agreed to a contract for an 

unknown length of time at $305/mo.

1802 99137883 08/21/2018 Ameritech Financial

Consumer is calling to report that he received a letter in the mail from Ameritech 

Financial. Consumer indicate he has been a customer since 04/2018 and is paying 

$173 month and payment was drafted out of his account.

1803 99138323 08/21/2018 Ameritech Finanical

Ameritech Financial lead me to believe that my bank draft monthly was going toward 

my student loan. I send documents about my income and banking information to get 

into a reduce budget plan and then be eligible for loan forgiveness after the loan was 

paid down. Instead, I continuously received telephone calls from the Sallie Mae 

(student loan company) informing me that they were not receiving any payments from 

Ameritech. I started the bank draft in 06/09/2016 for the amount of 207.00 until 

07/09/2017 of reoccurring payment of 99.00 until 11/30/2017 when I received another 

call from Sallie Mae. Then I stopped all payments.

Ortiz Attachment A - 438

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 439 of 511
Page 439

# Reference Number Complaint Date Company Name Complaint Info Comments

1804 99138461 08/21/2018 Ameritech Financial

VMCB:18VA7293 Consumer left a voicemail in regards to receiving a letter concerning 

the FTC v. Ameritech Financial lawsuit. Consumer states that her student loans are 

currently in deferment and the consumer states that Ameritech is involved in her 

student loans. During the call back the consumer stated that she could not recall when 

she first came into contact or method of initial contact with Ameritech and could not 

provide a monetary amount that she has paid the company. Consumer was referred to 

follow the direction on the letter she received to secure her loan accts.

1805 99144008 08/21/2018 Ameritech Financial

Consumer is calling to report that she received a letter in the mail from Ameritech 

Financial. Consumer indicate she has been a customer since 2017 and is paying $248 

month and payment was drafted out of her account.

1806 99150158 08/21/2018 Ameritech

I received an email and a letter from you in regards to Ameritech. I joined this group 

several years ago because they said my payments were going towards my student 

loan and towards total forgiveness. Now I am reading that it was a complete waste of 

my money. If you can please keep me updated on any refunds we can get out of this 

that would be greatly appreciated. In the mean time I will get it cancelled. Thanks

1807 99150346 08/21/2018 American Financial Benefits 

Center

I was contacted by AFBC in 2015 telling me of an Obama program to help reduce my 

student loan debts, they stated that I needed to act fast because the program would 

not be in effect long. I signed up with their program and was encouraged to refer family 

and friends. They claimed that they would make payments on my behalf to reduce my 

loan and I would pay them a fee every month in return. In late 2016 I was notified by 

AFBC that I would have to make payments on the loan directly, which I found 

confusing because I was still being charged a fee. When I asked why I had to make 

payments on both my loan and still pay them a fee, that is when they informed me that 

the fee was only so they could process my paperwork on my behalf. After looking 

further into my student loan debt, I found that my debt balance wasn't decreasing but 

had actually increased by several thousand dollars since 2015. I cancelled my services 

with AFBC at the beginning of 2017.

Ortiz Attachment A - 439

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 440 of 511
Page 440

# Reference Number Complaint Date Company Name Complaint Info Comments

1808 99150680 08/21/2018 American Financial Benefit Corp 

(AFBC)

A few years ago I was having some fiancial difficulties. I came across information from 

AFBC for reduced payments or pay nothing toward you student loans. I was skeptical 

initially and even asked to speak with a manager; however, he assured me that they 

were a BBB affiliate and that they can really help. I had several inital larger payments 

then reduced to 11 payments where it was then supposed to be zero dollar payments. 

My main concern was that I was already in a program working with the state for the 

loan forgiveness program and the manager swore that these payments would count, 

even the zero dollar payments, toward my qualify payments for 10 years. I lost out on 

nearly 1 1/2 yrs of payments that I could have gone toward this program. This really 

aggrevated me. I did make a compaint to the FTC about this. I was then told and did 

not know that the US Dept of Education handled what they were handling for free. I felt 

scammed. I suppose I was.

1809 99163754 08/22/2018 Ameritech Financial

Consumer received a email from Federal Trade Commission with Ameritech Financial. 

Consumer reported that he was having trouble making his student loan payments. 

Consumer received a letter from Ameritech Financial about services to help pay off his 

student loan. Consumer was told that he had to pay for the services. Consumer $99 a 

month and consumer made the payments out of his checking account. Consumer said 

for the next 4 years the payments was staying the same. Consumer applied for a new 

job and his payments increased to $152 a month. Consumer reported that they never 

paid off his student loans. Consumer found out by his loan service provider.

1810 99164124 08/22/2018 Ameritech Financial

Consumer reports they were contacted by Ameritech Financial offering a lower monthly 

student loan payment. Consumer reports they also offered student forgiveness. 

Consumer reports they have been taking their money and not putting it towards the 

loan. Consumer reports they are paying at a rate of $99 a month.

Ortiz Attachment A - 440

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 441 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

they contacted me telling me i was supposed to be ma

1811 99204613 08/23/2018 Ameritech 173 a month for a year after a year it would drop to 99 

dollars to student loan and doing that after 25 years lo

I was told if I made payments of $199 each month for debt would then be paid off in full. They would apply mdebt. My first payment to them was by a credit card in that they debted my bank account on 1/7/2016, 2/26/2twice on 5/23/2016 for $199 each time. When two exaamount were taken out on 5/23/2016 I contacted my beliminate one of those two payments. I was told to firswould refund one of the payments. When taking with A

1812 99210600 08/23/2018 American Financial Benefits Center because they weren't willing to refund one of the two d

be "credited" to the 120 total payments I had to make debt paid off in full. I told them that I could not afford fever in any month because my finances were that tighwas a done deal which they could not reverse. I then land was told that none of my college loan debt had bewas a scam. I immediately contacted my bank and plaautomatic withdrawls by AFBC. I was never able to rescammed me out of. Unbelieveably, they still have beto have me enable them to make deductions so my stI've never since replied to any of these subsequent att

Consumer states that she received a letter from the Fdue to deceptive practices, consumer states she was 

1813 99210635 08/23/2018 Ameritech her student loan from Ameritech. Consumer states tha

month to $50 a month for two years, they were able to found out that no payment was going to her student lohow she can retrieve her money and where to receive 

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 442 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

I was reffered to Ameritech Financial by a friend. I cowith Tim Robbins. He explained the program to me, wmy password with Navient, and spoke about my incompayments would be. I believe I started to speak with a went over my my income to determine how much my 

1814 99214750 08/23/2018 AmeriTech Financial stated that I would make these payments, and after 10 

payments, loan would be forgiven. They have continuemployer, because I work for USPS I may get a discorepresentative stating she needed more paperwork, "spayment plan", so this is when I realized that none of my student loans.

1815 99214797 08/23/2018 American Financial Benefits Center Consumer received letter, about American Financial B

didn't know that, they were making her pay, for studenbeen taking 99 dollars a month, out of her account. Co

I just got off the phone with MyFed Loan and they infobeen submitting my PSLF forms for the last two years I am not sure if my last two years of employment counprogram. They also repetitively ask me to provide my MyFedLoan.com. Although I was reluctant to do so at 

1816 99215168 08/23/2018 Ameritech Financial information. Looking back, that just seems unprofessi

emails saying they need to expidite things and need thdocuments they were submitting to were often unlegibaccording to the representative I spoke to from MyFed believe that the process was significantly more difficulwith a representative from MyFed Loan, I was able to begin the approval process already.

1817 99215310 08/23/2018 Ameritech Financial Consumer is calling to summit a complaint against Am

money and not paying off her student loans as told.

I was mailed a flyer from AFBC who claimed they wou

1818 99215455 08/23/2018 American Financial Benefits Center in the student loan forgiveness program from the depa

called them they maintained their claim. I hired them about two years later when I found out that they had nonly kept filling out derferment forms. At that point I te

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 443 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1819 99215707 08/23/2018 Ameritech

The consumer states he was introduced by a friend to forgiveness. He was told by them that they could lowe100. per month for about three years via his bank acche received the letter from the FTC about the recent anot qualify for a refund.UPDATE 08/23/2018: Consumamount he paid Ameritech Financial. Consumer state

 UPDATE: 08/23/2018 Consumer stated that 

confirmation email. 

1820 99224744 08/23/2018 American Financial Benefits Center

I was contacted by this company back in 2015. They ihow they were accruing interest. They also informed mstudent loan forgiveness. They offered to help me conpayments that I made would go towards one company me. They said that for a year or so I would be making their services and to go towards my student loans perpayments would go down to $50 a month. That was wwhen I check my student loans there was no paymentthey were still accruing interest. when it came for tax tinformation about my student loan so that I could file tthey do not provide that information because the paymmonth is actually going towards them to pay for the sethey worked on my student loans for an income-based known it was too good to be true. when I found out abtime today to sit down and read it. I called them and aprogram. The first customer representative I spoke wiwith me when I asked to unenroll and asked why I waI had received an email detailing the lawsuit FTC had me that they (AFBC) were actually the ones that initiattransferred me to a manager to assist me in unenrollinmanager got on the phone he wanted to know why I wgo over everything about the program not making payWhen I informed him that there was another student lforgiveness, he informed me that there is no such thinbut them. He proceeded to try and argue with me aboI was not calling to argue I was just calling to unenroll. me from the program I was going to call my bank and very shady about unenrolling. I wish I had listened to mfully on them before I signed on.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 444 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

Consumer is calling to report that she received a call fservice to consolidate his student loans. Consumer co

1821 99224765 08/23/2018 Ameritech payment plans. Consumer was told that he would only 

they have taken $856. Consumer states that they are Consumer states that they did not agree on this plan i

The consumer is calling concerning Ameritech Financ

1822 99232532 08/23/2018 Ameritech Financial them and was with them for 4 years and has paid app

service. Consumer has called Ameritech Financial to done for her. The consumer had signed up to have he

1823 99232539 08/23/2018 Ameritech financial i had contact ameritech financial several times reques

to provide this refund.

I was approached by Ameritech back in march of 20company offered a program that would help me get mstanding. it would coast me a $150/month. I paid 5his of this year(2018). i started geeting letters from my stu

1824 99232618 08/23/2018 Ameritech behind than i was when i signed with ameritech bur i 

account. when i tried to contact ameritech i couldnt geMy student loans said they had not recieved any payyears. now Im out of money and in debt further. on towith letters and lawsuits for the past few months that i Update

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 445 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

American Financial Benefits Center (AFBC) mailed co

stating that they could help apply for loan forgiveness inquiring about the service. Eli Anderson was the reprmentioned the service the company would offer. For a towards my student loan, the other would be for their sforms, and keeping me current with my student loan sexplanation stating that by working for a public school would be eligible for the loan forgiveness program. I s2015 and AFBC originally charge my back account mo

1825 99232657 08/23/2018 American Financial Benefits Center months, thereafter, I would get to pay $50.00 a month

have been asked numerous times to submit paystubssign various documents that are related to programs sPlays, Based Income Repayment Plans, etc... The coan employement verification form to be submitted towhappened that I contacted my student loan provided aall. I had to submit the form to my student loan provideThat is where I am currently standing with AFBC and wthey had submitted all forms to my student provider anapproved for loan forgiveness or at least be in the sysor the like. So up to this point, I don't know if after all tloan forgiveness.

Ameritech Financial made promises about student loa

contracted with them and paid them monthly for their spocketed the money as opposed to using for my stude

1826 99232729 08/23/2018 Ameritech Financial correspondences with them if you want to look at them

do to be of assistance - especially with the current lawAmeritech. I did what the letter said - contacted Amerithem, as well as request a refund and when i finally gome $200 to settle. I said no thank you.

1827 99232746 08/23/2018 Ameritech

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 446 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1828 99232754 08/23/2018 Ameritech Financial

Ameritech representative, led me to signing an agreemwhat I thought was Ameritech taking over my parent pthat I was being signed up for a loan forgiveness progon time and renewed my loan agreement every year, 25 years. Jason said my payments would be approximand asked Jason if both my daughter’s father and I co$99/month payment in addition the initial $99 (paying pay off the loan quicker. His response was that the loa

more than you have to. I was still leery but went on his agreement, my loan payments to Nelnet stopped, whitime. I received notification from Nelnet that there was assumed everything was moving forward.Then I receibeginning of November showing my loan balance at $confused. I immediately called Ameritech and spoke twas getting this email. She explained that the loan wabut the loan will continue to be held by Nelnet. I said, sloan during the 25 years I’m making payments to Ameresponsible for at the end of the 25-year term if my loabut assured me that the Department of Education wounot to worry.On April 16, 2018, I received an email frowas due. This is when I really got confused. The same saying I was approved and am now in the loan forgivereceiving a notice from Nelnet. The rep said that’s my am I paying to Ameritech? She said that’s just the serwas told. This is a complete bait and switch. She said the situation.They came back to me saying that they rJason and admitted that he mislead me and “they wansay that’s when the Federal Trade Commission stepphalt.I contacted Ameritech asking for a refund. Their rgiving any refunds while they are going through the cocontacted Nelnet to see what interest accrued during 

1829 99232755 08/23/2018 Ameritech

Consuerm is calling claiming he received an email froAmeritech, Consuerm states he does not know why hnever signing up with this company to help with his stuthat his loans are in deferral and recommended him to information gather from consumer as of now.

Ortiz A

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# Reference Number Complaint Date Company Name Complaint Info Comme

when i was signed up with the conpany i was still goindue for payment. I told them my graduation date and tloans was due for payment. they stated the program wpayments i made would go towards the balance. so i sthe first payment of 210.00 and then 140.00 dollars un2017. during that time i received information that my lo

1830 99232757 08/23/2018 Ameritech consolidated or paid. I had to contact nelnet to get the 

past due. I contacted ameritech abd requested a refunthem.They refused to return any of the funds and said Im a single mom and work as a cook and only make 2very tight. That money could have been used for my kloans, which is 61,000 dollars. so the student loans arlife.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 448 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

I received a letter in the mail with information about stwould qualify for possibly all of my loans. so, naturally maybe, just maybe, student loans would finally be in thme a VERY convincing conversation how they would hthousands of dollars for only a small fee. They compaBOTH my husband and I since we could not combine consultation, we provided the documents they asked fthat were agreed upon. Loan servicers was switched fthey would be more "willing" to work with our paymentwould be paying Nelnet. We did both sign forbearance stop payments until all the paperwork was finished. NEforbearance was for an extended period of time accumwithout knowing. Never received statements from Nel

1831 99232797 08/23/2018 Ameritech Financial Ameritech had all access(we didnt even know the info 

received all of our statements, which in itself is disturbhappened because they were hiding the truth to where We were told that Ameritech fid not make payments tlshowing RAM would be taking our payments automatEACH a month, approximately $80 of it to one one thimany payments the amount would drop. Assuming the and when we payed them off, that is ehen our paymenwe though we were paying at least something towards over $2000 later we find out that we accumulated mormoney. They did refund 2 months worth of payments days later, 1 month was refunded. I called and had to other month refunded was. They claimed it just wasnt the second call and a few more days later that they reAmeritech is out to scam people out of their money!!!!

1832 99232802 08/23/2018 Ameritech Consumer states she was paying Ameritech/Financia

forgiveness. Consumer found out it was a fraud.

Consumer called to report that he was in business wit

1833 99232835 08/23/2018 Ameritech Ameritech did change all of his passwords on his FAS

consolidate his loans which they were supposed to.

1834 99232838 08/23/2018 Ameritech

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 449 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

This company promised me my money i wad paying mstudent loans. After a year and a half I noticed my stu

1835 99232841 08/23/2018 Ameritech Financial Ameritech. When I called to complain and ask for a re

money would go to my loans. They denied giving me a denied giving me my money back.

I was contacted by Allen Usher who explained Amerite

1836 99232859 08/23/2018 Ameritech Financial relayed the benefit of how they could help with my stu

several documents and provided my login credentials contracts inception, I’ve paid roughly $2,000.

1837 99232861 08/23/2018 Ameritech Finacial Consumer states that she wanted to maker a report a

paying off her debt.

The consumer received a letter from the FTC about threports she paid them an initial fee of 2,000 and then 

1838 99232870 08/23/2018 Ameritech. so. When she got the letter, she called her servicer an

money went to the loan. First contact was they mailed advantage of. Their first name was First Account Contswitched to Ameritech.

I was offered a student loan repayment plan. My first imy information before being told the amount I would bsaid $108 per month I told him I couldnt afford it. After 

1839 99238027 08/23/2018 Ameritech Financial the company who was withdrawing money(RAM) and 

be withdrawn their reply was I was obligated to ameritlawsuit and contacted them again they refunded me $membership not a repayment plan.

 I was contacted by Ameritech financial in January 201would be paying them will go towards my student loanmonthly withdrawals from my checking account I start

1840 99238062 08/23/2018 Ameritech Financial emails from the federal government saying that my m

very overdue. I called the company and asked what wspoke to could not help me therefore I told them to clothey would do that and never did, currently they keep account without helping me in any sense. i hope that yso, i will also be filing a suit. Please contact me for an

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 450 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

I was contacted by Americtecg financial and told this wrepayment plan. After many payments I was still being about upcoming payments and when I contacted Ame

1841 99238103 08/23/2018 Ameritech financial not need to pay the student loan payment just them. I 

than the amount listed but I am unsure of exact amoumy bank statements. I found out that my monthly paympaying off my student loans so I cancelled the accouncustomer service reps.

I was mailed in what appeared to be government affilistudent loans. This was amidst new initiatives being cso I thought it was legit. I called for more information bogus references they conned me into believing that istudent loans, that due to my overall income, the rest 

1842 99238148 08/23/2018 Ameritech Financial of paying this percentage. They required a substantia

to take out a monthly payment of 173.00 every month FTC about potential fraud on their behalf. I contacted cancel, in which they assured me they would, but who on that. Specific names of those dealing with me who Britton, Debbie Zaks, and Holly Halverson.

i have been with Ameritech Financial since Oct 2016 a

1843 99238180 08/23/2018 Ameritech financial thought all my information would be secured and hand

never thought that this company would just take my mstudent loans. its alot of time invested and LOTS of m

I received a notice in the mail for the forgiveness progand I spoke with a representative by the name of Dan for over an hour because there was documents and lohelped sign me up and said that it will be going towardstudent loans monthly payment is $82 and it will eventlong as I keep up with the payments. I also got my bf o

1844 99238302 08/23/2018 Ameritech Financial was $102 and we have been paying it automatically d

about a year until another program we got in contact sWhen I called Ameritech back to cancel with them the monthly payments these are for their fees in which thaDan Hamilton. If was also a recorded line and the supwere paying a fee that we had no clue about because going straight to our student loan when little did we knhave been paying it every month for over a year.TOPI

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 451 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1845 99238309 08/23/2018 Ameritech Financial I recieved a letter in the mail indicating that this compa

federal student loans. I have emails supporting my clapayments made were going to the federal governmen

1846 99238313 08/23/2018 Ameritech

The company misrepresented themselves when they contacted me offering a repayment plan for my studenpayments i would be making would go towards my loadetermined time i would be forgiven for any remaining would be based on what i made. At that time they detewould be 125 a month based on my income. i paid thecontacted them wuth questions reguarding my accounthat the money i had been paying them were service fme and nothing went toward my loans. I asked for somsupervisor or whoever to speak with. When speaking what the company actually does. At this point i requesbecause they misrepresented what the company did. being recorded when i signed up with them i requestebecause what they did to me wasnt right and I felt like to them i wanted my money back and was denied stateven an investigation into what their represenatives w

1847 99238348 08/23/2018 Ameritech Financial 

I was called by Ameritech Financial in January 2018 - voicemail, offering me a way to manage my student lodeep in student loan debt and self-employed. I did somAmeritech Financial and decided to call the agent bacassist me. Keep in mind - I was initially skeptical, but smanaging my crippling debt. After speaking to the ageFinancial could help me pay down the debt -- if I was awas my understanding that the monthly $82 fee would partially address my debt, so I agreed and signed up wUnfortunately, after agreeing to make these payments with a laundry list of documentation that I needed to pactually start servicing my loans. I was unable to proviself-employed person in between jobs- yet they continmonth - $648 in total. Upon receiving info from the FTlawsuit, I am shocked to learn that "Ameritech does noto your loan servicer." This is after giving them access information online via NSLD (they even changed my palso have access).

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 452 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1848 99238441 08/23/2018 Ameritech Financial 

When I began making payments to the Ameritech comthat they would charge a small fee to make sure paymjob was to contact me if there were any concerns or c$3,000.00 in monthly fees over a few years, to find oustudent loans. Once needing to add my loans from my Ameritech Financial to double check the status of evewould be the same payment and my loans would be pof a 90-day late payment on my Credit report, droppindue to none of the money going to my actual loans whcontacted Ameritech Financial and was extremely disaand "lack of documents" they said came from me; whprovided multiple times over the years. I closed my acfor the money, when I got the notice that this has happunfortunate and a complete waste of time and money student trying to make whatever payment I could on ma total scam...

1849 99238471 08/23/2018 Ameritech

Consumer states that she received a letter from the Fdue to deceptive practices, consumer states she was her student loan from Ameritech. Consumer states thafor two months and for 22 months she was paying $99 they were able to forgive her loan. which she found oher student loans. consumer wants to know how she cwhere to receive additional information.

1850 99238472 08/23/2018 Ameritech Financial

AmeriTech seemed like the most legitimate fraud exp

even linked me to the Student Aid government site anpaperwork on the .gov website. I believe that paperwoenroll me in the government program. It was legitimatshould work, right? Also, will I receive a refund from Aprocess my paperwork I submitted to AmeriTech to be Loan Forgiveness Program" and count the first 24 paypayments should be taken from AmeriTech through pleast, can the interest I've accrued in the past 2 years do. I hate that awful human beings exist and continue rest of society. Thankful we have people like y'all tryinthe executives up, please.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 453 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

I was contacted sometime in Aug of 2016 about a propay off my student loans. After hearing about the progwere $933 with a monthly payment of $119.00 of whicand the other $20.00 I was told that they would send oloans. At that time I was paying well over $200 a mont

1851 99238516 08/23/2018 Ameritech Financial me. It wasn't until 2 months after I signed up and paid

realized that they were not sending my payment over charged only there part of the payment which was $99 everymonth to make my $20 payment. I was on the pso before cancelling my account. I have my loans undwhere I received my degree from(DeVry). I notified thpayments on hold until the outcome and was talked ouMy account was eventually cancelled by them out of th

i found out after them taking out money for at least 2 y

1852 99238517 08/23/2018 Ameritech any of it to my student loans and they were still showin

It harmed my husband and i from getting approved for and didnt help my student loan at all. Other-Other Upd

ameritech sent me a letter to inform me that i qualified forgiveness or half of it paid off. i called the company bought my student loan from fed ed and my loan was payed ameritech up to 1500.00 then after my paymenincome i gave them my information from fed ed they cme the new password ameritech told me i would recebut to ignore them that then it will stop and it did a yea

1853 99238530 08/23/2018 Ameritech ed i called them and they advised me to make a police 

fraud. i did as i was told my interest accumulated on mbuisness bureau then ameritech contacted me and gacause i contacted better business bureau they ask me resolved ameritech took advantage of me because of for help on how to reduce my payments . they lied i owthey caused me and my family more financial stress adoing something about this company hurting people wfamilies and live day to day

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 454 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

Ameritech financial has misrepresented me by reduce

toward my student lone like they say. Ameritech has cmonths and 99 dollars after, once I call them after two standing with my loan balance they then say it's not gostupid membership. When I sign up I was told they we

1854 99238595 08/23/2018 Ameritech rate and then it would all go away after I finish paying 

them. I want a refund of all of my cash I have paid outmoney to do nothing for my loans and set me back furI started with Ameritech financial since March 2016 thto be in their service and document fee and it will go toit will drop to $99 for the rest of my loan. They have lietoward my student loan repayment.

Ameritech Financial sent me an email about helping m

loans April 18, 2018. I called and spoke to a reprensemade payments of 173 dollars a month for a year, the 119 and I would pay that amount until the balance for 

1855 99238677 08/23/2018 Ameritech Financial paid for 12 months and the total of the payments was 

email that was sent to me by the FTC regarding the laFinancial for their fraudulent actions and I am outragewas taken by these heathens. I hope my complaint hemy lost money.TOPIC:Referrals

They told me they were working on behalf of the Fedewhich I owe student loans that I am in default status. I for which they would make payments for me for a peri

1856 99238774 08/23/2018 Ameritech Financial debt would be wiped clean. i gave them a down paym

monthly bank drafts. as soon as I signed up, my paychstudent loan lenders, so I called to adk them to stop talender was already taking over $1000 a month througstopped. i finally had to go through my bank to put a sinitially reverced those payments, but has since deduc

they have been charging me for almost a year but the

1857 99238829 08/23/2018 Ameritech financial chargig me $88 everymonth. I am still deployed right n

email from financial that my student loan debt haven’t up. And my name used to be and i changed my n

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 455 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

i was told by a friend that she'll get refer someone cre

can call them. they'll help me with my student loan deb

1858 99238884 08/23/2018 Ameritech fee and monthly payments of 99. i was told it'll go towa

months later i was warned about ameritech. so i called threatened to report the company as fraudulent to BB

1859 99238997 08/23/2018 Ameritech

monthly payments.

I was called by Ameritech stating that they would be aapply loan forgiveness, and lower my payments. i hav

1860 99244375 08/23/2018 Ameritech Financial month for almost two years. I recieced an email from t

looked at my fedloan account and nothing as been paback to me! this is so wrong, here i thought i was payithe past almost two years and nothing! i am so upset! 

I received a letter in the mail from AmeriTech in June address was on the envelope. I then contacted AmeriTwith Kelsey Sizemore. Ms. Sizemore told me that Amedollars to complete the paper work and bring down my $14,000 if I agreed to sign up with their company. Ms. 

1861 99244511 08/23/2018 Ameritech $800 would be taken out of my checking account in a 

paid in full. After that, Ameritech would take out $175 pay it towards my consolidated loans. I then received informing me of the law suit. I called AmeriTech and Bpayments. AmeriTech stated they are not reimbursing AmeriTech over $2,000, none of which has gone towa

1862 99244588 08/24/2018 Ameritech Financial

promised and signed, AmeriTech still refuses to pay b

My name is AmeriTech promise mto start going down from the Student Loan I started at $163,297..Im so stress out that i dont know what to do 

1863 99244613 08/24/2018 AmeriTech Finanacial loan. I will do anything for this AmeriTech and Navient 

millions of people and stealing there money thinking thPlease, please need Help as soon as possible and wicompany stole for me for liers. Please call me if needemessage if i dont answer please...thanks a million.

i reached out to the company after i recieved informat

1864 99244633 08/24/2018 Ameritech Financial loan forgivness. After a year of making payments we f

made to my loan company. we have wasted all tjis mo

money back.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 456 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1865 99244666 08/24/2018 Ameritech I was told my monthly payments would go towards my 

lied to me.

Ameritech took 100.00$ a month out of my checking a

1866 99244681 08/24/2018 Ameritech student loans. none of my loans were paid by them. 

100.00$ wnd they had no answer. That went on for a

This company makes you believe they are paying a postudent loan. For so long I paid them thinking even jus

1867 99244810 08/24/2018 Ameritech financial reality nothing was. When I finally realized they were g

me to fill out paperwork for my loan provider, somethinthe past, I closed my account.

i was contacted by ameritech via mail several times aand relief opportunites. I am not sure of exact dates brecolection i contacted the compnlany and spoke to a believe i was going to be paying money towards my loeligible for student loan forgiveness. after aproximatly 

1868 99244811 08/24/2018 Ameritech financial not gone down so i contacted them and was given the 

representatives. i asked for a supervisor and he told mthe provide and not my loan. i was furious at this point because i was never given this information. he declinethe "SUBSCRIPTION" to their services. I took it as a linformation aboit the lawsuit against them and decided this company and the wrong doing they have done to 

I have been a customer at AFBC for the past 4 years. the 49.70 a month automaticly withdrawn from my accmy student loans and prepare all the paperwork. Thewas and failed to reveal how they falsify the documencompany. AFBC did not turn in my public service loan student loan company and just assessed my account 

1869 99245054 08/24/2018 AFBC forbearance while charging me monthly. They did not 

student loan. After I heard about the current lawsuit agstudent loan company and found out what was not gono records of me being in a public servive loan forgiveprogram. I am qualified for the ten years which their wAFBC today after finding out the deceiving information them.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 457 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

Ameritech Financial reached out to me to offer what I 

forgiveness. They led me to believe that I even though only qualify for federal student loan forgiveness by pawere deceitful and purposefully false. They charged a their services and monthly charges thereafter, which tsigning up for their program. I thought those monthly pmy student loans. When I found out that they were ins

1870 99245078 08/24/2018 Ameritech Financial returning to me minimal services, I terminated my acc

extremely difficult). I tried to terminate my account twictransferred my call to a smooth-talking salesman that only be forgiven if I was enrolled in their program. The taking their bull and terminated my account. In the timmy loans accrued a massive amount of interest and wpaid in full. For all the people who were taken advantahope the FTC shuts them down.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 458 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1871 99250371 08/24/2018 AFBC/American Financial Benefits Center 

I believe back in 2014 or 2015 i received a letter in the loans by reducing the debt and lowering the rate. This Financial Benefits Centerc/o Document Collection De#200Rohnert Park, CA 94928 I signed up and they tolqualified for one of their programs. They explained to $1200 fee to get into the program and maintain it. I pamonthly charge then dropped to $99 a month. This mowould go towards my student loans. I would have to pmy debt would be paid because i was working at a noThey did say they needed all my loan and log informatupdated. They requested income information from my November 2016 i was diagnosed with breast cancer. I that i was unable to work following my mastectomy anthat my monthly payments would drop to $50 a monthtold them that i was placed on disability because the cinformed them that i was going to apply for complete fkeep paying my $50 until i was approved so that my sbehind. I'd been paying $50 up until this month i receivinformed them that i wanted out. The lady on the phonbasically about the misrepresentation by this company forgiveness.She immediately turned me over to the su

of minutes he picked up the phone. He asked me a feanything. He stated all my payments would stop this mif they have indeed stopped. I am unsure about the exknow it was about 3000 or more. thanks.

1872 99250405 08/24/2018 Ameritech

Ameritech presented themselves as a legitmate financ

provide lower monthly payments based upon income. perfect payment record! TOTALLY SCAM! Please proextent permissible by law! 

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 459 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1873 99250797 08/24/2018 Ameritech Financial

Ameritech had called me several time leading up to Ffinal time they had reached out to me before I had ansThey had reached out to me about setting up a plan to had put a matter of intense ugency on this matter. Havprocess via cell phone, we had been several hours on I had spoke to Ashley Foster and Desiree Gill getting payments go and for the past 5 months, i have been gthe first charge on 03/25/2018 in the amount of $165.0came on the same day (25th) from 04/2018-07/2018 ithose times. I feel very decieved because they had tolstep into paying off my student loans. Therefore, I had payments I have made were, in fact, payments paying me a copy of all of the information we discussed via pphone and i “okay’d” the signing process via telephoneincredibly more in depth and detailed than what they sphone. The link to these documents were sent to my e(desiree.gill@ameritechfinancial.com) and signed elec“https://salesforceintegration.na1.echosign.com/publicdrawn a red flag when i continued to receive messageEducation Loan Servicing about scheduling my paymeFinancial is very unethical and deceptive. It is clear thaand understands they can easily manipulate customerpayments while giving the perception that the customeTo reiterate, AmeriTech Financial is very unethical antaken advantage of.

1874 99254942 08/24/2018 Ameritech Financial

I have been paying Ameritech Financial $108 a month me when I called to cancel my account that I would onand then it will forgive the rest of my loan. I stated thapayments was to help my credit score but yet my credbecause the total amount of my loan keeps going up. said that I will just be stuck paying $300 a month if I dnow canceled but it was a waste of $1680.

1875 99255090 08/24/2018 Ameritech financial

i recieved a call about lowering my student loans from work needed and was told my payments would be lowyears to due to my employment in public safety.

Ortiz A

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# Reference Number Complaint Date Company Name Complaint Info Comme

I was contacted by Ameritech through mail concerning looked offical and having my grace period deadline apwas the 'new Sallie Mae' judging from the letter's appeof new companies as third parties of the government the number from the letter and was directed to go onli

1876 99255273 08/24/2018 Ameritech studnet debt account. I was promted to enter in the ne

future logins on my student government account. I enbecause the rates were cheaper payments monthly thon the federal site presented. I was under the assu.ptgo towards my student loans until I saw a $80.00 debiimmediately call and the representative redefined the not until the call did I realize that Ameritech was a third federal government's direct repayment. I unrolled that 

1877 99255435 08/24/2018 Ameritech they keep calling me wanting to collect monies-i want 

respond.

this is a formal complaint concerning a deceptive finanFinancial.I was enrolled in a loan reduction/forgivenesyear 2015 designed to reduce/forgive my FedLoan in 

1878 99255837 08/24/2018 AmeriTech Financial fee to enroll,then I would be billed in monthly installme

part of the reduction/forgiveness program,however I wwas not the case,afterwards I received a statement frohad increased with added interest,now I'm requesting a part of my participation in a binding FTC lawsuit invoCFPB Issue Type: Dealing with your lender or servicecharged --- What Happened: I paid Ameritech both up

assist in servicing my educational loans. The monthly 

1879 99257567 08/23/2018

Ameritech Financial|Ameritech 

Financial|Pennsylvania State 

University-Penn State York

services" which I never used and was under the impreUpon learning of the FTC's suit against Ameritech ( FTCivil Action Number: 4:18-v-00806) I cancelled my accthe $99/month fee which began in June of 2016 and cAmeritech denied my request and noted that Ameritecbelieve that this money should be refunded. --- Have cResolution: Return of the $99 monthly fee for the perioSchool Unit ID: --- School OPE ID: 

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 461 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

CFPB Issue Type: Fraud or scam | --- What Happene

1880 99257927 08/23/2018 Ameritech Financial|Ameritech Financial Federal Trade Commission that Ameritech Financial C

student loans to my direct servicer. --- Have contactedwant them to refund my money back.

CFPB Issue Type: Dealing with your lender or serviceabout your loan --- What Happened: These people jus

1881 99258035 08/23/2018 Ameritech Financial|Ameritech Financial I do not have student loans and I have asked to be rem

contacting me. They have been doing this for at least CC Issuer --- Fair Resolution: I just want them to stop student loans and there is no reason for them to be co

1882 99263859 08/24/2018 Ameritech

I was contacted via cell phone, I was under the impreshelp me have a affordable monthly payment to pay off me to state I had more depenedents than I did. Amerianyone who you helped by "giving a ride to, loaning m

1883 99264153 08/24/2018 Ameritech house" and more examples. I do remember Richard T

frustrated with me when I asked him to explain in furthcomplete my loan paperwork to continue to get me a fpaying 5 or 6 months of $235 a month. After receiving contacted navient and they stated no payments had bloans. I would like to be reimbursed for the approx. $2

I received a letter from Ameritech Financial in 2016, cnice and professional who told me I could pay them 99 and then my loan would be forgiven. They told me thapaying my debt, that they were a mediator between mthat I'm not the only millenial scared out of my skin abme most people feel this way in my position and that tpayment plan. It made sense to me, as it would be pa

1884 99264350 08/24/2018 Ameritech Financial and it sounded do-able for my finances. I paid hundre

months for "processing," then paid them 99 dollars eafrom the FTC. I called Ameritech to cancel and they toright, nothing illegal or wrong. I contacted Nelnet, who and it has had no payments made on it in two years. Funder 2,000. It's in forbearance now but I will now starI had been doing for 2 years. However, I'm nervous, bNelnet isn't just another scam? I don't understand why directly.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 462 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

Consumer received a letter from the FTC about the Aspoke with an agent but did not start a complaint. Con

1885 99264535 08/24/2018 Ameritech Financial this company $164. to help lower his student loan pay

no money was being paid to his student loan companywith Ameritech had been previously closed but they keaccount.

1886 99264744 08/24/2018 Ameritech Financial Consumer would like to file a complaint against Ameri

misrepresentation and not paying her student loans.

Ameri Tech contacted me ensuring they would help ge

loans. They claimed they would give me a lower monttowards my student loan debt. A year passed and whe

1887 99270235 08/24/2018 AmeriTech Financial they told me no payments had been made on behalf o

scammed and the monthly payments I thought I was ploans was just being pocketed by AmeriTech Finanicarefused to give it to me as it was not the kind of servic

I called AmeriTech Financial when I received the lettestopped making payments because I saw that nothing 

1888 99270667 08/24/2018 Ameritech loans. When I did receive a call from AmeriTech Fina

money that I had gotten a letter from the government. would not be refunded my money because they were to talk/argue with the person and he just got more rud

Consumer reports she had been involved with Ameriteis taking to task. Says she has 4 years invested with t

1889 99270699 08/24/2018 Ameritech Financial Group had gotten something in the mail from them initially. B

Reservist she would pay monthly for 10yrs and the resforgiven. She told them she wanted her money back bonly refunded $600

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 463 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1890 99275954 08/24/2018 AmeriTech Financial

AmeriTech Financial contacted me through an official themselves as strong advocates for student loan borrolarge balance on their student loans. They told me thaliason between the borrower and Fedloan. They made Loan Forgiveness Program, which, because I am a puenroll in, was a program only their company could get use Ameritech's services Fedloan would keep me in slife. Furthermore, I was told that I would need them to me of Fedloan deadlines or I would risk being dropped signed up with Ameritech and paid them $157.00 per specified, then payments were decreased to $99 per m$3,536.00 in fees to AmeriTech Financial. I now realizforgiveness programs is free; all I had to do was sign required updated documentation one to two times per scammed; none of the fees to AmeriTech were necesprogram or for me to stay in it. AmeriTech Financial tas providing a vital service to the borrower that was noconsumer, I absolutely should have done my homewocompany;although I did call the Better Business Bureasaid that they were a legitimate company. To be honlife, I was scared; my deferment time had run out on mdidn't find a way to keep them current I would default. a student loan default would have absolutely destroye

financial future. AmeriTech defrauded me of a sizable find even more immoral was their willingness to prey opurposefully lie and distort the facts. It is, in my opiniotaking steps to shut this organization down so that theother financially vulnerable people who are just trying order to provide a better future for their families.

1891 99276053 08/24/2018 American Financial Benefits Center

When i became aquainted with AFBC by a phone call loan fogiveness. We were to pay 99 dollars a month intold that AFBC was getting the entire 99dollars per moWe were told this with the information from the lawsui3600 dollars. We were also told by you that this paymyears. That was never explained. I have severed all tieinformation and have begun paying NAVIENT on my oto be true usually is!

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 464 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

ameritech contacted me a few years back regarding a student loans. They told me i would be making about student loans would be taken caee of n eventualy forgbesides the 210 dollars oaid to them, I’d have to pay mnever diclosed that information. so for o er 6 months i king that the student loans a d their fees were being p

1892 99276068 08/24/2018 Ameritech reviews about their company. i called them. and cance

wasnt getting anywhere with this company. on my last charging me for something i couldve done for free, if i and applied for a payment plan at no cost. all they did they already had and collected 200+ dollars from me. many graduating students who were just looking to fix debt whose monthly payments are ridiculous. Which it many clients who were hoping to settle their debt. they im sure much mkee to other individuals.

I had gotten a call from a man from Amertich Financiamy school debt that was about $100,000 and lessen it 

1893 99276181 08/24/2018 Ameritech Financial Inc $200 a month for the first year and $100 the next year

of my account a couple of months ago and then for a emails telling me Ameritech was ripping me off and mfinancial aid loan debt. Now I.am lookimg.yo you dor h

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 465 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

I was approached by Brandon Frere in summer 2013 and discussing my student loan situation. He approacmy conversation and gave me his card. I later contactI was rushed through the documentation without being sign. They asked for an upfront fee of $1,200.00 (in 4 11/5/14) followed by $600 (in 3 payments of $200 starpayments of $49.70 starting 3/5/15. I was happy with t

1894 99276249 08/24/2018 American Financial Benefits Center (AFBC) about your current complaint against them. I started re

managed to get my montly student loan payments to $dependents. This may have damaged my chances of Loan Forgiveness (PLSF) program. I had previously cmontly payments were $0 and got a document that apretrospect was not. I have most if not all documents aam seeking reimbursement for the original costs totali$2,087.40 (42 months of paying $49.70). I would also should their actions have damaged my PSLF qualificadamage they may have done to my PSLF qualificationshould you have any questions. Other-Other Update

i was contacted by mail after i graduated. I thought the income driven plan. The customer service representaactually paying on my student loans. I called several ti

1895 99282376 08/25/2018 Ameritech was paying for and i never received a straight answer

actually learned the payment was not going towards mservicing my loans. I learned I could do all of this for frstudent loans would be lower through an income drive

A friend who uses this company gave them my numbe

loan forgiveness from this company if I paid loan for 1student loan would be forgiven. AFBC charged me an consolidate my student loans and pay on my loans eaThe total payment was to be $300.00. I was charged 

1896 99282515 08/25/2018 AFBC with nothing going towards the actual loan. I never wa

which was supposed to go towards my student loans. them last month(July) and feel they owe me the $99.0from my account over several years with no help on stfor nothing. Would you please look into this and let me advance, 

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 466 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

When starting my accouting with Ameritech I was my monthly payment would be alotted to my loan. I was aloan haf lapsed and was about to be defaulted when i postcards about student loans and finally called. The like he was the one if i had issues I would contact him

1897 99282652 08/25/2018 Ameritech Financial to have my loan deffered, and then I began the month

the $1000, and then making payments until I was fed believed I was making payments on my loan account Instead I payed money I didnt need to pay for services asked to cancel it was to late for the refund since it hapossible to get a refund I would pay the full amount on paid off. Other-Other Update

I was contacted by Nelnet to set up payment arrangemI told them I was with AFBC, I was informed they were When I tried to contact AFBC to find out what was goinever received a call back from the company so I ema

1898 99282762 08/25/2018 AFBC received an email to call them at a number and when 

a survey on how I liked the company and then it would again and this time when I did, it told me the same thigovernment student loans. I did ask them to put it on hthat Nelnet explained to me that the loan may be takehaving accreditation. It was then put on hold as of 7/2

I was sending money to ameritech thinking the were h

1899 99282781 08/25/2018 Ameritech just recieved a email that theyare being sued i have se

money orders.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 467 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

I was recruited/targeted by Ameritech Financial in Augwere a part of a new loan forgiveness initiative by the President Obama. I thought this added more credibilitwere helping low-income college graduates enroll in lowalked me through how much money I would save if I It sounded like an incredibly long commitment, so I as- free of charge and without repercussion - sensing a that it wasn’t a problem, and it would be at no cost to mto say that all the money I would pay until then would bwasted. Considering I ended up paying them over $2,

1900 99283058 08/26/2018 AmeriTech Financial|National Secure Processing scam and cancelled, I find this negligence incredibly ir

intention was made to convince me my payments werbalance, and even when I confronted the leading supeintentional deception, he was still apprehensive and cavoid culpability at all costs, trying to redirect the convconfess that I was paying for a service which essentiamoney; money that I worked hard for with the sole goaloans. This company preys on financially unstable and with complete abandonment of ethical responsibility. Tcircumnavigate direct inquiries about the use of our padeprives us of our legal right to information especially misuse of our funds, and this deliberate deception to sshouldn’t go unpunished.

i was told that they would reduce my student loan pay

1901 99283096 08/26/2018 Ameritech be able to have my loans forgive.......what a disappoin

because now i know it was a lie and they took all this in the first place.

I contacted Ameritech because they advertised being repayment, when I contacted them they told me that thand the money that I paid them would go towards paytowards my loan. I have been with them almost a year 

1902 99287422 08/26/2018 Ameritech loans were being paid and I have paid them over $250

towards my loans. I was working on the Public Service I had a year of credit in the works and now I find out, tdebt has continued to grow. I feel that they have trickesince cancelled my account with them) and I feel that have been going towards my loans.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 468 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1903 99287427 08/26/2018 Ameritech Finacial

I was told by Ameritech Finacial that working for Unitea total student loan forgiveness program. The qualificworking for a public service provider. I was told after payments my remaining student loans would be forgivpaying $82 every month. after my first year ended anupcoming year i noticed a significant change in my padollars. I also received a phone call from the Departmpast due payments, in which the total was less than Acontacted Department of Education. I was told by the tge payments I've been making to Ameritech have beethat working for United Parcel Service was not a publicalled Ameritech and questioned why would they offer which I didn't qualify for. I also asked Ameritech what to andb they told me all my payments were for their seand reported back to the department of education to gcurrent. Long story short Ameritech is a rip off, but theto enroll in the "Public Service and Saftey Student Tot

1904 99287460 08/26/2018 American Financial Benefits Center

The company contactes me with the promise of helpinpayments. I cant recall if it was a letter or a phone callintial fee paid split out over a few months - I think it wamonthly payments would be $49.70...all framed as beloans. it wasnt until got a notice from my lender that i that had happened was they put the loans into forebarproperly to renew the forebarence. that got resolved abelieving that they were acting on my behalf to ultimatfinally realizing that nothing i had paid to date was goicalled them to cancel. it was then they disclosws that payment down to 0 due to hardship - by claiming i had comfortable with the deception i canceled. i am really investigating and i hope it wins! AFBC is a fraudulent really need help! (please pardon the poor puncutationtyping on my iPhone!)

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 469 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1905 99287664 08/26/2018 American Financial Benefits Center

In an attempt to relief my student loan debt, I was conBenefit Center back in March 2015. I've set up an accmonthly payment starting in July 2015 to pay off my stpayment was around $150 and monthly payments avevery displease that American Financial Beneft Center Federal Trade Commission due to business practices attention that my payments were not going to my studproducts and services. As the legal action is in place ascam, I am hoping the necessary steps are taken in dcontacted via email or phone for any additional questio

1906 99288002 08/26/2018 AmeriTech Financial

I was going through the Student Loan Forgiveness Prenrolled when they contacted me. They claimed that tway to get my student loans paid off. They did not exphowever, I believed them because they had all of my iowed. They laid it out to me what I would be paying mthe SLFP). They said the first year would be a $99.00 and then after that each month would be more based nothing of it being as they got into my Federal Loans athrough Federal Loans saying I owed nothing monthly enrolled in the SLFP through them (the correct way). Trenew I did all of my renewal stuff through the actual Fmy approval for that, however, I continued to get emaneeded to give them my information because they neethought something was weird about it since technically then they should have my information. So I never sent because I felt uncomfortable and felt like something wemail stating they have a lawsuit against them for exathem. I have been paying monthly towards absolutely am in utter disgust about it. They were so shady when beginning "explaining" the process, and all of my quesmanner. The person I spoke with who was "enrolling" and I asked multiple times for that person to slow dowdidn't seem to do either. I am extremely upset that this yet, and upset that I have paid over $1,200 towards abought to be shut down and reprimanded for their wron

1907 99297768 08/27/2018 Ameritech

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 470 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

AMERITECH COMPLAINTS: The consumer rcv'd the 

1908 99298393 08/27/2018 AFBC consumer stated AFBC was not forth coming on the c

payments.

Consumer calling stating that he received a letter from 

1909 99298454 08/27/2018 Ameritech Financial the company failed to deliver on their promises to enro

program that they claimed would permanently lower m

I was contacted by them via email with promises to lowassociated with student loans. I filled out all thier papesupposed to be 6 mos at 257.00 then go to 99 a montloan payments from that date forward. However, that put my loans in forebearance and then they became d

1910 99305600 08/27/2018 Ameritech Financial supposed to be while they were getting the payments 

would be less than what I was paying monthly. significover and my payments became due again I contacted they werent able to reduce my loans and therefore I wplus thier 99 dollars a month. At that time I faxed papstop the withdrawals. Called Bank of America and pumoney from my act

Consumer received a letter concerning Ameritech Finreports that he was promised to consolidate her loan p

1911 99305620 08/27/2018 Ameritech Financial Consumer has became aware that payments made to 

been going towards her loan. Consumer reports that hobtain the service. Consumer has paid $120/ for a yefollowing year debited out of his bank account monthly

I called numerous times to ask for clarification about t

1912 99305884 08/27/2018 Ameritech Financial to close my account 2 different times without it being h

the services they offered and refuse to refund me the fraudulent practices.

When the representative contacted me he said this wo

1913 99305887 08/27/2018 American Financial Benefits Center since it would be saving me money in the end, so I as

researched it quicky, which seemed reliable. Actually, me and told me the company was not who they said thstopped making payments and my last payment was imaking my payments it was a direct withdrawl from m

Consumer calling stating that she received a letter fro

1914 99306056 08/27/2018 Ameritech Financial that the company failed to deliver on their promises to 

program that they claimed would permanently lower m

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 471 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

They contacted me regarding my student loans and topayments. I started paying the 108.00 a month for 8 m

1915 99311279 08/27/2018 Ameritech Financial commission sent me a letter said they were a scam a

my refund for my money. I need more guidance to helmoney. Other-Other Update

Ameritech Financial contacted me regarding student l

my payments. I payed $ 108.00 for 8 months to them. 

1916 99311538 08/27/2018 Ameritech Financial recieved a letter from the FDC about Ameritech. I nee

refund for my money. UPDATE 08/27/2018 Consumeon his report read the privacy policy. 

The consumer has called to report that he received an lawsuit against Ameritech. The consumer received co

1917 99311873 08/27/2018 Ameritech their services. The consumer states that he ended up 

consumer states that he way it was explained to him wtheir fee ($100) but the rest of the money would go to rate would go down. The consumer states that they neI Was provided information from a colleague for Amercalled AFBC And spoke to a Christopher Washington signed me up for a program that would reduce my mo$230 a month with an upper front fee of $350 to get scompletion of sign-up was performed I was charged $assuming that my payments we’re going to my studenreceived a letter from -My Student Loans provider that when I reached out to the student loan provider and wsituated with a backtrack to me into a non-default stat

1918 99318132 08/27/2018 American financial benefits center been working closely with them since 2015 and had ca

membership to American financial benefit center, Whmembership they tried to sell me again with a new we$199 a month for my new payment for the inconvenienTaylor Mendoza I was irate and told them to cancel mexplain to them that they had not made one single paystudent loans that I was showing in default and I just sphone with my loan provider to get things straightened company until recently when I received a letter in the mhope that this company pays every dime they owe bacand then I’m able to see the money that was paid to thyou for reaching out to me via mail and aligned me to American financial benefit center.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 472 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

Consumer is calling to report that he received a letter 

1919 99318325 08/27/2018 Ameritech Financial Financial. Consumer indicate he was never a custome

going to enroll but did his research and ended up not 

AFBC COMPLAINT: The consumer's father reported 

1920 99318512 08/27/2018 AFBC to AFBC. The consumer's father reported no one is an

letter. 

Consumer received a letter concerning Ameritech Finreports that she was promised to consolidate her loan Consumer has became aware that payments made to 

1921 99318570 08/27/2018 Ameritech Financial been going towards her loan. Consume has called Am

service and obtain refund, consumer states that there answer. Consumer reports that originally called in to opaid $150/month debited from her account for about 4 

1922 99318619 08/27/2018 American Financial Benefits Center Consumer received a letter, stating that AFBC hasn't 

loans. The company has been automatically withdrawwants a refund.

I signed up with Ameritech Financial in April of 2016. I month each until March of 2018. As I was promised I twas going towards my student loans, I had no idea thaloans in forebearance and that the 99.00 a month was find this information out until March when I had to reneloan, and the new amount would be 295.00 a month p

1923 99318662 08/27/2018 Ameritech Financial month. The reason that I signed up with them in the fi

stated that per monthly amount for students loans and would be 99.00 a month forever. I had no idea that in and resubmit nor did I know that for the last 2 years mpaid. They purposely mislead me and encouraged me dependents on the applications. They never once said this and I just assumed that part of the 99$ a month wwas never offered any other services described in the 99$ a month for two years for filling out a 10 year forg

intered contract with AFBC had an enrollment charge 

1924 99324560 08/27/2018 American Financial Benefits Center membership charge of 1188.00 on 5/5/2015 when it w

fed loan services because i was sent an email and aft“true” fed loan center called AFBC to cancel i had to shear from them/AFBC again

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 473 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

First let me clarify that my husband is a retired U.S. Ato AFBC by a friend who said she had set up with them loan debt, so I contacted them because I have been adebt. They told me they could absolutely help me comloan forgiveness for a fee of $99. I assumed the fee wfee, but when checking my account I was charged a re

1925 99324614 08/27/2018 American Financial Benefits Center about the fee and they assured me that they could get 

$150 a month for the 10 year period then my loans woasked for my account and password information for mexpedite the process. I was very disappointed when I forgiveness program I had to switch to the income baswould make my payments higher than the amount thechose to end my association with AFBC and discontinsince with the income based program I was going to bthe balance anyway during the ten year period and the 

Was contacted by Ameritech . They offered to help on get it reduced. Been using them for over three years n

1926 99324649 08/27/2018 Ameritech time that my loan would be bought up and the money 

payment to the buyer of my loan. Every year I had to ucompany. Now I know it was a racket with this law sui

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 474 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1927 99324751 08/27/2018 AmeriTech Financial 

America from teaching english in China for a month. I finding a job. I saw an AD on Facebook about a loan fBaptist University alumni’s. I blindly clicked on it to find this company for loan forgiveness, but I was still confuexplain the process to me a million times. He asked mloans account so he can see how much I owe in debt. him my password information, so he tried to change thwould save a lot of money going through AmeriTech. didn’t know how he came up with. I was still unsure abasking questions, and I could tell he was getting annoon the phone for over an hour until he transferred me The lady said that she was not there to answer any quand for me to respond. When I asked her to repeat sosounded annoyed. (I’m a visual leaner and ADD, so it when talking on the phone.) Something in me wanted mind. No. I don’t want your help. Goodbye.” But I didnthrough with it. They took $100 out of my account and November. However, I haven’t given them any paperwconrtinue the process, and they still kept sending me take money out of my account again (for a reason I dolow so I qualified for the $0 a month on my loans right Ameritech $100. That didn’t make sense. Thankfully mme talk to my federal loans provider and find out that Service Loan Forgiveness program. With that informagave permission for them to allow my sister to open mto keep me as their client until my sister told them that Service Loan forgiveness program. That is when Ameallowed me to close my account with them. Now I knoAmeriTech. My experience with AmeriTech made me cost me more money (money that I didn’t have!). Now with my questioning because they just wanted my mo

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 475 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

AFBC contacted me by postcard to tell me I could get 

with their company. Instead of paying 22K dollars they 11K (I can't remember exactly) and the rest would be They said only certain companies (theirs included) wegovernment to offer such forgiveness. The plan was to several months and then $100 a month for a year or s

1928 99324773 08/27/2018 AFBC year 2022. I am still paying them monthly from my che

send AFBC my tax return and pay stubs for what they repayment - plan request). Last week I received an emregarding fraudulent practices. AFBC said not to worry but i don't trust them after all i have read so i am sendspoke with Nelnet the company who has my student lothe same amount as I did in 2012 and that I am not in driven repayment schedule.

I kept receiving mail from this company stating that I nloan payments reduced and get loan forgiveness. I cowas told that if I paid a low monthly payment for 10 yewould be forgiven. I had to submit all my paperwork searned, had to give them access to my fed loan acco

1929 99324887 08/27/2018 American Financial Benefits Center of everything but I had to be set up on an automatic w

paid 3 months of $257.95 and then I started getting msaying that my account was past due. I called AFBC athat I had paid them over the past 3 months was for dpayments. So the $773.85 didn't go to paying my studa scam this company is. I am single person trying to pwhat I make.

I have recieved three letters regarding the lawsuit on apayments to be put on hold until this is all over. I was 

1930 99324998 08/27/2018 Ameritech Financial $108.00 were not going towards my student loan and 

highly upset about this because I was misinformed annone of it went to my student loans. I hope this gets soback.

Consumer received a letter in the mail from the FTC iAmeritech Financial. Consumer wanted to know more 

1931 99325137 08/27/2018 Ameritech Financial complaint about the fact that she lost money from pay

she had paid them about $82 per month for about a yebank account.

Ortiz A

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# Reference Number Complaint Date Company Name Complaint Info Comme

Consumer calling to report that is part of the American that he would pay them for to pay off his loans and the

1932 99325319 08/27/2018 AFBC stated that they accessed his account and differed the 

approximately $10000. They would take the money oumonth.

I received a card in the mail staing that I could get my called the AMerican Financial Benefits Center and gavwas led to believe that my payments were being made 

1933 99325395 08/27/2018 AFBC from Navient with a balamce of 0.00 for that month.Ho

and I continue to give money to a company that now hto over $45000.All they they have done every month inow caused me further debt.

I joined AFBC for my student loan forgiveness programeach payment every month would go toward my stude

1934 99331217 08/27/2018 American Financial Benefits Center forgiven within 10 years of making continuous paymen

password changed and I did not do it and I called them was willing to change that day so we did. I am very upto check to see the reviews and to make sure it was aworked out and I get my refund back.TOPIC:Referrals

For about a year I paid Ameritech financial 130.00 a mto reduce my loans payments. That fee combined witpayment was less than I was paying before so I went w

1935 99331229 08/27/2018 ameritech financial scam and cancelled my account. They tried persuadi

they don't and besides the form is very simply to fill ou1500 dollars. They are criminals in a terrible banal wamoney.

Ortiz A

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# Reference Number Complaint Date Company Name Complaint Info Comme

1936 99331397 08/27/2018 American Financial Benefit Center (AFBC)

assistance with forgiveness loan & guaranteeing lowethem to telephone number listed on letter to further inqJanet Fletcher (800-488-1490, ext. 157) on July 7, 20would assist with qualifying for forgiveness loan prograpayment. I was convinced to provide my personal infowas never informed my loans would be consolidated & company first payment withdrawal from my bank accoNovember 10, 2015. They continued to automatically $99.00 with my understanding that those payments webegan to question and feel confused about the service & phone calls from Fed loan; indicating my payment wAFBC before March 2017 & I was informed to ignore ethey were still processing my application; further statinpayments. I continued to question process and paymepayments being made was for their service & that my forbearance. I was confused & stressed about the situknow what to do. The customer representative would loan remained in forbearance status for two years and reached out to AFBC on several separate occasions & they continued to say not to worry & that it would not aHowever, they did not stay up to date with my account payment due date, as I directed by their representativereported to my credit & it affected my credit score. WhAFBC, on 3/28/2017, they told me it was impossible & problem. It was approximately June/July of 2017, that towards my student loans. I had been laid off March 2added stress. I attempted to cancel services with AFB& spoke on most phone calls with Supervisor Paul; eathey would scare me by stating the paperwork was difthere were certain forms that needed to be completed program, &stated that if paperwork was filled out incor

Ortiz A

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# Reference Number Complaint Date Company Name Complaint Info Comme

I was doing my monthly payments directly to myfedloacouldnt make my monthly payments to fedloan and thphone and offered their help by lowering my paymentsof lowering my payment that I trusted this company. I 

1937 99331448 08/27/2018 American Financial Benefits Center monthly payments were being deducted from my bank 

suspicious when I needed to contact them and I couldwas if THEY contacted me. Later I found out that none thru. Fedloan contacted me that why I had stopped mmy story and this is when I realized it was a scam. I cauntil a year and a half later that I canceled my autodrahold of them to get my money back. What a horrible e

I was told by this company that I would pay what I cou

1938 99331591 08/28/2018 Ameritech financial around 10 years, then the government would forgive t

if it would negatively affect my credit and he reassured paying for approx 2.5-3 years. How can I be reimburse

When my account was set up for student loans the pebelieve that I needed them to get my account into the 

1939 99331767 08/28/2018 Ameritech financial him why did I need them to file the papers that i was a

repayment plan. He told me that we could not file the the company to do it for us. that is the only reason I wliars and refuse to give me back any of my money.

I had been sent several mailers from the company stastudent loan debt and help with a lower payment. I finand got enrolled in the program. I was told that after twould be paying around $170 a month. After several origianl loan company requesting payments. I was unwas going towards that loan payment. It was only afte

1940 99331816 08/28/2018 Ameritech Financial someone that I finally spoke to a representative that in

pay fo the services of Ameritech, to keep me enrolled original service company, and that I still was required well. After talking to several people at Ameritech, I canot told the truth when I signed up for the service, and called and requested to cancel the service and was triit stating that they were able to save me tons of monenow out over $1000 and am not happy at all!

Ortiz A

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# Reference Number Complaint Date Company Name Complaint Info Comme

This is so very frustrating, I spent $4,951.00 on this comy student loans than when I started. I work for a Ungovernment wants to make schools pay the student lo

1941 99331958 08/28/2018 AFBC into loans under false pretenses. But this company is 

owe the credit card and my student loans and have to budget to get everything paid for. So frustrating. The something regarding this. They need to be held accou

I received an email saying that they offered a program payments I called in and provided information, all the twere going to go towards my loans they would make tgot to 20 years the remainder of the balance would be month for 12 months with a $50 start up fee. The entir

1942 99331993 08/28/2018 American Financial Benefits Center with questions and was assured I was current and oka

remain in that 99-149 range. After a year of being skecalled to cancel. I was also told to file my taxes separarefused to do. I also dealt with Holly Novak who was a was lied to a lot and they told me different things every difficult also. I recently receive notice of a lawsuit pendexperience and provide my contact information in casThank you.

Consumer received a letter from AFBC (American Finlawsuit that is being filed. Consumer reported they told 

1943 99332102 08/28/2018 American Financial Benefits Center student loan debit but never did. Consumer first found 

phone call she received from them.Consumer called hthey told her she should never have to pay for debit reAmerican Financial Benefits Center them to ask what her for credit repair. Consumer has paid about $3000 UPDATE: 08/28/2018 Consumer called back with add

Ortiz A

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# Reference Number Complaint Date Company Name Complaint Info Comme

1944 99338242 08/28/2018 Ameritech financial

I was first contacted by Ameritech through the mail. Tway to decrease my student loan payments and/or recsigned up for their service over the phone, under the ipayments would be going toward my student loans. Wpayments weren't going toward my loans, I called to ccalled, the representative was trying really hard not to transferred me to their supervisor. The supervisor mawere offering me (to apply for total loan forgiveness afsomething I would be unable to do without their servicservice. I have been continually paying them $132/mo making loan payments right now because I am in graddeferment. After reading about this lawsuit, I now realI could do on my own, so the money I have been payin

1945 99338299 08/28/2018 American Financial Benefits Center

I received a letter in the mail. I did some online researthat it was accredited and seemed to have a good ratithe letter and they explained that they would be able to affordable. They charged me $150 for the first three mme $50 each month thereafter. I recently learned that something that the federal government offers for free 

1946 99338306 08/28/2018 American Financial Benefits Center

AFBC contacted me to help with my student loan consEducation Services (AES). I was informed if I went thpayments would be lower and the most I would have tmonth. However, my new student loan would be throuwould be placed in the Loan Forgiveness Program benot only was AFBC withdrawing $100 out of my accoupay FedLoan Services directly over $200 a month. I aServices, I was never placed into the Loan Forgivenesand FedLoan Services never received my documents and my employer. AFBC never forwarded FedLoan sdocuments. This was about a year after signing up wfrom FedLoan Services instructed me to call AFBC anand to go directly through FedLoan Services, which is Program. I had to start all over again with the Loan Fomonthly payments are more reasonable just going thrwas mislead and lied to by AFBC. Other-Other Update

Ortiz A

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# Reference Number Complaint Date Company Name Complaint Info Comme

About two years ago my mom called me and told me tsaid they can help lower the parent plus loan she had She said they would lower our monthly payment to $9on time. It was our understanding that that was our mspecify otherwise so for about two years we have paid month. We weren't aware that this was not going tow

1947 99338867 08/28/2018 AFBC back saying this is our payment for us and they never 

for the loan would be so it was assumed that was the They basically ripped us off for two years and i'm sure interest put on the loan. We could've been paying thapaying a scam company who clearly takes advantage loans. Its not right they should've been clear from the payment was for, had we known it was just to pay theare currently out of $2475.00 because of them and as from taking any more payments out.

The consumer wants to file a complaint against AmerThe consumer found them online and called them. Thinformation offering student loan debt relief services. T

1948 99338900 08/28/2018 American Financial Benefits Center her loans from forbearance and would pay down her s

found out that was not true at all. The suspects said apayments, the suspects said they would pay the rest oinformation they asked to log into her FAFSA accountpayment and then monthly payments via debit card. Tsums first. The consumer has paid a total of approxim

The consume wants to file a complaint against Amerit

1949 99342195 08/28/2018 Ameritech maid payments that over the course of 11 months. Th

$179 a total of $1969. The consumer reports that she resolved. The consumer reports she cancelled her ba

Consumer received a letter from Ameritech about a laConsumer first found out about Ameritech when they 

1950 99342196 08/28/2018 Ameritech with the services to help lower her student loan debits

payments to help with the student debit. Consumer waof her bank account. Consumer found out they are no

Ortiz A

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# Reference Number Complaint Date Company Name Complaint Info Comme

1951 99342792 08/28/2018 American Financial Benefits Center 

I received a post card with the information about that chelp reduce college loans or even ask for payment forDecember 2015. When I received it I wasn't interest bbehind that I called spoke with their representative Eritheir company helped with loan forgiveness or they cothat would be beneficial for both me the consumer and we moved forward with any signing of the documents agreed on $179 was going to go directly to my loans t15 months or so my payment would then decrease to course the amount was ideal for me because my work amounts were doable. In 2016, I believe I filed my 109attention for my taxes for the 2017 year, I was waiting received it yet and in my mind I had that I would be gebeen paying on the loan each month. When I finally cacould have a copy of it that said they didn't send those why if I was certain I would be receiving one since I haloan. They then put me on hold had me talk to a manathe company didn't make any payments towards the lotowards their membership. I was very upset and went with them. Told the manager when I started with the cexplained and that this was ridiculous, I was a single mcompany that was stealing money from people becaume I could have done for free and on my own. I just thdecreasing my high payments but instead I threw $38the money for something more resourceful or actually ahead and tried to keep me in the program by lowerinThey suspended my services and now I hear the law sI was not the only one they scammed. It's already hard education and everyday lives so that some company c

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 483 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1952 99342804 08/28/2018 AFBC

I was told by AFBC if I paid $99 a month for the next 2a 'debt forgiveness' bill that would clear out ALL my sccouple years I have paid the $99, however recently I hGranite Management (school loan holder). Now every on how much I make, so they must be filling out Forbemyself. So I paid them $1200 a year to fill out paperw$10? Not to mention all the interest goes to the loan, year, but 5k in interest goes onto my bill each year...so to AFBC and $100,000 added to my 50k school loan ahere

1953 99342861 08/28/2018 American Financial Benefits Center This agency failed to deliver on services promoted. Th

the financial burden of my family.

1954 99346337 08/24/2018 Ameritech Financial|Ameritech Financial

CFPB Issue Type: Dealing with your lender or serviceare being handled --- What Happened: I have been a 

since June 2017. I was signed on in the understanding give me a lower monthly payment and forgive my loanthen went and checked on my studentloan.gov accounto my student loan since 5/22/2017. I now have acquirmy student loan and been paying Ameritech $132.00 speaking with the Federal Loan that Ameritech has beforbearance without my permission. --- Have contactewould like all my payments to Ameritech to be reimbuof interest I have inquired for being in forbearance for 

Ortiz A

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# Reference Number Complaint Date Company Name Complaint Info Comme

1955 99346749 08/27/2018

Ameritech Financial|Ameritech 

Financial|College of Central 

Florida

CFPB Issue Type: Getting a loan | Fraudulent loan --- what I though was a student loan forgiveness program through my authorization have been having $99 debitemore than 24 months. I just learned the funds are not through the Federal Trade Commission via letter and Ameritech about this matter, the company denied the close my account as I wished but did not offer to returhave since had to contact my loan servicer to bring mwere showing I was in default. The company mislead mail and giving me false information as to how my stuAmeritech stated that my loan only had to be paid for listed family members of at least 10 people who receivI would have an easier chance of being approved. Aftinformation Ameritech said I was approved, and my payments were electronically submitted and my bank payments. --- Have contacted: CC Issuer --- Fair Reso

letter sent to me from the company stating they misleaforgiveness which will allow me to show this informatiostatement affects my credit ratings, and I should also Service Inquiry ReceivedAmeritech Customer Service <customer.service@ameritechfinancial.com>Thu 7/12email confirms receipt of your Customer Service inquisystem as Case # .We are working diligently requests, and will contact you as soon as possible so concerns to your satisfaction. In the meantime, we hatemporary hold.As a valued client of Ameritech Financpatience!Ameritech Financial Customer Service customer.service@ameritechfinancial.com 1-800-792

-- School OPE ID: 

1956 99350197 08/28/2018 Ameritech

Consumer is calling to report that she received a letteConsumer received a letter from Ameritech stating thastudent loans. Consumer called the number and set udollars a month. Consumer has paid a total of 3780 doaccount.

Ortiz A

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# Reference Number Complaint Date Company Name Complaint Info Comme

My initial contact with this organization was 3/23/2015

1957 99350379 08/28/2018 American Financial Benefits Center a month. After 5 payments of $199, the payments wen

payments I was making every month were going towaThis was not the case. AFBC would also log on to my knowledge and change my password if they needed to

I have been being billed $100 a month from this group an initial fee to enroll (though I do not recall what it wawas filing suit against this group and that none of my mloans. In addition, I do not recall completing the form 

1958 99350908 08/28/2018 American Financial Benefits Center money monthly. This company has made off with tho

none of that money has gone toward student loans. I of consolidation, but when I found out that I could not while going to school, I thought better of utilizing the psignature, this company has been hitting my account flike this to end and if at all possible retrieve the money stolen for the past three years.

Consumer is calling to report that she received a lette

1959 99356333 08/28/2018 American Financial Benefits Center Financial Benefits Center. Consumer found out about 

contacted them. Consumer signed up for their serviceConsumer paid a total of Unknown dollars.

Consumer states he got a letter from us about Amerit

1960 99356821 08/28/2018 Ameritech 11/2017 and he paid 173 a month. He paid with auto p

stop payment of 07/2018.

Ortiz A

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# Reference Number Complaint Date Company Name Complaint Info Comme

I am not sure the exact date of beginning of this servicbe around 2016. I strongly believe through tout this timamount towards my school loan. I have recently checkLawsuit and my loan has skyrocketed. They have donand kept any amount owed to the original school loanover and re-gain trust in my original loan company and they will set. I had to close my original bank account ahad access to my account to keep my other payments 

1961 99362857 08/28/2018 AFBC Very Frustrated with this events. I should have seen th

the first steps with this company they seemed to be on been contacted by my original loan company so I figurhave A+ credit and now I am afraid this will severely imthe mess they have left me in. As you can see I am veangry. All I can say is now I am in a very deep hole I mwould add, it is not just the money they took but the unmy original loan. Thank You for Taking the time to listmany more like mine!

1962 99362903 08/28/2018 Afbc i have been rioped off foe years asking fornproof that 

forgivnesd. they never producee any documents.

I was given information on my student loan(s) and wareceived from me would go towards it. I was advised tanother company for loan repayment, that I needed to 

1963 99362924 08/28/2018 AmeriTech Financial make double payments. Thank goodness I did not get 

that would help pay off my loan(s) quicker. I never subdocuments, but they still took payments. I provided my phone, which got verified by mulitple depts. When I asme a form with an electronic signature. I did not sign tto sign required that I print it and either mail or email it 

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 487 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

AFBC told me that I would have to pay them $50 a momy parent plus loans for 20 years. After 20 years the aforgiven. I was getting messages from FedLoan aboutold me they would take care of it and they were payinNEVER enrolled me in any loan repayment or forgivenroll my loans form the 4 years my son was at Dickinso

1964 99363307 08/28/2018 American Financial Benefits Center Now my loans are consolidated and my son has gone 

they consolidated the loans I cannot have them deferrwhen he graduates. I have an outrageous payment thout lied to me and now the interest is compounding anbecoming astronomical. I don't even know how my sopayments to me to pay it off when he gets out of grad AFBC when I realized that the money was not going osending me emails and letters asking me to come bacI am willing to be contacted to help out in any way so telse. They are ruining peoples lives like they have ruiNot sure of initial contact, but I believe I ended the conI contacted AFBC to assist in repayment or forgivenea non profit hospital and was told they could help me fsome of my student debt forgiven. I paid $400 in 3 ins

1965 99363380 08/28/2018 AFBC and would never hear anything. I would call and get a 

emailed documents never seemed to reach the right pyear I realized this company was not going to help megot caught up in a fraudulant company or practice. Unthat this was being worked on my student debt grew acontract I owed more than when I started the actions tI was told that the money paid to this company was to lump sum after money was collected. I just recieved a 

1966 99363590 08/28/2018 AFBC paid was for services and not to pay student loans. I h

and this company. My student loans have increased acompany for nothing.Offered very confusing paperwork; Hidden fine print; Mpayments were going towards student loan principal w

1967 99370309 08/28/2018 American Financial Benefit Center, AFBC make it clear the monthly payment was for AFBC to p

my student loan in a deferment status; Agent on phonyou had to answer "yes" or "no" and he used it to find income hardship.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 488 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

Contaced American Financial Benefits Center, to see 

1968 99370950 08/29/2018 American Financial Benefits Center payments for my school loan. They said they could he

to them for 25 years, and Income Driven pay back for was I could do the SAME thing, working directly with mwithout paying them the $49.00

Consumer received a letter in regards to FTC v. Amerthat she has been paying the consumer for the last fostates that when she first enrolled the consumer paid 

1969 99370964 08/29/2018 Ameritech Financial since. Consumer states that she received a mail solic

responded to the mailing that was offering the consumthe company for 10 years then the consumer's remainforgiven.

In April 2016, American Financial Benefits Center(AFBmy student loan forgiveness. I was paying them $199 impression that the money was going directly to MyFe

1970 99371197 08/29/2018 American Financial Benefits Center notified by myfedloan that my payment was late. Ther

out why my payment wass late if they were drafting mevery month. By contacting them, I found out that the go to my student loans. It was payment for AFBC procthat was it. Basically, AFBC is for lazy people who canproper documents. This was a toal waste of my monethey should be ashamed of themselves for tricking pe

Consumer is calling because she received a letter from Consumer states that she does not remember how sh

1971 99376980 08/29/2018 Ameritech Financial company. Consumer signed up for a loan forgiveness 

of $287 and $99 a month thereafter. Consumer called refund because she found out that the company neveher student loans. No refund was given but she was a

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 489 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

My daughter received the AFBC information letter in thstudent loan monthly payment notice, thus giving AFBfor helping to reduce her federal education loans. Tha2015 to register in its program, because it appeared to endorsement, which other private companies did not h

1972 99377074 08/29/2018 American Financial Benefits Center payment from unmanageable $250 to (after 10 month

$99 a month. We have paid nearly$4000 since 2015, federal student loan amount of around $30,000. That's says after 300 payments, 25 years, the federal studenloans. AFBC says if we want to pay off early, we owe and lose the money we have already paid to AFBC. Spaying AFBC, and only that company's assurance thaone at federal student aid center can or will confirm th

In October 2015 Sally Mae/Navient was calling me nu

1973 99377307 08/29/2018 American Financial Benefits Center owed $600/month in student loans. That was not doab

claimed "student loan debt relief". I called them to find scammed into believing that they could reduce my paythem $3,500 now and found out that not one penny weand sick over this. I want reimbursement. I want this c

I was trying effortlessly to make a repayment plan with assistance. I saw an add for Ameritech and called to kenrolled I was pleased with information and finally bein

1974 99382082 08/29/2018 Ameritech Financial received an email and correspondence on the lawsuit 

completely in shock and worried due to more than $50out in this situation. I has been a hastle to coordinate this is truly frustrating. Thanks!

1975 99382087 08/29/2018 American Financial Benefits Center Consumer states she got a notice from American Fina

signed up with them in 2015 and she pays 99 a month of 3564.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 490 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

The dollar amount is approximate as i cant recal the to$1600. I contacted the company after seeing their revOK they did explain the entire process they did make not go to my student loan however it’s for payment to for my student loan I stayed in a program a little bit ovat zero dollars during that time frame after the year I w

1976 99393316 08/29/2018 AFBC given a little bit of different information with the inform

would’ve made my student loan payments about the sown so I felt there was no sense in paying money evethe same amount is dueSo for me I do feel like they trcaught up in the program and then change all the infofeel like ot was a total waste of money being in the proupfront with you initially rather than waiting a full year athousand dollars.

1977 99393650 08/29/2018 Ameritech FInancial

 8/30/18

In December of 2016, I received a letter from Ameritehave been eligible for student loan forgiveness on my 

Affordable Education Act under the Department of Ed

and spoke with a customer service representative by tlast name Clark), who went through a series of questiwas indeed eligible for an income driven repayment p

Ameritech would be my representative, and that I wou

of payments (approx $150 each, plus $99 to federal lomonths (a total of 120 months of 'qualified monthly papayments to my federal loan servicer ON MY BEHALFlonger needed to interact with Nelnet (my federal loan Ameritech would make payments of $99 on my behalfAmeritech would be making payments on my behalf oservicer and that these payments went toward my 120 was NEVER TOLD that the $99.00/month went to Amservices until I spoke to them via phone call and askemisleading statements (phone call was on 8/27/18). In paid them approx $400 for their services and that the DIRECTLY toward my federal loans-this was in fact Finformation given to me from the customer service repwith their program. I have unknowingly paid them appcommunication services' I definitely do not need help 

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 491 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

Consumer states that she wants to report American F

1978 99402096 08/29/2018 American Financial Benefits Center Consumer states that she went through them to help c

for her student loan repayments. Consumer states shmonth for this service. Consumer states that she has Consumer didn't know the service she was paying for 

When I called they told me about the student loan forg

1979 99402407 08/29/2018 American Financial Benefits Center (“AFBC”) interested. They led me to believe that the $99/month 

student loan, not a membership for document preparapaying since December 2015 and feel completely violavictims who were preyed on and hope we all can get o

1980 99402659 08/29/2018 AFBC Consumer reports that she has gotten letters concern

has paid them $2376 over the past two years. Consu

i contacted AFBC in resoonse to several mailers they could reduce my student loans by thousands of dollardesperate financial situation and that vulnerability was company. The phone representative assured me that indeed reduce my student loan debt by more than ten he could redice my monthly payment to an amount I chom all of my oersonal information and signed up for obviously naive and trusting that they would act in goonot be farther from the truth. This company is nothing violated. After three years of making monthly payment

1981 99409055 08/29/2018 AFBC American Financial Benefits Center yet another loan comapny to say that my student loan

to them. Omagine my surorise as this was absolutely wasnt until I was on the phone with this new company taking money from my checking account all these yeatoward my student loan debt! I also learned that AFBC as well as provided false addressess an dohone numbI felt completely violated. The new company indicated not advantageous to me and actually is costing me evmore student loan debt than I had when I satarted compayment I can afford each month and a credit hihstory AFBC's deceitful practices. I am in shock that this comnothing but crooks and liars who prey on good people thing and pay off their debt in a responsible yet afforda

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 492 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

We were contacted via a letter in the mail claiming to loan payments and forgiveness once we pay them for have student loans for my son's college education so interested in. We called them and talked to a represenprocess. There was no mention of the fact that the fee was only a maintenence fee for otherwise free service

1982 99409137 08/29/2018 Ameritech Financial was not actually paying down the loan balance. After 3 

raised our monthly payment 300% claiming they neveand I should have been paying much more every monit wasn't saving any money compared to the normal Fbeen making. After cancellation and restarting the actdiscovered the balance had not gone down, but actuawere never told we were simply paying them to constagot a letter saying Ameritech was being sued for exacnot be legal and apparently it is not.

I was contacted by AFBC to refiance my student loans 

1983 99409367 08/29/2018 American Financial Benefits Center forgiveness option. After making several months of pa

just kept being put in forebearance and not actually benoticing this, I cancelled my services which has just inand thus increasing my loan amount total.

For 2 years I have been paying Ameritech $99 per mo

1984 99413548 08/30/2018 Ameritech Financial Little did I know this could be considered fraud and ac

some of the personal information I provided and forms used in a fraudulant manner.

Consumer called to report that she was in business w

1985 99421571 08/30/2018 Ameritech know why we had a case against them. Consumer ha

dollars.

Consumer is calling to state she received a letter from Consumer received a letter from Ameritech stating tha

1986 99421778 08/30/2018 Ameritech student loans. Consumer signed up for services with t

monthly payments. Consumer has paid a total of Unknchecking account.

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Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 493 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1987 99429157 08/30/2018 American Financial Benefits Center

I am highly disappointed in AFBC. i received an adverthat they can help with student loans and enroll me in loan. After speaking to a rep to collect more informatiThey have been taking $99 a month from me ever sinthe back burner until I received a lawsuit letter from thclarify and they noted that they do not pay into my studthe documentation portion. My exact words were, "Im for 3 years! A simply phone call could have resolved wi signed an agreement that stated they were not payinall you do is push paper, why did you note that i qualifwhen in fact you don't determine that?" The rep startesigned an agreement that stated we do not pay into yoterminate my services with them. And the rep noted tservices today but now the loans are my responsibilitywere my responsibility because now I'm $20,000 more could get my money back from those deceivers!

1988 99429626 08/29/2018

Ameritech Financial|Ameritech 

Financial|James Madison 

University

CFPB Issue Type: Struggling to repay your loan | Canrepaying your loan --- What Happened: I was contacte

refinancing my student loans. I was told that if I paid $considerable amount taken off the principal of my conthrough the process on the phone and asked the reprefurther required actions in order to begin. I was told “npayments and my debt would be reduced.Weeks later Ameritech requiring further documentation to continue had not been disclosed at the time I signed up but moof my account for several monthly pay periods.There wto contact someone at Ameritech for explanation of thstill been receiving the same email every week for the Ameritech stole hundreds of dollars from me. --- Have Resolution: Ameritech repays the amount I have paid for the time I used their services when my payments wthe reduction of my debt even though I had been deceSchool Unit ID: --- School OPE ID: 

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Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 494 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1989 99429709 08/29/2018

Ameritech Financial|Ameritech 

Financial|University of PhoenixArizona

CFPB Issue Type: Dealing with your lender or serviceabout your loan --- What Happened: I was contacted bexplained that they were affiliated with the federal govpeople who are struggling to repay their student loanscould pay a lower payment for a specific amount of timby the government. Ameritech sent paperwork giving with my loan lender Nelnet, my income, household sizThey clearly stated, that the money would go toward man automatic payment from my bank account on the 227 months. When I contacted Nelnet they discussed wreceived any of my monthly payments. The payment obelieve was being received to my loan provider NelNecontacted Ameritech after receiving a letter from the tthat in fact, the money I was paying was for their servithat point, I contacted and closed my "account" with Aand changed all of my contact information as such to with my student loan so Ameritech would no longer be payed Ameritech for 27 months totaling $2770.00. Netoward my student loan from 2016 through 2018. I feeAmeritech and I would like restitution for the money I pCC Issuer --- Fair Resolution: A refund of $2770.00 wEspecially, in consideration that I have had to hold 3 jocompany that clearly misrepresented themselves and have proof of the payments made to Ameritech over t

Unit ID: --- School OPE ID: 

1990 99438547 08/30/2018 American Financial Benefits Center

Consumer is calling on regards to a letter received by Financial Benefits Center. Consumer reports that Ameto enroll consumer into a government program that thlower monthly student loan payments for a loan forgivthat she was paying a monthly fee and the money was balance.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 495 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

ss.COUNTY OF _________ )My name is a letter from AFBC. In the following days I received an AFBC stating that I pre-qualified for a special repaymesave thousands of dollars on my student loan debt. I wstudent loan forgiveness plan because I was employetold me that my student loans would be forgiven after I worked in the school system.I believed that the paymwere going to my student loans. I received emails stat1040 and a pay stub. I signed all documents via an eleAFBC told me that my payments were $140 for the firsnext 9 years as long as I was employed in the school I got a job outside of the school system that my paymeyears. I thought all current payments were going to the agreed to let AFBC access my Nelnet account and as account showed that I owed $0 so I thought everything making payments on the 25th of month, when I was pnever missing a payment. I received emails throughouupdated paper work such as my W2, 1040, and a currreceived an email stating that I was still approved for tAugust 16, 2018, I received an email from the Federaof a lawsuit filed in the federal court against AFBC. I imasked questions about the lawsuit. They assured me ecompany FTC was not helping them follow certain guicompany by the books. I was assured I was on the rigthat I needed to sign some papers because of my new felt uncomfortable with the conversation that I had with receiving an email from AFBC, too stating that the Fedthey were filing lawsuits against each other. In the meaccount and they told me that AFBC has never made about the income base plan that I was on. I then calleI wanted the truth about the lawsuit. I also wanted to k

1991 99438961 08/30/2018 AFBC

1992 99445665 08/30/2018 American Financial Benefits Center

Consumer is calling to report that she received a letteFinancial Benefits Center. Consumer states she receiFinancial Benefits Center stating that they could help cConsumer called and signed up for services. Consumher checking account. Consumer does not know how 

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 496 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

I can't believe this happen to me. I check them out on suspicious. I'm just so upset about the whole situation

1993 99445932 08/30/2018 AFBC student loan payments to the correct people. All that m

The biggest surprise is receiving the letter from the Fethe fraud charges.

On Sept. 30, 2014, I was led to believe by the CSR froCenter (AFBC), if I were to continue working for a non

1994 99449861 08/30/2018 American Financial Benefits Center AFBC service position, that I would be eligible for the public s

program. I was told repeatedly by AFBC CSRs not to loans. After a finance talk in October 2017 my fiancé and told me to get out of it ASAP. I am now making reloans.

AFBC claimed to be a student loan company to help mafforadable. I was initially charged $800 upfront and $2014. I made multiple inquires about actual payments behalf, each time I was resassured that equal paymenremaining student dept would be completely forgiven 

1995 99449972 08/30/2018 American Financial Benefits Center program” for a full ten years. I recently discontunued 

zero money was actually being paid on my srudent loanaming the company as a scam. Again I inquired aboRepresentative Isiah McCall) reassured me my studenremaining balance woukd be forgiven. Nelnet told me student loans, that AFBC had been filing for forbarencpayments. As a result of on-going intrest encured, my 93,000. AFBC made blatant false claims & essently wpretense. This company should be forced to return al

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 497 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

1996 99450164 08/31/2018 American Financial Benefits Center

The customer service representative told me that the would go to my student loan repayment, if I signed upon my income. He said that due to a new change in lamonth for twenty years, the remainder of my loans woa plan Obama enacted to help college graduates forgfeet. At the time, it made sense because that was a huhave been paying since May of '16 and they have not information they gave me had changed in any way (th

being upheld). The letter from the FBC was a shock a$2,600+ I gave to AFBC should rightfully have gone to increases so dramatically; I would've paid a fraction of 

AFBC. I really hope you can find a way to make these 

ripped off, especially since some of them are in my bocircumstances that make it very difficult (impossible in 

1997 99463646 08/31/2018 Ameritech/American Financial Benifits

Four years ago I was approached by American Financloan forgiveness due to public service. I was told they of payments and paperwork invalved in maintaining mgovernment. Last month I was told I only have one yeNow I have notice that the money I paid did not go to m1200 and then 50 monthly. I was told that was all I hawould be forgiven. I work at begining. (which is non-profit) 5/17 I started full time fo

 I filed my employer

my fed loan.org and they could not find my application account with AFB and am trying to work with the govefixed.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 498 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

I had contacted AFBC after seeing an ad. My husband loan payment was high. After talking to them they said all types of information. Changing passwords teling mloan info to set up my new payments. Finally they. conwas set up and i began making my payments. MOHEand after talking. to them i got set up on a forebarence 

1998 99463857 08/31/2018 American Financial Benefits Center with AFBC. I couldnt get a response back so I contnue

money was going towards my loan anyway. After a yeAFBC and set up a new payment plan. They told me I program because my husband had started working. Whad been making were applied towards my student loI had been paying was not for my loan but enrollment was for nothing because I believe I actually set up my MOHELA. They told me there was nothing more I cou

of anyone again.

Americantech customer representative told me that thto my interest rate loan. Everytime I am looking my loa

1999 99463939 08/31/2018 ameritech financial Also they said after twenty five years I will not own any 

forgiven. What I need to know is, this is a loan forgiveameritech financial and pay interest rate in the same tto the student loan department. I agree to the lawsuit ftake advantage of me by taking my money and not ap

Consumer is writing to complain about Ameritech, who 

2000 99464122 08/31/2018 Ameritech commitment for them to obtain funds from his accoun

Consumer states he has yet to receive his refund from 

Consumer has been paying American Financial Bene

2001 99464158 08/31/2018 American Financial Benefits Center since 2015 to cover their student loan consolidation se

$1080 which has not gone towards her student loan dthe FTC regarding action being taken against AmeriteConsumer called back with additional phone numbers

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 499 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

 I was charged $88 a month since October 2017 to be forgiveness program. The fee was explained to me as forgiveness program, it was also explained that the $8the time my current loan plan which was $96 a monthyou not enroll in this program you’re paying less montyou’ll be paying even less. at the time that was a very and do not make a lot of money so I was looking to sarealize that the services were offered free elsewhere. this lawsuit or year later emails from the FTC has said 

2002 99464293 08/31/2018 Ameritech Financial not done right well also the money going toward health 

Which I have not received. Just speaking to a ameritespoke with customer service to finally cancel or opt ouwent to filing reports and all the filing with they’ve had years, it was also addressed that with my current studonly take 2 to 3 years for not mine to be forgiven as it’me a lot of factors are changing, just spoke with custoopt out and they told me that the fees went to filing rephad to do for my loans for the next 10 years, it was alsstudent loan amount that it would only take 2 to 3 yearit’s less than $9000 so it seems to me a lot of factors atime it’s going to take or what the money is used for.

Consumer has been paying Ameritech Financial a mo

2003 99464359 08/31/2018 Ameritech Financial to cover their student loan consolidation services. So f

which has not gone towards her student loan debt. ShFTC regarding action being taken against Ameritech.

I was referred to this company with the beliefs they wo

2004 99491683 08/31/2018 American Financial Benefits Center and that my payments made were for that. I was neve

towards my loans after letting them know that's was ththem. I made $99 payments every month for over 2 yepayments were not going towards my loans and cance

2005 99499381 08/31/2018 American Financial Benefits Center Consumer is calling to report that she received a call f

Center offering to consolidate her student loan. Consumonth for 10 years.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 500 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

2006 99499549 08/31/2018 AFBC

I have been making payments to AFBC for the past 6 years of payments I would get the balance of my studlawsuit and seeing my credit report showing my studeam extremely concerned. Now where does that leave back, I'm now stuck paying over $40,000 dollars in stube forgiven. This is so wrong at so many levels and sdeceived.

2007 99499729 08/31/2018 American Financial Benefits Center

I was contacted by AFBC representative, Kathlenne Dmy student loan. I had been receiving numerous calls representative but I kept ignoring thinking it could be a a voicemail saying “We will help you pay up your studepayment.” I finally picked up when AFBC representativpicked up because I was fascinated by the voicemail tdesperate, in other words, vulnerable about my pilling when we talked, she told me AFBC had helped many student loan payments. Kathlenne, AFBC rep, said, Astudents from not paying at all and AFBC had helped student loan forgiven and the once that were not forgivreduced to $99 a month. I was amazed. It was what I student loan. She told me we can do the same for youbank account to withdraw money directly from my accstudent loan. I was also told by this AFBC rep, that AFforgiveness because I'm a USARMY soldier that soldeeverything she told me. Last month, July, for some reastudent loan account then I realized that I'm owing ovecalled AFBC right away. I asked what happened with aaccount that was supposed to go towards my student representative could not answer my question and I reqcustomer service supervisor. Couple of days later, somthere was a misinformation from AFBC reps to their ccollected was for an account maintenance and procesyour mind. Processing for three years? What about wpromised AFBC would pay towards my student loan. Tlot of wrong and AFBC is a criminal financial enterprisand taking advantage of my student loan situation. Stua calamity and this is why many us of ran to AFBC for advantage of us and took my hard-earned money and loan while my student loan continues to incur interest. 

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 501 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

I have over $50k student loan since 2012, I worked foorganization in which made me eligible for a loan forgneeded to enroll in an special income driven loan. In ain regard to financial counseling and assistance witht 

2008 99499888 08/31/2018 AMERITECH FINANCIAL whole thing started. The promise was to pay three reg

that I was paying then to Fedloan and there after i will signed all documentation and provided everything thesix months all they did with my loans were to consolidforbarance status. They claim to be calling me to get aas I knew they got everything they needed. I canceled money back. Just that added my loans about $2k mor

I was contacted about the opportunity to consolidate mamount and still be in a approved repayment that falls 10 years and the rest is forgiven) as I work for a non p

2009 99512061 09/01/2018 Ameritech Financial would be cut in half from their current amount. I paid t

heard from Fed Loan services I heard my payment amthan what I had been paying them before signing up wameritech I needed to cancel with them as I could not left worse off than before I signed up.

I was under the impression that Ameritech Financial wpaid them $99 per month for the next ten years startin

2010 99512140 09/01/2018 Ameritech Financial difficulty keeping up with my student loan payments a

option. I am a teacher (and have been for 15 years) aEducation.

Ameritech Financial contacted me sometime in late 20

in repaying my student loans, as i had reached a fonacould not pay my loans, and Ameritech had an offer i told me, quite specifically, that i could pay $104 per mand my student loans would be forgiven. I took them 

2011 99512493 09/01/2018 Ameritech Financial them the agreed upon monthly fee. it was over 2 year

Ameritech was not actually paying my loans. my loans of the money i was paying Ameritech was goong straigcampany has stolen several thousands of dollars from about getting it back. can someone please advise me may be ?

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 502 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

I received letters from Ameritech shortly after i graduamonths of grace were up in the December and I realizstart paying the amount FedBank was requesting from Ameritech. I signed up with them around November 2

2012 99512630 09/02/2018 Ameritech Financial paying $173/month starting Dec and in a year I would 

making these payments I would reduce my student loaeventually reach loan forgiveness is what I was told. Nthis I am left wondering what the purpose of this compwith all of our money? I would appreciate all my moneactual student loans.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 503 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

2013 99516935 09/02/2018 American Financial Benefits Center

Forgiveness program. It was explained to me that I woas an enrollment fee, thereafter $99/mth membership begin repaying the loan once again, I would pay appromonthly fee and approx. $51.69 toward the loan). I askick-in during that first year. I kept waiting for AFBC to from $99 to approx. $150...it never happened. Sometibegan receiving mail, emails, and even bills from Fed why. If AFBC communicated that this would occur, I hthat communication. I was confused. I called AFBC, apaying Fed Loan Servicing - I was told "No, do not pay payments don't start until March". So, I didn't pay Fed was taking care of paying the loan and in March my pato reflect this. Again, no communication came from AFfrom Fed Loan which I ignored because I was told to nOn June 21, 2017 I received a phone call from Fed LoPAST DUE to the amount of $657.40. I was mortified. learned that I was to be paying Fed Loan starting in Mcommunication leading up to that point was very confuI began paying Fed Loan Servicing right away, paying due. Since then, I have been faithful to Fed Loan Servpaying AFBC $99/mth because when I called and askthat there is recurring paperwork that needs to be manin the Loan Forgiveness Program. I have not logged in AFBC offers. I don't need, or want, those services. Eagoing to pay AFBC monthly and then AFBC would pay Forgiveness Program was set up. I am about to cancefinally in Sept 2018, after investigating my account witclosely. So, during my delinquency, the loan accrued idip (likely), and it turns out I'm contracted to pay Fed L120. I do feel I was led to believe that AFBC was takinmonthly payments. It was not until I received a phone 

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 504 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

2014 99516944 09/02/2018 Ameritech financial

I received information about this company being able Loan Forgiveness program via internet ads. I researchinformation I found seemed credible. I contacted them the letter. In checking my loan status, I found that the loans but consolidate part of them and put me into fornot behind in my payments because of the forebearaninterest and my forgiveness program is delayed. I wouand see any monies repaid to me since they did not fucontract.

2015 99517199 09/02/2018 AmeriTech Financial 

I want to start off by saying I never initiated contact witphone, or webpage. I called my Loan servicer, Navienpayments; I was unsure of how to make a repayment was an option to leave your name and number and yoprovider would call you back. Mind you, this was NAVon hold with. About an hour later, AmeriTech called mNavient and was sent information that i needed help rwere just a third party or something. Never once durinthe money i would be paying monthly would be going tled me to believe they were giving me an extremely lostudent loan. The rep even had me get a pen and papthe money i would be saving by partnering with them. my payments made to them would go towards my loafirst payment made: the 88$ was debited from my accfrom my student loan balance so i immediately freakeNavient, and told them what was going on. My navient youve been scammed. We do not work with any secocall uoir bank.” So needless to say, I had to close my of my bills to a new account and wait to get my money back. This scam ended up costing me over $140 dollaoverdraft fees my bank charged. They have repeatedlvoicemails saying i havent made a payment on my stuwith this company; they are scammers who have yountheir target.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 505 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

2016 99517309 09/02/2018 American Financial Benefits Center 

I had received a letter in the mail a few years back froFinancial Benefits Center about a new way to repay ain touch with this company using the phone number pabout setting this process up, he got my email addresthat I signed and assured me that during the first 12 mamount towards my student loans i.e. Great Lakes, tha little in price so that I would be paying around $100 emade me believe that after a few years of being affliatstudent loans would be paid off. I spoke to the compame that everything would be taken care of. Great lakeof giving this business my money that nothing had chaloans and that I was being scammed. I called them anthreatened the better business bureau on them and thfault. I got scammed out of $3,000 of hard earned moaquiring just to be informed that it was pretty much all 

2017 99517342 09/02/2018 American Financial Benefits Center

Was told my student loans would be payed off in 10 ypaid $149 for 12 months then I'd be paying $99/month being a teacher it initially attracted me with the wordinProgram. I joined July 24, 2015 and have been paying money going? I'm also obligated to pay Great Lakes studnet loan(s). Help. Please.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 506 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

2018 99525693 09/03/2018 Ameritech Financial 

I received several letters in the mail from this organizasolution to paying off my student loans. One day, I finawere legit. They answered all my questions and they sdoing so I trusted them. Had to fill out a lot of forms, gincluding my bank account information, and they told mpayment of $120 right then and then $82 every month then would have to pay $68 for the following two years remaining time. They told me that this money was goipayments and that after 120 consecutive payments, mbelieved that the money I was paying Ameritech was gin no way thought I was simply paying for their servicemy actual student loans. I feel like I’ve been lied to, I don’t have a large income and taking $82 a month out adds up. I was concerned that my loans were in troubwas going towards my loans and I was angry that I wanone of it was going towards my loans as I thought it wbelieved them and they stole my money. I appreciate exposing their scam because I would’ve continued to loans were being paid off. It was a lot of work having tand open a new bank account. I went through a lot of with the results of this fraudulence and I am in no way 

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 507 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

2019 99533437 09/03/2018 American Financial Benefits Center.

When I was contacted by resprensative of AFBC I wapayments down from, sincce I owed over $3500.00 docould help me completely pay off my government studit is now. At first I refused because the intinal paymenrecieved a call back and they said it was a one time fetwo installments, this would cover their fee and handlito pay them $99.00 dollars a monthy based on my finaaccording to my understanding be collected and payid based on their nogations of reduced payment and derepayment. Since January 2016 there has been recurout of my account paid to AFBC. Each year 2017 AFBfinancial status per AFBC see if my payments are to gcatagory when I no longer need to pay because I have forgiveness/ debt write off. They wanted to increase thalready in hardship because of my husband failing hesame. But nothing has been put towardmy studentloathat I was in default of my payments. When I contacteNelNet mean my account was in default, because I ththeir reply:Hello,This is an automated message from ACenter. Our Customer Service team has resolved youfor your records.Thank you,AFBC Customer Service8and signed for a Income deferment NelNet :Dear income-driven repayment plan. On your application, yto begin making payments on your loans until your cuends. However, you have qualified for a $0 regular moloans for 12 months. Though no payment is due durinstill count as qualifying payments toward loan forgiven

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 508 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

I received multiple letters in the mail from Ameritech Fwould reduce student loan debt, and the monthly paymloan debt is high and at the time I could barely afford tcalled the number on the letter and talked to a represeSchlink. I wanted to learn more about the program. He Financial would significantly decrease my TOTAL loan by essentially buying out the loan, and then I would theFinancial a monthly fee of $99 until I paid them back. 

2020 99533482 09/03/2018 Ameritech Financial based off what I currently owed in student loans, they 

$7,000 in interest I would be paying over time if I contcontinued to explain that my monthly payment would gNaviant) down to $99 a month (Ameritech), and that instudent loans to Naviant, that it would be brought dowThis all sounded extremely promising at the time, and work with Ameritech because I trusted them. I have trunderstand what my remaining balance is, and they nIt is very suspicious, and I am very concerned I am paand not resolving any student loan debt.

I was contacted by phone about my student loan. It wa

2021 99533491 09/03/2018 AFBC program which I was told was a government program

a year. It was automatically deducted from my checkinwas being applied to my debt. I found out later when mthat all the money I paid AFBC none of it went to my s

When i initially signed up, I was told that Ameritech woand would have my student loan paid off in 10 years a

2022 99533573 09/04/2018 Ameritech Financial forgiveness. iI submitted all documents to them via pd

monthly. I received loan forbearance through Navient was being made on behalf of Ameritech. I initially paid payment went down to 99.00

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 509 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

Ameritech promised to minimize my payments and reguided through the steps of filling out the forms and nrepresentative named Richard Tapia via email and ovpersonal information. The payments were automaticafirst I didnt know who it was, the emails came from RApayment was in process, which Ameritech never mensetting up their services, and also I had never given thaccount numbers. This was very strange because I di

2023 99533797 09/04/2018 Ameritech Financial new bank information without me giving it to them. I ca

number after seeing the email again stating they were automatically out of my account. The representative oexplain to me what the RAM was. She stated it was a the student loans. I tried to find out if any of this monetoward my student loans and she said yes, it just has have been making the minimun payment of $108.00 phoping to minimize my student loan debt. I received thvery upset that I have had money taken out of my accit is not helping me with my debt, nor doing anything to to receive a refund for all of the money they have esse

Consumer rcv'd a letter about FTC v. American Finanhas been paying American Financial Benefits Center e

2024 99533924 09/04/2018 American Financial Benefits Center student loans, but Ameritech has not been fulfilling the 

discovered that the company has been falsifying her independents when she only has one, etc. They also haher loan servicer since 2016. Consumer agreed to a c$199/mo for the first 9 months, $99/mo for the remainConsumer received a letter from FTC regarding a law

2025 99533955 09/04/2018 American Finance Benefits Center / Ameritech Finance Benefits Center / Ameritech. A coworker told 

him with his student loans. He called them up and was and proof of employment. He pays $49.70 a month.

The consumer hired American Financial Benefits Cen

2026 99534193 09/04/2018 American Financial Benefits Center The consumer has been paying them monthly fees an

to his loan. UPDATE 9/4/18: Consumer called back to to issue him a refund. 

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 510 of 511
# Reference Number Complaint Date Company Name Complaint Info Comme

Consumer has been paying Ameritech Financial a mo

2027 99538665 09/04/2018 Ameritech Financial to cover their student loan consolidation services. So f

which has not gone towards her student loan debt. ShFTC regarding action being taken against Ameritech.

I received a letter from Ameritech Financial by mail lasOctober believing that this company would legitimately debt. I gave them access to my student loan account initial fee. The agreement was to have a standard fee 

2028 99539285 09/04/2018 Ameritech Fianacial month to pay for their services which were to help me 

student loan. I'm am very displeased that none of my payments actually went to what we agreed upon. One still possibly in debt because of fraudulent activities hafinancially damaged. My one question today is what do 

2029 99539466 09/04/2018 Ameritech Consumer is calling saying she had recieved a letter f

Consumer says she wants to file a complaint with them

Caller is reporting on behalf of his sister in law. ConsuFinancial a monthly fee of $82 for the last two years to 

2030 99545364 09/04/2018 Ameritech Financial consolidation services. So far she has paid them $180

her student loan debt. She just received a letter from ttaken against Ameritech. She had contacted Ameritecrefused to issue.

Ortiz A

Case 4:18-cv-00806-SBA Document 165-1 Filed 09/07/18 Page 511 of 511