Consumer complaint received 2015-09-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: National Budget Planners of South Florida, Inc (MI)

I believe I am a victim of consumer fraud. I wish to file a complaint against XXXX and National Budget Planners of South Florida XXXX Inc. XXXX National Budget Planners. I contacted XXXX to consolidate my loans on XXXX XXXX. I then proceeded to fill out the necessary paperwork on the XXXX website to start the process of Income Based Repayment. Once I had turned in all necessary paperwork on XXXX XXXX, I was immediately contacted by a company named " XXXX XXXX XXXX '' ( which I later learned were doing business as National Budget Planner. ) The representative proceeded to tell me they were affiliated with my federal student loans and they iterated to me details of each loan I was paying on, what percentage rates each loan was at, and asked me what income I was currently making. They knew my name, birthdate and address. Then went on to tell me I would qualify for XXXX Forgiveness and consolidation if I paid XXXX installments of {$99.00} for a " sign-up fee '' and then only pay a $ XXXX monthly servicing fee after that. I thought this phone call was related to the recent application that I sent to the federal student loan XXXX on the XXXX website. I signed up with the company XX/XX/XXXX by signing a contract that was sent to me electronically. From that point my XXXX installment fees were taken out and the company has been taking a servicing fee out of my account for over a year. Dates the payments were withdrawn:XX/XX/XXXX - {$99.00}, XX/XX/XXXX - {$99.00}, XX/XX/XXXX - {$99.00}, XX/XX/XXXX - {$99.00}, XX/XX/XXXX - {$39.00}, XX/XX/XXXX - {$39.00}, XX/XX/XXXX - {$39.00}, XX/XX/XXXX - {$39.00}, XX/XX/XXXX - {$39.00}, XX/XX/XXXX {$39.00}, XX/XX/XXXX - {$39.00}, XX/XX/XXXX - {$39.00}, XX/XX/XXXX - {$39.00}, XX/XX/XXXX {$39.00}, XX/XX/XXXX - $ XXXX XX/XX/XXXX I decided to start doing some more research on National Budget Planners since I had n't heard from them in an entire year. When typed into XXXX search, this is the website that pops up http : //www.nationalbudget.org/. I then proceeded to call the number under the " Contact Us '' tab. It was very troubling to me that the phone number connected me a person that had no idea who Nation Budget Planners were, and who has received multiple calls asking for National Budget Planners. Alarmed. I then called my XXXX and XXXX servicer ( who services all my federal loans ) and asked if they had received any payments from this company. They said there had been no payments made towards my federal loans ever and that my loans were already consolidated through the student government website effective XX/XX/XXXX. I then contacted XXXX XXXX XXXX on XX/XX/XXXX asking for a statement of the payments that were being made to my student loans. The worker said I would receive a statement within XXXX hours which would be sent to my email. I never received any statements and still have n't to this day. 
I believe I have been a victim of consumer fraud because 1 ) The initial sales presentation was deceiving and manipulative ; 2 ) I understood Student Loan Servicing a/k/a/ National Budget Planners would make payments toward my loans with the fees and monthly payments 3 ) I have not received any genuine service or benefit for the nearly {$900.00} I paid them to date. After a thorough review of the contract, I am not even sure if I am contracting with XXXX XXXX XXXX or National Budget Planners and the contract does not even indicate what service they are providing for the significant amount of money I have paid them. I 've recently ended my contract with National Budget Planners XX/XX/XXXX. Although they indicate they are accredited XXXX, when I looked them up on the XXXX website XXXX, they appear as unaccredited. 
National Budget Planners of Florida is a XXXX organization. Their EIN is : XXXX