Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Delphi Group Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I was scammed by XXXX XXXX XXXX. The organization claims to submit student loan applications on their behalf to lower student loan costs. However, that was not the case. I agreed to submit all the necessary documents to XXXX XXXX ( My Educational Advisor Rep ) because she told me her organization works closely with my Aid Vantage provider to lower student debts. While speaking to XXXX, she asked for specific documents such as my XXXX Tax documents, Paystubs, my Student Data information, My Student Forgiveness Loan Application, XXXX XXXX XXXX, and my XXXX XXXX XXXX. After speaking with XXXX, I sent all my documents to XXXX. I was informed that it could take up to 3 months for a response. After waiting for 3 months, I contacted XXXX for a follow-up, but XXXX XXXX XXXX XXXX telephone stating, XXXX XXXX no longer works for the organization. Once XXXX informed me of the change, he asked for the same exact documents XXXX had previously asked for in XX/XX/XXXX. Although I was hesitant, I re-sent all my documents again to XXXX. After I sent my documents to XXXX, I never heard from him again, except for receiving emails confirming that they had deducted payment in the amount of {$190.00} from my checking account. I'm not sure what that fee was for, maybe because they assisted with submitting my application to XXXX XXXX?? However, the amount of {$190.00} was deducted from my account for months .... please see attachments, and later {$39.00} most recently. When I missed a payment, I received an email instructing me to contact the organization via telephone or by email. In the past I tried contacting XXXX 4 months ago, but the contact number that he provided to me was disconnected ( XXXX ) XXXX. I tried sending several emails to XXXX, but I never received a response. I tried googling for a website, but there is NO website that exist under My XXXX Advisors. I tried researching the address provided, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NV, XXXX, but their office doesn't exist. The only communication I have is my bank account information showing they automatically deducted funds from my checking account. I spoke with XXXX XXXX on two occasions, most recently XX/XX/2023 and they said, they have never heard of My Educational Advisors, and they haven't received anything from the organization on my behalf. At this point, I am now terrified because they have information such as my XXXX Tax Forms, Paystubs, Student Data, and my Checking Account Information. I am afraid if I stop making payment, My Education Advisors could possibly report me to the Credit Bureau affecting my credit, even though they don't appear to be legitimate!! What should I do????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief