Consumer complaint received 2022-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: BCO Consulting Services
State: SC

Complaint narrative:
****IMPORTANT*** YOU MUST LOOK INTO THIS COMPANY ASAP. CHECK THEIR XXXX XXXX XXXX RATING TOO AND YOU WILL SEE THAT THEY HAVE AN EXTREMELY SKETCHY AND LOW SCORE- XXXX ***THERE ARE MULTIPLE COMPLAINTS OF FRAUD AND ILLEGAL ACTIVITY AGAINST THEM.. I WILL SHARE ALL OF THE INFORMATION I CAN*** ***THEY HAVE ALREADY SCAMMED THOUSANDS OF DOLLARS OUT OF PEOPLE TRYING TO PAY OF THEIR IMMENSE STUDENT LOAN DEBT... SHUT. THEM. DOWN. **** ***THEY. WILL. ONLY. GET. WORSE .... WORST OF ALL, I DON'T KNOW HOW THEY GOT MY NUMBER OR INFORMATION TO CONTACT ME ABOUT MY STUDENT LOANS... COULD OF BEEN MY UNIVERSITY THAT GAVE THEM MY INFORMATION*** OR THEY USED PRIVATE INVESTIGATING TO FIND OUT THAT I AM A XXXX  WITH LOAN DEBT SPOKE TO A REPRESENTATIVE WHO SAID THEY ARE WORKING WITH 600+ CUSTOMERS THAT THEY MANIPULATED BECAUSE THEY DIDN'T KNOW THE SERVICES THEY PROVIDE CAN BE ACCESSED FOR FREEEE!!!! 

This is what happened, I even have a copy of the voicemail still on my phone if you would like me to send it further into the investigation. 

I will type the VOICEMAIL they left on my phone here : On XX/XX/2021 @ XXXXXXXX XXXX, I received a voicemail from the number XXXX ( XXXX ) XXXX from XXXX, OH The person who left the voicemail was a women who sounded of XXXX XXXXXXXX ethnicity, by the name of XXXX XXXX XXXX She spoke very calmly and respectively, making it very easy to assume she was real even though it was a pre-recorded call. She gave an identification number @ the beginning of the message- **THIS IS THE MESSAGE SHE LEFT*** " XXXX hi this is XXXX XXXX if you can give me a call back when you receive this at XXXX and I'm calling because I'm not sure if you received the notice that went out recently regarding your student loans but either way I don't want your prequalified status to change especially the qualifications for FORGIVENESS or LOAN DISCHARGE SO PLEASE GIVE ME A CALL WHEN YOU HAVE A FEW MINUTES SO I CAN GO OVER THE DETAILS WITH YOU I HOPE TO HEAR FROM YOU SOON THANK YOU AND HAVE A GREAT DAY '' - the call lasted for 34 seconds I called this number back and XXXX XXXX DID NOT PICK UP THE PHONE who picked up the phone was a man by the name of XXXX XXXX, sounding of XXXX ethnicity. HE immediately went straight to asking for my FSA STUDENT ID NUMBER, we logged into my account where he had access to ALL OF MY LOAN INFORMATION, he then proceeded to tell me that if I PAID {$1000.00} MY LOANS WOULD BE DISCHARGED AND I BELIEVED THEY WOULD BE FORGIVEN, he then proceeded to flirt with me, compliment me, therefore distracting ME, THUS TAKING ADVANTAGE OF MY VERY WEAK MENTAL STATE, DUE TO THE OVERWHELMING STRESS OF TRYING TO PAY BACK MY IMMENSE LOAN AMMOUNT. HE CONVINCED ME TO BELIEVE THAT IF PAYED {$1000.00} THAT MY LOANS WOULD BE FORGIVEN BECAUSE THAT WAS ALL THE GOVERNMENT NEEDED ME TO PAY, THAT {$1000.00} WAS A SUMMARY OF MY LOANS AND THAT I WOULD NOT HAVE TO DEAL WITH MY STUDENT LOAN DEBT ANYMORE .... EVEN THOUGH I WAS JUST PAYING THEM TO APPLY FOR THE PSLF SERVICES, AND LOAN CONSOLIDATION SERVICES THAT ARE SOOO CLEARLY FREE TO ME XXXX XXXX AND XXXX XXXX WORK FOR THIS COMANY THAT NEEDS TO BE INVESTIGATED : *******BCO CONSULTING SERVICES***** THIS IS THERE WEBSITE HERE : https : //bcoconsultingservices.com/ THIS IS THERE PHONE HERE : ( XXXX ) XXXX THIS IS THERE EMAIL HERE : XXXX THIS IS WHERE THEY ARE LOCATED : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX ***AND THIS IS THE DISCLAIMER @ THE BOTTOM OF THEIR PAGE BECAUSE THEY ILLEGALLY ACCESSED NOT ONLY MY INFORMATION, BUT FROM THOUSANDS OF PEOPLE, THEY HAVE STOLEN THOUSANDS FROM LOAN BORROWERS... AND THEY CAN BE TAKEN DOWN BECAUSE OF THIS ILLEGAL VOICEMAIL XXXX XXXX LEFT ON MY PHONE XXXX XXXX " I don't want your prequalified status to change especially the qualifications for FORGIVENESS or LOAN DISCHARGE '' ... ONLY THE FSA, ONLY THE GOVERNMENT CAN XXXX LOAN DISCHARGE... 

this is their terrible, DISGUSTING, EVIL... disclaimer that they purposely put @ the bottom of their page because they know frustrated and manipulated clients come look to the bottom and then see this, only after they have been scammed... 


" BCO Consulting Services ( BCO ) offer private fee based application assistance. Our primary function is to assist consumers in applying for various government offered programs and to provide counsel relating to such programs. 

THEY HAVE THIS STATED @ THE BOTTOM OF THEIR SITE ******This site is not affiliated with or endorsed by the U.S. Department of Education ( USDOE ). ******* ( THEREFORE THEY ILLEGALLY LIED AND SCAMMED CONSUMERS BY LYING AND SAYING THEY CONTROL THE ABILITY TO DISCHARGE MY LOANS... 

" I don't want your prequalified status to change especially the qualifications for FORGIVENESS or LOAN DISCHARGE '' - evidence XXXX XXXX FROM BCO LEFT FOR ME ON MY VOICEMAIL ) " Consumers can apply for loan consolidation or other repayment assistance without paid assistance on their own. BCO is not a loan servicer and does not provide debt relief services. Our logo and service marks are the property of BCO. All other trademarks used on this site are the property of their respective owners. BCO provides document preparation services '' ***BOTTOM LINE IS THAT THEY LINED, ILLEGALLY ACCESSED ME TO SHARE VITAL AND PRIVATE INFORMATION WITH THEM, AND USED FALSE AND ILLEGAL LIES AS SAID BY XXXX XXXX XXXX " I don't want your prequalified status to change especially the qualifications for FORGIVENESS or LOAN DISCHARGE '' **THEY NEED TO BE SUED, SHUT DOWN AND THE HUNDREDS OF THOUSANDS OF DOLLARS THEY HAVE STOLEN NEEDS TO BE TAKEN BACK** STOP. THEM. 


STOP STOP STOP STOP STOP STOP STOP STOP THEMMMMMMMMMMMMMMM CHECK OUT THIS LINK FOR THEM ON XXXX. ORG XXXX  : XXXX YOU WILL FIND THAT HUNDREDS OF PEOPLE HAVE BEEN SCAMMED AND THOUSANDS OF DOLLARS HAVE BEEN ILLEGALLY STOLEN FROM THEM BY BCO CONSULTING SERVICES ILLEGALLY ACCESSING THOUSANDS OF LOAN BORROWERS PERSONAL LOAN INFORMATION SHUT. THEM. DOWN. BEFORE. THEY. GET. WORSE. AND. EXPAND!!!!!! 

THEY ALREADY HAVE 2 LOCATIONS!!!!!

Company response to consumer: Closed with non-monetary relief