Guidance Alum

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Pamela – Aug 28, 2020

Victim Location 86426

Type of a scam Phishing

8/18/2020 was my initial complaint. Today 8/28 I get an email telling me to login to my student loan account and change the password. I contacted the federal student loan account and verified if anyone was trying to access my account. I was notified that at this time no outside access had been requested. We took their advice and moved the account to a new secure email.

Andres – Aug 25, 2020

Victim Location 21122

Type of a scam Worthless Problem-solving Service Scam

Here are other emails that I received information from: [email protected] and [email protected] and [email protected]

When I tried to reply back to [email protected] to cancel the email bounced back. When I called the girl said she would have someone call me back but that never happened either.

They made it sound like they were helping me get my student loan forgiven and being young I thought it was on the up & up at first. They had all of my information including my s.s.#, student loan information, etc.

When I googled the phone number I saw people saying it was a scam. I am not sure how to get this cancelled without it effecting my credit so any help would be appreciated. I have cancelled my bank account, reported to FTC & here. Please let me know if there is anything else I need to do. The agreement is 39 pages long so too big to attach.

William – Aug 19, 2020

Victim Location 86426

Type of a scam Credit Repair/Debt Relief

The initial phone call was missed, but the person calling left a message with a return number. It was decided to return the call the following day. Several attempts were made and finally contact was made with Lindsay. She told us about a program for Student Loan Forgiveness. She referred us to the William D Ford Act to google regarding the program. She inquired as to what federal program had the student loan. She asked for login and password to look up y to o see what the current debt was on the loan. We told her that we did not have the information available. She advised she could look it up by using the social security number for who owned the student loan. She sounded legit so we gave it to her. She looked it up (while my wife was looking it up on the computer) and she gave a dollar figure within $5.00 of our current loan balance. She told us that they could help with a forgiveness loan. The loan would be $250.00 for the first four months, then twelve additional reduced payments of $59.00 each. At the end of the16 months the student loan would be paid. If we agreed to the terms, they would work directly with the federal loan program for us. We decided to go for it and she texted the documents that needed to be initialed. It was a 40 page document containing information: Application Preparation and Service agreement, Exhibit for service fees, ACH authorization form, draft of scheduled payments, credit authorization form, LTD power of attorney, National Student Loan Data System Access Permission, a Sixteen page Federal Direct Consolidation Loan Application and Promissory Note Willian D Ford Federal Direct Loan Program, a ten page document Income Driven Repayment (IDR) Plan Request sighting the Federal Family Education Loan (FFEL) program and an E-Signature Completion Certificate (sighting the sender IP address:192 107 244 218). These forms were partly completed based on info provided at the call. We initialed the documents. She advised that Guidance Alum’s phone number 888-648-5790 processing department would call or text for further information. She advised that the ACH payment would be noted on the daily bank activity as “Assured Credit”. Be prepared to show proof of income and tax return. All of which sounds very legit. Two hours after the phone call we got a text message advising we did not qualify. Call the number provided above for info. We called and got to two agents who could not provide any information. They did tell us the initial agent would call back. In a panic we thought we got scammed and contacted our bank and Nelnet Student Loans. Nelnet did not know of any Federal Forgiveness Programs at this time. Our agent also filed a scam report. Our bank account of 42 years is on hold.

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