1file.org Scam / Ripoff Huntington Beach California

I was contacted by 1File on 3/31/2015 to see if they could lower my student loan and to see if I qualify for loan forgiveness. I was told that I would have to make two student loan payments of around $400 and that once the payments were made they could process my loan application and my payments would be $439 per month with $39 as part of the student loan payment being there fee until my loan was paid off. So my understanding was that my loan payment would be $400 to the student loan and $39 to 1File. I asked several times if that was the case and they said yes. So I sign the agreement and give them 2 payments of $399.50 as my student loan payment and they start the "process" of my loan application.

The last I heard from them was on 4/23 for credit card authorization for 4/23/2015 and 5/26/2015. After 4/23/15 I was not emailed a status until  7/28/2015 when they told me to sign in to my student loan account and make a payment. I was never notified that my account was changed or what the new loan amount was. On 9/2/2015 they sent me an email that my loan consolidation was complete, yet nothing changed. My loan payment actually went from $480 to nearly $700 month. Again 1File never sent me anything indicating the new amount. In the meantime, 1File was taking $39 per month out of my account during this "processing period".

This went on until 5/23/16 when the credit card expired and they couldn't charge my account any more. I notified them that I would not pay any more since they did not fulfill their committment to me. They immediately called me to tell me basically someone dropped the ball and they would look into it. Basically they sent me a Federal form for my organization to fill out and then I had to sent this to the Federal government to see if I qualified for loan forgiveness. This was supposed to be their job not mine. Again, I didn't hear anything from them until 7/25/2016 when I asked for a status update. By then I figured out that I did all the work getting the loan forgiveness approved and they did nothing but put my loan in default until I fixed it.