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US Financial Reports & Reviews (10)

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They call to offer an amazing loan forgiveness program, ask for SS number and access to bank account, scan you for 4 payments of 249!

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I was offered a repayment option.

For 4 months, I would pay $250 and then after pay $12 for 120 months on my student loan.

After looking through the fine details, I realized that they were not through the Department of Education at all.

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Michael Jenkins said he could file an application to eliminate my student loan debt. I gave him my email address and cell number but I did not feel comfortable giving him anymore information and he hung up the phone. I hope he isn't able to cause me any harm with just my name and number.

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Late August 2021, I received a few voicemails that went like this: "Hi, it's Chelsea with student health assistance. My phone number is 855-777-4451 and I'm just doing a follow-up call with you regarding your public student loans. I see here that you're prequalified for the student loan forgiveness program. Just keep in mind that these programs will change and the deferment forbearance program is about to expire. I don't want your qualifications to change along with that. I am here all week {states office hours and phone number}, but you can go ahead and speak with any one of the representatives..."

On August 27 I called one of the numbers back and spoke to a man who identified himself as Jacob Scheinoha. He knew exactly how much I owed on the student loans, my permanent address, the names of my mother and father, and I think he may have known my SSN, or at least part of it. He said that I qualified for a program that would eliminate the remainder of my debt if I made 5 monthly payments of $249 and 12 smaller monthly payments. I signed a form via LiveSign that included a power of attorney form. It also included my birthdate, debit card information, and SSN. I did all of this while still on the phone with "Jacob." "Jacob" also told me that I would receive an email shortly after our call asking for income verification. He instructed me to reply with a copy of my most recent tax return documents. I thanked him, hung up, and after letting it all sink in for a few minutes, I realized that something wasn't right. My partner and I did some Googling and found this: https://www.bbb.org/us/ca/laguna-hills/profile/student-loan-services/us-financia...⇄ and also this: https://www.ftc.gov/news-events/press-releases/2019/11/ftc-stops-student-loan-de...⇄ />
I received several emails from "US Financial", each escalating in their sense of urgency, asking for my income verification. I did not reply. Luckily, I'd asked "Jacob" if I could defer my first monthly payment until my next paycheck, which was about a week away, and he'd agreed. This bought me time to report my debit card stolen and alert my bank. After the due date for my first payment passed, I received an email that said this: "This is the final attempt to reach you regarding your payment which was declined. You have 24 hours to reach us before your file is automatically canceled by our data system. If you need more time to address this issue, we are more than happy to work with you as we understand that life happens. We have your best interest at heart and we would like to do our best to assist you. Please either call or email us to provide new payment information or reschedule your payment to prevent the cancellation of your file."

Then, I received a "cancellation confirmation" email that said this: "This email is to confirm that we have canceled your file effective: 09/09/2021. We are sorry to hear you won’t be continuing your services with us. Your cancellation has been processed and your payment date schedule has been voided. If you have any questions or concerns please feel free to contact us. We hope that you will keep us in mind for future services."

I also alerted my student loan service provider.

"US Financial" didn't get my money, but they have my SSN and a fake power of attorney form that I signed.

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Did anything happen after with the power of attorney letter?

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I was contacted on my personal cell phone by U.S. Financial. They introduced themselves as calling from the Department of Education pretending to be a senior loan officer. I did not realize that they were duping me while I was on the phone they attempted a login to my studentaid.gov account claiming it was validation so that I would receive a pin which they then asked me to confirm. This is how they were able to ask me some questions from my account to boost their credibility. They said the payment plan would be $249 for 5 months and then subsequently $102 for 120 months. I was asked to send recent paystubs, my credit card info and a completed application. They tried to log in to my studentaid.gov and I was notified so I went in and changed all my information and temporarily disabled my account so no one would have access. I also went ahead and contacted my actual loan servicer who had never heard of them and hadn't transitioned over to them as they claimed and that there was no such plan that existed with the actual PSLP. They luckily had not charged me yet when I realized that they were scammers and deactivated my credit card requesting a new one. I have also reported this them through identity theft mechanisms so I will be alerted if they try to use my information. who have faMake sure you check directly with the Department of Education first and current loan servicer before you provide any information. It is sad when there are people out there that do this to people trying to make ends meet who have family and they should be stopped so it doesnt happen to anyone else. I hope by making this complaint I can raise awareness about this predatory company and help protect other people struggling with student loan debt who are trying to do the right thing and find ways to pay their debts.

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- Salem, OR, USA
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First of all, I'm on the donotcall registry and it's against Oregon State law to contact people with an automated service. It's also against the law to contact a cell phone unless you've done business with them in the past 2 years. Just contacting me broke 3 laws. In the scammers own words "We help people that don't have half a brain to fill out their federal aid requests." They wanted my login and password to my federal loan account which could have been a massive liability. They allege to help with student loans. I was pre-qualified for a 90% reduction in my student loan before they had any personal information.

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- Inglewood, CA, USA
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Carl Hayes a tax preparer accepted my documents for preparation. He asked me to pay upfront for these services. He didn’t file my federal taxes. He has not responded to any of my emails, phone calls or text messages for the past 6 weeks.

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- Shelton, CT, USA
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I was contacted via phone by "*** ***", a student loan advisor, stating that he worked with US Financial, a loan document preparation company that worked alongside Fedloan Servicing and the US Department of Ed. He said that I qualified for the public service student loan forgiveness program and provided me a detailed explanation of the program and the application process. He knew the exact monetary amount of federal student loans that I have and explained that he would use my debit card to set up 3 automatic payments of $250, all of which would go toward my loan payments, and then I would pay $15/month for 10 years and that $80,000 of my loans would be forgiven. He was extremely knowledgable and convincing. I provided him my debit card information, my drivers license, my FSAID log in information, and my pay stubs. He told me to look out for a phone call from a processor that would confirm my application and then for a letter from Fedloan, all of which occurred. He then stopped responding to my emails when I started asking questions. All in all, he withdrew $498 from my checking account that did not go toward my loans and consolidated my federal student loans with a different company (without my knowledge) that resulted in a higher interest rate, higher monthly payment, and 1 years worth of loan payments that are now ineligible to be considered toward the loan forgiveness program.

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Received 2 calls this morning (11/25/2016), 1st call I did not answer. When I answered the 2nd call, someone by the name of Edward said I qualified for a free grant that I did not have to pay back. When I started questioning how they received my information, he said from my application. I have not applied for ANY loans/grants in the last year. He said this was a government grant when I questioned who he was calling with. At first would not provide name of company then finally stated "US Financial". I asked him to email me info as this seemed like a scam. Nothing received yet.

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