Irvine Web Works, Inc. ratings, reviews and complaints - Debt Relief Services

Complaints and Resolutions

Complaint Experience

N/A

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Complainants generally allege the company misrepresents their fees and fails to fulfill services. Most complaints are in regards to the $39 maintenance fee monthly for the duration of the loan. Complainants allege they are unaware that the fee would be charged monthly in some cases representatives informed them the fee would be temporary (for the first two months) or that the maintenance services could be cancelled at any time. Other allegations include harassing phone calls inability to cancel maintenance services difficulty obtaining refunds and cancelling services.~~The company responds to some complaints by denying allegations of misrepresentation claiming all fees and services are clearly explained to clients before they agree to services. In some cases the company explains the services provided to clients and how they have saved them money.

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Complaint Closing Statistics

0 complaints against Irvine Web Works, Inc. closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
0	Unanswered

Other Information

Company Info

Student Loan Processing is a student loan debt relief company.

Primary Contact:	James Krause (President)
Business Started:	6/2/2002
Social:

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Licensing

We know of no licensing or registration requirement for companies engaged in this company's stated type of business.

Government Actions

BCA has no information regarding government actions at this time.

Comments and Analysis

Business Consumer Alliance urges caution before agreeing to or paying for student loan consolidation services. Look out for the following red flags:

Pressure to pay high up-front fees. Avoid companies that require payment before they actually do anything. Never give your credit card or banking information to anyone unless you have thoroughly researched them. Be especially cautious when companies ask for this sensitive information online or over the phone before they have even explained how they will help you the fees involved as well as the terms of the agreement. Keep in mind that many times taking payment for debt relief services before providing help is illegal. Also beware of companies that charge high enrollment or subscription fees. Some companies even try to charge monthly maintenance fees a service that is paid for through the monthly interest on your loans.

Promises of immediate loan forgiveness or debt cancellation. Stay away from companies that claim to be able to negotiate any special deals under federal student loan programs. It is untrue. Payment levels under income driven payment plans are set by federal law and for most borrowers loan forgiveness is only available through programs that require many years of qualifying payments.

Asking for your Federal Student Aid PIN. Your PIN is the equivalent of your signature on any documents related to your student loan. If you give that number away you are giving a company the power to perform actions on your student loan on your behalf. Honest companies will work with you to come up with a plan and will never use your PIN to access your student loan information.

Those seeking the assistance of a student loan debt relief company should be wary if a company asks you to sign a “third party authorization” or a “power of attorney.” These are written agreements giving them legal permission to talk directly to your student loan servicer and make decisions on your behalf. In some cases they may even step in and ask you to pay them directly promising to pay your servicer each month when your bill comes due.

If you are having trouble with student loan debt you can apply for loan consolidation through Studentloans.gov. The application is free and there are no extra fees. On that site you’ll find information on loan consolidation requirements for loan forgiveness repayment estimators to help you pick the right repayment plan to fit your income loan servicer contacts and other important information to help you manage your loan repayment.

Other Considerations

Business Consumer Alliance believes this company may be affiliated with Student Loan Relief Group. A separate BCA report on Student Loan Relief Group is available.

This company is the subject of a consumer alert blog, "Kim's Catch: Student Loan Processing.US"