Xtreme Products LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/04/2015	No	Other financial service Debt settlement	Fraud or scam	CA 93103	Web
The student loan consolidation company USA Student Loans promised me that they " will successfully reduce your monthly payment to {$0.00} for the life of the loan. Upon expiration of which your remaining loan debt would be forgiven. '' They demanded three payments to total {$390.00}, which included one payment upfront to start the process. I made the first payment and then I found out from my loan provider EdFinancial that I do n't have to use a third party to appy to decrease my loans as this service is free, so I tried to cancel USA Student Loans from doing anything further. They started the process anyway and transferred my loan to another provider. I never signed anything, nor did they give me any formal documentation about what they were going to do. They accessed my account details without telling me. I did n't even tell me where my loan ended up. They kept promising that they would send me receipts and information, as well as website logins and they NEVER sent anything. I tried to cancel their service and they threatened to take me to collections, which made me scared and feared for my personal security. So I made the next payment with my credit card only after speaking to them and they promised again to remove my debt. They began accessing my student loans, changing my login details and security questions for my student loan account. Yet they never once tried to contact me by phone or mail to explain what they were doing. I only found out because I went searching for all the info and called the student loan providers to find out what was going on. Now my loan is simply with another provider XXXX, yet USA Student Loans did nothing to reduce my payments as promised. This company is a total lie and a scam. They have charged my credit card for a total of {$390.00}. They changed my FSAID login and I was locked out of it until I proved my identity. This has taken countless hours from XXXX 2015 until present, dealing with this on the phone to student loan providers and the FSA. I had to apply for forbearance to XXXX on my own, in order to stop my student loan payments while I was dealing with this fraudulent company. The following items were never addressed by USA Student Loans:1 ) The status of my student loan : ie. when the payment was going to be made, where it was going to be transferred to, or anything in writing that explained this process. 2 ) The name of my student loan provider after they had transferred it. I had to find out myself by ringing XXXX to see who had paid off my loan and where my loan was currently being held. 3 ) My FSAID. When I contacted FSA, it appeared that USA Student Loan had set up my FSAID for me without telling me. They used my personal data to set this up and my account was locked when I reported this. I had to go through a lengthy process to reinstate my FSAID and prove my identity after it had been used without my knowledge by USA Student Loans. On XX/XX/XXXX I had my FSAID reinstated. My FSAID Case is # XXXX, for your reference. 4 ) The Login that they promised was never sent by email or mail. After they had taken my final payment, XXXX XXXX wrote me on XXXX XXXX saying " We have also set online access to your account for your convenience and the temporary login credentials will be forwarded to you under cover of separate email. '' This Login was never sent to me after I repeatedly asked XXXX for it on XX/XX/XXXX and XX/XX/XXXX. 5 ) The promise to eliminate my student loan payments to {$0.00} for the life of the loan made by XXXX XXXX on XX/XX/XXXX was misleading and deceptive. This company charged me {$390.00} for a service that they did not complete. My major concerns with this XXXX ) Breach of privacy and misuse of personal XXXX ) Threats, bullying and unethical business XXXX ) Taking advantage of people who are in debt. XXXX Obama 's XXXX XXXX XXXX by charging a fee for a free service.
09/20/2016	No	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	MI 48239	Web
I was told I could consolidate my student loans from XXXX to XXXX under Public Service Loan Forgiveness plan of 10 years maximum repayment, and I would be credited for payments that I previously made due to new program that began in XXXX XXXX. ( this is 3 years of payments ) The third party company is USA Student Loan, XXXX XXXX XXXX XXXX XXXX, XXXX FL Contact XXXX XXXX phone XXXX and XXXX XXXX phone XXXX. I paid a upfront fee of {$690.00} on XXXX/XXXX/XXXX, loan was consolidated but found out this service is free through XXXX phone XXXX, now my student loan has lost the benefits that I would have otherwise been able to utilized if I remained with XXXX, total loan consolidation is {$28000.00} of XXXX payments opposed to the XXXX payments XXXX XXXX told me during the initial phone conversation. I have left messages and sent emails and no one has returned my phone call. In addition I had to change usernames and passwords that were created on my behalf, I feel that my identity has been compromised and I have no resolution. In regards to the student loans I need to be assured my loan is the right plan and there will be not future negative impact to my credit and liens and or taking of tax returns due to defaults.
05/01/2016	No	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	FL 33065	Web
I would like to ask you what are the options or steps that I could do to get results from the a company that supposedly reduced or eliminated the interest fees and charges of my student loan. I enrolled in their program in good faith XX/XX/2015, the asking fee were automatically debited from my account and yet they did not deliver the results they promised. My loan was just being deferred and interest charges are soaring. I have not received any payment booklet as well. XXXX representatives handled my account yet no results was granted. Now it is being handled by the director but all she has given me is a round around. The person 's name and company name is : XXXX XXXX XXXX Director of Operations Emerg : XXXX XXXX XXXX USA STUDENT LOANS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Ph : XXXX XXXX XXXX
03/28/2016	No	Other financial service Debt settlement	Fraud or scam	GA 31707	Web
On XXXX XXXX, 2016, USA Student Loan.org contact to me, stating that my name was selected from a low income database to see if I qualified for student loan reduction or to get it totally paid off. The Rep was named XXXX ( no last name ). What really convinced me that this could be legit it because, he even mentioned that he was in the same area that I was from and called out some of the areas that I was familiar with. After retrieving my information from the XXXX website and final consulting, he said I was approved for 100 % of my settlement. But, I will have to pay {$590.00} in full or in payments for the next 5 months. I have tried to contact them to check on the status of the process and no one answers the phone. I am convinced that this was a scam.
04/10/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	AL 361XX	Web
I was told by the company XXXX XXXX XXXX that I could pay a certain amount for 6 months and after that my student loan payment would become XXXX dollars and be paid by them for 120 consecutive months. They also said that I qualified for the debt to income ratio as well. I paid them for 6 consecutive months and my student loans reported that XXXX dollar payments and current. Just this month I noticed that the student loan debt went up on my credit report and I decided to call to see what was going on and I learned that this was a fraud company. The payments I made were emailed to me by receipt. I would like to get a refund of the money that I paid to them because the services were not rendered.
03/18/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30016	Web
I paid my student loan off in XXXX, with XXXX college. The credit report never had XXXX college on it until I stated what college I attend now all of a sudden I owe them to. XXXX college is a closed school due to fraudulent loan accounts. Its other schools on my report that I have no idea of and never attended, also theres a energy bill that is part of the identity theft case in XXXX I have tried to explain it but no one listens. Its address that I never lived at on my report, its a last name that is not mines attached to my first name. I have tried for years to despite the errors but they are forcing me to accept them. Please stop XXXX together we have had enough
08/11/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	FL 33069	Web
I tired goin to this school for 30 days and witness all types of fraudulent and XXXX activities going on i.e getting anyone off the street basers bums homeless people just to sign them up and get the funds from the government .... I then moved out of state which was the addition reason I left the school years later I received documentation stating that these people have received over 3,000 + dollars in student loans that I never received or cashed a check for or anyting I've called they've given me XXXX stories for weeks at a time and they're trying to tell me now that is Under New Management so they don't have anything to do with what was going on when I was there
07/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
05/26/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	CA 95492	Web
I was ill for a couple years and had to leave school and was unable to work. I have been getting my loans deferred and I was told I had submitted all the proper paperwork and they were deferred and not to worry. Now they are all of a sudden on my credit and I ca n't get a loan for a car so I can work, I ca n't purchase a home. These people lying to me wrecked my life.They took thousands from my refund this year and nobody told me anything. If I knew that they were gon na XXXX me, I would have tried to figure something else out, but I was told they were DEFERRED AND I WAS OK?!?!?!?!?
12/17/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07206	Web
Requesting for the block/removal of ( 2 ) fraudulent items from my credit report. Here are the details : Date of Discovery : XX/XX/2021 Account # 1 Amount ( {$20000.00} ) Account # 2 Amount ( {$3400.00} ) Actions Taken By Me : - Filed Federal Trade Commission ( FTC ) Identity Theft Report - Filed Local Municipality Police Report - Contacted both Credit Reporting Agencies in which the items were reported ( XXXX XXXX ) - Worked with XXXX to successfully remove items in XX/XX/2021 - Put in Dispute with XXXX on XX/XX/2021 2021
04/22/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 92865	Web
XX/XX/2018 for {$820.00} I have requested that this account be investigated multiple times. For the last 3 years I have sent multiple disputes and request for the validation of this account. I have never have received investigation response for neither of the 3 major credit bureaus. I have sent in multiple request trough certified letters and I have yet to receive anything back from this creditor.
03/14/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07304	Web

03/02/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23225	Web

11/02/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30131	Web

07/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77505	Web

04/14/2021	No	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	MO 63104	Phone

03/19/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19142	Web

02/18/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 77578	Web

02/16/2021	No	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NV 89104	Phone

01/26/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44105	Web

01/20/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30360	Web

10/08/2019	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam		Phone

09/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91792	Phone

07/10/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan		Phone

08/20/2018	No	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	MI 48823	Referral

02/01/2018	No	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam		Referral

06/10/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	WI 54494	Web

06/07/2017	No	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	AR 72113	Referral

05/15/2017	No	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	IL 60411	Referral

01/25/2017	No	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	PA 15902	Fax

12/27/2016	No	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	CT 06515	Referral

12/12/2016	No	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	NJ 07103	Web

10/11/2016	No	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	OH 44483	Web