Current and ex college students beware, Identity theft warning!

Discussion in 'Et Cetera, Et Cetera' started by lafever, Aug 3, 2011.

  1. lafever

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    Ok, this is the deal, my wife is currently a college student, but before she could go to school we had to pay off an old student loan (from the 90's) that was in her maiden name. So, we got her parents to help pay off the old loan to get her back into school. That brings us back to the present where she's currently going to college right now, and she put in for a student loan at student loans.gov. She put in for a student loan to see about getting money to help pay for some of our bills since she's no longer working, and we need the loan to make up for her being a full time student.
    When she goes to fill out for the loan it turns out someone already received a loan in her maiden name.
    This is what the crooks did; they got a pell grant from Fed Aid and then they went and got a student loan.
    The crooks received all the money through an online university who did nothing to verify the person receiving the loan.
    Basically, the online university got paid off and was ok giving the crooks their portion of the funds.
    So someone used her maiden name and social security number and falsified all the rest of the information including a fake email address. Everything on the loan the identity thieves put was false and yet they still got the loan.
    The home street address they used doesn't even exist; the phone number had no mailbox attached to it and had a different area code. As far as the references, one of the phone numbers for a reference was to child services in another county and the other reference number doesn't even work.
    All bogus information, yet fed aid and student loans still gave the crooks the money, because the online university approved the bogus loan information.
    We called the police and filed a police report, a city police investigator told us that if the crime did not take place in our city then the crime was out of his jurisdiction. He did do one thing though; he went through the district attorney and forced the online university and a worldwide e-mail provider to send documents in reference to this case. My wife has not seen these as they were forwarded to the FBI.
    We went to the FBI, an agent from Chicago came to our town and was real cooperative and said this scam was nation wide and went deeper than we knew. He was very helpful and then just disappeared, and we were assigned a different person who says he works for the Department of Education and thinks the online university is a saint...it went from "we'll help you" to your wife is "alleging" the stolen identity, and implied that people sell their social security numbers all the time for $5oo bucks.
    So let me get this straight. If my wife is the crook why would we call the police, file a police report, go the FBI, work with the Department of Education, and give the University our address, e-mail, and phone number (after they asked for it for communication purposes, but weren't they supposed to have it already?), if we were the crooks. That would have to make us out to be the dumbest crooks on the planet. So now the same information we gave to help us is being used against us, and they want more information to further damage and cover up their (the University) guilt. They didn't come to us, we went to them! She reported the crime to law enforcement and her school before anyone even knew a crime was being committed, all because of the findings we found on studentloan.gov.
    Plus, why would my wife risk being kicked out of college (which is about to happen because she has no transcript from this school but it is on her record), ruin our credit, and pay loans to two schools, all for $500? This makes no sense! So basically they are now calling my wife a thief unless she cooperates with the very online university who's committing fraud with the Fed Aid and Student loan people.
    Also, we checked our credit report and low and behold we we're stuck with the bill.
    Fighting with credit report agencies is like pulling teeth out of a rattlesnake.
    We contacted three credit report agencies which did not have our correct address or phone number; all the information they had was fake.
    Next, to clear it up with the credit people a lawyer told us we had to contact the online university who had been sending letters to a fake address that does not even exist therefore any coorespondance would have been immediately returned to sender, which means they knew all along that the information given by the crooks was fake.
    So if the online university knew months in advance (because of how long it takes to complete the FAFSA, get a response from FED AID concerning the FAFSA, complete the student loan questionaire, and again get a response concerning the loan) that it was identity theft why did they not contact the police and report so, instead they accepted the money.
    So we gave the online university our phone # and address at their request, for them to correspond with us. The next thing we knew, the university had gone into the system and changed the information on the federal sites to our information and then the next thing we know we're getting contacted by a collection agency to collect the bogus balance amount despite saying that no one attended their school and then went on to refund the money to the crooks.
    Basically, the online university (the only school on the fraudulent loan and FAFSA) went into the FED AID and student loan system and changed her maiden name to her current name and told us the only way to straighten this mess out was for my wife to send a copy of her drivers license, utility bill, her signature, and affidavit; then basically they would have all the information they need to cover their ass.
    Since they have already used our phone number and address that we gave them willingly to help them out and it was used as information against us, we will not give any further information to the online university. This puts us in a catch-22 with the FED AID people and her school who wants us to clear it up so she can continue her studies. Basically, they have us by the nuts and there is nothing we can do safely, except, go to court, which no lawyer will take unless more people with this problem come forward, yet no one is telling us the other people that this has happened to. However, the FBI, the police, the financial aid people at my wife's school say this happens all the time, yet they will not give us information on the other victim so we can pull together on a fraud case with the online university.
    Next, the online university somehow attached the student loans to her current college through fed loans, and have said that since no one ever went to class they "refunded" the money to the person or person who stole her identity. Then they created a bogus balance and turned this over to a collection agency, who was given the original false address with my phone number.
    No local newspaper, news station, police, FBI, Department of Education, lawyer, or anyone will help us.
    They all think that the online university is a reputable one hence someone has committed the perfect crime.
    Lucky for us!
     
    #1 lafever, Aug 3, 2011
    Last edited: Aug 3, 2011
  2. DJR88

    DJR88 Member

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    As a current college student, thanks for the heads up. Fortunately, (knock on wood) no one has gotten money through my account yet and the university I go to is an established and reputable university (not some stupid online only university).
     
  3. D_LeonardoDeCrapio

    D_LeonardoDeCrapio Account Disable

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    It's been reported on of schools that go to elaborate lengths just to secure federal aid moneys...

    Here is an example --- taking "Prospective students" hostage, force them in a room without their proper paperwork (Money, ID's, Credit, and debit cards even phones) for a quote on qoute "Security Threats" and make them sign a "negotiable" deal all in an elaborate attempt to enroll them in the Online program and take money which can vary between students as low as $200 - $2000 in the same class[.

    Only then will students have any knowledge of "scholarships" (LOANS) they've "recieved" (taken out) after the prigram is complete with interest rates as high as 15 or more percent.

    (Edit: Comment - I don't like everything that I wrote, but it's happened to plenty of people at "good" universities, it's not reported on, and your best bet would be to take this to a site geared toward college students)
     
    #3 D_LeonardoDeCrapio, Aug 3, 2011
    Last edited: Aug 3, 2011
  4. lafever

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    This is what an Attorney sent us, they don't want to go after the online University but instead go after the consumer reporting agencies. What the Fxxx is up with that?


    CONTINGENCY FEE AGREEMENT AND RETAINER​
    1. The undersighned client, xxxxx xxxxxxx, hereby retains the law firm of xxxxx, xxxxxx x xxxxxxxxxx, xxx (attorneys) to prosecute and to recover all damages and compensation to which Client may be entitled, as well as to compromise and/or settle all claims against all potential third parties arising out of damages sustained as a result of identity theft, fraud and credit reporting issues with consumer reporting agencies.​

    2. For and in consideration of the legal services to be rendered by said attorneys, client agrees to pay and hereby assigns to attorneys, a present interest in the case in the amount of fifty percent (50%) of any net settlement proceeds obtained prior to filing suit or instituting arbitration proceedings. If suit is filed or arbitration is istituted, Client agrees to pay and hereby assigns to attorneys, a present interest in the case in the amount of fifty percent (50%) of any resolution whether obtained by settlement or by verdict.​



    The Client does not have to pay any fees to the Attorney, unless the Attorney is able to recover judgment or settle the matter. However, if the Attorney withdraws from the case for the reasons set forth in this agreement, the Client will become responsible.​


    If attorney fees are awarded against any opposing party, Client assigns those fees to the Attorney. Settlemnets will be disbursed as follows: Attorneys fees per this agreement, then any outstanding costs and then Client settlement amount. Attorney maintains a lien on all proceeds received in settlement for attorney's fees and costs accrued.​


    Attorney's fees wil be the greater of 1) fifty percent (50%) of the recovery of the benefit on the Client's behalf including any attorney's fees awarded by the Court; or 2) the fee based upon the hourly rate in the fee schedule. The Attorney in his sole discretion may agree to a cap or compromise his fees in the interest of achieving settlement. Billing is currenttly calculated as follows:​

    $225 per hour for xxxxx x. xxxxxx $350 per hour for Senior Attorney​

    $100 per hour for Paralegal time Photocopies at $0.25 per page​

    Faxes at $0.25 per page received or sent Long Distance Telephone calls at actual cost​

    All billings are made on a one-tenth of one hour basis with the minimum charge being two-tenths of one hour​

    Consumer cases are unique as they often provide a consumer only a small damage claim while also allowing the recovery of the consumer's attorney's fees. As a result, the amount of attorney's fees owed by the defendant are paid to your attorney may often far exceed the amount of damages you are entitled to recover.

    3. Client unerstands that at the conclusion of this case, there will be not attorney's fees or charges for expenses made to Client by Attorneys unless Client receives a settlement, judgment or arbitration award. If there is no recovery made on behalf of Client, then Client will not be charged for any expenses that have been incurred by Attorneys. If a recovery is made on behalf of Client, then any expenses incurred by Attorneys shall be repaid to Attorney from the gross portion of the recovery. At the conclusion of the case and prior to any distribution of the recovery, Client wil be provided by Attorneys in prosecution of Client's claims. Expenses that are routinely incurred by Attorneys include but are not necessarily limited to court filing fees, investigative expenses, travel expenses for travel incurred by Attorneys in the prosecution of Client's claims, copying charges, telephone and fax charges, expert witness fees and charges for obtaining such as medical records or other records necessary to prosecuting Client's claims.


    4. Client consents and agrees that Attorneys may associate other lawyers or law firms to assist in prosecuting Client's claims should Attorneys, in their judgment, deem association of said additional counsel necessary and in the best interest of Client's case. Client understands and acknowledges that should additional counsel be associated to assist with Client's claim, no attorney's fees will be charged to the Client in addition to or greater than those fees that have been set out and agreed to in paragraph two (2) of this agreement.


    5. In consideration for attorney agreeing to represent Client on a contingency fee basis as outlined herein, Client agrees that he/she will not accept any offers to settle or compromise his/her claim without first obtaining advice and sonsent of Attorney. In further consideration of Attorney agreeing to represent Client on a contigency fee basis, Client agrees that any and all checks or drafts for proceeds recovered in Client's case shall be made payable to Clients and to xxxxx, xxxxx x xxxxxxxxxx, xxx as Client's Attorneys.


    6. Cooperation of Client: Client agrees to cooperate with Attorney and his representatives at all times and to compy with all reasonable requests of Attorney in the prosecution of this matter. Client agrees to be truthful at all times with Attorney, to provide whatever information is necessary (in Attorney's estimation) in a timely and competent manner; to provide immediate information as to any change in Client's status which may have any impact on the procecution of this claim, including but not limited to matters such as divorce, bankruptcy, death of a spouse or interested party.


    7. Attorney may seek to withdraw for actions by Client not consistent with the terms of this agreement or should certain cirumstances arise which, in Attorney's judgment, would justify the withdrawal of Attorney from litigation.


    8. Bankruptcy Provisions: Client represents to Attorney that Client is not presently, nor does Client intend on filing for Bankruptcy protection; further, that in the event Client contemplates bankrptcy the Client will inform Attorney of same.


    9. Disclaimer Concerning Tax Advice: Attorney does not provide tax advice to Client. Punitive damages, damages for mental anguish, and damages related to non-physical injuries may be income to Client and may be taxable. Client should consult a tax attoryney or accountant for tax advice.


    10. Client undertands that this agreement shal be binding and inure to the benefit of the parties hereto and to their respective heirs, executors, administrators, legal representatives, successors and assigns. This contract represents and constitutes the entire agreement between the parties.


    11. Client understands and acknowledges that Attorneys have made not representations or guarantees as the the outcome of Client's case or as the the amount of any recovery, if any, that may be obtained in this case.


    12. Confidentiality and Conflict: The undersigned acknowledges that Attorney may be representing multiple clients in connection with the subject matter or the same defendants made the basis of this fee agreement. Any communications and information may be fully disclosed by Attorney to Client, unless the undersigned informs Attorney of his or her desire that a particular communication or item of information to be considered confidential and be withheld from the other.


    By signing this Contingency Fee and Retainer Agreement, Client indicates that he/she has read, understands and fully assents to its provisions.




    Client Signature________________________Date___________



    Date of Birth___________________________Social Security Number________________


    Proof of Date of Birth____________ Proof of SSN_________



    __________________________________________________
    Address​



    __________________________________________________
    Telephone​



    Attorney Signature_____________________Date_________​
     
  5. Rikter8

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    I would contact CNN or a large Media house and report what has happened, and send a copy to your state representative.

    Try them all. Anderson Cooper, etc.

    Hopefully that will help
     
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