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Business Profile

Loan Modification

My Payment Help Center LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Loan Modification.

Complaints

This profile includes complaints for My Payment Help Center LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

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My Payment Help Center LLC has 4 locations, listed below.

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    Customer Complaints Summary

    • 13 total complaints in the last 3 years.
    • 0 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/10/2022

      Type:Sales and Advertising Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I thought I was contacting Navient in-regards to consolidating my student loan. I provided my social security number and debit card to consolidate my loan. The representative had my loan information and I thought they were an actual rep for Navient. My payment was due and I had to pay on that balance before consolidating. So, I paid ****** which is the amount that is owed on my student loan account.

      Business Response

      Date: 09/12/2022

      we cancelled the account and issued a refund. We also deleted any identifying information.

    • Initial Complaint

      Date:08/20/2022

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I thought I was speaking with a representative from my student loan servicer (***********) but instead I was talking to a representative from this business. The name of the person I was speaking to is and his number he gave me is. They made me give personal information to them and made me sign a contract to pay them in order to consolidate my student loans. They want me to pay $780 to them and all of the forms of communication to get back in touch with them have failed. So even though the contract says I can cancel, I have no way to do so since I can not contact them. As someone who is very new to student loans and repayments, I feel so taken advantage of.

      Business Response

      Date: 08/22/2022

      According to our records your attempt to contact us was late in the day on a Saturday when we are closed. Upon reading your text Monday morning, we canceled your contract with us and deleted any personal information. 

      Customer Answer

      Date: 08/24/2022

       
      Complaint: 17746990

      I am rejecting this response because:the only reason that I signed that document was because I was led to believe that I was speaking with my student loan servicer, ***********. The number of this fraudulent company came *** when I googled "*********** borrowers phone number," which is how I first came into contact with them. According to reviews and complaints, this is a similar experience for others who have fallen into the trap of this fraudulent business. 

      This company led me to believe that I was speaking with *********** and knew that I would rely on the guidance of my student loan servicer when making decisions about my loans. They used that reliance to coerce me into signing that document with them. In case this company is unaware, "fraud in the inducement" is a common legal defense in contract suits. I have been speaking with my lawyer regarding this matter and can easily take this matter to court if necessary. 


      Sincerely,

      *************************

      Customer Answer

      Date: 09/02/2022

      From: ***** ************************* <********************************************>
      Date: Thu, Aug 25, 2022 at 9:16 AM
      Subject: Complaint ********
      To: *********************************** <***********************************>


      Hello! 

      I recently filed Complaint #********. Yesterday, following the business's response to my complaint, I selected that I was not satisfied with the business' offer. 

      However, I misunderstood how to read the company's offer until after I had submitted my rejection of the offer. I thought I was reading the company's response, but was looking at a document I submitted in the complaint. 

      Since the company has agreed to cancel the contract, and that is the result I wanted, I want to accept that offer. Is there a way that my rejection can be changed to an acception of their offer to cancel the contract? 

      Thank you so much for your time and help! Please feel free to reach out to me if any additional information is needed. 

      Best regards,
      *************************
      ************

      --
      ***** ************************  (she/her)

    • Initial Complaint

      Date:08/03/2022

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I was contacting my student loan provider Navient in regards to student loan payments. The person answered was *********************** who informed me that due to the Navient Lawsuit that mypaymenthelpcenter was responsible for this service and that I was eligible for student loan forgiveness. In order to qualify I would have to pay 3 separate installments per personal loan forgiveness and parent student loan forgiveness. I contacted Studentaid.gov who informed me that there is no fee associated with being placed in the student loan Forgiveness program. After speaking with Studentaid.gov, I emailed mypaymenthelpcenter a(***********************) and informed them that due to financial hardship that i could not participate in their program and please provide me with a refund and delete my information from their records. No response has been received as of this complaint submission. As of today I have paid a first installment of $111.00 on one loan and a total of ****** for another loan. I am requesting a resolve and full refund of funds expended and an assurance that personal information has be purged from their system. Thank you for your assistance.

      Business Response

      Date: 08/31/2022

      we met our contractual obligations on the payment for $406 and we refunded the $111 because we had not completed the work on that contract. We have deleted any personal information.

    My Payment Help Center LLC is NOT a BBB Accredited Business.

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