Date Received: 2023-09-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: the company keeps miss allocating the money i send them to pay for my loans which keeps causing excessive fees. the last times i have had contact with firstmark XXXX XXXX XXXX about my loans i told them to pay for the specific month and all its late fees which should bringing my account to the normal monthly amount, but yet again i have more fees than i should having to pay more than i should. COMPLAINT ID XXXX was about the same issues.
Company Response:
State: MA
Zip: 02126
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loan SAVE plan reflects a payment I can not afford. I tried to get it redetermined, but their website still displays the incorrect higher amount. I can not afford to pay ANYTHING right now or for the foreseeable future, unless something changes. I have tried to reach them countless times. Each call is met with XXXX hour hold times, and calls are always disconnected before they are answered. Most days I start calling when they open and have been disconnected while on hold XXXX times throughout the day, giving up when they close. Every day for months. I also have submitted several requests to be contacted via their website email form, also without any response. My payment counts only show from XXXX, however I have been paying since XXXX, qualifying me for discharge. The balance is incorrect as well. Additionally, they are reporting on my credit report absolute nonsense that does not coincide with the amount they say I owe or anything else I can find. This has cost me considerable XXXX XXXX points. I feel this is likely illegal. How can I be expected to pay an incorrect amount on an incorrect amount, while simultaneously having different incorrect amounts reported on my credit, and just... ignore it and pay, hoping they straighten it out eventually?
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX-present Nelnet is claiming Im responsible for loans I never applied for or authorized. Nelnet and XXXX has not done a complete investigation, I filed a police report and filed a complaint with FTC. Look into the IP address, check my signature, I did not take out these loans, benefit nor authorized them
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I sent Nelnet a letter asking for a debt validation/verification concerning the account they claim is mine, asking for the amount I owe, fees, and the original party making the claim. I sent this letter on XX/XX/2023 and haven't heard back and they're still contacting me trying to collect.
Company Response:
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Loan Lending Company XXXX XXXX. At this time the Lending Company has merged 3 times to a fourth company, now Nelnet since I signed up. That is an indicator to me and a privacy concern. I thought the bank account information and the personal information in general should have been a Second Amendment possibility. The company is for students and that is too much to consider after a XXXX I am now alerting someone. I have written a letter of complaint by mail to the company direct unsure of receipt. XXXX XXXX XXXX XXXX Nelnet
Company Response:
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I received an email from Nelnet on XX/XX/XXXX saying I qualify for a 90 forbearance on my loans, due to being in a natural disaster area from the Hurricane in XXXX, FL. The email stated to respond if I wanted to opt in, of which I did respond the same day I received that email. It is currently XX/XX/XXXX and I never received a response for forbearance and my account still shows as owing my first payment on XX/XX/. This puts me in a terrible spot as I am going through financial issues and was relying on this forbearance and did not realize that their system would be this messed up. I have been attempting to call them but I have been stuck on hold for hours with no one picking up. I submitted an email to Nelnet as well to no prevail. I am afraid their incompetence is going to force me to pay on XX/XX/XXXX with money I don't currently have. I also understand their email stated they'll review it and approve it if " I'm eligible '', however I never received a follow up response and my account does not show any status updates from this, which leads me to believe that it was never looked at.
Company Response:
State: FL
Zip: 34677
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to DEPT OF EDUCATION/NELN XXXX, DEPT OF EDUCATION/NELN XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX and DEPT OF EDUCATION/NELN XXXX. I made all my payments in time. I was never late. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file. Please remove this immediately from my report. If there is any confusion, I suggest you contact myself or NelNets customer service representative.
Company Response:
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: I was a student at XXXX XXXX XXXX XXXX for 3 years. I was an excellent student with some bad apples for administration. I made it to the final program where I studied constantly then the school got moved to XXXX va where I was able to get to class sooner. Eventually I got approached by administrators and he told me that they hadnt recorded my attendance for the past few months and proceeded to kick me out. After they moved schools they had gotten rid of the sign in sheets for our attendance and relied on teachers memories who had seen hundreds of students day and night without writing their attendance
Company Response:
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to dispute Inaccurate Credit Reporting for FIRSTMARK Account # XXXX I called this company, and they were not able to find an account for me. I informed all 3 credit reporting companies, and they still reported the incorrect information. So, I am now seeking your help to request an investigation into the reporting of account # XXXX on my credit reports, I have attached copies of my credit reports from XXXX XXXX XXXX XXXX and XXXX for your reference, which demonstrate inconsistencies in the reporting of this account as well. This account is not mine and should be deleted from my credit file. I did not sign any contracts with FIRSTMARK and I do not owe them any money. In addition they are reporting discrepancies with is an FCRA violation which include the following : Account Type : The account is reported as an " Installment '' type account. However, it is reported as an " Educational '' account on XXXX and XXXX. This is incorrect and misrepresents the nature of the account. Account Status : The account status is reported as " Derogatory '' on XXXX and XXXX 's reports, while XXXX reports it as " Paid. '' Date Opened : The date the account was opened is reported as XX/XX/XXXX, on XXXX 's report and XX/XX/XXXX, on XXXX 's and XXXX 's reports. No. of Months ( Terms ) : XXXX and XXXX report 360 months ( 30 years ) for the terms, which is accurate. XXXX, however, reports " XXXX, '' Last Reported : There are variations in the last reported dates, with XXXX reporting XX/XX/XXXX, XXXX reporting XX/XX/XXXX, and XXXX reporting XX/XX/XXXX. Date Last Active : The date last active is reported as XX/XX/XXXX, on XXXX 's report, XX/XX/XXXX, on XXXX 's report, and XX/XX/XXXX, on XXXX 's report. Date of Last Payment : XXXX reports the date of the last payment as XX/XX/XXXX, while XXXX and XXXX do not provide this information. I am formally disputing these discrepancies and requesting a thorough investigation into the accuracy of the reporting for account # XXXX. Please conduct a comprehensive investigation into these discrepancies and provide me with the results of the investigation. This account needs to be deleted from my credit file. Please request documentation and show me proof ( a signed contract with my signature. ) I understand that, according to the Fair Credit Reporting Act ( FCRA ), they have 30 days to investigate and respond to this dispute. I look forward to a prompt resolution of this matter and the correction of my credit reports. Please send me written confirmation of the actions taken as a result of this dispute. Thank you for your attention to this matter.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I applied for a student loan but did not end up attending the school and the loan has been returned in its entirety with nothing furthered owed. Nelnet was first loan servicer and transferred the loan to XXXX who returned the funds that had been disbursed. Nelnet continues to report that I owe them XXXX despite having transferred the loan to another servicer who then returned the funds. How do I compel Nelnet to update their report to reflect loan status? Thank you XXXX XXXX
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A