Date Received: 2023-02-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently checked my credit report and notice that XXXX, XXXX XXXX XXXX are listing a student loan listed on my credit report from the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Account number XXXXXXXX XXXX XX/XX/XXXX The two accounts listed are not my accounts under the Fair Credit Reporting Act the Accounts listed needs to be validated and the proof of promissory note and issuer signature. you have 30 days to present the items listed ; I demand that both accounts needs to be permanently removed from all three credit reports.
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have had to correct my address information for my private student loans on a least three ( 3 ) occasions within the past one ( 1 ) and one-half ( 1/2 ) years. I have not received payment information for my loan since it went into repayment on or around late XX/XX/2022. For whatever reason FirstMark 's systems have placed my current address to an address I have not lived at in central Florida -- an address I have not lived at in over fifteen ( 15 ) years. In fact when my mother made a payment on my behalf in early XXXX FirstMark disclosed that the address on-file was the Florida address XXXX Because of the address error, I have not received bills, yet Firstmark has furnished informattion to the CRAs claiming payment is now late by sixty ( 60 ) days or more. Firstmark may claim that they mailed payment in accordance with " all applicable laws. '' But, the reality is the act of mailing a payment to an address that is from fifteen ( 15 ) years ago does not enable me to receive timely statements. The claim that somehow I should " be able to look at my statements online, '' assumes that there are no circumstances that would prevent such. As it stands, I am experiencing a shortage of medication that regulates a chronic medical condition, that without subjects me to extreme sensitivity to light and sound, for which both register as pain. During those periods I am unable to use a computer or phone.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have contacted XXXX XXXX XXXX on multiple occasions regarding two student loans that are serviced through them. The first payment I made to them was on XX/XX/XXXX for {$600.00} ( my regular monthly payment at the time ). {$330.00} was to go to the loan with the lower interest rate and {$260.00} to the loan with the higher interest rate. This payment appeared to allocate the funds correctly with a total of {$570.00} going to the principal for the two loans and {$30.00} going to the interest for both loans. The following month I had spoken with multiple loan officers on how to go about making an overpayment so that additional money would go straight to the principal and not the interest. I was told by multiple employees that all I had to do was make a single payment that was greater than my regular monthly payment, and that any amount over my regular monthly payment would go directly to the principal. On XX/XX/XXXX I made a payment of {$1000.00} but only {$580.00} went to the principal and {$410.00} went to the interest. Nearly all of the overpayment went to the interest, and not the principal like I had been told multiple times. Following this incident I called their customer service again and the loan officer told me that this happened because I didn't make the payment on the payment due date ( the XXXX of each month ). She submitted a special payment request to reprocess my payment but nothing changed. She told me that if I wanted to make an overpayment and have the additional funds go to the principal that I had to make that single payment on the payment due date. So, the next month I made another {$1000.00} payment on the payment due date of XX/XX/XXXX. At this point my minimum monthly payment was {$590.00}. Out of my {$1000.00} payment, only {$590.00} went to the principal and {$400.00} went to the interest. There was essentially no change in how the funds were allocated and my overpayment went almost all to the interest. I called their customer service multiple times again and had special payment requests put in. They agreed that there was no reason for my payment to be allocated this way. This time I did hear back about the special payment request. I received an email stating that it had been processed. I immediately checked my account to see how the allocation changed but there were no changes to the allocation. I called customer service again and this time they told me that if I wanted to make an overpayment and have the extra money go towards the principal that I had to make two separate payments on the payment due date. One payment for the regular monthly payment and one payment that would be considered the additional payment and would go straight towards the principal. This completely contradicted everything every other loan officer told me. Every other loan officer stated that if I made two separate payment, the second payment would ago towards my next month 's payment -- it would not be processed as an additional payment. Due to all of the frustration, this month I decided to pay my regular monthly payment amount of {$590.00} on the payment due date. {$410.00} went to the principal for the two loans and {$180.00} went to the interest. This is clearly inconsistent, as when I made the regular monthly payment back in XXXX, only {$30.00} went to the interest, nowhere near {$180.00}. Upon further inspection, for one of my loans ( the one with the higher interest rate ), {$0.00} went towards the principal meanwhile {$63.00} went towards the interest. For one of my loans, no money this month went towards the principal. It all went towards the interest.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have not giving anyone consumer reporting agencys written instruction to use my information or to add the deragotory Items to my credit report. 15 U.S Code 1681b permissible purposes of consumer reports
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX Great Lakes Educational Loan Services Inc. called my phone number XXXX from their phone number XXXX. When I answered the call there was a long pause and a click. They used an automatic dialing device/ an adts to call me in violation of the TCPA. When I asked if they were a debt collector, they refused to answer my question. When I asked if they were trying to collect a debt, they refused to answer my question. I am happy with my student loan provider and I do not want to change companies. I do not want any telemarketing / solicitation calls from them. They do not have my consent to call me in violation of the DNC laws.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loan provider informed me that I owe all my federal debt that I have already paid. They are telling me that I owe this money because a check has been sent from the department of treasury for the amount of my debt, so for some reason that means I owe my full debt. This is affecting my credit score EXTRODINARILY. Please advise.
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/2022, Nelnet received a payment of {$18000.00} as part of a consolidation with another student loan servicer ( XXXX ). On XX/XX/2022, despite having a XXXX balance remaining on my student loans, Nelnet debited {$200.00} from my XXXX checking account. I called in several times after that and was told that the overpayment would be refunded to my XXXX checking account. When I had not received the payment by XX/XX/XXXX, I called in and was told that the payment had been forwarded to XXXX. I have checked multiple times with XXXX and with XXXX, which assisted with the loan consolidation. Neither company has any record of receiving any payment from Nelnet. Nelnet is unwilling to assist me further and is telling me that the money was sent. As such, Nelnet either lost or stole my {$200.00}.
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have provided proof of identification theft on my credit report and consumer report and they still report student loans on my account they need to be permately deleted off all agencies
Company Response:
State: GA
Zip: 30161
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. In addition to the many violations, Nelnet is NOT the original servicer of the DEPTEDNELNET Accounts # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. Nelnet has also failed to properly secure and safeguard personally identifiable information for more than XXXX XXXX borrowers, including myself during a recent data breach of its servers. The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from Nelnets ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. What I am demanding right now is that you guys delete the multiple DEPTEDNELNET Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. In addition to the many violations, Nelnet is NOT the original servicer of NELNET Account # XXXX, Account # XXXX AND Account # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. Nelnet has also failed to properly secure and safeguard personally identifiable information for more than 2.5 million borrowers, including myself during a recent data breach of its servers.The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from Nelnets ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. What I am demanding right now is that you guys delete the following NELNET Accounts : Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A