Date Received: 2023-02-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, this is in reference to a private XXXX loan that I cosigned for my son. I went to XXXX bank ( the company that services the loan is called firstmark services ). at the time I asked for the payments to be automatically taken from my citizens checking account ( this did not happen ). When I realized that i was not making payments I called XXXX and made the payments over the phone with a debit card ( i have XXXX separate loans ) this was in XXXX of 2022 I received a phone call from XXXX bank collections telling me that XXXX of the loans was still behind and going into default I immediately called XXXX and spoke to a representative who told me that the funds were misapplied ( an overpayment to XXXX loan an no payment to XXXX loan ). He told me he would adjust it and i was current. XXXX records these phone calls they are on record In XXXX I was informed that the loan was in default After countless phone calls and emails I spoke with a representative who helped me, she found the mistake made on firstmarks behalf and helped me return the loan into repayment status. In the meantime from XXXX there are derogatory and delinquent account notices with XXXX and XXXX that remain on my sons and my credit reports. I have politely been asking for these items to be removed because the misapplied payment was a mistake by firstmark.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
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: Nelnet is reporting late payments on two of my student loans in 2019 during the COVID-19 Pandemic. I applied for a deferment. However, the deferment has not been applied to the months reporting as late. I am on an Income Based Repayment plan. My current payments are {$0.00} per month. When disputed with the credit bureaus Nelnet has confirmed the reporting and has updated my account as " In Deferment '' though at least one account appears to be incurring interest while in this status. Your assistance is greatly appreciated.
Company Response:
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX points was deducted on XX/XX/2023. According to Nelnet, they have updated records which shows that I am up-to-date. However, the credit report still removed XXXX points which needs to be corrected because its not accurate information.
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company is violating my privacy under the Privacy Act of 1974. It is illegal to report transaction history. They are also in violation of FERPA
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have emailed and called on multiple occasions to advise and ask why the account balance is not being reported.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My original loan servicer was XXXX XXXX XXXX and in XXXX was sold to Nelnet. After news of possible student loan refund, I called Nelnet on XX/XX/XXXX to request a refund. I was told they would need to send this request to XXXX XXXX XXXX, who payments were made to. I was told this would take up to 4-6 weeks to recieve a refund. I also asked for copies of previous payments made on existing loans along with access to records of all loans paid off. I was told they would have to request this from XXXX XXXX and they do not have this information. On XX/XX/XXXX, I made a call to XXXX XXXXXXXX to ensure the request had been made for a refund as well as requesting a copy of my payment records which were no longer available on my online account after being sold to Nelnet. I was told these requests needed to be made through my current loan servicer, despite me explaining that Nelnet stated the exact opposite. On XX/XX/XXXX I called Nelnet to check on the status of my refund and access to records and history of previous payments. I was told this may take up to another 4-7 weeks to process as they requested the payment information from XXXX XXXXXXXX XXXX but did not recieve it yet. On XX/XX/XXXX, I called Nelnet to check on the status of my student loan refund request. I was told they had no updates and due to the large amount of requests they have recieved they could not give me a time frame for my refund. I requested to speak with a supervisor to expidite this issue given my request was made on XX/XX/XXXX. I was assured it was being worked on but they could not give me any timeline. On XX/XX/XXXX I called Nelnet again to check on the status of the refund and previous payment records and was told the same information as before. No update or timeline able to be provided. On XX/XX/XXXX I called XXXX XXXX XXXX to inquire if the request to recieve previous payment records was recieved or a refund request. I was told they couldnt see a request for a refund but they agreed to send me a copy of my history of payments made. On XX/XX/XXXX, I made a call to Nelnet to check on the status of my refund request. I was told they had not recieved records of payments from XXXX XXXXXXXX. I informed them that I had a copy of the payments now and could provide this to them. The representative stated this information needed to come directly from XXXX XXXX. Based on these statements, a total of {$4600.00} has been paid towards student loan from XX/XX/XXXX to XX/XX/XXXX. To this day I have only recieved refunds on two payments made to Nelnet amounting to approximately {$1100.00}. The remainder of my refunds for payments made during the pandemic have not been made nor have I been given any updates on the status of the refund. In XXXX, I recieved a check for {$8000.00} from XXXX XXXX following withdrawl from classes. On XX/XX/XXXX, a payment of {$8000.00} was made to Nelnet towards outstanding balance of approximately {$12000.00} dollars. On XX/XX/XXXX, I recieved an email from XXXX XXXX stating that a return of title IV funds equalling {$10000.00} was sent to the Department of Education for withdrawl of courses. The email then states my new balance owed to XXXX went from {$0.00} to {$9100.00}. I called XXXX on XX/XX/XXXX to inquire about the charge. Informed XXXX that I already recieved a check for {$8000.00} for the withdrawn courses and this money was already sent to the Department of Education. XXXX representative stated they would look into this and call me back. On XX/XX/XXXX, a call was made to Department of Educatuon XXXX XXXX XXXX to inquire on loan balances. I was told they could only see that I had a balance of {$0.00} on all of my accounts and that they were paid in full. Informed of the above situation. Was advised to call XXXX XXXX XXXX and Nelnet to resolve issue. On XX/XX/XXXX, I called XXXX XXXX XXXX to inquire on details of balance owed. I was told they will continue to look into this but do not have updates at this time and to try back in a few days. On XX/XX/XXXX, I made a call to Nelnet to see if they could provide me additional information. I was told my account is showing it is paid in full as of XX/XX/XXXX for an amount received for {$6000.00}. Informed representative that a payment for {$8000.00} was made on XX/XX/XXXX, not {$6000.00}, and I have proof showing this was taken from my checking account. Nelnet representative stated she could not see any other payment besides for {$6000.00} on XX/XX/XXXX. Requested to speak with supervisor due to inability to provide further details or resolve issue. The next Nelnet representative stated that a check for {$8000.00} was recieved but due to my loan balance being {$0.00}, the check will be refunded to me. I requested a timeline, they stated they were unsure how long this would take. On XX/XX/XXXX I recieved an email from XXXX XXXX giving me a copy of loan disbursement made on XX/XX/XXXX for {$10000.00}. However, the email gave no explanation as to why a check of {$8000.00} was mailed to me, {$10000.00} was sent back to Department of Education, and why there is a remaining balance of {$9100.00}.
Company Response:
State: MI
Zip: 499XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to you, CFPB to inform you of the improprieties conducted on behalf of Great Lakes Educational Loans. Great Lakes has no written consent, court order or Power of Authority with me. The FDCPA Fair Debt Collection Practices Act appears to be in violation due to the aforementioned things. Great Lakes is definitely violating my right to privacy as pursuant to the Constitution. The company has already utilized my personal information without my knowledge with other companies. Defaming my name to the public is also a violation of the Constitution as well as the law. These are discriminatory transactions that are being reported are impacting my ability to attain my rights to acquire the basic necessities of life ; for example a quality home, decent car and educational aspirations for my children. I feel like I am being denied my access to the American Dream by the conduct of Great Lakes Educational Loans with this treatment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My son, XXXX XXXX passed away in XXXX ( 2022 ). I provided copy of death certificate and was told loan dischargement request was approved in XXXX. I was told it would take 30-60 days to finalize. It has been over 60 days since the approval. Account is with Nelnet # XXXX under my name, XXXX XXXX XXXX. I have made full payments since XXXX.
Company Response:
State: MA
Zip: 01085
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dept of ED./ NELNET XXXX XXXX XXXX XXXX, XXXX XXXX Attn : Nelnet customer service team XX/XX/XXXX Re : Notice to Cease Contact, account number XXXX To nelnet customer service team : This is a warning notice to the alleged wrongdoer of such debt which you're a debt collector because you are simply attempting to collect an alleged debt. I noticed ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), there is evidence of use of abusive, deceptive and unfair debt collection practices resulting in the infringement of my intellectual property rights. According to USC 1692c ( c ) ( 2 ) i am invoking my specified remedies as a consumer and i am demanding all of the following : 1 ) Zero out the balance of this account 2 ) provide my name a consumer and natural person, with documentation showing the account was zeroed out via mail 3 ) cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XXXX XXXX XXXX ) removing ANY and ALL reporting of the debt collection activity to all consumer reporting agencies This is to give you notice to cease all contact with me or anyone else except the creditor about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice to you to cease all further communications with me. If you must contact me, please do so in writing and not by telephone. I look forward to your acknowledgement that you have received this notice by XX/XX/XXXX. Sincerely, XXXX XXXX
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: NelNet had my loans prior to consolidation, when applying for XXXX they provided inaccurate count of 'qualifying ' payments made under changes with the program causing me years of payments that should count. Under NelNet and their 'automatic payment ' system which controlled their transaction dates that could not be altered, payments were being made and marked as late. They would also apply payments to select loan ( s ) and mark the others as late/not paid. While on deployment they completely stopped automatic payments, sent a new form ( which could not be received and faxed in as required at that time ) to reestablish automatic payments due to a " glitch '' after a system change/update. On return, receiving the communication and finding I was showing no payments made and multiple XXXX, XXXX, XXXX and 120 days over due on different loans I reached out to NelNet via phone. Customer service would not fix the late markings/count any payment as on time at all, nor restart income based repayment plan or automatic payments with out first paying all overdue amounts, multiple stacked service and late fees at once. Ineffective systems and servicing should not further adversely affect the payee but reflect upon a servicer.
Company Response:
State: FL
Zip: 32073
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A