Date Received: 2023-01-22
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Consistently tried to get a Income Redriven payment plan. But was not allowed to.
Company Response:
State: WI
Zip: 53222
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX I uploaded a completed XXXX XXXX XXXX XXXX XXXX XXXX Netnet XXXX XXXX. I received a notification that Nelnet had received the loan forgiveness application and would take XXXX days to complete the request. I received a letter from Nelnet dated XX/XX/XXXX that my loan forgiveness application was materially complete had been forwarded to the Department of Education for their review. In the beginning of XX/XX/XXXX I received a second letter from Nelnet dated XXXX XXXX stating I needed to resubmit my application. To recap I submitted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and received XXXX different replies from Nelnet to this XXXX submission. The first reply found no problems with my application submission and forwarded my application to the Department of Education while the second reply stated my application needed to be resubmitted and my application is on hold at Nelnet.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made a payment to Nelnet, my student loan servicer, on XX/XX/XXXX in the amount of {$9400.00}. I attempted to initiate a refund for this amount in XXXX of XXXX and have still not received it as of today, XX/XX/XXXX. I have called multiple times requesting updates or attempting to restart the process only to be told 'the process is still taking place ' with no other detail. The current timeline of 3+months well exceeds the 4-6 weeks I was originally quoted and at this point the actions of the student loan servicer appear to be fraudulent.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Nelnet has improperly calculated my 5 years of continuous teaching multiple times as part of my XXXX Loan Forgiveness Application. I am using the XXXX Loan Forgiveness Application downloaded from the Studentaid.gov Web site as the authoritative document for instructions and definitions in filling out the XXXX Loan Forgiveness ( XXXX ) application. This downloaded application has an expiration date of XX/XX/XXXX. The instructions on page 3 of the XXXX application in Section 7 state : If you need to list multiple XXXX or need more than one XXXX XXXX certification, the information required in Section 5 may be provided on a separate piece of paper and submitted with your completed form. Attached are the second page of my submitted application and an additional sheet which contains a completed XXXX XXXX XXXX Section only. To be clear my submission has always been three pages. Page 1 and page 2 are sections 1 thru section 5 of the XXXX application. Page 3 was a copy of page 2 with only section 5 completed. On page 4 of the XXXX application in Section 8 defines : An academic year is : Two complete and consecutive half years at different schools or for different XXXX service agencies. The dates in the attached certifications are shown as follows : XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX, and the XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX. I am claiming the following continuous years of service : XX/XX/XXXX XX/XX/XXXX ( XXXX year of XXXX XXXX XXXX XXXX ), XX/XX/XXXX XX/XX/XXXX ( XXXX year of XXXX XXXX XXXX XXXX ), and XX/XX/XXXX XX/XX/XXXX ( 4 years of XXXX XXXX XXXX XXXX ). This service meets the requirements of 5 years of continuous service.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They are reporting false information. It says I was late 90 days but on the report it says I was on time In XXXX and in XXXX but I was late in XXXX and in XXXX
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am a co-signer of a private student loan with XXXX XXXX who uses FirstMark as their servicing company. My son makes the regular monthly payments while my husband and I make additional payments on his student loans. On XX/XX/XXXX, we made an additional online payment of {$1800.00} and specified that it be applied to only 1 of the 5 notes that my son has. This amount was an exact payoff amount for this specific loan. I even had a FirstMark loan officer on the phone with my husband and me to verify that it was paid in full. The loan advisor said that he could see in my account that the loan was paid off. On Friday, XX/XX/XXXX, we were shocked to see from my online account that this loan was not paid off in full but rather our {$1800.00} was divided into 5 payments of {$360.00} and applied to all 5 loans. WHO CHANGED MY ONLINE PAYMENT? We have heard that it is against the law to go into someone's account and change their payments. This is not the first time FirstMark has ignored our special instructions and paid loans not intended to be paid. In fact, this problem has been going on since XX/XX/XXXX and continues today. We have spent numerous hours on the phone correcting mishandling of our additional student loan payments. Corrections have been made month after month but we do not know how much money was lost by their mistakes. Remember, these loans accrue interest daily. My husband and I feel that they are intentionally preventing us from early payoffs of targeted loans. We are frustrated but will not be deterred from meeting our goal of paying off our son 's student loans early.
Company Response:
State: PA
Zip: 19454
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. Requested proof of this account and company hasnt't met the demands of what was requested. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items an updating to paid in full.
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I went to XXXX XXXX and XXXX XXXX XXXXXXXX and they promise job placement and I never got or job
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A