Date Received: 2023-01-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: i already wrote this it timed out and didnt save my complaint. i had to hit send like 4 different times i was active when it timed me out. same thing with student loan.I did school closure as directed by servicer. denied. then made complaints for early timing out i had a rep do it with me 4 times when u get to uploading proof and what you want for the mistakes it wont accept just freezes. so we waited then it timed out and wouldnt let me retrieve it even though i hit save every time. i just recieved an email basically saying my entrys are in correct and timeline and info and submissions. i was told by every serbmvicer that listened to my issues that i should get it dismissed and file grievances. and those ssme ppl wont help me. ive been out of school for XXXX. the first time i ever even seen my loan info was XXXX XXXX theres proof. i was on an approved absence witing to take a certification thst was deemed out of date the day of test time. we were told by dean we could retake it. its only given once a year. my program was suppossed to end in XXXX XXXX and then i was going to take the second degree and teach adjunctly after that. that was the plan from the beginning. they made us do a fake graduation XX/XX/2016 i was told by financial aide to take a break and i had a job/internship waiting and new semester was in XXXX i assumed that was an approved absence and i was enrolled for XXXXXXXX XXXX XXXX arently i wasnt. i was approved for XXXX w/ XXXX grants XXXX. i shared this info and XXXX said it was wrong. XXXX aide guy got married went on honeymoon and i never seen him agsin. i got all my classes checked off to graduate but still neede my certification and never did a walk out plan to start payments. whichbwouldnt have been necessary since if i was enrolled. i never unenrolled or got loan info. i realized this in XXXX of XXXX i was told sorry and that i could take classes adjunctly and could still adjunct teach once I had XXXX yrs of field work. which i did already. so i would assisst teachers and mentor new students. while working. all in my field of study then school closed. i never got diploma or certification after school closed the entire city discredited the school so using it on resume has hurt me instead of helped. i was promised XXXX perks a job and full access to the only XXXX XXXX recording studio for life. and it closed i have nothing but a debt to show for it. my degree doesnt even come up on job searches i told them that and they called it something else. audio technician. thats a guy who fixes radios. im an audio engineer music producer XXXX busines graduate. the difference is about XXXX a yr. and this is my loan servicer and XXXX teaming up on me. Nel net/ XXXX XXXX XXXX are all parties involved They have stripped me of my degree my time my career my credit score and have stopped my pursuut of happiness and have left me destitute begging for forgiveness when its them who should beg me for mercy. my life. its ruined my life. my hopes my dreams and ive talked to them. no one cares they are forgiving everybodies loan it seems but mine. instead they make me fight when the evidence is clear. any way u slice it i deserve dismissal. from financial aide and intake fraud to shady tactics and loss of accredidations to closing with no warning.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Nelnet Acct 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
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The U.S Department of Education is posting 5 charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report. U.S. Department of Education - Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have a student loan costing {$610.00} per month with Firstmark. ( I also have other federal student loans which are in good standing and in forebearance. ) In the fall of XXXX I was on XXXX and could not work. During that time, however, I was able to make all payments on all of my loans with Firstmark, including paying off XXXX of the loans using my sick pay and savings. The account has always been in good standing. In the Spring of XXXX I was unable to return to work and began receiving unemployment in the amount of {$1600.00} per month, which was only a small portion of my full monthly salary. I continued making payments using my savings, as the unemployment would not cover my living expenses and the {$610.00} student loan. When I realized I would not have enough savings or income to pay the full amount of the student loan and live, I tried contacting the company. I was told they had no options for me. I continued to call and asked for other people I could email or write to for help at the company, all to no avail. First, I tried multiple times over the past year ( XXXX to XXXX ) to arrange for a forebearance, reduction of monthly payment amount, or even other flexible payment options such as interest only loans or income based repayment. They told me they could not help or change anything and that my account would go to collections. They then told me to contact the loan holder T.H.E. and provided a website. Per the website there was no information on how to contact them - no phone number, email address or mailing address - and there was no information on what was available to me or how to address my problem. I continued calling Firstmark and emailing Firstmark including screenshots of the defunct and useless website they kept referring me to and they told me they could not help me further. At one point the customer service agent went to the website with me on the line and offered to escalate my complaint and issue. I received an email back a few weeks later claiming there was nothing further they could do. I have retained the email chain. Since early XXXX, I have been paying on the Firstmark student loan as best as I can. I currently have my own business that I started in XXXX in which I work as a XXXX being paid as a XXXX for various clients. When I have income, which has been more and more frequent, I make payments as large as I can to keep the account from going too far past due. While my income has been increasing, I do not receive unemployment anymore, and I still often do not make more than {$1600.00} per month. My income qualifies me for state assistance, which I take advantage of for XXXX, so as to keep my expenses low and allow for payment on this loan ( which is the largest expense that I have ). Today I called again because the Firstmark website had a new page available titled " Repayment Options ''. On the page it lists which options are available for your loans. It is not a generic website as it lists my loan numbers which are my loan account numbers, which are specific to me. When I called to ask about how I could apply for the repayment options listed ( including forbearance and interest only ) I was told that it was generic and did not apply to me. I asked individually about EVERY SINGLE OPTION that was applicable to me because I know from experience that they are told not to volunteer any help or options that I could use that would reduce or eliminate my payments. Even still, I was told that none of the options listed for my specific loans and my specific account could apply to me. They should be required to disclose all available repayment options applicable to borrowers when asked. Borrowers shouldn't be required to ask specifically about hidden programs or options that they do not know may be available to them. This is extremely unfair and distressing. This is deceptive, misleading, and malicious. This entire process over the last year has been distressing and infuriating. I have spent so much time battling this company and its ineptitude, laziness, and cruel and greedy practices. And yet, I continue to make payments and try my best to ensure payments are made. If people have a choice as to their student loan lender or servicer, do not choose Firstmark. My recent experiences have shown that their practices are deceptive, shadowy, and possibly fraudulent. Their reluctance to give or even identify correct information they share with their customers is a dangerous and intentionally misleading practice that should be avoided if possible but definitely investigated and stopped as soon as possible. Please investigate and take any and all action necessary to censure, correct, or shut them down to prevent further harm to borrowers.
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The Seminary I attended in XXXX says I have an unpaid loan for {$970.00}, but the only proof of the loan they can provide is an email, that the author has no memory of writing. My issues with the debt are : - I did not apply for this loan or receive any funds from this loan- I withdrew less than 2 weeks into the semester- I legally could not take out a loan due to loan forgiveness from my In the Line of Duty Injury - They can not provide a loan application or canceled check - The only documentation of the loan that LTSS has provided me is an email that the author has told me she has no memory of writing. - LTSS has refused to provide me a loan application, canceled check or an official invoice to verify this loan - The Seminary will not release my transcripts and LSAC is requiring this transcript The loan that there attributing the {$970.00} balance to is a zeroed out forgiven loan by the department of education. It was forgiven and pardoned in XXXX and the seminary refused to give me the information they just forwarded this information to the South Carolina department of consumer affairs. I contacted the department of education and Nelnet and Nelnet says that when they forgive a loan, they pay the full loan so the {$970.00} cant be valid if its attributed to the loan they are citing. Nelnet is the administrator of loans and spoke with XXXX at Nelnet and she stated that they forgive the loan in its entirety and they said its the responsibility of the university to zero the loan out. Also i have text messages where the university has twice invalidated the loan and then brought it back to life and those messages show the administrator admitting to the other agent was lying and they knew that the loan was invalid back in XXXX when they brought me back to the university. And this same administrator admits that he invalidated the loan also and that's why he allowed me to take more courses at the university. But now the loan is back with no explanation. I also have the download and my discharge letter that shows that the {$970.00} shouldn't be valid. And according to department of education when they XXXX out a loan not only is the loan completely paid for but if i would have made any payments toward the loan they would have been paid back to me.
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have applied for recertification of my XXXX program and Nelnet refuses to process my recertification saying that my recertification date has not been reached ; nelnet is asking for an almost {$800.00} payment when payments resume! I can not afford such a payment! they refuse to recertify me!
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I completed a forbearance plan with the Department of Education to place my loans back in good standings with with my student loans. Upon completing my plan on XX/XX/XXXX, my previous late payments were supposed to be removed from my credit report. The Department of Education sent me a letter stating they would remove any negative reports that were on my credit for the previous 5 years. After 3 months I noticed no change in my report and reached out to the Department of Education again. They informed my that my loans had been sold to Nelnet and gave me their contact information. I then reached out to Nelnet and also stated my situation in which they sent me a letter in XXXX also claiming that they would remove the record of default from my credit history. Now we in XXXX of XXXX and still nothing has happened which is why I am submitting this claim today.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XXXX XX/XX/2022, I submitted a concern about a refund of any unearned portion of interest charge to XXXX XXXX XXXX the CFPB. The initial letter is below. The company responded that the account didn't belong to them ; however, they have serviced my profile and the information was taken from my consumer report. I received confirmation from XXXX that NelNet has the proceeds concerning my complaint. I am attaching the reply from XXXX and is demanding Nelnet to release ALL unearned interest to XXXX XXXX XXXX. NelNet lied and is very unacceptable. NELNET XXXX XXXX XXXX XXXX, XXXX XXXX Re : Refund of unearned interest on Account XXXX XXXX XXXX XXXX To Whom It May Concern, It has been brought to my attention that refinancing, consolidation or restructuring of a consumer credit transaction the creditor shall promptly refund any unearned portion of the interest charge to the consumer. The creditor shall compute the refund based on the method which is at least as favorable to the consumer and by law it is the actuarial method. The actuarial method allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied first to the accumulated finance charge and any remainder is subtracted from, or any deficiency is added to, the unpaid balance of the amount financed. Upon receiving this written request, before the end of the 5 day period beginning on the date you received from the consumer this written request, the creditor or assignee shall provide me the disclosure of the amount due on any precomputed consumer credit account. Please provide me the statement of the amount necessary to prepay the account in full. I am aware that the amount you will disclosed includes an amount which is required to be refunded with respect to such prepayment, the amount of such refund. I am aware that the written statement is required considering that I am have made this request in writing. It is noted that I, the consumer, shall be entitled to 1 free annual statement each year without charge. XXXX XXXX XXXX, XXXX Without Recourse
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/2020 I was sent a letter stating my loans were XXXX. Also my loans were removed from my credit report last year around XXXX and was false reinserted on my report after doing so. By search of public record this company has no license or authority to do business or try to collect funds in the Territory/State of GEORGIA which I am a resident of.
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Yes sir, In the beginning I was getting a loan and then my loan got sold to a third-party commercial loan. I dont know what status the loan is that its a commercial now or is it federal student loan. I filed for XXXX XXXX bankruptcy protection and under this protection I thought commercial loans would be forgiven can you please look into this for me thank you my bankruptcy finalized XX/XX/2022.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A