Date Received: 2022-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've contact XXXX on an account that was closed due to non-usage. The company closed this account because I didn't use the card on a regular basis. not because of payment. I would like this to be removed it has a negative impact on my credit. XXXX XXXX did the same thing back in XXXX XXXX this is also reflecting negative on my report. XXXX XXXX closed the account because I wasn't making purchases on a regular this also needs to be removed XX/XX/XXXX XXXX XXXX XXXX another credit card with increase line of credit, and they closed the original account which also affected my XXXX XXXX. XX/XX/XXXX. This need to be removed. Not just XXXX account but XXXX. XX/XX/XXXX This is crazy on their behalf. XXXX XXXX XXXX Closed the account for the same reason. XX/XX/XXXX You can see all these accounts have XXXX balances. XXXX XX/XX/XXXX also closed for not using the line of credit. XXXX XXXXXXXX XXXX XXXX same issue. XXXX balance and closed account XX/XX/XXXX XXXXXXXX XXXX closed when it should reflect account paid in full. XX/XX/XXXX, All these accounts are reflecting my credit score negatively and need to be corrected. Department ED/XXXX XXXX XXXX closed with XXXX balances need to be removed again negative reflection on my credit report. XXXX account closed. Please remove. All XXXX XXXX XXXX XXXX closed and XXXX balances. Please remove. again negative reflecting on my report. Nelnet accounts closed. XXXX balances. Please remove from report. This is very sad and disturbing. Dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX closed XXXX balance XX/XX/XXXXXXXX XXXX Closed XXXX balance XX/XX/XXXXXXXX XXXX closed XXXX balance XX/XX/XXXX Please Remove these items that is causing all sorts of credit problems Thank you. I've tried to have these removed with no luck!
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has Violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: IL
Zip: 60099
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XX/XX/XXXX, I requested a refund on the eligible refundable amount that was paid during XXXX. The amount totaled to {$12000.00}. The loan balance on the accounts has been updated to reflect this amount, but I have not received any refund. I was told I would receive a check in the mail. I have called the loan servicer, Nelnet, and was not advised on what to do and was told that the Department of Education is dealing with it.
Company Response:
State: TX
Zip: 76116
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am XXXX XXXX XXXX. I provided a copy of my orders to FirstMark. I have been on XXXX XXXX since XXXX. I still make payments to FirstMark. Ive payed them over {$2000.00} in the last month. ( XXXX thru XX/XX/XXXX ) and over {$30.00}, XXXX in last two years. They improperly took me off military status and have been calling me every day for the past month. I resubmitted my orders, but they still call. They are threatening to report me to the credit bureau. A report to credit bureau compromises my security clearance and is actionable under XXXX. I need immediate assistance. I will contact my local congressman if this is not immediately addressed by CFPB.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: They took my refund loan money great lakes or current I would like my money returned
Company Response:
State: GA
Zip: 31768
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1.ZERO OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
Company Response:
State: FL
Zip: 33860
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
Company Response:
State: FL
Zip: 33860
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I took out a student loans in 1994. I consolidated later and my loans were no longer with Nelnet. While my loans were with Nelnet they illegally charged me a XXXX interest rate when the federal cap was XXXX. I reached out to Nelnet and they did nothing. I reached out to the Ombudsman and although she agreed what they did was in violation of Federal law, she said I had no recourse since I had consolidated my loans.
Company Response:
State: NE
Zip: 68106
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2022, I reached out to my student loan provider, Great Lakes, to request a student loan refund. The first representative to assist me said I qualified for a refund amount of {$17000.00} and would process the request as soon as possible. She explained that I would have to wait 8-10 weeks before seeing the refund appear in my bank account. After 10 weeks, I received no refund so I called again on XX/XX/2022 and requested a second refund. The second representative I spoke to confirmed that I still qualified for a refund amount of {$17000.00}. She told me that they had a new streamlined process and recommended I request my refund AGAIN and hopefully get it sooner that way. They told me it should be a 60-75 day wait, that I should check my FSA account for updates, and it should be deposited to my bank in a few weeks. On XX/XX/2022, I called again since I received only some of the promised refund amount through separate checks in the mail rather than through direct deposit as was initially told to me. Frustrated and concerned, I reached out if this was normal and when I should expect to receive the rest of the refund. The third representative I got ahold of told me this is common and he is unable to provide a timeline, but that I should continue to call Great Lakes. It is now XX/XX/2022 and Great Lakes and the US Treasury still owes me a refund amount of {$14000.00}. I would greatly appreciate if the CFPB can assist me in holding these agencies accountable so that I can get my refund amount. I understand that a refund does not mean forgiveness, but it would help if I could get this refund since these entities promised a specific amount and never delivered. I am especially annoyed with the customer service since I was told different things and it felt like the representatives sole role was to create confusion and not make things convenient for clients like me. Also, they made my loan amount larger on my student loan account making it difficult to tell how much I actually owe. I understand they have to reopen the loan to refund me, but the loan amount does not even reflect the {$17000.00} they promised. Attached below are a screenshot of my portal with Great Lakes and also the checks I have received thus far from the US Treasury totaling {$2700.00}.
Company Response:
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: dept of ed nelnet XX/XX/XXXX XXXX for the amount of {$4200.00} they put this into collection when it was already paid for. it reflecting on my credit and its making it hard for me to get any loans or help. how could i remove this collection off of my report.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A