Date Received: 2022-10-07
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: The company failed to comply with XXXX benefits during XXXX XXXX and continued to increase my interest rate up to 10 % while on XXXX XXXX for the XXXX XXXX from XX/XX/XXXX until XX/XX/2022. I have submitted appropriate documentation and requested a refund for the substantial difference but have not received an adequate response from loan servicer FirstMark Services.
Company Response:
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: The issues have been ongoing since making the decision to do the spousal consolidation years ago. The loan was first serviced by XXXX and then Nelnet ( present servicer ). After the spousal consolidation, we divorced. For years, over 12 years, I have attempted to obtain specific details on the loan. Years of calls to both providers and being told that I have no rights to obtain information on the loan ( MPN, payment history, loan details in terms of what was mine and what were his at the time of consolidation ). I am told that he is the " primary borrower '' and I am a " co ''. I have asked repeatedly how I am held accountable for the loan and how it ends up on my credit report when he does not pay his half payment monthly per our divorce settlement agreement, which has no weight in any of this disaster. My ex-husband has been permitted to defer the loan multiple times without my signature or even notification to me by the providers. He has missed multiple payments which have resulted in additional interest, putting me further in debt to this loan by increasing the outstanding balance, etc. I have had ZERO rights yet I am held responsible by these providers. I have paid my half of the monthly payments continuously which Nelnet last verified for me on the phone on XX/XX/22. I asked for the documentation stated above to be mailed or emailed to me. I have been told that I can not have it because I am not the primary borrower. I have no access to the online account and have been denied this ability. I was told on XX/XX/22 that my ex-husband reported to the provider he is in the process of consolidating. How can he do any activities without my authorization? I want Nelnet to finally release all records to me involving payment history, the XXXX, and documentation of the loans prior to the consolidation in order to know what I brought into the join consolidation. I have worked for the XXXX XXXX XXXX for over 18 years and have no ability to apply for forgiveness. I receive a statement monthly, which was not for the duration of time they were involved, and can only see that he is not paying. I have every right to the information since I can be held liable and have continued to make my half payment the entire time. I have kept all of my notes for years in the event I can file some type of lawsuit. Please help me.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Called Nelnet originally on XX/XX/2022 requesting a partial refund of {$5200.00} from a loan with a total balance of {$9100.00}, that I paid off during Covid. The agent went through the entire process with me, where I gave verbal permission for the refund, in addition to, all of the other varying information that was required. That agent informed me that my refund would be reviewed and I would receive it within 4-6 weeks, going on to say that it wouldnt be longer than the 6 weeks. Lastly, the agent informed me that someone from Nelnet will be reaching out with further information and confirmation between my initial call and three weeks from then. Having not heard anything from Nelnet in the four weeks, I called again today XX/XX/2022 to confirm that my refund was being processed and that I didnt miss the call or communication on their end. The agent I spoke with today told me that it was strange that my refund was taking this long and it didnt appear that I needed to do anything further for the refund to be processed. Upon asking when I would be receiving the refund the agent informed me that it would be at minimum 30 days, but most likely closer to 60 days from today 's XX/XX/2022 conversation. The agent was unable to confirm where my request was in the overall order of requests, or if they were able to process it sooner, in hopes of receiving the return within the initial 4-6 week that was quoted.
Company Response:
State: NY
Zip: 14127
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Okay Eye just got off the phone with Great Lakes/Department of Education regarding student loans and XXXX admitted that no Man or Woman representing Great lakes/U.S. Department of Education were present in the event that the contract/partnership/agreement was made which would constitute a meeting of the minds regarding everyone who's involved in the partnership. She also admitted after being asked who's been making payments towards the account if the Man who attended XXXX XXXX XXXX has not made one payment toward such account yet the account is paid up in good standing? She admitted that there could be fraudulent activities as she can be heard looking into the records themselves. This constitutes from the representative of Great Lakes/U.S. Department of Education own mouth that there's not only fraud and that they are the borrowers of the credit which was extended to them but there's proof of failure to validate pursuant to 15 U.S.C. 1692g that the Man whom they've made claims owing a debt does not owe such debt and that Man is actually owed back the credits which Great Lakes/U.S. Department representatives borrowed. No truth in lending disclosures can be found in the promissory notes, contracts/ agreements or partnership nor were there any disclosure pursuant to 15 U.S.C 6802 to opt out of financial institutions not disclosing personal information to a non-affiliated third party. The XXXX XXXX best explained the justification for the mutually exclusive approach in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, where the court found that a company that acquire [ s ] [ performing ] debt [ and ] continues to service it is acting much like original creditor, whereas a company that acquires defaulted debt must have acquire [ d ] the debt for collection [ and ] is acting more like a debt collector. To justify this approach, some courts look to the exception in F.D.C.P.A 's definition of " creditor '' and find that any person who receives assignment of an account in default is doing so solely for the purpose of facilitating such debt for another. Even if the entity owns the4 debt and is thus the person to whom the debt is owed, these courts find that the exception takes them out of the definition of creditor because the debt was originally owed to another. See XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2008 ) ( finding that the definition of creditor excludes those who acquire and attempt collect a debt in default.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a phone call saying they were with the student loan forgiveness program at about XXXX XXXX today from XXXX. The call said they were with the department of education at first it was a lady that said she just needed to ask a few questions to be sure I would qualify for loan forgiveness she asked me if I owed more than XXXX in student loans I answered yes she asked me if I was still enrolled in school I replied No and she asked me if I was currently working and who with I replied yes and the XXXX XXXX. She said okay I'm going to transfer you to my case manager so then a man got on the phone and he started to tell Me about the loan forgiveness program and I said ok how do I find out if I qualify he said first I need you email address which I gave to him then he asked my date of birth I gave that to him and he said ok thre is a code being sent to you to verify your phone number but I saw in the text it was coming from FSA and knew he was trying to reset my password so before I hung up I told him No that I knew he was trying to reset my password and I would be reporting this to the authorities.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have sent in two applications one of which is attached for an income driven repayment plan and the lowest possible payment because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They continue to not provide me clear answers Nelnet continues to ask me for documentation for income when I don't have any income they continue to ask me questions that are answered on this application and then they continue to reject these applications for a variety of reasons none of which are ever clear. I have also requested in writing any payments made after XXXX of 2020 to be reimbursed to me and they have not reimbursed those payments. They tell me there is no form to fill out which there is they tell me there is no evidence that I have requested this when I keep requesting evidence that I'm requesting this money be returned and they continue to jerk me around. Enough is enough.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I continued to make payments throughout XXXX on my student loan of XXXX. I called in to Great Lakes Higher Education Corporation my Student Loan service provider to have my payments toward my XXXXXXXX XXXX refunded to me on XX/XX/XXXX. I was informed by rep that the request would be process within a week or 2. When I noticed 2 weeks go by I called in. Then the information changed to that it could be up to 30 days to process refund. I emailed Great Lakes again on XX/XX/XXXX and received an email back on XX/XX/XXXX that now I will would not receive until 45 to 60 days. Each time I have contacted them the date continues to be pushed back. I have been waiting for over 37 days now. I have recently been impacted by Hurricane Ian and this refund will help resolve some of the financial hardships I am going through. Thank you for any help with this
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX on total XXXX and have been this way since 1990 unable to work. XXXX XXXX said that I would not have to repay the XXXX loan for my daughters education. They lied about removing this from my credit report and I just want this to go away once and for all. My health has gotten worse since my daughter has attended that school ( they are out of business!!! scamming folks out of the careers they promised ). I wished my daughter never went there to better herself.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
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: The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. DEPT OF ED/NELNET XXXXXXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been paying my XXXX loan for 15 years straight, without being late on a payment. I'm desperately seeking to get Biden 's student loan forgiveness. Once, I heard about the loan forgiveness, I started emailing Nlenet right away to get as much information. I have emailed them since August-now. Sometimes, they don't even reply. When they do, they never answer my questions directly and just tell me to go to the Studentaid website. I consolidated with Nelnet back in 2007. My loan begins with the letter " J '', and what I have read doesn't qualify for forgiveness. It seems like they have robots working over there. They have not helped me once. My interest has been the same for 15 years. Should I default on my loan now, so I can get forgiveness? My patience is running thin with Nelnet. I'm an English teacher in XXXX XXXX and this loan has been weighing me down for years. I still owe over {$26000.00}. My loan started at {$55000.00}. Thanks
Company Response:
State: FL
Zip: 32127
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A