Date Received: 2022-09-27
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: I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Company Response:
State: SC
Zip: 29420
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am having misleading information being provided to me by my student loan servicer Nelnet. I called them on XX/XX/22 regarding my fund of payments I made during the pandemic. They quoted me 4-6 weeks until I get the money back in my account. This is going on week 5 of this, and my balance hasn't even been reflected in my Nelnet account. I have called them multiple times, and they have no updates for me. I have also been told two different things regarding how I was going to be paid back. One person said that it would be paper checks, and another representative said it would be direct deposit. I am tired of this being the 5th week now, and there isn't a single update or anything reflected in my Nelnet account. I also don't like the two different answers regarding on how I am going to be paid back. The chances of my getting my money back within the a little over a week now are highly unlikely if it is being returned via a paper check like I was originally told.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This is my third complaint to the CFPB about Firstmark, which continues to misapply my minimum due payment to individual loans. After the second CFPB complaint, Firstmark changed its website so the borrower could choose to apply their monthly payment to individual accounts as they saw fit OR just make a lump payment and Firstmark was to distribute that payment among all loans so that they were all in current status. In late XXXX, Firstmark stated that they cleared up my account and made sure all my accounts were current. My monthly due payment is always {$440.00}, typically I pay {$470.00}. Last month ( XX/XX/XXXX ) I paid {$500.00} and when I attempted to make my XX/XX/XXXX payment today, Firstmark 's minimum due balance shows {$500.00}. I contacted Firstmark and the representative told me that an individual account ( XXXX ) was not paid in XXXX, XXXX. I explained that I selected the payment option that gives Firstmark one monthly payment and Firstmark is to process that payment among all loans so that they are current. I did not select or give consent for Firstmark to overpay some individual loans and ignore others. The representative sounded a little bit confused. She kept asking that I make the additional {$89.00} to cover the delinquency on the account. She also mentioned another account - XXXX - as having an issue. I explained that the problem with making an additional payment ( {$89.00} ) beyond the minimum due ( and beyond the normal overpayment I typically submit ) is that it suggests Firstmark can continue misapplying my monthly payments and then expect me to fix it with an unexpected higher amount. Firstmark can not make a mistake in processing my payments, then go back to me, the customer, and seek more money as if I budget an unlimited amount every month to cover Firstmark 's mistakes, thereby also jeopardizing my credit. If the minimum due is {$440.00} and I make $ XXXX {$500.00} every single month, there's no reason why this month I should owe {$500.00}. Over the phone today I made a {$500.00} payment and asked the representative to make sure Firstmark understands that this is an overpayment I make so that I'm paying my loans quicker and that it does not mean that individual loans should be overpaid while others are ignored. I further stated that I expect my XX/XX/XXXX minimum due balance to be {$440.00} and that any outstanding amount is caused by Firstmark for misapplying my monthly payment among my individual loans. I am not sure if she entirely understood, but she did say she'd put my comments in the notes for the processing team and confirmed my monthly payment in XX/XX/XXXX will be {$440.00}. I'm submitting this complaint for the third time based on the fact that Firstmark has taken my monthly amount and ignored specific loans creating delinquency, then seeking higher amounts in subsequent months. This was to be resolved with the first two complaints stemming from issues that arose in XXXX, but it appears that they did not in fact resolve this problem and there is an account ( s ) ( XXXX? or XXXX? ) that they ignored and are seeking payment well above and beyond the minimum to cover this mistake.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2022 I submitted a complaint against my Student Loan Service provider, Nelnet, to the Consumer Financial Protection Bureau ( CFPB ). My original complaint number was XXXX. On XX/XX/2022 Nelnet responded to my complaint with another Nelnet customers information. Included in this information was the customers name, address, partial Nelnet account number, and balance of their student loan amount. The Nelnet letter was signed by XXXX XXXX Nelnet Loan Servicing. My concern is that another Nelnet customer might have my personal information. I responded to Nelnet response, as feedback, to the CFPB complaint stating Netnet did not address the issues I raised in my complaint. After I submitted this feedback my complaint had a status as Closed. After seeing the closed status to my complaint I called the CFPB and spoke with a person at CFPB who identified himself as XXXX. He stated he could not give me identifying number so I could reference my call with him. With XXXX help I better understood the letter that was entered as my response to my complaint. XXXX only suggestion was to enter a second complaint against Nelnet. I told him of my displeasure that I needed to start the complaint process over again due to a Nelnet error which submitted Nelnet response to the wrong complaint. XXXX said there was nothing that could be done except to issue a new complaint. My original complaint follows this statement. Nelnet failed to act on my application for Teacher Loan Forgiveness for over a five month period of time. When I call Nelnet to obtain status on my application I receive conflicting / inaccurate information. Nelnet refuses to provide me email / written communication on the information received verbally over the phone. I have been unable to find any information from Nelnet describing their Teacher Loan Forgiveness process and any communications I should receive during this process. On XX/XX/2022 I faxed my Teacher Loan Forgiveness Application to Nelnet using the following number : XXXX. Upon completion of the faxing process my Fax machine produced a transmission verification report stating the fax result was OK. This means the Nelnet fax machine indicated the fax was successfully received. On XX/XX/2022 I called Nelnet because I had not received any communications from them and I wanted to verify the FAX had been received and was being processed. I talk to a gentleman at Nelnet who confirmed the fax had been received and ask me questions about some dates on the application. These questions confirmed my belief that Nelnet had received my application and was processing it. On XX/XX/2022 I again called Nelnet about my application since I had not received any communications from Nelnet about my Teacher Loan Forgiveness application. I was told by the representative at Nelnet that my application was in process, but they were unable to provide me with any additional information. On XX/XX/2022 I called Nelnet looking for status on my loan forgiveness application. I was told by the Nelnet person that they had looked at my account. They told me that no Teacher Loan Forgiveness Application was ever submitted. I asked to speak with a supervisor. While speaking with the supervisor I was told that the application was found and no action had been taken on the application. I told her of my displeasure with the current state of the application and said I did not want to begin the application process over from the start. Unfortunately the only thing the supervisor did was submit the application to the Nelnet claims department to begin processing. She told me it may take up to two weeks for Nelnet to process. I asked the supervisor for an email or written communications stating the events of XX/XX/XXXX and the current state of my application. I was told Nelnet does not let employees send an email or any written communications. My last request was that I was concerned that because the Department of Education has up to 90 days to act only my application, once it is submitted to them ; I did not want to pay interest on the amount of the loan I am requesting forgiveness. She told me there is a way of coding the application so I would not pay interest of the amount of my student loan I am asking forgiveness on until a final determination on my application was made. I would like this coding applied to my application. I am requesting that Nelnet provide me a full accounting of this incident. I would like a written explanation of the Teacher Loan Forgiveness process. I would like someone assigned at Nelnet to monitor my application and expedite it where possible.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
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 account 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 this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I aquired about {$34000.00} in federal student loans with Nel Net, from attending XXXX XXXX and after consulting with a Credit Repair Attorney and Credit Analyst, I learned that I have XXXX accounts with Nel Net. Each account is showing that I have 10 late payments, with a total of 90 late payments combined. They are showing on my credit report as negative accounts and it is heavily impacting me and my credit. I placed my loans on forbearance due to economic hardship and while my loans were on a forbearance status, my student loan company kept on reporting my payments as late payments to the credit bureau in XXXX, XXXX- ( 90 days late ), XXXX- ( 120 days late ), XXXX ( 120 days late ), XXXX ( 120 days late ), XXXX ( 120 days late ), and in XXXX XXXX- ( 120 days late ) and again in XXXX XXXX- ( 90 days late ), XXXX- ( 120 days late ), XXXX- ( 90 days late ), XXXX- ( 120 days late ). I placed my loans on forbearance a few times and each time I would do so, I would place my loans in forbearance status over the phone with a representative because I did not have immediate access to a fax machine or computer. I would also ask what I needed to do on my end to make sure I wouldn't fall into a negative status and their response was to continue to call back. Nel Net did correct some negative reports and I really appreciate what they did but after learning of the new negative reports, I am asking and begging Nel Net to please remove the negative reports off of my credit. It is really impacting me personally and mentally, there is a very high chance that I will need to move out of my curent home with my children and move into a relatives home because I can't afford to pay a high deposit rate due to my credit that is being impacted by the negative reports from Nel Net. I've asked Nel Net to please help me out and they state they can't do anything for me but to file a dispute with them. They also stated I was not eligible for the forbearance program because my time on the program expired and I was not informed of the situation.
Company Response:
State: CA
Zip: 93906
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Hi, I contacted Nelnet last Wednesday ( XX/XX/XXXX ) to ask my request for a refund that was made during the Covid forbearance. They keep saying my refund request is still processing, but not giving me any detailed information about that. It's been almost five weeks since I first contacted for a refund ( XX/XX/XXXX ) but still no updates on everything.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I presently have reported that I have a stalker and it is documented with federal agents. We have military and former FBI agents that have been altering and doing identity theft since XXXX in my accounted. My address was XXXX XXXX XXXX XXXX XXXX, Ca XXXX mailing address is XXXX XXXX XXXX XXXX Ca XXXX. I am in XXXX, IL and I am presently being stalked and harassed as documented on TV. I am unable to work due to this as they are a danger to the community. These are 8 FBI agents that have been fired from California in XXXX to present. Attempting to get us to change or statements and all evidence we have collected from their false investigation caused by community sell or give to Arizona as known to the school named as they had some on their campus.
Company Response:
State: IL
Zip: 62703
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
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: My student loan account is reporting a late payment on 9 different accounts during the time of COVID. I reached out to the Credit Bureaus no update o even emailed the the CEO XXXX on XX/XX/XXXX who stated that they cant have the account updated. According to the Student Aid website loans are paused with 0 interest. I have never been late on my payments always been in deferment. Please provide me with an update
Company Response:
State: NY
Zip: 14227
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am the cosigner of my son 's ( living with me ) private student loan provided by the XXXX XXXX of Maine ( State government agency ). During the pandemic, my son 's studies were ( and still ) interrupted due to him not being able to continue with his FAA check rides due to social distancing and being in a cockpit. Since " studies '' have not resumed for this duration, I am assuming perhaps this was the trigger to begin repayment. With student loan suspension, student loan forgiveness, and the fact my son 's studies have " suspended '' and not halted, the schedule of when student loan repayment obligations would begin was a mystery. No notice had been communicated to me or my son ( although FAME stated Firstmark claimed they did ), and I began to receive " cold call '' type inquiries from a company called " Firstmark Services ''. They would call, and announce it concerned " my '' student loan. Inquiring as to what they were concerned about ( at this point, I have no indication this is not a sales or phishing call ) that ask for my social and/or date of birth. I tell them that I am not about to divulge this information over the phone, especially since they can not provide one piece of information that validates they are talking about a " real '' subject they have a right to talk to me about. I have had no information that Firstmark is anybody we have ever dealt with or did I know that they were FAME 's servicer. Just as when I closed my refinance of my mortgage, I was deluged with calls claiming they need to talk to me about my mortgage. Cold calls to sell me on insurance, due to the fact of the public nature of my loan. These borderline fraudulent type calls appear common and accepted as of late. I told them multiple times to mail me, if they expect me to believe this is an official communication. One call they claimed it was my loan, and I did hang up since it is not and with the wrong name. I eventually received a " NOTICE OF RIGHT TO CURE '' letter.. one that contains strong language describing the urgency of the situation. I went to the FAME office to inquire, and they informed me at that time that Firstmark is their servicing company. My son did contact them, and attempted to establish automatic payments from his bank account. These " automatic payments '' rarely continue month to month, and I appear to receive my son 's billing notifications through my own personal email. They have failed incredibly bad on keeping payments, contact information, and credible notifications timely, organized and retained. I have no doubt, despite their severe negligence on keeping things straight, that they have made a mess of both my ( cosigner ) and my son 's credit report, and I have no trust they have their record keeping straight or accuate.
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A