Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: US DEPT OF EDXXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. US DEPT OF EDXXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and US DEPT OF ED/XXXX. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. US DEPT OF EDXXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Company Response:
State: TX
Zip: 77505
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have been paying this loan of XXXX for over 10 years. Something is wrong! Too much money each month.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX I physically mailed a check for {$5000.00} to my Private Student Loan Provider Firstmark Services. I have done this before and have had no issues. On XX/XX/XXXX, I checked my bank account and see that I have {$10000.00} less in my bank account instead of just {$5000.00} less. I look into it and come to find out that Firstmark cashed my check twice somehow. This can be seen on their payment history as well as on my bank account. On their payment history, the check is cashed twice on XX/XX/XXXX. On my bank account, the check is cashed on XX/XX/XXXX and XX/XX/XXXX. I first call Firstmark Services on XX/XX/XXXX to alert them to the issue. They tell me to send them proof on my bank account that I was double charged, so I do. They immediately fix the issue on their end, so the screenshot of the double charge on my payment history says it is reversed. On XX/XX/XXXX I received an email reply from them basically saying they received my email and they reviewed my account. That being said, as of XX/XX/XXXX I still have yet to be refunded the {$5000.00} that they double charged me for. I have called Firstmark Services a total of 5 times ( a total of XXXX minutes ) since I noticed the mistake : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time I call, I am told that it should be fixed in the next few days. Therefore, that is why I have now called them a total of 5 times. They can not seem to explain to me what the hold-up is and when I shall be issued my refund. They can not even tell me the check number that has been issued because they have yet to write a check to refund me. It has now been a month since I've been double charged without a viable explanation of what is going on. I have also been told multiple times that someone will call me back with more information, but that has yet to happen. On XX/XX/XXXX, I reached out to my bank XXXX XXXX XXXX and they said they would also contact Firstmark Services. I have yet to hear what has come from XXXX XXXX XXXX reaching out to Firstmark Services. Regarding attachments below : I have attached the email I sent Firstmark Services and their response. I attached the original screenshot I sent Firstmark Services of the same check being charged twice. I have attached a screenshot of my payment history at Firstmark Services showing the double charge and the charge on their end being reversed. I have attached my bank account statements for XXXX and XX/XX/XXXX to show the double charge and lack of a refund. I have also attached a picture of my check receipt and my call history to Firstmark Services.
Company Response:
State: MI
Zip: 48071
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/2022 FTC.gov I have notified Nelnet that there are two fraudulent student loan accounts that they are reporting on my credit report. They have refused to update my credit report and remove the fraudulent information. I have filed a federal complaint regarding these fraudulent claims that I have student debt with the federal student aid commission as I did not take out any student loans in the amount Nelnet is reporting on their behalf. I had a student loan in the amount of {$7000.00} and the loan was paid it in full with XXXX XXXX. This information that Nelnet is reporting is outrageous and fraudulent in my name. The two loans that are showing are in the amount of {$76000.00} and {$15000.00}. I have asked the federal student aid commission to investigate the fraudulent claims reported by Nelnet regarding debt taken out in my name without my consent. This has severely ruined my credit. Although I have finally been able to purchase a home, this nonsense has caused a great deal of grief and stress for me.
Company Response:
State: CA
Zip: 91733
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I attended XXXX XXXX XXXX, XXXX XXXX, FL campus from XX/XX/XXXX XX/XX/XXXX. Upon the recruiting and enrollment period, I was misled by Admissions reps and the Director of recruitment about transferability of credits after XXXX from XXXX XXXX XXXX. I completed XXXX years and obtained XXXX degrees from XXXX and none of my credits were transferable to any other college. Shortly after my XXXX, XXXX XXXX XXXX were under investigation for providing fraudulent information about credit transferability, job placement grantees and false loan repayment plans. Recently, ALL XXXX XXXX XXXX campus were closed down by the Federal Government resulting in all degrees from the institute now being invalid. I and many of other XXXX are stuck with loan payments for degrees that are no longer valid. Because the authenticity of my college degrees, my only options for furthering my education is to start over at another college resulting in accruing additional student loans. Without being able to further my education, I am extremely limited to career advancement opportunities resulting in loss of better and fair pay for any future job opportunities.
Company Response:
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Divorce decree awarded all student loans from NelNet to my ex-wife. There should be no debt in my name for NelNet. This is ridiculous.
Company Response:
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My loans show that they are still in collectio/default status. I am currently enrolled in a IDR program with great lakes borrower service.
Company Response:
State: MN
Zip: 55379
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I called and spoke with a Nelnet representative on XX/XX/2022 regarding my student loan. I was confused when I logged in and saw that my loans showed a XXXX balance with Nelnet showing that they received a payment on XX/XX/2022. I called Nelnet to inquire about the status of my loans and was informed by the representative XXXX that my loans had been paid in full and forgiven under the PSLF. I inquires and ask her multiple times to be certain since I informed her that I thought my loans were being transferred to XXXX. I repeated several times, are you sure? I couldn't believe what I was hearing and started to cry. She assured me that my loans indeed had been forgiven, and that was factual. She said she was sure. When I got off the phone, I called my mom and family to inform them of the update. I decided to call back on XX/XX/2022 to check again. When I inquired this time, a representative told me that my loan had not been forgiven but paid off and transferred to XXXX. I was devastated. I ask to speak with a supervisor and was informed that a complaint was being filed against the representative to be corrected. The defamation and willful injury my family and I have experienced are tremendous -To find out my loans have not been forgiven through Public Service Loan Forgiveness was emotionally and mentally devastating. The representative told me I had nothing to worry about my loans were no longer I now had financial relief.
Company Response:
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A