Date Received: 2022-08-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I submitted a claim to this bureau in XXXX, XXXX. I just received a response today that my complaint has been closed. It wont let me open up a new complaint on that account. Nelnet has reported me XXXX days late on XXXX accounts. I have disputed this issue with them, and they claim that I was already XXXX days late at the time of recertification of my IDR program. I informed them that every time that I have logged into my online account, it stated that I was in the IDR plan and that no payment was due on my account until XXXX XXXXI told them this and sent pictures showing my online account. They said they updated that after receiving my IDR recertification. Which was impossible, because I had not sent it in yet. After disputing this with Nelnet and Consumer Finance, they sent a letter stating that they had used the IDR recertification that I completed through student aid.gov on XX/XX/XXXX while applying for student loan consolidation. That would be fine, but the date still had not changed and updated like they had said. I had also sent one directly to them and when I called a week later, after I had sent it on XXXX XXXX, they said that they were still processing the application and the original date online stating that my payment was not due until XX/XX/XXXX was still in there. After finally processing my application, the date changed on my online account and it now stated that my next payment was not due now until XX/XX/XXXX a year later than the original picture that I sent in showing my account and the account that they said they updated after I filled out the consolidation application on student aid.gov. This loan consolidation still has not been processed and they used that recertification immediately to say that I was already XXXX days late when completing the new recertification. Even though my online account never showed that. Im also including a picture of the date of the application completed on student aid.gov along with another full application completed that I did not consolidate with, because servicers were still waiting on guidance on how to deal with the loan consolidations of possible IDR and PSLF loan forgiveness programs and I was told to wait a little bit longer so that I didnt lose any options of possible forgiveness. So that student loan consolidation was completed on XX/XX/XXXX within a month before Nelnet claims that my recertification was set to expire and I needed a new one. Why did they not use the IDR recertification submitted with that application as well like they did in XX/XX/XXXX while claiming that I was over 90 days late on my XXXX accounts? It clearly shows in the student aid.gov site where I completed both applications and submitted them, including the use of the IRS data retrieval system. In the last 8 months, I have filled out XXXX IDR recertifications and yet they report me late, and demolishing my credit by XXXX points lower! On student aid.gov it said before I even applied for consolidation that my IDR was good until XX/XX/XXXX and I was not due for recertification, it also stated later that recertifications were being extended out and no recertifications would be due until XXXX of XXXX. All of my loans are either FFEL loans or Direct loans, of which I originally qualified for the moratoriums and the XXXX percent interest. On student aid.gov it shows XXXX percent on the loans serviced by Nelnet, but on Nelnet they say Im being charged interest and after speaking with them, not online, because that said none were due, but they told me that I was 90 days past due after I saw it on my credit report. I have not changed or done anything to even one of those loans. So they have an IDR from both of my student loan consolidation requests, and it showed not due, but now Im late? Why would they wait 90 plus days to report me late but the months prior they reported me current? Instead they reported XXXX accounts XXXX days past due in one false swoop for a whopping XXXX missed payments, without any time to react to their original claim of 30 days or 60 days past due. At least I could have straightened their records out at that point and proven that I sent in the IDR on XX/XX/XXXX before it expired in XXXX. So between the 3-4 IDR recertifications the erroneous online account information that they say they changed after receiving the application which it did not reflect that because when it did, it was a year later, the not reporting me late to the credit bureaus until what they deemed 90 days past due, and the probability that I still qualify for the moratorium on my accounts, I just want my credit report updated to show no missed payments, current and a history of no missed payments like it was before this situation took place and they hit me with XXXX missed payments on the XXXX accounts. This is the right thing to do. Even if they could explain one of the situations, they cant explain all of them. I just want them to fix the mistakes that they made reporting me as delinquent, abd make me current. I am current with them now, but my credit report needs to reflect the corrected information. No one seems to actually investigate the situation or the proof that I have enclosed and they just keep giving me blanket responses that are riddled with errors and misinformation. Thanks for your time and consideration involving this very important matter and hopefully we can fix it. Im downloading the pictures and information that I have proving their claim to be incorrect and proving mine to be correct. Even if they could explain one issue, there is no explanation for all of them.
Company Response:
State: WI
Zip: 545XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Firstmark Services has the allocation of payments to be as follows : fees first, interest second and principal third. I payed {$50.00} over my minimum payment and firstmark did not put that {$50.00} towards my principle they put it towards my next minimum payment. I have reached out to them twice with absolutely no response. Firstmark is not honoring their agreement on how payments will allocated.
Company Response:
State: TX
Zip: 76135
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX continues to report NELNET has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both XXXX and NELNET know the school loan was in deferment and the information has been reported to XXXX. I am being harassed by both XXXX and NELTNET regarding my school loan data. My Credit report is required to be updated by XXXX and return my XXXX points. NELNET has had my school loans since XXXX. If another agency like, XXXX is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to Federal Student Loan account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from mXXXX XXXX XXXX due to the cap of XXXX put on Federal school loans by the Republican Congress in XXXX. I have been trying to resolve this issue for 2 years. Both XXXX and NELNET refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former XXXX now servicing school loans as Conduit. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my Federal Student Loan account.
Company Response:
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: FirstmarkXXXX does not process loan payments correctly. I pay a small amount on the loan each day, to pay off the daily interest and some of the principal. I pay the amount at the same time in the morning of every day. The company does not process the payments in the same way every day. Sometimes I am charged random interest, on top of the daily interest. When the loan was owned by XXXX XXXX I did the exact same payment plan- never had a problem. This has been happening since 2020. I can not get the company to remedy the situation, and I am owed XXXX of dollars in interest that Ive been incorrectly charged and paid.
Company Response:
State: NC
Zip: 27502
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom It May Concern, NELNET/US DEPT OF ED/XXXX # XXXX Opened On XX/XX/2010 Account Status : XXXX XXXX Loan Showing Past Due : XXXX This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior request for validation of debt ( proof, attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware. Estoppel by Silence legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom It May Concern, NELNET/US DEPT OF ED/GLELSI # XXXX Opened On XX/XX/2010 Account Status : Open/ Education Loan Showing Past Due : XXXX This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior request for validation of debt ( proof, attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware. Estoppel by Silence legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have requested for nel net and dept of education to change the balances on the loans I have a XXXX discharge. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.
Company Response:
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have requested for nel net and dept of education to change the balances on the loans I have a XXXX XXXX. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.
Company Response:
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I tried to get loan forgiveness in the past I was denied. Had this loan for over 13yrs+. Seems like no way of any assistance or help with debt loan forgiveness.
Company Response:
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have an on-going complaint being resolved with XXXX XXXX XXXX for defaulted my loan without any cause. However, now that it is in the transition phase of being resolved, I am having issues dealing with the loan servicer XXXXXXXX XXXX uses for their loans, FirstMark. I have tried to reach out and get them to reinstate my deferment, since it was wrongly taken away with no reason. My payment was due yesterday and now they have marked it as late and charged me for something that was never in my control.I have also reached out to XXXX XXXX hoping they could mediate, since it was there mistake in the first place. They have not responded to me. I should not be penalized for two collaborating companies and their lack of communication and documentation on the problems they created in the first place.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A