Date Received: 2022-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Demand for payment received in attached demand dated XX/XX/2022, from Firstmarkservices. It may be a mistake or a scam. I have responded by attached letter dated XX/XX/2022, demanding evicence of indebtedness. The addressee is a name similar to, but different than, the owner/resident of the address in the Firstmark Services demand letter. Because it may be a " phishing '' misuse of Firstmark services identity, I have decided to open a complaint in order to facilitate avoiding damage to other XXXX citizens.
Company Response:
State: VA
Zip: 22207
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: The student loan account balance is incorrect. It shows balance total on my credit report is {$11000.00}. It should be {$6200.00}. I can not get XXXX XXXX credit reporting to correct it
Company Response:
State: VA
Zip: 24153
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have tried to dispute the validity of this debt since XXXX due to Nelnet garnishing my wages which was a surprise and embarrassing. ( bills attached ) Nelnet and everyone refused to provide any paperwork for the last decade + regarding payments, interest, etc. I had to push for years to get anything. The Nelnet bills only had a current balance. The amount due was {$0.00}. Countless emails and phone calls followed. ( XXXX ). The original debt was taken out in the late XXXX ( almost 25 years ago ) and was paid back about XXXX. I had no receipt for proof due to the age of the debt, over a decade. During that time, I was never contacted by any of the 9 plus debt agencies that took on the loan. This loan generated much interest, far more than I originally owed. During the years of unknown growing interest, I received no phone calls, no emails, and no letters from any one of the collection agencies regarding this ever-increasing debt. 1. Now the complaint and the proof. The Department of Education knowingly denied and prevented me from getting my loan out of default so I can apply for borrower defense to repayment. Instead of applying in time for the lawsuit ( XXXX v. XXXX ) to omit the debt in full, they screwed me over again and kept me from applying. I was late by about 9 days since I applied on XX/XX/XXXX. I didnt know about the lawsuit, or I would have applied default or not. When I tried to apply, I could not email, fax, or use the online form. I had to pay {$21.00} to send it by certified mail. The Dept. of Ed website stated that I could not apply due to the statute of limitations. Then when I bypassed that deterrent, not knowing I could, the total limit on the data upload was XXXX. I had 20 years of data, and that would not work. The fax did not work, and the email bounced back saying that my email would not be read. ( attached ) 2. The Dept. of Ed also didnt want me to succeed in lower payments due to the for-profit school I went to. I sent a CFPB complaint about the Department of Education NOT processing my rehabilitation program ( XXXX File Number XXXX ). They sent me an empty promise email saying they would investigate the issue and nothing more. This was yet another correspondence that meant nothing and will do nothing for me. I sent in the data more than once over 6 months. In all but one case, I sent all as certified mail ( attached ), so I would know if they received the information. One information packet I sent on XX/XX/XXXX without a certified mail receipt attached they denied receiving. The proper rehabilitation program would have kept my payments low due to my medical bills, sick spouse, and the cost of general living. From XX/XX/XXXX to XX/XX/XXXX, the Dept of Ed refused to process my information in time, plus I couldnt speak with anyone that processes this information. Finally, the Department of Education told me on XX/XX/XXXX that I would have to send everything over again since all of my data had expired over the 90-day acceptable period. Every government form, every receipt, everything hadnt been looked at. It took weeks to get everything together in the first place. So just to get out of default, I was forced to send in my 1040, and they processed that very quickly ( about 2 weeks ) and sent me a payment plan I can not pay going forward. a. I have attached the certified mail receipts and the other screenshots regarding this complaint. b. Also attached is the BORROWER DEFENSE TO REPAYMENT APPLICATION plus documents. I have not received a signed certified mail back, and it has been 2 weeks already. I want to ensure that the Department of Ed does not say they never received this packet dated XX/XX/XXXX.
Company Response:
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Servicer changed from XXXX XXXX to XXXX then to Nelnet. Nelnet was not able to provide me with a complete payment history of my loans. Loan payment amount should be over 30,000 dollars and report sent to me showed one payment in XXXX. I have been out of school since XXXX so I know for a fact this is incorrect but no data is available from the previous servicer. The website doesn't even exist anymore. This data should have been transferred with my balance.
Company Response:
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: The organization, sent a mass email to multiple loan holders disclosing private information regarding the status of loans. The sender was XXXX XXXX from Firstmark Services. After a few of us responded that this communication was a violation, she attempted to recall the email with no success. Proof of this email, the responses of the recipients, the lack of response from the company can be provided.
Company Response:
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have applied multiple times for an income-driven repayment plan. I was previously on an income-based plan and was moved to a graduated repayment plan. I am now being denied by my servicer, Nelnet, who is saying that the decision comes from the Department of Education. According to my master promissory note, if my loan is found to be ineligible for an IBR, then I have the ability to have my loan type changed to Direct. In addition, within my MPN, it states that as long as both parties within the joint consolidation loan are eligible for forgiveness, then we are eligible. We are both public school teachers and our employment has been verified. Nowhere in either the MPN nor the rules of PSLF, does it state that joint spousal consolidation loans can not be converted to Direct. I am looking for the specific language that states as much. In fact, my MPN states the opposite, that we are both eligible and can receive forgiveness, AND that we can change our loan type since we were found ineligible for IBR.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i have a collection that shouldn't be on my report. I Was told it would be removed when it was paid but hasn't been removed as of yet. I've tried disputing it. Originally i was never contacted to let me know i owed money. Once i was i paid the balance immediately and they agreed to remove the collection from my credit report since i was never notified. Please help me any way that you can to get this removed. Thanks
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Department of Education / Nelnet : I am no longer connected with Nelnet, for the loan has been transferred to XXXX XXXX XXXX. Also, I would like the Department of Education/Nelnet removed from all my credit reports. It shows negative/Late payment, yet my student loans have been either in deferment and/or forbearance since acquired. Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Company Response:
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Nelnet has not been sending me my annual recertification notices by mail or email. Ive tried both. Ive been dealing with them over a month already since around XX/XX/XXXX just to get my paperwork processed. Still not done. This happens every year and is a struggle. I never even got any loan with this company, it just got sold off to them from the Federal government. Ive been mislead and lied to about these loans from my school XXXX XXXX XXXX XXXX. Nelnet is the worst student loan company EVER! They want me to default so I have to pay a years worth of interest about {$3500.00} added to my balance because paperwork isnt processed on time. Its already happened once from a transition to Nelnet from XXXX!! This happens every year and I do all my paperwork instantly the day I receive it. Have complained so many times to supervisors etc. nothing gets done!! This keeps going on and I have no help to correct this. Every year the same problems with them.
Company Response:
State: TX
Zip: 78411
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A