Date Received: 2022-03-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Firstmark is servicing a Parent Plus loan through XXXX XXXX. This was a federal loan that I refinanced in XXXX. In XX/XX/XXXX, I refinanced that loan again through XXXX. On XXXX XXXX, XXXX, XXXX wrote to confirm that it had sent an electronic payment to FirstMark for the full payoff amount of the loan. As of XX/XX/XXXX, FIrstmark has not applied that payment to my account. They are still demanding payments and accruing interest, even through the loan was paid off more than 35 days ago. XXXX has taken its time to respond to me, but on XX/XX/XXXX called to tell me they have confirmed that Firstmark received the electronic payment and they have continued to contact/escalate with FIrstmark to get the payment applied to my loan. I have now had to make a double payment on the loan to avoid a mark on my credit report. I've called Firstmark but their customer service won't provide any informaiton other than to say that they can't confirm whether or not the payment has been received until it is credited to my account. Firstmark is being negligent and untimely in closing out this loan to the point that it has had a detrimental affected on my finances.
Company Response:
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account should show paid/ never late and closed. Instead nelnet continues to fabricate their quest to update the information however they have not does so for six accounts. CFPB consumer financial protection bureau has contacted this company requesting an immediate update, to no avail. Nelnet writes a letter stating they will make corrections but has never done so and has refused to update the credit Bureaus
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Account # : XXXX Account # : XXXX These accounts have been determined that they do not belong to me yet you still continue to report this inaccurate information to my consumer report.These accounts do not belong to me. The name these accounts are addressed to is not my name. This fact alone is enough for above mentioned accounts to be deleted, but they are more inaccuracies found. I called XXXX rep, and asked for fraud department. After being transferred, I was told I have to send in a picture ID and bill even though rep located both mentioned items in their agency 's database. I was told I have to resend my ID and bill no matter what. XXXX has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer. On XX/XX/2022 I sent a notice via USPS certified mail demanding deletions of above mentioned accounts. Enclosed is a copy of my California state issued ID, and a copy of a bill statement to establish my accurate residency. Also enclosed is my consumer reports where I point out that the fact that XXXX is furnishing inaccurate information from debtor name CHILD SUPPORT ENFORCEM to my consumer report under Account # : XXXX. While the debtors name XXXX XXXX is furnishing to my consumer report is under XXXX XXXX ( Account # : XXXX ). XXXX recently deleted the account named under XXXX XXXX XXXX., Account # : XXXX. XXXX XXXX refuses to update my personal information even after providing them my California state issued ID and a bill statement containing my up to date address. XXXX is unlawfully furnishing Account # : XXXX DEPT OF ED/NELNET, and is the only CRA reporting this inaccurate informationXXXX and XXXX has XXXX DEPT OF ED/NELNET item from my consumer report. XXXX has been made aware many times in writing by me, a consumer, about the FCRA laws they are violating and the agency chooses to ignore the law. See attachments. These accounts are not assigned to my name making my consumer report inaccurate. If by some chance this alleged debt belongs to me, which I highly doubt it!!, NELNET has never produced items pursuant to 15 USC 1692g ( b ), which I requested multiple times. I am making complaints with the CFPB, FTC, XXXX, CA and PA state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.
Company Response:
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had no idea loan amounts would be this large and would be for this amount, the school job rate after is awful this degree they say there is nothing that can be done getting a degree here was too expensive with no help to obtain a decent job
Company Response:
State: MA
Zip: 01841
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Starting XX/XX/2022 I submitted an application to remove a co-signer off my student loan. I submitted the completed application with my pay stubs. Approximately 2 weeks later on XX/XX/XXXX, I was notified my paystubs were not sufficient since my employer was not listed and I would need to submit a W-2. On XX/XX/XXXX I was noticed my application needed my phone number and gross monthly income. I once again resubmitted my application. On XX/XX/XXXX I was notified I needed to submit a copy of my social security card even though the application asked for either my account number or last 4 of my SSN. Later the same day I was told I needed to show proof of income which was already sent on XX/XX/XXXX. XX/XX/XXXX, I was told I needed to validate my physical address and today XX/XX/XXXX I am being told my application is missing my gross monthly income. It has been a never ending cycle with this company and I just want to get the co-signer off the loan.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Good afternoon, I am submitting a complaint against the student Loan Company Nelnet who serviced my student loans from XXXX to XXXX while I attended the University XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California. During my time as a a student at XXXX XXXX, I was never informed of possible Loan repayment options such as Income Driven Plans or the Public Loan Forgiveness Program, which has been on the news under President Biden 's administration. Millions of students are drowning in student debt according to recent stats. US student debt has increased to trillions of dollars due in part for predatory practices used by student loan companies such as XXXX, Nelnet, etc. I worked full time for XXXX XXXX XXXX Department of Public Health in XXXX XXXX XXXX as a XXXX XXXX in XXXX from XXXX to XXXX. XXXX XXXX XXXX Department of XXXX is a non profit, XXXX organization, which could have qualified me for the Public Loan Forgiveness, yet Nelnet did not provide with this is information. I worked there from XX/XX/XXXX to XX/XX/XXXX, yet I was never enrolled in the XXXXublic Loan Forgiveness Program or Income Driven Plans by Nelnet. If I had been, I would have qualifying payments under the Public Loan Forgiveness Program to get student loan forgiveness at this point. I am the first one in my family to attend higher education. I always relied on my loan company to advise me the best it was possible regarding repayment options, but it looks like Nelnet did quite the opposite. Therefore, I ask for Nelnet to review my case. My time worked for a non profit organization should not be forgiven. Nelnet needs to be accountable for this.
Company Response:
State: CA
Zip: 93274
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
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: at this time, XXXX XXXX, the living woman and consumer protected by federal law is writing the request in regards to errors that have not been updated nor deleted off my consumer report. It is a fact that the US DEPARTMENT OF EDUACTIONS NELNET has not proven, validated any facts regarding my written consent given to them or any permissible purpose to report on my consumer report. I NEVER GAVE CONSENT so how can NELNET overturn me the consumers decision, this is a identity theft act and violation. If i did not consent this is in fact identity theft. Pursuant to 15 US code 1681B you MUST HAVE WRITTEN CONSENT FROM THE CONUSUMER.NELNET has been sent by certified mail showing signature confirmation. In addition, XXXX continues to verify the information " accurate '' in violation pursuant to 15 US Code 1681AE, verifying information with public sources, family, friends, can not be factual, unless coming from the CONSUMER, XXXX, which in this case HAS NOT. The information needs to be deleted immediately. a Federal Claim is pending for violations under the US Codes and unlieable rights. NELNET IS IN RECEIPT OF DEBT VALIDATION LETTER also requesting the following pursuant to the fdcpa laws of requeting documentation to prove non ill will toward the situation in hopes of correcting thereof. Nelnet XXXX wa asked to provide ... .I am requesting the following from [ DEBT COLLECTOR ] : 1.Name and address of alleged creditor. 2. Name on file of alleged debtor. 3.Alleged account number or numbers 4.Address on file for alleged debtor. 5.Amount of alleged debt. 6.Date ( this alleged debt became payable ). 7.Date of original charge or delinquency. 8.Was this debt assigned to a debt collector or purchased? 9. Amount paid if debt was purchased. 10. Commission for debt if collection efforts are successful. However they responded with the attachments below, and without nay factual validation or any contract ties to myself and nelnet. We have none. and if so please request the ledgers the on and off ledgers pertaining to this account showing the bookkeeping. as well a any tax forms copies. NELNET can not.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Initially requested proof of indebtedness, the responded with a payment history which is not proof of indebtedness. I gave my conditional acceptance statement and followed up by asked for proof that they are the holder of the original note. They responded by referring me to a link to a federal website where I can find my original promissory note. I asked that they send me a notarized letter on their letterhead saying that my note has not been purchased or sold and they responded by saying they can not provide me with what I asked for and again to refer to terms on my promissory note. The promissory note does not have my signature. They have been able to provide me with anything asked. All in all meaning Great Lakes is not the original instrument holder and according to truth in lending there are violations and illegal actions taking place. Only the holder of the original instrument can collect on it. My student loans need to be discharged immediately.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I woud like for this loan to be forgiven because the school I attend XXXX XXXX AKA XXXX school and this school advertised to me that they had a job placement percentage of 80 %. The school was closed due to such claims. So I am requesting that my loans be forgiven. Due to my experience being impacted by such claims.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: The job market based on the academic program that I selected was horrible, the criteria for jobs didnt help and I wasnt able to find jobs within the programs. The amount of debt that I am currently in is hindering my future greatly and is stopping em from fulfilling the American dreams. I shouldnt be responsible for the false representation which in my opinion is equivalent to fraud and misrepresentation.
Company Response:
State: LA
Zip: 70043
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A