Date Received: 2022-03-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My loan for the DEPT OF EDUCATION/NELN account with the account number XXXX is reporting inaccurately. The accounts stated below is transferred and closed yet they duplicated the accounts and displayed them as a negative remark on my Credit Report. I was never late in paying these accounts. Since the accounts mentioned below is already closed. I have sent dispute letters to both the Credit Bureaus and the furnisher to remove or correct the items that have been duplicated. But up until now, I did not see any changes. Under FCRA, inaccurate items should be removed and illegal practices should not be tolerated. I have attached all the necessary items to support my speculations. Also, I've put the dates of the account when they were opened. Please address this issue immediately. Thank you DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Too whom it may concern, i am submitting this complaint on my own with no third party involved. Firstmark Services continue to call my phone to collect a debt that's a result of Identity theft. I have sent Firstmark a FTC report, police report, and affidavit and they have yet to remove this account from my credit report. I'm asking Firstmark Services to SWEAR UNDER PENALTY OF PERJURY they were there when I " Allegedly '' obtain the goods and services. Also, i want to send notice to cease all contact with me or anyone else except the creditor about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice to you to cease all further communications with me. If you must contact me, please do so in writing and not by telephone. Also, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my WET signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely FRAUDULENT and as such represents a very serious error in your reporting. Please delete this misleading information.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This complaint is against Nelnet. Accounts XXXX and XXXX. Nelnet has repeatedly failed to answer or respond to my questions about my accounts or respond to specific questions with generalized boilerplate answers that are irrelevant to my question. They repeatedly send contradictory statements to me or information that is invalid. Most recently they have refused to assist me with my account XXXX. Nelnet stated I needed to recertify for IBR. When I attempted to do so, the government website stated it was not yet time to recertify and that if I recertified now, it would not be recalculated until near the end of this year. I sent Nelnet several emails asking about this but they failed to respond. I finally decided to bypass the government message and recertify. My recertification was accepted and updated on XX/XX/XXXX. The message stated in part, " Your qualifying federal student loans are on an Income-Based Repayment ( IBR ) Plan. Your monthly payment amount for qualifying loans will be {$.00} for up to 12 months, beginning XX/XX/XXXX. '' Then on XX/XX/XXXX, Nelnet sent me an email which stated in part, " We did not receive all of the information needed to evaluate your eligibility. The remaining information needed from you to complete your application is listed below. We are not able to use the IRS Form 1040 you submitted. '' I responded to Nelnet stating that they already updated my recertification and accepted my documents ( my employer paystub ). I asked them to apply the recertification to XX/XX/XXXX, which shows an amount due of {$28.00} due by XX/XX/XXXX. Nelnet responded on XX/XX/XXXX with a generic email which at the end stated, " As a reminder, your next payment under your current IDR certification is due on [ Date_Payment ]. '' I responded on XX/XX/XXXX stating the email makes no sense and doesn't include a valid payment date, instead just saying, " [ Date_Payment ] '' and that they failed to answer my questions. Nelnet did not respond, but on XX/XX/XXXX I received two emails from Nelnet ( both identical in content but for each separate account ), which state, in part, " Thank you for your recent Income-Driven Repayment ( IDR ) Plan application. After reviewing your documentation, we dont have all of the necessary information from you to process your application... We received your request for a recertification. However, your Income Driven Repayment plan does not need to be recertified at this time. '' When I login to Nelnet, it still shows a balance due of {$28.00} for account XXXX, even though my IBR payment has been {$0.00} up until recently, and Nelnet confirmed it is {$0.00} for account XXXX in their letter to me dated XX/XX/XXXX. I don't know what else to do at this point. For years Nelnet has refused or failed to answer my questions or provide me with information about my loans. These more recent issues are just a continuation of those failures. Nelnet refuses or fails to respond to my questions and continues to send contradictory emails on a weekly basis, stating that I must recertify, then telling me not to recertify, stating my payment will be {$0.00}, then stating it will be {$28.00}, then sending me emails that don't include a payment date at all, just stating that my next payment is due on " [ Date_Payment ]. '' Please assist. This has caused me substantial distress over the past years and especially in the past few months. I have spent hours attempting to get answers from Nelnet.
Company Response:
State: CA
Zip: 92129
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 45 days, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I dispute the amount of my federal student loans, and would like a copy of the agreement or promissory note outlining the terms of my loans, which span XXXX, XXXX, XXXX. I don't have any records showing what I am being asked to repay and how those funds were distributed to the school.
Company Response:
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I had private student loans with XXXX XXXX that were sold and transferred to Firstmark ( a Division of Nelnet around XXXX of XXXX. I am currently in XXXX XXXX, and some of my private student loans from my XXXX college loans had run out of standard forbearance time while they were still at XXXX. I was able to file for extended/hardship forbearance ( NOT COVID-19 related ) over the phone with proof of enrollment data from XXXX XXXX XXXX. I was last approved for this in late XXXX XX/XX/XXXX with XXXX data. I was told Firstmark would be able to check this. I no longer have the secure e-mail from XXXX XXXX XXXX message center, but I have the e-mail notification that the correspondence occurred ( attached ), and at least one approval notice of this forbearance that I can find if needed. I was assured by XXXX and Firstmark that my hardship forbearance would remain in place until I graduated. This is what is stated on XXXX 's updated student loans website XXXX XXXX XXXX XXXX XXXX as well. My loans have been NOT been consolidated, refinanced, or otherwise modified with Firstmark, so XXXXXXXX XXXX terms should still be in place. By XXXX of XXXX I received notice that these loans had gone into repayment because there was no standard forbearance time left I know this, its why I had a hardship forbearance to begin with. When I called and tried to explain that I knew this had been approved for their hardship forbearance with XXXX before the loan was sold, and that they should have all of this on file, I was told that " they didn't do that because they weren't XXXX '' and there was " nothing they could do about it ''. I get conflicting information every time I call, and every time I ask to speak to a supervisor or anyone might be able to look up my files I get put on hold/hung up on/told I'd get a follow up e-mail but don't. They refuse to look into the original terms of my loan and keep telling me about what I can do with my student loans under their terms- as if I'd taken it out with them to begin with - when they are supposed to honor the terms I had at XXXX XXXX, including any ongoing forbearance. I have tried calling XXXX to see if they had any records to clear this up, they said they don't have them and that Firstmark should. Firstmark has not made any effort to review my documents or fix this issue ( or even contact me! ) and I dont have copies of my hardship forbearance since I filed it over the phone with XXXX.
Company Response:
State: SC
Zip: 292XX
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 3 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Company Response:
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: XX/XX/2022 Dear XXXX XXXX & Nelnet/Firstmark Executive Management : I am writing as an severely distressed XXXX borrower, after having contacted Firstmark Services and Nelnet with a plight to place my Firstmark held loans in a Natural Disaster Forbearance ( beginning on XX/XX/2022, and through XX/XX/2022 ) for the Nebraska Severe Storms, which affected my employment and was a FEMA Declared Major Disaster on XX/XX/2022. After speaking to several supervisors ( including XXXX on XX/XX/2022 ) and being promised assistance with getting this forbearance applied to my loans, as well as several promised follow up calls which never arrived, I phone in and emailed several more times to request direly needed assistance. Firstmark continues to promise senior management follow-up which never arrives via phone, and at this stage your company has caused me severe medical distress and the near need for hospitalization. As such, please direct someone in senior management for assistance in placing these loans, as previously promised, into a Natural Disaster Forbearance as related to the detailed effect such issues have had on my employment ( as I explained to several inept representatives, I am unable to provide an exact address due to the nature of my work in landscaping many of my covered areas were affected by said storms ). This matter remains exceedingly emergent at this point, as my loans continue to become part due, threatening my credit and financial status, which is egregiously unacceptable. Please note, that while it remains my hope to resolve this matter immediately at this level, should this not be honored, I will be immediately contacting my direct contact with XXXXXXXX XXXX XXXX XXXX, as well as potentially filing Civil Litigation against Firstmark Services for the many false promises, refusal of assistance for a declared disaster, and related medical and emotional distress. Thank you kindly in advance for your immediate and urgent attention to this matter, and I look forward to speaking today by end of business to resolve this matter.
Company Response:
State: NE
Zip: 688XX
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I did not live at the following addresses and they are reporting on my credit files : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have filed for Identity Theft a few yrs back when my luggage was stolen in XXXX, GA. I and have disputed these accounts for several years but still no one have resolved the issue as of yet. Its preventing me from moving forward with purchases as well as preventing me from purchasing a home. I have incorrect street addresses, fraudulent accounts, and incorrect job information. I was incarcerated during a few of these years that have dates of the initial loan disbursement. If you could please bring some type of resolve on my behalf so I can finally begin to live without getting harassed by the bureaus for some accounts that doesn't even belong to me.
Company Response:
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A