Date Received: 2022-01-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had XXXX under my school loans and before XXXX was XXXX XXXX which goes back to year 2013. XXXX is currently being sued because of there conduct of how they handled there school loans.I have two school loans with them and currently they switched to XXXX. Im XXXX and sent my paperwork showing my full XXXX and Navient thru me under the bus and couldnt help me dismiss my loans. I had the run around and XXXX kept switching me from forbearance to income driven with my account where I should be under XXXX percent XXXX with all the paperwork that was sent to them from my doctor and myself. XXXX never got my records straight and kept charging me interest throw out the years from 2013 till today. I want my school loans dismissed due to XXXX messing up and me being XXXX. If I have to get my own attorney, I will. I hope you can assist in getting my two loans dismissed. XXXX caused a real mess with my accounts. Please call me, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44094
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt Validation Notice ( 15 U.S.Code 1692g ) XX/XX/2022 Re : ACCOUNT NUMBER : XXXX Dear, Great Lakes Educational Loan Services , Inc . I am a natural person and federally protected consumer pursuant to 15 U.S.Code 1692a ( 3 ). This is my written notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Company Response:
State: TN
Zip: 38106
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX, we were presented with the opportunity to consolidate my husbands student loans with mine, to reduce our monthly payment. Being that we were both XXXX, also going through grad school, with a XXXX, we thought this was a way to keep ourselves on track to eventually pay off our high student loans. We were in a situation where we had minimal income, a small family, and classes we still had to take to make a decent living wage as XXXX. We consolidated into a FFEL Spousal Consolidation Loan. Little did we know that by signing on that dotted line, that we would put ourselves forever in debt, with no possibility of receiving the Public Servant Loan Forgiveness available to XXXX like ourselves. Once we conceded our loans to this now defunct program, we disqualified ourselves from many benefits other student loan holders have. Had we been told this, we never, ever would have committed to this. We have paid our loan religiously since then, and havent even taken a single dollar off the original principal value of the loan. We actually owe more now, over 15 years later, than we did the day we entered into the consolidation loan.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: During the course of 30 years, my student loans have been closed, transferred, and resold to various financial lenders ( Direct Loans Servicing System, XXXX XXXX, XXXX, Nelnet, and the Department of Education ). After reviewing my credit report I notice several inconsistencies regarding the account DEPT. OF EDUCATION/NELNET # XXXX in the amount of {$56000.00} and {$66000.00} both payment status section. XXXX is reporting a balance with derogatory payment status. XXXX is reporting a balance of {$66000.00} a current payment status and XXXX is reporting a balance of {$66000.00} and {$56000.00}. Now all three of these balances cant be accurate. In addition, DEPT. OF EDU/DIRECT LOAN SERVICE SYSTEM XXXX and XXXX reported closed {$0.00} balance on XX/XX/2013. These student loans have been closed, transferred, and resold to various financial lenders ( Direct Loans Servicing System, XXXX XXXX, XXXX, Nelnet, and Department of Education. These accounts appear to be furnished by the same creditor so why is all the provided data differently? It is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so. Please INVESTIGATE, REMOVE/DELETE these ERRONEOUS ITEMS IMMEDIATELY. Let this be a formal complaint against XXXX XXXX, XXXX, and XXXX.
Company Response:
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have filed a dispute with the credit bureau that this is not my account and also have asked for them to send me the result of this dispute or proof showing where I opened this account and nothing has been sent to me, I just keep being ignored
Company Response:
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter in the mail regarding a fraudulent account for Great Lakes with an outstanding amount of {$8000.00}. I have no knowledge of this account. Please investigate and delete immediately.
Company Response:
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: A loan agreement was made in XX/XX/XXXX and the attached repayment schedule is what was agreed to. This loan was transferred to Nelnet, from XXXX, in XX/XX/XXXX and now it appears we are paying over {$5000.00} more than originally agreed upon. At no point did we agree to any repayment changes nor did we ask for the loan to be moved/changed. I understand there were to be graduated increases, but what we agreed to and what we have paid are NOT even close. Additionally, no one at Nelnet can show me why this would have changed and XXXX no longer exist. Note that we have also been turned down for the Gov't student loan forgiveness program even though I've been a Govt employee for XXXX years This WAS a Gov't backed loan, we never asked for it to be moved/transferred, so I don't understand why I wouldn't qualify and No one can explain it to me? The final payment dates are the same on both of these schedules, yet I am paying substantially more than originally noted. So why wouldn't it be paid down sooner???
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had a student loan with a FirstMark Services and sent a check on XX/XX/XXXX to payoff my loan. FirstMark applied my payment on XX/XX/XXXX ending in a large credit balance of {$1600.00}. My payoff cheque sent was over the amount I owed. I called Firstmark for the second time since the payoff and was told that I will not receive the funds for another 3 weeks. The first time I called I was told I would have the funds by XX/XX/XXXX The refund amount {$1600.00}
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet , Inc., my private loan servicer, has recently informed me on XX/XX/XXXX that I have been reported to the national credit reporting agencies for delinquency. According to Nelnet, I am 90 days past due on my account. I have had every intent to pay, and have called in to the Nelnet customer support line on a recorded conversation to pay. XX/XX/XXXX I spoke directly with a representative and told them to pull the funds from my last form of payment on file. They confirmed and submitted the payment. I had also done this on XX/XX/XXXX, and XX/XX/XXXX of XXXX. I was not informed, however, that they were using a previously decommissioned bank account, which has not been in service for XXXX years at least. I was also not informed that my payments were bouncing, and only told that they were delinquent. As of today, XX/XX/XXXX, I have paid up to current with Nelnet and I want to contest this negative credit report because I have made numerous attempts to pay and was not informed that the representative was using a bad account. I've also tried to remove the old bank account from my file, but was told by Nelnet that they were unable to do so. This could lead to future issues if a representative erroneously uses the account. Please help me clear this delinquent credit report.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have paid off all of my student loan interest. My balance should reflect {$250000.00}. Today on my XXXX loan several thousands of dollars of my payments were mysteriously " unprocessed '' and over 7,000 was added back to my student loans in " unpaid interest '' while my student loans are in forbearance. The reversal of processing over {$7000.00} of my hard-earned money during the forbearance period was told to me by Great Lakes Student Loan servicing customer service over the phone. The explanation they gave was that they payments had simply become " unprocessed. '' This is theft by the DOE and theft by Great Lakes Student Loans servicer and if this is not addressed I will sue both entities for conversion and breaching the loan agreement with me. I am an XXXX XXXX in the State of New York and I am sick and tired of the government taking advantage of loan borrowers. This is unbelievable and absolutely 100 % unacceptable that my own government would essentially steal over {$7000.00} from me. I am livid.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A