Date Received: 2022-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Re : CEASE AND DESIST NOTICE ; ACCOUNT NUMBER : XXXX I am a natural person and federally protected consumer. In pursuant to 15 U.S.Code 1692c ( C ), this is my written notice demanding that you cease and desist all communication through all mediums including ( XXXX, XXXX and XXXX ) regarding this alleged debt. Pursuant to 15 U.S.Code 1692e ( XXXX ), the false representation of the character, amount, or legal status of any debt is a violation of federal law. The balance is a positive balance and seems to be owed to me. If the balance was owed in a bank account the balance would be negative. In pursuant to 15 U.S.Code 1692g, I am demanding that you provide me with documentation evidence and provide a contract bearing my signature for this alleged debt. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Tennessee Attorney Generals office. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws.
Company Response:
State: TN
Zip: 38106
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Nelnet ( XXXX, XXXX XXXX XXXX XXXX, New York XXXX XXXX. and wherever else my student loans were pushed without disclosure ) informed me, during COVID that some of my loans were not covered by the C ARES ACT, for 2 reasons 1 - One of the Loans was a Private Loan from the XXXX XXXX XXXX XXXX, WA I informed that I had no such loan. the Art Institute did not inform me that it was a private loan and XXXX XXXX University issued me non private loans after my attendance at this school? - Further I was informed by someone stating they represented the Art Institute that they would not release my transcripts, which I requested for attendance at XXXX XXXX University. They refused to release them until the loan was paid in full, which I was not aware that I owed. XXXX violation, per your below communication 2 - I was heavily encouraged to consolidate my student loans and after the fact informed that these loans were no longer federally protected and consequently not under the CARES ACT Additionally, as previously reported their are several issues and mis-handlings of my student loans just prior to COVID placing them in default incorrectly. All reported lenders were contacted for arrangements several times. When I finally reached them they stated my loans were in default. They stated they could not reach me although predatory student loan collectors had not issue reaching me at the address I have had for almost a decade this year. We have noted several instances of incorrect and fraudulent paperwork presented in my name across several public and private sector agencies, entities and industries online and offline. We believe these matters to be apart of a larger employment, unemployment, labor, medical fraud corporate cannibalism and other schemes beyond what I am subject to or aware of within and outside of the United States that may also include immigration offenses such as collecting of US citizens data collection and mining, employment, and identification thefts. -- - WASHINGTON, D.CXXXX Today, the Consumer Financial Protection Bureau ( CFPB ) announced it will begin examining the operations of post-secondary schools, such as for-profit colleges, that extend private loans directly to students. The CFPB is issuing an update to its exam procedures including a new section on institutional student loans. As the CFPB begins its supervision, the exam procedures inform industry about practices that CFPB examiners will review, including placing enrollment restrictions, withholding transcripts, improperly accelerating payments, failing to issue refunds, and maintaining improper lending relationships. Schools that offer students loans to attend their classes have a lot of power over their students education and financial future, said CFPB Director XXXX XXXX. Its time to open up the books on institutional student lending to ensure all students with private student loans are not harmed by illegal practices. Private education loans are extensions of credit made to students or parents to fund undergraduatXXXX, graduate, and other forms of postsecondary education. Private education loans may be offered by banks, non-profits, nonbanks, credit unions, state-affiliated organizations, and institutions of higher education, including both for-profit schools and non-profit schools. These loans are typically not affiliated with federal student loan programs administered by the U.S. Department of Education. When the loans are made directly to students by the school they attend, they are often referred to as institutional student loans. The CFPB is concerned about the borrower experience with institutional loans because of past abuses at schools, like those operated by XXXX and XXXX, where students were subjected to high interest rates and strong-arm debt collection practices. Schools have not historically been subject to the same servicing and origination oversight as traditional lenders. In the mid-XXXX, many lenders and institutions of higher education were caught engaging in kickback arrangements that gave schools the incentive to steer students into certain loans. Congress later enacted reforms to student loan disclosures and prohibited certain practices. Congress also gave the CFPB supervisory authority over entities that originate private education loans, including institutional loans. When examining institutions offering private education loans, in addition to looking at general lending issues, examiners will review the facts around certain actions only schools can take against their students. Specifically, CFPB examiners will be looking at : Placing enrollment restrictions : Students who are late on their loan payments may be restricted from enrolling in or attending classes, which could delay their graduation and prevent them from finding employment. Withholding transcripts : When a school withholds academic transcripts from students that owe the school a debt, this prevents students from using their transcripts to demonstrate their education levels in the job market. Improperly accelerating payments : Schools that use acceleration clauses in their loans when a student withdraws from the program could be putting a heavy financial burden on the student by making the loan immediately due and collectible. Failing to issue refunds : If a borrower withdraws from a program early, they may be entitled to some refunds by the school. Maintaining improper lending relationships : Schools that have preferential relationships with certain lenders may pose risks to students because, for example, they may end up paying more for their loan. The Education Loan Exam Procedures manual is intended for use by CFPB examiners, and the Bureau makes it available to serve as a resource to anyone subject to its exams. These procedures will be incorporated into the CFPBs general supervision and examination manual. Students and their families can find help on how to tackle their student debt through the CFPBs Paying for College suite of tools. Student loan borrowers experiencing problems related to repaying student loans or debt collection can also submit a complaint to the CFPB. More information is available at consumerfinance.gov/students. # # #
Company Response:
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
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: XXXX, XXXX, and nelnet is reporting inaccurate student loans on my credit profile. I have addressed this issue with them on numerous of occasions and they are refusing to resolve this isssue. This matter is causing my credit to plummet and I am being denying for everything Im applying because of XXXX and XXXX inaccurate reporting. Below I have attached proof that XXXX and XXXX are reporting inaccuracies across the board on serval student loan accounts. XXXX, XXXX, and Nelnet is also reporting. XXXX and XXXX are reporting different account status, date opened, last reported, comments, and date last active on all the student loan accounts in question. There is also a duplicate account for each student loan account, the duplicate accounts are reporting a different high limit under the same account number. The XXXX credit bureaus are falsely claiming the accounts meets FCRA guidelines but they clearly DO NOT. FCRA website states that all information on accounts must be the same across the board and must meet FCRA guidelines. XXXX has atleast deleted these inaccuracies and XXXX and XXXX must follow suit. I am asking for reputations of {$1000.00} dollars for this violation of my consumer rights. I have attached proof of all accounts and every inaccuracy that the bureaus are reporting.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet has unfairly reported to my credit bureau that my student loans are defaulted and have missed payments when i am supposed to be protected by Biden 's student loan pause. I have received many phone calls from them stating that first I did not have a federal student loan and then when i informed then that it was a federal loan they then stated that my loans were too old to be covered under the student loan pause. I did try to work the person who called me but they told me to do my own research because i was wrong and then hung on me. I believe that they have now turned my account over to a collection agency and have placed damaging remarks on my credit report.
Company Response:
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: . I am requesting PROOF OF MY WRITTEN CONSENTED TO FURNISH ANYTHING IN MY REOORT or reporting to consumer agencies.. and responding to XXXX XXXX XXXX of Nelnet customer service dept. nowhere in this letter states how you were authorized without my written consent to furnish a consumer report. Nelnet is in direct violation of FCRA, and consumer laws, pursuant to 15 USC 1681 you need Permissible purpose to report anything on my consumer report you may also be liable for up to {$10000.00} or misdemeanor. I have already proven that identity theft and the unauthorized actions XXXX has fraudulently obtained and continue to report. Inaccuracies, They have not notified the CRA of my dispute, According to 15 USC 1692,1681 A ( b ), the The only way any information obtained has to come from the consumer myself which has not. As well as the privacy laws you are direct violation of. I have a legal rights and consumer rights protected by the federal government and it is being requested to stop reporting on my consumer report since you did not have my written consent to do so. Pursuant to Appendix A To Furnisher rule 660. Your policies must prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; Not only that but If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the consumer XXXX. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. You have now lied via mail if my rights and violations you have infringed on. I have still no information or correspondence regarding how Nelnet got my written consent to furnish anything on my consumer report. Unless they did so without it. At this time it is also been passed 30 days for conducting a proper investigation, it is clear that Nelnet has not notify the CRA of this dispute and proof of my written consent and show me where I gave up my rights to thereof. I have already requested documents pursuant to FTC laws and identity theft investigation and clearing my name, Nelnet has not provided the documents under this code. They have not provided my written statement proving I gave them consent to furnish anything on my consumer report. But yet responding to irrelevant nonsense. As stated by the federal trade commission : If you dont comply with the FCRA, you may be sued by the FTC XXXX Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4100.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am working with XXXX and XXXX to resolve an issue with Firstmark Services, the loan servicer who bought my student loan from XXXX XXXX in XX/XX/XXXX. I have been paying Firstmark Services XXXX XXXX monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my XXXX XXXX has not improved despite my timely payments. After going back-and-forth with Firstmark Services personally and filing disputes against them through XXXX and XXXX throughout XXXX, one of Firstmarks customer service agents finally disclosed the problem to me. Firstmark Services has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. Firstmark Services claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. Firstmark Services applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from XXXX XXXX to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because Firstmark Services added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. I believe Firstmark Services wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with Firstmark Services. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XX/XX/XXXX Nelnet received my cease and desist letter pursuant to 15 USC 1692c ( c ) and also received my debt validation request pursuant to 15 USC 1692g. Nelnet has 30 do to provide required documents pursuant with federal law. If documents are not received within the specified timeframe, Nelnet will be in violation of the FCRA and FDCPA and the alleged debt must be deleted and completely removed from my credit file and a copy of such deletion shall be sent to me immediately.
Company Response:
State: IL
Zip: 60505
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: To Whom It May Concern : This is in response to CFPB complaint ID : XXXX. Thank you for your letters dated XX/XX/2021, and XX/XX/2021, wherein you confirm my outstanding balance as requested. It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form for loans with the following account numbers : XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Request for an In-School Deferment was allowed and agreed upon by College attended at Fall 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department in early XX/XX/2021, through my loan servicer, Nelnet ( document attached ). With an agreed end date of XX/XX/2021. I've since have attempted to talk to representatives at Nelnet and Financial Aid 's Registration and Records of signing a new Forbearance/ Deferment agreement in hopes of extending postponing payment to their Financial Aid Department there at The College at XXXX XXXX with no success. The issue continues to be that their Financial Aid department, at the XXXX XXXX is in continued request of a large sum of money {$5600.00}, which I financially can not afford. I am now at the moment submitting complaints to studentaid.gov with regards to several other Department of Education websites, prior. In hopes of having them address my financial concerns as a student and working person here in XXXX New York. Can you assist me in postponing payments and become eligible for a payment plan through Nelnet XXXX? If so I would appreciate hearing back from your XXXX website and any additional questions you might have.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
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: Account rehabilitated and shouldve been deleted, loans being handled by XXXX.
Company Response:
State: FL
Zip: 32177
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A