Date Received: 2022-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with FirstMark Services and they have continued to violate my consumer rights. They have used my consumer credit to not only harass me for {$3700.00} but also blackmail me and stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. On XXXX and XXXX I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They have also continued to send out debt collection on post cards to me as well as my deceased grandmother, being in violation on 15 USC 1692B ( 4 ). They continue to violate me with their negligent and willful behavior which has not only damaged my reputation, causing my credit to be denied, but also made be lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I declared XXXX XXXX bankruptcy in XX/XX/2021 and all my debts were discharged XX/XX/2021. It was determined that Firstmark ( who bought a private student loan from XXXX XXXX ) was discharged, because it is a private student loan that was not used for tuition. No credit counseling, entry or exit, was done prior to giving the loan, which is a violation of federal law. Also there is no instrument of original indebtedness and Firstmark could not provide evidence any contractual obligation to pay, that bears my name and signature. I repeatedly informed Firstmark that the debt was discharged and to please verify the debt, provide evidence of contractual obligation to pay, and proof of credit counseling. They threatened me stating they would report me to credit bureaus if I did not pay them {$50.00} minimum payment. I caved to their illegal activity to protect my credit and paid the {$50.00}. They proceeded to defame me with the credit bureaus, tanking my score by over 90 points. I contacted them to correct this and they refused. Please help me resolve this situation. Firstmark is nightmarish and negatively impacting my quality of life.
Company Response:
State: WI
Zip: 53186
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I have an account with Firstmark Services that was co-signed. I have had this same issue before, but I have scheduled a payment to be made, and they are calling my co-signer and telling them that my loan is very late and has not been paid. Not counting the holidays and weekends, my loan is only XXXX days late, and I scheduled to have the payment deducted on XXXX, but the payment has been scheduled since XX/XX/XXXX. Firstmark called me at XXXX on XXXX XXXX and did not leave a message, I was in a meeting and unable to return the call, nor was a message left for me to reference. It was not even XXXX minutes later they were calling my co-signer. They told her my payment was extremely late, and never once mentioned that I had a pending payment. That is a total lie. I have had this issue with them previously, and of course they tried to defend their position. Their payment collecting practices are false, misleading, predatory, and threatening. They also tried to lie and say that they never called her, which is totally false. My co-signer would have no idea the status of the loan without their phone call. In this kind of climate where people are unable to work and having to stay home from work with their children because of the pandemic, Firstmark should not be allowed to harass and intimidate their borrowers. I do not want Firstmark to contact my co-signer at all anymore. My payments are all up-to-date. Something needs to be done about this company.
Company Response:
State: SC
Zip: 29316
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Hi : My name is XXXX XXXX I attended XXXX XXXX back in 2005 I was enrolled in there plumbing program. The school was uneducated about teaching students I didnt learn anything the addmission rep didnt even ask me for a copy of my high school diploma. I graduated with zero knowledge or understanding about the trade they didnt even give me a certificate of competition at my graduation day that was very embarrassing to me and my family but they left me with a {$25000.00} loan it has been hard me and my family my credit score I need help getting this removed from my credit report from the department of education of XXXX XXXX so I can get my life back Im looking for a loan forgiveness my wife has medical issues there is no way I can make any payments please please please help me
Company Response:
State: TX
Zip: 78233
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: 1. I was steered into forbearance when I could not make my student loan payments in 2014. I was enrolled in an income based repayment plan. The number was too high given my expenses and I was told that my only option was forbearance. I believe that I was still charged interest. 2. I had issues with the yearly income recertification. There were times that I missed the deadline to recertify. The emails did not include deadlines, or there were no email reminders that I saw, or there was inadequate information in the emails. When I did recertify after realizing that my loan payments jumped up, I often lost months because it took the servicers a long time to approve the recertification.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Sometime in XX/XX/XXXX, I applied for a Direct Loan Consolidation of my two FFEL consolidated subsidized and unsubsidized loans that were held and serviced by XXXX. The subsidized Federal Consolidation Loan principal total = {$40000.00}. The unsubsidized Federal Consolidation Loan principal total = {$43000.00}. The total Loan Payoff Amount : {$84000.00}. ( see attached Verfication Certificate Detail ). I have been told by XXXX, that they do not have my Direct Loan Consolidation Application and Promissory note from XXXX. I was told by XXXX that I would need to contact my current servicer to obtain the Direct Loan Consolidation Application and Promissory Note. I contacted my current servicer Nelnet and they said my current file has not been fully updated because it was recently transferred from XXXX. I have contacted XXXX XXXX XXXX, XXXX as well as XXXX and none of them have been able to supply me with my Federal Direct Loan Consolidation and XXXX XXXX from XX/XX/XXXX. Sometime in XX/XX/XXXX, I signed off on a Federal Direct Loan Consolidation with the Dept of Ed via XXXX XXXX XXXX XXXX or XXXX XXXX ( see attached Direct Loans Consolidation Loan Verification Certificate ). According to my XXXX data and the Direct Loans Consolidation Loan Verfication Certificate authenticated by DOE official, XXXX XXXX on XX/XX/XXXX, the Direct Loan consolidation disbursement date was XX/XX/XXXX and Anticipated Actual Completion Date was XX/XX/XXXX. Per XXXX, In Repayment started on the Direct Loan Consolidation on XX/XX/XXXX. On XX/XX/XXXX, I received from XXXX, the Lender Verification Certificate for the Direct Loan Consolidation confirming that I had infact requested a Direct Loan Consolidation in XX/XX/XXXX. ( see attached XXXX document )
Company Response:
State: OR
Zip: 97217
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
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 have student loans listed on my credit report with Department of Education Nelnet. I have paid each month on a consisted basis since before the COVID 19 pandemic and currently. I did not ask to be included in a forbearance, because I want the payments that I make each month to reflect on my credit report. The PROBLEM is Nelnet has not reported the specific amount paid each month on my credit report. Nelnet has only reported to the credit bureaus a statement that explains I am current without the specific amount displayed on my credit report. I have contacted Nelnet 7 times regarding this issue. The representative explained Nelnet would reflect the specific payment on XX/XX/2021. Once again Nelnet fail to correct the problem. This is a HUGE issue for me because I am trying to purchase a home. If the specific payment does not reflect on my credit report, the loan company will have to include the entire loan balance in my debt. I am trying to take advantage of the new Biden Administration rule regarding student loans and mortage loans. Again, Nelnet should report my current payment plan I am supposed to make each month and the amount I actually paid each month.
Company Response:
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S NELNET, AND XXXX XXXX XXXXXXXX XXXX XXXX XXXX have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Amount {$89000.00} at Great Lakes loan. I submitted a negotiable instrument with full and correct language for the full amount due. Instead of crediting my account, they sent me a letter stating that I had 30 days to explain to them why they should credit my account.
Company Response:
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A