Date Received: 2021-12-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX and XX/XX/XXXX, loan amount was incorrectly reported. I have documentation showing a drastic increase in which the company did not provide any updates in writing.
Company Response:
State: IL
Zip: 60014
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX ) via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The information for this account listed on my credit report is : CREDITOR : NELNET LNS, ACCOUNT XXXX, OPENED XX/XX/2006, BALANCE OF {$35000.00}
Company Response:
State: MA
Zip: 02121
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I applied for a XXXX loan through the XXXX in XXXX of 2004. The Company Nelnet ended up servicing the loan. They supplied me with a Master promissory note with my signature, proving that it was a consumer credit transaction, and they did not give me credit, as I am the original creditor. I am asserting that I owed nothing after I signed the document and my credit was utilized.
Company Response:
State: NE
Zip: 68116
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The information that your company, Department of Education Nelnet ( DEPTEDNELNET ) student loan, is still reporting to my XXXX Credit Report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX, XXXX XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. DEPTEDNELNET student loan, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to XXXX. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. Fraudulent Negative Accounts : DEPTEDNELNET 9 late payments {$0.00} Closed Account info Account name : DEPTEDNELNET Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Account status : Closed Payment status : Paid or paying as agreed Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Original amount : {$20000.00} Past due amount : {$0.00} Terms120 Months ResponsibilityIndividual account
Company Response:
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Applied for XXXX on XXXX XXXX. Contacted US department of education and have not heard back. Asked for an update or processing and have not heard back.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX ) via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The information for this account listed on my credit report is : CREDITOR : NELNET LNS, ACCOUNT XXXX, OPENED XX/XX/2006, BALANCE OF {$35000.00}
Company Response:
State: MA
Zip: 02121
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This company is in violation for the false, deceptive, and misleading representation of the character, amount, and legal status of this alleged debt. The negotiable instrument that I originally signed served as a consumer credit contract and was used as a promissory note to pay this alleged debt according to 16 CFR Part 433. I am legally entitled to assert my rights as debtor.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: This is my second complaint. My first is XXXX. I did receive the Firstmarks response, and they did not deliver the documents needed. They wrote on their response that they did, but they absolutely did not. I AM STILL WAITING FOR THE THIRD PROMISSORY NOTE, THAT THEY HAVE BEEN WITHHOLDING SINCE XXXX. Refer back to the feedback I have left on my most recent complaint mentioned above. I listed the exact promissory note needed. Original Complaint. RE : REQUESTING COPIES OF PROMISSORY NOTES FOR THE XXXX XXXX TO PAY FOR MY STUDENT LOANS TROUBLE OBTAINING COPIES OF MY PROMISSORY NOTES I obtained a private student loan from XXXX XXXX to attend college. XXXX XXXX left the student loans market and sold its student debt loans to Firstmark Services. I joined the XXXX XXXX. The XXXX XXXX requested my loan information, copies of my promissory notes. For the purpose that the XXXX XXXX would pay for my student loan debt. I began calling Firstmark Services in XXXX and continued calling till XXXX of 2021 requesting copies of my promissory notes. I received no answer from Firstmark Services during those months nor any copies of my three promissory notes. In XXXX of this year, I had to get in contact with the XXXX XXXX XXXX XXXX to assist me in getting copies of my promissory notes. With the clinics assistance, I sent Firstmark Services several formal letters requesting for copies of all three of my promissory notes starting in XXXX. I sent Firstmark Services a formal letter requesting for copies of my three promissory notes on XX/XX/2021. Firstmark Services emailed me on XXXX of XXXX explaining to me that on the XXXX, copies of my master promissory notes were sent to my mailing address on file. On XX/XX/XXXX, Firstmark Services sent me only two out of the three copies of my promissory notes. I again emailed Firstmark Services requesting a copy of the third promissory note that was not sent. Firstmark Services then emailed me a copy of one of the promissory notes that they had already sent on XX/XX/XXXX. On XX/XX/XXXX, I sent Firstmark Services again another formal letter requesting a copy of my third missing promissory note. On XX/XX/XXXX, I again sent another formal letter to Firstmark Services requesting a copy of my third promissory note. Firstmark Services then sent me a excel sheet of my student debt. On the XXXX of XXXX, I called Firstmark Services and a representative from Firstmark Services said that the third copy of the promissory note that I have been requesting is not in the Firstmark system. The representative further said, I do not know why they sent you the excel sheet of your student debt, when that is not what you requested. You requested a copy of the third and final promissory note. For ten months, Firstmark Services has been completely unresponsive for my very simple request to obtain copies of my promissory notes to give to the XXXX XXXX. I lost ten months of time that the XXXX XXXX would have paid for my student debt. During all of this, I am paying for all my student loans out of pocket. Add to all of this, originally my student loan payments were {$420.00}. Now my payments are {$620.00} a month. During all of this, my payments went up and lost time that the XXXX XXXX could have been paying for my student loans. Moreover, Firstmark Services does not have a copy of my third and missing promissory note. Firstmark Services not giving me a copy of my third promissory note has caused me such financial hardship and distress. I have paid close to {$3000.00} on a loan that I can not even get a copy of. Further, the interest was originally 3 % and now it is 11 %. I am paying for a loan that does not exist on file and this has caused me tremendous financial hardship. This also has caused financial hardship on my family because my father was a cosigner on these loans. I am being held hostage to pay for a loan that is not even in Firstmark Services system because if I dont pay my credit will be hurt. Because of Firstmark Services not sending me the third promissory note, I have missed out on 15 % of my loan being paid.
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Please see attached documents.
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A