Date Received: 2021-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am XXXX XXXX XXXX, and I am submitting this complaint myself with no third party involved. I reached out to XXXX, XXXX and XXXX, credit reporting agencies, via Certified mail on XX/XX/2021, asking to verify all debts from DEPT OF EDUCATION/NELNET that was fraudulently furnished by them on my consumer report ; according to 15 USC 1681b . There were no responses to my requests.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
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: There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: On XX/XX/2021, Nelnet called my cellular telephone at XXXX PT from XXXX. The calls from Nelnet constitute harassment. I revoked consent for telephone calls with rep, XXXX on XX/XX/2021 at XXXX. Since revoking consent, Nelnet called again on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. In addition to revoking consent from telephone calls to my cellular telephone using an automated dialer, I also emailed Nelnet at : XXXX and copied XXXX on XX/XX/2021. The email requested Nelnet cease and desist all collection activity on all mediums of the alleged debt. Ignoring my cease and desist request, Nelnet sent another email on XX/XX/2021. Nelnet is harassing me and violating several consumer laws. My XXXX filing does not list any liens or debt from Nelnet. Nelnet is furnishing false and deceptive forms.
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item ( DEPTEDNELNET account # XXXX Date Opened : XX/XX/2012 Balance : {$0.00} ) is reporting late, yet it is closed and the balance is XXXX as reported in XXXX Credit Bureaus . The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaints. Lets remove this immediately.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Account Number : XXXX I am in my final third year of the post discharge monitoring period, Nelnet is responsible for sending me the form to complete of documentation of earned income which is due in XX/XX/2021. As of yet, Nelnet has been negligent in sending me this form. Also, as of XX/XX/2021, I verified with XXXX at Nelnet that they have corrected my address to reflect : XXXX XXXX XXXX, XXXX XXXX FL XXXX. Why hasn't the form been sent?
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Firstmark has not been applying my overpayments to the loans with the highest interest rate, but rather spreading the overage equally between my four loans. This is not correct. The overpayment should be applied to the loan with the highest interest rate, this I how my previous servicer allocated payments and this is how Firstmarks website advertises their overpayments will be allocated. I have requested this because about the same time that Firstmark took over my loan I went back to school for my XXXX ( in XXXX ) and was in deferment but was still making regular monthly payments. These payments were not being applied correctly and therefore have effected the amount of interest I am paying vs. principle. In addition, over the past year and a half I have been paying in excess of my regular monthly payment in order to try to get the loans paid off, and none of those excess payments were being allocated correctly either. XXXX : This was discovered in XXXX/XXXX when I went to pay off one of my loans. It had a remaining balance of around {$930.00} and I made a payment of {$950.00}. After a couple of days I went online to check to make sure the loan was paid off and it wasnt because the overpayment was split up between my open loans. It is important to note that two of my loans have interest rates that are the same and are lower than the other two which have the same interest rate and are high. A few months prior to discovering this, one of the higher rated loans had been paid off and as a result of the {$950.00} payment allocation the 2nd loan with the high interest rate was also paid off. *this comes up later in the requests Request : I have made multiple phone calls and requests in order to get this resolved with Firstmark going back to XXXX/XXXX. I was first told it would take 2 weeks to review. 4 weeks later I followed up with them via their online contact sheet on XXXX asking for an update. To which they replied that it was corrected. When I went online only the last {$950.00} payment was reallocated and not the whole history of payments like I had requested to them on the phone and in writing. I filled out another online contact form on XX/XX/XXXX explaining in more detail what was needed and again requested that all payments would be reviewed. I received a response that my request was received on XX/XX/XXXX and that the payment request was under review which would take XXXX weeks for processing. I then followed up via phone call on XXXX and the customer service rep told me that nothing was reallocated because the 2 loans with the highest interest rate have been paid off. I again explained my story and advised what I wanted to be done. The rep seemed like she understood, said she was going to talk to her supervisor, escalate the matter and have someone contact me within a couple of days. A few days went by, On XX/XX/XXXX I followed up with them again as I hadnt heard anything. They advised that nothing had been done. On XX/XX/XXXX I followed up again and was told again, that nothing had been done. I requested to speak to a supervisor, once again explained the situation, and was told that she was going to personally pull my request and have it resolved. On XX/XX/XXXX another phone call was placed and was told that nothing has been done but it should only be a couple more days and that it was rush status. And today another request for an update was made and nothing has been done. On XX/XX/XXXX a CFPB complaint was filed- however, Firstmarks response was, in summary, " were working on it ''. On XX/XX/XXXX some payments were reallocated however, now my account is showing that I owe over {$13000.00}, however, not all payments have been reallocated. Prior to any reallocation on the XXXX my payoff balance was around {$6000.00}. My account has been sitting inactive since XX/XX/XXXX with nothing further being done. On XX/XX/XXXX I called to check up on the status and was told that the payments were still being reviewed and reallocated. I called again on XXXX, XXXX, XXXX, and XX/XX/XXXX for updates and each time asked for a supervisor to give me a call regarding the status of my loan and reallocation of my payments. To date I have not heard from any from the company and my payment reallocations have not been completed. My loan is still showing an incorrect balance.
Company Response:
State: OH
Zip: 45103
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I graduated from law school in XXXX of XXXX during the beginning of the Covid outbreak. After graduation I am entitled to a six month grace period before debt repayment is to begin. However, due to the Covid student loan relief program ; I am not due to enter the repayment phase until XX/XX/XXXX. Despite these forbearance against student loan collections until XX/XX/XXXX, I have been contacted by phone several times by my loan service provider, Nelnet, starting as far back as XX/XX/XXXX at XXXX. The calls that I chose not to answer because of the forbearance program were then followed with voicemail. The calls come at inconvenient times and are erratic in nature. For instance, I was contacted and left a voicemail at XXXX on XX/XX/XXXX ( my birthday ), XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX ( today ) only to discover that it was an automated recording that I have heard during each and every voicemail, as they must think that I am incapable of remembering the information the first time I received it. I am currently studying to take the Uniform Bar Exam again in XXXX of XXXX. The calls have been significantly distressing and only serve to exacerbate an already extremely stressful period in my life. To make matters worse, the calls seem to coincide with the period where I was studying for the XX/XX/XXXX Exam, and the day after I had received news that I did not pass the XXXX exam. The continued unsolicited communications by Nelnet have furthered my stress to a point where I am worrying about the next call, as well as their increasing frequency, rather than focusing on studying and I fear that this harassment will only increase as the deadline approaches and I should be solely focused on passing the exam. I have been losing sleep, and having anxiety attacks from these harassing calls and I fear that they are having a detrimental impact on my mental health.
Company Response:
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Below are the list of accounts that needs to remove : DEPT OF EDUCATION/XXXX XXXX Balance : {$6200.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXX
Company Response:
State: CA
Zip: 90242
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: 1. DEPTEDNELNET Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX, XX/XX/XXXX, as well as 120 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with DEP OF ED/ NELNET and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: 1. DEPTEDNELNET Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX, XX/XX/XXXX, as well as 120 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with DEP OF ED/ NELNET and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A