Date Received: 2021-11-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am writing because I found some information that is inaccurate on my credit report. You are reporting a 90 days past due on XX/XX/2021 on the Nelnet Loan Services, Incorporated account ( s ). This is not true, I was not 90 days late on XX/XX/2021. Just 30 days prior, on XX/XX/2021, the account ( s ) were reporting as OK.
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: My student federal loan was forgiven, and has not been taken off my report which is very deceptive.
Company Response:
State: MI
Zip: 49006
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
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: In XX/XX/XXXX Firstmark reported 90 days of missed payments for a student loan that was transferred to them in XX/XX/XXXX from XXXX XXXX. Firstmark Services initiated repayment status of this loan in XX/XX/XXXX however I did not receive notice of this until I started getting phone calls on XX/XX/XXXX at which point the payments were already 90 days overdue for a balance of {$300.00}. I discussed with Firstmark that I had not received any of their paper mail correspondence and had not received any phone calls or electronic communication until this point, so I had no way of knowing this change in status. I also explained that since I completed my degree in XX/XX/XXXX I should still be in a 6 month grace period until XX/XX/XXXX. I was told varying conflicting information from Firstmark representatives such as I had gaps in my enrollment ( no rep could consistently tell me when the gap was ) and that the 6 month grace period had been used prior to XX/XX/XXXX. They instructed me to contact the XXXX XXXX XXXX to verify my enrollment history and in the meantime I was placed in Return to Grace status on XX/XX/XXXX and told I did not need to worry about the payments or any adverse credit actions. I also provided Firstmark with documentation of my other private loans that were in the 6 month deferment status post degree completion to confirm that other lenders had not reported usage of this deferment status prior to XX/XX/XXXX. After the XXXX XXXX XXXX confirmed there were no gaps in my enrollment Firstmark changed their reasoning of why I was ineligible for 6 month deferment stating it was related to the terms of my loan and unrelated to my enrollment status. Had I had knowledge of and then failed to pay the balance then I would agree with their action of reporting to the credit bureau however, that is not the case. I am disputing their negative reporting on the basis that it is impossible for a borrower to pay a bill they never received and even more impossible for them to pay it on time. In addition to not receiving the bill I was never notified of the change in loan status and was under the impression I was still in my 6 month grace period that would have initiated upon graduation in XX/XX/XXXX. Firstmark is acting unfairly by reporting late payments despite their knowledge that I did not receive their correspondence and consistently has tried to create loop holes to justify their actions. As a lender they have the responsibility to provide me with accurate and timely information about my loan however every time I call I am told conflicting information regarding this 6 month grace period. When I request documentation of the information they are referencing they can't provide it. My current address has been listed on my Credit Report since XXXX as well as the mailing address I gave them for billing both which Firstmark would have had access to when they ran my credit report in XX/XX/XXXX. Instead they billed an old address from XXXX and made no other efforts to contact me until XXXX. I also have call logs to confirm Firstmark did not call prior to when the bill was already 120 days past due. This company didn't even give me the courtesy of calling me during the time frame when I could have made the payments and prevented negative credit history marks. Even if XXXX XXXX did not pass along that updated information at the time the loan was transferred in XX/XX/XXXX Firstmark made no efforts to verify the address they were billing or make sure it was up to date based on the records and Credit report they had available. For all I know those letters could have ended up at the North pole with Santa. To have my credit affected by a company who knows I did not receive their bills is unfair and frankly unethical. This loan company if nothing else has lost their ability to treat humans as humans and refuses to admit when they make mistakes even at the expense of their customers. If knowingly sending bills to the wrong address and then consistently changing your story about it, is the " best '' a company can do then they shouldn't be a company.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
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: I borrowed {$12000.00} USD from a loan provider by the name of Great Lakes while attending XXXX XXXX XXXX. That loan was in deferment and during the COVID 19 pandemic, the loan provider claimed that I'm a delinquent. This goes against former president Donald Trump 's executive order to place all student loans on temporary hold. They've ruined my credit. I no longer owe them money either. This must come off my credit report because it's unethical of them to go against the president 's order and we were in the middle of a pandemic. I can not resolve the issue via the credit reporting bureau.
Company Response:
State: NY
Zip: 11104
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
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. I have a loan with NELNET LNS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET XXXX XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} XXXX NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET XXXX XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00}
Company Response:
State: MN
Zip: 55448
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I reached out to Nelnet regarding the inaccurante reporting that my student loan was 90 days past due XX/XX/XXXX and XX/XX/XXXX. I was on a forbearance plan and was not delinquent. I was advised that when the paperwork was submitted to XXXX that it would apply to Nelnet as well. I submitted the paperwork to XXXX and was still reported as 90 days in XX/XX/XXXX and XX/XX/XXXX.
Company Response:
State: IL
Zip: 60048
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XXXX XXXX I mailed a debt validation letter to GREAT LAKES in regards to a loan listing they alleged I owed. In pursuant to 15 USC 1692g I have the right as a consumer to request validation of any debt someone allege I owe them. I received a response letter from GREAT LAKES dated XXXX XXXX, which did not validate the alleged debt I owe them. In fact the response letter didnt mention anything pertaining to a debt as I requested validation for. GREAT LAKES has violated several of my consumer rights, by not providing me with competent evidence that I owe this alleged debt theyre claiming I owe them, as I noted in the attachment labeled EXHIBIT A. In addition to the EXHIBIT A sheet Ive attached my Affidavit of Truth and CEASE and DESIST letter, which were mailed to them on XXXX XXXX.
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
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: This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is 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.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
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: This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is 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.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I applied for the loan but never received a full discloser on the full contract. I tried to lawfully discharge the alleged debt but Great Lakes Education Loan Services could not provide me with my original negotiable instrument or tell me where it is located. I asked them to either stop reporting I owe them or provide with the original contact they responded XXXX not with my lawful remedy. They plan on starting my monthly payments and I will sue for abusive debt collections ( 15 USC 1692 ) if they do not stop reporting to the three credit bureaus.
Company Response:
State: OH
Zip: 43609
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A