Date Received: 2021-09-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX Firstmark Services applied a credit to my account for the amount of {$10000.00}. This made XXXX of my loans be paid in full. On my statement of XX/XX/XXXX, I was not charged for this loan and the loan was removed from the statement. On XX/XX/XXXX I received a letter stating the loan was paid in full, they verified my information and notified the consumer reporting agencies. On XX/XX/XXXX I received another statement with no information on the loan that was stated to be paid in full and amount past due was {$0.00}. On XX/XX/XXXX I received a letter stating I was 24 days past due on the account for XXXX. On XX/XX/XXXX they removed an extra {$93.00} from my bank account over the amount showed on my statement. On XX/XX/XXXX I received a statement with the loan put back on a past due amount of {$93.00} and a payment due of {$93.00} on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating I was 12 days past due for {$93.00} On XX/XX/XXXX I received a letter stating I was XXXX past due for {$93.00}. They also subtracted {$93.00} from my bank account on the same day. On XX/XX/XXXX I reached on to them about how my account. They informed me that I am past due by {$93.00}, they apparently had made an error and made in incorrect payment on my account. I asked for statements showing the error, how they fixed it and correspondence to correct me not being late on payments due to not being notified of the error when they tried to correct it, retroactively applying back the loan and not being late on any statement payments. They said they would get back with me. This took about an hour on the phone to get to this point. On XX/XX/XXXX I received a letter stating I was 10 days past due for {$93.00}. I reached back out to them since this is the first thing I have received since reaching out to them. They informed me I was past due on my account. Had to explain the entire situation again due to them having no notes about it except they had made an error. Was informed again they would reach back out to me. On XX/XX/XXXX I received a statement stating I was {$93.00} past due on the account. On XX/XX/XXXX I reached out to them multiple times to try to correct this error. After multiple calls I was informed that management had reviewed the account and that I owed {$93.00}. No letter, no correspondence, no corrected statements, no reasoning for the error nothing. Just that I had to take it for their word. I did not accept this as I have no statements with correct amounts or any information on how they made an error or corrected it. Was told they would get back with me again and would not correct or figure out the situation with me on the phone and that I would need to wait XXXX business days. After trying to fix this multiple times and getting no where. I feel that this could affect multiple things, like credit report, interests being applied to the loan, higher rates later when I consolidate due to multiple late payments. All this after already taking multiple hours out of my time to try correct an error they made. Also was never contacted by them to inform me of this error once they noticed it and tried to retroactively apply the loan making me " past due '' for a statement I never received. I have also received over XXXX calls from the company with no left messages but when I do answer it is just to inform me I'm past due but not correct the actual issue at hand. This has also affected another loan I have with them due to them applying an inaccurate credit to the account too and them performing reamortization on the account after applying this credit but then taking back out the credit. So now I'm not paying the correct amount on that account but they won't change it now.
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet is servicing my XXXX Loans for me and my school is XXXX XXXX XXXX XXXX ; they are not awarding my aid or applying my loans to my student account to pay for my tuition and fee 's in a timely manner. XXXX has Online XXXX Students wait 3 weeks into a 10 week term before loans are applied to account balances and student 's refunded the difference. In total it is a 21 day process with the term being well into session but we are unable to access our funds and use them toward educational expenses. XXXX does not make their onsite campus students wait 21 days to access their federal student aid and loans, this causes a hardship on the XXXX XXXX XXXX who is an adult and don't live in a dorm. The school says its the lender and the lender and XXXX says it is the school 's policy. I am unsure but I do know it is inequality and unjust and I will keep complaining until we online graduate students are not penalized for being professional students.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: nelnet Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6800.00} Payment Info Status : Current Status date : XX/XX/XXXX Past due amount - Original loan amount : {$4400.00} Monthly payment : {$55.00} Late payments - Account number : XXXX Account status : Open Date opened : XX/XX/XXXX Account type : Education Loan Paid Off : 0 % Balance on XX/XX/XXXX original loan : XXXX Loan Amount : {$23000.00} Contact po box XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX They are claiming I consolidated with them in XXXX, and that my original loan was XXXX, then I have another loan above with them for XXXX now owe a total of XXXX my original loan with college back was a max of XXXX, this is more than my original loan per Federal student aide of what they have posted through nelnet.. federal Student Aide and Nelnet can not produce me any information regarding my loan. Nelnet is fraudulently stating i had a promissory note with them from XXXX however this is not true number one they have not validated this loan with all and any documents further more, it is impossible to have a account with nelnet when another company by the name of XXXX XXXX XXXX through XXXX XXXX XXXX. had my account that was opened XX/XX/XXXX XXXX that would of washed out there so called contract that they are fraudulently stating i opened with them. i cant very well have two companies with contracts for the same years being claimed, billed and owe for the last few years. showing wo complete opposite accounts per XX/XX/XXXX credit report XXXX Account Info Account number XXXX Account status : Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$24000.00} wih owing of XXXX this account i never consolidated and i want it closed completely some one is fraudulently charging me with two different accounts, two different amounts although Nelnet has two separate loans. I have reported this to the attorney general and all other government agency to get this issue resolved every time I have asked for a copy of all my documentation I have not received anything except once thru a secured site a promissory note that was inadequately filled out and with wrong information. I couldn't save it or down load it nor could i get back into the secured site. i have a right to all and anything related to me, all my documentation. I have years of credit reports that show and prove this information i can print them out and sent the ones only regarding the loan if needed. to any and all companies. i do not want to send my whole report the information was cut and pasted from two reports above
Company Response:
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Cant afford to pay right now I dont make the money to afford it at all but Im in school trying to do better but it still bill up
Company Response:
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Department of education/Nelnet has reported information to the credit bureaus without my written consent. No consent is identity theft.
Company Response:
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/XXXX I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX XXXX at XXXX XXXX XXXX. It was with XXXX & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my XXXX & XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF ED/NEL NET was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a XXXX.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I did not sign a contract with them. XXXX XXXX sold the school and left thousands of students un informed and some did not even have a teacher 90 % of the time.
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I did not sign a contract with them. XXXX XXXX sold the school and left thousands of students un informed and some did not even have a teacher 90 % of the time.
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
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 never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Company Response:
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
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: How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A