Date Received: 2021-09-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 2. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 3. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 4. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 5. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 6. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine.
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Department of Nelnet has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education Nelnet Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.
Company Response:
State: TX
Zip: 77578
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: As of XXXX XXXX began overpaying/underpaying accounts allowing some to go delinquent then they sent me to collections. It took a month for XXXX to retroactively allocate funds to underpaid accounts and fix my credit. In XXXX, I pre-paid XXXX and XXXX yet received a letter seeking more money for XXXX. I spoke with them and they claimed that someone turned off prepayment in XXXX and would fix it. A week later I saw my account was asking for more money to cover XXXX. At that point I realized that they were not capable of resolving the issue. I filed a XXXX claim and have been back and forth with XXXX. I shared XXXX complaint and responses with loan and banking professionals. They concur that XXXX made a series of errors and the responses do not reflect an understanding of the problem or resolution. In plain terms, they said XXXX doesn't know what it's talking about or has decided it would rather I make another overpayment to fix their mistake and go away. I do not want to make multiple payments for the same month because XXXX overpaid XXXX account at other accounts ' expense. XXXX needs to learn how to do its job. XXXX needs to go back and redistribute my monthly payment to cover all of my individual accounts so that they are current. Doing so will show that I do not owe any money for the month of XXXX. Failure to do so is evidence that XXXX is incapable of doing what it is paid to do, which is manage student loan payments. In short, XXXX 's only reasonable response to my complaint is to do what it is paid to do, which is take a monthly payment that meets or exceeds the minimum requirement on the statement and ensure all accounts are up to date.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX XXXX was closed and transferred to collections on XX/XX/XXXX. On XX/XX/XXXX I completed loan rehabilitation and the record of default was ordered deleted and my loans were returned to Great Lakes XXXX services. Ive been making payments monthly since that time. My current XXXX XXXX being serviced by Great Lakes XXXX services is XXXX. In a previous complaint to CFPB, Great Lakes XXXX services stated that once a loan is closed and transferred they can no longer make any reporting changes or modifications to payment history on that loan and therefore could not offer remedy for loan XXXX. On XX/XX/XXXX Great Lakes XXXX services reported a late payment of 120 days past due for the month of XX/XX/XXXX on XXXX XXXX XXXX. This is not only a contradiction to earlier claims that they can not change payment history once a loan is transferred but a blatant violation of my rights under FCRA. The rules do not allow reporting of additional late payments on accounts that are settled. Ive attached a copy of my XXXX credit report dated XX/XX/XXXX that shows the late payment reported bu Great Lakes XXXX services and has caused a significant decrease in my credit score. I want this fix immediately or I will be forced to pursue other avenues for relief.
Company Response:
State: KS
Zip: 66047
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: After having difficulty getting a cosigner release form from Firstmark, I filed complaint # XXXX as they would not respond to me. They did provide a release form in their response to you but never sent it to me. On XX/XX/XXXX I sent them a completed application and the requested paystubs. The form requests my permanent address, not my mailing address, which I provided. My mailing address is listed on my paystubs as it needs to be to receive my paycheck. XX/XX/XXXX, Firstmark denied my application because the permanent address provided does not match my mailing address. My mailing address is also the only one they have on my account.
Company Response:
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I, XXXX XXXX XXXX, is submitting this complaint myself and no third party is involved. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive lawful proof from NELNET that approval to collect on the alleged debt was granted in accordance to the UNITED STATES code listed above.
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Request information, contact number or badge number for XXXX XXXX that works for nelnet. Nelnet has refuse to inform me if this person works for nelnet as she has been attempting to contact me. I need documentation that she is employed with nelnet.
Company Response:
State: MI
Zip: 48505
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: THE US DEDPARTMENT OF EDUCATION - Great Lakes Higher Education is reporting to credit bureaus while, these companies continue to ignore all proof of claims regarding a dispute for over 2 months and with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. And an immediate removal of these inaccurate debts. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Company Response:
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: US DEPARTMENT OF EDUCATION continues to ignore all proof of claims regarding a dispute for over 3 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: FIRSTMARK took over our 8 loans ( XX/XX/2021 ) when XXXX XXXX sold our loans. We have twin daughters, XXXX XXXX XXXX and XXXX XXXX XXXX. We, XXXX XXXX and XXXX XXXX XXXX, parents and co-signers. Account Numbers : XXXX and/or XXXX and/or XXXX. Payments made : XX/XX/2021 {$30.00} & {$450.00} & $ XXXX XX/XX/2021 {$480.00} & {$430.00} /XXXX XXXX XXXX {$480.00} & {$430.00} / The process has been ridden with errors and misinformation, Our on time payments were reversed when FIRSTMARK used former banking info from 6 years ago. We did supply FIRSTMARK with the correct banking intuition, I have called to make payments and also made payments at the FIRSTMARK website. We are being inundated with phone calls and e-mails from FIRSTMARK requesting payments. I have answered all calls, given each FIRSTMARK rep the correct/updated info. Our credit rating is being affected. We want to manage these loans, make payments on time, receive and give the correct and updated information. I have e-mailed Firstmark, phoned customer service, waited on hold, reached out for help and have had NO RESPONSE from FIRSTMARK. This company has called me over and over and over again requesting a payment that was MADE ON TIME. The calls are all recorded, please listen to me explain over and over again, request a supervisor to correct or ask for help.. I have requested paper statements, told were not available to print and send. No person has ever called or reached out to us XXXX XXXX, we never had a problem with, Firstmark has the worst customer service I personally have had the misfortune to work with. We have made three payments to Firstmark since XXXX of just under {$1000.00} each month. No action has been taken by Firstmark other than to continuously call and e-mail. Also, there are statements dated XX/XX/2021 for a XXXX XXXX, XXXX XXXX, in New Jersey. This is not me. This entire process borders on harassment. Please I need help. I thank you for your time. Please advise if you can.
Company Response:
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A