Date Received: 2021-07-20
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: Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX {$3300.00} Loan Amount {$3000.00} It states I was late on payments XXXX, XXXX, and XXXX of XXXX. I continued to go to school so there for I did not have to make payments yet on this loan.
Company Response:
State: CA
Zip: 93245
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have a number of private student loans with Firstmark Services. I am trying to refinance my loans to lower my monthly payment. I've called Firstmark Services serval times ( XX/XX/XXXX, twice onXX/XX/XXXX, and several times in the prior weeks ). When I contacted them about lowering the payments, they informed me that they only service the loans. They are not the lender and can not change the terms of the loan. The original lender was XXXX. I received a letter from XXXX on XX/XX/XXXX informing me that they had transferred the servicing of my loans to Firstmark Services. ( By the way, Firstmark Services says they can not do any modifications only forbearance. ) When I asked Firstmark Serrvices for information on the lender, the name I was given was XXXX XXXX XXXX XXXX XXXX ( XXXX ). When I asked for contact information for XXXX, I was told that since XXXX had sold the loan to XXXX in early XXXX, they did not have the contact information for me. I tried looking online myself and also could not find a phone number. This is completely unacceptable! I am paying monthly on loans and can not get the contact information for the lender. I am concerned that these banks and servicers are intentionally making it difficult for consumers. ( On a related note, I was told by Firstmark Services that I should seek to refinance my loans through a 3rd party lender. I tried that option but was unable to do so because I have a high debt-to-income ratio ( even though I have a high credit score and never miss payments ) It is precisely because I pay so much in student loans monthly that I need to reduce my monthly loan payments. )
Company Response:
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: i received 2 receipts of disbursments sent out on XX/XX/XXXX but never received the checks
Company Response:
State: LA
Zip: 70560
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Once again I'm sending a complaint in for XXXX XXXX XXXX about reporting on my consumer credit report without my consent. On XX/XX/2021 I reported improper use on my credit report by XXXX XXXX XXXX to the CFPB, they responded back saying it's a unauthorized third party on XX/XX/2021. I am the consumer XXXX XXXX sending these unlawful practice information being use by XXXX XXXX XXXX. Please remove all Great Lakes account from consumer credit report information. According to FDPCA, XXXX XXXX XXXX violated 15 U.S.C 1692 ( c ).
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: When applying for a credit card XX/XX/XXXX, my application was denied. XXXX revealed XXXX student loan accounts opened with my name as a co-signer by my father XXXX XXXX. The debts amount to {$340000.00}, all dating back collectively to XXXX. I never authorized permission for my information to be used for any of these student loan accounts. Since XXXX, I have never received any phone calls/mail invoice regarding these accounts. I have managed to clear these fraudulent records from my XXXX and XXXX reports. However, NELNET continues to report these accounts as accurate to XXXX I have contacted NELNET, received their identity theft forms, and returned their requested notarized documentation late XXXX. I have not received any confirmation the requested documents were ever received during subsequent phone call correspondence. SPECIFIC ISSUES : My SSN does not bring up the fraudulent accounts with NELNET. I could only utilize my fathers information to reveal the accounts when on the phone with NELNET. XXXX website issues preventing convenient access to dispute status.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX Nelnet, Dept of Education continue to report and include INTEREST on my federal student loans. I have continuously tried to file disputes but XXXX keeps accepting this information as accurate. Since COVID, until XX/XX/2021 they are not supposed to charge interest on student loans but they have and they have added it to my credit report, which I have disputed with no resolve. From the federal student aid website : Coronavirus and Forbearance Info for Students, Borrowers, and Parents At the U.S. Department of Education ( ED ) office of Federal Student Aid, we are actively monitoring the coronavirus/COVID-19 emergency. COVID-19 Emergency Relief Flexibilities Extended Through at Least XXXX XXXX, 2021 The COVID-19 emergency relief flexibilities include but arent limited to the following relief measures for ED-owned federal student loans : a suspension of loan payments a 0 % interest rate stopped collections on defaulted loans
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Recently, I reviewed my XXXX credit report to learn that they're were 16 negative reports posted on my account that is affecting me credit score. When I reached to the debt collector about this problem they told me that the debt can not be corrected unless I was in the military or school during the 3 month period XXXX XXXX, XXXX, XXXX XXXX. First, I was unaware of this negative action since my other accounts had no reflection of 16 student loan account being in a negative status. Second, they told me that I did not call in to notify them to continue my financial hardship plan. I was not aware about this and I tried to get a permanent XXXX note from a doctor. Third, Does 3 months really have that much of an impact and can't this be corrected with some kind of adverse action? I also explain to them that all student loans should be in a positive status since there was a federal extension applied until the end of this year. I was furious about this matter and requested to speak with a supervisor for being penalized for 3 months. Why did Nelnet report 3 missed payments to the credit bureau 's when they never contacted me about this matter and since I tried to apply for a XXXX application those 3 months should have been forgiven. I was out of school for a period of 3 years until I re-enrolled the same year when the 3 months was reported.
Company Response:
State: NJ
Zip: 08865
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I submitted a request to FirstMark Student Loans to complete a form for my employer to verify how much I have paid on my loan for the past year for reimbursement purposes. It has been over 30 days and despite multiple assurances it has been expedited, I still have not received the completed form.
Company Response:
State: TN
Zip: 37601
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and opened many accounts without my permission or authority.
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've been trying to dispute matters with the student loans Nelnet, SC State and XXXX inaccurately reporting late payments. This been going on since XXXX 2021. They keep saying they don't have any late payments and I've been clearly sending them reports showing all the 90,120 day late 's and its hurting my credit really bad. I had XXXX this year and it affected me tremendously but then I also had my loans consolidated recently. They are just reporting inaccurate information on my credit report and it has to stop. By law I have rights and they are abusing the credit law 15 U.S. Code 1666 ( b ). I need all those late payments removed from XXXX from Nelnet, SC State and XXXX because this is inaccurate information.
Company Response:
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A