Date Received: 2021-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. P
Company Response:
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 11. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 12. Identity Theft XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 17. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 18. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 20. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 21. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 08721
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Called into Nelnet after a primary wage earner layoff in XXXX to discuss Covid forbearance options? Was told all loans were in forbearance and to not worry. Now a year later we called to check in. And were told our loans were not in forbearance and Nelnet has accrued {$2000.00} in interest on the account. No paper records were sent out to notify us that we did not qualify for forbearance because our payment schedule was advanced because we had been paying ahead. No paper documents were sent out to notify us of this nor notifying us that we had to apply for forbearance because our loans were prior to XXXX. Nelnet stated they called but left no messages, no paper documents were sent. We are very disgusted with this business practice. Looking for other individuals who also had this happen to them. Looking to band together For class action lawsuit. Email
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX never sent any documentation over to XXXX XXXX about my student loan tpd to XXXX XXXX as stated by them and nelnet says it sounds like when I first started my tpd it was a different process but either way I sent over my 1099c form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. Nelnet told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX 2.0 score dropped 28 points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to nelnet also the loan department of nelnet has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also reliant a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I contacted Firstmark Services to inquire about my loan terms because what I was seeing on my " welcome letter '' didn't match with my expected loan terms from XXXX XXXX. Roughly six weeks ago, and four or so additional times between now ( XX/XX/2021 ) and then, I asked Firstmark to send over their copy of my original promissory note so that I could verify my loan terms. They repeatedly told me that it would be coming " in a few days '' but have so far never delivered. I am concerned because those loans are coming due and I want to make sure I'm paying the correct amount.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 91722
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello upon receiving and reviewing a response from Great Lakes student loan summary there was an attempt to settle the alleged debt owed in its entirety in exchange for the original instrument of indebtedness in its original form. There have been 3 attempts to settle the alleged debt and Great lakes has refused to acknowledge or confirm to accept full payment of the alleged obligation in consideration of the delivery of the original instrument of indebtedness in its original form and has refused to show In a letter dated XX/XX/XXXX by Great Lakes from " XXXX ''. A copy of some Federal Direct Consolidation Loan Application and Promissory Note was provided on behalf of the Dept or Education. Your client, the Department of Education, claims that it holds legally binding promissory notes. Your client is responsible for validating such claims and the corresponding monetary demands. In accordance with case law, ( citing ) as assignees, the XXXX Agencies and other secondary holders step into the shoes of the lender from whom they have taken the promissory notes and are subject to any defenses that the student/obligee may assert against the assignor/lender. See Jackson v. Culinary School of Washington, 788 F. Supp. 1233, 1248 n.9 ( D.D.C. 1992 ), reversed on other grounds, 27 F.2d 573 ( D.C. Cir. 1994 ), vacated, 515 U.S. 1139, on reconsideration, 59 F.3d 354 ( D.C. Cir. 1995 ). Please note that the above citation is applicable to the time period during which college was attended and the alleged loans were made. Accordingly, I request that your client furnishes copies of the following documents : 1 ) Exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists. During the dispute process neither you or your client have been able to show that I received any student loans either directly or indirectly, as tuition support. However, I did receive, Pell Grant and work-study financial aid that covered the cost of my attending College. 2 ) Copies of original documents that meet the Uniform Commercial Code ( UCC ) requirements for legally binding promissory note debt instruments. The partial, front-end copies of the Application and Promissory Note documents that I filled in and your client has furnished, are financial aid applications. As such, these documents do not contain the following information that is necessary for a document to qualify as a legally binding promissory note : The exact principal amount that has to be paid. The partial copies of the Application and Promissory Note documents that were furnished to me state that the principal can be the amount printed in the loan application, or less, which then also includes XXXX ( {$0.00} ). Specific interest rate. Due date, and when and at what frequencies any money has to be paid. Further, a promissory note must be an unconditional promise to pay. The signed partial copy of the Application and Promissory Note financial aid document on its own is not an unconditional promise to pay, because the financial aid applicant may not receive any loan at all, or may receive the loan in the future at an unknown point in time, in which case the loan amount will be disclosed to the borrower in the Notice of Loan Guarantee and Disclosure Statement. That is, the Application and Promissory Note financial aid document does not state with certainty that the financial aid applicant will receive or has received any loan amount at all. If the applicant does not receive any loan amount, then there is no debt or debt obligation. Therefore, the Application and Promissory Note financial aid document on its own qualifies at the most as a conditional promise to pay, dependent on the content of the Notice of Loan Guarantee and Disclosure Statement and any other documents that the applicant will sign when receiving a loan. Accordingly, as was pointed out above, if your client claims that lending and borrowing transactions occurred, your client must furnish relevant signed documents that amount to legally binding promissory note debt instrument and to unconditional promise to pay. 3 ) Two-sided ( duplex ) exact copies of the two-sided original ( duplex ) Application and Promissory Note documents. If your client is the actual legal owner of the alleged debt, then your client must have the original, fully qualifying Promissory Note documents in its possession. So far, your client has furnished copies of the front end of the two-sided Application and Promissory Note documents, and separate copies of what could be the back ends of any persons documents. Nothing links these copies reliably together. There is no information on the separate copies of the back ends that relates them reliably with the front ends of the Application and Promissory Note documents. I do not accept the unidentifiable separate back ends as parts of the same documents. Any person who handled these documents could have made a copy of the front end of my financial aid applications, and the back end of another persons financial aid applications, and put them next to each other either accidentally or intentionally, claiming that these two copies belong together as one document. Similarly, please do not send me two-sided copies that are made from copies. Such copies can be made by putting together two sheets of paper and copying both sides as if it were one document. Such act would be equivalent to forgery. Therefore, please have each document notary certified, stating that the document is the exact copy of the original document, not a copy of a copy, and the copy was made in the presence of the notary who certifies it, and which company or organization currently holds the original document. Based on the available information, qualifying Promissory Note documents in this case do not exist at all, and your client does not have even the original two-sided ( duplex ) financial aid Application and Promissory Note documents in its possession. Thus, based on the available information, your client has partial copies of irrelevant documents, created internal records and now claims ownership of an alleged debt. Without existence of the corresponding lending and borrowing transactions and the relevant documents. Such internal record creating does not create debt. I have requested debt validation in this case since XXXX of XXXX. Your client has repeatedly failed to validate that ( 1 ) I received student loans and that any debt actually exists, and ( 2 ) that your client holds valid legally binding promissory note debt instruments, and ( 3 ) that your client is the legal owner of the alleged debt. If your client is unable to validate the debt as requested above within 30 days of your receipt of this letter, you and your client must stop making any further monetary demands and state in writing that the Department of Education will not under any circumstances make any further demands regarding the specific previously claimed alleged debt, and will not authorize any individual, company, organization or institution to make any kinds of further demands regarding the specific previously claimed alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In 2014 XXXX University indicated that myself nor my student son qualified for a loan to cover room and board. Later it was determined that my son alone qualified and opened a loan in both our names. Shortly after my son withdrew from the school due to a safety breach however the loan remained enforced. Why keep enforcing a room and board loan for a student that withdrew ( for safety reasons ) * See attached message from school. My son recently informed me that this loan was removed from his credit reporting. I would like verification that the account is closed and also removed from my all credit reporting. It should have been removed at the same time. This makes the schools business practices questionable.
Company Response:
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Hello - I received a predatory call from Great Lakes Educational Loan Services , Inc. where they posed as my student loan servicer and received my personal information before I figured out they were not who the actual loan company. The agent was quite rude when I questioned his intent and got verbally abusive on the phone. Now, after this contact I'm concerned that they may use the information I provided for means that I do not approve. I do not appreciate their deceptive rude tactic and would someone to reprimand them for these practices. This practice of calling a list of people with student loans is very tricky and disturbing. Company info based on the phone number XXXX search match. Great Lakes Educational Loan Services , Inc .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2021 I sent a certified letter requesting compliance by Great Lakes Educational Loan Services Inc. to provide me the original instrument of Indebtedness for the following accounts : XXXX XXXX XXXX. I asked that they provide me documentation showing a wet ink signature ; which I did not recieve. I re-sent the request on XX/XX/2021 and as part of their response, I received a statement saying that a digital signature was acceptable ( see attached ). I disagree and ask that I be provided a promisary note bearing my signed, wet ink signature as asked and as required by law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A