Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
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 have been sending out letters to the Bureaus to delete those inaccurate information on my credit report especially all those student loans account, they all have different Date of last Active. I haven't received any response regarding these accounts. This stops be of getting approved for any credit and they are hurting my scores.
Company Response:
State: ND
Zip: 58104
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Company has violated FCRA reporting multiple late payments of 120 days on accounts. Company has also disregarded numerous disputes of erroneous and inaccurately reporting items on my report. This company has had over 30 days to investigate which an additional 15 days to furnish their evidence they have not responded to the dispute I demand the comply with Fair Credit Reporting Act and remove these items.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: 1. Correspondence was sent on XX/XX/2021 by consumer and NELNET had 7 days to respond in which there where no response. 2.NELNET received proper endorsement on statement UCC 3-204 and XXXX has not credit the account nor updated credit report, to bring the balance to XXXX See Attachments
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a XXXX XXXX that has worked 11 years in XXXX in the XXXX XXXX XXXX. My student loan journey is not an uncommon one. Upon graduating in XX/XX/XXXX, I was not told about the Public Service Loan Forgiveness ( PSLF ) program or anything of the sort. Not by my school XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA ) during student loan exit counseling or by any one of my several servicers at the time ( XXXX, Nelnet, Great Lakes, etc. ). After my 6 month new grad deferment I started repaying my loans in XX/XX/XXXX. In XX/XX/XXXX, I was told by a former classmate of mine about the PSLF program and immediately requested more info and had to do my own research about it as my servicers were not very helpful at this time. To my surprise, despite receiving government loans for XXXX XXXX, some of my loans did not qualify for the program and that I would need to forfeit 12 months of payments in order to consolidate my FFEL loans to a Direct Loan despite working full time for a qualifying employer under the correct income based repayment ( IBR ) plan at that time. Fast forward 10+ years and I have been lucky enough to help thousands of patients in the public sector through many different issues including helping well over 400+ COVID patients in the last year regain their strength, mobility and quality of life. The lessons I have learned and the relationships that I have gained working in the XXXX XXXX XXXX have been invaluable for my personal and professional growth. I only have 9.5 months left until I can apply for PSLF forgiveness at this time. If that year of FFEL payments would be counted I would have been done by now. Sadly I am not alone. Many others are in much worse shape than I am due to vast malfeasance and misinformation not only by the Education Department ( ED ) but many student loan servicers and schools. PSLF reform needs to happen. That is obvious. A quick internet search can find hundreds of similar stories of the predatory student loan system that has continued to only get worse. The ED and schools need to be giving students ALL the options regarding repayment and forgiveness towards their student loans. I have heard that a 90 day audit of the PSLF program is potentially happening before the currently scheduled payment restart date of XX/XX/XXXX. I am asking not only for a deep dive into current practices but to strongly consider counting the FFEL and any other loans for those that have worked 10 years in the public sector towards PSLF whether it be through the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) or otherwise. We have upheld our end of the agreement by working 10 years in the public sector now it is the governments turn to uphold their end and offer forgiveness. Thousands of employees that have diligently served in the public sector from teachers to healthcare workers to military and every other public job out there across this great country would greatly appreciate it. I do not expect my story to change much with the current student loan landscape that we are navigating but I hope this letter sparks conversation and positive change if not for myself then for the many borrowers that are coming after me. Thank you for your time and consideration, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92008
Submitted Via: Web
Date Sent: 2021-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
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 am writing a complaint on all remarks made on my credit report due to the fact of misused credit by lenders and the unauthorized use of my information for the financial gain of other corporations. Credit Bureaus without my consent and took my information to report on my credit report of accounts that have been created with credit but was not disclosed with consumer. The natural person original creditor. There are 6 different accounts from DEPT OF ED/NELNET All last reported on XX/XX/2021 which I was not informed on any of this information being reported. The price on each account is as follows .... {$26000.00} {$24000.00} {$20000.00} {$20000.00} {$3600.00} {$1500.00} There is no wet signature of mine on any document stating I owe any and or such alleged debt they state I owe. According to 18 USC 8 Obligations of the United States to pay any and all debts arising from consumer transactions.
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Firstmark has stated to me in various calls and letters that they now own one of my student loans. I have requested debt verification on XX/XX/2021 via certified mail. The company has failed to verify the debt with me and has now made my account delinquent on my credit report.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I'm a student of XXXX XXXX and that was scammed by a private student loan agency who the government has now allowed the student loans to be 100 percent forgiven
Company Response:
State: IL
Zip: 62702
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/XXXX I consolidate my private student loans from XXXX XXXX and XXXX using XXXX. For XXXX XXXX, this was especially important because they were in the process of selling my student loan to Firstmark Services. I have a confirmation from XXXX that both transactions were settled, nothing erroneous occurred and from my point of view, I had a new service provider to pay off my student debt. I was able to get the 10-day payoff information handled and the check was sent to XXXX XXXX on XX/XX/XXXX. XXXX XXXX then sent the check to Firstmark Services on XX/XX/XXXX ( according to the phone call I had with Firstmark on XX/XX/XXXX after I received a bill in the mail ). Of course, this to be in error, and on my first call with Firstmark they told me the entire balance was paid off and the representative I spoke to assured me their supervisor was updating the balance to {$0.00}. This call was on XX/XX/XXXX where I spoke with XXXX who assured me her supervisor was updating the balance to {$0.00}, so the fact that I am paying interest for this is beyond me. I received another bill for {$54.00} on XX/XX/XXXX, up very slightly from {$54.00} on XX/XX/XXXX, so I called Firstmark because I assumed it was an error. The representative informed me this amount I am being asked to pay is the interest associated with my account because there was 10 days between when they received the payoff check from XXXX XXXX and when they ( I guess ) started to accrue interest on my loan. For all I am aware, and was aware, nothing should have even been sent to Firstmark past XX/XX/XXXX when XXXX sent the check to the first institution. I called XXXX XXXX and they have claimed no association with this new bill, I called Firstmark and they are saying it is because of the delay involved with XXXX XXXX. I know I am not the first student to feel completely defeated in trying to overcome student debt, and I understand this amount is not large compared to what I have dealt with in the past. However, the fact that XXXX XXXX is able to sell my loan to another provider that doesn't honor the pay-off date feels corrupt. I should not have to pay Firstmark for " hosting '' this student loan balance for 10 days, at a rate of {$5.00} per day, when the check to completely pay off the loan had already been attributed on every other end of the matter.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A