Date Received: 2021-06-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: XX/XX/XXXX I am so tired of XXXX ads on my TV. As a nonprofit, how are these paid for? Im sorely disgruntled. And I am going to fight back. Finally. I tried the XXXX XXXX, but there werent enough characters to explain my circumstances. I was denied. What happened. XXXX I was admitted into the XXXX XXXX XXXX XXXX based on my XXXX in XXXX, XXXX in XXXX XXXX, and XXXX in XXXX XXXX, XXXX. I am smart. However, to achieve XXXX 's XXXX XXXX degree, I discovered that a XXXX in XXXX was required. I flunked out of the program. With a student loan hanging over my head. I had never heard of a thesis statement and was never exposed to how to write a paper based on that. At XXXX, I wrote technical documents, taught technical classes, and went to technical conferences. In fact, I worked so hard at flunking at XXXX, that sitting in front of my computer for hours caused XXXX. As an IL XXXX XXXX XXXX and falling off a pole working my way to school in the XXXX, I had hairline fractures in my XXXX. Sitting and reading English Literature to catch up, caused extreme health issues. I eventually had to get XXXX in my back to alleviate the pain. I cant sit for long periods of time. I tried my best to get a XXXX in XXXX at the same time I got an XXXX in XXXX, but found that it was totally impossible. Im not a quitter. I feel so defrauded. Had the admissions counselor inquired about my reading habits, she would have found that I lacked the background in English Literature to succeed. My reading habits when I was admitted to your program : Any XXXX XXXX XXXX XXXX XXXX short stories History memoirs ( XXXX, Civil War ) I do living history events. Cookbooks ( I have XXXX XXXX Any XXXX XXXX Cooking, preserving, drying Gardening Prepping Writing, memoirs, how-to IT technical manuals XXXX Texas training. I was a paid tour guide. I have read XXXX XXXX XXXX Shrugged and XXXX, XXXX XXXX XXXX, XXXX XXXX, In XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX back in High School, XXXX. Thats it. At home I read XXXX and XXXX XXXX. In the middle XXXX, I was an installer/repairman and barely had time to eat, sleep, and shower. The job was very strenuous, but It helped pay for college. I graduated from college in XXXX, and worked at XXXX XXXX in XXXX XXXX for 23 years. After early retirement, I hoped for a career in Creative Writing. XXXX at that time, XXXX, was the only college I could find. UNFORTUNATELY for me, a career did not pan out. So, because I have been duped, I am filing a complaint with XXXX, FTC, XXXX, Nelnet, XXXX XXXX and sending to my Texas Senators as well as New Hampshire Senators. I failed because XXXX failed me. I can see how the college just loves its online customers and we see ads of those that passed, but dont hear how you have misrepresented the college of those that failed. I do not pay for fraudulent misrepresentation. Ever. Cant wait to post on XXXX, XXXXXXXX XXXX XXXX, and XXXX. Good day,
Company Response:
State: TX
Zip: 77071
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: This is a school debt from XXXX. It has been 7 years and should be removed from my account. In addition, this is a school debt that I am being forced to pay while I am still in school, and have been in school since XXXX. I want the account either updated to show that I have not missed any payments, but preferably I want it removed COMPLETELY from my credit report. Attached are letters proving that this is a federal loan, and this is the only federal loan that is not in deferment because UD sent it to a private debt collection agency pretending it was a personal loan borrowed directly from UD, when it was not.
Company Response:
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have two issues with StudentAid.Gov backed Parent Plus Loans for two dependents at three Universities, covering 9 loans ( unconsolidated ) - 1 ) I can not get information from the Loan Servicer ( XXXX XXXX & Nelnet ) even after engaging the StudentAid.gov Ombudsmen 2 ) Each company, reported derogatory no-payment on loan during the Forbearance Period and 3 ) accrual of interest on the loans after : a ) making more than 30 payments in a 17 month period totaling over {$9000.00} and b ) completing a Rehabilitation Loan Agreement negotiation and execution during the Forbearance Period. XX/XX/XXXX started making $ XXXX/week payments on defaulted loan to.XX/XX/XXXX, XXXX XXXX started negotiation of Rehabilitation Agreement XX/XX/XXXX XXXX XXXX accepted the Agreement and credited to the 9 month requirements payments from XX/XX/XXXXand Ending in XX/XX/XXXX. XX/XX/XXXX, I asked XXXX XXXX to show how the payments had been applied to the loans. XXXX XXXX did not respond to XXXX letter and XXXX follow-up request.XX/XX/XXXX, StudentAid.gov contacted me and said Nelnet was the new servicer of the loan having successfully completed the Rehabilitation Loan Agreement. XX/XX/XXXX, Nelnet contacted me tell me that I needed to declare a new repayment option by XX/XX/XXXX. XX/XX/XXXX, I contacted Nelnet by letter and by on-line account encrypted email system to ask if the XX/XX/XXXXdate was relevant during the forbearance period. I also asked Nelnet to show how the payments were applied to the loans, in a statement form. Nelnet has refused to answer either question. In same letter I asked a new question, to please show the loan origination and principle applications. To be sure, Nelnet is avoiding answering these questions which I have asked them to do so in-writing for two reasons. One, I am not able to record phone conversations and they are not able to share the phone recordings with me. Two, Nelnet confirms in writing that it will not answer any questions in writing or respond to written requests. XX/XX/XXXX, I turned these issues over to the StudentAid.gov Ombudsmen. I have not received a response from the Ombudsmen office but did from Nelnet asking me to contact them by phone. I have responded in the encrypted email system that I am awaiting written responses since I can not record the calls and they will not share the recordings. Please note, the encrypted email message threads are deleted by Nelnet within 5 days of their note and my responses. For that, I was thoughtful enough to do screen grabs of the threads. XX/XX/XXXX, I have been notified by my credit card company that I have significant derogatory notes of missed payments to StudentAid.gov, made by the collection firm XXXX XXXX and then Nelnet for each month during the forbearnance period AND that the balances are accruing interest. I have obtained copies of the credit agency reports by both firms and for each month, there is a missed payment notification and an increasing balance on the loans. The credit card companies are worried and where I live in Colorado, Insurance companies and Employers use this data to qualify and provide pricing on insurance and job change approvals. I am very concerned about these two issues and less about their violation of the Forbearance Period issues. I have almost 60 pages of documents so I have i have sent less than 10 MBs. I may need you to provide an email for me to send the rest of the documentation. I have scanned most at 200 dpi to reduce sizing which reduces quality of text readability.
Company Response:
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My student loan with a balance of about {$1200.00} is being reported incorrectly. It is currently held though XXXX XXXX XXXX. They have held the loan since XXXX and have not reported the loan as current or any of the payments that I have made. The loan is still listed as held by a prior servicer and in default. This is causing continued damage to my credit and affecting my ability to refinance other loans.
Company Response:
State: NY
Zip: 14094
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: XX/XX/XXXX, XXXX " Determination of Relief '' Student loans that were approved for discharge through borrower defense repayment have not been discharged nor was there any communication from servicer about details after approval from Department of Education . Additionally, interest on student loans have been accruing during COVID-19 pandemic.
Company Response:
State: CA
Zip: 94014
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Dear Sir or Madam, I have a private student loan originally taken via XXXX XXXX, the loan amount about {$100000.00}. I have always made regular payments. I had opted for electronic document delivery in which XXXX XXXX maintained my statements and documents ; any time I needed them I only had to login to XXXX XXXX. This year, XXXX XXXX announced they were exiting the student loan business and my loan would be transferred to Firstmark Services, a division of Nelnet. I was reassured by XXXX XXXX that the transfer would be seamless, I would be able to access all of the information regarding my loan, for example statements, tax statements, etc. with XXXX as I was with XXXX XXXX. My loan was transferred, the automatic payment process was seamless. I did have some initial minor problems in registering for my Firstmark account, however this was resolved upon calling Firstmark customer service. My monthly statements and other documents were not transferred. These are important to me as I periodically need these when I balance out my home accounts and budget. I contacted XXXX XXXX kindly requesting that they transfer my statements and documents to Firstmark. They responded that the people at Firstmark are who I should be contacting as they are now 100 % in control of my loan and loan servicing, would have this information to provide as all was transferred to Firstmark. I contacted Firstmark customer service with a very simple request, quote, " please provide me with my monthly statements that I had when my loan was being maintained by XXXX XXXX. '' Now I don't think this is a particularly hard to understand non unreasonable request particularly as this loan amount is big and clearly profitable given I have never been delinquent on this or any loan for that matter, and make regular monthly payments as agreed and plan to continue to do so till the loan is paid off. All I want are the monthly statements I could access with XXXX XXXX accessible to me once again. And if they can't get them all, then at a minimum, the statements from this year for XXXX, XXXX, XXXX, XXXX and XXXX. And failing the above, then if they can just tell me for each of the months this year, thus XXXX, XXXX, XXXX, XXXX, XXXX - of each of these payments, how much went to principal and how much went to interest as these 2 details are the 2 critical details I need to enter into my accounting and budgeting software. So I don't think this is too much to ask however Firstmark at the moment seem entirely unwilling to provide me with this information. As a sidenote, I have not received my tax documents related to this account, Firstmark seems unwilling to provide this to me either, although at the moment I am not in need of this, however will need it in due course. I would be grateful for your help in communicating with Firstmark, hopefully the result will be me getting the information I need. Although I feel I have made my request clear, it might be you may be able to communicate what I need in a different more understandable manner.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
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: XXXX XXXX - Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! DEPTEDNELNET - This account is also showing to be 120+days past due and shows a scheduled payment amount. Again, if this account has been transferred and this company no longer owns it, can they report this information? Answer is : No. You need to correct the current status to say : Paid as Agreed and remove all the negative information immediately. DEPTEDNELNET - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay.
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have to repeatedly contact Nelnet via complaints on the XXXX XXXX XXXX because they do not respond to anything else, their customer service is so poor. I have been asking for an income based repayment plan that matches the federal statues since the pandemic began, which has been a STRUGGLE. Additionally, I had to leave my home quickly to XXXX XXXX from my neighbors, who are XXXX XXXX and I wrote Nelnet asking them to send my documentation to an alternative address and I stated that I have not received anything they claim to have sent. Instead of acknowledging this and making the change, Nelnet sent me a non-response, response ( which is typical for them ). Refused to make the change of address and I STILL do not have any of the documentation that was requested in the first place. I am filing this complaint to get my address changed as requested and new copies of the IBR and documentation requested. It is IMPERATIVE for safety reasons that no further documentation be sent to the previous address on file from Nelnet.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am the parent of XXXX active college students and XXXX recently graduated college student. My sons have used " South Carolina XXXX XXXX '' website to get loans that are serviced by Firstmark services. Firstmark services has repeatedly misapplied payments I have made to the various loans my XXXX sons have with them, in some cases applying it to different accounts than what was submitted on the checks sent to them from XXXX XXXX XXXX. I am filing this complaint since this is as at least the 10th time they have had issues correctly applying payments to the right accounts. This has resulted in errant late fees, multiple calls to me for " late '' payments, & multiple calls from myself & my sons to them to get fees waived, payments reapplied correctly & payments sent to correct the
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XXXX XXXX XXXX transferred ownership of the loan to XXXX. However, XXXX XXXX has incorrectly reported that my account is " Closed '' " Not in good standing ''. I have not missed a payment since XXXX with XXXX XXXX and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. I have contacted : XXXX, XXXX and XXXX in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, XXXX XXXX has not clearly reported account updates to all 4 major credit bureaus.
Company Response:
State: VA
Zip: 227XX
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A