Date Received: 2021-04-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nelnet has reported to credit bureaus that I was past due in XX/XX/2018 on 20 separate accounts. This is inaccurate. I was attending school on XX/XX/2018, which means there should not have been anything due at that time period. Nelnet refuses to remove the derogatories despite being informed of the inaccuracy.
Company Response:
State: CA
Zip: 92011
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX XXXX I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. XXXX XXXX : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. NelNet : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XXXX XXXX XXXX. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. I have spoken with XXXX, NelNet, XXXX XXXX, and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.
Company Response:
State: MO
Zip: 63114
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
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: There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to the Department of Education / Nelnet via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Dept of Education / Nelnet has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Good day, My son obtained a loan from XXXX XXXX in the Fall of 2018. Recently XXXX XXXX sold off the loan to Firstmark Services. We were under the Federal loan forbearance with XXXX XXXX, of which Firstmark Services is now trying to collect the debt. Are these loans still under Federal forbearance or can they now just claim them as private loans? Thanks for any additional information. XXXX XXXX
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My daughter 's student loans ( I'm the cosigner ) have recently been transferred from XXXX XXXX to Firstmark Services. Many letters were received but none referenced her new XXXX account number. I mailed a personal check on XX/XX/21 ( the check was dtd XX/XX/21 ) to the specified XXXX XXXX in XXXX XXXX. Along with the check I mailed detailed information ( personal info for my daughter so they could identify her account ). This check cleared my bank account on XX/XX/21. I've repeatedly contacted XXXX 's customer service dept. by phone asking them to post this payment against the account ( it is showing past due and I'm receiving emails multiple times per week threatening to report this late payment to my credit ). After asking to speak with a supervisor I was told on XX/XX/21 that the only way they would do anything was to upload proof of payment to their portal. I did this on XX/XX/21 and this has been acknowledged on every call to them since. They still, however, have not posted the payment. Each time I call I get a different promise date for posting. Today I was told that they couldn't give me a date for it to be posted as these matters are handled in the order in which they are received. The customer service person told me this would not be reported to my credit or my daughter 's credit but when I asked for that in writing she said she could not provide that. The payment was due on XX/XX/21.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I need help with a private Nelnet/Firstmark student loan. I am currently on XXXX and held a Nelnet Federal Loan as well. The Federal loan was forgiven. The Nelnet /Firstmark private loan they will not forgive. I am XXXX years old and on Social Security XXXX. I took the loan out when I was a single mother struggling to pay my bills and went to school to be a XXXX where I never made any more than {$3200.00} a year. The loan of {$12000.00} was disbursed on XX/XX/XXXX at a variable rate of 4.750 % and the current balance of {$13000.00} ( 15 ) years later. My ex-husband was a cosigner on this and they continue to call him for payment. I have asked that they stop since we have been divorced since XXXX but they continue to call him. They refuse to forgive the loan as they say that the underwriter will not permit it since it works differently than my Federal Loan. The idea that I need to pay this in full or at all seems to make no sense at all. Firstmark continues to report to credit agencies as in collections since I have not paid anything on these loans and my credit rating is suffering. My ex-husband 's credit is also affected. I am told there is no more forbearance left on this account, current covid relief for student loans does not apply. There are no payment adjustments and no forgiveness for this loan. I would appreciate any help, suggestions, guidance as to how to navigate this. It seems ironic that after graduation, I worked as a XXXX for plaintiffs attorneys and clients that were injured and/or taken of financially while making very little money while supporting myself and my daughters as a single Mom and now that Im XXXX years old on Social Security XXXX Im dealing with this. I would very much appreciate any guidance you may have to offer.
Company Response:
State: NJ
Zip: 08050
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've had my student loan transferred from XXXX XXXX to First Mark Services. It was setup on autopay at XXXX and I saw the account disappear awhile ago on XXXX website. I've been receiving a ridiculous amount of email and paper mail from XXXX XXXX explaining that they're transferring student loans and to wait for FMS to pick up payments. I've not received a text, email or letter from FMS and it is not 2 days after my student loan typically auto deducts. I'm currently trying to call them, but A LITTLE COMMUNICATION WITHIN WEEKS should be expected. XXXX XXXX has confirmed that intentionally delaying the transfer/setting up auto payment would be financially beneficial for FMS.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I originally filed a complaint on XXXX and have a password but I was locked out of my college XXXX in XXXX and ran into more problems when enrolling at XXXX. Apparently since me and my husband are now separated and there are more issues w that- they need formal documentation of our separation that Texas doesnt have other than a divorce. When I was hacked XX/XX/2020 at XXXX XXXX my life unraveled and I lost all recourses in the form of work, school, family, vehicle and funds. I have begun unraveling documents and this is way to big for me and I had asked for legal shields help but was unable to communicate due to my accounts changing with passwords, internet router problems and all phone companies. There is something wrong w my taxes and I havent a clue what since that password changes all the time and getting help rom turbo tax is useless. My credit reports/freeze acts even changed. Anyways my complaint iD is XXXX. Please offer suggestions- thank you so much. XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A