Date Received: 2021-03-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: An affidavit of truth was sent to GREAT LAKES and received by them on XX/XX/21 along with a invoice for the amount due for laws violated. A letter was then sent back to me stating that they would respond in 30 days as this is not a proper response for an affidavit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I paid off my Firstmark student loan on XX/XX/XXXX. I called in today ( XX/XX/XXXX ) to ask that the account be updated to reflect PIF instead of in repayment. I was told that their systems take 20 days to update from rpmt to PIF, to allow for bounced payments, etc. I then requested that the PIF status be expedited, and was denied. I asked when my account reports next to the CRAs and was told that Firstmark is a month-end reporter ( so, XX/XX/XXXX ). However, if it takes 20 days to update the account to PIF, my thought process is that on XX/XX/XXXX the account will report open/current with a {$0.00} balance ( illogical reporting condition ).
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loan was originally with Great Lakes. I have been paying on my loans since the mid XXXX. I borrowed around XXXX. My loan was up as high as XXXX for many years. I had paid it down to close to XXXX or so by paying more than the amount required. Suddenly, my loan was sold to Nelnet. The terms changed, and my loan though I am paying more per month, one of my loans is actually going up. I am not significantly impacting principal, but based upon the document they just sent for interest paid for 2020 ( approx 1,400 ) I am not impacting interest either. They are applying my money to future payments, while claiming to charge daily interest. Furthermore, they told me my loans were not eligible for the cares act interest freeze. During the time I have been paying this loan, I was an XXXX XXXX for five years, I served in the United States XXXX in XXXX, I served as a XXXX XXXX for 8 years, and XXXX XXXX for 8 years. I suffer from XXXX and other service connected injuries I sustained as a result of my service. I also suffer from a XXXX. I am currently 90 % service connected, but to get to this point I spiraled down unknowing, but I have never missed a payment. I have more than paid this loan back. I have paid my home loan down faster. This loan boarders on predatory. This is really unfair.
Company Response:
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XX/XX/2020 and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : ACCOUNT MANAGEMENT SER Account Number : XXXX
Company Response:
State: CA
Zip: 91040
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In the beginning of COVID ( XX/XX/2020 ) I was told that all of my student loans would be put into a COVID relief program, like many other companies I was told no payments needed to be made for 6 months. Then in XX/XX/2020 I received a FICO credit alert that my score had dropped due to being 90 days past due. I called Nelnet and was told there was an error and " somehow a few of my loans weren't put in the COVID program ''. Their error resulted in this delinquency reporting to my credit. When I asked her to correct it I was told she could add the other loans to the program but she could not fix the credit reporting.
Company Response:
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This loan was supposed to be closed out because the school was closed down and I was pulled out of class for purposes at the time I was unaware of the situation. I had just wanted to go to school
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
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: Nelnet has been reporting inconsistently on my credit report. I have 13 loans with nelnet but 1 account number. Each loan has a different date of being late. I only pay 1 time a month. So it doesnt make since for it to be a different date on each loan showing Im late. Recently nelnet has reversed one of the late payments on the loan and kept all the rest of the loans late. They have the same account number and I pay 1 time a month.
Company Response:
State: MN
Zip: 55119
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This is the letter I sent to XXXX XXXX : I graduated from University XXXX Wisconsin XXXX in XX/XX/XXXX. I technically was done with school in XX/XX/XXXX as I had a final XXXX class to complete. I participated in the graduation ceremony in XX/XX/XXXX. I have been in repayment on my student loans since mid-year XXXX at least. My student loan servicer was Great Lakes for quite some time. I made regular payments to them as soon as I was required to do so. I always made biweekly payments ( a payment every time I was paid from my job ). I had these payments going out through my bill pay account automatically. I always completed any renewals required of me, submitted any verification requested and provided verification of my public service employment. I NEVER requested any deferments or forbearances at any point since Ive been in repayment. I refinanced to XXXX XXXX in XXXX as I heard this was the servicer one needed to be using in order to qualify for the PSLF program. After the financing was completed, I noticed they only counted a minimal number of the monthly payments I had made toward the PSLF. I contacted both XXXX XXXX and Great Lakes a MULTITUDE of times requesting verification of my requests for deferment or forbearance on my student loans since my graduation. This request has never been able to be provided to me. Additionally, I have requested from Great Lakes my payment history since the inception of my repayments MANY times and have never been successful in ascertaining specifically what Ive requested. After about the 100th time calling XXXX XXXX requesting answers, I spoke to a wonderful agent who listened to me cry and told me if I could provide verification of the payments I made to my student loans they could be counted toward the PSLF program even if I was in deferment or forbearance ( despite me NEVER requesting these!! ). This was the best news I could possibly receive, although it is devastating someone couldnt have told me these years earlier. Unfortunately, my banking information only goes back 7 years so I am unable to produce record of any of my payments from XXXX and XXXX ( except for XX/XX/XXXX ) because of this. Had this information been relayed to me the numerous other times I called, I would have been able to obtain these records. Additionally, if Great Lakes would provide me the correct information Ive requested multiple times, I would also be able to document my payment history back to XXXX. The ONLY time I was ever in Deferment was when I enrolled in school again in Spring of XXXX but that was an In-School Deferment. I am sending in EVERY SINGLE BANK STATEMENT I have back to XX/XX/XXXX with each payment Ive made highlighted. Ive also created a spreadsheet detailing the year of the payments and the corresponding dates. I have tallied how many payments Ive actually made and counted the totaled the dollar amount Ive actually paid. In counting the number of payments made I counted biweekly payments as ONE payment per month. Additionally, I have included current forms from my current and past employers, which have also been sent in before and approved, but I wanted to cover ALL my bases. I have been in Public Service employment Full-Time since XX/XX/XXXX. I have never neglected to turn in the information requested/required of me. I should be in my FINAL year of the PSLF but because of the negligence of the student loan servicers, I am looking at spending MANY more years for the opportunity to save me from this crippling debt. Due to the inability of student loan services, I am to the point of contacting my legislatures and the President to make them aware of how excruciating the process is and the lack of proper information/communication from servicers. Im unsure if its a lack of training of the agents who answer the phone or if this information is kept secretive so people never reach the requirements to qualify. Im requesting a thorough review of my information and a written and phone response, particularly from an experienced and competent manager/director with the result of this review. Thank you, XXXX XXXX ( formerly XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, WI XXXX XXXX ( Former Address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) Schools Attended : XXXX XXXX XXXX University XXXX Wisconsin XXXX XXXX University XXXX Wisconsin XXXX XXXX Iowa University XXXX XXXX University Additional Information : I also filed a complaint with Great Lakes Higher Education and it has been escalated to a Customer Experience Response Team to address. I received the emailing telling me that on XX/XX/XXXX and have not heard anything since. I was informed by another agent at XXXX XXXX that even though I made payments they can not be counted toward loan forgiveness because I was supposedly in a deferment or forbearance which is not accurate. So again, I was told different information by different agents at XXXX. My issues are both with XXXX and Great Lakes but MOST importantly with Great Lakes at this time because they are the ones who supplied incorrect information to XXXX saying I was in deferment/forbearance. I have contacted Great Lakes on numerous occasions requesting my payment history since the beginning and any requests from ME requesting a deferment or forbearance. This has never been produced by them. Additionally I have major problems with XXXX certifying my employer. They are constantly asking for additional information and one minute they'll tell me the employer is certified and the next minute they're not. It makes NO sense! I need help. I should only have 11 payments left before being able to apply for PSLF. They are not counting 42 of my payments because of this supposed deferment/forbearance. I'm desperate and pleading for help!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
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 sent a letter to the 3 credit bureaus regarding my Dept Ed/Nelnet account, I didn't recognize this account from Dept of Ed/nelnet and requested they remove it, this shows as a closed account on my report. Instead, they dinged my credit report for the month of XXXX and XX/XX/2021. I later realized I had paid these accounts off and do not owe anything. I want this fixed on my credit report because this dropped my scores by 54 points by reporting them negative to the bureaus. Can you please help me resolve this. I don't understand how they can ding me for a closed account.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: ***Received a letter from XXXX XXXX on XX/XX/XXXX advising that they are getting out of the Student Loan Business & transferring accounts to Firstmark Services effectiveXX/XX/XXXX where Firstmark will now be primary contact for student loan information. ***We were asked to create an account with Firstmark beginning on XX/XX/XXXX or later. As per the request, account was set up and does not show any history. When I called Firstmark several times they do not show any information other than Accrued Interest owed since they took the loan over. I need to see the accrued interested since the beginning of the loan with XXXX XXXX back in XXXX. I have proof of accrued interest payments to XXXX XXXX in the amount of {$1100.00}. I was not getting any answers from Firstmark, so I called XXXX XXXX who totally disregarded the loan and said they sold it off. I am not asking for anything other than what was already paid out to reflect my new account and show history. ***Spoke to another rep from Firstmark XXXX XX/XX/XXXX who said he had the information for me and would email it over within 48 hrs. It is now XX/XX/XXXX still have not received it. I called again today on XX/XX/XXXX with a very rude rep stating they have over XXXX XXXX loans to transfer over and he will put my request in again, but I probably will still not receive an email regarding my request. Not sure at this point where my information is as I am getting the run around from both XXXX XXXX & Firstmark Services. I can not believe in today 's time with such technology that payment information is readily available.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A