Date Received: 2020-09-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am a cosignor on my ex wifes student loan. I have been eligible for cosignor release for many years. We are not in contact and she refuses to sign the paperwork. The servicer will not release me without signature from my exwife. This was not int the contract and i believe it is just a way to for the bank/servicer to keep me attached to this loan. I have requested in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The current sercicer is XXXX/ XXXX XXXX.
Company Response:
State: WA
Zip: 98367
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
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: You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: So when I finally decided to do the smart thing like I should have been doing all along and Monitoring my credit much closer. This included not only who was reporting information but what information was actually being reported, and thats when I noticed the largest discrepancy on my report. Nelnet by themselves had reported 31 separate student loans, now this number is probably accurate, however the issue is the information they reported. The dollar amounts were incorrect, it did not reflect any payments that I made while I was in school, finally all 31 accounts actually reflected the EXACT same three months from the same year ( which some loans didnt even exist at that time ) where there was a 90 day, then a 120 day, and finally a 180 day past due payment in consecutive order. These numbers dont even make sense because if you were 90 days then 120 days you dont automatically go to 180 days past due. I have disputed this information on six occasions because I could only dispute so many at a time and there are still 27 accounts that are incorrect, they are still showing missed payments they are still showing delinquent status they are still showing that the loan was charged off when it was actually paid in full And satisfied so it should be a closed account showing paid in full but thats not the case. It reflects this way on all three credit bureaus which by three separate expert opinions ( CPAs and credit specialists ) show it could be affecting my credit score by as much as 113 to 140 points! I am at a complete loss because when I called to talk to Nelnet ( yes NELNET ) that which I have done on at least 15 separate occasions not only do they continue to tell me it will be corrected it will be corrected it will be corrected but its never corrected, then when I question other accounts they tell me oh well those accounts were sold off, but they dont know who they were sold off to. I live in Nebraska and their office is located in XXXX, Ive even gone there in person and set appointments up and spoken with individuals that have assured me and guaranteed me everything would be corrected and this has now been three years long from when I started to current. So now there is no way for me to track them down because I go as far as the information takes me and I have even called called 10 or 12 different major student loan providers that buy loans from the Department of Education and none of them show any record of me holding an account with their company or an account being bought out by their company in my name. I am in my mid-XXXX and I can only repair my credit so much because I cant qualify for a major purchase such as a home to really solidify my credit and establish more than just buying vehicles and selling them with all payments being made on time and all loans being paid back in full. This has affected my life for over 10 years now and it wasnt until the last six years that I really started to dig deep into all three of my major credit bureau reports to see these inconsistencies not just with my student loans but with numerous other accounts. Between my three credit bureaus my student loan accounts alone Account for 148 inconsistencies that negatively affect my credit, these inconsistencies prohibit me from being able to even purchase a home. So my wife and I have XXXX children and cant even purchase a home because her income is not enough By itself to qualify, and heres the kicker which some people may be shocked and some people may not be shocked. I am 100 % XXXX XXXX XXXX Veteran and a medically retired XXXX XXXX XXXX ( XXXX ) the United States XXXX. I was forced to XXXX XXXX, it was not a choice. For 10 years I was a what they considered XXXX XXXX before finally I XXXX XXXX XXXX XXXX XXXX XXXX on my left side. I have a XXXX XXXX injury that prevents me from being able to do you a lot of things independently such as XXXX XXXX XXXX XXXX or taking care of my children all the time. I have a XXXX XXXX XXXX that has caused me to have to re-learn how to walk when combined with my invitation, I had to learn how to time I shoes again in my midXXXX, I did learn how to drive again but it was hard. It was extremely hard because I could not understand and comprehend traffic laws, they just would not process in my mind. I have to spend a portion of each and every single day either on XXXX XXXX XXXX XXXX XXXX, or in a XXXX which limits what I am and Im not able to do although I dont let it limit me as much as possible theres only so much that I can do. This is not a sob story, this is not to make anyone feel bad for me, this is just To show that on top of everything else thats going on in my life I have been dealing with now I have been dealing with these banks and loan agencies and whatever they are referred to, right there is a prime example because I cant think of the proper term and I have paused my statement for over 15 minutes now but its XXXX XXXX and I have not been to sleep in almost 72 hours because of the pain, because of my XXXX XXXX, because of the nightmares, because of the XXXX, because of the XXXX, and all of these things are amplified by the stress that this has put on to myself and my family. A lot of people blame the department of Veterans Affairs for such a high XXXX rate among veterans but Ill be the first one to tell you maybe not the first one but I will be the first one to confirm if somebody else has said the same thing that situations like this that amplify all of these different things that we suffer from mentally probably contribute more to veterans committing XXXX than anything that has to do with the department of Veterans Affairs. The reason I say this is because it puts so much stress on to not just a veteran but his or her family and then that can lead to marital issues and divorce and the break up of a cohesive family, Now you tell me if you have somebody that has been through a similar situation as I have and I have undergone XXXX XXXX XXXX under XXXX to date that for eight years I have been trying to rebuild my credit so I can rebuild my life and Ive already been through one marriage that ended in divorce, however I am now married to the woman that was meant for me, whom by the way had to quit her job and quit school to become my full-time XXXX because I need help every single day just to XXXX XXXX XXXX XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to XXXX XXXX, to remember things, to get two appointments, to make sure that I take my medication, to make sure my medication is refilled, to make sure that I dont stress out to the point to where I have a XXXX which my XXXX condition developed as a result of my XXXX XXXX XXXX and my XXXX XXXX XXXX. So I just want this information to be put out there, I want this information to be corrected, I want to be able to get my life on track and I want to be able to move past this. I want this stress out of my life, this needs to be known this needs to be in bank public because a lot of veterans dont talk about it because its embarrassing. Its embarrassing because we are supposed to be able to provide for our family as men, this is our way of thinking, this is the way that I was raised. Thats not to say that the woman or the wife in the relationship or marriage cant work or cant make more money and be the breadwinner, its just the mindset in the way of thinking that I am trying to explain. So there it is in black-and-white, that is a snapshot of my life on a daily basis and what I deal with because on top of all of that that I just explained I didnt mention that my oldest son is XXXX, he XXXX XXXX he XXXX XXXX he cant take care of himself he XXXX XXXX him so if he XXXX XXXX himself so he relies on myself and Primarily my wife to be able to do that to be able to live basically, so my wife has my self and my son to take care of all while not being able to work or go to school or do what she wants to do. She tells me that this is what she wants to do and I know that it is but on the flipside of the coin its not what she chose to doIts almost what she fell into have to do because there was no alternative. The bottom line is please just put this information out there Ill continue to work on my own or work with whoever to fix my life and get my life on track but dont let this happen to anybody else veteran or not dont let this happen to anyone else because its not fair, its not right, and it 100 % should not be happening!
Company Response:
State: NE
Zip: 68123
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I contacted my servicer " Great Lakes '' during COVID-19 to determine when I needed to resubmit my IDR plan request. I also got an email from the company stating " Please send proof of your gross income by sending in one of the following : - W2 ( current year ) - Pay stubs ( indicate weekly, bi-weekly, monthly, etc. ) - Letter signed and dated from your employer and must include : - Gross income - Pay frequency ( weekly, bi-weekly, monthly, etc. ) - SSN and/or name '' I provided my W2. I then called 2 weeks later since I had not heard anything back and the representative said its finished and I just haven't received communication back yet but in her system I should be contacted soon. A few days later I received an email that the same thing as before. I was then told I need to give them my Tax returns. I did that and a week later now they want pay stubs stating my spouses income information is " unavailable '' yet its on the tax return I submitted and they are asking for only my paystubs which make no sense. I have been working on this for over a month and my application is due soon and I keep getting a run around from the company. I can provide emails, etc if requested.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 405XX
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/XXXX, XXXX, XXXX, and XXXX 2020 .... called numEros times about the process of my refund. On the XXXX i called to ensure process was going correctly, confirmed bank info as was told was documented correctly. The XXXX i called again and was assured everything was okay and my refund would be in my account the following day. The XXXX of XXXX i received an email saying my refund was returned because of error in my account number, which was suppose to be correct as was told so in the XXXX and XXXX. On the morning of the XXXX a agent at nelnet informed me that if I were to upload a new account and routing number, which was done while on the phone with the gentleman, he n said that this would prevent a check from being printed and sent. That nelnet would process my refund via direct deposit too the bank and account number documented. He confirmed the bank and assured me that all information was correct. He even followed up the bank routing number and recorded that n the process would be successful. Well today, XX/XX/XXXX I noticed on my account a check had been printed so I called once again. This time not one but two agents told me I was infomed incorrectly that they would not be attempting to process my refund a second time, that the gentleman gave me false pretensions and there was no other options but too send a check. They could not tell me why my refund was returned, even though in the past, it was always successful, which I didn't understand due to the fact that my information had not changed. The bank and account number used before was still the same. The two agents were very rude, talked over me the entire call and even went so far as raising their voice. They were not helpful too the matter, nor seemed concerned to attempt to be helpful or ensure my satisfaction or understanding of the matter. They only said that they were aware I was misinformed and reported that the check was printed but not yet sent. Therefore they had opportunity to put hold on sending the check and attempting to process my refund with a new account and routing I provided. I am very unhappy and forced in a situation that could cause financial crisis, as of being homeless due to the fact that I may have to wait another 10 days to receive funds. I understand nelnet had had processing issues in other cases more than once. I am aware there has been complaints due to the same issue and that this seems to be an reoccurring issue. I hope this matter can be resolved in a timely matter.
Company Response:
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have written and mailed in letters to this company regarding my college attendance. The status of the loan reported on the credit report is incorrect it should not be delinquent it should be current or deferred I have not received any communication back from the company no correction has been Made on this account by the company. I am currently attending college and would like the credit rating to reflect current not delinquency.
Company Response:
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2020-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Firstmark student loans attempted to contact me via multiple phone numbers ( which I thought were scam likely numbers ). Without communicating with me, the company reported a delinquent payment that significantly decreased my credit score. I am requesting a removal of the credit flag as I have entered a payment agreement with Firstmark due to losing my job amidst the Covid-19 pandemic. Also, since this is my first time dealing with a delinquent payment to Firstmark and due to substantial hardships the pandemic presented, I am requesting leniency with the confirmation that I will make future payments on time. Firstmark has only provided 4 months of emergency disaster forbearance and I still do not have a job. My other student loan lender ( XXXX ) has agreed to enter a similar payment agreement so I hope Firstmark can be accommodating given these circumstances.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have tried to fix the way my additional payments are applied several times with this company. I can never pay down the principal balance because ALL of my payments are going towards interest. I also NEVER signed up for the weird graduated repayment plan that I just realized I am on, and I am being charged more interest for this. I pay my regular payment monthly, plus additional. Every payment is going to interest only. This is not ok. XX/XX/2020 - {$140.00} {$23.00} - applied to principle {$110.00} - applied to interest XX/XX/2020 {$5.00} {$0.00} - applied to principle {$5.00} - applied to interest XX/XX/2020 {$5.00} {$0.00} - applied to principle {$5.00} - applied to interest XX/XX/2020 {$140.00} {$0.00} - applied to principle {$140.00} - applied to interest Again, I pay on time monthly without fail. This is so wrong in so many ways. Ethically it is almost criminal.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A