Date Received: 2020-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: After several disputes finally received letter from XXXX XXXX without definition clear and lawful definition of payment in dissatisfaction. Disputed liability of alleged obligations as 15 U.S. Code 1692a3 natural consumer and 15 U.S. Code 1692a ( 4 ) original creditor having extended my 12 CFR 1002.2 ( j ) credit via 15 USC 1602 ( l ) social security 12 CFR 1002.2 ( a ) account number compelled against 42 U.S.C. 408a8 and Public law 93-579. ssn belongs to the SSA and anything obtained with the identifier number is a obligation of the United States 18 U.S.C. 8, UCC 9-307 ( h ). Anyone attempting to collect a debt from me obstructing commerce and in violation of The False Claims Act ( FCA ), 31 U.S.C. 3729 - 3733. Great Lakes, Department of Education, XXXX XXXX has 18 U.S.C. 241 ; 242 conspired to deprived me my right to credit and denied me satisfaction and accord of obligations per 18 U.S.C. 8 obligation of the United States, for satisfaction and accord and per 15 U.S.C. 1 illegal restraint of trade debt collectors refused to restore credit to good standing and has impaired my right to open-end credit. Art. 1 Sec. 10, No State shall enter into any Treaty, Alliance, or Confederation shall make any Thing but gold and silver Coin a Tender in Payment of Debts ... All parties have said they will accept anything except lawful money, gold and silver for payment of debts, and all have neglected via 15 U.S. Code 1692e. false or misleading representations their fiduciary duty in the acts of Misfeasance, nonfeasance and malfeasance to settle the obligations for full acquittance and discharge without liability per 50 USC 4305b2 and has restraint my right of trade and is in breach of trust per 15 U.S.C. 1 whereby alleged obligations are rendered an obligation of the United States as per the supremacy clause- any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. I have disputed obligations several times with credit reporting bureaus, XXXX, XXXX and XXXX who has conspired also to invalidate title 18 U.S.C. 8 obligation of the United States and hold my person liable for the obligations. My credit has been discriminated and I have been impaired from getting a home. This injury has been nerve wrecking and emotionally distressing without remedy. As original creditor/grantor/lessor of personal data, I reserve all rights to proceeds, titles, interest where my personal data valued at 100,000,000 dollars per entity, per year for misuse and negligence to settle obligations.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2020-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-02
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: In the past against my explicit wishes Firstmark Loan services has contacted family members including my elderly grandmother about loans that were just a few months past due. In the past year or so I have not let that account get that behind and it is currently up to date and has not been more than one month behind in probably a year or more. However I am, at most, one month in some sort of annual or biannual check of contact information which I updated online today. This info has not changed in 3 years. But without attempting call or email or send a letter about this they decide to start calling my Aunt instead. This is ridiculous I am a XXXX year old why do they keep reaching out to my family about my personal private information and all on a small student loan debt that has been a few months behind at worst!
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loans had gone into default and in late XXXX I started the processes of consolidating them and bringing them into good standing. The consolidation process comes with a period of time to change or amend things. I received my consolidation packet in the mail AFTER the date it said I could make changes/amend the agreement. I immediately called My Great Lakes and they said that today is the day that everything was consolidated and because they didnt hear from me theres nothing they can do. HOW COULD I CONTACT THEM BEFORE I RECEIVED THE INFORMATION? Its ONE DAY and with Covid everyone knows the mail has been notoriously slow. Im so angry/frustrated. They CAN help me, they just dont want to. Ive told them that as soon as I got the consolidation packet I saw two incorrect items and those are the ones ai didnt want to include in the consolidation. Theyre refusing to help me. Its really gross on their part.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: RI
Zip: 02909
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In 1996, I enrolled in the XXXX XXXX XXXX program at XXXX for XXXX XXXX XXXX in XXXX, TX, I was told the program was XXXX approved and my credits were transferable to a 4 year college or university. I refinanced the loan with Nelnet and through the years, every college or university that I have applied for admission will not accept my credits or degree and state the XXXX for XXXX XXXX XXXX is not an approved higher education school. XXXX has confirmed that I can not become a member because I did not graduate from an XXXX approved program. I have contacted XXXX for XXXX XXXX XXXX for assistance and was told I could now re-enroll to earn a Paralegal certificate for additional costs.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-28
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: Hello, I am one the millions of Americans whose credit scores have been negatively affected by the Great Lakes Borrower Services glitch in their student loan reporting after passage of the CARES Act. https : XXXX I have always had good credit, and make my regular monthly payments and my credit score took a nosedive and has still not been rectified. I thank you for your help in this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-27
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I attended XXXX University for 6 months I started XX/XX/XXXX- XX/XX/XXXX. the loan that I am concerned about is through US DEPT . OF EDUCATIONGL. i have a student debt for XXXX. I don't believe this balance is accurate.i have. tried to call them and ask them to go over the loan and the requested date. XXXX UNIVERSITY was under investigation or student loan fraud. I have placed the amount into forbearance until I can get to the bottom on this loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-27
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XX/XX/2020, I requested copies of the promissory notes for my loans serviced by Firstmark Services. I received a message dated XX/XX/2020, that I can expect to receive the copies via email within the next 30 days. I had not received them within that time frame. I then followed up by phone with Firstmark on XX/XX/2020. The request was apparently resubmitted. I still have not received these documents to understand the terms of the loan.
Company Response:
State: TN
Zip: 37214
Submitted Via: Web
Date Sent: 2020-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-26
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 was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. DEPTEDNELNET XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Thank you for reviewing the complaint. After reviewing the credit profile, Nelnet continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments. The method of reporting continues to compromise credit score and creditworthiness.
Company Response:
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A