Date Received: 2020-02-10
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 on the dates below : USDOE/XXXX XX/XX/XXXX to XX/XX/2017 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My students loans are showing up late and they never have been late. They will not update to reflect the account as being on time.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: nelnet : XXXX removed a dispute and added it back on without notifying me Law dictations that they notify me 5 days before doing so The unlawful act needs to be removed ITS THE LAW
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I submitted all the documentation for the fraud activity of these student loans. These were opened without my knowledge and after investigation, was taken off my XXXX and now is showing up on my XXXX as late payments and is affecting my credit negatively by 112 points, impacting my payment history. I am submitting a photo reflecting my XXXX compared to my XXXX, please help!
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
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: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX / XX/XX/XXXX USDOE/GLELSI XXXX to XX/XX/XXXX XXXX / XXXX to XX/XX/XXXX XXXX / XXXX Missing 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/NELNET '' be deleted.
Company Response:
State: NC
Zip: 27804
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I'm on a deferred payment plan t never ; late
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: After experiencing a hardship associated with the wildfires which affected my employment in the XXXX XXXX Area in XX/XX/2019, I made every attempt to secure a Natural Disaster Forbearance with my loans serviced by FIRSTMARK SERVICES, owned by XXXX XXXX. While all of my other private student loan lenders were willing to work with me, FIRSTMARK SERVICES were unable or unwilling to assist me with a Natural Disaster or Administrative Forbearance on the technicality that the disaster was declared as a FEMA Emergency as opposed to a disaster. I had been previously advised by a FIRSTMARK Representative that I would be able to be placed on an Administrative Forbearance as an exception given the severe hardship the disaster had on my employment, but was disconnected and future representatives were unable to assist me with this information or a forbearance. Again, it must be stressed that all other private lenders were willing to assist me during this difficult time, and FIRSTMARK SERVICES Should stand by their customers during these times as well. As a student borrower whom has experienced severe hardship as a result of the natural disaster as previously noted, it is very disheartening that FIRSTMARK SERVICES is unwilling to place my account in a Natural Disaster or Administrative for the 3-6 month period as previously promised for these types of disasters, which has caused significant hardship for myself and family. At this time, I am requesting immediate assistance from the Consumer Financial Protection Bureau in assisting me with the placement of these loans on one of the forbearances as requested during this very difficult time.
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Follows is copy of a complaint filed on the website of the creditor XXXX/Firstmark == XXXX XX/XX/2020 I seem to recall seeing verbiage on the website says something to the effect of " being committed to making loan repayment as easy as possible. '' Following is a accounting of an failed attempt to pay a debt in full using a valid instrument. Proceeds to pay-off my loan were secured and transmitted to XXXX/Firstmark with supporting documentation. The payment was confirmed as received by XXXX/Firstmark, and a confirmation number received. After several days, the account showed " Payment Reversed. '' I conducted several individual phone-calls to the issuer of the funds ( XXXX XXXX ) and to XXXX/Firstmark, as well as a conference-call including representatives of both these entities wherein receipt of the funds and validity of the submitted instrument were verified. Representatives of both entities acknowledged ( on a recorded line ) that i had committed no transactional error. At the conclusion of these communications, XXXX/Firstmark failed to receive the payment and settle the debt. If i committed no error, and the instrument used to repay the debt was verified as valid, i can only conclude that it is a failure of XXXX/Firstmark to live to its creed. XXXX/Firstmark 's relation to Nelnet is particularly noisome to me, and emphasizes XXXX/Firstmark 's its failure to " walk its talk. '' Please be advised that copy of this complaint will be forwarded to the Consumer Financial Protection Bureau.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I started off by Attacking Multiple Accounts Found on my credit file Various Accounts were reporting wrong but the one thats was the most obvious to be was the student loans my student loans have been Forgiven for about a year yet hear on I am a veteran of the military my loans were forgiven through a XXXX discharge. FURTHER MORE THE INCONSISTENT HISTORICAL PAYMENT CALENDARS ARE LACKING IN ANY ACCURATE INFORMATION THEY ALL DISAGREE WITH EACH OTHER AND BEING THAT PAYMENT HISTORY IS 35 % OF MY CREDIT CORE IT IS RECOMMENDED THESE CALENDARS TO SHOW PAID AS AGREED NEVER LATE. Please marked the Erroneous student loans as paid as agreed never late. CLEAN UP ALL CALENDAR HISTORY TSO IT DOES NOT AFFECT MY PAYMENT HISTORY IN NEGATIVE FASHION. DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MAIL ONLY Account type : Installment DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX MAIL ONLY DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Account type : Installment U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Account type : Installment U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Account type : Installment US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account type : Installment US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account type : Installment US DEP ED XXXX Account type : Installment US DEP ED XXXX Account type : Installment U S DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX, NY XXXX MAIL ONLY Account type : Installment U S DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX, NY XXXX MAIL ONLY Account type : Installment US DEP ED XXXX Account type : Installment US DEP ED XXXX Account type : Installment
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A