Date Received: 2020-01-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: This summer I was able to receive a forbearance due to hardship with XXXX, however, Nelnet was unreachable. I submitted the application through the Federal website and when I attempted to call, confirm, and proceed with the action with Nelnet as I had done easily with my other service provider, I was unable to reach a representative by phone. I called multiple times and waited 30+ minutes each time before hanging up. I sent an email and it took months for them to reply, by then my account was past due and my credit score had been reduced. This is unacceptable! Months later when my XXXX forbearance has ended, I made another attempt to bring my account current with Nelnet and was able to speak with someone by phone with minimal wait time. Why ignore my calls until my account is way past due? I had hoped to have the forbearance back dated and the negative reporting to the credit agencies eliminated, they refused and countered by suggesting that I had never qualified for a hardship in the first place. I wonder how is it possible to qualify with one loan provider and not another? I also wonder how is it acceptable for a company to ignore customer calls until their account is past due? I had no issues with Navient, and nothing but roadblocks with Nelnet. I believe that Nelnet is negligent and their practices need to be investigated.
Company Response:
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Confusing or Missing disclosures /did not receive notice of right to dispute. Coupled with the fact that the loans are over 10 years old for one and the other two are 9 years old.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-01
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loan has been listed as In Repayment with Firstmark Services, despite the fact that the loan should be forgiven ( {$0.00} balance ) through a teacher forgiveness program. On XX/XX/XXXX, the human resources department at my school district, XXXX District XXXX, mailed a South Carolina Student Loan SC XXXX Loan Forgiveness form to South Carolina XXXX XXXX XXXX, XXXX : XXXX. SC Student Loan confirmed by phone that the paperwork was received the first week of XXXX and was forwarded to Firstmark Services, the new loan servicer, https : //firstmarkservices.com/. SC Student Loan also confirmed to me that this year of service would mark the total forgiveness of the loan, and that the balance should be {$0.00} once paperwork is processed. On XX/XX/XXXX, I received communication from Firstmark Services that my loan was in repayment status. On XX/XX/XXXX, I received communication from Firstmark Services that my loan was past due. I spoke with a customer service representative with SC Student Loan and was told that paperwork has been in process since Firstmark Services took over servicing their loans, and to request a deferment so that the paperwork could " go through. '' I spoke with a customer service representative with Firstmark Services, and was told that I could receive a deferment through XXXX. On XX/XX/XXXX, I received communication from Firstmark Services that the deferment had been approved. On XX/XX/XXXX, I received communication from Firstmark Services that my loan was once again in repayment. On XX/XX/XXXX, I spoke with a customer service representative with SC Student Loan. She remarked that, after looking over my system notes, that it appears Firstmark Services had not responded to their submissions, and apparently Firstmark had not done anything to process repayment since XXXX. She would re-submit the paperwork on my behalf. My loan is currently listed as due XX/XX/XXXX. In my years dealing with SC Student Loan, I have always experienced excellent customer service and timely processing of forgiveness and deferment. I believe the issue is with Firstmark Services.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A