Date Received: 2019-12-21
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: US DEPT OF EDXXXX or XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) I have made the payments every month and each month I get a {$20.00} increase of interest " Balance Increased by {$22.00} '' Graduate PLUS Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Neltnet is my loan servicer for my student loans stopped ACH payments back in XX/XX/XXXX and sent me an email saying my school was under investigation. I was told I would hear back in XX/XX/XXXXon the determination, I was told to not worry about making future payments. I then received an email Nelnet in the last 30 days informing me that my loan was placed into forbearance and that no payments were due until XX/XX/XXXX. I immediately contacted Nelnet to inform them that I did not request nor did I want my loan to be in forbearance and asked them to have ACH payments re-established. I had to ask to be transferred to supervisors multiple times as each representative told me there was no way this could happen. I was even told at one point if I wanted any documentation I would need to get a court subpoena and that I had requested the forbearance back in XX/XX/XXXX. To which I again asked for documentation and was told to call the Borrower Defense to repay hot line. I did so and was informed they had NO record of me submitting any application for discharge/forbearance. I immediately called Nelnet back again and was informed that they could now lift the forbearance . I asked for an email or mail confirmation of this and was told I would see something in the next few days. These calls took place on XX/XX/XXXX. I then asked to file a claim to waive all interest accural since Nelnet stopped was the one who stopped processing my payments and this was not at my request. On XX/XX/XXXX I recieved another call from Nelnet , by a reprensative named XXXX stating that Nelnet could not inianiate ACH payments again until XX/XX/XXXXbut I could go online or mail in payments. This was not the resolution I had been told when speaking with XXXX and XXXX with Nelnet on XX/XX/XXXX. I then recieved an email from Nelnet informing me to go online with Nelnet and fill out an application for REPAYE program. Again, this was not at my request. I had been making monthly payments and been in good standing with this loan for years. In addition to making my montly payments as scheduled and on time. In addition to this my mother had been making overpayments on the account as well. There is no explanation as to why I was ever placed into forbearance without consent and this is unacceptable behavior on the part of Nelnet. I will be following up this with a complaint to the Attorney General and a complaint has already been sent to FSA. Students should never be railroaded in this manner.
Company Response:
State: MA
Zip: 01832
Submitted Via: Web
Date Sent: 2019-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was talked into taking a student loan with University XXXX XXXX when I was almost XXXX yrs old. About 15 years ago with the promise I would make XXXX a year. But now I am XXXX in debt making XXXX a year. I know there was a class action lawsuit due to their treatment, fees etc and I contacted them they say they will only help me since my debt is not with the school. My debt is with Nelnet loan services but why would mine not be included??. I am XXXX years old and cant ever buy a home due to this debt. I am on a 20 years repayment plan but it keeps me from ever owning anything. Please help me.
Company Response:
State: CO
Zip: 80227
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Im 100 % with the VA my loans should be discharged.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I took out two private student loans through XXXX XXXX when I was in college and my dad co-signed on both loans. Five and a half years ago my parents filed chapter XXXX bankruptcy and these two student loans were pulled into their bankruptcy and repayment plan. At that time XXXX XXXX marked both loans as bankruptcy so I lost all visibility to these loans online, and I don't mail checks so I had no idea where to send a payment to or what to do. I called XXXX XXXX twice, both times I was told I had to talk to the bankruptcy department and the representative for Iowa was out so they put me in her voicemail. I left two voicemails explaining that I still wanted to pay on these loans and asked for help on how I could do that. No one from XXXX XXXX ever called me back, so I talked to my dad who talked to his bankruptcy lawyer. His bankruptcy lawyer told me to stop paying on the loans and just leave them as is because the repayment plan will take care of them. Fast forward five years, I have heard nothing about these student loans and as far as I know they have been resolved. XX/XX/2019 I get an email from XXXX saying that my credit score had changed. I reviewed my credit report and saw that a company called Firstmark dinged my credit for a late payment on a loan. Firstmark was not a company I had any accounts with that I knew of, so I filed a dispute with XXXX stating the accounts were in bankruptcy knowing that it had to be related to the bankruptcy since it was not an open account I paid on regularly. XXXX said it would take 60 days to resolve the dispute. XX/XX/2019 I get another email alert from XXXX saying that my credit score changed again. I reviewed the report again and my credit score dropped almost 150 points because Firstmark dinged my credit for the second time saying I am now 60 days past due on these random loans. My score went from XXXX to XXXX. I have no idea what is going on, so I reach out to my dad and he said he doesn't understand because his bankruptcy was discharged in XX/XX/2019 so he thought everything was done and resolved. He sends me the discharge papers and there are two loans from Firstmark on the papers showing a {$1000.00} balance left. I have nothing from Firstmark, I didn't even know that they bought out my XXXX loans so I XXXX them and was able to create an account online with my social security number. I log onto my account and see that they show I owe over {$4000.00} instead of {$1000.00}. It is still early XXXX and I call Firstmark to see what is going on, and get my credit report fixed. I explained the bankruptcy situation to the first customer service representative that I talked to and she responded with 'statements are just a courtesy, we don't have to notify you when your payment is due so you have to pay even though you didn't get a statement '. I asked to speak to a manager, because she had no idea what bankruptcy meant. She transferred me to an escalation agent, not a manager. I told the escalation agent the situation and asked if I paid the accounts current that they would remove the ding from my credit report. The agent said he could write up the request but it would only be denied. I asked him how I was supposed to know that these accounts were open, had a balance remaining on them, and that they were now past due. I explained that if it was not for XXXX alerting me to a credit report change I still would not have known about these accounts. The agent said he sympathized but that basically they expected me to follow the loans all the way through the bankruptcy and once it was over to start paying on them again. I advised the agent that my parents bankruptcy was discharged in XXXX so why have I not heard from anyone, or received any statements. The agent responded and said that they didn't know the bankruptcy was discharged, so they left the accounts marked as bankruptcy so legally they can't notify me of anything. I responded with, so you don't have to notify me of any amount I owe, or that my accounts are past due but you can ding my credit for it? The agent responded with, yes I don't like it but that is how it is. I then asked the agent about the discrepancy between the amounts owed, how the bankruptcy papers say that I owe {$1000.00} and Firstmark says I owe over {$4000.00}. He said it was probably a little off since they bought the loans from XXXX XXXX, and I said it's {$3000.00} off so he said to send in a copy of the discharge papers and they will review them. I asked him how they would contact me since he just told me they legally can't call me, and he said he put a request in the message for a phone call back. On Monday XX/XX/XXXX I send in a copy of the discharge papers and ask that an agent calls me back to discuss after reviewing the documents. On Wednesday XX/XX/XXXX someone from Firstmark emails me back saying that they noticed I called in and talked to someone on Monday so my question has been closed out because I got the answer I was looking for. On that same day I emailed them back stating that the agent on that phone call told me send these papers in, and that I need someone in their bankruptcy department to review them and call me back to discuss. On Friday XX/XX/XXXX someone from Firstmark responds and says they have forwarded my documents on to review and someone will contact me in 7-10 business days. On XX/XX/XXXX I email Firstmark again, because I have not heard from anyone, and ask for an update on the status of the document review and for a phone call to discuss. On Friday XX/XX/XXXX someone from Firstmark emails me stating that the payments from the bankruptcy did not take interest into consideration and that is what the {$3000.00} difference is, that they can not comment on anything related to bankruptcies but to reach out to the co-signer or lawyer for more information. They also said they would send me a copy of the payment history to review, but no one ever called me to discuss after I asked multiple times. At this point I reach out to a financial help group and members of that group said to get a lawyer to help me fix my credit and negotiate the remaining debt. I reached out to a bankruptcy lawyer in XXXX XXXX who referred me to a student loan lawyer who said she would not help me. I called my work benefits that provide free legal advice and referrals, and they referred me to a civil lawyer who referred me back to a bankruptcy/credit reporting lawyer or to try XXXX XXXX XXXX XXXX agency. I reached out to XXXX XXXX XXXX XXXX and they said they do not work with student loans but suggested I file a complaint on this website to get Firstmark to work with me. I have not tried contacting Firstmark again since their last email on XX/XX/2019, but I have paid the accounts current to prevent further damage to my credit report. I pay all of my accounts and I work hard to have a good credit rating, but I feel like Firstmark doesn't understand what bankruptcy is or how it works nor do they care about working with me in a fair manner. Anytime I tried to discuss bankruptcy with Firstmark they either dismissed me or told me to contact a lawyer. When I asked for help they dismissed me, even when I did what they told me to do they still didn't do what they say they would do in regards to reviewing the discharge papers and calling me back. At this point you are my only hope, because I can't get Firstmark to work with me and lawyers keep referring me to other lawyers. Anything you can do to help me negotiate with Firstmark would be greatly appreciated.
Company Response:
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I've contacted Nelnet via certified letter to request the original master promissory note to verify the loan debt is in fact mine. They have failed to provide the original master promissory note to me ( on multiple occasions ) with my signature and unable to verify that the student loan debt is in fact mine. The debt is being report late on all of my credit reports and requesting that the debt be removed from credit file since Nelnet is unable to provide this master promissory document thus unable to verify the debt.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I enrolled in XXXX university under false statements of affordability to pay back my school loans in the future. I am in debt {$90000.00} in school loans for basically a worthless piece of paper. Well known, not for profit, state university degrees are just a fraction of that! I have never been able to find a job with my degree, years later! Most employers ask about XXXX and once they look into the school Im laughed at and passed up for the opportunity! When I wanted to further my education I had XXXX small children at home and only a XXXX. XXXX high pressure sales type tactics had me enrolled before I could even sit down and think about it. I was told my school cost would be covered by federal school grants and that XXXX was one of the most affordable colleges in the nation. I was never told they were taking out private loans with high interest rates, and I would be swimming in school loan debt that would exceed that of a licensed medical doctor. I was told that school credit hours were {$770.00}. After doing my research I found that was a fair amount for furthering my education. However, that cost continued to rise the further and further I went into my college and school loan commitment. It exceeded more than {$2800.00} a credit hour by the time of graduation. This is something XXXX knew, they knew that {$770.00} was an initial introductory cost to fool you and hook you, while sophomores and seniors were already paying an upwards of {$2000.00}. XXXX also held my degree and refused to send it until I paid {$970.00} for graduation cost, cap and gown etc.. when I explained I could not attend the date in Iowa , they said it didnt matter, it was due or I didnt get my {$80000.00} piece of paper. I graduated in XXXX, and have never been able to find employment with my degree from XXXX. Since then I had to go on an IBR repayment plan because my school loan cost would have been $ XXXX monthly. This has caused my private loan interest rates to stack up. Im begging for help! I know they have many class action lawsuits against them, i pled someone hear my case and allow me to join in the complaint. I begging for some type of relief from this fraudulent debt!
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-10
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: Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake. I have filed a dispute with XXXX in the past and they have not done a proper investigation into this and still this has been on my account for almost 4 years now and I am XXXX percent sure they are wrong on this one and my track record shows it and you can see i paid all my lenders 100 % on time for the past 14 years.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is sent in response to phone call received by you on I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision. Sincerely XXXX XXXX
Company Response:
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Received post discharge monitoring form from Nelnet. The completed form was faxed to XXXX on XX/XX/2019. The form was emailed to XXXX on XX/XX/2019. Proof of the completed form is attached to this complaint. I need confirmation that Nelnet has processed this form.
Company Response:
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A