Date Received: 2022-07-12
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: Hello, I contacted Firstmark Services to request a retraction of credit reporting for a loan payment I made past the due date because I moved due to an emergency and was unable to provide my updated phone number and address in advance. I have also tried to notify Firstmark that I was escaping a XXXX XXXXXXXX situation and the co-signer on my account was unfortunately XXXX XXXX Firstmark refused to allow me to change the co-signer and instead penalized me for being notifying them that I had enrolled in school in advance. I requested a retroactive in school deferment and a retraction of the negative credit reporting, which dropped my credit by over XXXX points. They have refused to provide the retraction and they have refused to allow me to change the co-signer. I am requesting a retraction since I have provided them with my enrollment verification form, which dates back to XXXX of 2022. I would really appreciate this retraction since I have consistently paid Firstmark for at least the past two years. If not, I will have my loan refinanced and assigned to a different lender. Best, XXXX XXXX
Company Response:
State: CA
Zip: 91101
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I had one account with great lakes loan which was in great stands by the way since XXXX. I received and alert XXXX, XXXX XXXX and XXXX XXXX from my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education Nelnet who is a debt collector. They told me greatlakes gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. Great lakes said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. Nelnet report 9 account of student loans account to my credit report that all have the same account number. Nelnet reported all to my XXXX. This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC USDOE/XXXX- XXXX {$0.00} paid % in full DEPTEDNELNET XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}
Company Response:
State: VA
Zip: 23222
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: To Whom This May Concern, I have been XXXX for 21 years and continue to attempt to qualify for a Public Service Loan program. I have applied at least three times in the last 10 years. I have made payments consistently for more than XXXX payments. I have paid more than half of the total I borrowed when I was going to school. I keep getting rejected but not once I have been told exactly what the problem is. Finally I was able to call the company for which I have standing debt and told me that the reason could be that I have consolidated them. During school my loans were Stafford loans, but a couple of years after graduation I consolidated them with XXXX XXXX XXXX I would like someone to call me and advise me about what route to take. I graduated in 2001 and I have worked for the same school district since that same year. I have paid constantly and never defaulted. I have had times of deferment because of financial situations at home. I then paid all interest and comply with their policies during deferment. I want to be able to have the opportunity of some part of my loan to be forgiven. Thank you!
Company Response:
State: ID
Zip: 83404
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My student loans which were being serviced by Great Lakes have been transferred to Nelnet ( as of early XX/XX/2022 ). As a result of this, my credit score ( as reported by XXXX ) is now indicating my student loan account as closed which has resulted in a significant decline in my credit score due to the decrease in the number of accounts. I am going to be applying for apartments soon and the decreased credit score could have negative impacts on my apartment search.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My student loans which were being serviced by Great Lakes have been transferred to Nelnet ( as of early XX/XX/2022 ). As a result of this, my credit score ( as reported by XXXX ) is now indicating my student loan account as closed which has resulted in a significant decline in my credit score due to the decrease in the number of accounts. I am going to be applying for apartments soon and the decreased credit score could have negative impacts on my apartment search.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Nelnet XXXX XXXX XXXX has misreported my student loan debt, I have hired XXXX XXXX to resolve, 13 items have been removed and 50 more remain, making it impossible for me to obtain housing. I am a XXXX, single parent veteran, XXXX, due to the incorrect reporting of my student loan debt.
Company Response:
State: CA
Zip: 93308
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NELNET LOAN SERVICES INC XXXX {$12000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$8000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$15000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$18000.00} {$0.00} Reporting Fraudulent Payment History for the following months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on my XXXX, XXXX and XXXX Credit report
Company Response:
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had a student loan balance with XXXX XXXX XXXX XXXX. I then decided to refinance with XXXX, who made the payment to XXXX XXXX in XX/XX/2021. They did not pay the correct amount ( they were short by {$2.00} ) meaning I had an outstanding balance since then, which has been accruing interest. For some unknown reason XXXX didn't make the correct payment amount, and XXXX XXXX did not communicate to me that I still had an existing balance. I should have checked with XXXX XXXX, but I assumed that XXXX had done this properly.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was advised in XXXX that if I consolidated my loans, after graduating with my XXXX XXXX XXXX in XXXX, I would be able to have the balance forgiven after 10 years of payments, under an Obama plan. I believed the loan servicing company and consolidated my loans. I had been paying on the loans since XXXX. I went back to school to get a XXXX XXXX XXXX in XXXX XXXX, I graduated in XXXX XXXX XXXX. In XXXX XXXX XXXXXXXX, my husband was killed XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I called about getting part of my loans forgiven because I had been paying on them for 10 years. I was told there was no such thing as student loan forgiveness, and I was lied to and I needed to consolidate my loans again to lower my payments. I consolidated my loans and about 2 years later I started hearing that loan forgiveness and cancelation was a real thing. My loans were in income-driven payment plans for XXXX years, and I assumed that I was well on the way to loan forgiveness. Fast forward to a week ago when I called Nelnet and was informed that every time, I consolidated my loans I started my repayment period towards loan forgiveness over again. I was never informed that I restarted my loan payments to forgiveness each time I consolidated. Each person I talked to told me that I had to consolidate my loans to be able to put them in an income-driven plan. I have been trying to pay off my loans but with the lies, deception, and predation by XXXX XXXX XXXX I now owe {$170000.00} and I am unable to purchase a home because of my debt. This is unfair and there is no way I can ever pay this debt off with XXXX XXXX XXXX income, I also can never buy a house because of the amount of student debt I carry. I was informed consolidation was the only way to make my payments qualify for income-driven repayment plans and the only way to continue my payments to forgiveness. I was told to continue the number of payments, not restart the number of payments.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet and department of education has been reporting as my student loan provider. When I received the LOANS in XXXX and XXXX as Nelnet claimed, I was never given any disclosures. For all these years, I never knew about the Gramm-Leach-Bliley Act ( GLB Act or GLBA ). Its just recently I stumbled upon information about consumer rights and laws written by Congress. I began studying about consumer law and studied 15 USC 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. as per 15 USC 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As long as I had my loan with them they neverdisclosed this. Presently I am challenging this, they are telling me I knew about it because I signed the Promissory note. My reply was that they were not clear and conspicuous and no one ever pointed that out to me. Why would I want my non public personal information shared? No one disclosed any of this. After reading the FTC and the GLBA, I found out that even if I signed the promissory note as they allegedly claimed, by LAW every year they were supposed to let me know about the privacy notice and disclosures as long as I am a customer and sending me an opt-out election from. I never got that choice. I requested a form XX/XX/XXXX. I signed and returned .They violated my privacy, they chose profits over people by withholding. In addition, according to 15 usc 1681 ( a ) ( 4 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. as per 15 usc 1692 ( a ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A