Date Received: 2021-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I review a current copy of my credit report and show dept of nelnet showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. XXXX Account number:XXXX XXXX Acoount number:XXXX XXXX Account number:XXXX
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a hard inquiry done on XX/XX/2021 stating that my credit report showed numerous accounts for my student loans. Then on XX/XX/2021 I received a letter from Nelnet stating that my XXXX XXXX Stafford-Unsub students loans had a balance of {$6000.00} and a XXXX XXXX XXXX student loan had a balance of {$3400.00} totaling up to {$9400.00}. However my award history from the University of XXXX XXXX statement shows I was awarded in XXXX Federal Direct Sub Loan for {$1700.00} and XXXX XXXX Unsub loan for {$3000.00} a total of {$4700.00}. However according to my credit report stating that I had a derogatory remarks and past due amounts of {$5400.00}. I am fusion I am losing the opportunity to buy a home and a government down payment assistance grant.
Company Response:
State: HI
Zip: 96793
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There is a Loan with XXXX XXXX ACCOUNT XXXX for XXXX and XXXX. I never use XXXX XXXX for my student Loans Only Nelnet and this is incorrect on my credit report. They tried to get my loans but I never signed for them to be my loan service. Should not be on my report. Nelt/net has accounts that are reporting inaccurate information from two sets of accounts series with the same loan amounts. my accounts are in good standing and opened, but they are reporting information on closed accounts XXXX $ XXXX XXXX $ XXXX. XXXX $ 1530-closed XXXX $ XXXX. XXXX $ XXXX XXXX $ XXXXclosed XXXX $ XXXX XXXX {$3000.00} closed XXXX $ XXXXclosed XXXX $ XXXXclosed. These are incorrect and should not be on my credit report. my loans are actually opened not closed and they show.
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted all three Credit Bureaus/Agencies ( XXXX, XXXX ) and the Creditor ( DEPT ED/NELNET ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Company Response:
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I forgot to schedule my payment to come out on the due date, so I scheduled it to come out as soon as I realized the error. The payment is scheduled to post on XX/XX/XXXX. My mother told me she received 3 phone calls on the XXXX and 3 on the XXXX about the severe delinquency of my loan. I am the primary borrower and only received one call. My loan is barely 15 days past due. When I contacted Firstmark they started that they continue to make those calls even if the payment I scheduled. I asked why they felt the need to call over and over again. They said the calls are randomly generated. I asked why the primary borrower wouldnt be contacted first and he was like oh I dont know. Then he said the calls will continue until XXXX XXXX of the day of the scheduled payment. This is very misleading. My mother was going to make the payment, but thankfully I let her know I already had one scheduled. This tactic seems very misleading and manipulative. If someone has a payment scheduled, they should not be calling anyone other the primary borrower, and they really shouldnt be calling anyone at all if there is a pending payment. The volume of phone calls and e-mails my mother received is borderline harassment. This company should not be allowed go call people numerous times a day when they have a payment pending!
Company Response:
State: SC
Zip: 29316
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On several occasions, Firstmark Services has made promises of applying a Natutal Disaster Forbearance to my XXXX XXXX loans for wildfires experienced in XXXX County. I have had over ten contacts with this company, and on each call, they state they are submitting this to be applied and expedited, each and every time, most recently today, XX/XX/21. Meanwhile, my account continues to grow more delinquent during a time of severe hardship and Firstmark has not honored their promise of applying the forbearance to my XXXX XXXX XXXX XXXX XXXX loans. This company is absolutely subpar in terms of customer service, has caused me great distress over many contacts and still refuses to honor their promise to apply these forbearances on multiple calls spanning four weeks now. This matter is time urgent and requires immediate resolution prior to credit reporting in 6 days.
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The issue that I am having is such ; the credit reporting agencies claim that I owe for three loans that they claim were issued in XXXX but I only got one loan for one semester. I only attended XXXX one semester but there are three loans and I qualified for a Stafford grant then so that paid for a percentage close to XXXX XXXX XXXX. That's XXXX near one semester so why does the loan company day I owe for three more loans totaling almost XXXX XXXX? When I was in XXXX I filed a credit report and noticed that in XXXX they reported my loan was forgiven and since XXXX was involved in the loan scam I believe it was forgiven but as soon as I got released from XXXX a few months later in XXXX someone got three loans they say I owe for now but they are saying it's still from XXXX but I am certain they said I owed nothing in XXXX. Could you please help me with this issue? They refuse to forgive it and I've only had one loan and when I took as semester break I was charged and sent to XXXX so I never got to complete college. It's my first loan and I don't know why I don't qualify for forgiveness if worst things the loans are they original loans. And if they are why were they removed and then put back? And why does the credit collection companies buy debt that I still owe to the courthouse or county for court costs? Why do they keep selling it to other companies before it can arrange payment plans?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Because of covid 19 and the Cares Act, federal student loan payments were suspended until XX/XX/XXXX. Nelnet is not suspending my student loan payments because they refuse to recognize my loan as a federal student loan. My federal student loan originated from the XXXX XXXX XXXX XXXX XXXX in XXXX. Nelnet bought my loan from the XXXX XXXX XXXX XXXX in XXXX. I have been making payments to Nelnet since they bought my loan. I am currently still making the monthly payments even though my student loan qualifies for no payment under the Cares Act. Nelnet needs to stop inaccurately labeling my federal student loan as private. I never had any private student loans when I attended XXXX. I had XXXX student loans which were and still are federal student loans.
Company Response:
State: SC
Zip: 29403
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I graduated undergrad in fall XXXX so my private student loan, previously held at XXXX XXXX XXXX and now currently at Firstmark Services, was in grace until XX/XX/XXXX. I entered XXXX school in XX/XX/XXXX and called Firstmark Services to find out if I was eligible for deferment. I was told yes and sent a form for my school to fill out. I returned said document to Firstmark Services the beginning of XX/XX/XXXX. Never heard anything back. When I called on XX/XX/XXXX to make sure I was back in deferment, customer service rep was rude and condescending and told me that my document was declined due to missing my schools stamp or seal. Upon asking why no one had informed me, customer service rep said that because I was in grace, I was not a priority. All the while I could hear his tv playing in the background. I had to ask multiple times if I needed to make a payment before this deferment business was fixed and he was not giving me a clear answer. There is no where on their website to leave a complaint or do a survey either
Company Response:
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: This account is being reported as 90 & 120 days late on my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards
Company Response:
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A