Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX colleges push debt is time barred. I received less than XXXX and have received no refunds nor civil monetary remedies thus far. 

XXXX I filed for Bankruptcy which discharged in XXXX. It's public record Firstmark Services received notice timely by Bankruptcy Court as to the Discharge. Firstmark didn't show up to Bankruptcy creditor 's meeting nor object to the discharge within the time prescribed by bankruptcy law. Even though debt was time barred, the Firstmark 's representation using Nelnet Servicing LLC continued filings in an adversary proceeding which should of concluded in XX/XX/XXXX. This is XXXX colleges pushed private debt of XXXX. Firstmark never timely closed down nor reported as Bankruptcy discharge on credit bureaus. 

Initial Contact for collection activity after bankruptcy from Firstmark XX/XX/XXXX at XXXX in an email to one of my XXXX accounts. On XX/XX/XXXX I sent a debt validation request. Firstmark 's response included fraudulent documents which were never a part of my original note. 

In the Bankruptcy Firstmark was represented by attorneys on public record. I sent a debt validation request on XX/XX/XXXX but the company has failed to show my legal obligation to pay the XXXX private XXXX College's-pushed debt. I fully dispute and do not agree to incur further debt nor agree with the company 's unconscionable terms. Furthermore, the company has now listed " Nelnet '' as lender (??? ). Also rather than closing down files respectfully like other companies do when in Bankruptcy, Firstmark actually added to the debt and requesting large monthly payment from me. 
I have not signed a note to pay Nelnet. I have not received disbursement of the amount that Firstmark and associates want to collect from me. {$3600.00}. Furthermore, now Firstmark added enclosures that have nothing to do with it even fraudently attempting to change state. I'm sure that in XXXX there was no clause stating that debt would not discharge in bankruptcy, nor any clause of the company 's right to recover other fees and costs. Firstmark subjects and or associates have certainly tampered with documents. I can not verify the info Firstmark Sent me. Also apparently Firstmark and other associate subjects if any to a scheme have clearly used false misleading deceptive practices. For example, passing it around to attempt to avoid various discharges such as the earlier action of the Consumer Financial Protection Bureau to provide civil relief to harmed consumers. For example, a company conduent was mentioned but I have never received notice they were ever my servicer. The Firstmark company keeps changing stories. I never received notice of deragotory reporting when in XX/XX/XXXX Firstmark inaccurately had the XXXX colleges pushed private loan as in default and with a 30 payment at a t union credit. When I timely disputed ( in the past ) with that credit bureau the subject company and associates merely would verify. Then my XXXX XXXX account apparently was hacked for a while and I had to recreate. Now the company is misreporting in another credit bureau Importantly, I want to maintain all my consumer rights. It's only right that I receive civil monetary relief. I understand about statute of limitations. There are recent violations by the company. I've put in years of efforts seeking justice to no avail. I have received no refunds of payment I made nor for my time. There has been great suffering by myself and I have not received fair monetary remedy. 

I've also endured cyber concerns believed to be associated with this company and it's representation. Today prior to submitting a complaint I had to reset my password with CFPB and have had to reset on other sites. I do not recall having filed a complaint on here. I have experienced much undue hardship and have suffered damages associated with my attendance at the XXXX colleges institution impacted directly during the pandemic. I believe the company also used overshadowing after I sent debt validation request. Please pardon any typos

Company response to consumer: Closed with explanation