GRANITE STATE MANAGEMENT & RESOURCES CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/27/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NH 03867	Web
This is XXXX of XXXX complaints that have now haunted me for way too long. XXXX foremost I have a major problem with the initial placement of my loan in collections, I was making XXXX payment to granite state management in NH, where they led me to believe XXXX easy payment took care of all of my loans. Not to mention they also led me to believe that my loans covered my entire schooling (which they did not and XXXX.). Long story short, I eventually was contacted by a collection agency by the name of XXXX and told I had to pay XXXX more per month to them for this XXXX private loan that was sent to collections all while still paying on the other loans. I was confused and upset. I disputed XXXX but then began paying this company XXXX a month for fear of them ruining my credit. I was very young when I made this choice to start paying them and I feel now like this was predatory in nature. Then after paying for nearly a decade I assumed that I would be close to paying them off (now XXXX) and figured I would give them a call. All of this having gone on without any legal correspondence (not XXXX letter mailed to either of my addresses that I had lived in that time), only to find out the balance hadn't been dropped but a measly XXXX. I was furious and demanded records of my payments, and a copy of my original contract. I received these things and found that all of my payments had been marked as "attorney"payments and there was no breakdown of principal, interest or collection costs... just attorney payments. I did some research and found that there were many things going on that were not only unfair but appeared to be illegal. I called them back, informed them that I had looked into this and was told it was not XXXX but the original lender who drafted this. When I called granite state management the refused to speak with me. I again called XXXX and told them I would settle the debt for XXXX. The original loan was for XXXX, I was told my balance was XXXX after paying for more than XXXX years and that they would settle for no less than XXXX. I then finally got a letter informing me I could dispute the debt in writing. So I did just that. I received a call from a different collection agency regarding this matter and explained the whole thing to the gentleman on the phone, he agreed that something wasn't right and said he would loom into it. I never got a call back from him, and then XXXX days ago I got a call from XXXX again. They now are telling me that I owe them XXXX!!!!???? I got quite upset at the man on the phone, he told me that he would knock it down to XXXX and settle. I told him that I wanted to take care of this debt because I want to buy a house which is why I called them XXXX. He then spun that back on me and basically said i could not buy a home because this debt would hurt my credit... As this was a recorded call I asked him if he realized that it was illegal for him to say that to me and he asked me how? I understand this is a small amount of money, and I also understand that one must pay back their debts, but had I not called them apparently id have been paying them for the rest of my life with no idea the debt was growing not shrinking. I am furious and unsure how to handle this problem and these XXXX predatory companies. Please help me.
01/12/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	GA 306XX	Web
Greetings, I am writing you as I have already made several phone calls and I feel that I am starting to exhaust every avenue available to me. I will get directly to the point. I have a student loan that was opened through Granite State Management Resources ( GSMR ) that I opened in XX/XX/XXXX. That loan is currently in Good Standing, and under the Income Driven Repayment Plan. However, I have a number of late payments that are showing up on my credit report from this loan. These late payments occurred because I had a family member kill herself by suicide in XX/XX/XXXX, after a long struggle of mental illness. As a result, I received custody of her XXXX year old son only 3 weeks after her death. Taking a child in who is from an abused and neglected home has been harder than I ever imagined. At the time I was completely unaware and was never educated on when these student loans came out of deferment, and I was never counseled on the options to keep the loan in deferment/forbearance while grieving and trying to care for a new child in our family. After several months of going back and forth with the collections department, I finally discovered the option to put the loan into the Income Driven Repayment plan. I still however, did not realize that the single payments I had been making were for XXXX different loans, and that each loan would show derogatory marks on my credit during my hardship. I was never advised on loan consolidation, therefore my credit was hit multiple times for the same late payment. I am not disputing the fact that these payments were late. I am simply writing this letter in hopes of receiving a good will gesture from GSMR. I have worked extremely hard to get back on my feet and repair my credit. I am at a point now where our family is growing and my husband and I are attempting to buy a house. Having these late payments on my credit report is making it very difficult for me to get financing for a home. As I said, I understand why these late payments are reporting, but I do not feel that they truly reflect my credit worthiness and my true payment pattern. Things would have been much different if I had been counseled and made aware of my repayment options and loan consolidation. I am asking, as a good will gesture, that these late payments please be removed from all three credit bureaus. I have taken the time to educate myself on how to avoid this from happening in the future, I have taken responsibility, and I have worked extremely hard at bringing all of my loans current and keeping up a steady pattern of positive payments after the Income Driven Repayment period ends in XX/XX/XXXX. I know a lot of borrowers have struggled immensely at making timely payments and settling on fair repayment agreements with lenders over the last few years, and I would like to think that I am in the minority of people who have taken the time and effort to straighten my situation out with little to no help from anyone but myself. Hopefully my efforts will be rewarded and you can see fit to remove these late payments from the three credit reports. Thank you for your time and consideration.
07/11/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NC 27028	Web
I took out {$39000.00} of Perkins Loans in XX/XX/XXXX to XX/XX/XXXX to attend XXXX XXXX XXXX XXXX School to get a XXXX XXXX with a XXXX Certification and a XXXX XXXX XXXX Certification. At no time did my school financial aid office or my lender inform me that I would qualify for the Public Service Loan Forgiveness ( PSLF ) program that went into law in XX/XX/XXXX. I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. During my exit interview with the school 's financial aid department, I was advised to consolidate into Stafford and PLUS loans and defer my loans until I started XXXX in XX/XX/XXXX, but was not advised on the proper type of consolidation that would allow me to benefit from PSLF, even though I was attending a program to prepare me to XXXX in the exact schools the PSFL was designed to serve. My current loans are now near {$70000.00}. My loans were serviced by Granite State/XXXX. At no time during the original consolidation was I informed that I qualified for the PSLF program. Shortly after my first year of XXXX, I had difficulty making my full loan payments. Granite State/XXXX advised that I put my loans into the Income Sensitive Repayment Option in order to make payments that covered accrued interest and no principal. Again, I was not informed that PSLF was an option, even though I had to report my occupation and type of employer for the ISRO. I taught for XX/XX/XXXX full school year, ( making 12 payments that would have qualified for PSLF ) then needed to take a medical leave for XX/XX/XXXX taking a medical deferment for 9 months. I taught the XX/XX/XXXX school year. Again, I was not able to make my full Stafford Loan payments. This time Granite State/ XXXX advised me to put my loans into the Federal Family Education Loan Program ( FFELP ) making 12 payments that should have qualified for PSLF.. Again, I was not advised that I was a candidate for PSLF. I was not able to XXXX for the XX/XX/XXXX school year, but did make FFELP payments to cover interest rather than return to medical deferment. I have now XXXX 5 consecutive years for XXXX XXXX XXXX XXXX in various positions that have all qualified for PSLF. I found out about the Public Service loan Forgiveness program from a coworker ( Who had graduated when I did and had made 7 years of qualifying payments toward the 10 year program ) I attempted to apply for PSLF in XX/XX/XXXX. My application was denied because my loans were not consolidated into the FEDLoans program correctly. My consolidation was not properly recognized until XX/XX/XXXX. Because my school and lender did not inform me of the PSLF and because of the delay in Granite State/XXXX properly consolidating my loans, I currently have 16 qualifying payments out of the 120 qualifying payments needed to complete the PSLF program. Had I been properly advised, I calculate that I could have made 84 qualifying payments by now.
10/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA XXXXX	Web
I HAVE DISPUTE THIS ON XXXX XXXX. XXXX AND I WAS INFORM BY A LETTER FROM GRANITE STATE MANAGEMENT THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND XXXX CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XXXX OF XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH XXXX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED GRANITE STATE MANAGEMENT ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XXXX OF XXXX BUT ON MY XXXX CREDIT REPORT IT SHOWED A DATE OF XXXX OF XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM GRANITE STATE MANAGEMENT REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XXXX OF XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO GRANITE STATE MANAGEMENT IN THERE ANSWER THAT THEY GAVE ON XXXX XXXX XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY EQUIFAX OR MY EXPERIAN CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY XXXX AND MY XXXX CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT
05/10/2019	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	OK 730XX	Web
Automatic payments were set to go out every two weeks from my XXXX XXXX ( XXXX ) account to a student loan account with the Department of Education managed by Granite State. Payments were being made until the account was below a certain amount. Auto payments were stopped from XXXX XXXX to the Department of Education on or around XX/XX/2019 due to a lack of funds and XXXX continuing to send and then charging a insufficient account funds fee of {$17.00} on XX/XX/2019 and XX/XX/2019. XXXX advised me there was no way to not submit the payment if the account was below a certain threshold and auto pay would send the check or other means anyways even if the funds were not there. As such, auto pay was requested to be stopped so insufficient fund fees would stop. Shortly thereafter I started receiving phone calls from ( XXXX ) XXXX stating they were a payment company affiliated with XXXX and needed my credit card number to make the {$35.00} dollar payment since the last one had been returned. They had my name, phone number, and the amount of my last payment. I did not give them my credit card number and I then called XXXX XXXX to ask about this. XXXX said they would investigate and I never heard anything back. I have blocked the ( XXXX ) XXXX number and that number is still attempting to call two to three times per day. The only way this company would have received my personal number and the payment amount is through XXXX XXXX. On XX/XX/2019 I noticed that {$35.00} was taken from my XXXX account via ACH noting the following : USDOE GRANITE ST RETRY PYMT. This was not authorized. I contacted XXXX XXXX and they told me there was no way to verify if an ACH request was authorized by the account holder or not and that I would need to pay a {$30.00} fee to stop the payment. In addition, this payment would have put the account into a negative balance and another {$17.00} insufficient fund fee would be applied by XXXX XXXX if a new deposit was not made. Main complaints : - XXXX XXXX financial practices to recoup revenue on unwarranted insufficient fund fees - XXXX XXXX not verifying ACH requests are authorized ( acceptance on file, code sent, etc. ) - Department of Education or their affiliate using unauthorized means to collect payments ( ACH request, phone calls, etc. ).
09/04/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	ID XXXXX	Web	Servicemember
Last year I asked Granite State Management to provide proof of the loans I took out and blocked payments until the provided proof. They provided only two or three things and not a complete list of my loans for which they are taking payments from me. This is by no means sufficient evidence but to keep myself out of trouble I removed the block from my bank account on XXXX XX/XX/2018 so they could resume payments. They did not take a payment for XXXX but they did take a payment for XXXX, which formally cleared XXXX XX/XX/2018. They have not taken a payment since, despite there being money in my account for my loan payments every month. They send unsolicited links to " information about my refusal to pay my loans '' even though I told them that unsolicited links are dangerous and I will not risk my personal information that way. Send snail mail please. They refuse and still send links, accusing me of failing to pay but click their link anyway. I've responded before but now they have blocked all of my emails, including their general info email listed on their website. XXXX is also harassing me now about my supposed failure to pay when I know for a fact that Granite State is just not even trying to take my payments. I verified with my bank that the last payment they took cleared XXXX XX/XX/2018 but they haven't even tried to take a payment since then. They said that GSMR can give me trace numbers they can look up and I tried to ask GMSR for that info but as I said they have blocked all emails from me. You can see where there were no delivery failures to my responses to failures, despite using a general info address. It really seems that GSMR is trying to default me when I could have been paying this whole time. They are not taking the payments they are supposed to take every month and as I said my bank verified that they aren't even trying anymore. I feel that they are targeting me and harassing me and deliberately trying to damage my credit, increase the interest amounts, and hurt my chances of going back to school all because I had the audacity to demand proof of the loans for which they are charging me. They know that the block was removed considering the successful payment they requested and received XX/XX/XXXX.
07/29/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NH 03820	Web
I went to a XXXX university and like many other students, I took out private loans. After graduating in XXXX XXXX, I could n't find a job. I took the first job I could get paying only $ XXXX/hour at a XXXX. XXXX of my student loan payments was over {$400.00}. It would 've taken XXXX paychecks to pay it. I called to see if there was something they could do but because it was a private loan, there was hardly any flexibility. I did the best I could to pay it but I found myself scraping for pennies. I worked XXXX jobs, seven days a week in order to send in checks. I switched to the graduate repayment plan but overtime, I would pay more interest. Little did I know how my money was being applied. I apparently accumulated {$620.00} worth of late fees in XXXX and part of XXXX. I called to see if I could get these waived and the representative said they could n't do it unless it was an error on their part. I put in a request to speak to a manager but all they could do is say they 'll put in the request and have them call me back within XXXX hours. After a week of not hearing from them, I decided to call them back and they were finally able to transfer me. I told the manager my whole story and how I was going through financial hardship at the time and if there was any way I could get these late fees waived. I also added that it is SO frustrating knowing I worked too XXXX hard just so my money can go into late fees instead of paying off the high balance on my student loans. To no avail, the manager just said, " I wish there was something I could do but I know the request would get denied. '' I just feel like these student loans are the death of me. And there are no programs out there that could help. I 'm in the right track with these loans as of XXXX. I like to tell myself that I 'm doing the right thing by paying these loans instead of taking the easy way out and placing it through bankruptcy. But I feel like these lenders are n't willing to help in any way. They have the abilities to waive late fees and yet, they make it so hard on people who are trying their hardest to do the right thing and pay back these high interest loans.
11/19/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	TX 75093	Web
I have student loans with Granite State Management and Resources. When I look at my statement online, the loan appears in XXXX groups. I sent an amount slightly higher than the balance of Group XXXX to completely pay it off ( in addition to a regular monthly payment ). I had no past due amount. I submitted instructions in writing asking the lender to apply the amount in excess of the regular monthly payment to the principle of Group XXXX to completely pay off that loan balance, which would leave me with just XXXX loan. Additionally, I spoke on the phone with a representative and confirmed my instructions. The representative said that my payment would apply as instructed, paying off XXXX of the loans. Next month, I checked my account history and saw that my payment was NOT applied as instructed, but instead was applied to XXXX loans in percentage ( more money went to the principle of a higher balance loan, and less money went to the lower balance loan, which is the XXXX I attempted to pay off. After calling the lender again, a representative said that they are unable to follow my instructions for payment and can only apply my payment to XXXX loans. I asked how they determine how much to apply to each loan, and the representative said that it was up to their ( the lender ) discretion. You will notice from the attached documentation that at the time of payment, I received and was able to print a receipt form Granite showing the entire amount being applied to Group XXXX, but in reality it never happened as you can see from screen captures of my payment history and current account details. My written instructions, which I have submitted to Granite a day before the payment, are attached to this complaint as well. The statement contradicts my rights to instruct a lender on how to apply my payments, and allow me to repeat that I had no past due payments, and I sent enough funds to cover any current payments and interest on XXXX loans in addition to the payoff amount for the specific loan. The lender refuses to follow my instructions for payment application.
12/22/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	DC 20010	Web
Granite State Management & Resources ( GSM & R ) is the loan service provider to whom I will be making payments for the next 6 years. I believe the company has a practice of purposefully delaying the initiation of loan payments in order to collect more interest on the debt they own. In XX/XX/XXXX I completed the required financial aid exit counseling on https : //studentaid.ed.gov/sa/, and I selected an income-driven repayment plan. I chose this option because, based on the studentaid.ed.gov training, this plan would result in the lowest interest payment over the life of the loan ( saving me approximately {$20000.00} ). I selected the REPAYE plan, and I stated that my income would be {$85000.00} beginning in XX/XX/XXXX. I started working two weeks after graduating, and I was expecting to begin making payments immediately. On XX/XX/XXXX, I received a letter from GSM & R, stating that my loans were in the 6-month grace period, and that GSM & R had placed my income-driven repayment plan request on hold. I did n't question this delay, but I should have. On XX/XX/XXXX, I received a letter stating exactly the following, " As you requested, we applied or updated an income-driven repayment plan for your qualifying student loans. Your qualifying federal student loans are on an income driven repayment plan. Your monthly payment amount for qualifying loans will be {$0.00} for 12 months, beginning XX/XX/XXXX. The letter literally said, XX/XX/XXXX. When, I called GSM & R and asked to begin making payments immediately, I was told that I would have to submit a request the REPAYE plan again via https : //studentaid.ed.gov/sa/. I did this. Today, XX/XX/XXXX, I spoke with a GSM & R representative who confirmed that they had received my application for the REPAYE plan. They told me that it would be processed in 30 days. Based on this experience, I feel that GSM & R is trying to maximize the amount of interest in collects from graduates by nudging them into a position where they delay the initiation of loan repayment for as long as possible.
07/17/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	CA 93003	Web
The Dept of Education transferred a Plus loan from XXXX XXXX year XXXX / XXXX to Granite State Management & Resources. I did not receive a notice of transfer. I did not receive anything from Granite State in the mail either. I did receive e-mails from Granite State indicating that I should set up an account. They did not reference an account # or the Plus loan for my son. It looked like a Phishing email, frankly. Anyway, I was not worried since on the credit application we checked that it would be deferred until after Graduation. Then, out of the blue and via e-mail only, I get a notice of delinquency and a threat to trash my credit rating. Still nothing ever in regular mail. I call them to see what this is all about and they say that the loan is due now and that I am past due for 3 payments. Why did I never receive anything, via e-mail or snail mail to this effect? Well, because I have to set up an on-line account to see the payment messages. Why are you collecting on a loan that was not supposed to be due until my son graduates? We did apply for the loan at StudentLoans.gov and we did check the option of deferring until after graduation but Granite State ignores that and just states : " Oh, the deferrals do n't always work. You can go on-line to request that ''. Nice to know. So I finally go on-line and set up an account but there is no way to defer to post graduation unless you have a hardship or low income. Is this true? First I 'm hearing about it. So much for check boxes on the application. Not wanting to trash my credit rating I had to set up payments immediately, paying past due amounts and agreeing to automatic withdrawals. I still have no explanation as to why none of this was communicated properly in e-mails or snail mail nor why I ca n't defer until after graduation. And their customer service personnel on the phone are atrocious. No explanation, no help, just " that 's the way it is ''. Please, tell the Dept of Ed. to stop selling loans to these people. They do n't seem to know what they are doing.
12/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	WA 98037	Web
HI, I wanted to submit my complaint to advise you that as of XX/XX/2019, I was recently hacked from a Malware site that compromised my personal information from my cell phone. I was locked out of my emails, my contact list, and somehow they hacked my XXXX account. I was able to recovery my XXXX account at work using a secure connection, later that evening with the help from XXXX, when I submitted my claim. All the information that I have noticed being published about me is absolutely false, and as a result of Identity Fraud with my personal information being hacked, and credit inquires that are unwarranted on my account. I have not at all engaged in any illegal activity with these publishing 's. The information provided is fraud as I noticed the negative impact of false information on my account. I have never been in trouble with the Law before, except pending case now. I have never had child endangerment charges, domestic assaults ' charges at all. I would like to have that taken off for public record, as is completely false. I am legally bind to stay out of trouble, and have been. I have reported to XXXX and explained the situation. I will be getting a hold of the fraud unit of their department Monday. The malware issues are solved now on my phone, and I'm able to retrieve some of my emails. I did notice some of them were deleted, as it concerns me in a pending court matter. I was unaware of this information, being published, Til I saw it on your website, the legal civil notice of Privacy act, and Civil penalty fee. I am overwhelmed with the information I have seen. Under truth the allegations are false, incorrect criminal history, personal information wrong, false credit inquires, or any use of money transferring, new debit cards, and my current bank was withdrawn fund, frauduantly obtaining new student loans are falsely incorrect as well. If you have any questions, or concerns proceeding this matter. Please feel free to contact me, Thanks so much!
07/08/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	WI 54729	Web
In XXXX, XXXX there were 2 loan disbursements- {$860.00} & {$1100.00}. The company also did disbursements in XXXX, XXXX ( these disbursements do not show in the account history ). The disbursements were returned to GSMR to the school, because the classes were dropped. The following personal payments were made by me XX/XX/XXXX- {$1100.00} & {$700.00}, XXXX, XXXX {$750.00}, and XXXX, XXXX {$1200.00}. The XXXX payment was made to pay the loan in full, however at that time, I was unaware the disbursements were being returned. I learned this on late in XXXX, XXXX when I received a bill from the school. I looked at the GSMR account online and the history showed what I described above. Disbursements equal to {$1900.00} and Payments equal to {$3800.00}. I called GSMR on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they could not explain to me how much they disbursed. On each call I was told I would have a call back within 48 hours. I did not get any returned calls. I also called the school in this time frame and they were unable to explain to me what happened, however they said they would call me back, which they did and they explained the disbursements were returned and told me GSMR admitted to them they owed me a refund. On the XX/XX/XXXX call to GSMR, the rep admitted to me they owed me a refund, however it would be 8 weeks before I would get the check! I asked what the amount of the refund would be and she didn't know but PROMISED to call back XX/XX/XXXX with an accurate refund amount. I told her if I did not get a call I would be returning the {$1200.00} payment. She did not call. Now on the website the disbursement amounts are the same however the payment amounts are different. I have proof what I paid them and when. They haven't applied all the payments to loan and they are NOT being transparent with the loan amounts or how where or when the payments are being applied. .
07/15/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	NM 87121	Web
Please consider a review of the Federal Student Loan program, and the conduct of Federal Loan servicers. Item : 1. Overpayments being used to offset future payments. As a student loan borrower, if you make an additional payment, or pay over the monthly amount, servicers are applying the overpayment against future month 's payment. This is incorrect. The payment amount is based on the amount of time that has been agreed to in paying off an loaned amount - any increases in payment or payment speed should shorten the principal amount owed - and thereby the amount of time required to pay. What these Student Loan servicers ( Granite State Management & Resources in my experience ) are doing is maintaining the original amount of interest due by not reducing the principal with amounts over the payment amount or payments that occur earlier than the agreed-to payment dates. They should not be allowed to receive any more amounts in interest than what is equivalent to the interest rate times the amount of funds x time borrowed. They should not be allowed to " tack time on '' to increase the total interest payment amount, or maintain an artificially-higher level of payment distribution towards interest than towards principal. The requirement to a separate payment ( by mail, phone, etc. ) in order to get additional payment amounts to apply towards principal is in no way designed to assist the borrower. This is equivalent to a pre-payment penalty, and should not be allowed to be applied towards federal student loans just as prepayment penalties are no longer allowed to be applied towards private bank credit cards or any other private loan. This is ESPECIALLY predatory, since the loan can not be discharged in bankruptcy and certainly should not be allowed with Federally-guaranteed loans. Thank you for your consideration, and your service.
10/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY XXXXX	Web
Granite State Management has ruined the last 14 months of my life. I have not been able to rent an apartment, apply for any credit or to be able to continue to build my financial status. I have been requesting since XX/XX/XXXX for GSMR to check the system to rectify the error on my daughters student loan account. Initially, I was told the issue was with my daughters college, XXXX XXXX XXXX. GSMR has been informed that my daughter is no longer a full-time student and it automatically took the student loan out of forbearance. After the third call, I went to XXXX XXXX financial aid office, my daughter, XXXX and I spoke to XXXX. I was told this can be cleared up quickly. We contacted GSMR on the phone and informed them the information will be sent from the school. After GSMR received the information, I was informed there was a different reason as to why my daughters loan was in deferment. I was told I never signed a deferment to begin with. GSMR requested for me to sign another deferment. I did not agree with their advice, however if I did not it was going to make my credit worse. I signed temporarily, in hopes that the school would be able to provide proof of my statement. Friday, XX/XX/XXXX, I spoke with a supervisor from XXXX XXXX Financial Aid Supervisor, she expressed she had the same problem with her student loans while in college and accessing the Federal Student Loan Database was her solution. She explained that GSMR has full access to the Student Loan Database and should have been able to verify this information without hardship. I have continually requested for GSMR to please check all records that may be privy to such information and they continued to reflect negative false information that was harmfully to my credit report and my familys livelihood.
05/16/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	PA 17601	Web
In the fall XX/XX/XXXX semester, I had attended one university, and then later transferred to a new university for the Spring XX/XX/XXXX second semester. I withdrew from first university, but enrolled as a full time student at new university. Granite State management on XX/XX/XXXX, notified me that my enrollment had changed to withdrawn or had dropped below a full time student, I immediately contacted them and was able to provide all the correct documents to show that I was in fact still a full time student, but had just transferred. We were able to work through the issue and my loan was put back in deferment. On XX/XX/XXXX, they contacted me again stating that my enrollment had changed yet again, which it had not. I checked with the university and I was still enrolled full time and even already had my enrollment confirmed for the fall XX/XX/XXXX semester, which I had provided when the first time the company contacted me on XX/XX/XXXX. I call the company again immediately and they refused to even look at my current enrollment and said they were unable to help. They offered for me to fill out deferment paperwork again, which I did, but they will not listen to me that I believe that they are using my former university 's status of my enrollment, and not the school I had transferred to. This reoccurring issue is ridiculous and they are unwilling to listen and provide me with any information. They blame the university, tell me to call them, although that is far from the case. This issue could easily be resolved, but they seem to be making it very difficult to be able to work through this.
01/17/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	CA 90028	Web
Granite State Management never sent the invoices to my correct address. They sent invoices to my father XXXX XXXX 's address in XX/XX/XXXX. I was living in XXXX XXXX, NV from XX/XX/XXXXXXXXXX/XX/XXXX and I now live in XXXX XXXX, CA. I never received any bills or invoices. Furthermore, they never emailed me, called me, faxed me or contacted me. They have zero accurate information about me. I only knew about the invoices when I came back from visiting XXXX XXXX in XX/XX/XXXX to my parents home address. By that time, Granite State Management had already had my invoices as 120 days late. I paid immediately the amount due and I have never missed a payment when made aware of the invoices. This can easily be seen with my account balance history. However, Granite State Management REFUSES to change these late payments and correct them. I filed multiple disputes with all 3 credit report agencies and none of them will make any changes because Granite State Management will not make the corrections. I never received any invoices or bills from Granite State Management. I was living in Nevada and can prove my residency from XX/XX/XXXX on. I was also never contacted. Granite State Management never spoke with me directly once. I have never made a late payment in regards to this account and never will. Granite State Management needs to correct the late payments and remove them. I can provide and will provide all documentation needed.
05/26/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	WA 98112	Web
My servicer is Granite State Management Resources ( GSMR ). First, they removed the checkbox for " Do not advance payment date '' from the online payment interface, so that overpayments were automatically applied to future payments, rather than to reducing principal. In order to access the option, you had to make a double payment. Then, the removed the box altogether, even for more than double payments. In order to have your payment applied to principal, you had to follow up with an email through their online " Contact Us '' form. Then, several days later, they would reapply the payment to principal. They did not allow you to make this a permanent request, you had to follow up after every payment. After making my payment today, I attempted to follow up online through their website, but the online contact form is now gone. You have to follow up by phone ( M-F, XXXX XXXX ; conveniently, I am on XXXX ), mail, fax, or they now have a " Visit Us! '' option with an address in New Hampshire. Really?! This is ridiculous. I have been trying to pay off my loans as soon as possible, but GSMR keeps increasing the difficulty to do so. When I have spoken with the servicer on the phone, I have always questioned these changes, and requested that they reinstitute the options that make repayment easier and simpler. They are not interested in this feedback.
12/05/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	GA 30013	Web
For the last 15 months, I have been making payments on my consolidated student loans through Granite State Management. Due to other financial responsibilities, I have had decreased the amount I have been paying ( mine are currently deferred because I am enrolled XXXX XXXX at XXXX XXXX University for XXXX XXXX ). At the start of these 15 months, my payments were exactly what was needed to keep up with interest ( {$170.00} / month ). I have been using the " pay by group '' option to make the interest payments per group. However, GSMR has NOT been applying the correct amounts to the correct loans, despite the " pay by group '' option they allow on their payment website. Some months a loan group will have {$0.00} accrued interest while another will have {$210.00}, despite my paying the full interest amount on the latter the previous month and none on the first! I have called them twice about this, and they simply say to " wait 30-60 for proper processing. '' They have never once processed it per group as I have stipulated, the result of which is that it is impossible for me to keep up with the interest on specific loans at my current payment rate, while other loans get principle payments that I have NOT stipulated! This is beyond irritating and frustrating - it is costing me money! This is NOT acceptable.
09/13/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	NY 10703	Web
I applied for student loan forgiveness with the XXXX DOE on XX/XX/XXXX, for my many years of teaching with them. I received approval in XX/XX/XXXX. I immediately faxed the approved student loan forgiveness to Granite State Management & Resources, from XXXX XXXX XXXX, here in XXXX, NY where I live. I fax successfully went through and I received the ok, as I always do when I send a fax out from this library. Granite State Management & Resources, has told me over the phone that they have never received this information. It is on record with the XXXX DOE and apart of the fax system at XXXX XXXX XXXX, in XXXX, NY. I have also been on unemployment since XX/XX/XXXX. I have sent them documentation on several occasions proving my unemployment. Granite State Management & Resources, is also telling me that they have not received the information, even though I have an ok that that information was received through fax. I have recently e-mailed them proof of my unemployment. They continue to add on cost to my student loan, refusing to issue me my granted student loan forgiveness from the XXXX DOE. They have also ignored the fact that I have been on unemployment from XXXX and then again consistently since XX/XX/XXXX.
05/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MA 025XX	Web
On XX/XX/XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XX/XX/XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XX/XX/XXXX on my student loans from XXXX and Granite State Mangement, both XXXX and GSMR agreed to the discharge. In XXXX XXXX XXXX also discharged my private student loan through XXXX. I pulled my credit report from XXXX and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and Granite State Management and private school loan from XXXX. My credit report in XXXX also showed XXXX and XXXX paid. But Granite State Management status is listed as Open as Unknown. I called Granite State Management and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and Granite State Management repeated the same and said they were not obligated to clear it up now. I complained to XXXX, XXXX and XXXX and they say I have to get Granite State Management to clear it up.
03/16/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	NH 038XX	Web
After my federal school loans went into default, I was sold by a collection company on a " rehab '' program that would remove defaults and negative information. I was mislead severely, as GSMR had me in several " groups '' with multiple loans, and in one of those groups was a private loan. I had no idea this loan was n't included in my rehab and of course no one mentioned anything. Well 15 months later my private loan was charged off and I only found out because I was denied a mortgage. So I called gsmr and they are n't even reporting the positive payments to XXXX, they have so many redundancies in my credit reporting that it is sickening. They are destroying my life. I have disputed every account over the past 9 months and they fail to update the info and the CB 's do nothing. They wo n't even let me into a payment plan on the charged off loan, they said I ca n't consolidate my REHABED loans because one is subsidized and the other is n't. This is causing my installment balance to be twice the loan amount because of forbearance!!! I am pretty sure they are re-aging my debt as well on the private loan. They ca n't show me the payment that was last made.
11/14/2019	Yes	Student loan Private student loan	Credit monitoring or identity theft protection services Billing dispute for services	DE 19701	Web
In 2009 my purse was stolen and it contained all my personal information ( driver 's license, social security card, birth certificate and all my children 's personal information ). When i got my credit report there were things that i didn't do. I contacted Granite State Management about a loans that appeared on my credit report. I explained that I am a victim of identity theft and the loans was opened fraudulently by someone else that is using my identity, I sent in proof of my identity theft. I sent a police report, affidavit from Federal Trade Commission, affidavit from DMV, and a statement from me explaining the situation.I have several attempts to rectify this situation and it's still here affecting my credit. It's affecting my life and i didn't even do it. I have never applied or accepted and loans from Granite State Management, so it should be removed as soon as possible. My credit report says the amount is for {$9900.00} and the account was opened on XX/XX/XXXX XXXX. I have knowledge of this account because i have never applied for any loans. After call after call and letter after letter, Granite State Management will not do anything.
01/12/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NJ 08055	Web
I have called GSMR multiple times over the last year regarding my loan payments. I have been enrolled in autopay for a number of years and noticed in XX/XX/XXXX my payments stopped being collected for no apparent reason. I was informed by GSMR that this was because I entered a graduate program and the loans were in deferment. I requested that my loans not be placed in deferment, and that I wished to continue making payments on my account. I was informed by a customer service representative that I would occasionally miss one month, as their process was automatic, but there were notes made on my account and the autopay would pick up the following month. Whereas I didnt fully approve of this explanation, I went with it as I didnt feel like fighting. I notice today that apparently they have not pulled a payment since XX/XX/XXXX. I feel this is an unethical business practice, as they cancel my autopay, with no notice to me, and continue to rack up interest on a loan that I have been attempting to pay. This organization makes it so difficult to repay your loan in hopes that they can continue to collect interest from you.
04/05/2017	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	NH 038XX	Web
Miscounciled and misguided multiple times about my options when communicating my current financial hardship. I was Offered options that were not available to me even after I expressed doubt about those options given and was led to believe my loans were at a status or moving towards a status that would not negatively affect me. In my financial hardship I have contacted them multiple times to work soemthing out until I was able to repay accordingly. Now I am at a point where I do not trust anyone I talk to with this lender because it seems to be getting me nowhere but further and further down. I feel like I have done everything I can in communicating with them and my patience is being tested. My current financial situation is XXXX enough and I have been working towards finding work that can support the cost of living of a single woman on her own. At this point I feel it 's dead end communication in contacted this private loan lender and need help in moving forward with options that are pro active towards bringing me relief during this difficult time.
07/06/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	MA 01720	Web
This problem originates with a school that has since closed down and left few options for continuing education without starting over and it ends with the shady practices of the financial aid department who promised me they were finding me all federal loans and than had me sign off on a loan private loan from a institution I was provided little information on. A naive and unlearned XXXX XXXX XXXX had no knowledge that this was a private lender and thus required immediate repayment of loans and at a then exorbitant rate. Student loan from Granite State Management & Resources Received initial disbursement of {$3300.00} on XXXX/XXXX/XXXX with two subsequent disbursements of {$3300.00} and {$3300.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, respectively. Total loan of {$10000.00}. My interest rate is currently 4.29 % I have currently paid {$6900.00} of the principal yet still owe {$4800.00} due to {$1700.00} in XXXX XXXX. My current monthly payment breaks down as follows : Total : {$90.00} Interest : {$48.00} Principal : {$41.00}
01/10/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94609	Web
On XXXX XXXX, XXXX, I called Granite State Management to make arrangements to make a payment and avoid a negative credit report. I talked to a representative that was open to hear what I was saying and I told her that I forgot to make a couple of payments. She said that she understood and told what amount I owed. She said she would document that I called. I believe I asked her if there was going to be a negative credit report against me. She stated that there would not ( I believe ) as long as I made attempts to pay and because I called. I asked if I needed to make a payment that day. She said no because I said I would mail it. I was not given a specific day that I needed to pay. I mailed in a payment about a week later but XXXX the made a negative report against me. They received the payment before they sent out an email stating that a negative report would be sent out. The payment was cashed on XXXX XXXX, XXXX and the email ( re : time to avoid a negative report ) was sent on XXXX XXXX.
07/04/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't decrease my monthly payments	WA 983XX	Web
Right now I 'm paying what I can but its not nearly enough to cover the past due balance, let alone the monthly minimum. After having to declare bankruptcy in 2011, my credit had improved to XXXX. When GSMR reported me 120 days past due, it dropped overnight to XXXX. Among other things, that affects my ability to qualify for employment. But I think the damage is already done. With regards to my account. The principal balance is $ XXXX. Unpaid interest is another $ XXXX. Outstanding balance is {$130000.00} Interest rate is 7.375 %. Past due amount is {$6100.00}. This does n't even include the private loans. My wife has student loan debt of her own around {$90000.00} with an interest rate north of 6 %. Our combined incomes lead the loan servicers to believe we can afford XXXX minimum monthly payments. This is simply not true. As her credit is better, we pay her loan payments in full to preserve her credit.
11/15/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	FL 32246	Web
For 18 months now, since I began closely monitoring my loans, I have had to call my loan company ( Granite State Management & Resources ) almost every month due to misapplication of loan money. I try to make targeted payments to pay off specific higher interest loans, and many times they simply spread it across all loans despite my specifications given both online and over the phone. The last couple of months, they have adjusted the amounts paid slightly on my loans, and have actually increased my auto-debited amount without my consent. The amounts are negligible for just me, but if this is happening to many of their clients, they could be making a whole lot of extra money by slightly adjusting payments, most so slight that I imagine many people would n't notice. I 'm tired of having to call and call just to have them do the same thing again the next month. There 's no reason my auto-debit should ever be different.
01/16/2019	Yes	Student loan Federal student loan servicing	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30316	Web
I am writing in regards to Granite State Management Group who was sold my student loans to following college graduation to pay back these loans. I unfortunately had no money in the economy downturn crisis coming out of college of XX/XX/2007 and did what I could to pay off the loans accordingly. I had a few late payments to which they recorded in my opinion on my credit report 4 different times between the accounts. Now over 6 years later I contacted them in regards to working with me to take these off and they had no care to and just directed me to file a complaint and let y'all take it from there. I do understand that at the 7 year mark is when these red flags should taken off my credit report to which I will make certain that does happen before then or on that very date. i am so close it would make sense that they are taken off promptly. Let me know what you all need from me to keep this inquiry alive.
09/22/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	NJ 07003	Web	Servicemember
On or around XX/XX/XXXX I have been in communication with my student loan lender ( Granite State Management & Resources XXXX XXXX XXXX XXXX, NH XXXX ). I am currently applying for a major loan and I need my actual payments when my loan go into repayment. I have been advised that my account can not go into repayment or that they can not update the payment until the grace period elapses. The system would show that I am on the extended plan, however, will not change the term from 120 to 300 months. This document will determine whether or not I get the loan. Therefore, it is urgent that someone help me. I am not able to wait until XXXX of 2019 to get my correct payment data. Additionally, I was told the Department of Education will not allow me to go into repayment status before the grace period. I have other loans with a different provider and I didn't have this problem.
10/06/2019	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NE 68127	Web
XXXX XXXX XXXX has harassed us at the phone number XXXX phone/caption call for months and months and 7 days a week 24 hours a day asking for someone who has never lived at this address and we do not know this individual and have told them this and they refuse to stop harassing us over her not repaying her college loan or that is what they are claiming. I have explained that my mom is almost XXXX XXXX and with hearing impairment and I have had XXXX XXXX but they say they will stop calling us and take our number off their list but do stop this continued harrassment and continue to call all hours and wake us up at night and continue to demand to speak to an individual whom we do not know, some refuse to stop calling us. This is totally unprofessional and is harassment. We do not owe any student loans nor do we know the person they continue to call and harass us over.
10/13/2017	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	VA 22309	Web	Servicemember
InXX/XX/XXXX, my daughter was accepted into XXXX XXXX College. However, after one week, she asked to come back home because the school climate was not conducive to her as an XXXX XXXX. She withdrew from the college and then we started receiving invoices for repayment of a {$5000.00} loan. This private loan was never distributed to her nor my account so we do not understand why we are repaying a loan for one week 's stay.. When I asked about this loan of which I believe I am a co-signer, I was told the school records indicate that she was enrolled from XX/XX/XXXX to XX/XX/XXXX. This is incorrect and this loan is being questioned. The school 's admission office was pushing all type of financial aid so that she could attend their school. We would like this matter investigated.
10/12/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 93444	Web
Credit report states this account was open XX/XX/2016. The account status is still open. I didn't receive any notification of this debt by phone, mail or email. I noticed this account was being marked as I had " missed payments ''. I am doing my due diligence to work with the creditor " GRANITE STATE MGMT - DIR '' to pay my monthly payments on time but I am still concerned about the negative remarks on my credit report saying I have missed payments. The negative remarks are affecting two seperate accounts, coming from the same creditor " GRANITE STATE MGMT - DIR ''. One balance is {$4500.00} and the other account balance is {$2100.00}. I would like to address this immediately and ideally, have the " missed payment '' negative remarks removed from my credit reports.
09/27/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	VA 23454	Web	Servicemember
The school referred me to the lender. After obtaining the loan my school closed. I 'm upset because I was indigent at the time and they required my grandfather to co sign. I am unable to apply additional payments and by the time I pay it off it will be more than XXXX paid on a XXXX loan. I have been unable to work out anything with the lender other than a deferment. Private loan through Granite state management and the lender continues to contact my family members and cosigner even though my payments are on time and up to date. It is all very upsetting to my elderly grandfather/co signer. My payments keep going up also and it is a tree loan which we were unaware of. The interest is ridiculous and the loan was misrepresented.
09/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11203	Web
I applied for a student loan for my XXXX. I was told by the student finance officer the loan will automatically go into deferment and will continue as long as she stays a XXXX XXXX XXXX at XXXX XXXX XXXX UNIVERSITY. From XX/XX/2018 to XX/XX/2018 Granite State Management took the account out of deferment causing it to reflect late payments, without my knowledge or good cause. I was told their system shows my XXXX is no longer in school. My XXXX has been a XXXX XXXX XXXX since initial enrollment. I was told I had to make another request for a deferment. I went to my XXXX school and told them they need to notify the loan institution of the correct information so these late payments can be removed from my report.
04/16/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	IL 60660	Web
I have been with Granite State Management for a few years now. I just learned that I may qualify for Public Service Loan Forgiveness, so I decided to have my information reviewed by XXXX XXXX to see if I qualified. I submitted all of the documentation to XXXX XXXX. First off, I received letters from XXXX XXXX that I did not re-certify my loans this year. This was incorrect. I had completed all of the forms, but XXXX XXXX never received my info from Granite State Management. Granite State closed my file without transferring all of my info over to XXXX. I have had my loans in an IBR and ICR for years now. The two agencies do not speak to each other. This program is a scam. Thanks for nothing!
10/06/2016	No	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	NY 10009	Web
Granite State Management and Resources erroneously submitted to my credit reporting agencies that I filled for bankruptcy and claimed my student loan accounts as those I could not pay. My account is up to date. My XXXX scores dropped XXXX points. I called and the customer service representative indicated it was an error that impacted " thousands of borrowers '' and that they were fixing the issue. She indicated they were not planning on notifying borrowers and I explicitly had to request a letter. I asked for free credit monitoring and they would not provide it. They said I had to keep an eye on it. They would not provide a reference number for my call.
12/30/2019	Yes	Student loan Federal student loan servicing	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33056	Web
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!
11/15/2019	Yes	Student loan Federal student loan servicing	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	KY 40505	Web
I moved from XXXX to XXXX early 2019. I notified Granite of address change. I was never alerted to payment issue. Once I saw the 90 day late payment, I disputed through the credit bureaus and directly to Granite. XXXX moved the 90 day late payment from XX/XX/2019 to XX/XX/2019. But the status date has never changed? Did a reasonable investigation really happen? And a remark of consumer dispute this account should have reported after the direct furnisher dispute. Plus Granite never mailed me their process of re-investigation of a dispute like the credit laws allow me to receive.
09/19/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	CA 90403	Web
I submitted an application for loan forgiveness to Granite State Management & Resources, who holds my loan, and although I met all the requirements, they denied my request stating that I had another loan in default but I do not. XXXX can attest to the fact that all my loans are in excellent standing and that I am not in default of any loan. I owe approximately {$600.00} for the XXXX XXXX XXXX loan that Granite State Management and Resources holds, and have made payments for over 10 years without fail. I have also worked at a XXXX and am a XXXX ( 13 years ).
02/26/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 34293	Web
At this time we, XXXX and XXXX XXXX are looking at filing a Chapter XXXX bankruptcy petition. We are receiving too many calls at our home and on our cell phones from the collection departments of the credit card divisions of many banks, and we need all communications to cease immediately. We have retained a law firm to handle our affairs, and we want all future credit card statements to be forwarded to the following entity : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Washington, DC XXXX.
04/11/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60419	Web
For years now I have been trying to get this GRANITE STATE MGMT removed from my credit. I have never had an account with them. I have never made any payments. I have never been late. I have had 0 contact or association with them. And the credit agencies have failed to show a written signature agreement between me and this company. This debt is clearly fraudulent and I want it gone from my credit. I am fed up. I have years of documentations to back my claim. The next step is my lawyer.
03/17/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	OR 97124	Web
I do not have my complete loan information at the moment. Currently, I am in repayment of my student loans. I have been making more than the minimum amount towards my student loans for four years, paid out about {$10000.00} and my principal and interest has not decreased. Please advice and assist. The servicer 's website provides limited information and advice, in addition, it takes about an hour to speak to a level one customer service person.
12/12/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	CA 95121	Web
XXXX XXXX XXXX has been avoiding my deferment requests. I have a XXXX XXXX loan and my child is currently attending school full-time for an XXXX degree. XXXX & XXXX is not doing their due diligence by not promptly handling my requests. When I call them, they always have a different reason for how I have n't completed the correct forms, but I simply followed the instructions on their website and from their representatives over the phone.
11/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30034	Web
XXXX has been non-compliant with removing the unverified account GRANITE STATE MANAGE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GRANITE STATE MANAGE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
09/17/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX 77025	Web
I have called Granite State Management Company twice seeking a repayment schedule for my loan. They have never delivered it. In addition their website or billing process offers no ability to designate principle payments. Also, their billing process is deceptive, in that it lowers the monthly payment based on prepayments, convincing borrowers that they are making more progress than they think on their loans.
08/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NH 03102	Web
My student loans that have been rehabbed are being report twice on XXXX and XXXX. Exact same loans one showing current the other showing close derogatory. The is wih Granite State Management. So its 12 on each report. XXXX will not let me dispute this at all because I dispute back in XX/XX/2017 about the amount owed. This problem is sinking me. I need help. Other than this my credit is in very good shape.
02/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MT 59718	Web
I reported on XX/XX/XXXX to XXXX, that a student loan in the amount of {$31000.00} was paid off in XX/XX/XXXX. The debt was owned by GRANITE STATE MANAGEMENT RESOURCES ( GSMR ) I provided documentation to XXXX that the debt was paid off. XXXX reported that GRANITE STATE certified the debt as current. The document provided from Granite State clearly shows the account is at a XXXX balance.
01/13/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	FL 22314	Web
Received a phone call from the 'federal student loan processing center ', voicemail left by a man name " XXXX '' and that I 'm eligible for a reduction in my student loans, an offer from the current administration. I did not speak to this person, only have a voice mail on my cell phone from phone # : XXXX. I have not and will not return the call, nor take the call if I 'm call upon again.
10/10/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	IL 60628	Web
my student loan is in good standing. no late payments. It was removed from XXXX credit report only. this has affected my credit score. I called them but no change. It was amazing this happen on the day i applying for a loan. I believe this was done deliberately. this was an underhand interference and calculate during the time of applying for a loan. The loan was denied.
06/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55044	Web
Granite State Management and Resources shows me as 90 days late on a payments from 2015. All XXXX credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.
10/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 190XX	Web
XXXX continually lowers my XXXX score by mis rating and connecting a Gran9te State Management Account, Interest is accruing, but loan is not due payable for 6 months yet, I can not pay interest until payment is due ... this is incorrect, and they need to stop this baloney
07/13/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	LA 703XX	Web
I couldnt fill out the loan repayment change request form because i am on my cellphone. I would like to lower my monthly payments. My monthly income is {$350.00} & i have other expenses like phone & other utilities that wont allow me to be able to pay {$50.00} per month.
04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37013	Web
GSMR is a student Loan on Forbearance and they have reported to the three credit bureaus as 90 days late. They did tell me over phone that the 90 days late will be removed since it has been on forbearance since 2018 but nothing was done till date.
04/05/2018	Yes	Student loan Federal student loan servicing	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NJ 08723	Web	Servicemember
Three subsidized loans are causing my credit report to show 15 late payments when there should be only five late payments. All subsidized loans have been combined in the past to make up sum of loan debt, not separate loan debts.
04/22/2018	Yes	Student loan Federal student loan servicing	Incorrect information on your report Old information reappears or never goes away	TX XXXXX	Web
I went to XXXX XXXX college in XX/XX/1995. The college went out of business and I never got a degree
06/10/2020	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	TN 37090	Web	Servicemember

05/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02359	Web

04/28/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	CA 92354	Web

04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	NH 03044	Web

04/15/2020	Yes	Student loan Federal student loan servicing	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48167	Web

04/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web

03/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web

02/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64015	Web

01/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19380	Web

10/20/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	MD 21122	Web

10/17/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	CA 93245	Web

10/09/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	WA 98433	Web

10/09/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	NC 27603	Web

10/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 17033	Web

08/22/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	NY 10703	Web

08/08/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	MD 20850	Web

07/25/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	FL 34711	Phone	Older American

06/10/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan		Phone

05/21/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web

03/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29621	Web

03/28/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	KS 66503	Phone

03/05/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	WI 53012	Web

02/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63121	Web

01/29/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	OH 45140	Web

01/18/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NY 13625	Phone

12/21/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	OH 43212	Web

10/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NE 68164	Web

10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33178	Web

10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30349	Web

09/21/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	NJ 08723	Web	Servicemember

09/14/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	FL 32210	Web

08/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91335	Web

07/31/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	FL 33320	Phone

07/18/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	MA 01880	Referral

06/18/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid		Phone	Servicemember

06/06/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 91702	Web

06/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38107	Web

04/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94551	Web

03/27/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 78526	Web	Servicemember

03/15/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CO 80014	Web

03/14/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	ME 04037	Web

01/24/2018	Yes	Student loan Private student loan	Incorrect information on your report Information belongs to someone else	CA 90034	Web

12/04/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	TX 78751	Web

11/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48185	Web

10/19/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	ME 04106	Web

10/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90254	Postal mail

08/20/2017	Yes	Student loan Private student loan	Incorrect information on your report Account status incorrect	GA 31119	Web

07/19/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	NH 03055	Web

05/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90049	Web

04/18/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	CA 92883	Referral

03/03/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	MI 48193	Fax

02/27/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	NJ 07017	Web

01/24/2017	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	MA 02169	Web	Servicemember

11/13/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	VA 20108	Web

11/10/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	MA 02346	Web	Servicemember

11/07/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	VA 20108	Web

10/06/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	PA 18360	Web

10/05/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	NJ 07087	Web	Servicemember

10/05/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	CA 93063	Web

09/09/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	DC 20032	Web	Servicemember

09/06/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	GA 30683	Web

08/13/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	CA 95812	Web

07/08/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't decrease my monthly payments	NY 12771	Referral

04/05/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	TN 37209	Web

06/23/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	CA 90036	Web

06/12/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	NH 03820	Web

03/10/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	TX 76132	Web

11/19/2013	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	PA 18414	Web

11/19/2013	Yes	Student loan Non-federal student loan	Repaying your loan	NJ 07086	Web

10/23/2013	Yes	Student loan Non-federal student loan	Repaying your loan	WA 98275	Referral

10/21/2013	Yes	Student loan Non-federal student loan	Repaying your loan	NH 03102	Web

06/03/2013	Yes	Student loan Non-federal student loan	Repaying your loan	NH 03766	Web

04/11/2013	No	Student loan Non-federal student loan	Repaying your loan	CT 06082	Referral

01/22/2013	Yes	Student loan Non-federal student loan	Repaying your loan	NH 03087	Web

10/26/2012	No	Student loan Non-federal student loan	Repaying your loan	MA 01854	Web

09/27/2012	No	Student loan Non-federal student loan	Problems when you are unable to pay	NH 03229	Web

06/15/2012	No	Student loan Non-federal student loan	Repaying your loan	NH 03820	Web

04/01/2012	No	Student loan Non-federal student loan	Repaying your loan	NH 03064	Web