Firstmark Services LLC, Lincoln, NE

For the love of God take your business literally anywhere else. My Wells Fargo student loans were transferred to Firstmark back in 2021 and I have had nothing but issues since. Most notable, Firstmark failing to honor the terms of my WF agreement and placing several individual loans into repayment earlier than they should have been. Requesting an extended grace period was my only option, which delayed my repayments until something happened on their end knocking them back into repayment... over and over and over again. Their customer service representatives are friendly, yes, but ultimately just talk in circles and provide no real clarification or assistance. I fully intend to refinance through another vendor. I don't trust this company and you probably shouldn't either. Predatory at best!

I refinanced a student loan through citizens bank but it turns out they just dump you off to this company. Worst website ever. Literally the only thing the website has is a payment button. It has no information about your loan, you can’t access the statements and when I tried to contact citizens they couldn’t access the loan either. Horrible experience overall. Don’t waste your time with firstmark. In 2022 this company is still too cheap to build a functioning website while they rake in the profit from my loan interest.

I do not trust this company and you never should. My private student loan was transferred from Wells Fargo in 2021 during a personal life hardship and the pandemic. Due to the servicer switch and conflicting information, late payments stacked on. I called and emailed Firstmark after realizing offering a pay to delete and Goodwill Letter. Offers were denied. My account had not had a single missed payment during its time with Wells Fargo. My final Wells Fargo payments even made it to Firstmark. My credit history was and still continues to be immaculate with all my current lines of credit and loans. The only negative items are that of Firsmarks. My loan is now in collections which is being dealt with internally by Firstmark forcing you to continue speaking to them. Firstmark does not sell off debt, and currently require an 85% payoff as told by multiple representatives; anything less will 99% likely be rejected. In addition from representatives, Firstmark is not sending out Process Servers, only letters and phone calls as they collect more interest on defaulted debt. In terms of the representatives, they come in all colors. Some are very kind, knowledgeable , and transparent about the company they work for and its procedures. Some are rude and speak with an annoyed tone. Some are not at all knowledgeable, but do try their best to transfer you. Some will try to collect 100% of written off debt and use language to deceive. If you have the option to not do business with Firstmark, do not give them your business. They fain wanting to work with you, however they are incredibly corporate and will not accommodate. Predatory lending at best.

Firstmark is a predatory organization that will refuse to cooperate when necessary. I recently tried to get a refinance loan through another vendor but was denied because Firstmark failed to provide them the necessary documents EVEN AFTER I CALLED THEM MULTIPLE TIMES TO SEND IT. I had done everything on my part with the other lender but got my application denied because THE ONE DOCUMENT THAT WAS MISSING was the one FIRSTMARK was responsible for sending over. I will be continuing to try and get my loan refinanced through other channels, but every time I submit a new application it’s a hit to MY credit report, so Firstmark is actively messing with my financial situation.

This has been the worst loan servicer ever to work with. I have to make calls just about every month because they keep messing up my repayment plan. I pay the full amount due, and then they tell me I have a past due amount. Thankfully I figured out over time it's just their flawed system, because when I was younger I broke down crying in fear I would be sent to collections and that my credit would be ruined. They seriously need to fix their system, it's ridiculous at this point.

If I could give this company negative stars I would. My loan was transferred over here from Citizens Bank and it’s been terrible ever since. Customer service is absolute garbage and the loan officers are beyond sloppy. My co-signer removal application has been messed up at every turn. There is ZERO accountability on their end for the fact that 4 different times now I’ve been asked for edits and new items that were missed by the previous person. This has lengthened the process by over a month due to their review turn time. AVOID THIS COMPANY AT ALL COSTS.

Agreeing with all the others that Firstmark Services sucks. The couple of times I called, I was given wrong information. When I tried to make an account after the switch, the links i got were broken; i couldnt make an account. I was paying regularly before covid, when the loan was still owned by WellsFargo. My principle balance (15k) was down to maybe 13k or 14k. My mom was helping me pay because she is a saint. Covid hit. I lost my job. My mom couldnt afford to help pay anymore because my dad also lost his job. All the progress I made after I got back on my feet? Gone. The balance i need to pay back is now HIGHER than my principle, and I never feel like it’s budging. It’s soul crushing. I wish i never got a private loan, but counselors at school convinced me that it would be worth it. I can’t refinance elsewhere because I didnt graduate from the school I got the loan for (i decided to switch to nursing, which i did finish school for), so im stuck with them. I wish they’d just go out of business and disappear. I am in hard times again, and need to apply for forbearance, and im terrified of how much the balance will go up while im struggling again. Unbuy my loan. Lose the paperwork. Delete me out of the system. Student loans and the companies and banks that provide them are terrible, awful, predatory, and exploitative. Get bent. >:(

If I could give this company 0 stars, I most definitely would. This is the most corrupt company I have ever seen in my entire life. Wells Fargo sold student loans to them and they do the WORST job of managing them. Every single representative I have spoken to has no clue what they are talking about and they are extremely rude. Their website and letters they send to customers says to call them with ways to make your payments more manageable, and the only options they have actually make payments and interest rates both higher. This company is downright awful. They do not help customers in the slightest bit. This is affecting my credit score significantly and as a newly graduated college student, this could hurt me for years to come. Please do yourself a favor and run as far away as you can!!