Date Received: 2024-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to dispute certain information regarding late payments on my DEPT OF XXXX / NELNET consumer report, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation and removal of these inaccurately reported late payments associated with my account. The late payments in question violate the FCRA, particularly Section XXXX, which mandates the maximum possible accuracy of information in a consumer 's file. These inaccuracies also constitute a violation of my rights under the FCRA, which explicitly requires that information reported to credit bureaus must be accurate, verifiable, and reported with the consumer 's permission. Moreover, I draw your attention to XXXX ( XXXX ) of the FCRA, which excludes from the definition of " consumer report '' any report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment is considered a transaction or experience, falling under this exclusion, as defined by XXXX XXXX. XXXX. The late payment information reported in connection with the above accounts is considered an experience, falling within the scope of the transactions or experiences that XXXX has excluded from consumer reports. As per the FCRA, you are required to delete the late payments information from the accounts attached. Section XXXX ( a ) ( XXXX ) of the FCRA further stipulates that credit reporting agencies XXXX only furnish consumer reports for legitimate purposes, such as credit transactions, employment purposes, or insurance underwriting. I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX OF XXXX / NELNET. Additionally, I bring to your attention the specific provisions in XXXX XXXX XXXX XXXX, which mandates that creditors XXXX not treat a payment on a credit card account as late unless reasonable procedures ensure the delivery of each periodic statement, including required information, to the consumer at least 21 days before the payment due date. Your prompt attention to this matter is imperative. In accordance with Section XXXX of the FCRA, I demand a thorough investigation into these disputed late payments. I expect written confirmation of the investigation 's completion and details of any actions taken to rectify this matter within XXXX calendar days. Failure to respond satisfactorily within the stipulated timeframe will leave me with no option but to take legal action against your company. I will seek damages of {$1000.00} per violation, including but not limited to defamation of character, negligent noncompliance, civil liability, mental anguish, and the FCRA XXXX XXXX. XXXX for violations under willful noncompliance ( Section XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX ).
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This is the XXXX complaint that I'm filing with your organization regarding Nelnet ( Complaint Number XXXX ). I received an email from your organization stating that my complaint has been forwarded to Nelnet regarding account # XXXX. Since I received the email from your organization, Nelnet has sent my account to the credit bureau and now my score has decreased by XXXX points. I applied for the XXXX Program which I stated in my previous complaint against XXXX. Nelnet has and is processing my XXXX loan # XXXX under the XXXX program but has not processed my XXXX loan which is attached to the XXXX loan under the XXXX program. It is stressful dealing with this matter since you can not get through to them without being on hold for long periods and they don't offer weekend hours. Also, they don't respond to the emails, especially the XXXX emails that I have repeatedly sent regarding the erroneous processing of loan # XXXX. I want my loan to be processed under the same program that the other loan is being processed since I applied for the XXXX program for both loans. This is truly incompetence at its best, failing to acknowledge a program that the customer has applied for, failure to comply with the guidelines that adhere to resolving disputes, and failure to communicate. Sending notices to the credit bureau without solving or addressing the issues is a sign of the inability to fairly handle the processing of student loans. I don't know who else or what other agencies to complain to about Nelnet 's unfair tactics and incompetencies but Nelnet needs to be held accountable.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet Inc is the servicer of my federally owned student loan, which was transferred from Great Lakes in early XXXX XXXX XXXX XXXXXXXX I submitted Form 1099 C to the IRS, and it was accepted on XXXX XXXX XXXXXXXX Subsequently, I received a 1099 C copy B for Debtor from Nelnet, confirming the Cancelation of Debt as approved by the IRS stating the following ; You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more Despite this confirmation, my account has not been discharged even after two months. I sent a certified letter to the Claims/ Discharged Department along with proof of the Copy B I received. The letter was delivered on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also contacted their customer service representatives multiple times, engaging with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They came to the conclusion that Nelnet never sent me the 1099 C- Copy B form, because they couldn't find them on their records evenmore that the letter was fraudulent, however I have proof of the IRS acceptance, and proof of the form sent directly to my mailing address from Nelnet XXXX Since the company lacks visibility to see all the proof at hand. I request a deep investigation and that Nelnet credits my account promptly as required by LAW I am aware of Nelnets obligations as a servicer, as outlined in the SEC filings, particularly their XXXX Form dated XX/XX/XXXX, and their Trust agreement with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX trustee dated XX/XX/XXXX, it is their fiduciary duty to oversee the resolution of this debt. As a Certificate holder in the securitization of the student loans, I am deeply disturbed by Nelnet refusal to discharge my account, I demand an immediate and thorough resolution to this matter. Failure to address this issue promptly will leave me no choice but to file the form 211 Treasury and forms to audit my account and escalate this matter to the FTC without further delay.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have {$86000.00} in federal student loans for XXXX XXXX XXXX and XXXX XXXX XXXX. I hold a job where I am able to pay my loans on the standard repayment plan within the standard 10 year time frame. I have not been able to successfully achieve a simple repayment plan with my servicer Nelnet yet. I have 18 separate loans with Nelnet of varying amounts. I initially had repayment dates throughout the month, which meant there was going to be a constant flow of seemingly random amounts of money being pulled out of my bank account. This has made budgeting a nightmare. It took multiple phone calls waiting on hold for upwards of 2 hours to get into contact with Nelnet to get my payment dates changed to the same day. I was told this would take place within a week. Weeks later, nothing had changed. I noted that my current payment for my XXXX XXXX loan was {$10.00}. I called again and was told it will take weeks for everything to switch over and that soon my regularly scheduled nearly {$1000.00} payment would be pulled. Meanwhile, I am accruing hundreds of dollars in interest. I began making manual payments of {$1000.00} to remain on schedule with my loans. I have most recently checked and my payment is now {$300.00}, and my loans are in forbearance. I have accrued almost {$1000.00} in unintended interest. My loans are going up not down, despite me trying to pay them. All I would like to do is pay my loans in a regular fashion 1x/month. Nelnet has been unable to manage this simple plan and set up. I am now accruing interest, unable to make my payments towards the interest, and my loan is nearing $ XXXX when I have been trying to pay XXXX XXXX for it to go DOWN. I am becoming a victim of astronomical and unfair interest accrual despite holding a well-paying, high paying job and trying to pay my loans back per usual.
Company Response:
State: CA
Zip: 94928
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I am not sure who my student loan servicer is. I have not recieved a statement or email. My old servicer was great lakes.
Company Response:
State: WA
Zip: 99216
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX Acct # XXXX has violated my rights with accordance to 15USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B States a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I am currently in school. I requested an in school deferment. XXXX, initially denied my request. The reason, I was only allowed 4 years to obtain deferment. XXXX XXXX is who granted my loan. Per their website, I am allowed 7 years of in school deferment. I submitted this info via mail. XXXX, then stated that my request was denied because the wrong form was used. It is my belief that XXXX denied my request because I am an XXXX American male and it is there intent to escalate the amount that is owed by adding on late fees. I am in school, my loans should be deferred.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have made payments in excess of the statement amount due since XX/XX/XXXX. I called on XX/XX/XXXX and spoke to XXXX at Nelnet and she advised that she did ot know why my statement liste a past due amount and someone from their accounting ops department would review my account and I should call back in 2-3 weeks to see if it was resolved. I called on XX/XX/XXXX and soke to XXXX at XXXX at Nelnet . She advised that the statements I was being sent did NOT include any accrued interest that was owed prior to XX/XX/XXXX ( - {$240.00} ). So the statements I am receiving and have been paying in excess of do NOT show that an interest payment was still outstanding. It also does not show any fees associated with my loans. The rep advised there are no fees, but I can not confirm that since accrued interest and fees are NOT included on the statements that NELNET is sending out. This is a deceptive practice and they are sending people inaccurate statements that will automatically make them have late payments ( - {$64.00} ) and which can result in fees ( that they do NOT include on the statements ), as well as negatively impact credit scores and credit reporting information for myself and millions of Americans. I have called and they will not update their statements to show the accrued interest or fees associated with my student loans. Please have them update this practice.
Company Response:
State: VA
Zip: 22405
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received notification from Nelnet in late XX/XX/XXXX, that I have 2 student loans scheduled to be dischared in early XXXX due to my permanent XXXX. ( XXXX XXXX sustained and approved for XXXX in XX/XX/XXXX ). The issue is these loans were permanently XXXX in XXXX. I have the paperwork from XXXX, indicating the loans were paid in full by the guarantor, dated XXXX, as well as the letter from the US Dept of Education, Federal Student Aid dated XX/XX/XXXX confirming the loans were discharged. I contacted Nelnet on XX/XX/XXXX and was told that they mainta a database and that is where the information is listed. They were not able to confirm where the info loaded into their database comes from. They were not able to provide any further assistance. I contacted the US Dept Ed on XX/XX/XXXX and was told that they weren't able to assist as they don't manage Nelnet content and since the loans were dischared from the Federal Student Aid Dept I would have to contact that division. The representative did provide an email of XXXX to notify and get direction. I sent an email and never received a response. I contacted Nelnet again on XX/XX/XXXX and was told I would receive a letter and that apparently the student loan database was not updated. I received no letter. I contacted NSLDS on XX/XX/XXXX who sent me to the Federal Student Aid Loan discharge and cancellation department who advised me I should contact XXXX as they were the loan provdier before Nelnet. I have the XXXX coupon book and account info originally provided to me. I contacted XXXX on XX/XX/XXXX and was told to send an email to XXXX for assistance. I received a response from XXXX on XX/XX/XXXX indicating there is no account listed under my name with the last XXXX digits of my SSN. They directed me to the NSLDS website to search for a history of my federal student loans. I was instructed to login with an FSA ID and password or create one. I have tried multiple tines over the last several months to access https : //nslds.ed.gov as instructed and the site never loads. I have tried different deviceds and always receive an error/Not found message. This is extremely frustrating as we have everything in hand to confirm these loans were discharged through proper channels back in XXXX after having initiated the process in XXXX. I can't get anyone to take ownership of resolving this issue and the several institutions I have connected with can't even find my information. I sent a certified letter to the US Department of Ed on XX/XX/XXXX including this content/timeline and all copies of the various historical letters. The instructions in the latest Nelnet letter I received on XX/XX/XXXX ( letter explaining the post discharge monitoring period requirements change ) " how to contact us '' section of the letter. To date I have received no response. My wife handles the phone calls for me as I am XXXX as a result of my XXXX XXXX It is easier for me to communicate in writing/email. I don't know how to get this resolved and confirm that there are no active loans and ensure I am removed from this entire process.
Company Response:
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: AM NOTIFYING THE US ATTORNEY GENERAL ( XXXX XXXX ), TENNESSEE ATTORNEY GENERAL ( XXXX XXXX ), THE US COMPTROLLER ( XXXXXXXX XXXX ), AND THE TENNESSEE COMPTROLLER ( XXXX XXXX ). See PREVIOUS complaints that outline VIOLATIONS AGAINST me and see attachments XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TN
Zip: 37207
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A