Date Received: 2023-08-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: You have violated my consumer rights under fair credit act section 15 U.S.C. 1681e ] as well as 606 section ( b ) & ( c ) ( d ) 1 I ask that you remove This account under the guidelines of XXXX XXXX format compliance this account is inaccurate under fair Credit section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as 609 ( A ) 1 Sec 611-2A1 ( 2B as this account does not belong to you and as been resolved the account beginning or ending XXXX that was serviced by Great Lakes in which is now nelnet its illegal to report the same account under different account numbers and well as to two different companies. Great Lakes company no longer exist you cant not use the form of credit reporting as a form of a monopoly application I ask that you remove this account from my credit report or I will be force to file documentation in court of law against you for my pain and suffering against your misrepresentation and illegal use of furnisher reports
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Nelnet 's response was read to me and it doesn't make any sense. You clearly added about $ XXXX to my balance and that showed at the Student aid website as interest. My student loans balance was about {$140000.00} when I checked it after I received an email on XX/XX/2023 from the US dept. of Education indicating that my loans for attending XXXX XXXX would be discharged. I logged in a few days after that to find out that my loans had blown up to about {$170000.00} I believe this was interest added to the principal when my status shows it's in COVID 19 forbearance and will not accumulate any interest. Please explain where the {$28000.00} is and why it was added to my loans before some of the loans were discharged. This is fraud since there was not supposed to be interest added I called twice last week and asked to speak to a supervisor and nobody called me back either. I don't see any statements pertaining to adding the $ XXXX to my balance and there is no transparency. You did not send me an email/letter or statement about the status of my account so this is very fishy
Company Response:
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Years ago, XXXX XXXX XXXX, a prior institution that I attended, continually harrassed me for money I did not owe. They could not produce any documentation, and with the CFPB 's help, the debts were discharged by XXXX ( XXXX ), and stopped being reported to credit bureaus. Now, they have started trying to collect on that money again, this time through Nelnet, but the debt was discharged. I do not owe them this debt. The debt Nelnet is collecting from University XXXX XXXX is accurate, but not from XXXX.
Company Response:
State: TN
Zip: 37215
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have communicated with Nelnet regarding a loan for XXXX XXXX XXXX in XXXX which this loan was a student loan, but somehow it turned to a commercial student loan, as high {$10000.00}. Im unaware of signing for a commercial loan or applying for a commercial loan. I received a call from a Nelnet representative in XXXX XXXXXXXX regarding repayments. I informed the representative that payments were on hold per president, Joe Biden order. I was then told I had a commercial loan, after his statement, I told him I have a student loan. Nothing was presented to me after I disputed his statement, the representative laughed and stated, your loan is not on hold and you do have to pay. Late payments were submitted to the credit bureaus without presenting me any information. Im not going to pay for something and unsure of my liability for that commercial loan. The information Ive received appears to be fraudulent because the school that they have listed ( ie, XXXX, XXXX XXXX ), I have never attended.
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I recently contacted Nelnet multiple times the past week. Firstly, my student loan was showing repayment to start in the year XXXX. I was told this was because of a borrower defense claim. However I contacted borrower defense and reviewed all paper work and these loans should not have been put into forbearance by Nelnet. I contacted Nelnet again and a supervisor stated that this was just an error and it should update. Now the payment date was 1 month later in XXXX when payments should not be in forbearance at all and should start in XXXX. I just opened up the mail from my mail box ( physical mail ) and found a letter stating that I requested a forbearance and that my due date is now XX/XX/XXXX. On all of the paperwork reviewed with borrower defense, I specifically asked for my loans not to be put into forbearance. Now regarding my most recent IBR plan request, I also specifically requested for any loans in Forbearance to start re-payment immediately. However I received this physical mail nearly a week after that request. I will not be responsible for any accrued interest that is capitalized due to this error on the part of Nelnet so please have this reviewed and fixed.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Between the Months of XX/XX/XXXX- XX/XX/XXXX I have tried multiple times to get Dep of Ed/Nelnet to remove student loans from my account. The student loans are now CURRENT and OPEN
Company Response:
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: According to the email I received, Nelnet is " currently experiencing unprecedented email volume '' preventing them from responding to my email... ever. This seems to be a clever way to avoid having any written ( read " recorded '' ) account of our conversations. This strikes me as highly unethical and irresponsible, even for a company that was accused in 1993 of using a tax loophole to generate upwards of {$1.00} XXXX dollars in profit from student loans that it managed. New York and Nebraska have both gone after the company for allegedly paying kickbacks to colleges and universities that pushed students toward Nelnet loans. I would like to request ongoing EMAIL correspondence with Nelnet to ensure that vital communication isn't lost in the ether of supposedly " recorded '' phone conversations.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I need my information from my student loans that were transferred to this new servicer.. They have not contacted me with any information regarding, the borrower debt relief refund on my federal student loans. i have updated many files online to the nelnet to help my case, and information to keep my contact information up to date.
Company Response:
State: CA
Zip: 90723
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A 1099-c form was accepted by the IRS on XX/XX/2022. This debt has been discharged by Nelnet , Inc. and is evident in the attached in the accepted Copy B and Copy C in this complaint. However, Nelnet , Inc. is still reporting to my account and to my credit reports that I owe this debt and this account hasnt been closed.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to U.S. 15 Code 1681 ( b ) a2 this is my statement that this account has been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Nelnet : Account # XXXX
Company Response:
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A