Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Department of Education is, has been, and continues to violate my consumer rights. The Department of Education is not complying with the FCRA. This company continues to ignore the Gramm-Leach-Bliley Act. In addition The Department of Education has stolen my identity.
Company Response:
State: FL
Zip: 32808
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: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Hello, On XX/XX/XXXX I received an email from studentaid.gov " We reviewed your application and determined that you are eligible for loan relief under the plan. We have sent this approval along to your loan servicer. You do not need to take any further action ''. Unfortunately that was a lie, and my federal student loan through Great Lakes was sold to Nelnet and appeared back on my credit report and my loan was re opened with that new lender who had sent me all the information I needed to know in regards to my interest starting to accrue in XXXX and my first payment in XXXX. I am currently unemployed and have family that has offered to come together and help me settle on my student loan amount, so that it doesn't sit and accrue interest and then I have no chance at digging myself out of an interest nightmare or risk not making any payments or making income driven payments that don't even cover the cost of the interest on the loan. On XX/XX/XXXX at XXXX I contacted customer service ( XXXX ) at Nelnet asking what information they would need from me to submit a request for a settlement amount? The response was " we do not even offer settlements for student loans '' So I had asked what I could do about that, was there any other way around that and she asked me if I was a teacher and they have a program for that. I do not qualify for that and I also do not work for a non-profit as I had mentioned twice I was currently unemployed and looking to settle on my loan with help from my family while I had it. There was still no option for me to settle on an amount.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: This complaint is about Nelnet and my XXXX discharge. I sent them the award letter in the middle of XXXX and they have not given me updates while its being processed but instead has reported 9 new installment accounts and 9 new credit accounts on my credit report. I received notice on XX/XX/XXXX that you received my application. In that time, you have reported 9 new installment accounts and 9 new credit accounts to the credit bureaus. This, in turn shortened the length of time when I had the loans in my name and that reflected poorly on my credit report. The interest that you are charging me is inconceivable, and it increased my total amount due and owing according to the bureaus. You never sent me documentation of the interest charges that would accrue while I was under a decision of my XXXX before you notified the credit bureaus. I feel as though during this transition, reporting to the credit bureaus would be the least of your worries since I have given you my award letter from Social Security. During this process, my loans should have been held in a deferment or forbearance rather than reporting the negative information to the credit bureaus.
Company Response:
State: SC
Zip: 29588
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Nelnet recently put me on the XXXX plan without my knowledge or consent, even though I had repeatedly requested to be on XXXX or XXXX. I was on XXXX when my account first transferred to Nelnet, as the attached communications clearly show. Nelnet eventually said that I did not qualify for XXXX, but I had been clear in my emails that I wanted to be on XXXX or XXXX, and even requested before the application had processed that I wanted to be SAVE instead. Nelnet has tried to say that they merely returned me to the XXXX plan, but this is not correct. I have ample evidence that I was on XXXX before the request to move to XXXX. Nelnet should have returned me to XXXX I should not have to make a payment or have my interest capitalized because Nelnet has made an administrative error.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My federal student loans were transferred from Great Lakes to Nelnet in 2023. On XX/XX/2023, Great Lakes informed me that the balance that would be transferred would total {$78000.00}. When I checked the Nelnet balance in XX/XX/2023, the total under the account was {$78000.00} which is different from the balance that I was told in XXXX.
Company Response:
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been writing letters and sending in documentation to the creditors and also the credit bureaus, showing that the attached debts were apart of identity theft. I have provided police reports, ftc filing reports, documentation to prove these debts do not belong to me. I have been doing this for the past 2 years and the only bureau that has updated the information is XXXX.
Company Response:
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I know for a fact I've never done a variable rate loan. They are claiming that my interest rate is 7.7 % variable and I asked for the master promissory note and they told me that it takes 3 months to get it. There are also erroneous fees and accrued interest charges for periods that I have been on in school deferment, covid deferment, and military deferment. I am ready to pay this loan off but I do not trust them.
Company Response:
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX my husband and I called Nelnet to request an Administrative Forbearance ( AF ), and to inform them that we had filed a complaint with Federal Student Aid ( FSA ), in that Nelnet has failed to follow through on the XXXX law signed by President Biden to allow those of us with Spousal Consolidation ( SC ), loans to be able to separate our loans. XXXX, the Nelnet representative we spoke with, said they had received no direction on how to proceed with an AF for those with SC loans. After being put on hold several times, XXXX responded to us that yes, Nelnet would process our AF request and that the process would be completed by XX/XX/XXXX when our next payment would be due. We provided XXXX with our complaint numbers through FSA, and were assured the AF would be completed without capitalized interest. On XX/XX/XXXX, after noticing no recent activity on the Nelnet website, I called them again, and asked about the status of our request and processed AF. XXXX, and later XXXX, a Resolution Specialist at Nelnet told me that the AF we requested, and told was in process, was not true and we would continue to be billed. The representatives repeated that Nelnet has not received guidance from DOE on how to provide an AF for SC loans. No apologies, no nothing.
Company Response:
State: MO
Zip: 64151
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My student load was recently transferred from Great Lakes to NelNet. The entire transition process has been a nightmare. But it has now just gotten absolutely worse. I have submitted several requests for assistance through their online form ( while logged into my account ). I have not received any responses ... until today. Today ( XX/XX/23 ) I received an email from someone named XXXX ( I am leaving out her last name to protect her confidentiallit ) - who, is another CU/STOMER of NelNet. / XXXX XX/XX/23 - Nelnet responded to one of MY requests, but sent the response to XXXX!!! The email string included ALL of my personal information, INCLUDING my Date of Birth and SOCIAL SECURITY NUMBER!! This is a clear violation of the Federal Debt Collection Practices Act ( FDCPA ), Florida Consumer Collection Practices Act ( FCCPA ), and countless other state and federal laws and regulations. I am completely at a loss here! I don't even know what to do now! I submitted XXXX different requests for assistance through their online form..this is the ONLY response to any of them. So did the other XXXX ALSO go to some other person? Do XXXX other people now also have my DOB AND SS!! I now have to LOCK all of my credit reports and monitor for Identity Theft! This was not some XXXX XXXX XXXX issue... this was clearly done by the company employees who have absolutely NO idea what they are doing!
Company Response:
State: FL
Zip: 33990
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, post secondary school. 20 USC 1232g ( b ) Privacy Act of 1974 5 U.S. Code 552a, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number 12 CFR 1016.4 Initial privacy notice to consumers required. Debt has been paid as agreed per 1099c * Instructions for Debtor 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. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the " Other income '' line of your Form 1040. However, you may not have to include all of the canceled debt in your income. There are exceptions and exclusions, such as bankruptcy and insolvency. See Pub. 4681, available at XXXX, for more details. If an identifiable event has occurred but the debt has not actually been discharged, then include any discharged debt in your income in the year that it is actually discharged, unless an exception or exclusion applies to you in that year. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " Theres a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared. This is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting XX/XX/XXXX Nelnet Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX US - Phone : XXXX RE : Opt-Out Instructions for Account Dear Nelnet Inc , Following are my instructions with regard to your information sharing and sales policies : 1. You do not have my permission to share my personally identifiable information with nonaffiliated third party companies or individuals. I am asserting my rights under the Financial Services Modernization Act ( the Gramm-Leach-Bliley Act ) to opt-out of any sharing or sales of my information by your company. 2. You do not have my permission to share information about my creditworthiness with any affiliate of your company. I am asserting my rights under the Fair Credit Reporting Act to opt-out of any sharing of this information by your company. 3. I do not wish to receive marketing offers from your company or its affiliates. Please delete my name from all marketing lists and databases. Your company 's privacy notice states you may otherwise use my information as " permitted by law. '' I wish to limit other uses of my personal information by your company and its affiliates. In particular : * You do not have my permission to disclose any information about me, including transaction and experience information, to your affiliates. * You do not have my permission to disclose any information about me in connection with direct marketing agreements between your company and another company. Thank you for respecting my privacy and honoring my choices regarding my customer information. Please acknowledge your intention to comply with my request for privacy of my personal financial and other information Sincerely, All Rights Reserved /without prejudice - UCC 1-308
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A