Date Received: 2023-08-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There is fraudulent activity on my credit report. I recently received my 1099 copy B from this IRS from both Nelnet and XXXX XXXX XXXX XXXX XXXX . The IRS accepted both documents I filed 1099C with Nelnet and 1099A with XXXX. I expect these accounts on my credit report to be resolved immediately due to the Securities Exchange Act, as well as the Federal Reserve Act Section 29, 12 CFR215.11, due to breach of fidicuary duties. My consumer rights have been violated and there are numerous UCCs that support my claim. 15 U.S. Code Chapter 41 15 U.S. Code 1693 UCC3-419 15 USC 1692a ( 3 ) 15 USC 1681a ( c ) 15 USC 1602 ( i ) I am aware of both the indenture trustee and trustee of both Nelnet and XXXX XXXX XXXX and if this matter isnt resolved, I will have to take legal action within 30 days of notice.
Company Response:
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2023-08-16
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: I applied for an income-driven repayment plan, specifically the XXXX plan, a few days ago. Today I get an email saying I have to provide proof of income from the last 7 years. I was in school until XXXX working part time, and only had stable income from XXXX onwards. I read the documentation for the XXXX application and don't see any requirement for past income, only current. Are they allowed to ask for 7 years of prior income? It seems meant to make the process difficult on purpose so they can charge a higher amount per month.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My student loan service provider was Great Lakes. This year, Nelnet acquired all Great Lakes student loans which requires users to setup accounts directly with Nelnet. Ive been attempting to set up my account with Nelnet for months. They ask questions as a form of onboarding validation such as what was your phone number and email address on your original loan application. Ive had my student loans for 10+ years, Ive moved countries many times, Ive been married and Ive changes emails / phone numbers many times. I do not have this information. I followed the advice of Nelnet and tried to submit a customer service request via their form online. This form was broken. I then was recommended by then to reach out on social media or call their helpline. Their helpline has no international phone number ( me being international ) which is a requirement for me to call. So I reached out on their social media XXXX page. I received a response to my query to email their customer service email address. I did this with my request on the XXXX XXXX, no response. Followed up on the XXXX XXXX, no response. Followed up for the XXXX time on the XXXX XXXX, no response. Followed up for the XXXX time on the XXXX XXXX, no response. Followed up for the XXXX time on the XXXX XXXX, response received but saying they didnt have the email address on file ( even though all of their correspondence in the past came through that email address regarding marketing etc. ). I responded on the XXXX XXXX with all their information, no response. Followed up for XXXX time on the XXXX XXXX, no response. Followed up for the XXXX time on XXXX XXXX, no response. Followed up on the XXXX XXXX with a formal complaint flagging this letter as a formal complaint and requested for immediate action. This prolonged delay has put me in a difficult position, as I am now facing the possibility of being late on my payments due to the lack of communication and assistance from Nelnet. I believe this situation is not only unfair but also a violation of the terms of our agreement. I am assuming my terms carried over from Great Lakes as I have not signed a single document with Nelnet over my loans. I have chased a couple more times to receive a generic FAQ response email with the following : Thank you for your email. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). We apologize that we arent able to answer your individual email, but we believe that one of these options may be the fastest way to answer your question : Looking for specific information about your loans or need to explore options to reduce or postpone your payments? Log in to your XXXX account, where you can view your loan details, apply for repayment assistance, and more. For answers to common questions, check out our FAQs page. For information about all aspects of federal student aid, please visit XXXX. Need to speak with a Nelnet associate? Call us at XXXX. Be advised, we are experiencing high call volumes, leading to longer than usual wait times. These options are not suitable to my issue and do not resolve my complaint. I am still unable to set up my account, I have no means to contact them without being liable for a high cost for an international phone call to their customer service rep which wait times at over 2 hours per social media updates on their XXXX page. Interest kicks in at the start of XXXX and I have no access to my loan with no assistance from Nelnet. I will not be able to pay my student loan back if my account it not opened by XXXX leaving my credit at risk and being delinquent on my account. Ive paid student loans for over 10 years with no issues and never a late payment. Additional avenues Ive used to get support ( FYI ) : Ive also messaged on XXXX 5x for support and Ive reached out to Nelnet XXXX on XXXX trying to get assistance. Can you help?
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had XXXX in student loans from my XXXX and XXXX schools. These loans were through Nelnet, and I made XXXX in loan payments from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I refinanced my remaining loans ( XXXX ) through a private loan servicer ( XXXX XXXX to reduce my interest rates. When XXXX announced the XXXX of student debt relief last year, I requested that Nelnet refund me the {$6400.00} worth of payments I had made before I refinanced my loans. They refunded me this amount, and I received a check for this in XX/XX/XXXX. However, I then saw that my balance with Nelnet went back up to XXXX. I called them, and they said they accidentally refunded me the full remaining account ( even though I only asked for XXXX and the remaining loan was refinanced and not my own payment ). I asked them to cancel it and they said they couldn't. I never received the check, although it was addressed to my name and current address. I called Nelnet monthly until XXXX, when they finally told me the check had been cashed in XX/XX/XXXX. Then sent me a copy of the check that was cashed, which was cashed with a forged signature for myself, and at a bank that I do not have an account with ( XXXX XXXX ). I immediately filed a police report, but the police have not done anything to resolve this. Nelnet initially said there was nothing they could do, but after I threatened to get a lawyer involved, the submitted a form to the US treasury and said I should receive a " fraud packet '' from the treasury. It has been 2 months and I still haven't received anything and Nelnet says I just have to keep waiting. However, student loan interest resumes in 2 weeks and Nelnet still says I owe XXXX, and the interest will accumulate very quickly on that amount ( which I shouldn't owe ). I have asked Nelnet to provide a written statement that they will not charge interest while this is being resolved, but they won't do it. I am very concerned that I am going to owe additional money on top of the loans that I shouldn't owe, all due to Nelnet 's mistake ( and also errors with USPS allowing my check to be stolen because I have a locked mailbox, and at XXXX XXXX for allowing a XXXX check written to me to be fraudulently cashed ). This has also impacted my credit score, because I owe loans in 2 places now - the XXXX with Nelnet and the XXXX I refinanced with XXXX which I have been paying off. This has also taken a substantial amount of my own time and energy due to the mistakes of these companies.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Hi, In XX/XX/XXXX, I signed up for an income driven plan with my loan servicer, Nelnet. I went into my account in XXXX, and found out Nelnet took me off my payment plan. I was supposed to owe {$0.00} until XX/XX/XXXX. Now, it says I owe over $ XXXX/month beginning in XXXX. I contacted customer service, and they sent me a generic email telling me to reapply for a repayment plan. I reapplied, and then they sent me a generic email saying I needed to recertify instead of apply. I sent my new application in on XX/XX/XXXX, and I still havent heard anything from them. I feel like they are giving me the run around and no one will tell me why my income driven plan is no longer active. Ive sent multiple emails, and Ive tried calling. The current call wait time is over 40 minutes. I once had them call me back, and the phone hung up once I picked up the phone. Im trying to get a mortgage on limited income, and a $ 1200/month payment is basically my whole XXXX check. The mortgage letter on the Nelnet website currently says I owe over $ XXXXmonth. This is ridiculous. Ive attached the original income driven repayment plan letter.
Company Response:
State: AL
Zip: 35758
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Fed loan and now nelnet reported my student loan as delinquent in XXXX. That is not correct. I was unemployed and then on active duty and called then fed loan for a forebearance until I could find employment, which I did by going XXXX XXXX XXXX XXXX XXXX. This has absolutely destroyed my credit because fed loan now nelnet had my student loans divided into over 20 separate accounts. This means my credit score is ruined based on 90-something delinquent accounts.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My Borrower Defense Loan Discharge Application has been reviewed for well over a year, and since I had to send it via snail mail due to their faulty application process, the status is NOT online for my review. I must call for status updates and since the departments dont speak with one another they dont have much to tell me.
Company Response:
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The loan balance is paid in full. Nelnet needs to update on all credit bureau reports.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I sent the bureau a certified letter more than 30 days ago that included proof that the discharged student loans were supposed to be removed from my credit report. I sent them what it studentaid.gov has listed on their website and the letter that was sent to me both stating that when they were discharged due to the school submitting fraud they were supposed to be removed from my credit report. This bureau has intentionally broke the law by ignoring all of my disputes and information and keeping the negative information on report. This has negatively impacted my ability to secure credit and get housing. I have stated this to the credit bureau but they continue to ignore my requests and not adequately investigate and remove the information. I have included proof with this complaint also. I have also included the return receipt I received from the dispute proving it was indeed delivered.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In accordance with the Fair Credit Reporting Act ( FCRA ), a crucial legislative framework established to safeguard the rights of American consumers concerning credit reporting, I hereby initiate a formal dispute regarding the following account : Account Details : Account Name : DEPT OF ED/XXXX Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening XXXX XXXX XXXX XXXX Open/Closed Status : Closed Status Update : XX/XX/ Account Type : Installment Status : Pays account as agreed Balance : {$2300.00} Balance Update : XXXX XXXX XXXX Original Balance : {$2300.00} Past Due Amount : {$0.00} Responsibility : Individual Account Upon reviewing the reported information, I have identified discrepancies and concerns related to the status and payment history of this account. Specifically, the reported " Pays account as agreed '' status and the characterization of an " Unknown payment history '' are inconsistent with my understanding of the account 's financial activity. Furthermore, the reported balance and original balance do not align accurately based on the account 's reported status. I wish to emphasize the significance of the FCRA, specifically the following sections : 15 U.S.C 1681 Section 602 A : This section underscores my right to privacy and the importance of accurate credit reporting. 15 U.S.C 1681 Section 604 A Section 2 : This provision establishes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. In light of these legal mandates and the inconsistencies present in the account reporting, I formally request a comprehensive investigation into this matter. I expect XXXX to diligently address the disparities, rectify the inaccuracies, and ensure the reporting is consistent with the principles laid out in the FCRA. Furthermore, I assert my right to cease all communication tactics related to this account. I anticipate no further communication attempts from any involved parties, including debt collectors. Your prompt attention to and resolution of this dispute are highly anticipated. I trust in your dedicated efforts to address this issue and uphold accurate and equitable credit reporting. Thank you for your cooperation and dedication to the fundamental principles of the FCRA.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A