Date Received: 2023-07-18
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: This report is a follow-up to a systemic breakdown amid the United States Department of Education 's former loan servicer, " Great Lakes '' for direct student loan consolidation. [ My Previous Complaint # : XXXX, XXXX, XXXX, XX/XX/2022, XX/XX/2022 ] Formerly, I had a complaint concerning roughly XXXX points being deducted from my credit report by XXXX and XXXX due to a U.S. Department of Education loan consolidation on XX/XX/2022. Recently, I discovered via reliable media sources that the disconnect was caused by a coding error through Great Lakes, which reported 5 million borrowers as incorrectly having a loan deferment status in lieu of a current payment status. Therefore, the borrowers credit scores were lowered and negatively impacted. Great Lakes has stated via the media that they are working with the credit reporting agencies to rectify these inaccuracies. However, I tried calling their number listed and was unable to initiate contact with the company. In closing, I am requesting that Great Lakes contact XXXX and XXXX on my behalf to rectify the situation at hand. The deduction of XXXX points from my credit file has never occurred during my fiscal lifetime. I trust a speedy resolution will be reached with all borrowers -- who were impacted by the Great Lakes ' coding error as well. Thank you, kindly, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was informed by my mortgage lender that Nelnet reported XXXX student loan debts in my name. One loan was reported in XX/XX/2023 in the amount of {$47000.00}. The second loan was reported in XX/XX/2023 in the amount of {$71000.00}. The {$47000.00} loan was reported inaccurately by Nelnet and is part of the {$71000.00} student loan. I contacted Nelnet by email and disputed the report. I also spent approximately XXXX hours on the phone this evening with Nelnet. The representative at Nelnet said that Nelnet is aware that the amount was reported inaccurately as they have received other complaints from other consumers as well. However, Nelnet refused to provide me with a letter stating that Nelnet inaccurately reported my student loan debt. I am in the midst of closing on a mortgage and the lender will not allow the loan to close without Nelnet addressing this issue in writing. I have sold my house and as of this Saturday, XX/XX/2023, I must vacate my current residence and I will be HOMELESS with XXXX dogs until Nelnet corrects their error or at least provides me with a letter clarifying that they made an error in reporting my student loan debt. I explained to the rep at Nelnet that I am XXXX and will not have housing after this Saturday because of Nelnet falsely reporting, and failing to correct, the inaccurate report made by Nelnet to all of the credit bureaus. Nelnet 's response was that it could take up to 60 days for Nelnet to correct their credit reporting error. Therefore, I will be homeless for XXXX plus days?!?! This is unacceptable! I am seeking assistance in getting this matter resolved quickly in order to help me, as a XXXX adult with a XXXX XXXX, retain stable housing.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt. I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct. Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to 15 usc 1692k I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt. I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct. Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to 15 usc 1692k I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was never able to get transcript due to unpaid loan from them
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have had 2 instances ( XXXX & XXXX XXXX ) where money was sent to Firstmark services to pay off balances at their current times/prices and the money was mismanaged both times ( with admission of mistakes ), resulting in me having to pay extra to get accounts current, extra to pay for the late fees from the initial time of the issue till its resolution, and all while my interest keep accruing and rising. I tried multiple time to refinance to make the payments more manageable but was told my income was too low to refinance my loans.
Company Response:
State: MA
Zip: 02126
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hi, So my payments began XX/XX/XXXX. I make all payments on time. On XXXX, I made my normal payment of {$110.00} for XXXX due date. XXXX I made a payment for XXXX due date. At this point, all payments will be made in the month prior to them being due. So the issue at hand is my last payment was made XXXX for XX/XX/XXXX due date. As of now they are saying my next payment is not due until XX/XX/XXXX which in fact is inaccurate. A lot of the customer service reps seem confused but I finally got one who understood and submitted the request. I believe whomever received the request is confused. They don't seem to have the knowledge to understand that in XX/XX/XXXX I did not make an extra payment, the second payment for that month was XX/XX/XXXX 's payment ; just made it early. Some of the reps see XXXX and XX/XX/XXXX and keep getting hung up on that. It has been weeks and they have yet to update my account. I am a few days away from when it should be due and they will not fix my account. Do I just skip XXXX 's payment and risk later them contacting me about it and also a missed payment on my credit report? Only change they have made was they changed my payment from {$110.00} to {$110.00} ; which the issue at hand should be changing my next due date from XXXX to XXXX and my monthly payment amount should have remained {$110.00}. It is very frustrating because they are not keeping accuracy with statements. I will attach emails showing all payments as well as an email where they claim they understood. But yet, still no one has fixed it even after them submitting a request. Thank you, XXXX XXXX
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Well in the beginning of COVID-19 they were supposed to swipe the loan off completely!
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have an older student loan ; originally unsubsidized Stafford Loans between XXXX. They were handed over to Nelnet without my consent after graduation, around XXXX. Nelnet has grossly mislead me on the IBR 20 year loan forgiveness process. - they never sent me any mail or call when the Direct Loan program launched around XXXX. - no one advised me that the Direct Loan program would offer more payment aid options- they didn't inform me that during the pandemic I would have been eligible for an interest pause from covid relief if I had been in the Direct Loan- I received multiple deferment options and IBR certifications that lead me to believe these FFEL ( Stafford ) loans held by Nelnet were making progress towards a 20 year forgiveness. I am now XXXX years out of graduation and they claim I only have 9 years of forgiveness accrued. I understand the Biden announcement of XX/XX/XXXX will be reviewing these accrued months, but Nelnet wasn't tracking them AT ALL. There is no dashboard to view progress, and when I asked in written form how many months of progress I had, they just sent a 20 page form with all my online history. They are intentionally dodging any bookkeeping about loan forgiveness. I owe 2x 's my principle balance now despite paying down 1/4 of it at one point. This is a XXXX scam and I'm sorry I went to college. Nelnet was never planning on following a 20 year IBR forgiveness plan. They are not facing consequences for their scammy behavior.
Company Response:
State: CO
Zip: 803XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have continued to make uninterrupted payments since 2015, even through the pandemic deferment. My balances never go down and even continue to accrue interest. I've called about this and have just been sent applications ( x 2 ) that never go anywhere.
Company Response:
State: NM
Zip: 87123
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A