Date Received: 2023-06-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I still have not gotten my refund payments for the PSLF
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My federal student loans have been serviced by three providers since the start of the COVID pandemic. Great Lakes to XXXX on XX/XX/XXXX, and then to XXXX at the end of the XXXX contract with the US Dept of Ed. On XX/XX/XXXX, I requested a refund of student loan payments made during the COVID pandemic. On XX/XX/XXXX, XXXX responded and refunded the {$2800.00} that had been paid to them since becoming my servicer. Their response stated that the additional money paid through other servicer would come from the Treasury after processed by the Dept of Education. After 120 days, I received a portion of this money from the XXXX Treasury - A check for {$10000.00}. This represents the money paid via XXXX after XX/XX/XXXX. I contacted the Dept of Education to request payment of the refund from payments made to Great Lakes between XX/XX/XXXX and XX/XX/XXXX - an amount of {>= $1,000,000}. I received a response to contact Great Lakes. Great Lakes now no longer services loan and I can not contact them. Ultimately my loans and payments were the property of the US Department of Education. I did not chose my servicers. I can not contact some past servicers. I am missing over {$62000.00} that an agency of the federal government owes me.
Company Response:
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
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: I have had several issues getting the incorrect information about my Student Loan from Nelnet Student Loan Servicer PROPERLY removed from my XXXX Credit Report. I have submitted two different disputes with the CFPB ( case number XXXX - XXXX as well as XXXX - XXXX ) about XXXX violating my rights under the fair credit reporting act by repeatedly reporting FALSELY two additional accounts ( when I only have one fully consolidated federal student loan ) # XXXX and # XXXX both showing up as being extremely delinquent. Not only are they showing multiple additional accounts when I only have the one, but I also had entered into the Biden Fresh Start Initiative way back on XX/XX/2023 and ANY AND ALL student loans under this act are ONLY to report as being CURRENT AND ONTIME. Now not only has XXXX repeatedly ignored my official disputes through the CFPB and just denied me of any and all rights At the same time I have reached out to NELNET on XX/XX/XXXX and told them that my student loan account was being reported as TWO separate accounts and that NEITHER had been removed NOR were being reported correctly as PAID IN FULL and ONTIME as they should through the Biden Fresh Start Program. They ASSURED me that once they had reported the account as a NEW NUMBER XXXX the other two old accounts would FALL OFF my XXXX Report as they would have then submitted all of the NEW INFORMATION about my account now being CURRENT AND ONTIME under the BIDEN ACT. I was PROMISED this would happen after they reported to XXXX on XX/XX/XXXX or XX/XX/XXXX WELL, now that time has come and gone and I see that this new account has been reported to XXXX and STILL NO REMOVAL of the SAME ACCOUNT being FALSELY REPORTED NOW FOR A GRAND TOTAL OF THREE, YES 3 separate accounts two in terrible delinquent status and one with a hearty new debt total. And thanks to both companies denying me of my rights and falsely reporting this information I was just denied a car loan with XXXX.
Company Response:
State: IA
Zip: 50023
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act and have violated several of my rights. 15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C. section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX XXXX I received letter from student aide that a class action that was filed against nelnet was approved and that my student loan in the amount of almost XXXX was going to be XXXXischarged and I would be refunded any money I paid towards loan. Right after nelnet went and put two more loans on my credit that were not there. When I called they stated my daughter defaulted on them years prior. I was informed they would be taken off my credit. However till this day they have taken the XXXX XXXX of and left the other XXXXwo. They took the other two off this week from my XXXX and it is still on my equivax report. The only reason they were taken off was because I disputed them. Now I have to dispute through XXXX because they have not removed it. This has caused me alotnof problems because I am retired and on a fixed income and shows my debt to ratio at a high rate because of what they did. Nelnet has been very uncooperative and keep giving me the run around. I would appreciate your help in helping resolve this matter. I enclosing my documents to show they have not done it right.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to address a serious matter regarding the collection activities undertaken by Dept of ED NELNET regarding an alleged debt. I hereby demand that you immediately cease and desist all communication with me, including any attempts to collect the debt or report it to credit bureaus. I also request a thorough validation of the debt, as your current collection efforts lack proper verification and infringe upon my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that you are claiming to be the creditor or authorized collector of a debt allegedly owed by me. However, you are not the original creditor, and I have received no evidence or validation that substantiates the validity of this debt. In accordance with the FDCPA, I have the right to request and receive verification of the debt, including information about the original creditor, the nature of the debt, and any supporting documentation. Until such validation is provided, your attempts to collect on this debt are unwarranted and in violation of my rights. Furthermore, your possession of my personal information without proper validation raises concerns about the handling and accuracy of my consumer report. I have discovered inaccuracies on my consumer report that reflect negatively on my creditworthiness, resulting in denials of credit applications. These inaccuracies are damaging my reputation and causing significant harm to my financial well-being.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to address a critical matter concerning the presence of inaccurate accounts on my consumer credit report, which have been reported by Great Lakes. It has come to my attention that these accounts have never been properly validated, infringing upon my consumer rights. I demand the immediate removal of these accounts from my consumer report, as their inclusion violates my rights and is causing severe damage to my reputation and financial well-being. The reporting of inaccurate information on my consumer credit report by Great Lakes is unjust and has resulted in denials on credit applications, as well as significant harm to my financial standing and reputation. It is imperative that you rectify this situation by removing these accounts from my consumer report without any delay.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Under the XXXX act I requested a refund of overpayments for 5 months from XX/XX/XXXX- XX/XX/XXXX and have yet to receive the funds. When asked for a timeline and current status the response from Nelnet was that it was in accounting departments hands. When I asked to speak to that department they refused. Currently that money is being held by Nelnet and they continue to profit off it. I would request that they provide an accountable timeframe for processing all requests as it seems that they are purposefully withholding funds to circumvent paying out until a Supreme Court decision.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPT OF ED / NELNET # XXXX, Account Name : US DEPT OF EDUCATION/GL # XXXX, Account Name : XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY REPORT AND THIS LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A