Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On Sunday XX/XX/2023 I awoke to notifications from my credit monitoring service that there were new late payments being shown on my credit report on all three bureaus (XXXX XXXX XXXX) from Nelnet servicer. I quickly checked my account and found that it was in good order on line. This has caused my credit score to drop XX/XX/XXXX points and is making approvals difficult. I am not late. Even though I have been making payments, at the moment, all payments are paused by the Cares Act, specifically addressing how credit reporting will be done: d) REPORTING TO CONSUMER REPORTING AGENCIES.During the period in which the Secretary suspends payments on a loan under subsection (a), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. I hope that his is taken care of by Nelnet, but retain my right to litigate if necessary.
Company Response:
State: TX
Zip: 76226
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loan servicer- Nelnet has said that if I pay ABOVE my monthly payment, any amount above my monthly payment needs to be allocated towards any interest on my loan. They are not allowing me to put extra money above my monthly payment on principle. This should be allowed according to the student loan borrower assistance XXXX XXXX XXXX XXXX. I have made this clear to the department of education as well as Nelnet and have submitted complaints, the dept. of education simply forwarded the complaint to Nelnet and Nelnet responded by sending me a document with my " payment history '' and a letter telling me I must pay interest first. I was asking about future payments for after the Covid pause. Past payments are not relevant at all. I am getting the run around and no resolution at all. I have 14 federal student loans of various amounts and each has some accrued interest ( for those before covid ) I asked about payments over the phone on XX/XX/XXXX, and reached out and submitted a complaint through the dept. of education XX/XX/XXXX, then got a response from Nelnet XX/XX/XXXX. Please note Nelnet didn't really address this at all. I would be happy to provide documents, and loan details and email received from Nelnet if needed. These are unfair, abusive and deceptive practices to collect more money from the student loan borrower. Thank you for your attention on this very important matter.
Company Response:
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon reviewing the information provided to me, I have identified several discrepancies and concerns regarding the debt in question. It is imperative that these concerns are addressed and clarified to ensure a fair and accurate assessment of my financial obligations.Firstly, I request that you provide me with detailed documentation verifying thedebtor'slegitimacy, including the original creditor 's name, the account number, and a complete payment history. This information is essential for me to evaluate the accuracy and validity of the debt in question.Additionally, I exercise my right to request a complete accounting of the alleged amount owed, including any interest, fees, or other charges that have been added to the debt. It is crucial that I am provided with a comprehensive breakdown of all charges associated with the debt, allowing me to evaluate their accuracy and legitimacy.Furthermore, I would like to bring to your attention that I dispute any responsibility for this debt based on the following grounds : Lack of Validity : I have no recollection or knowledge of entering into any contractual agreement with the original creditor for the alleged debt. Therefore, I request that you provide documented proof of the contract 's existence and my consent to it. Based on my understanding of the applicable state laws, the statute of limitations for pursuing legal action on this type of debt may have expired. I request that you verify the statute of limitations and provide evidence that this debt is not time-barred making this false
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I currently have student loans with Great Lakes and the amount owed is {$100000.00}. These student loans continue lower my credit score. They keep reporting these loans in all my credit reports. I thought that I was entitled to privacy, as it states in the Family Educational Rights and Privacy Act ( FERPA ) that was enacted in 1974 ; and 20 USC 1232g ( b ). They never explained to me my rights to privacy and I am being turned down for credit when attempting to purchase goods and services. It has been more than fifteen years and this action continues. I have communicated this to the credit bureaus, but they insist that the information is accurate and it has to remain on my file. How is this fair reporting?
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
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 would like to begin this letter by thanking your company for the many years of great service I experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. There was a period of time where the world was going through a hardship due to covid. I always tried to my best to get every payment to you on time but there was one payment that was received and reported as 30 days late back in XXXX, XXXX, XXXX of XXXX. Before that hard time and ever since I continued with my timely payments. These late payment is extremely damaging to me in a lot of ways, mainly it is hindering from accomplishing other financial goals and my chances to receive a qualification for a mortgage. I am asking you and your company for a goodwill request. I have maintained a good paying history with you, with just that one exception and I ask for you to please eliminate the late payment with the credit bureaus by filling out Universal Data Form and faxing it to the credit bureaus that you report to. I am pleading with you to honor my request, which would mean so much. Please take into consideration what a good customer I have been. Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. Respectfully yours XXXX XXXX XX/XX/XXXX XXXX
Company Response:
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account # XXXX and Account # XXXX, have 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 a permissible purpose.
Company Response:
State: TX
Zip: 77025
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The promissory note lender was XXXX not Nelnet. The loan was scheduled to close in XXXX in accordance with the Department of Education rules for FSA loans, of which Nelnet is in violation of and the loan should never of been transferred to Nelnet. FSA loans have a scheduled close dates, in accordance with the the FSA of the Department of Education, they are not open loans until you die, it seems to me Nelnet believes themselves to be the XXXX. FSA loans have a 10 year or the newer loans a 25 year old end date in accordance with the Department of Education FSA loan rules. Nelnet has once again admitted in print the two loans of XXXX were never dispersed and for XXXX dollars and cancelled in XXXX and that there were 14 loans consolidated in XXXX. Yet Nelnet continues to show the addition of two loans in XXXX to my FSA account plus a third loan requiring consolidation. Is Nelnet owned by the XXXX? How do they continue to get away with this illegal crap!
Company Response:
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A