Date Received: 2023-03-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am a XXXX Veteran who was awarded A permanent and Total XXXX. Nelnet needs to update my student loans account accurately
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Nelnet Loan Services continues to refuse to fix a broken button when making a payment. When making a payment on its website, and when attempting to pay more than the minimum, there is a dialog box that pops up where you can check it so it does not advance the due date. Obviously Nelnet wants you not to check the box and tries to skip your next payment. Well that box has been broken for over six months now. I have asked three times over that period that they simple allow a person to check that box but they refuse to fix it. This is unacceptable. They should not be allowed to keep me debt longer through a broken website which they clearly are doing on purpose.
Company Response:
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Department of ED/Nelnet has placed the following charges on my credit report and have yet to send me any verification of a contract that I have with this company. I have the following amounts of debts that this company is assuming that I owe them ... {$1200.00}, {$1500.00}, {$1300.00}, {$1700.00} and {$690.00}
Company Response:
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On XX/XX/XXXX, I pulled up my credit report on XXXXand it showed that I have a negative report on a old student loan. The student loan is dated in XXXX, and approximately owe {$2000.00}. I am unable to pull it up again because I have to pay for this report. Originally when I pulled it up in XXXX, it was free. The student loan is an error because I did not apply for a student loan in XXXX. I possibly had a student loan in XXXX, but that was 8 years ago. I would like the credit report to update and remove this old loan that is over 7 years old and no longer valid.
Company Response:
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Nelnet is currently reporting accounts in non compliance with following GLBA statues ( s ) Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
Company Response:
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Ive asked for years how much I was charged for my sons tuition to XXXX was. They will never give me that information
Company Response:
State: CT
Zip: 06450
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/XXXX, a student loan for {$6600.00} was newly discovered [ Exhibit XXXX ]. While signing paperwork to refinance our home, the banker covered current debts, and when he said we had a recent student loan taken out, my wife and I were confused. We paid our last education loan on XX/XX/XXXX [ Exhibit XXXX ]. The second installment of {$6600.00} for the same loan was given, bringing the fraudulent education loan up to {$13000.00} [ Exhibit XXXX ]. The police have had a report filed, Nelnet and the U.S. Department of Education have sent me six denial letters, the FTC has a report filed, and all three credit agencies have been contacted to freeze credit, report the fraudulent hits on my credit, and place a fraud alert. Cases have been opened with XXXX University, the Ombudsman Group, XXXX, and the Illinois Office of the Attorney General [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ] [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], and [ Exhibit XXXX ]. Currently, the target to clear my name and relieve our family of this fraudulent debt keeps moving. Each denial letter or person I speak with keeps changing what needs to be done and how I can clear my name. Despite the moving target and setbacks, some good news has come. As of XX/XX/XXXX, all three credit agencies no longer recognize the fraudulent education loans taken out in my name [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], and [ Exhibit XXXX ]. The submission to the Illinois Office of the Attorney General in XXXX of XXXX has resulted in a letter returned to me on XX/XX/XXXX [ Exhibit XXXX ] that states they attempted to reach Nelnet but were unsuccessful in obtaining a response. Several letters were received from Nelnet showing some action was being taken, but all those letters received added to the confusion of this whole process, as I have experienced throughout this matter. The disorganization from Nelnet continues based on [ Exhibit XXXX ], [ Exhibit XXXX ], and [ Exhibit XXXX ]. Based on the work I assume the Illinois Attorney General 's Office started, these exhibits were received in the mail on successive days, XX/XX/XXXX, XXXX, and XXXX. As shown in the exhibits, Nelnet said my request had been denied for the same reasons [ Exhibit XXXX ] they started with on XX/XX/XXXX, and referenced on MayXX/XX/XXXX, as shown in [ Exhibit XXXX ] and [ Exhibit XXXX ]. We worked through those issues through multiple appeals and are now back to square one. Then, on XX/XX/XXXX [ Exhibit XXXX ], I received a Nelnet letter saying my submission was incomplete and need to fill out the same appeal form I have filled out several times. Finally, the next day, XX/XX/XXXX [ Exhibit XXXX ], I received another letter saying my submission was materially complete and they would review my case. Needless to say, this seems as if they are not doing their due diligence to process my request faithfully. See the Steps Taken section of the attached report for more details and access to all the referenced exhibits.
Company Response:
State: IL
Zip: 61571
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, XXXX XXXX XXXX, am acting on my own behalf and HAVE NOT used a third party for this dispute. This dispute was not filed in error. Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done DEPT OF EDUCATIONXXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If DEPT OF EDUCATIONXXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I contacted Great Lakes about a student loan that has been transferred from them to Debt Resolution and then transferred to XXXX. All three times the loan was reported to the credit bureaus, which made it appear that I owe more than I actually owe on the loans. I spoke to a loan processor and explained to him that Great Lakes double reported and also made false claims that I maid some payment and missed some payments when I have never made a payment to Great Lakes. It was reported that I made and missed payments between XXXX XXXX. With XXXX being the last time that Great Lakes reported. I was told by the loan processor that my issue was above his pay grade and that it will be falling off in a couple of months and that I should let it fall off. He was able to see where ithe incorrect information was reported to the credit bureaus and he then transferred me to someone else that could remove the information off of my report. I was the told by an agent that I had to dispute the information qith the credit bureaus in order for them to remove it. I stated that I had disputed the incorrect information several times and each time Greaymt Lakes responded that the information was correct. She than stated that they do jave a dispute from XXXX and that I needed to dispute the inaccuracies with all four ( XXXX, XXXX, XXXX, and XXXX ) in order for it to be removed correctly.
Company Response:
State: LA
Zip: 70806
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Firstmark Services manages the servicing of one of my student loans. I have monthly automatic payments set up which covers the standard monthly principal, interest, and any fees. Over the last several years I have been making extra payments over time in order to pay down the loan faster. Upon discovering that these extra payments have been applied as a " regular payment '' instead of extra payments towards the principal balance, I called the customer service department and requested that they make a correction and apply the extra payments as payments towards the principal. I was told that I can not do that and that all the extra payments have been appropriately applied ... as a " regular payment ''.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A