Date Received: 2023-02-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed a dispute that was sent over to them and they responded back that they wouldn't remove these two innacurate items from my report due to them being legit when they are not.Then Ive called 3 different numbers I was given for them and they have not been reachable even after I left two messages.
Company Response:
State: TX
Zip: 75602
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, I reached out to Nelnet in order to exercise my right to " Opt Out '' of sharing my nonpublic information with nonaffiliated third parties. According to two of their representatives, one being a supervisor by the name of XXXX, I was basically told that as a consumer I have no such right. So I even took the time to read what the law states according to 12 CFR 1016.10 ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) to her, which details how I was supposed to be given such notice at the time of the loan or soon there after, which I have NEVER received.This was quite disturbing to me, so therefore I tried to explain to them that, I as a consumer, definitely have such a right. I also explained the fact that I am NOT trying to avoid my obligation, I just simply would like to exercise my legal right of not having it reported to nonaffiliated third parties as the law clearly states I have the right to do. After we went back and forth about it, she checked with her superiors and returned with pretty much the same answer from them. I'm not sure if everyone there is just simply oblivious to the laws concerning this issue but it is something that really needs to be taught to those who are responsible for the handling of a consumers nonpublic information.
Company Response:
State: AL
Zip: 35758
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I applied for borrowers defense to repayment in XX/XX/2021. I accidentally checked no to the administrative forbearance piece on the application asking if I wanted the loans in administrative forbearance. I have recently realized my loans serviced by Nelnet could have been in forbearance this entire time. ( Didnt read carefully enough when I applied ) My school is on the list of schools in the XXXX XXXX XXXXXXXX XXXX and since they are commercially held XXXX XXXX, if the case results in loan forgiveness, I wont get any of this money back, so I want them placed into administrative forbearance until there is a resolution. Ive called both Nelnet and the Department of Education several times with each telling me they cant do anything and placing responsibility on the other. I filed a complaint with the Federal student aid Ombudsman and got a cookie cutter we cant help you email telling me yet again to deal with Nelnet. I responded to the email as it stated I could do and received no response. They just closed the complaint. I really could use some help getting resolution to this matter if you can please assist. I do not know where else to turn.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: To Ombudsman Group, Loan XXXX My husband reached out to studentaid.gov an office of U.S Department of Education regarding feedback case XXXX. ( all attachments are included ) I posed the following question, " I'm trying to determine what is the legal binding date of the Federal Consolidation Loan Application and Promissory Note I have attached to this feedback case. My assumption is that this Note became legally binding on XX/XX/2006 when both my wife and I signed the document. Please review the document and reply with the date that makes this a legal binding document. They replied with the following, " Dear XXXX XXXX XXXX, Thank you for contacting the U.S. Department of Educations ( EDs ) office of Federal Student Aid ( FSA ). This email is in response to your inquiry regarding a Federal Consolidation Loan Application. Your case number is # XXXX. Please retain this number for reference. You are legally bound by the terms and conditions of your Federal Consolidation Loan Application and Promissory Note from the date of your signature, XX/XX/2006. For any questions regarding your federal student loan balance or account details, you may contact your servicer, Nelnet, at XXXX. We hope you find this information useful. If you require further assistance or have any questions, reply to this email or contact us. Our hours of operation are Monday through Friday, XXXX XXXX. to midnight Eastern time ( ET ) and Saturday and Sunday, XXXX XXXX. to XXXX XXXX XXXX. We are closing your case at this time. Sincerely, XXXX XXXX Federal Student Aid According to the outcome, please help clarify whom you spoke to with the department of education because what you mentioned in paragraph three of your letter doesn't correlate to the Department of Educations response which validates this loan application and promissory note was signed after XX/XX/2006 when congress had eliminated the spousal consolidation program. I don't believe they were in contact with the Department of Education regarding the legal binding contract my husband and I signed on a date after the program no longer should have existed.
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The Cares Act Established disaster relief for student loan borrowers in XX/XX/XXXX retroactive to XXXX, XXXX through Congressional authority. Further authority was given to the Department of Education Secretary to draft and enforce policy to implement the provisions of the Cares Act pertainig to federal loans that were federally backed. In XX/XX/XXXX the Department of Education announced the expansion of the Cares Act to include FFELP loans held by and guaranteed by private and commercial lenders. In the guidance handed down from the DOE, the disaster relief of zero percent interest was to be applied and an automatic pause on the payments due in for those loans, and those loans in default were to be immediately returned to good standing. The DOE released GEN 21-03 which identified types of loans and separated into population XXXX, XXXX, and XXXX and specified the actions needed to be taken. In a series of XXXX separate question and answer releases XXXX XXXX addresses concerns from each GA and Servicer clarifying any doubts as to what actions needed to be taken. ( see attachment 22-03158 FOIA response ). XXXX was included in those Q & A sessions and also conference calls with FSA prior to those sessions. XXXX person XXXX was included in those conversations and emails. ( see attachment 22-03158 FOIA response ) XXXX willfully disregarded the GEN 21-03 and CFR 34 CFR 682.409 both of which mandated bringing the loans current and assigning to the DOE. Instead XXXX sold the loans to private lenders for profit. XXXX further submitted for collection costs/ rehabilitation costs after pushing rehabilitation agreements through completion. XXXX instead of transferring the loan to the department pushed rehabilitation agreements on borrowers to stop profit loss from the loans that were required to be returned to good standing. The Covid relief measures meant that XXXX would lose profits so instead of following the law and regulations, XXXX proceeded to deceive borrowers in their options for relief and seek profit at their expense and detriment. XXXX further along with XXXX and Nelnet violated consumer protection and credit reporting laws to include the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulation, Regulation V, 12 C.F.R. part 1022 ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., based on unlawful acts and practices in connection with XXXX servicing, default aversion, and collection of student loans. Borrower loan in this instance was a population XXXX loan. Borrower contacted Nelnet and XXXX the day after the XX/XX/XXXX notice of expansion of the Cares Act was released. Borrower demanded that Nelnet and XXXX return the loan to good standing. Both XXXX and Nelnet refused to cooperate and afford to relief entitled under law. Instead XXXX allowed a rehabilitation agreement to go to completion after they breached the contract after being noticed by borrower several times. Nelnet was sen the public notice and confirmed reciept. Nelnet was required to regain possession of the loan and return to good standing as of XX/XX/XXXX at minumum. Nelnet was contacted and demanded to do so but refused to comply with the DOE GEN 21-3 requiring the relief to be applied retroactive. Nelnet continued to report the negative information to the borrowers detriment. XXXX failed to notify the prior servicer Nelnet to take actions required in GEN 21-03. XXXX failed to contact Nelnet to report the tradeline accurately to the Credit Reporting Agencies. XXXX further sold the loan to XXXX and collected profits from that sale and rehabilitation agreement after breached that rehabilitation agreement and after being notified by borrower. XXXX then refused to rescind the loan after being notified of the breach of the agreement and that the loan was illegally transferred and sold and in which they had no right of possession. XXXX continued to report incorrect balances, disregard covid relief, disregard forbearance and pauses, and continue to report the loan late to the CRAs after being formally noticed through their registered agent and through email. XXXX further sent notices to borrowers mirespresenting that the Covid relief had ended. XXXX violated FCRA and FDCPA and state and federal deceptive trade practices act laws. XXXX continues to report the loan as being late which continues to harm borrower. The actions by XXXX, Nelnet, and XXXX has been a long standing and continued journey of deceiving borrowers and breaking consumer protection laws, taking money from the federal fund and recouping monies that they are not entitled to under law or equity. DOE Contacts are contained in the attachments as well as some correspondence with XXXX, XXXX, and Nelnet. Attached in an enforcement action by the CFPB against XXXX in XXXX. Attached is an enforcement action by the state of PA Attorney General. The CFPB should take the same action against XXXX, XXXX, and Nelnet.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX, I took out a Federal Parent Plus loan. In XXXX, it was switched to a private loan. I was never notified. In fact, I have never been contacted by mail, email or phone of any changes at all On XX/XX/XXXX, I was incorrectly advised of a deferment date. I have been given different answers each time I call Nelnet. I was told I believe in XXXX, XXXX that I was ahead on my payments because I had payed interest each month of XXXX $ during the first year of the pandemic. Thus I was in deferment till XXXX. On XXXX XXXX, i called to report difficulty with changing my password and was told a payment was due in XXXX ( which was o totally different amount than my original payment. The woman I to then asked many questions and put my loan in deferment until XX/XX/XXXX. She told me this and I documented it for my records. Today I was told by the Nelnet agent that nothing to that affect had been documented on XX/XX/XXXX and her note was that I had refused to pay. I had already been told I was in overpayment until XX/XX/XXXX. I was sent the application for XXXX on XXXX/XXXX and she instructed me how to fill outback. I was told today when I called that it was incorrectly filled out XXXX I need to submit a second application which I am doing today. I am a senior citizen on a fixed income who has never missed a scheduled payment and even paid halfway through the pandemic. I have been given misinformation, lied to and dont know where to turn. The original Loan was taken out through XXXX. Account number XXXX
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made a request with Nelnet back in XX/XX/2022 to receive a refund of all payments that I made during the pandemic, a total of {$5900.00}. I have called Nelnet multiple times to check on the status of this refund, of which I have only received a single check for {$1.00}. I have been waiting approx 6 months and getting vague responses with no genuine concern for the delay. I have also XXXX emails that are just copy/pasted with the same vague and unhelpful response. Beyond that... nothing. I do not feel that they are concerned with my request and I'm incredibly frustrated. Nelnet has records of these payments. I even had customer service check their records on the total I am owed just to confirm -- so they are fully aware of how much I am to be refunded and how long it's been taking. I was told that my refund request would be passed on to a supervisor but unfortunately have still seen no " escalation ''. I have decided to make a formal complaint as I feel I've waited patiently for far longer than I was promised ( initially XXXX weeks, but now I've waited for 20+ weeks! ) and I am desperate for results. Half a year for a refund does not seem acceptable whatsoever.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I consolidated my student loans from XXXX school around XX/XX/XXXX. My payments over the past XXXX years have been on time and typically over the amount due. Everything seemed to be going along as expected on my statements with the amount of money I was paying towards interest decreasing as my loan amount decreased. I paid off my student loans on XX/XX/XXXX. I was surprised to receive my 1098-E showing that I paid {$5200.00} in XXXX as I paid under {$700.00} in interest in XXXX. I received my loan disclosure and my transaction details which did not explain why my interest increased in XXXX and XXXX of XXXX. It almost seems like I was precharged the interest for the life of the loan ( around 30 years ). They made it seem like I was paying interest as I go but then when I paid off my loan early, they charged me the interest as if I paid off my loan over its entire term ( around 30 years ). To me, this seems like a pre-payment penalty.
Company Response:
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: This student loan was included in a Bankruptcy, and was over seen by a Law Firm. The matter was resolved and the casework can be found in the Federal Bankruptcy Court of Northwest Florida. The last reply was it was in discharge for the Permanent and Total XXXX discharge. But now must resume repayment. Again it was Fully Discharged in a Federal Bankruptcy Court. As this is not the first, second, or third time the paperwork has been changed in status for the Total and Permanent XXXX discharge. The lender wants the loan repayment before any discharge. I have been sending paperwork for a Discharge since XXXX with status always changing or restating. I have been repaying with interest or speaking with lenders since XXXX. This is a Bankruptcy Discharged Loan. Dragging out a XXXX XXXX XXXX small XXXX XXXX XXXX that was to be discharged also with all the rest of the XXXX XXXX loan 's is beyond belief.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear DEPTEDNELNET, Violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ). Delete these accounts or remove the late payments to protect your company from lawsuits. Accounts numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, XXXX XXXX XXXX XXXX report, and I noticed you, DEPT OF ED / NELNET, are reporting my transactions and experiences specifically late payments that you have posted on my consumer report : Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) DEPT OF ED / NELNET Making the report is NOT INCLUDED on my Consumer report! Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the accounts listed in this letter and all accounts listed on my credit reports from your company. You are hereby PUT ON NOTICE that the reporting of my transactions or experiences with your company to the consumer reporting agencies is a DIRECT VIOLATION of the Fair Credit Reporting Act 15 USC 1681a 2 Ai and this constitutes inaccurate reporting. Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something You have been notified that you are reporting inaccurate information to the consumer reporting agencies. As outlined in 15 USC 1681a 2Ai Congress specifically says transaction or experiences with the Consumer ( me ) and the person DEPT OF ED / NELNET making the report is not included in my consumer report. Without a shadow of a doubt, you now know that the information you are reporting is in fact in violation of this law and you have provided this information to my consumer reports multiple times. DEPT OF ED / NELNET Ignorance of the law is no excuse! 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE these Erroneous, inaccurate accounts from my Consumer report. DEPT OF ED / NELNET. DO NOT SEND ME ANY CORRESPONDENCES IN REGARD TO THIS NOTICE UNLESS IT IS TO CONFIRM THAT YOU ARE COMPLYING WITH THE APPLICABLE LAW and you have DELETED THE TRANSACTIONS or EXPERIENCES THAT YOU HAVE REPORTED AS LATE to the CONSUMER REPORTING AGENCIES. YOU HAVE 10 CALENDAR DAYS FROM THE RECEIPT OF THIS NOTICE TO DELETE THE TRANSACTIONS FROM MY CONSUMER REPORT AND SEND OUT A NOTICE THAT SAID TRANSACTION WAS IN FACT DELETED FROM MY CONSUMER REPORTS. Failure to respond satisfactorily with the deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : Any Actual Damages Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A