Date Received: 2023-01-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to late payments and per ; 15 U.S Code 1666, 'A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ' Under the FCRA they cant report late payments. I demand that they update it to the CRA.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without written my instructions. Under 15 UCSC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit report plan as a late for any purpose.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I completely paid off department of education to XXXX university and XXXX XXXX, please remove these accounts from my credit report
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was looking through my Great Lakes account and noticed a positive balance of {$XXXX}. In XXXX to XXXX validations of debts. I need this information to be clear and concise as possible, I want to know the amount of the debt owed, the name of the creditor whom the debt is owed. Also I need this organization to validate this debt, verify this debt which means to send me the name and address of the original creditor and send copy of the verification too. Provide me with the name and address of the ORIGINIAL creditor. I need to know this information to understand who I extended credit to and only the original creditor has the power to validate this debt. I am disputing this alleged debt and I refuse to pay this alleged debt.
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
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 contacted NELNET through email and also uploaded a document to their website with no response or action taken. I did get a response through using CFPB and they state not enough information and this has already been investigated. NELNET is violating my rights according to the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/NELNET # 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 a 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
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The Department of Ed ( Nelnet ) is my newest student loan provider. They are showing on my credit report that these are loans being reviewed over the last 2 months, yet I have had these loans for over 60 months, actually since XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My credit report shows they were opened in XXXX, which I do not understand. I have been paying these loans on time ever since I was eligible to pay them back since graduating in XXXX. When the pandemic hit, student loans were deferred, allowing no payments to be made without penalty. I have {$0.00} in past due amounts and {$0.00} in late fees. Yet, Nelnet is affecting my current XXXX XXXX by saying they are reviewing it for only 2 months and reported these loans on XX/XX/XXXX. I am writing because I would like these to be removed from or changed on my credit report. I am refinancing a mortgage and have great credit. This is affecting my credit negatively and unfairly. The CARES act provided assistance during the onset of the XXXX pandemic for student loans and this falls firmly under that category. I should not be penalized for this on my credit report. The loan amounts are {$2800.00} and {$570.00}.
Company Response:
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not give my consent for them to report late payments to the credit bureaus. Also, my privacy was violated by doing this.
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XX/XX/XXXX XXXX XXXX : Claims XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account : XXXX Attached Letter received from XXXX, please review initial letter and my response. Lack of customer service for our spousal consolidation. XXXX XXXX ( Ombudsman group ) - Loan Servicer Our concern regarding the XXXX XXXX XXXX XXXX originated in XXXX of XXXX is fraudulent according to the information we have from https : XXXX This documentation states, XXXX XXXX, Spouse Information, and all references throughout the Application and Promissory Note to consolidating jointly with your spouse. Effective for Applications and Promissory Notes received on or after XX/XX/XXXX, a married couple XXXX no longer borrow a Federal Consolidation Loan as joint borrowers. The loan application and promissory note my spouse and I signed was on XX/XX/XXXX and processed fraudulently on XX/XX/XXXX by XXXX. XXXX XXXX loan ( section XXXX of the XXXX amended section 428 ( a ) ( 3 ) ( c ) of the HEA by eliminating the ability of a married couple to jointly consolidate their student loan. The regulation : section 682.102 ( d ), 682.201 ( c ) ( 2 ), 682.201 ( e ), and 685.220 ( d ) ( 2 ) was modified to eliminate joint consolidation loans by married couples for application and promissory note on and after XX/XX/XXXX, XXXX regulation DOES NOT STATE WHEN THE LOAN WAS ORIGINATED. The law clearly states Nelnet should have ensured that any servicing being provided on any loans they assumed should be in good standing. Based on the documentation we shared for this loan should not have originated after XX/XX/XXXX and you have continued to service a loan that should not exist. A bidding contract is when the application and promissory note includes the date of the loan, the dollar amount, the names of both parties, the rate of interest, any collateral involved, and timeline for repayment. When this document is signed by the borrower it becomes a legally binding contract not when the loan process starts. The date mentioned in your letter response has no legal binding. You mentioned, We apologize for the delay in response to your concerns. We have actively been researching your account with your lender and guarantor to determine the validity of your loan account. The Spousal Joint Consolidation Loan Program was dissolved effective XX/XX/XXXX ; however, consolidation loans initiated prior to XX/XX/XXXX were allowed to originate and remain valid loans. It was determined, through reviewing information from your prior loan servicer, your lender, and your guarantor, you began the process to consolidate your loans in XX/XX/XXXX. Due to this information your loan remains a valid loan. At this time there are no adjustments available to your account. Please provide documentation for the statement you included in your most recent response ( indicated in the previous paragraph above ) to clearly support your findings based on your research and discussion with the prior loan servicer, lender, and guarantor. Our previous lender ( XXXX ) was shut down on XX/XX/XXXX and all of their loans were transferred to other loan servicers. Please provide what previous servicer you spoke to? Was it XXXX XXXX, if so the loan servicing operation is a fully owned subsidiary of Nelnet. We are requesting that you provide proof of the XXXX XXXX XXXX XXXX and XXXX note that has a valid signature from my spouse and I with a date prior to XX/XX/XXXX. You are claiming in your letter response XX/XX/XXXX, loans initiated prior to XX/XX/XXXX were allowed to originate. Can you please provide supporting documentation for your statement as this was not included in the new regulation provided above. Please keep in mind until we acknowledge the loan application and promissory note, there is no loan and the process can not be started without my spouse and I giving approval to set up a joint consolidation loan. We requested from Nelnet several months ago a copy of the XXXX XXXX XXXX XXXX and XXXX XXXX and it clearly shows that we signed on XX/XX/XXXX which is not before XX/XX/XXXX. We can share a copy that Nelnet provided to us if necessary. As as a result of my research and findings, Nelnet continues to service a fraudulent loan and requesting monthly student loan payments.
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Nelnet was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of Federal Student Loans as of XX/XX/2023. I am granting Nelnet 5 days to DELETE the items identified as identity theft by XX/XX/2023 at XXXX XXXX XXXX XXXX XXXX. I have provided Nelnet with enough time to gather evident or any other documents necessary prior so therefore I am only allowing 7 days as this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with Nelnet confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.
Company Response:
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet is reporting entirely inaccurate information about my federal student loan. While my expected graduation is in XX/XX/XXXX, on my credit reports the status of the federal loans inexplicably says repayments begin in dates ranging from XX/XX/XXXX, XX/XX/XXXX, to XX/XX/XXXX. I believe for federal loans the repayments being six months after graduation? So I don't understand why the repayment start dates are so different as I have not changed my school nor my program of study. This seems like a fully predatory practice on behalf of Nelnet, illegally reporting inaccurate information about when student loan repayments begin. By committing such FCRA violations with their intentional reporting of inaccurate information, I believe Nelnet hopes to increase the rate of federal student loan late payment fees and increase the default rate. This would absolutely be an abuse of students as well as the federal government funds by reporting fake dates which student loan repayments begin, years after the payments actually begin according to federal guidelines. All my federal student loans have been with the same university enrolled in the same academic program of study, so I do not understand why Nelnet is reporting some student loans with the XXXX date for when repayments begin, while for others reporting XXXX. I have neither enrolled in another university nor changed my program of study from the dates the federal student loans were first disbursed. So I don't know why Nelnet is lying and reporting inconsistent information on my student loans.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A