Date Received: 2022-12-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX of my accounts with the student loan servicer, Nelnet, is incorrectly reported on my credit reports. Between XX/XX/XXXX to XX/XX/XXXX, these accounts are listed as 90 days or 120 days late on my credit report ; meanwhile they should have been in deferment. Ive filed a claim with the servicer in XXXX and XXXX. On XX/XX/XXXX and XX/XX/XXXX, they determined that the information will remain the same, even though it is inaccurate. They also failed to provide evidence that proves or substantiates the inaccuracies, or any copies of the documents they used in their investigation. For the third attempt, I have sent them a notarized letter on XX/XX/XXXX listing all accounts that were affected, with a copy of my credit reports from the three bureaus.
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loan was sold from XXXX to Nelnet in XX/XX/XXXX. The issue is that I had consolidated and sold my loans from Nelnet to XXXX several years back. When XXXX sold my loans back to Nelnet instead of treating it like a new loan they dropped it back into my closed accounts. The problem being that Nelnet failed to report my loan for almost a full year. It showed up as of XX/XX/XXXX and according to their systems and my credit report has been open since XX/XX/XXXX. When my account from XXXX was closed it was XXXX $ my current loan amount with Nelnet is XXXX XXXX
Company Response:
State: CO
Zip: 80922
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Loan was switched to a different servicer and effected my credit score. DEBT COLLECTOR has violated my consumer rights. I am exercising my rights as a consumer. I do not know who this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which came through the mail. This company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. I am federally and state protected consumer pursuant to 15 U.S. Code 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. In Fact Pursuant 18 U.S. Code 8 I the natural person I am not obligated by federal law to pay a debt DEBT COLLECTOR are in violation of my consumer rights pursuant to 15 U.S. Code Fair Debt Collection Practices Act ( FDCPA ), The Gramm-Leach-Bliley Act ( GLBA ),. Fact ORIGNAL CREDITOR has violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692b Acquisition of location information by acquiring my place of abode and not contacting me the consumer before. Fact DEBT COLLECTOR Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Fact ORIGNAL CREDITOR Fact Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692d ( 1 ) Harassment or abuse ; The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Fact DEBT COLLECTOR are in violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Fact DEBT COLLECTOR In violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section Fair Debt Collection Practices Act ( FDCPA ) XXXX of this title for failure to comply with a provision of this subchapter. Fact DEBIT COLLECTOR are liable for { {$1000.00} } per Violation that has been violated in this Act Pursuant to Fair Debt Collection Practices Act ( FDCPA ) 1692k ( a ) ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding { {$1000.00} }.
Company Response:
State: OK
Zip: 73069
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom it may concern : In accordance with the fair credit reporting act, this creditor ( XXXX XXXX XXXX ) has violated my rights under 15 USC1681 section 602 states I have the right to privacy.15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Full consolidation loan payoff was made on XX/XX/22 that was in excess of the then outstanding balance by {$1000.00}. After an already lengthy waiting period, the excess should have been refunded but still remains outstanding. I have made numerous requests to get the balance refunded to no avail ; it's always processing or awaiting approval. At this point I consider this theft. I've dutifully paid interest for years ... will I receive XXXX months of interest for their unapproved loan?
Company Response:
State: IL
Zip: 60091
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I requested a refund of all my student loan payments made during the pandemic on XX/XX/2022. I was told this would take XXXX days to process. I called to check the status of my request and was told they were pushing it out to XXXX days but nothing else needed to be done on my end. On the XXXX day I called to again check the status of my request and they are now saying my request was canceled and needs to be resubmitted with another XXXX day wait.
Company Response:
State: WA
Zip: 98501
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In Accordance with the fair credit Reporting acXXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It states a consumer furnish an account without written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose.
Company Response:
State: MI
Zip: 48504
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received XXXX XXXX discharge of my debt from XXXX XXXX XXXX XXXX of my student loans that were consolidated through NelNet. They received payment from the Department of Education on XX/XX/XXXX. My account was not updated until XX/XX/XXXX. Their website tells me they were paid an excess over XXXX XXXX and to call to see if it can be refunded to me. I have called approximately XXXX times and have gotten a different answer each time. Their staff is rude and incompetent. No one can or will tell me how to receive a refund of the excess.
Company Response:
State: CA
Zip: 93705
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Before attending XXXX XXXX College, they came to our school promoting a free college for class of 14 if we graduated from XXXX XXXX XXXX and all. So 3 months while attending XXXX they had a meeting for all of US student who came from XXXX and told Us that our schooling will no longer be free and that we have to pay, I had to take out a parent plus loan also so for this because we was on the impression that it was free 100 % because I was a broke kid going to college as it was and know Im stuck with a big debt
Company Response:
State: TN
Zip: 37421
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have called XXXX XXXX student settlement XX/XX/XXXX about the settlement notice they had sent me in the mail about the XXXX XXXX XXXX fileing XXXX XXXX bankruptcy and they had to close the school on XX/XX/XXXX and they said i was supposed to get my refund back from XXXX i was a student there because they closed XXXX XXXX XXXX in XX/XX/XXXX and i did, t get my refund back like they said I the notice they sent me in the mail about that and most of they need to be investigated for telling me lies about getting my financial aid refund back for the the credits I have on file with the us state government and federal financial aid office as soon as possible or be held accountable for it in the highest court of the law.
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A