Date Received: 2022-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Nelnet is on a cease and desist and they keep contacting me via phone and mail. I spoke to an account manager yesterday and she said that's it's the law to reach out to me. I told her she is in violation of my consumer rights she said not she is not she that the telephone consumer protection act gives them right to break and violate 15 usc 1692c ( c ). I am looking to fill federal charges on nelnet and the department of education.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company GREAT LAKES. Pursuant to XXXX XXXX ( XXXX ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party security markets to profit. This XXXX XXXX debt collector left a receipt of this inquiry ( GREAT LAKES ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this student loan from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OF XXXX, and XXXX from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: In XX/XX/XXXX, I called my student loan servicer ( Nelnet ) to ask when I needed to recertify my income-based repayment plan. I was advised I needed to recertify by XX/XX/XXXX. I was misinformed. My actual recertification date is XX/XX/XXXX because of government initiatives. In good faith, I recertified my income in XX/XX/XXXX. Now my payments are much higher than I can afford even though my income increased. I called Nelnet today ( XX/XX/XXXX ) asking what I could do. They said I can not cancel the recertification, even though they told me the wrong information. I would like to be put back on my old income-based repayment ( IBR ) since I was 1 ) misinformed and 2 ) there were no notifications ( emails, letters ) that I received regarding recertifying later than XXXX. I am willing to pay my student loans but would like to recertify my income at the actual assigned date in XX/XX/XXXX since Nelnet misinformed me. I want to be able to take advantage of the new XXXX coming in XXXX like the rest of the country.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
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 submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to REMOVE this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Federal student loans borrowers defense application was approved 100 %, credit report shows new loan XXXX nelnet and double amount when everything should be canceled XXXX XXXX misled me and it affected my credit and family. See attached. Also this has affected my credit for years and interest was accrued which affected my approval chances. Now that my loans are being waived compensation for damages need to be looked into.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Phone : XXXX Email : XXXX Re : XXXX XXXXXXXX XXXX Dear Sir or Madam : I, XXXX XXXX XXXX XXXX am writing to inquire about financial assistance. My purpose for this request is due to a previous student loan exceeding the limit due. I had a student loan at my previous school XXXX University which I attended from XXXX to XXXX. Presently, I am enrolled at the XXXX XXXX XXXXXXXX, and I am in the dissertation phase of my studies. I began my studies at XXXX University in the fall of XXXX. Unfortunately, I had to take a leave of absence in the fall of XXXX due to an unforeseen fire. Due to the catastrophic fire and being displaced, I had to take a leave of absence for a year. As mentioned, I previously attended XXXX University and was, at that time, in the dissertation phase of my studies. I had completed all the requirements that were necessary to be at the dissertation phase of my studies such as passing the XXXX XXXX and doing the residency requirement which includes XXXX residencies. I informed XXXX University with written consent that I needed a one-year leave of absence. However, in spite of being advised that due to circumstances outside of my control, such as my house taking more than a year to be reconstructed and having to take care of my XXXX mother, XXXX University denied my request for leave. In this case, I subsequently enrolled in the University XXXX XXXX. I verily believe, however, that I would never have had to go to another school and take XXXX additional classes if XXXX had reinstated me. I respectfully request that I be considered for financial assistance to complete my present curricula and qualify for my degree. I pray that this consideration is granted and not denied due to the outstanding financial obligation for XXXX University. Sincerely ; XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I lost XXXX points on my credit score over a student loan that I don't have. Firstmark service comes up with the incorrect information. My son has a student loan who is the primary owner and is still in school. Even if he is paying a little of his loan now I should not be blame or points taken away on my credit score. Please advise. Thank you
Company Response:
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I called my loan provider great lakes on XX/XX/2022 to start the refund process for the XXXX student loan forgiveness. I called back mid XXXX to check the status of my loan being reinstated and the refund of my loan repayment and they told me to wait another XXXX to XXXX weeks. I call again in that time line and I'm told my refund process was canceled and was reinstated today. I am just wanting to get back the money I paid during the time period it's being promised to be paid back and I feel like something shady might be going on.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: After receiving the response to my previous complaint about XXXX XXXX I called Nelnet on XX/XX/XXXX to discuss getting a {$20000.00} refund for payments I made in 2021 when the account was held by XXXX XXXX. I called Nelnet again on XX/XX/XXXX to check the status of my refund and they said it hasn't moved. Nelnet is aware of my payments and it sounds like the account has been transferred to them and they are in control as the transfer is complete. I want confirmation the Treasury department has received my request and my refund request of {$20000.00} will be sent to my house in a timely manner. Details regarding the payments are listed below and I attached screenshots as welll. " On XX/XX/2021 I made a {$25000.00} payment towards my student loan balance. This was made before my loans were transferred to Nelnet. Details regarding the payment is listed below : XXXX XX/XX/2021, XXXX XXXX to XXXX Dear XXXX : We are confirming the student loan payment you scheduled through Account Access. Payment Amount : {$25000.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Confirmation Number : XXXX ''
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Nelnet/US Dept of Education is now the loan servicer of my student loan. This loan was transferred to them from a company called XXXX. I was never informed of this transfer until after both agencies contacted me demanding money. This is not allowed by law as it states a consumer is to be notified in writing before such actions are taken. Under the Family Education Rights and Privacy Act of 1974 all my student records are to remain private between myself and my institution, I singed an agreement with my university vowing none of my information would be shared with third parties or it's affiliates. FERPA clearly states that all records including my transaction history is to remain private. Reporting my personal identifiable information to the three major credit bureau 's violates this act. Further under the Privacy Act of of 1974 it clearly states no information is to be shared without my permission. I never gave permission nor have I ever waived these rights. By placing this very private and personal information that is supposed to be between myself and my university, all my information is available for anyone to see. This information can be used to prejudice me and used against me. This agency along with the Dept of Education and XXXX have willfully misused my private information. They have also ignored my request, also available by law to opt-out of reporting this private information. 16 CFR 6805 states companies are to provide consumers the option to opt-out of certain credit tradleines from being placed on their credit report each month, yet this is not enforced. I wrote these agencies requesting to opt-out yet they chose to ignore me. Due to the damaging and purposeful misconduct of these agencies I am seeking remedies immediately. I have files a Fraud report with the FTC because that exactly what happened. Anytime a consumers private information such as name, address, phone numbers, social security number, complete transaction and financial history is given to another person, company or other and used for any purpose they want, and without their knowledge - that is called Fraud. My social security number belongs to me and the Social Security Administration, no one else, it is backed by the Federal Reserve. and is not to be given to anyone. Please see the attachments provided. I demand this information be removed from all three credit agecies, as allowed to me by law within 4 days under 15 USC 1681, 605 - block of information from identity theft.
Company Response:
State: NJ
Zip: 07901
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A