Date Received: 2022-11-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Pursuant to a previous dispute that my Student Loans are being reported twice. XXXX states that they purchased my student loans yet if XXXX purchased my student loans in XXXX why are my Student Loans showing listed via all XXXX credit reports by the NELNET and show my student loans as active and pass due from XXXX. If my student loans were purchased by XXXX my student loans should not be listed by the Nelnet making it look as if I owe twice more than what I should, such that NELNET should remove all occurences of past loans from my credit report.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have asked Nelnet to reimburse all payments made towards my student loan between XX/XX/XXXX and current. The request for reimbursement was initiated in XXXX of XXXX. Nelnet processed the reimbursement and credited the amount of {$2000.00} back on to my loan weeks ago. Nelnet continues to tell me over and over after 6 or more repeated requests and calls that the checks are " in the mail ''. To date I have not received credit in my bank account or any physical checks. I contiue to get conflicting information from Nelnet and the run around. Attached are screenshots from my bank of the 2 payments made I've asked to be reimbursed. Nelnet also deleted my entire payment history in my online account. Why?
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it concerns, I recently received a copy of my consumer reports ( XXXX, XXXX, XXXX ), and I noticed that your company is reporting Late Payments on my consumer report. DEPT OF EDUCATION-NELNET ( XXXX ) DEPT OF EDUCATION-NELNET ( XXXX ) Your company is in clear violation of the law. Under 15 U.S. Code 1681 ( b ) permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Please answer the following questions : - Did I give you written instructions to furnish this account on my consumer report? - Do you have a Power of Attorney to act on my behalf that was signed and certified by a Third-Party to confirm your authority to act? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the Consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681. You have 10 calendar days to update my account and remove ALL late payments that are reporting. DEPT OF EDUCATION-NELNET ( XXXX ) DEPT OF EDUCATION-NELNET XXXX XXXX ) Your failure to respond satisfactorily with the deletion of the above Utilization will result in REDRESS being taken against NELNET and its CEO XXXX XXXX XXXX XXXX, for which I will also be seeking a sum certain $ XXXX United Stated Dollars per violation for : 1 . Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance section 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ] Govern Yourselves Accordingly. Regards, XXXX : XXXX, XXXX rep/agent/living beneficiary/grantor all rights reclaimed and reserved.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Have tried several times to contact Firstmark Services regarding my private student loan that is currently in repayment. I've asked several times why my interest rate continues to rise and even asked for an origination statement. However, I can not get an actual agreement from Firstmark Services from when my loan originated. They send me the latest statement only. They say my interest rate is variable which has caused my payments to increase drastically. However, I have never had my monthly payment increase in the past. It has only increased over the last 6 months. I never asked for my student loan to be transferred from XXXX XXXX to Firstmark. And I find it absolutely ridiculous that I can't even get information on the original loan I agreed to.
Company Response:
State: PA
Zip: 15132
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Sent XXXX & XXXX and Debt Validation to NELNET and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from XXXX XXXX XXXX XXXX advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my Nelnet acct number, or social security number, DOB and First and Last Name. Also, I should restate question and concern. On XX/XX/XXXX, I received a message stating the NELNET account has been closed and the amount has decreased. Still no update from NELNET. NELNET has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: During the first week of XXXX, I contacted Great Lakes to request the funds I paid during the Covid-19 payment freeze be refunded. They told me my request would be " honored '' and would take " up to 45 days '' to process. After 45 days had come and gone, I followed-up and received the below response. They never notified me of any change to the 45 day window I was provided and now they are playing games. They are also claiming I have a balance for a loan I paid IN FULL because they have processed the refund in their system, but are holding back the money. So it now appears I have a balance, even though they didn't actually refund the money. Hi XXXX, Thank you for your email. We are now waiting for the U.S. Department of Treasury to approve the refund requests before funds can be issued back to the remitter of the payment. We appreciate your patience while our Payment Processing Team works diligently to process your refund request. Due to the high volume of refund requests, we can not provide a time frame for when you will receive your refund. If you have additional questions or concerns, please do not hesitate to contact us. Sincerely, XXXX XXXX XXXX Great Lakes Educational Loan Services , Inc .
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: As of XX/XX/2022, I am a XXXX XXXX XXXX pursing my XXXX XXXX XXXX in XXXX XXXX XXXX ( XXXX ) at XXXX XXXX XXXX XXXX During this program, I am not employed, have no steady disposable income, and am paying for housing and other necessities by way of XXXX XXXX XXXX and XXXX XXXX XXXX Firstmark Services, who service XXXX private loans for previous educational endeavors, refuse to grant me in-school deferment for the time I am pursuing my XXXX. It was verbally relayed to me during the XXXX XXXX XXXX I would be eligible for in-school deferment. I can not recall the actual date. I submitted the appropriate confirmation of my status as a XXXX XXXX. They continue to reject this much needed deferment, thus seriously damaging my credit score and causing mental distress.
Company Response:
State: PA
Zip: 15642
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
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 15usc 1692a ( 5 ) 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 person or organization who has this contract is now the debtor. The reason I asked for my signature is this organization used my signature as form of transaction to sell to other third-party security markets to profit. So therefore, I am not the owner of this debt.
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Originally called Nelnet on XX/XX/2022 requesting a partial refund of {$5200.00} from a loan with a total balance of {$9100.00}, that I paid off during XXXX on XX/XX/2022. The agent went through the entire process with me, where I gave verbal permission for the refund, in addition to, all of the other varying information that was required. That agent informed me that my refund would be reviewed and I would receive it within 4-6 weeks, going on to say that it wouldnt be longer than the 6 weeks. Lastly, the agent informed me that someone from Nelnet will be reaching out with further information and confirmation between my initial call and three weeks from then. Having not heard anything from Nelnet in the four weeks, I called again today XX/XX/2022 to confirm that my refund was being processed and that I didnt miss the call or communication on their end. The agent I spoke with today told me that it was strange that my refund was taking this long and it didnt appear that I needed to do anything further for the refund to be processed. Upon asking when I would be receiving the refund the agent informed me that it would be at minimum 30 days, but most likely closer to 60 days from today 's XX/XX/2022 conversation. The agent was unable to confirm where my request was in the overall order of requests, or if they were able to process it sooner, in hopes of receiving the return within the initial 4-6 week that was quoted. Just over a month from my initial complaint filed with cfpb and unfortunately nothing has changed. Called XX/XX/2022 and again was told all of my paperwork is accurate, but they dont know why it is taking so long. Called on XX/XX/2022 and the customer service agent was able to confirm again that all my paperwork was filled, but my application has not been processed any further. At this time, she stated that my loan would go from the initial 4-6 weeks to 12-15 weeks. Feel as if I am just receiving the run around from Nelnet, always receiving varying answers with each separate call.
Company Response:
State: NY
Zip: 14127
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was notified by XXXX of action on my account for a Nelnet loan disbursed to a recipient in XXXXXXXX XXXX dispersed on XX/XX/XXXX of XXXX for {$3100.00}. I contacted the company, the school XXXX XXXX XXXX XXXX XXXX. I filed a police report with XXXX XXXXXXXX XXXX XXXX XXXX XXXX and contacted XXXX as well. In addition to this incident, I have been indentated with identity theft and fraud and scammed since XXXX. I have submitted FBI tips and I have also submitted XXXX XXXX tips. Including XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, employers email addresses and employers email, employers XXXX account used for creating account access using my name and identity. Phishing emails and messages and texts and DVR eavesdropping and cellphone hacks. XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX cyberattacking and all kinds of calls from different places. Also my taxes were filed in an attempt to set a payment for the XXXX offset by the XXXX returns and my taxes were not processed. I went to a tax service in XXXX XXXX and they wanted to charge me more than the tax return itself and more the amount for the entire thing. Very odd.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A