Date Received: 2022-10-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX am a federally protected consumer and I am making this complaint against Great Lakes for committing identity theft. I have never given Great Lakes any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9 the assignment of a default note is illegal both the assignee and the assigned are both liable for violation under 15 USC 1692 a 12. Great Lakes has committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 before which the FTC defines as debt parking. on XX/XX/XXXX and affidavit was sent to great informing them of the fraud the was committed in the allege contract. Great Lakes has sent XXXX contracts for the same alleged debt with XXXX different balances and signed XXXX years apart. XXXX responded on XX/XX/XXXX and stated the would remove the account and reduce the balance to {$0.00}. XXXX Months later Great Lakes and the consumer reporting agencies has fail to ensure maximum possible accuracy to my report while investigating bring harm to me and my financial reputation by failure to update the XXXXnformation.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I requested a refund for a payment I made on the student loan as part of the XXXX refund process. I submitted for the refund over 2 months ago on about XX/XX/XXXX and have not received it yet, and my account balance has not been updated. I have contacted Nelnet, my loan servicer, multiple times and they have still not issued for the refund for the {$10000.00} payment.
Company Response:
State: IL
Zip: 60139
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have 13 loans total by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX, XXXX and now Nelnet. The first loan was given XX/XX/XXXX. I started making payments while in school in XXXX. I later filed for economic hardship and had my loans deferred and finished school in XXXX. Then All loans were consolidated in XXXX, with no record of prior payments, because they start over, as told to me by XXXX and Nelnet. I've been on an income contingent plan for years. Always sent in the application and faxed all required documents. There's never any record of payments or any correspondence between both Department of Education or Nelnet. I moved from Texas in XX/XX/XXXX. I sent a payment, as always and the Department of Education said they sent me to a collection agency and payments could no longer be accepted. I received a letter from the Department of Education XXXX XXXX threatening to garnish my wages if payment or payment plan wasn't put into action. Shortly after, I received a letter from XXXX XXXX XXXX XXXX, a collections agency. They added XXXX to my loan for their fees. A payment arrangement was made and I sent payments directly to Department of Education until the pandemic shut everything down. Spoke to Nelnet today and they said XXXX might have been a scam because there's no record of payment. When I spoke to XXXX, they don't show it either and referred me to Nelnet. My loans have been through too many hands and it's not fair. When loans are this old and payments have been made, I need to know my legal options. Thank you.
Company Response:
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I want to file a complaint against Great Lakes Loans servicer ( mygreatlakes.org ). I paid on my school loan during the COVID pause even when I didnt have to from XX/XX/XXXX all the way up to early XX/XX/XXXX of this year. I learned in late XXXX of this year that per the Covid CARES Act I could request a refund for the payments I made during that period so I jumped on that ASAP. On XX/XX/XXXX I called and requested a refund with Great Lakes Loans. The man l spoke to on the phone told me I was eligible for at least $ XXXX back and he told me my refund should be processed and available in my bank account in about 30-40 days. Once we got off the phone I waited and after that time period had passed I still didnt see any changes on my account with them ( not even a balance update ) so I called again to make sure my refund request went through and this time they told me Id have to wait 60 days. As of today ( XX/XX/XXXX ) its been at least 60 days now and I still dont even have a balance update on my account with them. Im losing patience because it doesnt seem like my request is actually getting processed and the White House just released the Student Loan Forgiveness Application ( and Ive been holding off on applying because my student loan account still hasnt been updated ). Online Im seeing a lot of people who applied for a refund with Great Lakes Loans in XXXX and XXXX getting their refunds way earlier than me while Ive been trying to be patient this whole time. Please help me speed up this process with my account so that I can finally apply to the Student Loan Forgiveness program before its too late. Great Lakes Loans customer support has been useless and I dont know what else to do
Company Response:
State: MI
Zip: 48312
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX two student loans appeared on my credit report from Nelnet. I contacted the company and disputed the student loans as I was unaware of them. I asked for the document on the loan. The name they stated on the loan is XXXX XXXX. I advised my maiden name is XXXX and married name is XXXX never XXXX. I then disputed on my XXXX XXXX. The disputes were won on Nelnets end. I requested documents again from Nelnet they sent me over to federal loan number who said its in the system but there is nothing on the loan as for identification social card nothing. I told them that it is not my loan they said they don't have anything no documents or anything. They advised me to dispute with Nelnet again I advised they are a dead end. NelNet said the loan is from early XXXX 's I am XXXX XXXX XXXX why would this loan pop up on my credit that doesnt belong to me well over XXXX. I continued to put the loan in deferment to avoid it harming my credit. This account is fraud and I can prove my birth certificated that is XXXX and marriage license that is XXXX along with social security cards that indicate that. Nelnet refuses to provide documents valid documents to me about this fraudulent accounts. I am concerned they are going to damage my credit if I dont continue to put the loan in forbearance. I dont know what else to do, I am being forced to take on a loan that isnt mine.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Nelnet student loans issued a refund for partial amount of being over paid. In addition, they have for late payments on my account that were clearly and technically on time based on their terms and conditions of me being in school, sick, unemployed or XXXX during the time payment was due. They have not fixed this credit issue and or refunded me all of the amount of being over paid as it still reports to my credit and different from whats communicated to me verbally
Company Response:
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: nelnet a servicer for us department of education, completely XXXX up and gutted and destroyed my credit reports. you have illegally and unethically said i was delinquent when i was not, refused to invetigate the issue, ignored a sitting US senators inquiryXXXX XXXX up my credit report and lied about it for 7 years, stated an account was transferred not paid and closed, and refuse to respond to my inquires or correct the matter.you have destroyed a XXXX veterans credit and made him homeless again. you have lied and put false inaccurate information on all 3 credit reports. you have cuased me so much pain suffering and XXXX distress i intend to sue nelnet for everything you are worth. i have rrepoirted you to the education inspector generals office for fraud waste and abuse of me as a veteran. I have a new congressional inquiry in with two US senators ofices and you will be hearing from them in this matter. ALL MY ACCOUNTS SHOULD READ PAID CLOSED ON TIME FOR LAST 7 YEARS AS I AM PERMANENTLY AND TOTALLY XXXX AS OF XXXX.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Nelnet student loans issued a refund for partial amount of being over paid. In addition, they have for late payments on my account that were clearly and technically on time based on their terms and conditions of me being in school, sick, unemployed or XXXX during the time payment was due. They have not fixed this credit issue and or refunded me all of the amount of being over paid as it still reports to my credit and different from whats communicated to me verbally
Company Response:
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Nelnet student loans issued a refund for partial amount of being over paid. In addition, they have for late payments on my account that were clearly and technically on time based on their terms and conditions of me being in school, sick, unemployed or XXXX during the time payment was due. They have not fixed this credit issue and or refunded me all of the amount of being over paid as it still reports to my credit and different from whats communicated to me verbally
Company Response:
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: As part of the XXXX administration student loan debt relief program, borrowers are entitled to a refund of payments made during the COVID forbearence period. Borrowers were entitled to ask for a specified dollar refund amount or 100 % of their payments. During the COVID Pandemic I continued to pay for student debt to a total of {$19000.00}. On XX/XX/22 I requested my student loan servicer Nelnet to process a refund of only {$6000.00} in order to maximize XXXX 's {$10000.00} student debt relief plan. Nelnet by accident refunded the total of {$19000.00} by mistake and added that debt back to my remaining balance of {$4000.00} to equal {$23000.00}. This error exposes to me a higher principal and therefore higher interest if I do not receive the refunds by repayment period. On XX/XX/22, I discovered this error and requested Nelnet to back out their error, but they stated that although it was their mistake they couldn't back out the error. I asked for documentation of my past payments and accounting to document the error and they refused to provide me any documentation related to my financial information. I explained that due to their error, I now am exposed to higher payments and interest and that this is against the law and unfair lending practices. I also asked for documentation and tracking of where my incorrect refund of {$19000.00} vs {$6000.00} is and they stated they do not know. Being that Nelnet is one of the nation 's largest student loan servicers, all of their lenders were exposed to this internal glitch they recognized, but not willing to fix. This is unfair lending and needs to be addressed.
Company Response:
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A