Date Received: 2022-10-24
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 called the XXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this DEPT OF ED/NELNET Late payment XX/XX/XXXX 30 days late will be removed. DEPT OF ED/NELNET XXXX XXXX : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX XXXX : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00}
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
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 have disputed these XXXX duplicated loans for over several months. I know the all loans are closed XXXX balance thats not the issue I only took out XXXX loans period not XXXX the loans the XXXX loans for XXXX and XXXX for XXXX making it XXXX loans on all 3 credit bureaus when originally I only had XXXX loans again the issue is duplicate loans please please remove the duplicates you say its accurate its not I only took XXXX loans and that what should be on my report s not duplicate loans look at the amounts and the dates please
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX a notification appeared on my home page of the Nelnet site. It stated that Nelnet had completed the review of my Teacher Loan Forgiveness application I submitted on XX/XX/XXXX. The notice stated to look for further communication from Nelnet. I am signed up to have my statements and correspondence sent to me electronically. When over XXXX days had passed and I had not received any electronic communications I called Nelnet on XX/XX/XXXX. The first advisor I spoke to told me that my application submitted on XX/XX/XXXX had been rejected. I the dates on my application were too old and I needed to submit a new application with updated signatures. The application signatures were dated from XX/XX/XXXX thru XX/XX/XXXX. I told this advisor that the reason for the delay was Nelnet failed to process my application for over XXXX months ( XXXX XX/XX/XXXX ). I asked to speak with a supervisor. The supervisor told me my application was rejected because, since I taught at two schools to make up the five consecutive years of teaching, I needed to submit two complete Teacher Loan Forgiveness applications. One application for each school I taught at to make up my five continuous years of service. I pointed out to the supervisor that in section 7 of the Teacher Loan Forgiveness Application the instructions state to If you need to list multiple schools/ESAs or need more than one CAO 's certification, the information required in Section 5 may be provided on a separate piece of paper and submitted with your completed form. I duplicated page two of the application and had a CAO, school principal, complete the section. I then submitted all three pages to Nelnet. The original CAO certification and the CAO certification I copied and had filled out certify I have five consecutive years of teaching, thus meeting the Teacher Loan Forgiveness requirement. I then asked to speak with a manager. Teacher Loan Forgiveness applications were submitted to Nelnet on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In speaking with the manager I was told a different story that the application was rejected since the application expired on XX/XX/XXXX. I have submitted this application to Nelnet a total of three times. Why was this issue not raised to me on the initial submission. Nelnet appears to reject the application based upon the first issue they discover and not evaluate the entire application. My issues with Nelnet are the following : 1 ) I received a apology from Nelnet in the six month delay in processing my application. To receive an apology for not processing an application is not acceptable to me. I suggested in my original complaint that my application should receive special handling. 2 ) I continue to receive bad information from Nelnet advisors and supervisors. I can not depend on any information I receive from Nelnet over the phone. 3 ) Why did I not receive electronic communication from Nelnet after a notice of that the review of my application had been completed. 4 ) In reviewing a Teacher Loan Forgiveness application Nelnet should review review the entire two pages of the application. They should raise all issues with the submitter, so the likely-hood of the next submission will be able to be submitted to the Department of Education XXXX
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been on XXXX for almost 3 years now and been trying to get my XXXX XXXX taken off and they are making it really difficult for me to do so or they keep telling me different things and I am so frustrated and it is affecting my mental health and need someone to take care of this situation
Company Response:
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b and 15 us code 6801 and 15 us code 6802 ( FCRA ). The law clearly states the following 15 USC 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTINGThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) PRIVACY OBLIGATION POLICY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) FINANCIAL INSTITUTIONS SAFEGUARDSIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. XXXX OF XXXX / NELNET XXXX DEPT XXXX XXXX / NELNET XXXX
Company Response:
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Good afternoon, Since XX/XX/XXXX I've repaid {$13000.00} on my federal student loans through Great Lakes Student Loans. Due to the announcement concerning student loan forgiveness, I requested the full amount to be refunded on XX/XX/XXXX. I was originally told 25 days for it to be processed. Today is the 60 day mark, and it has neither been refunded nor has my XXXX XXXX XXXX XXXX account been updated to reflect the balance. I've called and emailed customer service a total of four times, and each time was simply told it was being processed without a clear time frame as to when. I was also concerned that each time I asked to confirm the amount to be refunded, they were unable to confirm the amount I calculated. Thank you, XXXX XXXX
Company Response:
State: AK
Zip: 99507
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My old loan servicer was XXXX, they transferred my loans to Nelnet on XX/XX/XXXX. Before the loans were transferred to Nelnet, I was on the REPAYE payment plan, my income was below a certain threshold, and my monthly payments were set a {$0.00}. Through XXXX, I opted out of the covid XXXX pandemic payment pause/forbearance program when the federal government announced the program in XXXX. The first attachment is a bill from XXXX to prove that I was being billed monthly, and opted out of the pandemic payment pause. I opted out because my payments were $ XXXX and I am working towards loan forgiveness after a certain number of satisfactory payments have been recorded. I wanted to opt out the pandemic payment pause so that my payments would continue to accrue towards my loan forgiveness. On XX/XX/XXXX, Nelnet took over as my loan servicer. They REMOVED my opt out request previously made with XXXX, and they also REMOVED the satisfactory monthly payments made to XXXX during the pandemic payment pause that I had opted out of. I believe this is illegal. They certainly don't have the right to remove payments that made progress towards my loans ' forgiveness, regardless of the monthly payment amount. I contacted Nelnet over 3 times in writing asking them to amend and fix this matter. They have refused to complete my request. They did, however, finally, after the third complaint email, put my loans back into the opt out ( of the pandemic payment pause ) status, and my payments have resumed at $ XXXX. I have asked Nelnet to amend my account to reflect that I made satifactory payments THROUGHOUT the entire pandemic payment pause, including the satisfatory payments made to FSL that Nelnet removed when they took over as my loan servicer. They have refused my request at least 3 times, and refuse to directly answer my questions regarding this matter.
Company Response:
State: MI
Zip: 49707
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: The total loan and fees were not fully disclosed or improperly explained resulting in substantial interest in addition to principal amount.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
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: In response to your response of XX/XX/2022 Student loans can not appear on my credit report when it is in violation of federal law. In your contract not only is there an error in the name which is grounds for deletion but section C, Item 13D, in the contract states it must be Permitted by law and federal does allow you to violate my privacy as a consumer which is a violation ( 15 U.S.C 1681a ). You are infringing on my privacy. You also did not loan me anything, it was a consumer credit extension, You do not have the authority to create or loan out credit. This means there was not a meeting of the minds through lack of FULL DISCLOSURE.
Company Response:
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to this company to let them know I do NOT agree with the false reporting of these accounts and this is still reporting on all of my credit reports. Per FCRA 15 USC 1681 my privacy rights have been violated I demand an immediate response or I will be contacting my Texas State Attorney General and federal courts. SEE ATTACHMENT
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A