Date Received: 2022-10-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX, I reached out to Great Lakes to request a refund of a payment in the amount of {$16000.00} which had been remitted XX/XX/XXXX. The representative advised that there was a backlog due to the XXXX loan forgiveness announcement and that it would take 30-45 days to process. On XX/XX/XXXX ( 44 days later ) after not seeing any activity on my Great Lakes account nor a deposit to my bank account, I called to follow up. The representative said that she could see where I called in, yet there was no refund request on my account. She promptly submitted another refund request but was unable to provide any receipt or confirmation. She then advised that the new timeline to process was 60-75 days. This is causing an unacceptable burden that has financial implications.
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 section 805 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I'm waiting om a refund from them XX/XX/25 I had called and I see people getting refunds who requested after me. I've been waiting about XXXX days now.
Company Response:
State: PA
Zip: 17404
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I believe that Nelnet is actively trying to prevent me from completing the steps required to obtain student loan forgiveness under the PSLF limited waiver program. Specifically, I believe Nelnet is knowingly providing incorrect information to me about a direct loan consolidation request I completed. I completed a PSLF application in XXXX of XXXX for the limited waiver program, as part of that process I was required to consolidate my current student loans held/serviced by Nelnet into a new loan serviced by XXXX. I completed the direct consolidation request on XX/XX/XXXX following the instructions on studentaid.gov. These instructions specified that an electronic signature was authorized and would speed up the processing of the application. The site indicates that my application was completed correctly, processed and sent to the servicers on XX/XX/XXXX. The information indicated that it could take up to 6 weeks to process this request. As of XX/XX/XXXX I had not received confirmation from XXXX or Nelnet that the consolidation application was being acted upon. At that time I requested XXXX confirm receipt of the request. On XX/XX/XXXX, I received an email from Nelnet stating that my application could not be processed because it was missing information, specifically a signature in " Section 29, page 5 ''. I contacted Nelnet to inform them that studentaid.gov indicated an electronic signature could be used and no signature was required for Nelnet to send the loan information to XXXX. Additionally I pointed out that " Section 29, on page 5 '' doesn't eve require a signature. Nelnet also seemed to indicate that I was consolidating through them. During this discussion, I explained the PSLF limited waiver specifically instructed me to follow certain instructions and use XXXX as a my loan servicer. At this time the Nelnet representative encouraged me to cancel my request and submit a new application to " clear up the confusion ''. I declined this request because doing so would eliminate any chances of possibly obtaining the {$10000.00} of forgiveness announced by the federal Department of Education due to the loans being XXXX loans. According to the Dept ED any consolidation request before XX/XX/XXXX to consolidate these FFEL loans into a new loan would be entitled to the {$10000.00} of forgiveness, any consolidation request after would be ineligible. At this time I requested that Nelnet send the loan information to XXXX. Nelnet indicated that their back office would send this information but at some point I would need to sign the application. After this discussion I contacted studentaid.gov and XXXX ( the direct loan consolidation application processor ) to confirm the signature requirements and that Nelnet was not the servicer listed on the application and that XXXX was going to be the servicer of the new direct consolidation loan. Both parties confirmed no physical signature was required, my application was completed correctly listing XXXX as the servicer and indicated they perceived the hold up to be on Nelnet 's end. On XX/XX/XXXX, I received a phone message from Nelnet instructing me to contact them regarding my consolidation request. I contacted them on XX/XX/XXXX. During this conversation Nelnet claimed that they had actually received two consolidation applications from me. One was dated XX/XX/XXXX and one was dated XX/XX/XXXX. They claimed that all payoff information for the XX/XX/XXXX request was sent to XXXX on XX/XX/XXXX. They also claimed that any communications after that date were related to the second XX/XX/XXXX consolidation request, which was the incomplete request without a signature. I believe this second request was created by Nelnet to justify their inaction on the XXXX XXXX request. I never filled out a second application, in fact I would be unable to complete one online until the first application was completed/denied ( I checked with studentaid.gov ). Nelnet also indicated that the XX/XX/XXXX request was received via postal mail an action that I certainly did not undertake. Nelnet also claimed that this second consolidation request listed them as the new loan servicer, which again is something I wouldn't have done. Nelnet also suggested that I ask them to cancel the applications and fill out a new one to clarify my intent. At this point I requested them to cancel the XX/XX/XXXX reconsolidation request since I didn't make it and didn't want Nelnet to service the loans. I specifically confirmed that only the XX/XX/XXXX reconsolidation application was being discussed and that so far as Nelnet was concerned the processing of the XX/XX/XXXX request was XXXX 's responsibility. Nelnet specifically indicated that any action taken by them regarding the XX/XX/XXXX request would not impact the XX/XX/XXXX request since their processing of that request was completed. I checked the XXXX website on XX/XX/XXXX, I noticed that they suddenly listed a " manual application '' for direct loan consolidation received on XX/XX/XXXX. I find the timing and nature of this highly suspicious because I never completed a manual application and because of the timing of discussions with Nelnet. I believe that Nelnet is fully aware of the signature requirements, limited-waiver provisions and processing requirements for consolidations and delayed action until I asked them about my status. I also believe that they illegally filled out a consolidation application without my consent or knowledge and tried to convince me to cancel my legitimate application so they could substitute one that wouldn't meet the PSLF limited waiver requirements.
Company Response:
State: ME
Zip: 04011
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX ending XXXX, XXXX XXXX phone # XXXX Nelnet ( Student Loans ) XXXX XXXX XXXX, XXXX, XXXX, XXXX phone # XXXX Account numbers : XXXX {$6500.00} showing paid but I have not ... been in forbearance. Loans opened XXXX. XXXX {$25000.00} and {$40000.00}, {$54.00}, XXXX shows 120 days past due and shows I am paying XXXX monthly. Loans opened XXXX. -Spoke with 4 people at this company. XXXX, XXXX, XXXX, XXXX on XXXX XXXX. I explained to them that I was evicted from my apartment in XXXX of XXXX because of a clause in my lease about pest infestation so the landlord cancelled the lease. I am currently living in my car looking for work. I have been denied on apartment applications because of my credit. I would like them to correct this with the credit agencies XXXX, XXXX and XXXX. They all said that their company has a " Goodwill Credit Refraction Policy, '' and they will not do it. I applied over the phone with XXXX for another forbearance but he said that I may not get it to basically be prepared. However, if you are enrolled in school, military, or active duty service it can be corrected for those people. I feel like I am being discriminated against. What makes those profession better than my profession of teaching? There is nothing in my original loan paperwork than mentions a " Goodwill Credit Refraction Policy. '' I think that people have life circumstances in which rules can be bent especially after a pandemic. XXXX XXXX XXXX XXXX box XXXX XXXX, PA, XXXX phone # XXXX Account number : XXXX opened XXXX. I spoke to XXXX and XXXX on XXXX. I explained to them about my homelessness situation as mentioned above. They said there was nothing they could do about it. I explained to them that this is a bill from XXXX now showing on my credit. When I went to XXXX that day in XXXX the lady there said that she would re-apply for my Medicaid on the system not to worry. Now this is on my report. I would like them to take this off. I have been on Medicaid since my divorce as a single mom since XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, LA, XXXX phone # XXXX Account number : XXXX opened XXXX. I spoke to XXXX XXXX on XXXX. She said she put in the dispute with the company for me. I explained to her about my homeless situation. This company was someone I rented from before moving to XXXX. ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Louisiana ) and I had one month left to my lease and I left early. The reason is that my unit had the entire wall gutted and replaced because XXXX was leaking through the pipes form the apartment above me. They had to renovate everyone 's units there at the time when XXXX XXXX managed the office there. My child was sick and so was I from this. There was no instillation when they gutted and I saw rats. It was the worst place I have ever lived for a Section 8. I want this off my credit.. XXXX and XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, SC, XXXX phone # XXXX Account number : XXXX opened XXXX. I spoke with XXXX on XXXX. I explained to her my homeless situation and not receiving my mail. She said she can not remove it from my credit. I would like the negative information taken off my credit file and to make payments on this bill that I can afford. In summary, I feel that I am being discriminated against concerning my student loans. Also, I feel that these companies should understand my homeless situation and how the credit file affects whether you can find housing for your family. I plan to repay them on terms I can afford but right now I am in survival mode. Companies need to be understanding of this and not so cold hearted.
Company Response:
State: LA
Zip: 70001
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I need my XXXX for my student loan. I checked the Federal Student Aid site and it was not there. I emailed them and they said check with my servicer. My servicer said to check with FSA. I just need the XXXX and apparently neither one has it.
Company Response:
State: AL
Zip: 35603
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A debt on my credit report is abuse, deceit and unfair debt collection practice. This debt on my credit report has caused me to get denied certain necessities in life ( XXXX. Home, employment, car ). While checking my credit report I noticed that you all furnished an account on my credit report without my consent which has cause to get denied for multiple necessities in life ( XXXX. Home, employment, car ). There are laws in place to prevent your company from furnishing information on a consumers report. 15 USC 1692a ( 2 ) states ; the term " communication '' means the conveying of information regarding a debt directly or indirectly to ANY person through any medium. Therefore, furnishing of the consumer report ( giving information regarding the alleged debt ) by your company is " communication '' as stated by the Fair Debt Collection Practices Act ( FDCPA ) As my rights state per 15 USC 1692c ( C ) I'm giving you formal notice to stop any further communications regarding this account immediately. This includes but is not limited to Consumer reporting Agencies ( XXXX, XXXX, and XXXX ) Please do not respond saying you are not governing by FDCPA or you are exempt. You are in fact a " debt collector ''. 15 USC 1692 ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. REMOVE ACCOUNT ( s ) IMMEDIATELY
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Dept of EducationXXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late payment for any purpose.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Failed to send paper statements when requested. Customer service giving misinformation including lying about contacting us about late payment. Auto payment system says it is set up when it is not. Reporting derogatory to credit bureau without contact. Saying they cant take off derogatory because they followed their proper procedures when they did not. XXXX XXXXXXXX
Company Response:
State: MN
Zip: 55044
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
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'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Company Response:
State: DE
Zip: 19973
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A