Date Received: 2022-10-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Contacted Nelnet on XX/XX/2022 to get a refund on student loans. Was transferred between departments and was not able to get a refund. XX/XX/2022 contacted again to get refund and loans reinstated and was told I would get confirmation via email or call in approximately 5 business days. Today XX/XX/2022 I have not heard of a response from Nelnet about my refund being accepted or denied. I was told it would take 4-6 weeks from when the refund would be approved to get my refund check as well. It is now 4 weeks and have not heard back of the initial pending refund.
Company Response:
State: AR
Zip: 729XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I refinanced my student loans during the CARES AcXXXX. I consolidated my XXXX Loans from my XXXX XXXX XXXX, Great Lakes, with the help of my refinancing lender, XXXX. This refinancing payment was made on XX/XX/2022 for {$28000.00}. With the announcement of the Biden Forgiveness Program ( XXXX XXXX XXXX ), I wanted to see if there was any possible way to get my money refunded even though it was no longer federal and heard from many others who refinanced during the CARES Act that they were able to get their refinancing payment refunded as it states that you will are eligible for a refund on ANY voluntary payments made during the pandemic, I simply needed to contact my servicer. Since I had a XXXX XXXX, I was eligible for {$20000.00}, so I gave Great Lakes a call to request the refund. They said they had to get it approved by the Department of Education and in a couple of weeks I got a call back from Great Lakes saying it was declined because the payments were made by a " 3rd Party. '' The only wording kind of close to what they are saying is that " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. ", but it doesn't state that you won't/ca n't receive the refund, simply that no matter who paid it, if you request it, you will receive it. This shouldn't be an issue as I have personal accounts of many other people who were able to get their federal loans refunded/reinstated even though they refinanced AND my refinancer, XXXX, has said they would be willing to do a group call with Great Lakes to make the request if need be. Both Great Lakes and/or the Department of Education are not providing the services that they say are allowed as I meet all criteria and know many others in identical situations that were given their refund.
Company Response:
State: MO
Zip: 63123
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I initially made a call to Nelnet requesting a refund on XX/XX/XXXX, and was told I would receive an update within a weeks, and if not to call back for a follow up. I called again XXXX and they mentioned that it was still processing, and would receive an update shortly. I called once more XX/XX/XXXX and XXXX for an update and was given even more unsure answers after and they were not able to send an email for confirmation. The dates given during the call were random, so I'm not super sure if it really went into processing. I have seen multiple people who have requested a refund way after I have receive their refund and have their balances reinstated, so I'm just concerned about what the status of mine is, since there have been no follow up contact on their side with updates. It's just me calling every other week to get a standard cookie cutter answer, so I am a bit frustrated although I know they too are swamped with calls. ( And of course, I want my balance reinstated and my check refunds mailed )
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Was told my account would stay current with no missed payments while I was under the forbearance, but they still reported missed payments.
Company Response:
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I called Great Lakes on XX/XX/XXXX requesting a refund on payments sent during the COVID pause. I was given a 20 business day lead time for the balance to be received back to my account. On XX/XX/XXXX, I called once again after I still did not receive my refund. They could not give me any information and gave a vague " any day now ''.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Creditors reporting false information to credit bureaus. 1.The following accounts report false information to all three credit bureaus. XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Take a look at year XXXX they reported to XXXX the account as paid on time from months XXXX, but they reported it as c/o with XXXX. In year XXXX it was reported paid on time in XXXX but with XXXX it was reported as a c/o. 2.The following accounts report false information to all three credit bureaus. XXXX XXXX OF XXXX Account XXXX Remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain it has three different last activity dates. Also in XX/XX/XXXX its reported as 90days lates but the month before says paid on time. Its impossible to be 90days late if it was paid on time a month before. XXXX following accounts report false information to all three credit bureaus. XXXX XXXX Account Number : XXXX remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Also with transunion it stated account was close due to transfer yet its still reporting payment after year XXXX with XXXX. Also in year XXXX it says 90 days late in XXXX but the month before says paid on time. Its impossible to be 90days late a month after it says it was paid on time.
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Requested a refund for payments made during forbearance period in order to prepare for the upcoming loan forgiveness program. I fully understand that they are probably inundated with requests but it's been very hard to plan with the very vague timeline that they provided ; I'm hoping that submitting a complaint will help to expedite the process.
Company Response:
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act these creditors have violated my rights. Under 15 USC 1681 Section 6 o 2 states I have the right to privacy. 15 USC 1681 Section 6 o 4a Section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: LA
Zip: 70663
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Great Lakes Educational Loan Services failed to validate debts they are claiming a Natural Living Man owes pursuant to 15 U.S.C. 1692g-validation of debts. A woman by the name XXXX sent XXXX as the Natural Living Man an email with document that has false and misleading information and representation pursuant to 15 U.S.C. 1692e which has no wet ink signature therefore she's making false claims that they loan me something which can not be proven. XXXX never attended XXXX XXXX university for any debt to be validated as such and she failed that any loan were placed directly in my hands and not transferred by digits into the hands of someone else which would apply to University XXXX XXXX as well. Who is the holder in due course of the security which was purchased by the back and where are the disclosure if such debt were valid? who transferred or gave something of value because banks don't lend money, they purchase security instruments which they monetize off of by selling on the New York XXXX XXXX with Securities and Exchange Commission, investors and insurance companies. Names are registered on paper so who would XXXX be referring to the birth certificate instrument or the social security card name and account and how are they along with the consumer reporting agencies able to get away with identity theft. I have the recordings on XX/XX/2022 of an employee of Great Lakes failing to validate the debt and he also failed to transfer the call to XXXX since XXXX is the one who's making claims that a Natural Living Man who's dominion is his birthright owes such frivolous debt. Only the United States are obligated to pay debts because they haven't paid back the Lawful Money they owe The XXXX XXXX in which We the Original Inhabitants on our landmass. Unalienable rights of inheritance can not be taxed and its the corporations who owe its debts to The Lawful Man of Nature. If Great Lakes purchased security instruments and/or debts with promissory notes that means they owe the Natural Living Man back all the credits because he exchanged something of value, so what did Great Lakes exchange of value and if we're talking federal reserve notes given in exchange for an asset than the intrinsic value is XXXX. Other Violations include 15 U.S.C. 1681 ( a ) ( 4 ) -rights to privacy, 15 U.S.C 1681 ( b ) ( e ) false information, 15 U.S.C . 1681 ( b ) did not use manner which fair and equitable to the consumer in reporting negative allegations without written permission, 15 U.S.C. 1681 ( a ) ( 2 ) need written permission, Unjust Enrichment, Aggravated Identity Theft pursuant to 18 U.S.C. 1028a, 15 U.S.C. 1692f-Unfair practices, defamation of character, 15 U.S.C. 1681n-civil liability for willful noncompliance, 15 U.S.C. 1611-civil liability for willful and knowing violation, 15 U.S.C. 1640 civil liability and 15 U.S.C. 1641 liability of assignee, willfully extortionate of extension of credit 18 U.S.C 894. Not only did XXXX implement false and misleading information pursuant to 18 U.S.C. 1001 stating that they are not debt collectors under the Fair Debt Collection Practices Act but the financial institutions XXXX, XXXX and XXXX are responsible for aiding and abetting in crimes being committed but those making false claims without providing proof. Where's the offer that Great Lakes made with the Natural Living Man yet they willfully failed to fulfill now they're attempting to charge that Man. Great Lakes is willfully engaging in unjust enrichment because they failed to disclose that they received consideration for the consumer credit transaction and misrepresented the transaction. They willing and knowingly requested payments, threatened and harass the Natural Living Man to damage his personal and professional reputation which caused mental anguish, XXXX and XXXX all behind an alleged debt especially if they received consideration!.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: The method of how Nelnet is handling refund requests has no structure. Please see the below timeline : XXXX called Nelnet to request a refund for my payments. I was told the request was submitted and I would receive an email or a call about the status. XXXX or XXXX called again and spoke to a Rep that gave me general information and stated the the department thats processing the refunds arent taking calls, but I would probably receive an email. XXXX submitted an email, but received an automatic response stating it would take them 5 days to respond, so I decided to call later on that day. XXXX called Nelnet and was told my refund request is in the system, but due to the volume, it would take XXXX weeks to process now. XXXX received an email response stating they need additional information to review my account. XXXX decided to provide them with the information needed to look deeper into my request.
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A