Date Received: 2022-09-23
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Nelnet took over my student loans. Now it is not showing past payment history.
Company Response:
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called U.S Dept Of Education on XX/XX/XXXX due to seeing a conflicting report on my Credit from XXXX. I was advised that The 12 Loans were added together to make the total of {$27000.00}. dating back from XXXX to XXXX. These are not individual accounts. This loan is currently under the COVID Forbearance made by the U.S. Government and by The U.S. President. Per Great Lakes who is managing my Student loans. My account is in good standings. There was never any late payments on the account.
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet XXXX XXXX ( " Nelnet '' ), either through negligence or malice, has caused me damages as a result of their irreverent handling of tuition refunds. Specifically, Nelnet has made multiple mistakes that have resulted in an ACH transfer being reversed, as a result of this reversal my bank account is likely to be charged one or more overdraft fees. Worse, Nelnet has purposefully delayed a refund of {$930.00} dollars in an apparent attempt to ensure that I would be charged overdraft fees. Outrageously, Nelnet has reordered their ACH transactions to ensure that withdraws are processed before deposits. In detail, I have been owed a {$930.00} refund for over one week now. However, despite promising to provide a refund in a couple of days Nelnet has not even started the process of initiating a refund and has instead focused on withdrawing nearly {$4000.00} from my account in an out-of-order manner. If Nelnet has processed transactions in their logical chronological order wherein the {$930.00} refund was executed first then it is likely that the current torturous activity of Nelnet and resulting damages may have not occurred or been limited in scope.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have contacted Great Lakes twice to request a refund per the COVID refund guidelines for my Graduate Plus loans and was denied both times. The Student Aid website specifies the loan should be eligible for refund : " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Identity theft is the intentional use or possession or transfer or attempted use with fraudulent intent by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.
Company Response:
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
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: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate these accounts ( A ). I hope these disputed accounts are updated. DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00} Date XXXX : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 31
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: DEPTEDNELNET is reporting on my personal credit file with ( XXXX XXXX credit reporting agency XXXX This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. DEPTEDNELNET XXXX Balance : {$0.00} DEPTEDNELNET XXXX Balance : {$0.00} DEPTEDNELNET XXXX Balance : {$0.00} DEPTEDNELNET XXXX Balance : {$0.00}
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NELNET HAS BEEN USING MY REPORT WITH OUT PERMISSON This is grounds for removal and monetary relief immediately. My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period.
Company Response:
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I paid off my student loan XXXX XXXX. I did so by pulling equity out of my home. The total amount was {$20000.00}. After the Biden administration announced student loan forgiveness I contacted My Great Lakes XXXX XXXX requesting a refund for all payments made that qualified during the Cares Act. Today I logged into My Great Lakes and my balance went from {$0.00} after to {$20000.00}. I contacted My Great Lakes today to get an update on my refund. I was told that since the payment was made by a third party I was not eligible for a refund of payments made under the Cares Act.
Company Response:
State: AR
Zip: 726XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. I have not provided written consent to report nonpublic information to third parties. Consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX via third party reporting agencies who have no lawful standing for violating my rights to privacy.
Company Response:
State: FL
Zip: 32311
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A