Date Received: 2022-09-16
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I called my loan servicer on XX/XX/2022 to refund payments that I made during the Covid-19 forbearance. These payments total {$26000.00}. Since then, I have not received any confirmation about his request, and have also called and emailed the company. Moreover, about {$1000.00} of the refund payments are from a checking account that is no longer. I've repetitively contacted the servicer, but have not received a refund check, an updated balance, nor much information.
Company Response:
State: CA
Zip: 95864
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I requested a refund of {$10000.00} in payments from my loan servicer, Nelnet on XXXX XX/XX/XXXX. I was then told I needed to resubmit my request to refund the {$10000.00} in payments on XX/XX/XXXX. I have been given no timeline on receiving the {$10000.00} refund of the payments made in XXXX.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have a loan serviced by XXXX in the amount of ( balance ) {$52000.00}, Account # XXXX. About two months ago, I sent in the required forms and paperwork for discharge because the XXXX XXXX XXXX XXXX deemed me 100 % XXXX ( Permanent and Total ). Today, I received correspondence that I had to provide evidence of a name change because the name NELNET and XXXX has on file do not match. The document states that I need to provide evidence in the form of certain listed acceptable documents for a First Name Change, or other certain listed documents for a last name change. Because the document did not specify the discrepancy, I called XXXX and spoke to a Rep who could only note that NELNET had XXXX XXXX XXXX XXXX XXXX 's listed name as XXXX XXXX. XXXX is not a first or last name, it is a suffix. I have not had a name change and do not know what they're talking about. I loaded the documents into the XXXX system, but fear this is a game they are playing to make student loan discharge just that much more difficult. They have accepted over {$50000.00} in loan payments from me with this so-called discrepancy, but now that I've put in the proper paperwork for discharge it's suddenly a problem and they don't know who I am? I'm asking that they look deeper into this, let me know what the first or last name discrepancy is, and expedite my discharge. The XXXX rep saw no discrepancy with the first or last name as seen in their records.
Company Response:
State: MA
Zip: 01040
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In accordance with the fair credit reporting act according to account # XXXX, has violated my rights. 5 U.S.C. 1681 section 602 A.States that i have a right to privacy. 5 U.S.C. 1681 section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account with out my written instructions. 5 U.S.C. 1666B : A creditor may not treat a payment under a credit card account an open end consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is an issue that I have attempted to get resolved since the early XXXX 's ( XXXX up until today ) The company " Nel Net '' which services many student loans. Consistently reports my student loans as 90 day late. The two issue with that reporting ...... # 1 My loans were moved to new net ( supportive doc will be provided ) the previous company did not pick up that the loan had been moved therefore co n't to bill the old account thus counting it as late. # 2 This 90 day late date continue to be moved forward to make them appear as resent. ( documentation to support will be attached # 3 Because Nel Net report the student loan as several units instead of as one loan ( each quarter as money is disburse ) there will be 6-7 negative repots which will show as 25 % of my report # 4 Nel Net has removed the late from record showing paid without late, yet the next 6month that false reporting will return back to my credit report What I have done to bring resolution from XXXX # 1 I have report this to all the credit reporting agencies ( XXXX, XXXX, XXXX XXXX ) ... sending the supportive document, of which I will be sending which I will be attaching to this report as well. Please pay attention the things circles to follow the time line of the manipulation of my credit report What I want Permanent correction of my credit report. All Student loan reporting done by ANY servicing company be reported as one loan Possible class action suit How have I been harmed There have been years where I have been turned down for credit and or paid a higher interest rate over decades that I should not have had to suffer.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am demanding that Nelnet remove the student loan from my consumer report immediately. According to these loans being obtained 10 to 20 years ago, I was uninformed and coerced, as per 15 usc 6802, no one sat down with me and made things clear and conspicuous about the private policy and that I had the right to opt out to sharing my non-public personal information with non-affiliated third parties. Right there is a breach in the consumer credit transaction. This make this whole transaction null and void. By law that was suppose to be disclose to me and it wasn't. When I began studying consumer laws in XXXX of 2022, I notice that Nelnet/department of education been in violation for reporting to the credit bureaus my non public personal information, and according to the FTC this is what they define as non-public personal information XXXX NPI is XXXX any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or any information you get about an individual in connection with providing a financial product or service ( for example, information from court records or from a consumer report ). NPI does not include information that you have a reasonable basis to believe is lawfully made " publicly available. '' In other words, information is not NPI when you have taken steps to determine : that the information is generally made lawfully available to the public ; and that the individual can direct that it not be made public and has not done so. Consumer credit transaction by law shall be private, and I have the right to privacy as per 15 usc 1681 ( a ) ( 4 ) I demanded an election form from Nelnet that should have been given to me the first day I established a relationship with them while obtaining these loans and every year after that as long as I am a customer. I opted out on the form demanding that they stop sharing, reporting my information to non-affiliated third parties that offers educational and financial services. The consumer reporting agencies had no affiliation to Nelnet. when you look at Nelnet website you see all their affiliated companies but not the credit bureaus. The credit bureaus are also considered to be a company that offers financial services and products according to ftc and the bank holding company act. They engage in activities of financial nature for profit. According to 12 CFR 225.28 ( a ) ( b ) ( 5 ) the credit bureaus are so closely related to banks because of the financial activities they engage in. credit bureaus are known to be a financial institution and I demanding that they remove these students loans off my consumer file. my next step is arbitration. I have the right to privacy and I have opted out for my information with Nelnet not to be reported or shared with the credit bureaus or anyone else. And again Nelnet violated my rights for not letting me know about the privacy act and sharing my information that's fraud and breach the whole transaction. null and voided
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hard Inquiries : 1- XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. Trying to open small business bank account. I did not authorize a credit check and did not open a small business account. 2- DEPARTMENT OF EDUCATION- was told I had to pay for class or I could not attended the school. Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX was told I had to pay for class or I could not attended the school. Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX - I did not get a vehicle. Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX -I did not get a vehicle. Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX- I am not familiar. please remove. Inquiry : XXXX XXXX, XXXX + XXXX XXXX- I did not provide my information. please remove. Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- I did not provide my information. please remove. Reported : XXXX XXXX, XXXX I would like all inquire stated above, removed off of my credit. - Thank you.
Company Response:
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello, Per the CAREs act I submitted a refund request for payments done after XX/XX/XXXX to Great Lakes on XX/XX/XXXX. While the payment went through initially, I was called a couple of days later by a rep stating that since some of the payments had been done from a third-party they were not able to issue a refund. I contacted the Federal Student Aid office and they told me that Great Lakes is required to refund me the total amount even if the payment was done by a third party. They asked me to share with them the following Q & A ( Attached ) : Important part ( " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. '' ) https : //studentaid.gov/debt-relief-announcement/one-time-cancellation
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: When my student loans were serviced by Great Lakes, I tried to apply for Loan Forgiveness for XXXX workers employed by not for profit companies. I was told that these requests were rarely approved and that I would still need to make regular payments as scheduled. I was on a graduated repayment plan and not instructed that I needed to enroll in an income based repayment plan to qualify. In order to circumvent the 6.55-6.8 % interest I had on each of my 3 loans, I refinanced my house and used the equity to pay off my loans with Great Lakes in XXXX in the amount of {$83000.00}. I have been employed with the same not for profit company for over 11 years and would have now qualified for loan forgiveness had the lender adequately explained my repayment options and eligibility.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I had paid off over XXXX XXXX dollars worth of student debt in XXXX of XXXX. Fast forward several months, and Biden announces student loan forgiveness. I meet the qualifications for said debt relief as I continued to make payments during the moratorium. I called my student loan provider, Great Lakes, and requested a refund of XXXX XXXX dollars the day after the student loan forgiveness announcement on XX/XX/XXXX. I was told I would have an email sent to me with the reference number for my request by the first customer service rep. After calling back when no email appeared, I was told no such reference number exists, and they would not provide any proof of confirmation of my request. I spoke to a manager who said the same thing. They told me it would take up to 30 days to process the request. I call back again today, XX/XX/XXXX, and ask about the status of my refund request. No updates are available at this time, and I am told the refund could now take up to 60 to 90 days to process. I want my refund so I can request debt forgiveness when the application becomes available. I understand many people are requesting such refunds and there is high volume of customer traffic. In two to three months ( which they now have warned me how long the refund will take ), it will nearly be XXXX and my window of opportunity will be closed. I worked hard and sacrificed much to pay off my debt entirely during the moratorium. I make less than XXXX but paid off over {$65000.00} in private and government loans during the moratorium. I want to take advantage of the opportunity for some debt relief.
Company Response:
State: AR
Zip: 72701
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A