Date Received: 2022-07-24
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: NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT This complaint is being submitted due to " no '' response from XXXX XXXX mail XXXX and affidavit. I recently received a copy of my credit reported I see you have reported an account on all three major Consumer Reporting Agencies that I did not give you permission to report, NO PERMISSIBLE PURPOSE, you did not disclose to me that I can opt out of having my information reported, and I am writing you to EXERCISE THAT RIGHT. XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX It is my understanding that the reporting of these account is a violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I am writing in regard to the above-referenced account that was an authorization and approval of a specific extension of credit directly to me ( Student Loan ). According to the Fair Credit Reporting Act 15 USC 1681a 2 ( B ) this account is not included in a consumer report. You have reported this account to my consumer report which is a clear violation of the law. I Demand the deletion of this account from my consumer reports immediately. You are put on notice of the matter and the continuation of reporting this account after you have been put on notice will leave me no choice but to take legal action for willful noncompliance under the civil liability section of the FCRA 15 USC 1681n and the TILA 15 USC 1601. I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 00 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this sub-chapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information. ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a non-affiliated 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. DEPT OF EDUCATION/NELNET did not disclose this information to me that is required by federal law. DEPT OF EDUCATION/NELNET knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. DEPT OF EDUCATION/NELNET knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. DEPT OF EDUCATION request of truth in lending disclosures was never received 15 USC 1635a DISCLOSURES OF OBLIGORS RIGHT TO RESCIND. You are in violations of several federal laws and this account must be deleted from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. 15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX, or XXXX ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX of 2006, myself and my spouse were approached by XXXX XXXX to consolidate our student loans together to lower our monthly payment. These loans have been since sold to XXXX and now NelNet. In the master promissory note, it states that if we are unable to get on an income based repayment plan, that we can have our loan type changed to be able to access such a plan. This is clearly stated in the MPN. I have been denied several times now access to any IBR, and also denied turning my loan into Direct for the sake of moving to an income based repayment plan. This is a direct violation of my master promissory note.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
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: Nelnet is reporting incorrect late payments from multiple federal loans I have with them going back to 2016.
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XX/XX/2008 I went to the XXXX XXXX XXXX XXXX XXXX XXXX to talk to the financial advisors about enrolling in their program.. during my consultation I was strongly advised to register that day due to fees and admission exams being waved but they couldnt promise this if I decided to wait to enroll I was told that the financial aid wouldnt take long to apply for only 15min after explaining my credit was not good I was told no worries we can find a program to put you in I applied they told my I was awarded full pell and what my pell didnt cover I was awarded student loans only after the first term did they tell me that you miss a hr of a course you would time out and have to retake the class.. they then advised if you cant make it DONT come on the first day of the class because once you sit in the class and dont finish because you miss an hr you will have a failed grade they never said or explain they would charge twice for these classes if you choose to sit out so as to not get a failed grade after my first year I found a school in my area that was only {$5000.00} for the entire program I wanted to transfer but was informed that my entire cost of {$60000.00} for the school I was currently attending i would be still liable for even though I had 16mo left in the program.. which made me have to stay due to the financial strain once I graduated they told me I owed {$60000.00} I asked them how this was possible if I was awarded full pell.. I asked them to explain what my pell paid they refused to explain, told me I signed the contract, they stop returning or answering my calls and I have never been able to pay $ XXXX {$800.00} dollars a month since graduation this has kept me from getting a home, I have suffered in my relationship my mental health and financially since attendance of XXXX XXXX XXXX XXXX I would have never went if I knew I would have to pay the total amount of {$60000.00}
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In early XXXX of XXXX it's showed that my student loans were charged off with no debt and this caused my credit score to go up due to that. And mid XXXX of XXXX all of the student loans came back on my credit report but now it looks like I have XXXX accounts with different amounts of being paid and not paid this cost my credit score to go down XXXX points past that when it occurred.Also I was unaware and not notified of the US department of education switch of the names and this happening to my account.
Company Response:
State: WI
Zip: 53206
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I submitted an inquiry on my online banking. Someone else received the email. The email it went to is in no way associated with my account. This person received an email with my name, address, loan number, and phone number. The person who received the email called to inform they received the email.
Company Response:
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In XXXX, I first submitted an application for XXXX Loan Forgiveness. I have been XXXX for XXXX XXXX. My application was kicked back because my chief administrator wrote my end work date was XX/XX/2022 and Great Lakes wrote that a future date could not be listed. My superintendent filled it out again this time listing the current date & signing the current date. My application was kicked back again because Great Lakes argued I didnt complete section 3 about previous loan forgiveness. That was incorrect and I had the copy proving it was complete. I resubmitted it to Great Lakes with a note saying it was complete. Today, I spoke on the phone with a supervisor at Great Lakes after my application was denied a third time because The certifying officials signature date is before the end of the academic year this was exactly what Great Lakes asked them to do the first time they denied my application. I spoke with the supervisor nearly an hour. First he argued that my XXXX XXXX XXXX was this year XXXX We counted together on the phone XXXX, XXXX, XXXX, XXXX, XXXX is XXXX years. He agreed and put me on hold. Then, he told me the application was only accepted after XX/XX/XXXX. I asked where that was written in the document, he put me on hold. He came back after XXXX minutes and said its written on the Department of Education website that only XXXX years can be listed on the application, no more than that. I asked him to direct me to that on the website and he said okay it isnt written there its just a rule. I asked how that is a rule if it is not listed. He told me the only way my application could be accepted if it was resubmitted all over again.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Last Friday, XX/XX/2022, I received a phone called. The person said that they were with Dept. of Education and that I qualified for student loan forgiveness. Now, normally since I have an XXXX those type of phone calls comes up as " Scam Likely '' on the called ID. Also, I've received a phone call a couple of years ago and went through something similar. During that time, I was told that third party companies ARE NOT with Dept. of Education, so when I received this phone call stating that they WERE with Dept. of Education, I thought it was legit. They asked me a few questions and I answered. They then gave me a user name login for FSA and asked me to recite the code received to my phone. I thought it was weird, but I gave it to them anyway. Then, they transferred me over to another representative. As I'm on hold, I googled ways to know if I'm being scammed via FSA. And on the site it clearly states that Dept. of Education will not ask for your password and that if they had that information they could use it to sign documents without me knowing. So, when the new representative came on the phone, I asked him again if they were with Dept. of Education and he said no. So, I hung up. I didn't give them any payment information or paid any fee of any sort. But they did have my login information. I immediately changed my username and password and called my loan provider. That person stated that that's all I could at the time and that I was good. I received an email from Dept. of Education today, XX/XX/2022, about suspicious activity about a third party on my account. I called Nelnet again and they stated they don't see anything new or suspicious on their end, but to change my password just in case ( which I did ). I called FSA and the representatives told me that they don't see anything new or suspicious on my account either. But they did inform me to file a complaint here to have you all look into fraud or anything new for the future. I've also removed any saved payment account on Nelnet to ensure that these third party companies will not take any payments from me.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My serviced is Nelnet. They have told me that my account is past due, when logging on to their system, it says that my account is not due until XX/XX/XXXX. They said my IBR recertification has expired, but I have filled out 4 this year and have even use the IRS retrieval tool. I have certified that I dont need to file a tax return because I dont have taxable income. Im on a {$0.00} IBR payment schedule. When logging in, it says on my account that I am still in this program. I have also certified on student aid.gov and it says on there that Im not due for recertification until XX/XX/XXXX and that if I sent in another, it would not be verified. It says that Im current on the Nelnet online account as well, but they have reported me 90 days late on nine accounts to all three credit bureaus. I also am applying for PSLF loan forgiveness and IDR forgiveness because almost all of my loans are over 20 years old, and I was in different plans while in the military. I had applied for loan consolidation, but no one had any guidance or answers on how to deal with my situation, so the company told me to hold off on consolidating so that my loans would show how old they are. Ive waited and kept communicating trying to figure out what I should do, I have sent several emails to XXXX, Nelnet, and student aid.gov looking for guidance on how to deal with the situation. I understand that everyone is overwhelmed with the new rules, but reporting me late, when on their website it says I dont even have a payment due until XXXX is life ruining. It has dropped my credit XXXX points during a crucial time in my life while trying to refinance my home loan. I need this fixed ASAP. Im not late on my loan, and my payment would have been {$0.00} regardless, and Im also waiting for an answer on forgiveness in which I should not have to pay during that time according to the forms. Also, the system has informed me several times that interest and payment forbearance had been extended to XXXX as well. Im so confused and upset that they could do this and destroy my credit that I have spent the last 7 years building in order to get back on my feet. I am sending in another IBR application today via email and fax, but by all accounts, Im not due for it, or past due. Please help rectify the situation, and get them to remove this off my credit report, before they cause me to lose my house because I wont be able to refinance.
Company Response:
State: WI
Zip: 545XX
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A