Date Received: 2022-06-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On my credit report these is an account with the United States Department of Education with a balance of {$1.00}, XXXX. This account is attached to the XXXX XXXX XXXX in which they agreed to remove from my credit file as they as under investigation for multiple things. Also, it is reporting as delinquent and the DOE said they only reported this account twice
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE A STUDENT REPPORTIG ON MY CREDIT REPORT THAT I DO NOT OWN AND I NEEDS TO BE REMOVED IMMEDIATELY.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My account is being reported 90 days late as of XX/XX/XXXX & XX/XX/XXXX, and 120 days late as of XX/XX/XXXX. This is inaccurate. I believed during those times that my account was in an XXXX XXXX plan requiring a {$0.00} payment. There has been an ongoing problem for YEARS with Nelnet failing to process my XXXX applications, at all. In fact, I just went through dealing with this issue for the past year & half with Nelnet, filing complaint after complaint & making call after call to determine the status of my XXXX to no avail, until finally, I spoke with Supervisor XXXX XXXX, who FINALLY found someone to process my application. My account was with another provider prior to being transferred to Nelnet. I NEVER asked for my account to become private & I would like for it to once again become a federal government-managed account. My account became delinquent in the midst of these various transfers, through no fault of my own. I need Nelnet to remove the late payment history. My note to Supervisor XXXX XXXX : One thing we're overlooking here is that my account was with Great Lakes prior to XXXX. Delving a bit further, I had initially established contact & an online profile with Nelnet for the first time in XXXX of XXXX ( see attached e-mail ). Lastly, the date & time of when exactly Nelnet assumed responsibility for my Great Lakes account is unbeknownst to me & in the confusion of that, I believe that my account became delinquent. I've attached two messages below from Great Lakes that show that my Forbearance had been approved as late as XXXX, but in the confusion of the account transfer, my account status with either company at the time of the migration was never properly communicated to me. It is my understanding that the account was in either an existing Forbearance with Great Lakes or an XXXX with Nelnet. Please give me the benefit of the doubt. SECOND MESSAGE TO XXXX XXXX, AFTER HE FAILED TO PROVIDE RECOURSE AND DIRECTED ME TO WRITE A LETTER TO NELNET : This is unacceptable. Your refusal to clear this late-payment history, although I've provided an account as to why & how that occurred, is preventing me from obtaining consolidation loans & from transferring my account to other service providers. You are making my account & experiences with Nelnet punitive in nature when that should not be the scope of our relationship, and that is not your purview to do so. Again, your stonewalling treatment of me is also unacceptable. I never asked to have my account transferred to Nelnet, nor was my permission, knowledge, or consent sought prior to the transfer. I demand better treatment & to not be treated with disdain, difficulty, and suspicion, nor to have my credit ruined because of Nelnet 's difficult nature. This type of customer service is precisely why I do not want to do business with Nelnet at the conclusion of my deferment. Is there anyone else that I can speak to or communicate with above you & up your chain of command that has the ability to render a correct & favorable verdict here in removing the late-payment history, or do I have to file a complaint with the CPFB?
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: As of XX/XX/XXXX DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Still is reporting 12 open accounts, all 12 are reporting inaccurate various LATE/ MISSED Payments from XXXX & XXXX inconsistent dates on all three credit bureaus, that is a total of 72 payments reflecting. I have attempted multiple times to reach out directly and have these payments updated to accurately represent my credit worthiness with no changes even after consolidating my federal loans. I am asking for help to have my credit report fairly represent me as a consumer, to promptly remove these inaccuracies. These student loans are listed multiple times on my credit report. This single debt shows up as several accounts, it is significantly impacting my debt-to-income ( DTI ) ratio and affecting my ability to qualify for other forms of credit, including a home loan to provide my children a new permeant and stabile home life.
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi, I XXXX XXXX mailed out on XX/XX/XXXX, XXXX XX/XX/2022 and XX/XX/2022 correspondences to Great Lakes Educational Loan services via certified with return label pertaining to the student loan debt listed on my credit report across all 3 bureaus. XXXX listed one of my student loans as charged-off and US Dept of Education is not responding in which the servicer Great Lakes is acting on their behalf as they serviced the loan. It's to my understanding I asked this company for the original instrument of indebtedness in return for full payment of these loans in which I will attach below. Till this day XX/XX/2022 I have not seen the requested documentation I have requested in direct and immediate exchange in which if they are able to provide this I will accept payment in direct and they have failed to provide anything pertaining to this document or speak about this in exchanges between us.
Company Response:
State: PA
Zip: 187XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed out on XX/XX/XXXX and received no response from department XXXXf education/ Nelnet in which I followed up on XX/XX/XXXX via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX and XX/XX/XXXX in which there still has been no response and it is XX/XX/XXXX. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed out on XX/XX/22 to Department of Education/NELN via certified mail asking for the original instrument of indebtedness in original form for the current student loan on my credit report in which they received it on XX/XX/22 and I sent a follow up on XX/XX/22 to which I received no response. They received my XX/XX/22 letter on XX/XX/22 and now its going on about 40 days since the second letter 60+ days since the first letter and I have yet to receive a response from this student loan company. It is to my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did no response within the allotted 30 day time period.
Company Response:
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My loan servicer, Nelnet, changed the interest rate on my fixed student loan without any justification or prior notification and without any wrongdoing on my part. I have contacted them several times since XX/XX/XXXX asking for them to investigate and correct, but they have not. My loans and account were opened with them ( # XXXX ) in XXXX. Since that point, the interest rate has been 0.375 % fixed. As recently as the XX/XX/XXXX statement, the interest rate shown was 0.375 %. Then, suddenly and without any notice or wrongdoing on my part, Nelnet generated a statement on XX/XX/XXXX that drastically increased the interest rate to 2.000 %. This account has been on auto-debit for years and no changes have been made. All payments have been made timely ( e.g. {$190.00} via auto debit on XX/XX/XXXX, {$190.00} auto debit on XX/XX/XXXX, {$210.00} auto debit on XX/XX/XXXX, etc. ). Nelnet has provided no justification or reason for increasing the rate. This is in breach of the terms of the loan agreement and is a fraudulent change.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATION/NELN since XX/XX/XXXX ... there is an error on my XXXX and XXXX credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATION/NELN under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/2022 U.S. DEPARTMENT OF EDUCATION/NELNET received an EFT/ACH payment . Confirmation Number was received and confirmed on date, XX/XX/2022, of respective payment was made to the U.S. DEPARTMENT OF EDUCATION/NELNET in the amount of {$16000.00}. Furthermore, U.S. DEPARTMENT OF EDUCATION/NELNET used my open ended credit plan in accordance to 16 C.F.R. 433.3 ( b ) ( 2 ) to furnish this account which furthermore proves they did not extend credit to me in regard to this alleged debt. Notice it is fact that I, the affiant am aware that the false character of the amount in debt is a violation of U.S Code 1692e ( 2 ) ( a ). Affiant has proof of this violation as the U.S. DEPARTMENT OF EDUCATION/NELNET alleges I owe a debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? Pursuant 18 U.S. Code 8 Obligation or other security of the United States. Notice in fact that affiant is aware that all obligations of debt is the responsibility of the United States. Please adjust this account to a XXXX balance with an alleged debt, If you can not provide all documentary evidence requested.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A