Date Received: 2022-06-18
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: Good afternoon, The account is in deferment until XX/XX/2026, but the credit bureaus : XXXX and XXXX keep reporting it back as open. I would like this to be properly reported as deferred and not open. Thank you. I have included the deferment letter.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My federal student loans ( XXXX ) were recently transferred from my one servicer to another. My loans were transferred from Great Lakes ( ID XXXX ) to Nelnet ( Acct. XXXX ). On XX/XX/XXXX I received an email from Great Lakes notifying me of the transfer effective XX/XX/XXXX. On XX/XX/XXXX I received a similar email from the XXXX XXXX XXXXXXXX. On XX/XX/XXXX I attempted to set up my account on Nelnet & the website would not allow an account set up. On XX/XX/XXXX I attempted to chat & phone Nelnet but was unable to reach an agent. The messages that I received in response to my attempts to phone or chat with Nelnet indicated that I did not have an existing account. On XX/XX/XXXX I again attempted to contact Nelnet by phone & was able to reach XXXX who informed me I should be able to set up my Nelnet online account around XX/XX/XXXX. Today, XX/XX/XXXX, I set up my Nelnet account & discovered that none of my payment history with Nelnet transferred from Great Lakes, but, of course, all payment due information did transfer. I signed into my former Great Lakes account to discover the same. None of the payment history was available, but the original balances, prior to any of my payments, were visiable. I chatted with Great Lakes today, XX/XX/XXXX, & was told I would have to reach out to Nelnet for the XXXXXXXX XXXX XXXX to receive a record of my payment history. The Great Lakes agent was able to see my payment history but because it was " greyed out '' she was unable to send the record to me. I then chatted with Nelnet who could not explain why the payment history is not visible. I was also told that the Great Lakes payment history will never show on my Nelnet account but the agent agreed to email me a record of the payment history within 20 minutes. If both servicers have instant, visible access to my payment history, why don't I have the same ability? I have not yet received that email. It is not acceptable to me that a loan transfer to a different servicer results in the disappearance & unavailabiity of payment history on the online website of both servicers. I keep good records, including my payment history, but what if my servicer 's records differ from mine? Payment history is critical information that should be available at all times to all borrowers. I want to receive a copy of my payment history promptly & I want my entire payment history, including payments made to Great Lakes, to be visible on the Nelnet account. I have attached a copy of my chats today with both servicers.
Company Response:
State: MI
Zip: 49423
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX University, and it was closed XX/XX/2017. However, upon speaking with XXXX University 's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. Additionally, Great Lakes was contacted and provided proof that there is a {$0.00} balance.
Company Response:
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account balances with Nelnet were reduced to XXXX due to the government and the class action on schools who defrauded customers. They have partially removed some of the balances however they still are showing 2 accounts with balances that should be XXXX. I have attempted to contact them multiple times to only get a run around. I have also prior to the Load discharge, had filed bankruptcy which the loans were listed, they also refused to acknowledge this.
Company Response:
State: MO
Zip: 63640
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Signed up for fasfa and I have a open loan of XXXX for XXXX XXXX that I never signed for. I don't know if I am listed as a co signer but I did not agree to have my credit used
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1.I have never had an account with this company XXXX from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1.I have never had an account with this company NELNET from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are NELNET the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX XXXX XXXX from Great lakes for {$5000.00} on XX/XX/XXXX XXXX dispersed for {$2400.00} on XX/XX/XXXX XXXX twice I only received it once and another XXXX XXXX XXXX was taken out on XX/XX/XXXX XXXX for {$6000.00} dispersed XXXX for {$280.00} and another on XXXX XXXX XXXX for {$2800.00} my father only signed the XXXX for {$5000.00} I never received that full amount to {$5000.00} for the first XXXX and I never seen any of the {$6000.00} XXXX. My parents had paid off the loan in XXXX on XX/XX/XXXX and that is when I discovered how much they had been paying on this since XXXX and then we looked more into it and we seen this
Company Response:
State: IA
Zip: 521XX
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Department Of EducationXXXX Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Nebraska XXXX XXXX To : The Office of Registered Agent forNelnet XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority torepresentthat you andNelnet XXXX XXXX XXXX LLCareauthorized to administrate ( acting trustee ) on theXXXX XXXX XXXX XXXX together with a certified copies of signatures contract betweenyou andXXXX XXXX XXXX XXXX you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passingXXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon theXXXX XXXX XXXX, Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806.Harassment and abuse 807.False or misleading representations 808.Unfair practices 809.Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages.Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My original loan was with XXXX XXXX as a private student loan. Sometime in XXXX it was sold to Firstmark Services a Nelnet company. I've made consistent on time payments to XXXX XXXX and now Firstmark since XXXX. They now told me my XXXX payment due XX/XX/XXXX, I'm behind on my loan and it was reamortized raising my monthly payment. I've never had a loan where you are suddenly behind on the balance causing payments to balloon when it was set up as a fixed amount per month. Its a variable rate loan, but that has always adjusted slowly and I made the new payment shown on my statement. So I dont understand how I'm suddenly so far behind that they raise the payment {$35.00} per month. I suspect something shady is going on with this new servicer and I've never heard good things about nelnet. The customer service rep said this was normal despite me saying reamortizing a loan suddenly is not something my 50+loans in my life I've ever seen. She said there was nothing I could do, and nobody else I could talk to and they didn't have a complaint line or ombudsman. There was no notification or anything that this was happening until I received my statement a week ago.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A