Date Received: 2022-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my right 15 UCS 1681 Section 602 States i have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Company Response:
State: GA
Zip: 31406
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have XXXX student loans with Firstmark Loan Servicing. XXXX loan is on automatic bill pay the other is not. The loan that is not on this service I do not receive statements for or any type of notification of payments due. I would have to log in to read any messages. No communication is sent by mail, phone, or email. Anyway, because of this coupled with some of my loans being under COVID forbearance I did not realize my loan payment was due and incurring monthly late charges and negative affecting my credit score. I paid my outstanding balance.
Company Response:
State: CA
Zip: 95776
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Nelnet reported to all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out with the use of my social security number ; however my name is not on the contract. The references on the contract are not my relatives. My name and my signature are not on the contract. Nelnet refused to provide the original contract to me for over two years ; however continued to tarnish my name and credit score with false and fraudulent reports to all credit bureaus. Nelnet reported my name and information to several third parties without written consent to share my personal and private information showing their illegal practice. I have filed multiple police reports in which Nelnet has ignored. The police know the individual that applied for this loan in my name and Nelnet will not respond, they continue to fraudulently report my information to third parties. Nelnet has information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. This fraudulent loan has caused significant hardship, including killing my buying power and tarnishing my name and credit score. I was unable to purchase my home because of the FRAUDULENT loan. Nelnet is reporting payments being made that I never made on this fraudulent loan along with other false information ( false names, address, phone number ) that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof. Nelnet is engaging in illegal practices that need to be stopped immediately.
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I went to XXXX XXXX graduated from there in the year 2011. I haven't gone back to school anywhere else, and my degree is worthless. So I want my loan off my credit report.
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Nelnet # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.
Company Response:
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
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 company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
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: I have XXXX fraudulent student loans opened under my name when my house got burgularized in XXXX. The student loans were opened in XX/XX/XXXX by Nelnet/education financial. I have the police report and court documents with the person that took my information. I have tried to dispute the account through the credit bureaus several times but they keep coming back saying it has been verified...
Company Response:
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I disputed the payment status of my loans through Nelnet because they show 90 days late in XX/XX/2022 and 120 days late in XX/XX/2022 but my loans were in deferment effective XX/XX/2022. After my dispute these loans are still showing with late payments.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: The only student loans that I took out was when I was going to XXXX XXXX XXXX XXXX, which was after I was finished with XXXX XXXX XXXX. in XXXX my brother XXXX XXXX XXXX must have been the person who took out {$3500.00} in my name with about {$3500.00} in interest. He took the loan out at XXXX and I don't think I was taking classes at XXXX at the time that he took out the loan. The loans that I did take out was 3 of them for {$3500.00} = {$10000.00} The Principal Balance of my consolidated loans is {$21000.00} Somebody took a total of {$10000.00} in student loans in my name and I'm XXXX. My Great Grandpa XXXX XXXX is on the XXXX Quarter, same as my Great Grandpa XXXX XXXX which makes me a XXXX. Get it. I just talked to XXXX XXXX at XXXX Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am writing to ( 1 ) file a Complaint against Nelnet for improperly processing an auto-debit payment of {$120.00} on XX/XX/2022, while my Nelnet account XXXX No. [ REDACTED ] ) was in a brief forbearance pending consolidation to XXXX XXXX and ( 2 ) document my Request for a refund of {$120.00} to resolve the Complaint, which has been outstanding since XX/XX/2022, and can be accomplished consistent with the instructions provided by XXXX XXXX to Nelnet during a three-way phone call on XX/XX/2022. Specifically : Nelnet failed to stop the XX/XX/2022, payment of {$120.00} from debiting from my bank account after I placed my Nelnet account containing one XXXX loan in a brief forbearance due to a pending Direct Loan Consolidation to XXXX XXXX. The consolidation is required to benefit from Public Service Loan Forgiveness ( PSLF ) under the Limited Waiver. Because I expect to receive full forgiveness under PSLF I am well above the XXXX qualifying payments required it made no sense for me to pay the XX/XX/2022, payment when it could be paid off by instead first by the pending consolidation and then forgiveness under PSLF. As detailed in the attached XXXX, Nelnets failure to stop the auto-debit was done in contravention of numerous statements Nelnet made to me both orally and in the plain language written on their website regarding forbearance and auto-debit which make clear that forbearance stops auto-debits from occurring. Nelnet continues to promise and only to then later refuse to issue me a refund of {$120.00} for the XX/XX/2022, payment that was improperly debited from my bank account during forbearance. As detailed in the attached Chronology, I have made diligent, repeated requests to Nelnet, beginning on XX/XX/2022, to process a refund. Despite multiple assurances that Nelnet would process the refund request, repeated assurances that a refund could be issued to me even after the new consolidation loan paid off the loan serviced by Nelnet, and supervisor authorization ( including following a triple escalation on XX/XX/2022 ) and assurances of the above points, Nelnet has intentionally delayed processing the requests and given various excuses for denying issuance of the refund to me. Although Nelnet is now saying that it can not process the refund despite Nelnets errors because the loan has been paid off, the truth is that servicer-to-servicer adjustments can be made months or even years after a loan has closed, a fact confirmed by multiple Nelnet representatives as well XXXX XXXX XXXX. Nelnet has engaged in predatory bait-and-switch practices that are deceptive and contrary to my best interest as a borrower. Nelnet has repeatedly used tactics that are harassing, dishonest, unethical, and seem intentionally designed to delay and frustrate me as the borrower into giving up so that Nelnet does not have to process a refund despite it having zero impact on their bottom line other than wasting their employees time in an amount that far exceeds the amount of the refund at issue or ensuring that the underlying loan is paid. It has been extremely time-consuming, exhausting, and absolutely maddening for me attempt to resolve this simple matter. Moreover, Nelnet deliberately making this process painful is contrary to the intent of a forbearance, which is not to create a new issue for a borrower. The Chronology in Exhibit A of the attached letter provides a detailed account of Nelnets unscrupulous tactics.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A