Date Received: 2023-12-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Nelnet is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Nelnet the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX Nelnet, whether it be verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Nelnet has never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states, '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: TL , DR : I have been wanting to start auto-paying my student loans since XX/XX/XXXX and my student loan provider, Nelnet, is not allowing it while they capitalize interest on my account. It is my firm belief that Nelnet is being purposely unethical and predatory on my student loan account, racking up accumulated interest that will not be applicable for forgiveness in the SAVE Plan due to a forced administrative forebearance that I did not know or consent to. I have done everything on my end that I can to get this administrative forebearance off my account, yet they keep applying it, even after processing my IDR SAVE application with the help of Michigan Congresswoman XXXX XXXX. My due date has now been pushed to spring of next year. History of Correspondence : On XX/XX/XXXX, I submitted my application for the IDR SAVE plan. I received confirmation of this email by the U.S. Department of Education. When I submitted the application, I selected the prompt that I wished to start paying back my student loans IMMEDIATELY. I did NOT select forbearance. I also selected the option for recertification through the IRS tool. On XX/XX/XXXX, I received my first account correspondence letter about my IDR SAVE application from Nelnet. Logging into my Nelnet account, the .PDF letter states that an administrative forebearance has been placed on my account ( without my knowledge or consent - or without any other communications telling me that this had occurred ) and that my first payment will be due in XX/XX/XXXX. On XX/XX/XXXX, I received my first communications from Nelnet via email stating that my IDR Plan Application in is process. On XX/XX/XXXX, I reached out to Nelnet Customer Service for clarification as to what was happening with my account. After an over 2 hour wait, I spoke to a female agent who told me my account was placed into administrative forebearance, because of the volume of applicarions Nelnet was receiving, and that this administrative forebearance was a " courtesy '' to allow them extra time to process everything ; A courtesy, that can not be removed and was applied to my account without my knowledge or consent, as again, I selected that I wanted to start repaying immediately in my application when I first submitted it. She told me I could start repaying as soon as I want, but manually, and so the auto-debit discount would not apply. Furthermore, she told me that I would be responsible for ALL interest accured on my account due to this administratibe forebearance. She confirmed my application was still in process and that I should receive additional communications stating my loan applications have been approved no later than XX/XX/XXXX. She also told me that applications take an average of 26 business days to process and that my first payment is due in XXXX, XXXX. On XX/XX/XXXX, I received another communication via email from Nelnet stating that an administrative forebearance has been placed on my account and my payments are postponed. On XX/XX/XXXX, I received another communication via email from Nelnet stating that my application processing has been paused because they didn't have enough information from me in order to process it. Per their email, " To complete your application, we need proof of your income for the period of time you were not on the Saving on a Valuable Education ( SAVE, formerly the REPAYE Plan ) Repayment Plan. Please submit your income documentation from XX/XX/XXXX to XX/XX/XXXX. '' They also requested my spouse 's info for these same dates, whom I was not married to throughout the entire duration of the periods mentioned. On XX/XX/XXXX, I received another communication via email from Nelnet stating that I needed to complete an Income Self-Certification Letter and this would be the " proof of income '' that they needed in order to process my application. They provided an example sample letter as an attachment in their email : a hand signed letter with dates disclosing how much money the individual made per year. That's it. No IRS transcripts needed. I created a document with both my and my husband 's gross income, pay frequency, and the source of income, along with dates, to which we both handsigned and uploaded per the emails instructions. On XX/XX/XXXX, I reached out to Nelnet Customer Service for clarification, again, as to what was happening with my account. I spoke briefly to a female agent by the name of XXXX who was at a loss on how to assist me. I asked to be transferred to her supervisor. Her supervisor, XXXX, told me that the email that was sent to me about income information is standard procedure from studentaid.gov based on " new legislation '' that was passed by Congress. But, I can bypass providing all this " tax information '' if I provide proof of income in the form of a self-wrote declaration letter. I inquired if this was standard procedure for student loan borrowers looking to switch to an IDR plan for the first time, then why wasn't it disclosed during the application process so I couldn't provided this information in advance to speed along my application without hiccups. XXXX replied, " it's in the fine print. '' I expressed concern and frustration at lack of transparency. XXXX said that after about 15 days of uploading this letter to my account that I should receive additional communications on the status of my application, and that if my application is not processed by XX/XX/XXXX when my first payment is due, that the administrative forbearance will be extended on my account. He echoed what the first customer service agent said, and stated that I am responsible for paying any interest due on my account even with administrative forebearance preventing my auto-debit from occuring, and the only way around this is to make manual payments. On XX/XX/XXXX, I received another communication via email from Nelnet stating that an administrative forebearance has been placed on my account and my payments are postponed. On XX/XX/XXXX, I received another communication via email from Nelnet stating that my IDR application has been received. On XX/XX/XXXX, I sent out communications via email to Michigan Congresswoman XXXX XXXX expressing my frustration with Nelnet getting my SAVE IDR application processed in a timely manner. I sent out all communications in chronological order, showing my concern about all this extra interest compiling onto my student loans during an administrative forebearance that I did not request or consent to. On XX/XX/XXXX, I received another communication via email from Nelnet stating that an administrative forebearance has been placed on my account and my payments are postponed. On XX/XX/XXXX, I received another communications from Nelnet via email stating that my IDR Plan Application in is process. On XX/XX/XXXX, I received another communication via email from Nelnet stating that an administrative forebearance has been placed on my account and my payments are postponed. On XX/XX/XXXX, I received another communications from Nelnet via email stating that my IDR Plan Application in is process. On XX/XX/XXXX, I received another communication via email from Nelnet stating that an administrative forebearance has been placed on my account and my payments are postponed. On XX/XX/XXXX, I received another communication via email from Nelnet stating that an administrative forebearance has been placed on my account and my payments are postponed. On XX/XX/XXXX, I received another communications from Nelnet via email stating that my IDR Plan Application in is process. On XX/XX/XXXX, I received communications via email from XXXX XXXX from Michigan Congresswoman XXXX XXXX 's office stating that my case has been sent to their program office for review. On XX/XX/XXXX, I received another communications from Nelnet via email stating that my IDR Plan Application in is process. On XX/XX/XXXX, I received another communications from Nelnet via email stating that my IDR Plan Application in is process. On XX/XX/XXXX, I received another communications from Nelnet via email stating that new important account correspondence is available. When I logged in to my account to view it, it was a .PDF letter stating that the IDR Plan I had requested have now been applied to my student loans. The letter was dated XX/XX/XXXX, and provided the new monthly payment details that would take affect on my account. My account dashboard overview also reflected that fhd SAVE Plan had been applied, although, my account still showed administrative forebearance and no payment due. On XX/XX/XXXX, I received another communication via email from Nelnet stating that an administrative forebearance has been placed on my account and my payments are postponed.
Company Response:
State: MI
Zip: 48183
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This student loan account has inaccurate late payments that are hurting my credit rating and must be deleted immediately. This account was in dispute with the furnisher during the time these payments were being reported as late. Also the account was approved for a forbearance due to covid 19 during this time. This information should not have been reported under no circumstances. According to Federal Law under The Family Educational Rights and Privacy Act I have the right to have my personal student loan information be kept private, and this transactional information is private and against the law to be reported according to 20 USC 1232g ( b ). I request that this transaction history be deleted in accordance with the law. Furthermore, 15 U.S. Code 1681a it says these transactional experiences are not to be reported : Subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; Furthermore, the infomration must be accurate please check the screenshot to see the dates provided by two credit reporting agencies which show they each have different dates. This is clear violation as the infomration to be accurate must be the same and reporting exact within its publishing as each reporting agency. This is possible when a accurate investigation has been done and currently this information is false and not correctly reproting. I demand it be updated immeditaely and these private payment history be deleted. 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Here are the accounts : NELNET LNS- XXXX NELNET LNS- XXXX Furthermore, I request to OPT-OUT of of NELNET INC, reporting my transaction history, and rescind their right that I might have provided in the past of them doing so moving forward. This is the notice to the agents and principals of this company. Under Federal Law and the Privacy Act of 1974. Including 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated 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. Once again they must give you an opt out notice for anything that is to be added to your consumer report.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: This has been on my report for 12 years, since XX/XX/ Ive disputed many times,
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loans transferred from Great Lakes to Nelnet. I have tried multiple times to set up auto debit ( recurring payments ) with nelnet. My nelnet online account shows I have these auto debits set up to pull on the XXXX of each month, but they never pull the funds. By the XXXX I get a letter from nelnet stating my financial institution couldnt process the transaction. Thats a lie. Ive called XXXX XXXX and verified. I have sufficient funds in the chase account. I have verified with chase that nelnet never even attempted to pull my XX/XX/2023 or XX/XX/2023 payments. My 1 time payments using the EXACT SAME account information go through just fine. Using auto debit payment is supposed to give me a small interest deduction. Nelnet is not even attempting to pull the auto debits and they are screwing me out of my interest deduction. XXXX has verified there are not holds on my account of anything else awry on their end. I have submitted complaints to the US dept of education and Nelnet. I have not received a response as of yet. I have tried to call nelnet on multiple occasions. I can not ever get anyone on the phone. Their chat bot is not equipped to handle my complaint. All my loans are from XXXX XXXX. I am a XXXX with a XXXX. Their website is intentionally difficult to use, and there is no doubt in my mind they are doing this on purpose. This is predatory. I WANT to pay my loans on time. It shouldnt be this difficult to give them my money. If I have difficulty navigating this system, I cant imagine who would find it easy.
Company Response:
State: MO
Zip: 63128
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX NELNET XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This letter is to provide you with knowledge of intent to sue. The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over XXXX days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within XXXX days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. The items to be removed from my credit report are list XXXX an attach page. I look forward to your response. Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_______Nelnet__________ Date openXXXX Account NumberXXXX Reason for dispute___ identity___theft_______________ Account XXXX Account Name_____Nelnet________________ Date XXXX Account XXXX Reason for dispute______Identity___theft______________ Account Amount__________________________________ Account Name__________Nelnet______________ Date XXXX Account XXXX Reason for dispute_identity theft __________________ Account XXXX Account Name__________Nelnet_______________ Date XXXX Account XXXX Reason for dispute______identity _theft_______________________ Account XXXX Account Name______Nelnet______________ Date XXXX Account XXXX Reason for dispute_________identity XXXX Account XXXX Account Name______Nelnet_____________ Date XXXX Account XXXX Reason for dispute____identity XXXX Account XXXX Account Name______Nelnet_____________ Date XXXX Account XXXX Reason for dispute____identity XXXX Account XXXX Account Name______Nelnet_____________ Date XXXX Account XXXX Reason for dispute____identity XXXX Account XXXX Account Name______Nelnet_____________ Date XXXX Account XXXX Reason for dispute____identity XXXX Account XXXX Account Name______Nelnet_____________ Date XXXX Account XXXX Reason for dispute____identity XXXX Account XXXX Account Name______Nelnet_____________ Date XXXX Account XXXX Reason for dispute____identity XXXX Account XXXX
Company Response:
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My original student loans which started in the year XXXX, was with a servicer that went out of business. In the transfer to XXXX XXXX all my payment information, and loan documentation which was at that time paper, was lost. Under my second loan servicer I was eventually informed that instead of forbearances and deferments for a payment I repeatedly stated I couldn't afford, I could sign up for an income based repayment plan. After COVID, XXXX XXXX has since transferred all my loans ( which are direct loans ) to Nelnet. Under Nelnet, once again my account is blank. I can't see payment history, plans etc. the government page has limited information, but I can see some of my IDR application dates. The gov website also says to refer to your student loan devices for specific information about your account. On XX/XX/XXXX I contacted Nelnet to get my qualifying payment count. I was informed they could not give me this information. I asked when my one time adjustment would be applied ( because my first loans would be forgiven at that point. ) He said he couldn't tell me the date of that as well. He told me that it had been applied in the system, but there didn't seem to be any way to verify this. He told me when my forgiveness was up I would get notification, and don't worry, if I ended up overpaying I would get a refund. I asked how would they know if I was due for forgiveness if they didn't know my count and he said the system knew, which was updated from the government website so contact them. I told him the government website said to contact my servicer. He said he hears that a lot. Contact them anyway. I asked if there was something I could put in writing to request this information from Nelnet. He said yes I could write the gov student loan dept. After talking in circles it was clear I was never going to get the information even though I believe that if the adjustments have actually been made to my account, I should have already received notification from them that my loans are being forgiven instead of notices that I need to continue paying.
Company Response:
State: CA
Zip: 95111
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Hello. I have been trying to get in contact with NelNet loans since payments restarted. On and off on my days off, I have tried calling to speaking about a payment lower than what is offered online. I can not afford XXXX a month, but am able to pay XXXX. I do not want to go into forbearance or anything else as thats not benefiting me. I have also emailed and tried chatting into the company with no successfully response back. I would be happy to get call logs printed with times and dates called. I just am doing this on a whim and dont have that on me right now. If I am actually taken serious and can get help, I would love to make something work. This is not hurting my credit and everything else. Ive had YEARS of on time payments and thats what for my house. Now to think that could be ruined for another large purchase because of this company. Please help
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: They stated that yes it was applied for, but I need to know if I can begin consolidating loans without loosing refund???? I want to be able to get account adjustments!
Company Response:
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: FAMILY & EDUCATION ACT1974 PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a Direct Loan if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school
Company Response:
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A