Date Received: 2022-05-02
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: I have an auto lease with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX Date opened XX/XX/2006 Balance {$0.00}.
Company Response:
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I sent out a letter to all XXXX credit bureaus stating that the Department of Education/Nelnet is reporting inaccurate information. On XX/XX/XXXX, I sent a letter to the Department of Education/Nelnet regarding my concerns about reporting inaccurate information to XXXX, XXXX, and XXXX. I never got a response back from Nelnet. I sent out 3 additional disputes to all XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and the late payments for XXXX accounts are still reporting " LATE '' for six months from XX/XX/XXXX to XX/XX/XXXX. I Provided documents to Nelnet and to all XXXX credit bureaus that I was never late, I was in school with XXXX units or more and I just recently graduated on XX/XX/XXXX. Furthermore, payments back to student loans begging 6 months after you are done with school.
Company Response:
State: CA
Zip: 95122
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I graduated with an XXXX XXXX XXXX in XXXX. XXXX XXXX consolidated my federal loans and I paid them to XXXX. Nelnet called my 10 times a day with student loan forgiveness calls. I finally talked with them. They told me I would be crazy not to let Nelnet service my loan. After all, they were offering student loan forgiveness. So I went with Nelnet and all I got was exactly what XXXX XXXX was offering only my 25 years to forgiveness starting over again. I will have paid on this useless degree from age XXXX to age XXXX. This seems predatory and fraudulent. This has affected every financial decision I have made my adult life. It causes inflated the interest rates on literally everything that Ive applied for. I have been turned down for apartment complexes, housing, Car loans, you name it There is no end for me. I will die with these loans. I currently owe {$460000.00} on an initial loan of {$52000.00}. There were no jobs in the arts field that could possibly merit paying these loans so I had to leave it. I am a flight attendant. Please help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I called in XX/XX/2021 to pay my student loan off I asked 4 times on a recorded line can you make sure this is the correct amount and the insured me that {$1700.00} was my remaking balance that was old to close the debt. 2 to 3 months later the added {$45.00} to my bill how and why when I called the company spoke to a supervisor and thats the total I was giving. They need to remove the {$45.00} because I paid what balance was giving to me and I need this removed off my credit its there responsibility to let the consumer no the entire amount including all fees
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet Account # : XXXX To Whom It May Concern : Nelnet is my student loan servicer. Former President Donald Trump declared a pause on federal student loan payments & interest accrual 2 years ago. President Biden has extended the pause, via Executive Order, most recently in XX/XX/XXXX. Nelnet complied with both Presidents ' pauses on federal student loan payment & interest accrual for the first 2 years. I received monthly statements showing a {$0.00} payment due, and {$0.00} interest accrual. Until XX/XX/XXXX. Then, suddenly & without explanation, on XX/XX/XXXX, Nelnet violated the President 's Executive Order/pause, and sent me a bill for a federal student loan payment due ( plus interest accrued ), for a payment due on XX/XX/XXXX. I immediately emailed Nelnet the same day Thursday XX/XX/XXXX & asked what was happening. I did not receive a reply from Nelnet. I emailed Nelnet again the evening of Friday XX/XX/XXXX. No reply was received from Nelnet until 6 days later on Wednesday, XX/XX/XXXX. A reply from Nelnet rep XXXX XXXX, did not address my concerns ; rather, their reply requested I provide my XXXX, SS # and Nelnet Account number. They were asking me to send sensitive PII information to them via unsecure email. This is a violation of privacy regulations. I did not reply to Nelnet. Then, suddenly the very next day Thursday XX/XX/XXXX, Nelnet rep XXXX XXXX sent me an email. Nelnet 's email simply stated my account is current and that my next scheduled payment of {$470.00} is due on XX/XX/XXXX. Thats it. No other information, no addressing my concerns, completely ignoring me, my concerns & the President of the United States Executive Order/pause on federal student loans & interest accrual. President Joe Biden is currently considering a partial or full cancellation of federal student loan debt. It has been all over the news. The banks & lenders are extremely concerned. However, that is their problem. They can not arbitrarily & unilaterally violate an Executive Order. In addition, why are they ignoring me? Is it just me they are trying to ignore/bully/intimidate? Or are there potentially thousands, millions of other people with federal student loans being bullied by Nelnet? Is this occurring only in California? Other states too? Whats going on with Nelnet? Could this be a potential class action lawsuit? Why are they providing very delayed replies, and replies that completely fail to answer my very basic question? Also, why does XXXX Nelnet rep XXXX XXXX ask for all of my PII & very private sensitive info like DOB, SS # and Account # by unsecure email? And why the very next day is Nelnet rep XXXX XXXX then telling me my account is current & payment due asap? Nelnet & the lenders are very concerned that partial or entire federal student loan cancellation is a very real possibility. Nelnet is therefore engaging in hostile & aggressive loan collection in an attempt to bully, intimidate customers to try and recoup as much of the loans as possible before this potential federal student loan cancellation occurs. This is very concerning. I XXXX be contacting an attorney to review my options. If this is happening to multiple customers, it is the basis for class action lawsuit. I request a cease & desist order be placed on Nelnet, and, that they be fined appropriately for violating a standing 2-year Executive Order for the past 2 years. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, h as violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Company Response:
State: NC
Zip: 28031
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX ( Nelnet ), has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction. 15 USC 166B : A creditor may not treat a payment on a student loan account under an open end credit plan as late for any purpose. Note : This account was fully discharged due to my 100 % XXXX VA rating in XXXX and XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair trading Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 692 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I noticed that my federal direct loans are listed as having a grace period from XX/XX/XXXX until XX/XX/XXXX. Since the maximum forbearance length is 3 years total, and I was not enrolled in school and I was not in default during that time, I would like to know if Nelnet possibly has inaccurate information on file for those loans which could affect my length of repayment towards Income Based Repayment ( IBR ). The code they are using for grace period is associated with a 6 month period of time between repayment statuses so it doesn't make sense at all that I was in forbearance for 6 years and 3 months. I emailed and spoke to a customer service representative at Nelnet, who said they " had never seen that before '' and that it " should '' be counted towards the 25 years of payments for loan forgiveness, however he could not confirm that this was the case after over 1.5 hours on the call. I am concerned that Nelnet mishandled my payment records and that I will potentially lose out on 75 months of qualifying payments towards my 25 year cap for student loans on IBR payments.
Company Response:
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A