Date Received: 2022-04-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have had a Student Loan for approximately 11 years. From a fraudulent school. They changed their name. I have initially called the Department of Education with my concerns upon the initial time of the incident. Because in regards to that school, I was unable to use, or transfer those credits to any city college, or university. The Department of Education representative at the time stated that it is not the responsibility of the department of education who needs to repay a loan. I said, so then I can open up a bogus school and have a bunch of kids go there. Have you guys finance it, and its illegitimate. That doesnt matter? She said yes as long as you can get kids to go there thats on you. I said, wow, ok. Later on I found out about XXXXXXXX XXXX. Im not sure how long it has been established. As I was looking for that information earlier on in the loan. I was getting the runaround through various departments within the Dept Of Ed. After stumbling across the XXXXXXXX XXXX application. I submitted a claim and was denied. I resubmitted a claim including an email directly from my new schools registrar, well now graduated from. It has been two years and it is still in processing. I spoke with XXXXXXXX XXXX. They said it is still in processing. As far as who is processing it I do not know. There is no expected time of completion. Which is of great inconvenience for me financially. I want to own a house, I want to live my life. Approximately {$21000.00} for something I couldnt use is a hindrance to me and my future. I dont know where to go from here. Which is why Im contacting you. I have asked them to speak to a higher up. They said that the supervisors will tell me the same thing. They said I could hire a private lawyer.. Which, for some thing I was never able to use. That makes no sense why would I pay for something that Im trying not to pay for because I am not responsible for this loan. If it was something I couldve utilized.. Instead of completely going to school over again to attain my degree. Then I could understand being responsible for repayment of the loan. Thank you for your time.
Company Response:
State: IL
Zip: 60632
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: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Great Lakes indicated that my application for Borrower Defense was denied by the US Dept. of Education without giving me further details. The US Dept of Education has responded to my inquiry concerning my borrower defense application as follows : Dear XXXX : Thank you for contacting the U.S. Department of Education 's office of Federal Student Aid. We have received the additional information you provided regarding your application for borrower defense XXXX. Please retain this number for reference. You had 2 cases closed that was duplicate cases, your original case is still open. The status is pending review. You will be notified once a decision has been made on your application. If you have questions, you may respond to this email or call our borrower defense hotline : ( XXXX ) XXXX. Representatives are available Monday through Friday from XXXX XXXX XXXX XXXX XXXX. Eastern time. Sincerely, U.S. Department of Education ( ED ) Federal Student Aid Borrower Defense Unit *To respond to this email, please reply to this email thread without modifying the Subject line. That way, your response will automatically attach to your application. * I would like Great Lakes to explain why I was told that my borrower defense application was denied. Great Lakes is nothing but fraud and does not maintain accurate information on my student loans
Company Response:
State: UT
Zip: 84047
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My student loans are covered under the CARES act extension in XXXX. My servicer is Great Lakes. I logged in to my XXXX account to check my XXXX Score and noticed that the score had dropped about XXXX points. There are no changes anywhere that would cause this and then I remember that my student loans and gone out and back under CARES. When I looked at the status, the loans show under 'deferment ' not 'administrative deferment ' which means the status indicates I requested they be placed in deferment. I did not. Great Lakes was sued over this once already : XXXX XXXX XXXXtrXXXX XXXX XXXX XXXX I contacted them today and asked them to modify the reporting and they will not.
Company Response:
State: WA
Zip: 98003
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 open end consumer credit plan as late for purpose.
Company Response:
State: OR
Zip: 97086
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loan debt when I completed XXXX school in XXXX was {$54000.00}. Today, it is {$44000.00}. I have made over XXXX payments since XXXX yet my debt is only $ XXXX less. There were 3 months where it was at collections in that time, but I resolved it. How is it possible it is only XXXX less? Also, the loan servicer only had from XXXX. When I asked to get my history going back to XXXX they said they can't access that as they have no history. I then contacted Nelnet, who I was able to find, had my loans from XXXX. They said they could not find my payments prior to XX/XX/XXXX because the servicer prior had gone out of business. I continued to dig, and found XXXX XXXX XXXX who provided me with a print out of XXXX. That was all they had. We have a lapse now from XXXX. These are payments I have made to the federal government for my degree in XXXX XXXX, giving back to society. Payments that they can't seem to track since they switch servicers so often. A loan that after 22 years of payments is only XXXX less. Something is not right.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: There are multiple closed accounts on my credit report which are XXXX, XXXX, XXXX, XXXX and even XXXX XXXX XXXX which are closed out. Most are from Nelnet and Department of Education. I have filed complaints about all three of them I have directly contacted all three of them and filed complaint and this information never goes away. The accounts are closed or they have been Consolidated into different loans so they no longer exist and they Continue to update but they are not removed one of them is even XXXX years old.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My initial student loan was {$50000.00} from XXXXXXXX XXXX in XXXX, It has been moved and interest has been compounded and capitalized at least 3- 4 times. I had no idea of the brevity of the interest and it was never explained in an upfront and conspicuous way what this was actually costing in terms of real numbers. Right now, none of these organizations Netlet, XXXX XXXX or Greatlakes can explain what the interest rates were, how and when they were applied. Theres this growing empty slug of debt with no paper trail, no responsible parties disclosing, explaining or having knowledge of how it came to be. They have no information to substantiate or justify these charges. I cant even get information to ask or understand what happened. As a consumer, I had no idea this was happening. My student loans with the last servicer are at {$110000.00}. My account gets wiped to zero with one servicer and passed to the next one I have been promised a reset, forgiveness and ability to repay program nothing actually happened except more interest and passed to the next one. Final note : consolidation has always been a condition for assistance and all I have is more interest. PLEASE HELP!!!
Company Response:
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My Loan was sold to Great Lakes student loans and anytime I called between XXXX to ask for an income repayment plan I was pushed into a forbearance without an income related amount being relayed. Not even {$0.00}. I didnt know better and took the forbearance.
Company Response:
State: CO
Zip: 80127
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Please accept this letter as my dispute of late payments reported by Nelnet. I have had consolidated student loans with Nelnet since XXXX, XXXX. I have attached my payment history. ( See Exhibit 1, payment history ) Since that time I have made one payment to Nelnet for what I believed to be a consolidated loan. Each statement from Nelnet indicates one account and the balance. ( See Exhibit 2, Statement ). As you can see I paid for more than 18 years on a timely basis. In XXXX, I took advantage of a forbearance available due to the pandemic. I misunderstood when the payments would begin to become due again, and was late on payments in XXXX, XXXX and XX/XX/XXXX. As soon as I became aware of the late payments, I immediately begin the automatic payments I had paid for the 18 years prior. I have asked Nelnet multiple times to consider a good will deletion of the late payments and they have refused. Nelnet has inaccurately reported the type of loan and account number of this consolidated loan as two individual loans with different loan account numbers than what appears on my statement. This has created a decrease of over 87 points to my credit score. I have suffered damages that exceed over {$30000.00} a year, as my husband and I were not able to refinance our home when interest rates where favorable because of the inaccurate reporting. I believe Nelnets reporting to be incorrect and in violation of the FCRPA, as the late payments should have been reported as one account as stated on their monthly statements to me. In addition, the scheduled payment of {$220.00} is incorrect as well. I would appreciate it if you would investigate this matter and delete or correct the disputed items as soon as possible.
Company Response:
State: MO
Zip: 64014
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX XXXXXXXX please read this, and know that it has been fradualent in that I have done the service work as a XXXX XXXX XXXX from XXXX, and I have made well over the required XXXX payments and I have filled out paperwork many, many times, and each time I am denied this has impacted our family, and to me it is lies by the government about the programs and how to get loans forgiven my wife says that THIS is diffferent, and I reluctant to even work with you as I have been lied to basically scammed in this process whey tell us you are going to forgive the loans and then just pay lip service to it are you guys for real? will you actually work with an XXXX Veteran who also worked with XXXX XXXX XXXX for XXXX years, along with XXXX XXXX XXXX and XXXX XXXX Send this to the federal government, send this to the company that I work with with my loans NELNET To me, it has been a scam as I have fulfilled all the requirements and been told no so many times Please help. Why the XXXX did i join the XXXX, why did I work with XXXX XXXX XXXX, etc. Why make those XXXX payments? ETC. You set the terms, then you did the lie by not abiding by the terms.
Company Response:
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A