Date Received: 2022-04-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I submitted my IDR on XX/XX/2022, and on XX/XX/2022, of my submission, I contacted NELNET XXXX XXXX servicer customer service around XXXX pm XXXX. As discussed in my inquiry as to why my IDR was denied, she explained that it was because I made " too much ''. I explained to her that I did not work and that I had lost my job and the income they had received was " COUPLE FILING JOINTLY FILE ''. She kept me on hold for a long time- going back in forth speaking with supervisors and finally, after XXXX hours, she tells me, " You need to write an E-MAIL explaining that you do have income and the income received was only your spouse. '' I asked if she was sure that if that was all I needed to do- and she said " yes ''. On that same night, I did what she told me- I emailed the letter to ( XXXX ) with my personal information and account details. ( Which I did twice ) As time went by, I NEVER received a notification or letter from NELNET acknowledging my e-mail. When I chatted back on XX/XX/2022, they stated that the e-mail they have received was not " acceptable '' because it had to be " hand written and signed '' After all of this misinformation given to me since XX/XX/2022, I got hit with a XXXX derogatory on my credit report.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My name is XXXX XXXX and Im a natural person/ consumer and Im submitting this complaint on the behalf of myself without influence from any third party being involved.
Company Response:
State: TX
Zip: 75181
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Credit Reporting agency : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!
Company Response:
State: IN
Zip: 46038
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am a single parent XXXX XXXXXXXX. I have bills, car issues, and Children to raise. My income is no more than {$800.00} a month. I dont understand how I can repay back all of these funds Without a steady income. I have XXXX XXXX that are keeping me from holding a full-time job. I have been having these student loans one my record since XXXX Here it is 16 years later and I still have these funds that the company want me to pay back. I was told that after seven years that things should have fallen off of my report. This situation has been a big downside for me for housing, jobs, transportation and other matters. At this point I am done and tired of seeing all of these loans on my credit report if I need to file bankruptcy to try to help with this matter then I will need to do so. I just dont have the funds to pay back all these loans that Ive basically used to support my family at one give time in life. I dont feel like this should be a burden on my life any longer. Why cant my loans cant be forgiven? Also a lot of those companies that I used loans for didnt live up to their part. XXXX, didnt teach me anything about hair that I always didnt know. All of the equipment that was provided broke and stop working ( tablet, blow dryer, etc ), they also stated that nails was apart of the program but I wasnt able to learn because one of their advisors was allergic to the products. XXXX, lied and stated that they gave me equipment and that I didnt return is a lie. I had a percentage over a XXXX in my class. My home got broken into and even with me trying to still turn in my work, the teacher still failed me to a XXXX percent. So I quit because I tried very hard. XXXX XXXX I barely made it due to me getting XXXX but with help from a friend and XXXX I was able to finish and I was happy. Then the online schooling was great but my XXXX got bad again and I stopped. Ive taken so many classes over and over again which I felt like I shouldnt had to. Schools like XXXX refused to share my information with other schools and I was XXXX during that time. At the end of this I tried and gave it my all. I really need help for a new being and a fresh start.
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: The college I was attending abruptly shut down altogether. I was less than a year from getting my XXXX XXXX in XXXX XXXX. XXXX XXXX never sent me my transcripts even though I repeatedly requested them in-person and via email. XXXX never suggested alternate schools that would be accepting my previously earned credits either. This was back in the year XXXX I believe, my loans defaulted in XXXX I think. In less than a week I went from going to my classes on a normal school schedule to the college shutting it's doors for good. I do not owe on my loans anymore because the contract I signed with XXXX XXXX was never fulfilled. XXXX XXXX violated their contractual obligations! They did NOT provide the services I signed the contract to pay for. Please help.
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FirstmarkXXXXs extended a loan to a known felon in XX/XX/XXXX with my name unknowingly and fraudulently listed as a co-signor. I sent in a full packet to Firstmark, which they received on XX/XX/XXXX, which included a police report, FDIC fraud report, notarized signatures, notarized proof of my identity, a notarized fraud affidavit, etc. Instead of processing this packet, they demanded more signatures from different dates, although they had no signature from the felon to compare them to. I did send in several more signatures in XXXX, yet they have still failed to remove my name from this fraudulent line when I filed several disputes with the credit agencies, and they are also refusing to remove a hard inquiry in XX/XX/XXXX when I filed 2 disputes with XXXX. XXXXXXXX XXXX has recognized the loan is fraudulent. They got the money back from the school and zeroed out the account. But despite multiple disputes with credit agencies, Firstmark refuses to remove my name from this loan 's credit line as recently as yesterday. Refusing to remove my name from the hard inquiry on XX/XX/XXXX ( which I did not authorize ) is lowering my credit score with XXXX. ( XXXXXXXX XXXX extended the loan, but FirstMark is currently processing it )
Company Response:
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX XXXX issued a student loan refund to my student Visa card and never informed me of it. The company was then bought out by Nelnet and a check was issued out. I never received the refund. Nelnet is requiring me to pay back a loan that I did not use.
Company Response:
State: CA
Zip: 93012
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX I took out a student loan through Nelnet totaling {$10000.00} to attend XXXX XXXX. During that time I used the XXXX XXXX that I was offered prior to using the {$10000.00}. I then withdrew from the school. The funds were refunded to a XXXX XXXXCard that was provided to me. I was unaware of this. The company that issued the refund was called XXXX XXXX XXXX. It was later bought out by Nelnet and was check was then issued out with the balance that was on the card. I moved several times during XXXX in XXXX and XXXX. Since I never received the check it was not cashed. I have tried multiple times to work with Nelnet regarding the unused money and was told I had to work with my school regarding it and that they can not help me. XXXX has attempted to help but can not provide information and is ultimately telling me that Nelnet is the one that bought out the company and should have records of the refund. Its been XXXX years of trying locate this refund. It has caused financial hardship and has caused my credit to drop significantly.
Company Response:
State: CA
Zip: 93012
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am in the process of applying for XXXX while looking at my history summaries on XXXX XXXX I noted incorrect information regarding loans while being serviced through Great Lakes. I called Great Lakes and asked for a status history in which I noted a forbearance XX/XX/XXXX to XX/XX/XXXX, an economic hardship for XX/XX/XXXX until XX/XX/XXXX as well as multiple " administrative forbearances ''. Also had XXXX consolidated loans and XXXX XXXX loans when I was transferred to Great Lakes but according to their records I have XXXX loans, but only sent a status history of XXXX when I requested XXXXI applied for income driven in XX/XX/XXXX, at that time my monthly payments were zero dollars and most recently pre pandemic I was paying roughly {$50.00} thru auto pay. When I spoke with a supervisor she stated my income driven plan was started in XX/XX/XXXX, according to her it starts when the paperwork is processed. That date is incorrect because my annual recertification is XX/XX/XXXX, as I initially applied in XXXX XXXX XXXX. I have read about others having these types of inconsistencies with Great Lakes. They are capitalizing off borrowers ' student loans principal and interest from these tactics.
Company Response:
State: IN
Zip: 46818
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Regards to NON-COMPLIANCE disclosures. As long as I shared a business relationship with nelnet, I was never informed, even my initial correspondence about the account that I had the option to opt out of specific privacy notices according to the FTC. I was not given any disclosures at anytime until this day. To make it clear this is not a request to verify or validate this debt. For the record nelnet has not been in compliance with the XXXX XXXX since the day I extended my " nonpublic personal information '' to them. I came across this information recently and realized for all these years nelnet has violated my consumer rights and dishonored FTC regulations. How are we allowing for financial institutions like this to get away with things like this. My last dispute was about 15 USC 6802 ( 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. I called them today XX/XX/2022 requesting privacy election opt-out forms and asked how come they never disclosed this information or annually, and why have they withheld this from me and when I speak about law they tell me they are not attorneys. They said I signed in my promissory note. I told them that was deceptive because no I told them I am not an attorney either, but I am learning my consumer rights and now I am realizing all this time they have been in violation. no one even conspicuously pointed it out to me and every year I supposed to receive disclosures just in case I change my mind or companies change their policies, they never had an answer for me. They kept dodging the question. These are some abusive debt practices that these debt XXXX perform when you don't know your rights. According to FTC, they stated that, " Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. '' I WAS NEVER GIVEN NOTICED ABOUT THIS. The debt collectors have obviously chosen PROFITS over COMPLIANCE. I want this account removed immediately from my credit report or I will be taking this further and suing for non-compliance of GLBA FOR 1. I didn't get a private policy notice with a " intro letter '' from nelnet. 2. I didn't get an opt out form with a " intro letter '' from nelnet 3. I didn't receive a annual private policy notice from nelnet
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A