Date Received: 2022-04-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: EVERY MONTH I PAY EXTRA PRINCIPLE TO PAY DOWN MY LOAN FASTER BUT NELNET KEEPS INCREASING HOW MUCH I OWE A MONTH!!!!! XXXX????? MY MORTGAGE COMPANY DOESN'T DO THAT TO ME!!!!! I WANT TO KNOW WHY THIS KEEPS HAPPENING AND WHEN THEY'RE GOING TO STOP!!!! I ALSO WANT TO KNOW WHAT MY PAY OFF AMOUNT IS ( THAT REQUIRES NELNET TO PROVIDE AN ACTUAL DOLLAR AMOUNT IN THEIR RESPONSE )!!!! I AM SO READY TO BE DONE WITH THE SCAMMERS FOREVER!!!!!
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The amount of loans supercedes that in which I actually received. XXXX XXXX XXXX. The final aid administrator fraudulently taken Ioans out using my personal information. I'm requesting all student loan debt be forgiven.
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX, Nelnet, XXXX, XXXX Bank, and XXXX XXXX has been reporting fraudulent activities on my credit report. I reached out to each one XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I also reached out to each bureau those months as well. XXXX, XXXX XXXX XXXX XXXX XXXX have been reporting debt on my credit report thats isnt mines. I have sent the collections agencies letters and the bureaus letters. I have spoken with the collections agencies & bureaus. I have not received any results. Each credit bureau said over the phone that I dont own the debt but until the collection agencies send an electronic authorization number for it to be remove it will not fall off until XXXX. This fraudulent debt has been on my credit report since XXXX. Each bureau keep illegally updating these fraudulent accounts. Ive asked numerous of time for them to validate the debt. They wont prove its mines. XXXX XXXX or XXXX has not responded back. XXXX, Nelnet, XXXX, XXXX bank XXXX XXXX XXXX XXXX has not responded back either. XXXX responded but did not validate or verify any debt. They updated the report as if its mines and dropped my points by XXXX.
Company Response:
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: XXXX XXXX XXXX cancelled my student loans by executive order. I graduated from XXXX XXXX and the program I enrolled in did not provide me with the tools and knowledge to become a XXXX. I earned a XXXX XXXX XXXX in XXXX. I filed paperwork a few years ago to get the loans discharged. Great Lakes has simply refused to discharge my student loans. My student loan balance is not accurate and should be at XXXX i.e XXXX
Company Response:
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My income based monthly repayment amount with Nelnet is {XXXX} ; so last year I paid {XXXX}. I received my student loan interest statement for 2021 and {XXXX} was applied to interest.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are multiple student loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATION/ XXXX which accumulated over {$200000.00}
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have fraudulent inquiries on my credit report on XXXX from the following lenders : XXXX, XXXX, XXXX XXXX, Great Lakes XXXX, and XXXX XXXX XXXX. And on the date of XXXX XXXX is also a fraudulent inquiry.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX, I received an email notifying me of the debt. On XX/XX/XXXX, I asked for more information and debt validation. A few emails went back and forth, I got a few phone calls during times in which I could not answer. I sent a letter following up that I would like more information and debt validation. I received a letter back asking for information that is not required for debt validation. I received another email on XX/XX/XXXX asking me to call in regards to the debt, I responded to this email reminding them that I asked for debt validation in XXXX and attached the letter I sent which requested them to stop contacting me if it wasn't in reference to the debt validation and to remove everything from my credit history as the debt is being disputed. I never got a response. They are still reporting on my credit history, they have not provided anything to validate the debt, and if this is not fixed by the end of the month, I will be contacting an attorney to sue.
Company Response:
State: IN
Zip: 46140
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear, GREAT LAKES BORROWER I agree to pay the following financial obligation regarding my account in which I might lawfully owe, on one condition : Within XXXX ( XXXX ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. Verification of your claim against XXXX XXXX, that is, a signed Invoice. A copy of the Contract binding both GREAT LAKES AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. The CUSIP number under which my loan was securitized to. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301. Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Company Response:
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In regards to group XXXX nelnet balances and payments. The website does not reflect the total amount due to pay off a student loan group, nor does it allows for any overpayment for daily interest. You can not over pay or try and the daily interest. Upon my payment on the website it appeared that I was paying off my group B loan in full, but my statement show I still have a balance of XXXX cents Daily interest is {$0.00}. A full business day did not pass after payment, how was interest added? My payment due is {$3.00} which is {$3.00} more than the balance and interest combined. XX/XX/22 statement shows a principle balance of {$500.00} and a daily interest of {$0.00} XX/XX/22 on Friday night I made a phone call to Nelnet about paying off a laon. I was advised to include the daily interest so my loan would be paid off. That amount was not provided during the call. XX/XX/22 Friday night I went onto the website and set up the payment of {$500.00} for the payment to process on Monday XX/XX/22 so my payment would process on Monday. The website would not allow more that {$500.00} in payment, I was not allowed to pay an extra {$0.00} for the daily interest. XX/XX/22 my payment was successfully processed. XX/XX/22 the statement shows a balance of {$0.00} and my amount due shows as {$3.00} How did daily interest apply when the payment was the less than one business day? Why is my amount due higher than principle and interest? XX/XX/22 I called Nelnet and made a complaint that I paid my balance for group B in full per the website. The representative said you have to also pay daily interest. I said the website does not allow payment above the balance. She tried to remove the XXXX cents but was allowed to. She asked if I wanted to pay the XXXX cents and I said it was presented as if I had paid the loan in full. I should not have to pay additional money. She tried again to removed the XXXX cents, again unsuccessfully. I said fine, I will pay the XXXX cents, but she said she was unable to for some reason, it would not allow her to process the {$0.00} payment. She said call back before XXXX tomorrow during business hours. I said ok and hung up. I work during normal business hours and had already spend XXXX minutes trying to sort the amount owed out. I did not take time off work to try and pay money that I did and do not believe I owe. XX/XX/22 statement shows {$0.00} principle balance and an estimates interest of {$0.00} but the amount due is {$3.00}. How do I owe {$3.00}? XX/XX/22 my balance on the website said {$0.00}. I made a pavement of {$0.00} using Nelnet website. This payment was successfully processed. I have other loans for a much higher amounts that I intend to pay off in the future. Will I continue to experience this problem on a larger scale?
Company Response:
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A