Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Irecentlyreviewedmycreditprofileandnoticedinaccuracies.Iam formally requesting that thesebeinvestigatedproperlywith immediacy. I have been disputing XXXX XXXX XXXX XXXXXXXX/XXXX XXXX inaccuracies on my credit report for the last year as XX/XX/XXXX Nelnet and XXXX XXXX no longer service Student loans. XXXX XXXX XXXX XXXX/XXXX XXXX has been reporting as a Duplicate account to Nelnet Both accounts have the same account OPEN date XXXX XXXX, XXXX. NELNET is reporting two Separate accounts {$28000.00} and {$36000.00} adding them both together you get {$64000.00} one dollar off from ALL STUDENT LOAN thats reporting {$64000.00} This account is not showing Disputed on my credit profile. This account is showing OPEN on XXXX and Closed on XXXX This account is showing Transferred
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Irecentlyreviewedmycreditprofileandnoticedinaccuracies.Iam formally requesting that thesebeinvestigatedproperlywith immediacy. I have been disputing ALL XXXX XXXX XXXXGreat Lakes inaccuracies on my credit report for the last year as XX/XX/XXXX Nelnet and Great Lakes no longer service Student loans. XXXX XXXX XXXX XXXX/Great Lakes has been reporting as a Duplicate account to Nelnet Both accounts have the same account OPEN date XXXX XXXX, XXXX. NELNET is reporting two Separate accounts {$28000.00} and {$36000.00} adding them both together you get {$64000.00} one dollar off from XXXX XXXX XXXX thats reporting {$64000.00} This account is not showing Disputed on my credit profile. This account is showing OPEN on XXXX and Closed on XXXX This account is showing Transferred
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In response to the previous correspondence please see attached
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalse accusations by Nelnet. Iam formally requesting that thesebeinvestigatedproperlywith immediacy. Account one has a balance of {$28000.00} and account two has a Balance of {$36000.00} NELNET continues to report 2 Delinquent accounts inaccurately on my credit report. -Showing Different account numbers -This creditor does not own this account -Each Bureau shows a Different date of last activity -This account has been re-aged -They are reporting payment after this account was closed -They are reporting this account as transferred -Different dates listed under date of last payment -I disputed this account but nothing was sent to me legally to verify ( There is no indication that I disputed this account on my credit profile )
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I updated my mailing address on my Nelnet account around XX/XX/2021. I have not received a mailed monthly statement since then. I also did not authorized to only view my account information online. I only go online to pay my bill or go on the application on my cell phone. I prefer bills to be mailed to my address as I have filing system where I keep a record of all of the statements and mark payment date, time, payment amounts, who sent the bill and confirmation numbers. Nelnet online account profile system is messed up. They only have available to enroll in e-statements and text notification of bills. I do not want e-statements and do not want to be sign up for texts that will charge me money through my cellphone company. If they are any responsible servicing company like any bank or financial institution, they should held to the same Federal regulations and State laws about disclosure of account information to be accessed by the consumer/borrower without a company not providing options or making good on monthly statements when a borrowers is not enrolled in e-statements. It should never be a company 's decision to make or follow through with unauthorized account maintenance just for the company to save money! I am sure all of these third party student loan service providers are getting rich off all of the interests built from deferred, defaults and forbearance loans over the years! It would be nice if the Federal Government look at some Student loan forgiveness for those who had FFELP Stafford loans. After look at how the student loan market and sales tactics were done with the universities and colleges, it is down right predatory lending practices when they know that students coming out of high school do not know about terms and conditions on contacts, promissory notes of payment of debt, and compound interest.
Company Response:
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX {$30.00} inaccurate and was suppose to be deleted since XXXX. NelNet Student Loans Invalid Dates need to be removed off report. XXXX XXXX XXXX been inaccurate for over XXXX years account closed already. Please delete. Update credit card balances Total Debt is wrong. Please verify and correct.
Company Response:
State: LA
Zip: 70601
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I had private student loans with XXXX XXXX that were sold and transferred to Firstmark around XXXX of XXXX. I am currently in XXXX school, and some of my private student loans from my undergraduate college loans had run out while they were still at XXXX. I was able to file for extended/hardship forbearance ( NOT COVID-19 related ) over the phone with proof of enrollment data. I was last approved for this in XX/XX/XXXX with Clearinghouse data. I was told Firstmark would be able to check this. I no longer have the secure e-mail from XXXX XXXX 's message center, but I have the e-mail notification that the correspondence occurred ( attached ), and at least one approval notice of this forbearance that I can find if needed. I was assured by XXXX and Firstmark that my hardship forbearance would remain in place until I graduated. This is what is stated on XXXX 's updated student loans website ( XXXX XXXX XXXX/ ) as well. My loans have been consolidated, refinanced, or otherwise modified with Firstmark so XXXX 's terms should still be in place. By XXXX of XXXX I received notice that these loans had gone into repayment because there was no standard forbearance time left. When I called and tried to explain that I knew this had been approved for their hardship forbearance with XXXX before the loan was sold, that they should have on file. I was told that " they didn't do that because they weren't XXXX '' and there was " nothing they could do about it ''. I get conflicting information every time I call, and every time I ask to speak to a supervisor or anyone might be able to look up my files I get put on hold/hung up on/told I'd get a follow up e-mail but don't. They keep telling me about what I can do with my student loans under their terms- as if I'd taken it out with them to begin with - when they are supposed to honor the terms I had at XXXX XXXX, including any ongoing forbearance. I have tried calling XXXX to see if they had any records to clear this up, they said they don't have them and that Firstmark should. Firstmark has not made any effort to review my documents or fix this issue and I dont have copies of my hardship forbearance since I filed it over the phone with XXXX.
Company Response:
State: SC
Zip: 292XX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They had 9 late months on 7 accounts that made 63 late payments on my credit reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. I tried to dispute with all three bureaus and tried sending in letters to Nelnet but they all say it cant be changed but the information is incorrect
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: Started monitoring my credit in 2017 and noticed a student loan, have been trying to report a fraudlent account had been opened in my name but had experienced a financial hardship. When I began to get financially stable I was able to start disputes, report my identity stolen and get my life back. I called XXXX XXXX XXXX, XXXX and NelNet to dispute directly through them. Nelnet refuses to investigate even with my identity theft report being submitted to them. I did not authorize any student loans and had no knowledge of this account until XXXX later.
Company Response:
State: AK
Zip: 99508
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I was promised by XXXX XXXX sell representative, immediate hire after completion of training. I was not hired and I didnt not receive any help for jobs interviews like they XXXX XXXX promised. I was also not given a certificate of completion to be able to show at interviews. Not one of the the students that attended with me during that time received certificate or got hired as a medical assistant. I have informed Nelnet several times about this fraud and according the Neltnet there is nothing to be done. This happened in 2005 my total amount owed to Nelnet is {$10000.00} that I have not been able to pay.
Company Response:
State: CA
Zip: 92395
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A