Date Received: 2022-02-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My student loans have been in deferment/forbearance since before COVID PANDEMIC. I verified that it should not have been reporting as pass due. This is destroying my credit rating and preventing me from living a peaceful life. Please correct. XXXX is showing past due please correct and repair the damage to my profiles. Time XXXX XXXX
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Remove the debt from me and ask the con artist student loan provider to pay it. I have already made payments towards this unauthorized balance just to increase my credit score. Did not authorize any loans. Did not receive services.
Company Response:
State: AK
Zip: 99508
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: Have been a victim of Identity Theft since XXXX when I turned XXXX, have not checked my credit until XXXX where I experienced a life changing situation and did not monitor my credit since. Had student loans and other unauthorized charges on my credit report, have been disputing them after confirming these charges were fraudulent.
Company Response:
State: AK
Zip: 99508
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am an XXXX XXXX in the public school system, and have been since XX/XX/XXXX. I have been paying off my direct loans through Nelnet since XX/XX/XXXX. When I went to XXXX School WHILE working full time at a XXXX XXXX public school, I called and asked to be able to continue paying my student loans. They placed me on deferment, much to my repeated request not to be. Based on XXXX XXXX XXXX XXXX counts, I would be at XXXX payments as of now and have my loans forgiven if my loans were not deferred. My deferment period was from XX/XX/XXXX to XX/XX/XXXX.
Company Response:
State: CO
Zip: 80219
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have a consolidated student loan with Nelnet, for a school that went out of Business shortly after i left. The name of the trade school Was XXXX XXXX College, address was XXXX XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. I attended that school from approx. XXXX XXXX to XXXX XXXX. Part time in the evenings. The course was XXXX XXXX.a XXXX yr, diploma. Not XXXX XXXX. I was working full time for the Federal Govt. as a XXXX XXXX. The school way over charged us, promised us a XXXX job. Plus someone in their Adminstration must have sold our Social Security numbers to someone, because many of us were victims of Identity theft, myself included. This was on the news. I still have to do my taxes with a pin number because of this breach of security. Finally, as i mentioned, i was stil working for the Federal Govt. after i got finished with the school and i have been making payments every month from approx XXXX, to XXXX while i was employed with the XXXX XXXX. I spoke with Nelnet people a couple times about any type of loan forgiveness, or even reduction in the loan based on all these circumstances but got nowhere. I am unable to locate my nelnet loan number at this time, i havent had to make a payment since XXXX due to covid. I am now retired from The XXXX XXXX and would appreciate any help you could give me in either reducing, or forgiving the school loan.
Company Response:
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Forbearance needs to count towards XXXX- so many had to go into forbearance because they were unable to make the payments due to working in lower paying jobs, therefore missing out on months of possible payment counts for XXXX. MAKE FORBEARANCE COUNT
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of Education/ Nelnet on my credit profile that need to be removed immediately.
Company Response:
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I reached out to my loan company, Nelnet, to see if I could qualify to consolidate my FFEL loan into a direct loan so that I could qualify for PSLF. This would require removing my ex-husband, the co-maker, from the loan. I received an official letter from Nelnet on XXXX XXXX which began, " You are the owner of the above account which has a co-maker. If you consolidate, the co-maker of the account will be removed. '' To that end, I would be able to remove my ex-husband, consolidate, and then qualify for the PSLF as I have made qualifying payments since XXXX, and have worked in public service since XXXX. I called Nelnet on XXXX XXXX to confirm what was written and begin proceedings, and the first person with whom I spoke said, " I don't think we do that '' and chuckled. I asked if he could kindly confirm yes or no, and noted something to the effect of, " This is very important to me as I am a single parent to XXXX teens and I have already paid more than 80k of my 60k loan and have XXXX remaining payments, which means I may retire before completing my payments. '' After about an hour, I was transferred to a supervisor who finally came to the conclusion that I 'likely " have a spousal FFEL loan that does not qualify for consolidation. I checked my original loan paperwork -- which I still have filed -- and did not see anything written therein disqualifying me from consolidating. However, it is now all over then news that this type of loan is the exception to the PSLF waiver. I am very disappointed that Nelnet mislead me, and then half dismissed me when I called, only to keep me on the phone for an hour in their attempt to help me. They have taken so much from me, and have never tried to help.
Company Response:
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I enrolled into XXXX XXXX at the XXXX XXXX location. I signed up for medical billing program around the year 2010. I was told I was approved for complete financial aid since I was a single mom and had no income. The grant was suppose to be approved for the program which was XXXX in financial aid. Then I found later that the school was closed permanently due to fraud. I tried contacting the school about my program and certification upon completion. It was unsuccessful, since then I have never received any notification about the closer or updatea about my certification they had promised and was unsuccessful finding a job. I also found out they have taken out not only federal loans under my name they also made extra personal loans which now I never agree or benefits from these loans. I am a victim of fraud from XXXX XXXX.
Company Response:
State: MN
Zip: 55901
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A