Date Received: 2022-02-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My private student loans are serviced through nelnet. I have two separate loans. I have tried to make extra principal payments to one loan, yet the company has a history of misapplying the payments. This has resulted in significant time trying to correct the issue, and I now am having to fight to have interest charges corrected. I am rather exasperated.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XXXX XXXX, 2022 I made a call to Nelnet regarding a received email that payment was needed on a Income Driven Repayment Plan. I spoke to a Nelnet rep. trainer, XXXX, on XXXX as I did not receive email with new IDRP request regarding loans. XXXX sent over via email with IDRP document request to update my account and information. I executed document and try to upload documents to Nelnet 's dashboard in my account. I was able to enter ID and password. I then went to the documents and upload documents drop-down box. I accessed my documents from my computer their " File to Upload '' chosen. I chose from " Document Type '' " IDRP Request '' An error message repeatedly came up blocking my ability to upload requested documents. I called Nelnet and spoke to XXXX representative. She could not assist me in the inability to upload detrimental documents that are being request and I willing to give. I told her that devices had been remotely accessed prior and I had to contact FBI. She stated that my web browser was blocking me from uploading docs. I then informed her the XXXX app uploading was downloaded from FBI site. She then informed me that was the problem and to go to a different browser and access a different site. I then informed her that I had no problems with XXXX and if I could speak to her manager or XXXX. She refused. I told her if she could not fix my problem, my honest effort was to report to CFPB. XXXX XXXX ( aka. XXXX XXXX
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccurate account on my Credit Report and regardless of the multiple written requests, NELNET LNS is still being reported reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX ar XXXXXXXX XXXX I reached out to Nelnet after discovering they have reported a total of 72 lates on my credit report ( 18 accounts showing late 4 times each ). I spoke to XXXX whom then transferred me to Supervisor XXXX. XXXX XXXX stated XXXX is sending proof of payments. A few days later I received a copy of my payment history Nelnet sent me ( included in this submission ). The payment history shows a deferment ( this area is marked with a * on the payment history ) during the dates ( XX/XX/XXXX 90 days,XX/XX/XXXX120 days, XX/XX/XXXX 90 days, XX/XX/XXXX 120 days ) Nelnet reported me late. I called Nelnet back and was told a law prohibits them from changing a credit reporting and I have to dispute with the credit bureaus. I proceeded to do just that the end of XX/XX/XXXX by sending the payment history received from Nelnet with my request. The credit bureaus refused to correct the file giving the reason Nelnet is verifying the incorrect reporting as being correct. I placed 3 more disputes there after while continuing to contact Nelnet. Nothing was corrected. In XX/XX/XXXX I hired an attorney to assist with this issue. My attorney sent a letter ( attached ) to Nelnet ( and ccd all three credit bureaus ) along with the payment history ( attached ) requesting the information be corrected. On XX/XX/XXXX Nelnet replied ( attached ) they do not have to investigate 3rd party requests. I then received a letter from XXXX ( via mail ) on XX/XX/XXXX stating Nelnet verified the current reporting as accurate ( again ). These late payments on my credit report is NOT accurate as evident in the payment history sent to me directly from Nelnet. It is imperative this erroneous information is corrected ASAP as it is contributing to a great financial strain on my family.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Year XXXX of XXXX. Great Lakes is who has my loan under consolidation. Before my loan was consolidated, I contacted Great Lakes questioning twice if the correct balance and the payments that I made to XXXX XXXX under Dept. of Education collections will the payments be applied to my consolidation once completed. Great Lake reps stated yes. XXXX XXXX rep XXXX when I was under them stated any payment which was the {$200.00} during Covid in which I did not have to pay, that it was going toward the loan ONLY. When the loan transferred to Great Lakes the full payments totaling {$200.00} did not transfer. They transferred only a few dollars. Contacted XXXX for a receipt since Great Lake stated they needed two wks ago in which nothing was done. I called XX/XX/XXXX spoke to first rep, he was lost with what my concern was so I requested a supervisor. XXXX ref # XXXX was repeating information that we both could see in which was the same information i explained to her even after I let her know that this is not what you all with Great Lakes told me while waiting for the consolidation transfer. I told her that they ask for a receipt and still nothing has happened. Instead of just letting me know that you don't know what to do you just sat on the phone listening until I ask what is the next step that you all need to take. She mentioned the next up of her manager. They are not trying to help anyway get there account corrected with the correct balance even after they requested a copy of receipts. I just want my loan amount corrected because this is my hard earned money.
Company Response:
State: SC
Zip: 29710
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I filed an application for the XXXX XXXX to Repayment program in XXXX to seek loan forgiveness for the loans I accrued while at XXXX XXXX when owned by XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX my application was denied without adequate consideration and explanation. Our case with XXXX has been reopened ( loans are still in administrative forbearance ) due to a court ruling, to my understanding. My complaint is that I've been waiting far too long for a proper decision about my XXXX application and there has been no communication from the Department of Education about what is going on.
Company Response:
State: NV
Zip: 89142
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX XXXX XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX XXXX 120 days late XXXXEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX XXXX XXXX / 120 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
Company Response:
State: FL
Zip: 32757
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I contacted my student loan in XXXX and XXXX and told them they sent my information to the wrong po box that was listed on the account. I had told them numerous times they had listed the wrong po box by one number off of the mailing address to contact me regarding my students loans and slapped me with late fees until I paid them. My accounts are current and I deserve to have them not slapped me with 3 months late fees as I was unaware they were coming up for renewal and the wrong addresses are on my papers. This is from 7 years ago and my credit report has been good ever since. I am asking for this to be removed from my credit score and report. I think unaccurate information after I have had my accounts in good standings for 7 years. Case # XXXX If I wanted to buy a house or purchase something I have these 3 late payments on my account for the past 7 years.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My student loan servicer is Great Lakes. I work in public service. I am trying to get a mortgage. The lender needs to see a non-zero payment amount on my credit report, so on XX/XX/XXXX, I contacted Great Lakes and was told they would report my correct monthly payment of {$230.00} if I took my loan out of the COVID freeze. I took my loan out of the COVID freeze and started making payments. However, Great Lakes has continued to report my monthly payments as {$0.00} rather than {$230.00} that shows on my Statement of Loan Obligation. I have repeatedly contacted Great Lakes and been told to wait until the end of the month and see if it fixes or to file a dispute. I did file a dispute, and Great Lakes again reported my payment as {$0.00}. I have records of call, chat, and email dates. Great Lakes has left me in a position that I'm making payments that are not in my interest to make ( I'm XXXX out of 10 years into a public service position and will presumably qualify for PSLF ) but unable to get a mortgage. I am unable to purchase a home. Please help.
Company Response:
State: LA
Zip: 714XX
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I submitted a payment on or about XX/XX/XXXX or XXXX 2022. The payment was received on XX/XX/2022 and funds released from my bank. I waited patiently and the total current balance did not update. In addition the outstanding principle did not change nor did the accrued interest amount. It is now XX/XX/XXXX and the information still has not changed. I called Nel Net- the service provider- on or about XX/XX/XXXX and informed they didn't know why it was not updated and a " specialist '' would reach out and I would receive a response within two business days. To date, I have received no such response. The total amount paid was {$1400.00}. spread over approximately 4 loans. My credit report reflects no such payments as my outstanding balance has not changed despite making a sufficient payment. Therefore my credit is being adversely affected as my outstanding balance has not changed in relation to this patient - resulting in increased interest rates and harming my reputation of paying my bills timely.
Company Response:
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A