Date Received: 2022-01-19
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: NELNET received my dispute letter on XX/XX/2022 according to XXXX certified mail/ green receipt tracking XXXX. In my letter I demanded for your agency to cease from furnishing to CRAs. Also, I demanded deletion of the late payments from my consumer report, this agency is in numerous violations of the FCRA, including 15 USC 1681b. and 15 USC 1681 ( 2 ) ( a ) ( i ) the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. See attachment for exhibits.
Company Response:
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filled a dispute about items I found to be incorrect on my credit report. I have yet to receive a resolution about the issue even with 30 days that have already passed.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet reported on all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out. The name on the contract is NOT my name. I have called Nelnet several times, police/detectives have called Nelnet several times and Nelnet refuses to send information or provide information over the phone. Nelnet has mailed information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. This fraudulent loan has caused so many issues for me, including killing my buying power. I was unable to purchase my home because of the FRAUDULENT loan. At one point all 3 credit bureaus removed this fraudulent loan from my reports and then Nelnet provided XXXX with more false information and it is back on my credit report fraudulently. They are reporting payments being made that I never made on this fraudulent loan along with other false information that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof. The loan is not in my name. It has caused such hardship, I have been unable to access credit in my name because of this fraudulent loan and this has been going on since 2019. Nelnet has random names and addresses that they mail information to that is not my name and not my address.
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
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 loans are with Nelnet, which I thought was a federal loan servicer for starters and would automatically fall into the government mandate to postpone repayment. I was granted the first government covid relief repayment postponement from XXXX to XX/XX/XXXX without going into my account and applying for a forbearance. The US government then issue another mandate before I was due to start again in XX/XX/XXXX, which I thought put me in the clear until XX/XX/XXXX. In XX/XX/XXXX, Nelnet restarted my payments without any notification through physical or online mail. Unaware that my payments were now restarted, due to the fact that I never got a physical mail or any emails. I also assumed that my payments fell the new government mandate, coupled with the fact that I didn't get any emails or physical mail stating otherwise. Nelnet claims that they sent me an inbox message in my Nelnet account. One, I never elected to elected paperless mail only. All through the years, I've always gotten physical mail or a forward mail from Nelnet to my listed email, but this time nothing. It is my suspicion that Nelnet was intentionally targeting loan holders in order to get them into default on their loans. Even though they admit that they were at fault for not sending a physical mail or email notifying me that my payments were due, they still refused to retract the 6, 90 day late payments that dropped my credit score from XXXX to XXXX. In the last 10 years, I've worked very hard to build my credit, never a late payment. If I was aware of the payments due I could have easily manually put them on forbearance, but I was not notified at all through any means that I provided. I believe that because they could not show proof that they notified me through reasonable channels that these late fees reported on my credit should be removed.
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX the consumer, Continue to Be damaged by the injurious nature of Nelnet / US DEPARTMENT OF EDUCATION. This is in response to Nelnets documentation and response thereof. Nelnet inc has Documented evidence of my account in a forbearance status with no interest incurring. Nelnet has also denied my claim which is being rejected. As I am a victim of identity theft due to the fact of NELNET INC AND ON BEHALF OF US DEPARTMENT OF EDUCATION ( technical third party with no standing ) TO BUY and securitized my information to XXXX,. This is not authorized.. this is a data breach. It has been stated by Nelnet That they must Furnish my account data proving they had no real reason only that must, Nelnet claim is not valid only a violation as to having no absolute grounds to furnish and did so WITHOUT MY CONSENT. if a reason was so it would have been listed, WE MUST does not mean we are able to ignore the consumer and make decisions without them. WITHOUT THEIR CONSENT which is in fact identity theft. NELNET INC also claims they are lender but not have provided any 1099 A or C copies for my tax purposes, nor 1099 OID or any forms that are supposed to be filed with the IRS that have not been and have also been acknowledged on form 13909. At this time it is being requested : The original transaction with US DEPARTMENT OF EDUCATION to clear up my name and to prove the theft of my Identity. As NELNET is REQUIRED TO PROVIDE THE ORIGINAL TRANSACTION DOCUMENTS pursuant to FCRA sec 609E. And attached. XXXX XXXX the consumer know I am the lender and with the credit, Nelnet has still not answered HOW YOU WERE ABLE TO OBTAIN MY INFORMATION. According to XXXX the consumer, you had no PERMISSIBLE PERMISSIBLE OR WRITTEN. CONSENT TO FURNISH A REPORT. In addition to the accuracy of the report pursuant to 15 USC 1681 AE you have not asked the consumer XXXX if the information is actually true. Instead violated my privacy rights, unalienable rights, and federal rights protected as a consumer.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My services recently switched to Nelnet. On my old account I was still paying actively on my loans even during the pandemic. Somehow when my servicer switched the monthly payment amount went from {$130.00} to {$1100.00} and they withdrew that from my account which caused a significant overdraft. I contacted both my bank and Nelnet to get the issue rectified and the transaction was reversed through my bank. Nelnet notified me that due to my loan servicer changing this amount was not updated and it would be updated closer to XXXX. This morning, however, Nelnet once again charged the amount and it took out again causing another overdraft after I had already spoken to them about the issue the prior week. My account is now has a balance of XXXX because they processed the payment again after I already called and had the issue rectified and they indicated my contact was noted in their system. Now they are telling me I have to wait 2-3 business days just for the refund to be approved, then an ADDITIONAL 4-6 weeks for a check to be sent to me. Meanwhile I have to somehow find the means to cover {$990.00} within the timeframe I have to wait just for my account to be out of the negatives, in addition to the extra {$210.00} they charged as well.
Company Response:
State: MO
Zip: 63116
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with Nelnet directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue Nelnet. I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I went to XXXX school at XXXX beginning XX/XX/XXXX. I worked hard, went to school summers, and graduated in XXXX of XXXX. I borrowed student loans to pay for my education. The university made it seem like they were giving money away. BUT, I signed the papers and borrowed the money. I borrowed about {$26000.00} for each year I attended. My student loan debt was well below {$100000.00} when I graduated. Once I graduated, I could not find employment, and worked in other jobs. I found paying off my loans to be very difficult. The loan servicing company was constantly telling me to defer or forebear. No one ever told me that I wouldn't get a job, and that the interest would continue to accrue to unimaginable amounts. I at {$30000.00} more now than I did when I graduated from XXXX school, after 25 years of on and off payments. I have been paying this debt off for he last 24 years, and my current balance is {$120000.00}. This seems egregious to me. I feel that my servicer was constantly just putting me into forbearance. No one would ever lower my payment to something affordable. This seems just blatantly wrong to me. This is as bad as what XXXX did to their borrowers. I need help. I am a public school teacher, everything has gotten so expensive, and prices are going up and up, but my paycheck doesn't increase, and now I can't even get a forbearance because I have exhausted all options. How do you exhaust all options unless? I have paid at least {$50000.00} of this debt, but my debt keeps growing. This should be illegal.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I received a Federal Student Loan from XXXX, upon graduation XXXX XXXX was the servicer on the Loan. As of XX/XX/XXXX my loan was transferred to Nelnet. My payments with XXXX XXXX were {$770.00} at a 6.9 % interest rate. Upon transfer my loan payments are {$800.00} with a 7.125 % interest rate. I was trying to seek information regarding the interest rate increase, in addition to payment and account history since XXXX. Nelnet told me to contact XXXX XXXX, XXXX XXXX told me to contact Nelnet. In the meantime, neither company has account history for the last eleven years, nor can they provide me with answers regarding the interest rate increase. I would like access to all of my loan documents, signed agreements, payment history, etc in addition to an answer as to why the interest rate increased.
Company Response:
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have made a complaint against the CFPB on XX/XX/2022 and they responded on the date of XX/XX/2022. Your response to me through the CFPB asked me to call you to handle this matter. As of XXXX XXXX you received a call from me and you could not conspicuously validate anything but use another form of alleged debt from one debt collector as your own. In with discussion with one of your agents I informed her that stating I owe a debt would be a violation of 15 USC 1692B ( 2 ). She could not rebut that statement therefore, she knew that It was illegal. I told XXXX I rescinded all of my signatures and she said that I was opted in. I felt completely violated through her use of tone and through that statement alone and told her that that was unauthorized use of my credit card when I have not applied authority 15 USC 1602 ( P ). Again a credit card is defined in 15 USC 1601-I so my social is a form of a credit card. After I explained that to the agent, she went on saying they have not used my credit card ignoring the validity of my factual statement. She went on in silence waiting for my response and told me it was a loan transferred over from XXXX XXXX and continued to tell me she had all of the promissory notes in front of her and willfully confined to tell me I owed a debt which is a violation of 15 USC 1692B ( 2 ) and 15USC 1692E ( 10 ). XXXX did stated that I agreed to to the transfer of debt in the promissory note as a negligent none knowledgeable adult at the time I will you that the promissory note was false and misleading using language that I clearly did not understand which is a violation of 15USC 1692 ( 1 ). She then went on to say that XXXX XXXX Sold their whole portfolio of student loans to another entity by the name of XXXX XXXX XXXX trust which would be a 3rd party debt collector and First Mark Services is the servicer. That is a violation of 15 USC 1692D ( 4 ). Once again I can not owe any debt, because I have extended my consumer profile and debt is never I the positive. Every violation I sated above through this whole statement she kept saying she didnt understand, and kept referring back to documents I have not signed with them. I then repeated to her where did I sign a contract with First Mark Services. She could not give me a valid answer. You have not only lied, but taken my identity using my social and signature, which is identity theft. She went on saying of course you didnt. That Is all the proof I needed to prove I never had a contract or owed you guys anything. It is an illegal debt. You have also stated you are not against the FDCPA, but you have contradicted the very things you said you didnt do. I am entitled to a civil liability 15 USC 1692k which states that for each violation on the FDCPA you will be fined XXXX. I am demanding that the balance on this account be zeroed out, send me back all of the payments I have made totaling XXXX, and to delete all of the consumer reports you have sent to the credit reporting agencies. To go more in depth with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ). It states, The E-Sign Act allows the use of electronic records to satisfy any statute, regulation, or rule of law requiring that such information be provided in writing, if the consumer has affirmatively consented to such use and has not withdrawn such consent. I the consumer have rescinded my signature under XXXX contract XXXX and I have never consented for a signature in the first place which is a violation of 15 USC 1681B Furnishing a consumer torpor without the consent of the consumer, 15 USC 1681 ( A ) ( 2 ) ( B ) Furnishing an account that was created from a credit card or similar device, and 15 USC 1602 ( P ) Unauthorized use of a credit card when the user does not have implied authority. Also a credit card is denied in 15 USC 1601-I. The FDCPA 15 USC Never uses the term Borrower, because there is no such thing as a borrower. In fact, to state that I owe any debt is against 15 U.S. Code 1692b ( 2 ) Once again, I as the consumer, Natural Person, original creditor can not have a loan because I have extended my credit via 15 U.S. Code 1602 ( g ). You have used my credit without authorization which means you are in violation of 15 USC 1692J Furnishing a deceptive form to make the consumer believe they owe a debt, and 15 USC 1692B ( 2 ) Stating a consumer owes a debt. Debt does not have a positive balance so how can I owe anything that has a positive balance? This makes everything First Mark Services said invalid. You are also in violation of 15 U.S. Code 1692 Congressional findings and declaration of purpose because you have not only used abusive practices to collect this alleged debt, but you have also used Inadequate laws, and Interstate commerce. You have stated that I acknowledged the account was mine because I have made payments. I made payments because you have harassed me and threatened to hurt my consumer profile which a violation of 15 USC 1692d and FCRA 15 USC 1681. Not only that, you and XXXX XXXX are in violation of 15 USC 1692D ( 4 ) the advertising or the sell of a debt to coerce payment and 15 USC 1692E ( 10 ) Using deceptive means to coerce a consumer into paying a debt. You have not only denied my request of validating that I owe any type of debt, but continued to use vulgar language as well as harassing me for this alleged debt. You have then asked me to send you private information so that you can fraudulently charge me for more alleged debt. This is a violation of 15 U.S. Code 1692b ( 1 ). I have sent you my name, address, number, account number and social through the CFPB as well as mail which has all the information you need. You also already have my number in the system, which is why you keep calling and harassing me.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A