Date Received: 2022-01-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XX/XX/XXXX, XXXX contacted Nelnet, whom Ive paid for my student loans for years, to find out who has my loans now ( since I consolidated for the XXXX program ), I was given a phone number to call. When I called the number, it was a number connected to a student loan processing center ( LLC ). I was lead to believe this company owned my loans ( bought from Nelnet ). XX/XX/XXXX, XXXXWhen I contacted the company whom I thought had my loans since Nelnet gave me the phone number, The agents walked me through the loan forgiveness process telling me I qualified to have over {$5000.00} of my loan forgiven. They assured me they would set me up on a payment plan and had all of my loan information, social security number, and personal information ready to start the process. I went through their 3 steps they insisted I write down and walked me through the contract process given them permission to start the repayment process. I sent them a picture copy of my drivers license as well. When I asked about payment set up, the agent assured me that it is processed through another office because she was not able to take payments for confidentiality purposes. Once I gave my debit card information to the person designated for this, I was assured that they would contact me before debiting my account. Later that day, I kept seeing emails from the Federal Student Aid ( FSA ) website stating my password was changed. While I was on the phone with them earlier, I didnt realize I was giving them permission to go into my account. During that time, they changed my account personal questions so they could continue to have access when I changed it ( I contacted FSA and we figured out this was how they kept access ). I immediately called FSA to see what is going on to find out I was scammed and that FedServicing Loans has my account. I called my bank and cancelled my debit card immediately. I then emailed the LLC to cancel services and request a full refund for the {$490.00}. I received a call from someone the next day who requested a credit card number to issue the funds back. I refused and went to my bank to rectify. Since, Ive contacted XXXX, experian, and worked with my bank compromised. I waiting to hear back from my bank on the verdict of the reimbursement.
Company Response:
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I made a payment of {$760.00} to the United States Department Of Education loan provider Great Lakes. Which was posted XX/XX/XXXX. The reasoning of this complaint is do to the fact that I currently have reviewed my credit report for XX/XX/XXXX. Understanding the credit report is inaccurate stating I owe a stagnant debt of {$760.00} to the Department Of Education for a federal loan. Do to the provider of Great Lakes company incompetency and failure to report my payment to the credit bureau agencies .I have a bank statement providing the evidence of my complaint and asking may this problem be rectified please. Great lakes contact number XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
Company Response:
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
Company Response:
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Great Lakes refused to remove an email off of my account ( first rep said she would remove it XX/XX/XXXX XXXX am. second rep called it out and said they had to leave it on XX/XX/XXXX XXXX ( even if I DID NOT give the EMAIL to them??? ). Doesnt make sense!! Prior to these dates that I called both dates Great Lakes requesting loan information and when I spoke to rep she verified me and called out an email that I did not give to any loan servicer. That email was not on my account- I had none listed just a phone and address ( XX/XX/XXXX XXXX pm it confirmed something regarding my loan account - there has been access to my fafsa recently and great lakes account in past ( I received a mailing in a Great Lakes envelope with an online printout that only a user could access- not general things they send out. Also with fafsa I had to change email again because some one got in and changed it to either an old one ( hacked or another ) and I was only able to get in through my phone # but I shouldnt have because it was not verified on fafsa account. Whoever was in it they waited until I was in the hacked email and then they signed out ( it said I was signed in another location ). Late XXXX I signed into fafsa and noticed XXXX promissory note gone ( XXXX and my name was hyphenated ) I was in there mid XXXX so I know it was removed between XXXX of XXXX. A rep from dept of Ed said it wasnt there anymore XXXX XXXX she was also was concerned about Great Lakes ( maybe even Nelnet I told her ) having my fafsa ID and told me to block account or change it. Its been crazy and I dont trust either servicer. Loan info mixed up based on documents I found - someone modified information on loan account - I recall Great Lakes asking me about my consolidation- who was it through-? if they owned it? Wouldnt they know? Totals off with loans they sent to Nelnet should be less and type of loans is wrong ( not flep ). My loan info is being manipulated and someone is pretending to be me am I supposed to not protest - inaccurate info/ loan info etc. each time I do I get backlash/ harassed and my phone compromised- etc more.. Did dept of Ed Great Lakes get Hacked they said they ( XXXX ) were letting go Nelnet and Great Lakes. We need help out here!!! I pray truth will come out soon!
Company Response:
State: MI
Zip: 48198
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
Company Response:
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: To whom it may concern : In 2018 I applied for and XXXX, I sent in my application as well as my proof of income which at the time was all I was told to send in. Nelnet stated that I was missing information ( one or more items missing ). They stated that they tried to send me the items that was missing in the mail and when I asked what address they sent it to, their reply was that they did not have my address on file ( if I turned in an application, I would think that my address would be listed on my application ) which is a contradiction because later on in their letter they miraculously found my address of which they claim they were sending bills out to my address, but it was only after I sent this to the CFPB that they so call found my address. They stated that they were sending me emails and calling a number that I did not have. Any time I get a new number or new address I know it is protocol to call and update my information which is something I have always done so I don't understand why they are saying they didn't have any of my updated information! This is all just a misunderstanding and they are punishing me for their mistake! This is not fair because this has caused me hardship and damage to my credit report! I have attached a copy of the letter where they are contradicting themselves. I would like for these late payments to be removed within the next 30 days or I will have my consumer lawyer get involved with the matter and sue for damaged to each of my credit reports
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am XXXX that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Thank you,
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am distressed that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Thank you,
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am distressed that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Thank you,
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A