Date Received: 2021-12-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$11000.00}. In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Great Lakes Services has violated federal law by stating that I owe an alleged debt. Im pursuant to 15 U.S.Code 1692g, I am demanding validation and documentary evidence of this alleged debt. In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.
Company Response:
State: TN
Zip: 38106
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I, XXXX XXXX XXXX, give authorization for Nelnet to move forward with this complaint. I, XXXX XXXX XXXX, a natural person, signed a negotiable instrument, a promissory note, with FAFSA ( Free Application for Federal Student Aid ) on XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for Eastern Michigan University. An negotiable instrument is a " note '' if it is a promise and is a " draft '' if it is an order. If an instrument falls within the definition of both " note '' and " draft, '' a person entitled to enforce the instrument may treat it as either pursuant to UCC - 3-104 ( e ). I am acting in good faith that I signed an negotiable instrument and accord and satisfaction by use of instrument. Pursuant to UCC 3-311 Accord and Satisfaction by use of an instrument, that " If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, the following subsections apply. '' Pursuant to UCC 9-102, a " Promissory note '' means an instrument that evidences a promise to pay a monetary obligation, does not evidence an order to pay, and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. Nelnet ServicingXXXX a bank, is reporting on my consumer credit report of alleged debt that I signed an negotiable instrument for repayment. Where did Nelnet get the evidence of an order to pay or when did they receive the deposit of money or funds?
Company Response:
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I missed a single payment, during the pandemic in XXXX. I made this payment back, their incomplete computer system did not mark it as much, and negatively affected my credit score after marking my account as delinquent. This happened again, in XXXX. I missed a single payment, and since, their computer system has marked my account with an excessive amount of passed due days, more than what is accurate. Their system also did not recognize payments that I made, even with receipts of the payment. I have spoken to multiple supervisors about this, with no resolution. I had to submit a support ticket, and call in myself, as a customer, to check on the status of their system bug. I am still 'in delinquency ' and the amount they are trying to collect is Double the real amount that I owe. I have no idea when this problem will be fixed, or if the XXXX points i lost on my Credit will come back any time soon. I can't refinance this loan with a worse score now. Awful, I feel trapped with a company that has nothing but bugs in their system. Not in my control, not my fault, shouldn't get hurt because of it. They hang up on me when I call, I have to call multiple times. I have never had such a horrible time with a borrower. They have negatively affected my Credit, over small issues that are not within my control. They can not operate as a business if their systems in place are broken. They have a XXXX XXXX with the XXXX Put them out of business. These loans were previously with XXXX XXXX, and we all saw how they dropped Student Loans after so much bad press. This company is worse than XXXX.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Upon doing a IDR ( income driven repayment ) plan on my original XXXX loan taken out in XXXX, I received XXXX ( XXXX ) notices from Great Lakes XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that the XXXX XXXX account with the XXXX XXXX XXXX XXXX, in both emails are Paid-In-Full. However, once it showed paid-in-full, I got an alert from XXXX and now shows the same loan with the EXACT information opened on XX/XX/XXXX, which i NEVER opened a new loan. This is an existing loan from XXXX. They are refusing to take this off my credit report after multiple disputes.
Company Response:
State: FL
Zip: 32571
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear Sir or Madam, 1. NELNET XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on 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 immediately disputed this information with NELNET XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's 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. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
Company Response:
State: TX
Zip: 75061
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had four student loan accounts with you. On my credit report, it shows late payments back in 2015. Could you please provide me with proof that I was late on my payments? These late payments are damaging my credit score & affecting my getting approved for a home loan.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made a large payment to my consolidated federal loan ( {$2000.00} on a ~ {$14000.00} loan ) on XXXX XXXX, 2021 believing that it would allow me to advance my due date once the current period of forbearance is suspended in XXXX. Nothing on my servicer 's website indicated that because the current mandatory forbearance period is in effect, I am in fact not eligible to advance my due date. In fact, the service still included an optional box for the payer to select if they wanted to opt OUT of advancing the due date. Additionally, none of the adjacent FAQs provide this information to the borrower. Now they are telling me I can initiate a refund request, which they say can take 90 days to fulfill, and then make the payment later.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I wrote letters to Nelnet LNS, XXXX, XXXX and XXXX about inaccurate items on my credit report including duplicates with both accounts. I didn't get a response after 30 days about the inaccuate information.
Company Response:
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX I reached out to ombudsman and Great Lakes after personal info kept changing and when I noticed loan amount had significantly increased- at the time I didnt know where ( what area ) I had to go through loans ( XXXX XXXX and XXXX were the two that seemed off ). Note beginning in XXXX and XXXX noticed theft of personal documents I had been organizing ( credit reports, XXXX XXXX Great Lakes XXXX XXXX XXXX bank XXXX XXXX XXXX credit card, XXXX XXXX ( now XXXX ) and loan documents were turning up missing- I had them in folders in a wide cardboard filer first XXXX XXXX entire folder then Great Lakes XXXX XXXX and credit reports I had a tote of XXXX XXXX documents and class work- they took that ) I found only a few items and loan papers I hid when I learned what was happening - also when my daughter and I separated she kept a suitcase of papers, yet they got to that when she gave it back - they took XXXX promissory noteXXXX if these were investigators they should have returned it. It was not felp loan and not a bank loan. I disputed Amt. type and they sent it to Nelnet someone came in taking and planting documents fake promissory note crooked on bottom and an extra XXXX XXXX loan distribution list - plus I requested the schools information and again fake info put together ( semester vs qtrs, info inaccurate including transactions and loan info, personal info- sent me somebody info modified- often I saw a re-creation attempt using anothers template fake transcript XXXX and others. No letterhead on letter and more. I tell wats wrong and its made better to fix forgery. In addition, all XXXX broke loose once I disputed or attempted -increased invasion of every area of my life- I was XXXX XXXX XXXX XXXX XXXX They came in my apt many times- often in night while sleep. They did things to make it seem like me and to tarnish my credibility, slander my name and question or labeXXXX XXXX XXXX I tried to work with XXXX XXXX - XXXX gave her part of loan documents and it was because- it didnt seem relevant to her- theft, forgery, invasion and odd conversations in favor of Great Lakes Nelnet XXXX She seemed to be gathering what I knew, what I had- anything I said they came after-? Honestly had plenty of info. They took police reports. I tried to keep XXXX safe - she left XXXX police XXXX - she listened and was attentive - and I shared documents with her becausei felt I could trust her. I believe She wrote XXXX in loans. The people behind this has connections and another cop said it was cops ( XXXX ) but he didnt do a report and he whispered it to me- Im thankful he felt bad for me but sad he didnt have courage to stand- XXXX XXXX started calling on XXXX ( she called twice in early at number I brought into XXXX XX/XX/XXXX I spoke to her in day XXXX minutes & she left a message a little after XXXX ..and they kept coming taking or looking for what I revealed-? Something was off and I saw deletion or manipulation of her calls ( I did screenshots- did you know technology can change call info in phone? Well it wasnt XXXX it was XXXX and I emailed and saved XXXX copies they got to it so I reprinted that page and they took. I continued to call her and she told me her case was for Great Lakes I needed to do Nelnet I attempted to start a case but I was told by XXXX XX/XX/XXXX that she was told to close case because XXXX case would be reopened it never was I left aboutXXXX messages-? for her to CALL And XXXX made sure my preference was call. Found out someone changed email and preference- regardless I never received a call about case it was a stall Waited for a while- when I recovered fafsa email and learned that there was a cover- up. Things forged with my name differentXXXX XXXX changed my name to XXXX online in one area then produced report in XXXX and took my copies- I have proof my name was hyphenated divorce and marriage all this was tampered with why me-? I was persistent and I noticed a lot that usually overlooked. Note previously I encountered Nelnet rep in XXXX who stated fraud claim was denied because of incomplete submissions - I had been working with Great Lakes mainly because loans supposedly originated there and were moved - I filled it that formXXXX pages/4 they stole them submitted to Nelnet as if it was me and closed their - Nelnet investigation XXXX my dispute- they listed many dates and? I dont know what they were referring to - Nelnet does things and write letters as if you are requesting it- **theft of Nelnet letters occurred often seemly to control complaints- they are evidence- I take photos but they mess with flash drives, computers ( unscrewed ) other camera not working and recently XXXX took film out of camera. XXXX, XXXX they took one of Great Lake pages ( and will likely submit it as if I did it ) * note sometimes they return it i odd places or in plain view ( I pulled tote out closet earlier this year and they sat it i top or they would slip it in an old document/ teaching material to make it seem misplaced- I kept them in folder with a page in between 4 pages. Thats why they only got two. There has been so much illegal activity - I wanted police to do finger prints. I asked for cfpb forms twice. I never got them. I hope this is not stressing anyone - this is real even though it seems unreal. It is too much for agencies to handle .No one should have to go through what I have- it really involved and I have to trust that truth will come out- forged document and manipulation of loan information and more. Its been some weird stuff- I was even threatened and didnt take it seriously at bus stop about better be careful talking about hacking and etc dead like like ( ) two guys with red hoodies warm weather XXXX XXXX could not send faces hidden I told him I wasnt scared. Went home thought about it shared it and realized. Another XXXX questioned me wanted to know who I knew names favors etcsmart phone if I had one,? if I XXXX XXXX XXXX and end of conversation he told me it wasnt over walked out room toward copier noticed XXXX male at table to right my phone came on by self and copier rebooted at same time. As I approached then he slipped out library. I went places and sat and saw them come looking for merecognized vehicles also. Leaving coming work site client homes ( going in my car- able to cause doors to unlocked ) Over years I had been trying to make depth of Ed see the small things that seemed like and was hacking into system - I caught incident at XXXX ( extra email financial aid - lots of system issues on computers and more XXXX and XXXX compromised before it came public, money order theft usps interception certified and manipulation of info. Last cfpb rep wanted all my emails why- I just wanted a form. XXXX XXXX XXXX Recently, Other documents from past taken and a notebook I logged old doc and loan info I found and servicers calls and source ( to compare ) there were only 4 not 6 and part is in consolidation that amount includes. Review info- says XXXX went to consolidation from total distributed if so balance about XXXX. All of loans should have made consolidation in2006 it shows no more distributions after XXXX. Much has happened over past 6 years. I was hacked in XXXX daughter Id theft twice and what they did to me they tried with her loan documents forged found two different fixed rates one high 10 % and the other accurate -? they plan and target you well in advance- planting fake documents manipulating datas documents there is a way of life doing this and entering homes/ apt if COVID spreads this is why- I had to be careful not to investigate and find self in more danger.just now As I was looking for evidence I noticed other case re : XXXX rep and an email not mine ) ( XXXX prints of emails/ document of email missing .recall my bag was in snapped an some correspondences XXXX XXXX XXXX XXXX XXXX, XXXX XXXX docs missing ( forged submission of file without periods and copied onto it and address change on my legal document - From current to do file folder from my bag I believe thats why flash drive messed with and they tossed what they didnt want on table- cant seem to keep up with this12/12/2021
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I re-applied for my income based loan program and linked to the IRS. The link was successful. Now, my interest was capitalized and the program was not applied. I do not belive it is my responsibility to manage the technology of NelNet, and if the link didn't work, they should take steps to rectify. I will call them again, however, the customer service usually provides incorrect information. Last time, the reapplied my payment incorrectly, causing a " late '' payment and the loss of a .25 % interest rate reduction. This company is dishonest and is taking advantage of borrowers just trying to make ends meet and pay off student loans.
Company Response:
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A