Date Received: 2021-10-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. NELNET is violating my consumer rights under 15 U.S. Code Chapter 1692-15 U.S. Code SUBCHAPTER VDEBT COLLECTION PRACTICES. There are multiple federal violations that the NELNET is grossly violating. I have also submitted an Affidavit of Fact and a demand of removal from my consumer report. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I XXXX XXXX XXXX, am the ORGINAL CREDITOR and extended the credit to NELNET. I am holding NELNET is civilly liable for their gross negligence. Attached is a copy affidavit of fact that includes the FDCPA violations and resolution.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: When logging in, the company has an old loan amount that populates online. There are 2 accounts - 1 ) my current student loan and 2 ) and old student loan from YEARS ago when I refinanced to get away from these XXXX. XXXX XXXX sold the loan back since then I've opened at least 3 CFPB complaints for XXXX behavior and will continue to document their scam tactics. Currently, I'm making calculated overpayments on my loan, but I'm unable to see anything because their website continues to direct me to payment history of the paid off 2019 student loan - I'm unable to access the payment history for my current loan.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have repeatedly made urgent attempts for help due to my student loan being wrongfully debited to my personal credit score and situation. I have tried numerous times to get remedy for what I know was not a true and valid or justified debt due to what I described as a breach of contract. I was denied when I applied to the dept of education in my effort for exoneration of my student loan debt. I was not properly enrolled and was deceived and cohersed into getting into taking online college courses through XXXX University back in XXXX. At the time of my initial phone call solicitation to get me to participate. I made it a point to the sales representative for XXXX University that I would only move forward in an effort to obtain an XXXX XXXX in Psychology if I was not having to or required to go through or take courses involving mathematics. I was assured that as a career directive in psychology that math would not be required. To further convince me of this concern I had, I was also told that a person in psychology does not need math to do this type of employment or career .. which I knew but needed to get this nailed down and confirmed prior to moving forward. I was enrolled, I applied myself attended my courses and was doing very well .. XXXX months into my schooling I was now scheduled for math classes and I was very unsettled as I specifically was told I would not have to particiate in any schedules that were math classes. I was out and out lied to. I contacted the school and the loan servicing company who is Great Lakes Borrowers in the mid west.. each entity referred me back to each other to where I was not getting any results whatsoever. I literally found myself reaching out to XXXX contacts across the globe to please help me get through this now mandated math course and classes I was scheduled against my will and against what I agreed to. Soon afterwards, I suffered a traumatic injury requiring XXXX. With being a mother of XXXX young children, and all that was going on, I chose to stop participating in my courses for college. Soon after this, I was being billed for student loan debt in the $ XXXX range.XXXX now reaching debt due to interest accruing upwards of over XXXX at this time. I am in objection and disbute and have been for quite some time. I applied for student loan forgiveness and was denied. this was some time ago. Most recently, in or about XXXX of XXXX I literally borrowed money from someone to get this loan paid off because it was front and center on my credit report .. Once I went to pay for it.. I was so aggitated I called great lakes borrowers again to tell them. hey I paid this off ( I borrowed the funds to do so - and you need to once again know that I am in total objection to even owing this debt because I was utterly deceived and mislead and lied to from day one ) To my surprise, the Great Lakes Borrowers representative I spoke to ( my reason for calling was to immediately remove this off my credit report ) told me that I seriously should consider re-applying for Borrower 's defense.. and I responded that I did apply and was ultimately denied.. I was then informed that while that is true, there are now 'changes ' that now include being mislead and mis informed that are relative to my situation for which I originally claimed to get some relief.. are now being included and to re apply. So I did! I was given a borrower 's defense link, 24 pages long, filled it out, printed it, signed it and placed probably about a dozen stamps to a brown manila envelope and personally handed it to my usps mail carrier in XXXX of XXXX. Some time /weeks went by and I called XXXX XXXX XXXX my XXXX XXXX and was informed that there was a dispute filed under my ss number directly relating to this student loan debt.. I was like wow okay cool! someone got my application and forged on to start processing my plea for relief.. Upon reaching out to the dept of education.gov for student loans was shocked to be then told that they never received my application for borrower 's defense! I was like .. seriously? it wasnt ever returned to me by mail as being undeliverable! so someone got it and why would XXXX tell me that a dispute was filed XX/XX/XXXX? I never contacted XXXX directly myself. so someone had to have and it is DIRECTLY related to this federal student loan debt that I have profusely had conflict and objection to owing. I was never told I was taking out a loan in the first place.. I was actually told that due to my low income status that I qualified for schooling through college with a grant. so imagine my utter shock and upset .. both lied to about what courses I would be required to participate in as well as the loan /debt situation.. in addition being a victim of bogus help with employment once I graduated and got my certificate.. They were never able to guarantee this benefit.. and have since closed and gone bankrupt as a school.. When I called Great Lakes Borrowers, the rep said she alone has had over 30 complaints for students who were enrolled with XXXX University.. I did not know about that but it goes to support my debt situation here.. I am devastated.. This school loan has ruined my life and livelihood as far as being able to obtain credit so as to buy a home for myself and XXXX children. I have additionally re-filled out the supposed non received application by the dept of education and where it got to the signature line, was prohibited from signing my name.. strange huh? so I chose to take the date variable input .. put my name and then the date to re-submit my application for relief.. to date I have not had any attention or response to my re-application for which I emailed them once again saying I sent my printed out application, filled out, signed and mailed via stamped manila envelope handing directly to my mail carrier in early XXXX and since it has not been returned as undeliverable, since it has been noted as a dispute with XXXX upon my calling about my credit report, I can only presume it's been received and otherwise .. placed in a circular trash can file. or burried and just ignored. Either way, I am very concerned as this student debt is NOT valid not justified and needs to be dissolved. I have tried every which way you can think of to plead my case and I seriously do not feel like I should be punished or penalized based on this specific situation and personal scenario I am plagued with unjustifiably. I need an advocate.. I need help! please help me.. please intervene on my behalf. Let me know what else you may need to move forward. Thank you for your attention and courtesy to my inquiry for help.
Company Response:
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Over the greater part of the last year I've been disputing inaccurate credit reporting on the behalf of Nelnet. I've completed countless dispute with both the creditor bureau and Nelnet to no avail. My latest dispute was a recent as XX/XX/XXXX. I was notified in writing Nelnet reviewed my account and an adjustment was made and reported to the bureaus. It's now XX/XX/XXXX and Nelnet most definitely made an adjustmentit 's just further inaccurate. I'm disputing accounts that contain late payments as recent as XX/XX/XXXX. Well, unless you've been under a rock, there is a government mandate to cease loan payments until XXXX due to Covid 19. To add insult to injury the accounts I'm referencing have been closed since XX/XX/XXXX. So in a nutshell I'm receiving late payments on closed accounts, despite the government mandate. In all it's a total of 6 late payments. My credit score has taken a 42 point hit because of this and no one seems to care to help, including the CFPB. I've attached a copy of my most recent credit report for review. Also, I explained to Nelnet that as a consumer I have the right to privacy and I never authorized Nelnet to report on me. I was told that information was included in my XXXX, which it does have a section entitled " credit bureau notification ''. However, my understanding of 15 USC 1681a ( d ) ( 2 ) ( i - iii ) is that the report excludes information solely as to transactions or experiences between the consumer and the person making the report. In addition, the corporation or any of its affiliates has to be explicit in communicating with the consumer that said corporation ( Nelnet ) intends to share any private information prior to initially sharing it with a third partyallowing the consumer to direct that such information not be communicated. I at no time neither via writing or verbally was disclosed this information. So in essence, Nelnet is wrong in reporting wrong information, wrongfully.
Company Response:
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: " I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved '' Violation of the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft. Nelnet Account Number : XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. For this reason, You violated the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.. 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft. Nelnet Account Number : XXXX. As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. For this reason, a deletion of the above account is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. Notice, it is a fact, that, I, agent for principal XXXX XXXX and XXXX, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as Department of Education, XXXX, XXXX, XXXX, and Nelnet has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation
Company Response:
State: MI
Zip: 48108
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Today I called the Department of Education/Nelnet to ask about why I have three months of late payments. I spoke to two supervisors to find out why did this happen on my XXXX account for the months of XXXX, XXXX, and XXXX when I filled out my application in XXXX the beginning of the year! Yet I was told that they received my application but they claimed they sent me other records of things that I needed to do but I did not receive any of the records they are speaking of. I asked what address did they send those documents to and they did not have an address on file, in fact they said the documents that they sent returned back to them. So when I sent my application in with address on it then why did they not have my address on file They are lying about sending documents to me. Then the supersivor stated that the only way they could remove the those three months of late payments was if I had cancer or in the military or in school.This is not fair for when they said they sent something when they can not even tell me what address they had on file. Nelnet have violated the Fair Credit Reporting ACT and damaged my credit score. I will be taking legal action soon for {$1000.00} per violation. 1. Please show me proof of my address 2. Please show me what documents you are stating that you did not receive with my application.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NelNet Lns is showing me late when i have never been late. When the account in XXXX was placed on my credit I was in school. And they placed a late on the report. I called them and they agreed to remove it and then a month later they placed it back on. I am asking for them to remove the late and the mistake they had placed on my report immediately. It shows i am late XXXX XXXX XX/XX/XXXX at 120 late. At best it would only have been 30days. But i was NEVER LATE. I have attached a copy to this complaint to look at.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I had student loan from 2010 when I was in college. The student loan is for XXXX XXXX in XXXX, FL. The loan was suppose to be for XXXX I paid XXXX of it. I owe XXXX left, I been gradually paying it over the years. but the impact of the remaining balance have left my credit score tremendously low. it was originally at XXXX but I got it down to XXXX on top of paying the other loan. Again its been open and I would like this resolve from my account. its XXXX XXXX service US Department of Education.
Company Response:
State: CT
Zip: 06112
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made two payments fairly close together. They are refusing to recognize the second payment and say that it is still due, no one has since tried to assist. I have sent them proof of payment and relevant reference numbers and no one is responding to me. 1. I made two payments ( {$400.00} each ) which cleared on the XXXX of XXXX and the XXXX of XXXX. 2. On XX/XX/XXXX they deducted the first payment but are still to date not acknowledging to the second payment. 3. I have emailed three times and received a response ONCE on the XXXX of XXXX.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A