Date Received: 2021-07-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XX/XX/2021 I was hit with a late payment from XXXX XXXX on a student loan. I have had autopayment on for this account since its creation. I had 18 months of autopay that didnt have a single late in all of that time. XXXX came around and for some reason this autopayment was shutoff. At the end of the month I was called by a collection company requesting this now 30 day late payment. After receiving this call I was in shock since this was always on autopay. I called XXXX XXXX to ask why the autopay was turned off, instead of getting any help on the situation the customer service rep just stated that I needed to be more careful and keep an eye on the account. I stated that the minute I was made aware of this issue I sent the payment in within minutes however they stated removing this late would be lying to the credit reporting agencies and that nothing could be done.
Company Response:
State: AZ
Zip: 85302
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was in an XXXX relationship and had my life threatened and that of my mother if I reported his financial abuse ( amongst other things ) of my accounts. Once I was able to break free of the individual, whom has countless public domestic XXXX arrest records with me, I filed a police report and contacted all of the organizations that he stole credit cards to, and opened accounts in my name without my authorization and/or knowledge. I would randomly get pieces of mail prior to his ability to pick them out before me about accounts or credit lines I " applied '' for. XXXX XXXX XXXX being the only one left that refuses to stop reporting to XXXX I have disputed with the credit bureaus and XXXX keeps deleting and replacing. Account status Charge off {$5300.00} written off. {$5300.00} Past Due. XX/XX/XXXX : Deleted. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all state " This item was removed from your credit report '' XX/XX/XXXX " updated '' in other words put back, again. XX/XX/XXXX " unavailable online '' Date generated : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX " This item was removed from your credit report '' NO DATE " Remains '' XX/XX/XXXX " remains ''. XX/XX/XXXX " Remains. They have continuously removed and added this account to my file for years at this point. I have reported the account with the FTC, Given the thief 's information, filed police report, and disputed with XXXX and the credit bureaus, I have hired credit repair companies to dispute on my behalf. They refuse to remove this account which was obtained under the theft of my identity. At least they refuse to remove without putting it back two weeks later. The department of education had me rehabilitate my loans under the impression as long as I completed the rehabilitation process successfully ALL NEGATIVE REMARKS WOULD BE REMOVED. However, they simply paid off the original servicer in this case " Nelnet '' and opened with a new servicer in my case " XXXX XXXX '' and made a note on my Nelnet that the loans had been transferred, but not to whom .... So they didn't even imply the new loans with XXXX was a transfer, and that those loans were deferred. The kept all the late payments of " 120 days past due or more '' on all 14 accounts which remain on my report even after PAYING ALL DEBT IN FULL. No, not the transfer, I paid all my student loans off with money inherited by the death of my mother. I completed the rehabilitation, even went a step further and paid them off, and still they report " 180 days past due '' reported : XX/XX/XXXX {$3000.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1700.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$3500.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1000.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$4300.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$5000.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1700.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$640.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1800.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$4500.00} " current payment status XXXX days late '' " Transferred '' Nelnet claims they have nothing to do with the Department of Education and the agreement made between us. Even thought on my credit report it literally reads " DEPT OF ED / NELNET. They claim they don't have to remove anything nor are they going to. I honestly wouldn't have rehabilitated, I would have left it alone. I was under the impression doing the right thing, got returned by getting the right thing done back. I was literally swindled into repayment under terms and agreements, I kept my end of the bargain, however the department of education did not keep theirs.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is different payment history information being posted on all three credit bureaus.
Company Response:
State: MS
Zip: 39157
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loa ns being forgiven. I logged into my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. I was unaware that these loans were even due. Nonetheless, they are inaccurate.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: DEPTEDNELNET They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). Dates : XXXX- c urrent. 28 accounts that they have transferred to collections. Amounts are as follows : {$2000.00}, {$1200.00}, {$1100.00}, {$3500.00}, {$2700.00}, {$4000.00}, {$7900.00}, {$2300.00}, {$3300.00}, {$2700.00}, {$3500.00}, {$4500.00}, {$6000.00}, {$3500.00}, XXXX They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). {$790.00}
Company Response:
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: In XXXX I Attended the XXXX XXXX program at XXXX XXXX in XXXX XXXX Florida. here they were making me pay them XXXX a month as a way to pay off my student loans. this school also promised to get me a job in my field after completion. when I completed the schooling in XXXX of XXXX I was not offered a job or offered to be placed in a XXXX instead when I asked them they directed me to the " XXXX '' website as well as the " XXXX '' website to look for jobs in my field even after me paying them monthly for my student loans and them promising me a job after completion. in XXXX a few months after my completion and as I was still job-hunting the school had to close down all campuses for fraud. this led my job search to be more difficult due to the fact that no job wants to hire me because of the school that i went to. I am currently 7 years after completing the program and have not been able to find a job for this reason. I am currently working for the XXXX XXXX and I am a part of the union which gives me 2 free years of college but I can not take advantage of this great opportunity due to the fact that my student 's loans are in default and I am still not working the job that I trained and competed for and nobody wants to hire me for this job because of the school that I went to. I am trying to better my life and get back to school so I can have a good-paying job but these student loans from a school that was closed down for fraudulent activity are not letting me continue to try to live a better and more successful life.
Company Response:
State: FL
Zip: 33936
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Company Response:
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I got a call from ( XXXX ) XXXX that only lasted one ring. I looked up the number, and it appears to be spoofing another phone number. The caller, " XXXX, '' left a voicemail ( attached ) saying she was from " XXXX XXXX XXXX '' and wanted to follow up on my " public '' loans. The number she gave to call back was ( XXXX ) XXXX-XXXX. I know for a fact that even though my loans are set to come out of forbearance in XXXX, my loan servicers ( Great Lakes Educational Loan Services and XXXX XXXX ) have not contacted me. I also have never heard of " XXXX XXXX XXXX. '' I believe this is a scam for student loan consolidation/management.
Company Response:
State: OH
Zip: 44094
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2021 I contacted Great Lakes Borrower services to get information on compassionate reconsideration for late payments on a previously defaulted XXXX XXXX # XXXX. I was instructed to mail in supporting documentation and did so. I sent corroborating documentation showing not only was I on XXXX XXXX XXXX from work during the timeframe of the delinquency but I was also XXXX and without a working phone. This was shown in email correspondence with case workers from XXXX XXXX XXXX XXXX that they received a message that my phone was out of service when they tried reaching me. Great Lakes Borrower services agents told me that notification was mailed to my address that my loans were in danger of being transferred to collections but od be evicted from my apartment and therefore could not have received that notification. During the time I was XXXX I did contact Great Lakes Borrower services to try and apply for payment relief but was told there were forms that needed to be submitted to prove my financial circumstances had changed but without a permanent address because of XXXX or working phone or valid identification this was impossible given that correspondence would need to be submitted either by fax or scanner or email none of which I could afford since these services are not available free of charge in the city where I live. After submitting these documents I was told that even though the documentation proves my financial circumstances would have qualified me for relief since they were not submitted prior to the loan default then no consideration would be given. I asked why that might be an was told that rule was at the discretion of the Department of Education. On XX/XX/2021 I contacted the Default Resolution Group on behalf of the US DEPARTMENT OF EDUCATION and was informed by a supervisor that no such policy exists and that sole discretion of compassionate reconsideration of late payments was completely up to the loan servicer. Im asking that my case for reconsideration be given based on the merits of the information I submitted and not a nonexistent policy supposedly put in place by the department of education. Ive attached all the documentation sent to Great Lakes Borrower services.
Company Response:
State: KS
Zip: 66047
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I provided Great Lakes CEO with Notorized Affadavit that I am denying the loan and I refuse to pay. I have evidence as a consumer of Cease and Desist letter that have been ignored. I have itemized over XXXX violations to Great Lakes the debt collector. I have received a receipt they have received my request and they have refused to comply with the Federal Laws 15 USC 1692 A
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A