Date Received: 2021-04-02
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: There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Company Response:
State: MA
Zip: 02062
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX XXXX I was asked about my email, I then confirmed it after that I got an email saying with a pin that they said they needed to access my account after giving it to them I then got an email saying my password had been changed. After getting into my student account they had access to all of my information when they then verified all of my information with me. They then had me set up payment plans and got my debt card number. They then set up a payment for today of $ XXXX.They sent me emails of things to sign I did and then I got another email about forwarding my last two pay stubs to them to show my income to determine my average on what my loan payment would be. I sent them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08332
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: When COVID hit I lost my job. After learning of forbearance options ( XX/XX/XXXX ) we started the inquiry process with our lender, Great Lakes. However, once we were provided Great Lakes terms which require full payment of all skipped months on the first month concluding the forbearance ; we informed Great Lakes XXXX in writing ) that we would not be proceeding. Several months later XXXX XX/XX/XXXX ) we started refinancing applications and learned that Great Lakes had reported our loan as being in forbearance. Regardless of Great Lakes error, we were able to complete refinancing with another lender. ( The entire time I continued communications with Great Lakes to have the error corrected ). Today ( XX/XX/XXXX ) Great Lakes informed us that they would do nothing to change the reporting, as the loan is no longer with Great Lakes. They included some gibberish that the comment in the credit report should not be stored historically. This is truly the worst type of error during a national crisis. Theyve never stated appreciation for our business, refused to provide forbearance policies that would actually assist clients in a time of need and now refuse to correct their error - horrible!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX, the office of Federal Student Aid began providing the following temporary relief on ED-owned federal student loans : suspension of loan payments, stopped collections on defaulted loans, and a 0 % interest rate, retroactive to XX/XX/XXXX as I recall. Despite 0 % and no payments required, I have been paying each month since then. Despite my instructions, Great Lakes Student Loans has failed to apply my extra payments to the principal balance. They claim that they can only apply payments to interest until all interest is paid. This is in direct contradiction with what I have heard from you and from them when I have called in the past. They have applied some of my extra payments ( made prior to this past year ) to prinicpal when I included the extra payment in the autopay cycle. I believe they are acting in bad faith and refusing to apply my extra payments to the principal as they should because they never want me to be able to pay off this loan. I took out the original loans in XXXX with DOE via XXXX, 6 loans for a total of $ XXXX. Before I even graduated those loans were sold 2x and again 2x after I graduated. This meant my interest was capitalized ( and my principal balance mushroomed ) before I was even in repayment. I fully paid off 2 of the 6 loans right away, though it appears XXXX illegally kept those loans open with {$1.00} and {$37.00} balances. XXXX I was duped into consolidating onto the PAYE play with a fraudulent and now defunct company called XXXX XXXX XXXX XXXX. Despite paying since XXXX, and paying well all the real principal, I still owe 120 % of what I borrowed to to shady practices of servicers like this XXXX. I want them to do the right thing and apply the extra payments I have made from XX/XX/XXXX to XX/XX/XXXX to my principal balance. Should they fail to do so, I will have no choice but to pursue any and all legal avenues open to me. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Dept of Ed/Nenlet. Dept of Ed/Nenlet has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Dept of Ed/Nenlet. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Company Response:
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The company is Nelnet the loan was sold to another company for refinancing.When I had the loan I paid one bill now the bill is showing up multiple times on all three credit bureau and being listed up to four times on one report.l called Nelnet and they said I had multiple loans. I recall my last payment with them being in XXXX. They have it listed as XXXX ; which is incorrect.l have filed a dispute with all three credit bureaus and requested my payment history.They made a mistake and put the correct payment history up any the the time I went to print it out it had changed.
Company Response:
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called Nelnet and submitted disputes with all Three bureaus. Nelnet updated late payment reporting on one bureau but has refused to update the other two bureaus. I have been getting the run around without a response. I am lost on why just one bureau would be changed but my two other bureaus are still being hit. Please help, this whole process has been so frustrating.
Company Response:
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been logging on to my student loan account at Nelnet to make my payment. I don't know my account # or user name and have been logging on by providing my ssn & dob. Now it won't recognize them and have been going online for several days now trying to make my payment. I tried the chat which is really just a ruse to get me to take advantage of services I do not want. The email feature won't let me communicate w/out an account number. I work in a XXXX XXXX myself and can not talk on the phone during the day and into the evening so my ability to make a call. Now I am late after working for some time now. I mention this because this is a grossly unnecessary problem and barrier created by the student loan companies that causes honest law abiding past students from being timely. I have been caught in these thickets of XXXX and obstruction by student loan services before including being put in default. These days when they WANT us to go online but make burdensome and obstructive. It is NOT a category of complaint on your website but I know from first hand experience this ensnarls thousands of students already having a hard time even affording payment and will never work off even the interest. Please do something to make student loan servicers truly easy to access not just trouble making cosmetic and difficult to access.
Company Response:
State: IN
Zip: 46202
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: About XXXX of XXXX I submitted a request for a COVID-19 forbearance for my student loan held by NelNet. It was approved and remained in place until about XXXX of XXXX. It was widely reported that student loan payment relief was extended through XX/XX/XXXX. In XX/XX/XXXX, NelNet began to contact me about repayment and it was even a much higher payment than it should have been in relationship to my income-based repayment plan that was approved on XX/XX/XXXX. It was in the $ 700/month range rather than the $ XXXX/month that it should have been. That notwithstanding, my loans should have remained in forbearance as they had been for the previous 7-months or so. Nothing changed and again the relief was extended to XX/XX/XXXX. In about XXXX of XXXX I received notification for XXXX and XXXX that my NelNet loans were greater than 90-days delinquent ( about a year in total ). I called NelNet and they ended up applying a forbearance that brought my account current, which is now reflected on my credit report, but my credit score dropped from XXXX to XXXX, over XXXX points and that drop is still reflected today.
Company Response:
State: MI
Zip: 49546
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was affected by the 2017 XXXX Data Breach, everything presented below is proof of fraudulence from that breach. Below are the listed violations and accounts with exhibits that have committed such violations. This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX, and XXXX by sending it to collections and on my credit accounts. I have no knowledge of this and want them removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person, etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. No consent by definition is identity theft. No permission was given to this company or any consumer reporting agency to have my consumer information which is a violation and infringement of my consumer rights and most detrimentally my rights to privacy as a consumer. By federal law any authorizations made from the extension of a credit card ( SSN, ID, or Plate ) should not be included in a consumer report.
Company Response:
State: CA
Zip: 92532
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A