Date Received: 2023-12-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am XXXX and trying to apply for a Total and Permanent XXXX discharge of my loans. I had my doctor fill out the form, I scanned it and emailed it to Nelnet as per their directions. A month later, they sent me a letter saying that they did not receive a complete TPD application from me. The letter said that they received the second page and were missing the first page. I double checked the attachment on the first email I sent and verified that I had sent the correct and complete document. I thought that maybe their email system did not recognize that there were XXXX pages, so I rescanned the document, and emailed it in response. XXXX month later, they sent me a letter saying that they received the first page but never received the second page. I double checked the second email I sent and verified that the attachment I sent had indeed both pages attached. I decided this time to send the actual document through the mail to Nelnet, as per their directions. Apparently, despite what they instructed consumers, their website is not equipped to handle XXXX page attachments. XXXX month later, ( XX/XX/23 ) I received a letter saying that my doctor did not complete the first question and the whole application needed to be redone. I opened the attachment of the scanned document I had mailed in, and I can see the first question filled out in my doctor 's handwriting. I feel that this is a matter of discrimination. I feel that Nelnet says that they will take care of all customers despite any difference that they XXXX have, but they are deliberately making this situation nearly impossible for XXXX people. I have 60 days to correct this issue or they will throw out my application. I called Nelnet and spent XXXX minutes on hold listening to an automated message before I was given any options. I entered my information 3 times and was told by the computer that there was no account with that information. I have been going through this since the beginning of XXXX. I am determined XXXX by the XXXX, but because my condition was at the time unknown, I must have my account reviewed by XXXX in XXXX years. This is why I have to go through this process for TPD.
Company Response:
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have tried emailing through the portal and calling the company about the status of my SAVE plan and application. I haven't received a response through email and I wasn't able to get ahold of anyone through my phone call. I requested information related to my loans being placed in " XXXX XXXX XXXX '' and my payments continuing to be delayed after applying for the SAVE plan. I have not been able to get in contact with anyone and my payment date continues to be delayed with no actual communication. My application was completed on XX/XX/23. My interest continues to accrue daily and I would like my payments on the SAVE plan to start, so that I can benefit from the plan. I never requested a forbearance to be placed on my account.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I trust this message finds you well. I am writing in response to your letter concerning my federal student loan account with Nelnet Loan Servicing. I appreciate your attention to my concerns and the ongoing investigation into the reported identity theft. Upon careful consideration, I want to emphasize my main concerns regarding Nelnet 's reporting on my credit. These concerns are paramount to me and necessitate urgent resolution : Lack of Consent for Contractual Agreement : I have not received any evidence or clarification regarding my initial consent for Nelnet to conduct business with me. It is fundamental, under applicable laws, to demonstrate proper authorization, including a wet ink signature, for any contractual agreement. I request that Nelnet promptly provides documentation proving my consent for them to contract with me. In the absence of such proof, I insist on the removal of Nelnet from my credit report. Inaccurate Reporting as per FCRA : The inaccurate reporting related to my federal student loan account is adversely affecting my credit standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request the immediate correction or deletion of any inaccurate information on my credit report attributable to Nelnet. -account number ending in XXXX alone has 3 different Dates opened being reported inaccurately on each credit bureau . in fact, all of your accounts are reporting inaccurate dates opened which has been harming my credit profile and this is the 3rd time I'm reaching out to you now. Given the lack of evidence of initial consent and the impact of inaccurate reporting on my credit standing, these matters are of utmost importance to me. I appreciate your diligence in investigating the fraud claim, but I must reiterate the critical nature of resolving these specific concerns.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: My student loan account reflects inaccurately reported late payments. I believe this is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, which mandates accurate and fair reporting of consumer credit information. Additionally, this inaccurate reporting negatively impacts my creditworthiness. Relevant FCRA Provisions : I wish to bring to your attention the FCRA provisions that support my complaint : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : This section requires furnishers of information to credit reporting agencies to provide accurate and complete information.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am set up for automatic payments from my checking account. I log on today and all of my accounts are past due. I check and there arent any pending payments. It says my payment isnt due for another month which obviously isnt true as every account says past due. I went set up a payment to clear the past due issue. I just checked my bank account to this evening and they took the payment that I scheduled as well as the automatic debit. They charged me twice this month under the falsehood that my account was past due even though its auto debit. Looks like groceries wont be a thing this month. Thanks Nelnet.
Company Response:
State: PA
Zip: 17013
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In response to CFPB complaint XXXX, XXXX stated it would not respond to any further complaints regarding the issues within XXXX unless I submitted " compelling documentation. '' It would seem that despite providing XXXX ( XXXX ) years worth of Driver 's Licenses, XXXX did not believe they were sending billing statements to an incorrect address that was neither my address nor my physical address. And, despite disclosing my documented XXXX, it appears XXXX did not believe my XXXX under the XXXX would render me unable to communicate, write, think, etc., in instances where there are or have been supply shortages of medications I use to treat the disclosed medical condition. Finally, despite my disclosure of XXXX ( XXXX ) separate COVID infections followed by XXXX ( XXXX ) separate periods of XXXX, XXXX did not believe such periods of XXXX and/or XXXX would render me unable to communicate, write, think, etc. Hopefully the near one-hundred ( XXXX ) pages of documentation provided make clear a ) I do not live in Florida and have not lived in Florida since 2007, b ) I neither have a current mailing address in Florida, XXXX have had a mailing address in Florida since 2007, c ) I have a XXXX that is managed through medication that has been in short-supply for over XXXX ( XXXX ) year, d ) that shortage is on-going, XXXX ) I am rendered unable to speak, think, write, etc. due to the lack of medication and/or sudden cessation in medication when I can not get my prescriptions renewed due to the supply shortages, f ) For the period over which XXXX was sending my billing statements to address, and the cascading skip-tracing that resulted, that beyond the extent to which I demonstrated an ability to correct my address information when skip-tracing XXXX have overwritten my corrections, I was unable to speak, think, write, etc. due to the lack of medication and/or delays in prescription renewal, and/or sudden cessation in medication caused by the supply shortages, and/or because of long-COVID related XXXX.
Company Response:
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per Family Educational Rights and Privacy Act my student loan payment history is not suppose to be reported to any 3rd party and it has. I also have not got any disclosure per each reporting for me to opt out of the reporting per 15 USC 6802. Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802.
Company Response:
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: There are 2 accounts from Dept of Ed/Nelnet XXXX XXXX my name on XX/XX/2023. XXXX for {$3000.00} and another for {$1700.00}. I have never had a student loan in my life. I went to the XXXX XXXX XXXX XXXX from XXXX on a football full scholarship.These two accounts showed up on my credit report and I was given their number to reach them. When I called I was kept on hold for an hour and 36 minutes then it appeared as someone was taking the call then disconnected me. I contacted XXXX and XXXX and both advised that I contact the FTC and file a police report for identity theft, fraud, and whatever else I could think of against the XXXX XXXX XXXX Nelnet XXXX I filed a dispute with the credit reporting agencies and it stated the accounts are mine. I am XXXX XXXX XXXX and have been with the same financial institution for 15 years as a XXXX XXXX XXXX can provide whatever is needed along with picture ID. I am 100 % sure that the XXXX XXXX XXXX/Nelnet can not provide my same information. Please help!!!
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Today, XX/XX/2023 @ XXXX a.m., I received an email, from Nelnet, regarding a student loan. How could this be? This company receives loans from Great Lakes and I have never had any dealing with Great Lakes and don't have any knowledge as to how they got my information. While submitting this complaint, I am on the phone waiting for a loan servicing specialist to assist me with the information needed to find out, how, why and when this loan was issues? Please contact this company and inform them of the dispute. As I am continuing to submit this complaint, I tried to enter my information into the automated system, my social security number and date of birth were correct, but when it asked me for my zip code, it was incorrect. This made me aware, that the address information on file is not mine and when the loan was taken out, the address used is not mine. For the past 12 to 13 years, I was homeless! So, I am wondering how and why this occurred?
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/XXXX - received notification that loan AA ( total of 2 were forgiven as of XX/XX/XXXX ) XX/XX/XXXX - received monthly statement from Nelnet - for XXXX payment for remaining balance ( roughly XXXX ) - paid prior to due date XX/XX/XXXX - contacted Nelnet to inquire on total amount of overpayments and when my information would be sent to US treasury for refund - no response XXXX - received monthly statement from Nelnet - for XXXX payment for remaining balance ( roughly XXXX ) - paid prior to due date XX/XX/XXXX - sent follow up to Nelnet requesting same information - no response XX/XX/XXXX - submitted complaint on student aid.gov - received case # XXXX via email XX/XX/XXXX - received 4 seperate letters indicating my remaining 4 loans were paid in full XX/XX/XXXX - requested my complaint to be escalated to Ombudsman - no response XX/XX/XXXX - received check for {$780.00} ( which included the XX/XX/XXXX and XX/XX/XXXX payments that Nelnet stated that I owed from their billing statements XX/XX/XXXX - followed up again requesting escalation from Ombudsmen XX/XX/XXXX - after my accounts reflecting {$0.00} and credit reports updated, Nelnet now has a balance on my Account of {$420.00} spoke to 6 different reps at Nelnet who have indicated they see 2 different overpayments that I am due,XXXX and the 2nd XXXX. One of the representatives even indicated I had borrower defense on my Account which I have never applied to but, that has now been disputed by a different representative. I would like to know when I will receive my overpayments and if my Accounts should reflect {$0.00} as my documentation indicates.
Company Response:
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A