Date Received: 2021-02-18
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 to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.
Company Response:
State: NE
Zip: 68502
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Issues 1 ) Lender XXXX XXXX was not truthful about how payments would be structured. I was told I would have one loan approval for 4 years that I could take disbursements of and pay as I go. The fact was each disbursement was a new loan with a new payment making me have 3 different loans and 3 different payments which was unmanageable. Due to this, we did a refinance to pay off loans and go with a better student loan lender. 2 ) Servicer First Mark lost one of the payoff checks for over {$8000.00} and refused to provide a direct contact to work with to find my money. They say their accounting department does not have phones? It took multiple calls and contacting the mortgage company to prove the check had been cashed to resolve the issue. 3 ) I have an over {$1400.00} overpayment due to me that they can not tell me where it is. I have requested to know to whom, and where the payment was sent. Again, they will not provide a direct contact to address the issue of my missing money. After the 3rd call and third request for records and 3rd time I have been told my account has been " noted '' I was told they check was mailed to XXXX XXXX lending but still no address, or info if the check has been cashed as I have requested. Again I am not given a direct contact, they say they will call back and never do so I must recall the main number and get a new person each time. XXXX XXXX has not receivd the check and needs to know the address it was mailed to and first mark refused to provide this information. Mean while I am left with MY {$1400.00} just missing as this is my money and should have been mailed to me.
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I called ( who I thought was my loan servicer ) Great Lakes. After spending extensive time on the phone and after providing them with my social security number they asked me for a payment of {$600.00}. I knew something was off, so I made an excuse to get off the phone. I called the REAL Great Lakes and spoke with someone who explained that I was a victim of spam/potential identity theft. I followed their recommendations to keep my loan information safe, but am concerned this spammer will try to use my social security number for malicious intent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
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: NELNET XXXX XXXX Date Opened XX/XX/2004 Balance {$0.00} NELNET XXXX XXXX Date Opened XX/XX/2004 Balance {$0.00} How can you say that this account is verified when Im still seeing inaccurate information being reported? There are three different dates of the last activity reporting. Isnt the date of the last activity supposed to be the same in each bureau? How can you immediately report this account 90 days late when theres no late payment before that?
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and i havent received any investigation results.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet took over my loans in 2015 @ a locked in rate of 4 %. To date, I have made over XXXX in payments and only XXXX has been applied to the principle and XXXX in interest. I have asked for a payment schedule and I was denied.
Company Response:
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In XX/XX/2020, I consolidated my old Dept of Ed student loans with XXXX. I am paying XXXX, however the old student loans are still reporting on my account as open and showing late payments. They are reporting inaccurate information monthly. Ive written to the credit reporting agencies to have them removed, but nothing has happened yet.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I enrolled in a training program for XXXX school in XX/XX/XXXX. I was unable to obtain the certification due to medical. I withdrew from class and from there the problems started with Great Lakes. Over the course of 6 years, I continued to explain to Great Lakes what happened, I had only attended 1 class and withdrew due to medical. I was told I was still responsible for the loan because I had signed a master agreement. In XX/XX/XXXX ( 6+ years ) the loan defaulted and was sent to a different federal agency for collection. It should not have been sent to a collection agency, as I was actively disputing it with Great Lakes but they did it anyways. I have written correspondence with the company during the month of XX/XX/XXXX questioning, as I alway had the validity of the debt. They have a log of my calls in XX/XX/XXXX but conveniently the recordings are gone to validate I was in an active dispute. On XX/XX/XXXX, I contacted the new federal collection company and explained what happened back in XXXX. I was immediately asked why I had not completed the following : LOAN DISCHARGE APPLICATION : FALSE CERTIFICATION ( DISQUALIFYING STATUS ). I had no idea what they were referring to. The resolution had never been offered by Great Lakes, which would of resulted in my loan being discharged and all negative credit reporting being removed. I spoke to Great Lakes in depth on XX/XX/XXXX, who acknowledges I had never been offered the remedy but was told it wasnt their responsibility to offer me anything. How is that possible when this is a company governed to provide federal loans and the discharge is a federal program and remedy available? I simply asked them to delete the negative reporting or delete my file, while I work thru the discharge which can take 6-8 weeks or more. After all, had I been offered what I was legally entitled to, I wouldnt of been in the situation for a defaulted loan. The damage I have suffered financially is devastating due to their actions. I have been denied housing and credit. What credit I could obtain has been subprime rates, further resulting in irreparable harm to myself. I would calculate my losses due to their negligence to exceed {$100000.00} over the course of 10 years, since the loan became active. Great Lakes is currently in a active class action lawsuit for their predatory lending practices. I am not part of the lawsuit. I have asked for records of showing where I accepted deferments and why they held onto a loan for almost 7 years when the standard is 3 years before sending to collections? Was if so they could continue to add interest to the unpaid balance? I have asked for explanation of why I was not offered the remedy available to me. I have asked why am I being denied a goodwill adjustment, to delete the file and close this horrid experience out and was told what they do for others is of on concern to me. Is it because Im XXXX? Is systematic racism in play? What is the real reason they continue to hold this {$2000.00} defaulted loan that I am not responsible for over my head and continue to actively be a part of destroying my credit? How can they legally pick and choose who to help when it was them who played a major role by not offering the proper legal remedy available ever? I attached files. One is an email to my XXXX instructor. Note the date and content of message indicating I would complete my physical on Monday. The other attachment is the withdraw record. Note the withdrawal date from the school. It is the Tuesday, the day immediately following my medical physical when I leaned I could never hold a XXXX license. Great Lakes was always aware I had a medical reason but yet failed to properly inform me of the relief available.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made telephone contact ( XXXX ) with DeptED/Nelnet to stop reporting incorrect information to all three credit bureau. The date of the last activity is incorrect. They are no longer the loan servicer for my student loans. I spoke with ( XXXX-agent Id XXXX ) and she informed me that Nelnet does not report information after seven years. She explained that no XXXX balance on all accounts. She further asserts this should not be reporting on my credit report and they have not sent any information to the credit bureaus. She told me to send a copy of my credit report to verify what is exactly being report so they can see and make a dispute. XXXX I clearly do not understand why XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. The following loans are out of date : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX When reaching out to all credit bureaus XXXX XXXX, and XXXX all verify the information is correct. These loan amount all affect my debt to income ratio. I do not have any student loans with the Department of Education/Nelnet. This company is not a loan servicer. The information should be completely removed from all of my credit reports and they have cost me Loan opportunities DECLINED for home loans due to the debt to income ratio is too high. According, to the Consumer Protection Fair Credit Report all information on all three credit bureaus, must be reported correctly with the same date of last activity, balance amounts, correct address information, and correct date of birth, correct year of birth, and correct address. When calling into Department of Education/NELNET they did not have my correct address, they did not have my correct telephone number, they did not have correct current information. I am going to take my concerns to Court to enforce my rights as a consumer. I have written at least five letters since XX/XX/2020 trying to correct this information.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet states that XXXX XXXX has disqualified me from an interest rate reduction based on an XX/XX/2018 payment. They state that the payment was late. However, this was the month that XXXX XXXX transferred servicing of my loans to Nelnet, which means that there was some confusion on who the payment should have been directed to. Therefore, I should not be penalized and given the interest rate reduction ( to 1 percent ). In addition, the interest rate reduction should be applied retroactively, to XX/XX/2018. The amounts in question are one loan for XXXX ( Group A ) and {$26000.00} ( Group B ).
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A