Date Received: 2021-01-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I contacted Nelnet severs times to get my issue resolved. I no longer have an account with Nelnet due to my account being transferred to XXXX. I participated in a second chance six month program where they recouped over {$7000.00} of my income tax, and I paid 6 ontime payments. This program was to allow me a new loan with a different company which is XXXX and completely transfer the loan. I have no dealings with Nelnet nor have I had any action on that account since before 2013 and it should not be showing late payments at all.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: To whom it may concern ; I recently took out a loan from my equity of my house and use it to payoff my student loans. The title company got cashier 's check in my name and sent to XXXX ; however, due to an automatic payment that was drafted out of my bank account before I could cancel, the pay off amount to XXXX was more than the current balance owed. I've since contacted them on several occasions, spoke to at least 3 representative to inquire about my refund. They kept telling me that a refund was issued to a XXXX XXXX XXXX, which I don't even know how to track down to get my refund back. A cashier 's check was made in my name payable to XXXX and I want them to issue my refund. The amount owed to me is {$110.00} and I have been unsuccessful of trying get my refund back from XXXX.
Company Response:
State: MD
Zip: 20740
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nelnet reported me delinquent in XXXX and XX/XX/XXXX. They claimed to have sent me emails and mail concerning payments that were due but I never recieved them. I have not changed my address or email address as they try to say I have. I have had my gmail account dating back past XXXX. When I spoke with Nelnet they said my payments weren't due for 6 months or unless I was reenrolled into school. When I spoke with them over the phone they have no explanation for why this was not the case and claim they do not have a record of me contacting them. I have been told by Nelnet that I had no payments due, that my account was up to date, and I would have no payments due. This was inaccurate information as they have put me as delinquent for those two months and have significantly lowered my credit for it. I have never made a payment to Nelnet because I have been finishing my degree and have always been up to date with my loans since I have had them as my loan servicer since XXXX. The company claims that even though they gave the wrong information they won't change their reporting and I would have to prove I was in a " coma/dying in a hospital or active military '' during the time they claimed I was delinquent. I was enrolled in school Fall XXXX and Summer XXXX and was told my payments weren't due until XX/XX/XXXX unless I was enrolled in school which I was by XX/XX/XXXX at the University of XXXX XXXX which was before my first payment was due. This delinquency is inaccurate and they refuse to take accountability for their mistake and remove this from my credit report.
Company Response:
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Some accounts located on my report are not mine.
Company Response:
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72209
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I, the Original Creditor, Natural Person and also Consumer XXXX XXXX, am filing this factual complaint against student loan corperation Great Lakes Educational Loan Services , inc. All information is true, and the debt collector great lake servives is in the clear violations of : U.S.C, FTC , FDCPA and HJR 192 laws. The following violations are cited and briefly explained. Detailed information is provided in the Affidavit of Truth that will be attach to a copy of this complaint. 15 usc 1692 e ( 2 ) misrepresentation as they assume to potential consumers on there website that they provide adqiute help to those consumers assume servives through them. 15 usc 1692 e ( a ), ( b ), ( 4 ), ( 10 ) deceptive practice to collect debts as great lake services don't make clear of there legal status as a third party cooperation/entity 15 usc 1692 ( a, e ) legal status 15 usc 1605 violation of finance charges violations of HRJ 192 : all debts are paid for they are also in violation of 15 USC 1681 no written consent 15 usc 1692 d harassment/oppression 15usc 1692 d ( 1 ) harmed my reputation with future potential creditors 15 usc 1692 ( f ) unfair practice to collect a debt 15 usc 1692 f ( a ) no present right of claim through enforceable security interest 15 usc 1692 g validation of debts 15usc1692 g ( 2 ) original debtor information not disclosed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
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 items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are 4 late payments showing on my credit report from Nelnet on two different loans. These loans were in forebarance and there was an issue with the forebarance continuance. The continuance of the forebarance was corrected ; Nelnet stated all late payments were to be removed. 2 years later and multiple disputes they will not remove them.
Company Response:
State: FL
Zip: 32750
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: This is for all three big business bureaus XXXX, XXXX, XXXX. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX XXXX XXXX open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at XXXX and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the blackweb. Being alerted about. All they're doing is XXXX managing and catching defects here and there XXXX Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get XXXX app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding XXXX had and it did this in town the XXXX I have not received it yet I have a membership at XXXX and XXXX that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security
Company Response:
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: TO WHOM IT MAY CONCERN, XX/XX/XXXX have contacted me numerous times I do not know who this company is I never signed anything with this company telling me they are operating on behalf ofXX/XX/XXXX nor do I know who XX/XX/XXXXXX/XX/XXXX Im constantly being harassed by this company. PURSUANT TO 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is " the term '' credit card '' means and card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This should be removed from My consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ) AND 15 USC 1681a ( 2 ) ( i ).
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A