Date Received: 2020-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Dear Nelnet Student Loan Servicers : How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Company Response:
State: MA
Zip: 01844
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Student loan servicer Nelnet, and credit bureau XXXX has reported 120 day late payments for XXXX, XXXX, and XXXX, XXXX when I have not had any late payments with Nelnet since XXXX. Nelnet is no longer the servicer of my student loans, and has NOT been since XXXX when XXXX took over as the Servicer for ALL loans from Nelnet. The loans are reporting late with a {$0.00} balance. I have called Nelnet several times, and they have told me that they are currently NOT the servicer of my loans, and they are NOT reporting for delinquent loans for XXXX. And to contact XXXX, because XXXX is doing the misreporting. I have called XXXX, and have disputed the incorrect late payments with XXXX, but they are stating Nelnet is the one 's reporting this information inaccurately. I have spoken with several reps including Supervisors. The supervisor told me to send in documentation from XXXX confirming they are the current servicer of my loans, and that I have no late payments. Once I did, XXXX would not honor it. XXXX is the only servicer of my student loans, as evidenced with the XXXX XXXX XXXX. The late student loan payments reflecting in XXXX needs to be removed from my credit report, as they are false information. I am at the mercy of these 2 companies who refuse to help get this matter resolved. This is illegal, abusive, and an unfair practice that is causing detriment to my family, and myself. I am unable to get into a home with the negative inaccurate reporting which could lead to my family and I being XXXX. Please help me resolve this issue.
Company Response:
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Since the Cares act was initiated I called Nelnet who holds my federal student loan because they were not placing a hold on the interest payments as the cares act mandates. I initially called them XXXX to inform them I was still being charged interest and was told they would be placed in the no interest charged category. I told them I wanted to continue to make my regular payments, I was informed I could do this but I would not be charged interest. I received my XXXX statement and interest was still being charged. I called back and had the same discussion this time I was told I didn't qualify even though it is a federal student loan. They told me to call the department of education, I did and was told there was nothing they could do and to call Nelnet. I have called them every month and they still refuse to place my loan interest on hold as the cares act specifies. I have exhausted my resources and have no other options, please help.
Company Response:
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2020-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02324
Submitted Via: Web
Date Sent: 2020-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Nelnet XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years
Company Response:
State: IL
Zip: 60188
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts were fraudulently opened and maintained. There are 3 discrepancies with account numbers that all begin the same numbers. I've contacted the company and communicated that they were fraudulent. To no avail as the account still reflects on my report.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
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: I disputed the late payments that are being reported on my credit report on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. The creditor refused to validate and update numerous accounts and continues to report the incorrect information to all three credit bureaus XXXX, XXXX and XXXX. I was enrolled in XXXX XXXX status during the time that the late payments were being reported to the credit bureaus.
Company Response:
State: GA
Zip: 31210
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have spoken with U.S Department of Education, XXXX XXXX XXXX and Nelnet in regards to my student loans reporting incorrectly on my credit report. I have contacted each agency over 20 times and have gotten nowhere. Each representative has instructed me to contact an out source company so that I can pay to get student loans that " were not '' a collection item out of collections. My student loans were in deferment as a result of continuing my education. I was told by XXXX a supervisor at the U.S Department of Education and was told that I had to consolidate my student loans for the error on my credit report to be corrected. I was told that I had to wait until the new consolidated loans to report and to contact them so that the collection reported loans can be removed from my report. The accounts have since reported and these collection still have not been removed from my credit reports. This has caused me a major hardship, because not only am I a victim of identity I am a single mother of XXXX and homeless as a result of COVID.
Company Response:
State: CT
Zip: 06704
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE NOR CONSENT. I HAVE PREVIOUSLY FILED COMPLAINTS WITH THE COMPANY AND WAS REMOVED FROM MY CREDIT REPORT AND NOW IS BACK ON THERE UNDER A DIFFERENT NAME. THIS COMPANY IS COMMITTING FRAUD BY ME BEING VICTIMIZED OF ID THEFT.
Company Response:
State: TX
Zip: 76180
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A