Date Received: 2020-11-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and/or breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and/or breach of information.
Company Response:
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
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 see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02132
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-08
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I was mailed a letter appearing to be from the U.S. Department of Education offering to consolidate my student loan debt. I created an account on nslds.ed.gov and then called the number listed XXXX. I spoke with a representative who already had information that I did not believe a third party could have such as my total student loan debt. He offered me guidance toward consolidating and refinancing my federal loans and told me I was eligible for a repayment forgiveness plan ( REPAYE ). I would only be responsible for {$110.00} a month plus a {$39.00} fee per month. This would also be forgiven after 20 years. The representative seemed genuine and helpful. He told me that I was responsible for the application fee of {$790.00} which I was able to break into two payments of {$390.00}. I signed a contract with this company falsely under the impression that they were a government affiliated and protected company. He insisted that they were federally backed. I sent my REPAYE document and two paystubs to the address that they had provided for my student loan provider. I did not realize that something was fishy until I saw the deduction in the form of check from my checking account. After looking up the company listed that the check was made out to I found through the XXXX XXXX XXXX that XXXX XXXX XXXX, XXXX was littered with people saying they had been scammed by them. I have emailed them a notice of cancellation of my account and called my bank to dispute the claim.
Company Response:
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2020-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The XXXX loans and the Nelnet loans on my account are fraud. All of my student loans were paid-in-full by a second mortgage HUD 1-A with disbursements directly to XXXX in XX/XX/XXXX ( please see attached evidence ). I graduated from the University XXXX XXXX in XXXX. I never had any other student loan debt and all of mine was paid in XXXX by the aforementioned second mortgage. The NelNet and XXXX loans are fraud and must be removed from my account. XXXX was helpful, and removed the debt from my credit report. XXXX was non-responsive and continues to post numerous repeats of the fraudulent debt regardless. The fraud representative, XXXX, with XXXX was not helpful. We spoke with XXXX in the fraud department with XXXX, formerly XXXX, who confirmed my loans were paid-in-full in XXXX. XXXX did not want me to ask questions or to speak, other than just providing my personally identifiable information and updated contact information to the creditors. XXXX ended the call with XXXX without asking him To send notice to her or the other agencies Nelnet and XXXX who are subsequently and wrongfully reporting.
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2020-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-08
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: THE DEPARTMENT OF ED/NELNET HAS BEEN REPORTTING CLOSED ITEMS AT TOTAL OF 30 ITEMS, EVEN THOUGH THEY ARE CLOSED, THEY HAVE BEEN OVER SEVEN YEARS AND WILL BE REMOVED. THERE WILL BE NO ARUGUMENT AND DISCUSSION, NELNET WILL REMOVE ALL THESE ENTIRES PERIOD
Company Response:
State: MT
Zip: 59601
Submitted Via: Web
Date Sent: 2020-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My monthly interest should be around {$76.00} per month. My ENTIRE payment of XXXX is being applied towards interest only. My due date is not until XX/XX/2021. I am on auto debit and they have applied the last 2 payments of {$160.00} to only interest. I do not need a long drawn out reply from Nelnet explaining " simple interest ''. I want a straight and to the point answer. Spare me the XX/XX/XXXX and don't write endless paragraphs of nonsense.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
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: The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. US Dept of ED/GLELSI # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This student loan has reached its statute of limitation date open was XXXX/XXXX/2004. I would like for it to be moved to the satisfactory accounts on my credit report. And if not I need it removed and delete it from my credit report. It should not be reported under adverse accounts. The statute of limitations is seven years.
Company Response:
State: GA
Zip: 31602
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX I noticed that four payments and part of a fifth payment were strictly applied to interest. I have been consistently paying on this loan, one loan number XXXX XXXX, and normally interest payments are {$50.00}. My minimum payment is {$250.00}. and i normally pay XXXX {$400.00}. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I paid {$400.00}, {$450.00}, {$400.00}, {$400.00}, {$600.00} respectively. All but {$180.00} was applied to interest. Loan details include one account when I login to the website, Nelnet.com, when I select the account number it populates Group AA total loan amount and then has loan 1 and loan 2 with a breakdown of the individual balances. all other information is the same. The interest rate listed in all areas is the same rate. I have emailed and called the company with the below being the last exchange From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX CST To : XXXX Subject : Re : Nelnet-Encrypted- Message ( Correspondence Request ) Why did this payment allocation change dispute neither loan being paid in full? I would like a payment history and loan balance history provided that details the accumulated interest and what determined the reallocation of interest payments. Both loans have the same interest rate so your explanation below does not explain this. Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX wrote : Account Number : XXXX Dear XXXX XXXX, Thank you for contacting Nelnet Attached is a copy of the document you requested. If you have signed up for auto debit and have set up an alternative payment amount ( you are paying more than the minimum monthly payment amount ), your payment will be applied as follows : Paying More Than Your Current Amount Due : Unless you direct your payment to an individual loan or group, the standard allocation method is as follows. After your current amount due is paid, payments are allocated across loans in repayment status starting with the highest interest rate. Once the loans in repayment status with the highest interest rate are paid in full, any remaining payment amount will be allocated across the loans with the next highest interest rate. If two or more loans in repayment status have the same highest interest rate, the payment will be allocated first to the unsubsidized loans and then to the subsidized loans, in proportion to each loans regular monthly payment amount. When you pay more than your current amount due, your due date on loan groups in repayment status will advance by one month each time you satisfy the regular monthly payment amount for that group. Your monthly billing statement will show {$0.00} due for that loan group. Since your excess payment will continue to be applied to the loan group starting with the highest interest rate, you will continue to have an amount due for loan groups with lower interest rates. You have the option to request that we not advance your due date when you pay more than your current amount due. If you want your excess payment to continue to advance the due date of all of your loan groups in repayment status, you can direct your excess payments to all loan groups in repayment status, instead of targeting the loan group ( s ) with the highest interest rate, as a one-time or recurring special payment instruction. This will help keep the due dates for all loan groups aligned. If you would like to have standing special payment instructions applied to your account please email us at XXXX. Make sure to specify if you would like to keep your due date from advancing with an overpayment, and whether you would like to have overpayments applied to a specific loan or group. Were here for you when you need us. If you have any questions, please call us at XXXX or visit Nelnet.com. I requested the TILA and opening account disclosures on XX/XX/XXXX but they were not provided. The online statements and account summary is not clear and conscious and this has absolutely resulted in consumer harm. Thank you for your attention to this matter.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
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: 02301
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A