Date Received: 2020-10-15
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 120 days late marks which is a clear violation of my right under the FCRA. he 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: 02324
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: DEPT OF EDUCATION/NELN is stating the was late on the 5 account with the same account # XXXX. I will NEVER LATE ON THESE ACCOUNTS. Please provide method of verification of late payments and process used, I'm exercising my right under the Fair Credit Act as well. Please provide PHYISCAL PROOF of late payments as this information is not accurate. Fair Credit 611 Please correct payment history
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I qualify for loan forgiveness due to school closure. I have filled out the application several times they keep denying it for different reasons the last reason they told me is because I need to prove I was enrolled at the time the school closed. So I paid to have my transcripts sent to the loan holder Great Lakes who again gives me another excuse. conveniently they apparently didn't receive it so I sent them a copy of the confirmation from where I ordered it which shows the email address it got sent to within their company and they tell me that that's not the correct department that handles that kind of paperwork and I would have to try again. They should have all that info to begin with. I feel they are purposely not approving me and that is not legal. If I qualify I deserve to get approved. I was attending XXXX XXXX college 's XXXX yr XXXX program when they shut down for financial aid fraud
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73071
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
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 am filing a complaint of non-compliance against the following collection companies : 1 ) NELNET LNS 2 ) XXXX 3 ) XXXX XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am completely up to date with my payments. My student loan payments with Nelnet are due every XXXX of every month. My current amount due every month is {$400.00}. My last payment in XXXX was on XX/XX/2020 and I paid a total of {$440.00} for the month of XXXX. On XX/XX/2020, I made an electronic payment of {$230.00}. My remaining balance should have been {$170.00}. Instead Nelnet is claiming that I owe them {$250.00}. They applied {$140.00} of what I paid to XXXX XXXX of my loan. The website acknowledges that I paid {$230.00} and it breaks out the payment as {$140.00} to XXXX XXXX and {$87.00} to XXXX XXXX. There is no explanation of how I owe {$250.00}. I called Nelnet and the customer service rep couldn't figure it out either. She tried to tell me that the {$87.00} was considered part of my XXXX payment. When I asked about a credit to my XXXX payment for {$87.00} she had no idea. She said it was because I've been making payments twice a month. XXXX Something is off and wrong with their accounting system. Where is the {$87.00} I paid? Why isn't it accounted for in the system. There were no fees due and it wasn't credited to XXXX. Nelnet doesn't give credit for advance payments. That's a load of XXXX. There is something going on with this company that is not kosher. This company needs to be investigated and oversight needs to be done on this company. This company needs to be audited and fined.
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: To whom this may concern : Im writing to you because I noticed that my most recent credit report contains incorrect information with Nelnet where you have clearly violated the law and have put on all of my credit reports.That is completely closed I want it removed immediately it is effecting me from getting a mortgage for my family I want it off of my credit now please and thank you
Company Response:
State: NC
Zip: 28358
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am unemployed due to covid-19 and thought they had to wait til XXXX to call everyday and ask me to pay. Well they are and I feel they should be fined for breaking an executive order from the POTUS. They are asking me to borrow money from others to pay them. I am actively looking for a job and have intentions of setting up a payment agreement when I obtain one. However, being called and harassed about my loans when to my understanding, they should NOT, is not okay. I ask that you PLEASE, at the very least ... tell them to stop. It is hard enough stressing about the ability to pay for rent and food and receiving daily phone calls about a school loan makes me feel even worse. Nobody wants to be behind on bills. Nobody wanted Covid-19 to happen. Please help. The company 's name is Great Lakes/XXXX. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 65401
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Here are the pics for compliant : CFPB # XXXX XXXX XXXX XXXX XXXX XXXX I forgot to attach the pics.
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: DEPT OF EDUCATION/NELN is stating I was late as of XXXX and XX/XX/XXXX ; however, you look at the account it show this account was NEVER LATE AT ALL! Please the the prior months of XXXX which is displayed in the pictures that are attached. If I was NEVER LATE in all of XXXX, how can I be 90-120 late in XXXX and XX/XX/XXXX. PLEASE CORRECT PAYMENT HISTORY AND THIS IS VIOLATION OF FAIR CREIDT ACT 611. THIS INFORMATION IS NO ACCURRENT. The credit agencies will be held responsible and liable for damages.
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account with Nelnet was closed and transferred on XX/XX/XXXX. Recently it was reported as pass due dating back every month since it was transferred and closed. I have tried filing a disputed in XX/XX/XXXX that was just closed with no resolution. Then I spoke to experian who opened a new dispute which was closed the same day with no resolution according to the dispute center. Next I spoke with Nelnet that claims the last report that they sent was in XXXX of XXXX. They also claim that they have not received either of my disputes. I then email experian giving them over 72 hours to correct this mistake and have not heard back from them.
Company Response:
State: WA
Zip: 98604
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A