Date Received: 2020-10-08
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 US Dept of Education and Nelnet are reporting on my credit report as 20 separate loans. Essentially they are double reporting and the account is labeled as closed. I have sent 4 separate letters and received no proof that I requested. I requested my original signing document and proof of a write off. I have received nothing and this has been going on for 3 years. The accounts have been double reported for 2 to 3 years as well on all 3 credit reports/bureaus.
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have notified Great Lakes multiples times that the account they are reporting on my XXXX credit file was a result of Identity Theft per the Federal Credit Reporting Act. I mailed them certified letters concerning the issue and asked them to inform XXXX that this account was a result of Identity Theft. They have failed to do so. I also included a copy of the " Notice to Furnishers of Information '' per the FCRA. I submitted to Great Lakes a copy of my FTC Identity Theft report and a copy of my police report. This company has failed to remove this Identity Theft account from my XXXX credit report. Please make sure they adhere.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I graduated from college in XX/XX/XXXX. I started working for a school system in an urban community XXXX XXXX NJ fall of XXXX. In XX/XX/XXXX I heard on the news student loans would be on a forbearance requirement. I did not know or understand what that was. Then on XX/XX/XXXX, I received an email from Nelnet my federal student loan servicer saying encouraging me to postpone payments for 12 months to get your account up to date and avoid default by replying yes to the same email. I replied to that email immediately indicating Yes to accept the forbearance offer provided since that was all they were asking me to do. Approx. 1 week later on XX/XX/XXXX, I received an email to reset my password. I reset my password with Nelnet. At that time I checked on my status of the loans and they were considered on time and my loans were also put into XXXX forbearance status until XX/XX/XXXX. My work location is now closed for rest of school season. I received an email on my credit protection service in XX/XX/XXXX, my credit scores dropped significantly. I opened up my credit report and I was current on my student loans and all other creditors to that date in XXXX XXXX. MY credit reporting service provided solutions to up my scores by paying down some debt only. There was no indication of student loans or anything else being late. In XX/XX/XXXX I pulled a credit report and that report indicated I was late for 16 payments. This was surprising to me. I then contacted Nelnet and they told me they have been mailing me notices. I have never received any notices from them by mail. They also said they tried calling me However, I never received a call from them. I asked them what address they had to contact me and that was wrong so I corrected that with them on the phone. I also asked them what phone number they had and that was wrong. I don't know whose phone that was they had. I've had the same phone number since I was XXXX years old. I corrected my phone with them also. I was then told by them on the same call I was also contacted by email. I never received any emails from Nelnet, I asked them what email they had and they had my correct email. However, my 1st email from Nelnet was XX/XX/XXXX encouraging me to have my loans in forbearance. So I asked them to correct my status of being late and they refused. I offered to pay to the current status they refuse to help. They said they contacted me several times. Again I never received any contact from Nelnet about requiring paying my student loans to begin or that I was late. XX/XX/XXXX I had another conversation which also included my dad on the phone with my permission and theirs, They said they only tried to contact me by email. But I never received any emails until XX/XX/XXXX which was only to encourage me to provide my status in forbearance. They said an email was my preferred way to be contacted. But my dad and I also asked them why wouldn't you exhaust all ways to contact me if this is so important. They told me I was never mailed a letter, then said I was mailed and then said I was only emailed. Even waited on the phone several minutes for a supervisor. Such confusion and of course they won't put any of this in writing They did not have an answer other than just shift blame unto me. I'm am accusing Nelnet of failure to service properly my ability to repay my loans on time. Their refusal to reverse late status is unacceptable. It is unlawful according to consumer law. I had no indications or notifications of payment due to begin or showing I was late until XX/XX/XXXX when I did a more thorough check on my credit report. Their refusal to accept responsibility for lack of servicing is another violation. No contact was made and no attempts to fully exhaust remedies to contact what they indicated as delinquency is unlawful. They had my parent 's contact info. I know this because I couldn't even obtain a loan unless my parents were on the FASFA and my parent 's full information was listed and free for their use as an emergency contact. I lived on my own since I was XXXX years old. They did nothing. I was fully able and willing to pay those 16 payments, upon finding out about this delinquency which was no way my fault. In the fall of XXXX, I was working in my field of schooling. I began working the fall after I graduated from college. I worked into XX/XX/XXXX until the pandemic and When schools closed my employment also stopped. Nelnet was quick to find me and encourage a forbearance and I received and acknowledged. But this was the first time I was contacted by Nelnet. I have spoken with Nelnet several times and documented these conversations and asked for supervisors and all they could do is shift the blame onto me. Upon graduation, I was never notified to begin making any payments. I was never notified of any late payments. I was never notified even after default was placed on my account until I checked my credit trade lines in XXXX of XXXX. Immediately upon finding out, I made every effort to contact Nelnet and to rectify the situation. I needed my perfect credit situation corrected that they tarnished because of their lack of servicing properly for the federal student loans and myself. Their lack of servicing for the loan and myself have caused irrefutable harm to my credit which was perfect. I'm pregnant now and I was looking to purchase a new home. I also need a new car to get to work. I can't do either since I am considered in default and late on government-backed loans. Loans that could and would have been on time if they notified me properly as due or late or made proper attempts to find me. I am also afraid my credit status will affect my ability to continue working since good credit is a concern and requirement.
Company Response:
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2020-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
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: Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. 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: 02302
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was not late on these accounts and Nelnet, XXXX, XXXX, and XXXX has not corrected the problem. Please provide the method of verification for late payments. Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX I have attached the certified letter that was sent to all the parties mentioned.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I attended XXXX University, XXXX, Minnesota, from XXXX XXXX XXXX, that school closed down for not distributing funds to students in XXXX. I requested about XXXX in student loans. My XXXX, after my military service was severe and I was unable to maintain employment or school. I ended up homeless for many years. I've been in and out of treatment facilities for my XXXX. My loans went into default. Starting XXXX, Garnishments from income tax returns and bi-monthly employment funds began. I was working as a Security Guard from XXXX. After hiring an attorney to assist me in my compensation claim, I finally received my 100 % permanent and total XXXX. My VA counselors informed that i would be debt free. Any debt I had would be forgiven. Along with my student loans. AND any money that was garnished would be reimbursed back to me. I spoke with XXXX, XXXX XXXX XXXX XXXX, and they confirmed that I would be receiving the money I paid into my student loan. XX/XX/XXXX, my student loans were forgiven. Nelnet informed me that I paid XXXX into my XXXX student debt. XXXX XXXX I spoke with XXXX a supervisor, id : XXXX, and he informed me that no funds had been Garnished. I was told in XXXX that I had paid XXXX XXXX And I would be receiving those funds back, because of my 100 % permanent and total XXXX rating connected to my military service. I was also awarded a XXXX XXXX for my service in the XXXX XXXX from XXXX XXXX XXXX. Just typing this out, gives me goose bumps and brings tears to my eyes. XXXX confirmed I would be receiving a refund. Now, they're saying I never paid anything into my delinquent student loans. ANYONE with a student loans knows for a fact, that if you go delinquent, they'll take your soul if you allow them to. But, garnishment of income tax returns, and wages is much easier.
Company Response:
State: TX
Zip: 77901
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.
Company Response:
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loans were put on forebearance WITHOUT my consent, approval nor knowledge on XX/XX/2020 due to the Covid crisis. Since I was in the Income Based Repayment plan and my payment was {$0.00}, this has negatively impacted me by pushing the overall ability for seek loan forgiveness in the future back by 6 months. I was enrolled in Auto Pay and made payment up to XX/XX/2020. Great Lakes should have NOT put my loan in forebearance since I neither request it nor approved of the change. After finding out that my account was in forebearance, I was able to lift my " forebearance '' status by calling the company on XX/XX/2020. I complaint of this issue, but they were unwilling to give me back 6 month time credit for the payments of {$0.00} due from XXXX. I've attached my last bill from Great Lakes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX KEPT CALLING MY WIFE IN CHAPTER XXXX BANKRUPTCY ALONG WITH MY CELL 16 TIMES TO ( XXXX ) XXXX AND ( XXXX ) XXXX, DURING AUTO MATIC STAY FOR COLLECTIONS NOT LISTED IN DISCHARGE. SEE ATTCHED, WE HAVE SCREEN SHOTS TO CELL PHONES.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have a student loan that I've been paying off since XX/XX/2007. I've never missed a payment. It was a 15-year term. I just got a message stating that a " periodic review '' ( which hasn't been done in at least 3 years ) discovered I have 4 months to pay the remaining {$2400.00}. This takes my monthly payment from {$75.00} to nearly {$600.00} for absolutely no good reason. I have followed their payment schedule, which apparently was not calculated correctly. I called Nelnet, no justification given.
Company Response:
State: MT
Zip: 595XX
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A