Date Received: 2020-09-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: unable to make principal only payments. i make double payments and my loan is prepaid 5 months but I am unable to reduce the amount of interest I will pay.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have two federal loans for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The loans are in default but they should be discharged due to XXXX closing, filing for bankruptcy in addition to the fact that I had to withdraw from classes because I needed XXXX XXXX XXXX. I submitted this information to the Department of Education XX/XX/2019 and was notified via email they received the information and there was a lawsuit pending against the Department of Education.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Became XXXX XXXX in XXXX. Filled XXXX forms to relieve debt ( XXXX discharge ). Had XXXX fill out forms and submit. Waited the 3 years to confirm XXXX XXXX. Had all student loan debts discharged - except from Greater Lakes Higher Ed. Every year since XXXX, had to contact lender and resubmit process. Every year debt not discharged, but new collection company contacting about debt. Every year explain to collection agency, explain to loan holder, restart process. Now been years since debt was discharged and no resolution has occured. Total Amt owed : {$410000.00}
Company Response:
State: WA
Zip: 98404
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit score has been consistently fluctuating by large numbers ( up to 32 points at a time ) since XXXX of XXXX. My XXXX report states that my Federal Student Loan balance ( Serviced by Nelnet Lns ) has increased by upwards of {$2500.00} and the following month decreased by the same amount which shouldn't happen due to the fact that my student loan payment comes out of my payroll and is matched by my employer. XXXX has decreased my score by 16 - 32 points everytime Nelnet has reported my balance increasing ( which is inaccurate because my balance hasn't increased and i've never had a late payment ) but when Nelnet reports my balance decreasing, the points are not given back. My credit score SHOULD NOT BE FLUCTUATING due to my student loans. I have contacted both XXXX and Nelnet. XXXX - When i contacted the company, i received THE WORST CUSTOMER SERVICE i have EVER experienced. That is saying a lot, considering i have been employed in customer service and loan servicing industry my entire adult life. Not only was the agent rude and combative, but he then explained that there was absolutely nothing he could do for me. When i asked to speak to his supervisor, i was placed on hold for 5 HOURS! Unbelievable! Unacceptable! Nelnet - The customer service agent was very nice and helpful but i was told that there seems to be nothing wrong with my account and he didnt understand why i was being negatively reported. This situation is in direct violation of UDAPP and FCRA guidelines. I have been dealing with this issue for 8 months and, quite frankly, i don't understand where the issue lies. I need this issue to be resolved as it is adversely affecting my ability to live in today 's society as a single individual. Please help me.
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
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: Good day or happy Saturday! How are you doing? I was shocked today when I reviewed my credit report again and found questionable information still on my fed student loan accounts from DEPTEDNELNET. All 4 of them! I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported that you investigated as accurate if it's still reporting questionable balance, inconsistent account number, name, dates of open, etc? Also, wasn't Navient student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: In early XXXX ( maybe around XXXX or XXXX ) I submitted my application ( online ) for an income-driven-repayment plan to one of my student loan servicers ( Nelnet ) ; not only did I complete the necessary form but as a follow up I called nelnet to make sure that they received and approved the INCOME DRIVEN REPAYMENT PLAN for one year.Despite my meticulous care in this area -- -- Nelnet just recently sent me a harrassing email erroneously stating that I am currently 15 days past due when they assessed that from XXXX of XXXX until XXXX of XXXX my repayment obligation would be exactly XXXX dollars per month.They have harrassed me in this manner before -- -- -and along with the current stresses due to covid-19 and trying to keep body and soul together by buying food and paying rent -- -there unecessary and frivolous harrassment is starting to adversely effect my mental and physical health and well being ( I am currently XXXX years old ) .They are consistently among the most widely -complained-about loan servicers in the nation -- -- -and I can certainly see that their lack of professionalism, lack of due diligence, and glaring lack of competency stand as prominent monuments as to why this is true.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
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: 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 of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Under the CARES ACT I thought all student loans were in deferment? Yet NELNET is charging interstate 's to my accounts currently. I was on deferment plan and was never contacted on the update to what would be done under the CARES ACT with the loans so I assume the law protected interest being added to the accounts currently until year 's end. Also I have a persons name unrelated to myself or family that has his loan information mail being sent to my house. Are the accounts crossed? I show the balance being paid off yet I'm being billed still?
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
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 see multiple 30-120 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: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: DEPT OF ED/NELNET- Account numbers XXXX and XXXX are reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. These accounts are still reporting delinquencies. Theses errors need to be corrected right away or delete these accounts off my credit reports.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A