Date Received: 2020-09-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Our loan servicer ( Nelnet ) was derelict in administering our loan. Their records incorrectly cited the student graduation date on our Parent Plus loan as XXXX. In reality, the student graduated in XXXX, leading to a nine-year deferment. All the while, the loan accrued interest. Student/parents were notified correctly of several other loans which are being paid without error or delay. Nelnet claims it began notifications in XXXX. How Nelnet arrived at the XXXX date when the loans were incorrectly listed as deferred until XXXX remains a mystery. Since we reached out to Nelnet in the past month, they have successfully called twice and emailed once with the same information they have had all along. In fact, the only reason we reached out to them at all is that the loans suddenly turned up as a ding on our credit score. Otherwise, this probably would have gone on until XXXX. Dealing with Nelnet has been fruitless. They can not explain how the loan was deferred for nine years nor why there was no notification. They simply say there is nothing to be done. Our first call to Nelnet was placed on XX/XX/XXXX. We spoke to XXXX ( badge # XXXX ). We waited 14 days for the result of " research '' being conducted as instructed with no return call. Our second call was placed on XX/XX/XXXX. We spoke to XXXX XXXX. ( that is all the information she would supply ).
Company Response:
State: OH
Zip: 44138
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: For the last six months I have been disputing with the three credit bureaus and no resultion.
Company Response:
State: SC
Zip: 29605
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
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 morning ; How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts all my student loans 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: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
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 Nelnet LNS. 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: 02021
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
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 have a loan with US DEPT ED, USDOE/XXXX, and US DEPT. OF EDUCATIO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and DEPT ED, USDOE/XXXX, and US DEPT. OF EDUCATIO with no successful resolution. XXXX and XXXX are only reporting me late. There was definitely an error on their part. I was never late.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on my current student loan. I disputed these student loans account with both Nelnet and to all the 3 credit bureaus and i was shocked to them on my credit report today. It continues to report incomplete, and unverifiable information. I also read here in cfpb that student loan companies were sued for not applying for the payment correct into the student loan accounts. Also hows it possible that youve reported me 90 days late with no late payments prior to that?
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
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 have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and DEPTEDNELNET with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never late.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A