Date Received: 2020-08-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet changed my monthly payment from {$38.00} to {$460.00} even though I was under Covid forebearance. I stopped Auto debit because of this. The company refused to do a call back to resolve.
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which Great Lakes has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! This is a direct violation Of the FCRA and the FDCP Act. This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C. No. 95-cv-01743 ). They refuse to correct information after being provided proof of inaccuracy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Company is reporting six accounts as negative accounts with late payments. When it should be listed as paid in full with zero late payments.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. As per the law, cease and desist all collection activity, including credit reporting.
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2020-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-22
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 90 days past due on my student loans back in XXXX because I went to XXXX. I have contacted a credit repair who sent letters. I also asked for my student loans Nelnet to remove this and they wont.
Company Response:
State: CA
Zip: 95648
Submitted Via: Web
Date Sent: 2020-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-22
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: 1 ) I have a Direct Plus Federal student loan, but am told by my servicer, Nelnet, that it does not qualify for the interest forgiveness. I need to understand why and could not get a good answer from Nelnet, only that some older loans do not qualify for interest forgiveness under the Cares Act. 2 ) I took the forbearance option for four months and now the loan amount has increase by {$640.00} in accumulated interest. 3 ) Nelnet has increased my monthly payment from {$330.00} a month to {$420.00} a month starting XX/XX/2020. I am in a graduated loan payment program but this increase in payment is not due to that, and I need to understand why. 4 ) The loan has a fixed rate of 8.5 % but if you look at the monthly interest amounts they can vary by more than {$20.00} a month and I don't understand why. I have discussed all of these questions with a Nelnet rep, and although she was very nice, I did not get answers to these quesitons.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2020-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: This is both a complaint and a Freedom of Information Request to Nelnet XXXX Inc. - a U.S. Department of Education Loan Servicer. I have previously filed a CFPB complaint on XX/XX/2020 XXXX XXXX, which is NOT published when I requested this complaint to be published ) stating that I do not have access to my account on-line with XXXXnelnet.com. Today, XX/XX/2020, Nelnet mailed me a letter stating that my issue for access is with my browser. This letter is a lie as I have previously provided video link proof that I am unable to " see '' any information and as of today, XX/XX/2020 I can not even log onto Nelnet - without receiving messages that I have to phone call Nelnet. In my CFPB complaint, my final comment was requesting that Nelnet provide me with a meeting, any two dates, any two times, and instead I receive a " browser '' letter as a response. I am requesting that Nelnet provide me with any two dates and times and location/address so that I, XXXX XXXX XXXX, can physically see my Nelnet records along with my husband, Mister XXXX XXXX XXXX and my son, Mister XXXX XXXX XXXX. If Nelnet refuses to give me a meeting then there can not be any account and I do not owe any money for any U.S. Department of Education Student Loan ( s ). Further, I reserve my rights to file in Federal Court against Nelnet for this constant abuse with not providing me with full account access and refusing to comply with a Freedom of Information Act request for a meeting and any other harm. Here is the video link proving that there is NO browser problem : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NH
Zip: 03060
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
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: THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. I submitted the following complaint " On my XXXX & XXXX reports for the Nelnet Direct Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' Nelnet closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
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, XXXX XXXX, and USDOE/GLELSI. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, US DEPT ED, XXXX XXXX, and USDOE/GLELSI with no successful resolution. There was definitely an error on their part.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I submitted one a few minutes but one to the email addresses is incorrect so Im starting over, respectfully. What happened? I have called Department of Educations and its many services. Hundreds of attempts later and nothing but run around and non truths I called Department of Education on XX/XX/XXXX. They wont even talk to me and refer me to many different services including XXXX. Im currently with Department of Education/Nelnet. Nelnet refers me to DofE and they refer me back to Nelnet. I asked Nelnet for the address to request my file contents and they could receive court documents and they had the nerve to tell me that they may not sign for anything. I like really. This is ongoing for so many years, so many different loan companies all along with Department of Education and no help. Im ready for court! I have been excited knowing that I will have my 25 years in XX/XX/XXXX. I have been on an income based since the beginning of the loan. Ive only recently been late a few times since they keep raising my loan repayments. I started repayment 90 days after my graduation in XXXX with Department of Education. Department of a education was good to me in the first few years. Now that Im close I starting really looking at how to apply for the loan forgiveness. Im looking into things and they have changed so much, like wrong dates and amounts, changes made without my approval, lies, etc. I have had increased that were 100 % at a time, and mainly my anniversary date on my promissory note was different that the 8 years later by Department of Education or one of its services. This makes me have to wait 8 additional years. Its like they are doing what they want to do with the loan to their benefit. Im so upset and have asked them for information and a copy of the promissory note, payment history, and negatives history, my file or record. Please help me if you can. I will wait to hear from you but trying to gather my data because if I dont get answers from them I will ask through the court suing them for allegedly altering my loan because I havent changed or signed for anything to change. I want to see for myself what they are doing and have done. I was pretty faithful through the 25 years. I took out this federal loan for XXXX balance post graduation. I have many receipts showing the discrepancies. So on income based payment plan after 25 years Im said to owe {$170000.00}. So Im a registered XXXX who always had to have income based. They just recently asked for me to fill out a form. I feel like Im paying to be a XXXX, in this much debt, credit impacted more than 125 points, paying highest interest for everything because of this impact and never been able to afford a down payment on a home. All to borrow {$30000.00} for school. Please help me obtain my loan information from them so that I may be rewarded for 25 years payments. I hope not to have to now fight for it. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On my XXXX & XXXX reports for the Nelnet Direct Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A