Date Received: 2020-07-10
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 student loan debt. In 2017 I was to begin my first payments. I wasn't aware of this at the time. I did go to that school anymore and all the loan company had was my school email address. Also during this time I was pregnant. The months were XXXX, XXXX, and XXXX. XX/XX/2017 is when I gave birth. I was out of work and having to take care of a new born. When I checked my credit a few months later it said I had missed 18 payments. I have 6 individual loans, so each one missed 3 months of payments. And on XXXX it just changed to 24 missed payments, just recently added XXXX as well. I understand it is my responsibility, I was planning on continuing my education and then got pregnant and also moved to another state. I've asked them if they can remove those missed payments multiple times with no as being the answer. I get no explanation at all.. Since 2017 I've had horrible credit because of these missed payments. No matter what I do I can't get rid of them and it doesn't matter if everything since has been paid on time. Never late on any credit cards or car payments. I am also going to school again to finish and get my degree in XXXX. I just would like to be able to do things with my life without this following me around forever. I can't even get a loan with my husband to buy a home or a car. What can I do?
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I XXXX XXXX currently have student loans that is on Income Based Repayment Plan Status. I was approved on XX/XX/XXXX. Today on XX/XX/XXXX, I contacted Nelnet XXXX XXXX who service my loans to update my email on my account. The customer service worker asked very appropriate personal questions not relating to updating my email on my account, but rather relating to my race and XXXX! The employee tried to force me to tell her I had taxable income when I do not. She also wanted to ask additional information and send me a private link. I informed her I sent all required documents in XX/XX/XXXX and was approved for Income Base Repayment Plan. And there was nothing else I have to report about my private life and what does my nationality was. I reported to her what I reported was truthfully and had nothing to hide. I also stated to her why was my race important, on the IBR application never asked me what race I was, and what does the XXXX of my skin has to do with my email account. Then the employee stated to me, " oh I made mistake on your loans and they are actually due in XXXX and that I was approved for Income Based Repayment Plan in XX/XX/XXXX a month ago. Then the employee insisted to I tell her about my taxable income. Finally I requested a supervisor. He told me his name was XXXX. I didn't believe him that his name was XXXX. He told me that I was approved for Income Based Repayment Plan but he wanted to know if I had any taxable income. I informed employee Purple, I sent in all my social security XXXX paperwork Benefit Verification Letter from Social Security Administration. Then XXXX stated to me the information I tell him would be just between me and him and it was totally between me and him. I repeated what I stated to the other employee earlier that I sent all the required documents with the IBR Plan application and XXXX award Social Security Benefit Verification Letter from Social Security Administration Office. Then XXXX told me, " I know you get more money than that. I am sure you get some kind of taxable income! I told him I do not get any taxable income. I receive social security XXXX payments in which I sent with IBR Plan application in Certified mail in XXXX of XXXX.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I as a consumer, was approved for an Income Driven Repayment ( IDR ) plan on XX/XX/2019. I was disenrolled from the program on XX/XX/2019 after making a partial payment by phone on Oct. 16, 2019. I specifically asked if this " overpayment '' as they referred to ( a partial interest payment ) would affect my IDR eligibility. They told me " no, it does not. '' The next day Great Lakes Student Loan Borrower Services disenrolled me ( as consumer ) from IDR, which is supposed to pay the subsidized interest on my loans. My loans were consolidated and included from another school XXXX XXXX XXXX XXXX XXXX University for a XXXX XXXX Degree. I hold 5 degrees. By disenrolling me from the program, I would not get the interest payment, which is capitalized. They disenrolled me a second time in XXXX. I never received any notice if this change, they claim because of the CARES Act. However, it caused my credit score to plummet, and it changed the status to my loan again to forbearance instead of IDR. They have continually refused to sent a written statement to track interest accrual, capitalization, and payments. The interest credit that they did post, does not reflect the total interest accrued for all subsidized loans. I believe this is the reason that they keep my loans in forbearance status. My complaints are as summarized : Great Lakes Student Loan Borrower Services disenrolled consumer from Income Driven Repayment ( IDR ) plan without permission and without notice on two separate occasions. This program is supposed to pay all interest on all subsidized student loans, which constitute 50 % or more, of the annual interest to be capitalized on consumers loan. Great Lakes Student Loan Borrower Services posted nowhere near this required amount of interest during the period that consumer was on the p rogram. Consumer repeatedly requested a statement in order to follow the balance and interest posted, which Great Lakes Student Loan Borrower Services changed and immediately rescinded the statement request to an online statement, which was ambiguous and could be easily altered not being in print. Consumers credit report plummeted each time she was disenrolled. Companies that service and monitor consumers CBR reported a different loan amount than what consumers online account balance was showing. In an email sent to consumer by Great Lakes Student Loan Borrower Services, they claimed on the second disenrollment that due to the CARES Act, they disenrolled me. They never addressed any of my questions regarding capitalizing interest or supplying consumer with a statement, or why they keep putting the loan in a forbearance status. This action increases consumers debt, because it does not allow for subsidized interest from the IDR program to be credited back to the consumers account, which lowers capitalization amounts of the balance. These actions construe unfair trade practices under the Federal Trade Commission, which carries a penalty of {$10000.00} for the first offense and {$35000.00} for the second offense under FDCPA. They have at least two offenses. This method of consumer theft makes it difficult for the consumer to repay the loan, because Great Lakes Student Loan Borrower Services refuses to show or reveal their actuarial accounting and how they capitalize the balance, while telling the consumer otherwise. Consumer believes that this is a form of financial false imprisonment and illegal under banking, finance, and debt collection laws.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Great Lakes has evaded to responding with lawful definition of " payment '' and liability to alleged obligation via fraud, concealment, failure to disclose or intentional misrepresentation under penalty and perjury to foregoing pursuant to 28 U.S.C. 1915e ( 2 ) B ( i ) ( ii ) ( iii ) and Per 15 USC 78m ( q ) ( 1 ) ( C )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received a call from ( XXXX ) XXXX during my lunch break at work. I did not answer and someone named XXXX from XXXX XXXX XXXX XXXX left me a voicemail asking me to call back to apply for a forgiveness due to Covid-19 and that Nelnet which is my student loan company is being sued for Fraud. I called the number back twice and both times they asked how much I owed and when was the last time I made payments on it, after I told them they hung up the call both times.
Company Response:
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was dealing with a financial crisis and I got into a bad situation but I made everything right by paying everything off and I was informed by doing so the creditors were going to update the 3 credit Bureau 's to " paid as agreed '' but they haven't yet and its hurting my financial future.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. Nelent issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020 XX/XX/2020
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: School closed down for fraud all of my accreditations were snatched from me so why should I have to pay back a loan?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
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: A count my settled - paid in full, my credit score was dropped 50 point after updated infor mation. 2. Nelnet list 2 separate account even though I have 1 account and make one payment because loan transferred to Nelnet XXXX XXXX I had late payments during the Sandy strorm There was no consideration during that period of displacement, and loss of vehicle and change in lifestyle expenses. Also living out of my house since XX/XX/XXXX sand Storm to XX/XX/XXXX for home repairs then XX/XX/XXXX to present for Goverment New York Rising elevation project. Paying Hotel expenses and mortgate. with tototal 30 month rental assistance.
Company Response:
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My student Loans were in Forbearance until XX/XX/2016. In XX/XX/2016 my loans went into consolidation. On my current credit report Nelnet is reporting late payments for time periods that my student loans were in deferment or forbearance. Also, Nelnet is showing my loans as late when the loans were not late, Nelnet was completing the process of paperwork internally. I understand that errors due occur and that we all make mistakes. Thats is why I am giving Nelnet 30 days to correct my file appropriately. If this is not updated correctly I wlll file a lawsuit against Nelnet and file a complaint with the department of education. These are not empty threats because you all did choose to report each loan dismemberment separately I have over 16 late payments for loans that were not delinquent.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A