Date Received: 2020-03-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: When I left school, I left XXXX in XX/XX/XXXX ( lender issued by the school when I graduated school in XX/XX/XXXX ) and consolidated my loans with Nelnet. After I found a better rate with XXXX in XX/XX/XXXX, I left Nelnet. In XX/XX/XXXX, three months after I was done with Nelnet, they charged me {$1200.00} ( {$1100.00} of principle and {$100.00} of interest since XX/XX/XXXX ) and said it was due to a leftover payment from XXXX all of sudden discovered during the consolidation process with CommonBond. When I called XXXX to ask if they had charged Nelnet, they said my account with them has been closed since XX/XX/XXXX and no changes have been made with them ever since. They even showed me proof ( because I can still log in and access my account ) that all payments regarding my account were made back when the consolidation happened in XX/XX/XXXX and they were able to provide a letter confirming that which I sent to Nelnet, along with all payments made to that account. Nelnet is lying and issuing fraudulent charges to borrowers like myself. I have had over 4 points of contact with Nelnet and not a single person can show me the proof on their end that XXXX charged them, hence why they would be passing on that charge to me. This last call I had with them today ended with them saying they are firm on their stance and will not show me the invoice, or comparable evidence I am looking for. I will not pay them because it those charges are made up and they need to dismiss this right now. This one pending charge with them is appearing as an extra line of credit in my credit report and that is unacceptable.
Company Response:
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX is reporting an inaccurate account with Great Lakes Servicing. It is incorrectly listed as Open. It has been closed/transferred. I disputed the item with XXXX but XXXX did not investigate the item or even attempt to verify it with the company. I called Great Lakes Servicing and was hung up on by two supervisors ( XXXX ph : XXXX ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX USDOE/XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 check 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: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: From the best of my recollection : 1. XX/XX/XXXX Access Group loans were split between Nelnet and Firstmark 2. It was improperly communicated to me that it was two different agencies. 3. I made payments to Nelnet and did not realize nothing was going to Firstmark 4. In XX/XX/XXXX, when I realized that Firstmark needed payments, I made a lump sum payment to catch up. 5. I set up autopay 6. I then asked to have my future payments applied to both Nelnet and Firstmark 6. They did not apply to Firstmark 7. When I realized this was the case, I again made a lump sum payment and set up an autopay to two companies in XX/XX/XXXX 8. I have not missed any payments since the autopay was straightened out 8. However, now Firstmark reported the missed payments to credit report and Firstmark is not willing to fix
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Great Lakes Student Lending XX/XX/2020 I sent email to complaint department about Billings and telling them they are emailing me past due notice and telling me Im past due for future payments. I again called today and spoke to XXXX in customer service and she filed more information. I have faithfully paid this over many years and the billing is stressful because its very threatening and its against the FDCPA to tell me Im past due when Im not due. I have paid from over $ 50k down to $ XXXX and this is a clear violation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-22
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 shocked when I reviewed my credit report and found late payment on the dates below : USDOE/GLELSI XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/XXXX 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 check 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: Company believes it acted appropriately as authorized by contract or law
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2020-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I presently wanted to enroll to a different college. After deciding to commit in their program I was automatically put in the student aid office process. There the loan advisor informed me of a Personal Loan obtain under my mother 's name when I enrolled at XXXX without my consent or her permission. No social security number was provided of hers and the only signature of hers provided was in fact in the copy of my birth certificate which I provided as US citizen proof. The issue is that a profile was generated for me and another for her on Nelnet loan Servicer website. Hers is titled as a Mortgage. Under FSA it's a PPL and the school no longer exist thus request I've submitted requesting signature loan application that I only sign have not been provided by Nelnet, which by the way manufactured the account illustrating Nelnet as the sole loan provider they claim she independently requested. That goes for account in my name. Get this : if I call to speak of the account in her name I'm denied since she has not notified that I'm allowed. So why didn't they notify her that they have an account in her name that has accrued subsequent amount in dept that legalized these businesses to profit margins stemming from causing debt I did attend XXXX did obtain aid. I need this corrected so that I pay it back. My two initial loans were XXXX. The program was XXXX. I worked for XXXX as a recruiter while studying the second half at XXXX XXXX N.campus. As incentive if ONE of my scheduled recruits were closed by a Licensed enrollment counselor my post graduate repayment obligations could reduce. ( 3 ) of my recruits committed. On the last day I was handed a bonus commission check for XXXX. Today according to Nelnet I owe XXXX. I thank you for your time.
Company Response:
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2020-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: The final post discharge monitoring form for year 3 of the monitoring period was emailed to XXXX on XX/XX/2020. Please provide confirmation that this no income information was received and processed on the form. Also, confirmation that I have now completed the 3 year post discharge monitoring period. Proof the completed form is attached.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
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 writing to file a formal complaint against Nelnet/Department of Education for their inaction to validate information being reported to the credit bureaus. My credit report that I had recently obtained show a series of late payments which were incorrect. XX/XX/2020 : via certified letter, I requested a FULL complete 24-month payment history of all accounts associated with my social security number. As within my rights, I requested the full double entry bookkeeping accounting ledger which would prove my payment history. XX/XX/2020 : The letter request was received by the Nelnet/U.S. Department of Education in XXXX, NE. XX/XX/2020 : A standard form letter was generated from Nelnet with incorrect Account Number which did not address my request at all. Simple math tells me that an investigation was not completed as the standard letter that was sent in response was generated within a week. I am at a loss as to how payments can be reported incorrectly to the credit bureaus against me if the data provider does not validate whether my account was actually late. Doesnt the Fair Credit Reporting Act prevent this? I am seeking your intervention with this matter. Thank you for your assistance. Sincerely, XXXX XXXX
Company Response:
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2020 I applied for a forbearance. On XX/XX/2020 the account was 30 days past due. On XX/XX/2020 First Mark Services reported my account as 30 days past due with a delinquent amount due. On XX/XX/2020 the lender XXXX finally approved the forbearance.. First Mark refuses to fix my report even though the forbearance was approved. Its not my fault it took the lender so long to process the forbearance.
Company Response:
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A