Date Received: 2020-03-06
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I contacted XXXX university for which was given money to cover expenses of education. The problem is I've never attended this school, enrolled in this school. I have 0 classes and 0 credits for this school however I am still being held responsible to pay for a loan given to a school that I did not attend. ( 2 ) i contacted the us department of education and they emailed me a form which I've sent back to them regarding this complaint. However, the problem is my tax return is being offset. Which the calculation is in question of exactly how much I owe. Because money was paid to a school I did not attend. My account is now is with XXXX XXXX XXXX whom of which have a 66 page lawsuit pending for predatory practices. Which I told the department of education that I was uncomfortable working with this agency for such and they advised me to still work with them
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
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 in school and did not graduate until XX/XX/XXXX. For reasons I am unaware of my University had me listed as graduating in XX/XX/XXXX. This created 30 day lates on all of my student loans and ruined my credit. I have since contacted the University and have received evidence I was in school and sent this to all of my student loans and all of the late pays have been corrected except Nelnet. Nelnet has refused to remove the late pays, even though they have received the same information I submitted to all of my other Student Loan Companies. How can this documentation provided be sufficient for my other student loans, but not this one? I have never had a 30 day late in over 14 years of credit history. It is clear to me I can pay my debts on time. This situation has taken over 6 months now to be corrected and needs to be fixed. Thank you
Company Response:
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hi Financial Protection Department, My name is XXXX XXXX I am a recent graduate from XXXX from the XXXX XXXX XXXX at XXXX but started XXXX XXXX school at XXXX XXXX University in XXXX, XXXX shortly after graduation in XXXX XXXX.When I was in my XXXX I took some subsidized Loans and one small unsubsidized loan at XXXX XXXX and a Perkins Loan from the XXXX XXXX XXXX at XXXX. After graduation I choose a payment plan after Great Lakes Borrower Services sent a letter stating they were the company taking care of the services. Plus I also received a letter from the XXXX XXXX XXXX Perkin Loans that I will need to start paying the loan after my forbearance period. After I enter XXXX school in XX/XX/XXXX I quickly ask my academic advisor to give me an enrollment official letter to get a deferment approved with Great Lakes Borrower, I did fill out the form my academic advisor sent the letter with an attachment enrollment form. Weeks later I find out that it was not approved because it was missing if I was a XXXX XXXX. She places this in the next letter she sent. Yet, at this time I find out again that it's been denied due to not having my expected graduation. My academic advisor fixed this in the next letter she sent and email. And again this time because my academic advisor forgot to place the enrollment starting date. After this it gets approved in XX/XX/XXXX that I been approved for deferment request and that the records I sent indicated that I was in school from XX/XX/XXXX and expected graduation is XX/XX/XXXX, and that I did not had to make payments until after graduation and my forbearance period. I did not worry about anymore until I get a notification in XX/XX/XXXX that my payment was due XX/XX/XXXX. I sent Great Lakes Borrower services an angry letter stating that this is a mistake and even attached a screenshot of their email they sent me of the approval of the deferment request. I got replied that it was no mistake that they contact my school and that they told them I was never enrolled and said that if I think this an error fill out the deferment request one more time. I did and even asked my advisor if someone in the academic or records department was ask of my enrollment status they say this was not possible due to privacy compliance. I forward this email to them and have recieved a replied stating that the letter had been signed more tha 60 days ago and they need a new letter with a signiture no more than 60 days, dimissing my other inquiries about if they really ask my current school for my enrollment states. I have several points to complain and reply. First, why are they lying or deceiving me in not approving my in-school deferment request? I think they are lying and want to take advantage of this time I have not been able according to them that I am a 'XXXX XXXX XXXX ' but I did several times in XXXX but when I call them in the phone they pretend that this never happens. Second, I feel this is predatory behavior everytime I call them on the phone they threaten me to go tell the credit bureau and will affect my credit if I don't pay anything in the meantime I dont get this fix.I place all the forms and emails to attachments in this email, I hope you as government agency can help stop this predatory behavior.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78520
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am on an in-school deferment currently, with a portfolio of unsubsidized loans, and I called my loan servicer Nelnet recently to make a payment on my interest, intending to pay that on a monthly basis in order to offset the amount that will be capitalized at the end of my deferral. The guy I talked to was adamant that it would be a waste of my money to pay the interest because he said the moment before it capitalizes when I finish school and end the in-school deferment, the federal government will pay that interest amount. I told him I have an unsubsidized loan, and he said it didn't matter, that the interest accrued while I'm in school would get paid, in the servicer 's words, " just before it capitalizes. '' It is my understanding that the interest on subsidized loans will be paid by XXXX, but not that on unsubsidized loans. He is either ignorant of that, or intentionally misleading me. I think it is also important to state that this individual was extremely rude and patronizing throughout our conversation, and simply refused to be helpful.
Company Response:
State: OR
Zip: 97217
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: please remove fraudulent accounts XXXX XXXX opened : XX/XX/XXXX dept of education/nelnet opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is only company reporting this error
Company Response:
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
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: Dept of Ed/Nelnet was sent a police report to remove the fraudulent accounts off of my credit report and this was not done.
Company Response:
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX is refusing to remove 9 late payments that they claim were after my XXXX began, XX/XX/2016. The supposedly late payments are still inflicting emotional damages upon me because Im XXXX XXXX XXXX, they dont need to be adding insult to injury. Those 9 late payments still effect the repair of my credit and reputation.
Company Response:
State: IA
Zip: 520XX
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I apparently took out a Parent plus loan in XXXX but never once received ANY notifications, bills, calls or even an email. Then in XXXX they take my tax refund via offset without ANY notification that was about to happen so I could have gotten more information ahead of it. The refund I was getting was to pay the bills I'm behind on and save our house because I'm a single mom with one source of income and I literally just had my heat shut off. That refund was our ONLY hope. After 3 days of searching I FINALLY found the servicer ( because i didnt have any information because they never sent anything ) they informed me I could not received the tax offset hardship refund because my house isnt in foreclosure. THATS THE WHOLE POINT TO STOP THAT FROM HAPPENING. Now it will thanks to Great Lakes. I need help NOW before my daughters and I end up in a homeless shelter. This is just wrong!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: NelNet Loan Services are putting inaccurate and non certified information on my credit report that does not belong to me. Balance XXXX. Date Claimed Open XX/XX/2008. They are still reporting to the credit bureau. Balance XXXX Date Claim Opened XX/XX/2008. They are doing illegal practices and are unethical.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: NelNet Loan Services are putting inaccurate and non certified information on my credit report that does not belong to me. Balance XXXX. Date Claimed Open XX/XX/2008. They are still reporting to the credit bureau. Balance XXXX Date Claim Opened XX/XX/2008. They are doing illegal practices and are unethical.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A