Date Received: 2019-12-27
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I requested for an audit of my student loans but the servicer refused to honor my request. I believe the balance is not accurate and the issue started with a previous servicer XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The view in which borrowers view their account information at the payment screen is entirely misleading and deceptive. The screen, on a mobile device, reads as if the payment amount IS the payoff quote. Aside from being confusing, once you realize that it is not giving you a payoff quote and that it is a link, I have concerns that the mobile view is not ADA complaint. As a borrower with a XXXX XXXX, I am at another disadvantage from this one oversight.
Company Response:
State: NY
Zip: 14120
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
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 DEPT OF ED/NELNET. 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 3 Bureaus and DEPT OF ED/NELNET with no successful resolution. 3 Bureaus only reporting me late. There was definitely an error on their part.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Nelnet has failed to provide an original instrument of indebtedness ( Master Documentation ) with my signature from the original creditor of the student loans from which they purchased. Nelnet ONLY provided the consolidation promissory note as a loan servicer and NOT the original instrument of indebtedness. I need to see the original instrument of indebtedness in its original form to consider this debt valid within 30 days. If not I will consider the debt invalid, null and void.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My names is XXXX XXXX. I have my student loan though Great Lakes Educational Loan Services.My id with them is GLID : XXXX This months payment was to be made last Sunday XX/XX/XXXX. When I went to make this payment that Sunday the website told me I was past due. I immediately made the payment and contacted Great Lakes today XX/XX/XXXX that although I did pay it in the right day because the payment was made on a Sunday it does not count. Great Lakes themselves gave me the due date of XX/XX/XXXX. I was told I needed to make the payment 3 days prior for the payment to processes. I voiced to them this was unfair but was told nothing can be done. Great Lakes Educational Loan Services will now report to credit agencies my missed payment, they now expect me to pay the entire XXXX balance by XX/XX/XXXX and have added XXXX in unpaid interest. For my entire history of repayment to Great Lakes Educational Loan Services I have been on time. This is unfair and they refuse to help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have two student loans through XXXX XXXX where my dad was the co-signer, and he filed chapter XXXX bankruptcy in XX/XX/XXXX, so my two student loans were pulled into my dad 's chapter XXXX bankruptcy repayment plan. As soon as the accounts were marked bankruptcy by XXXX I lost all visibility to the loans. I could not make any payments on the account online, I could not see my balances, and I had no address of where I could mail a payment to. I called XXXX XXXX multiple times asking to speak to someone so I could still make payments on these loans, or if they could be removed from the chapter XXXX bankruptcy so I can still pay on them. Every time I called in to XXXX, they transferred me to their bankruptcy representative for Iowa. I left two voicemails asking for the loans to be removed from the bankruptcy and offered to sign something if had to so I could still make payments. XXXX never called me back. I talked to my dads bankruptcy lawyer and he said to stop making the payments and let the chapter XXXX take care of the loans. I did what the lawyer told me to do, but then in XX/XX/XXXX XXXX dinged my credit for a late payment on the student loans. I talked to my dad and he said their bankruptcy XXXX in XX/XX/XXXX so he wasn't sure but he sent me his discharge papers and there is a several thousand dollar discrepancy between what XXXX says I owe and what my dads court papers say is left on the account. The discharge papers show that when the bankruptcy started the first loan had a balance of {$4700.00}, and the second loan had a balance of {$5800.00}. The papers also show that the courts paid {$4300.00} on the first loan, and {$5300.00} on the second loan. That leaves a balance of {$470.00} on the first loan, and a balance of {$580.00} on the second loan, totaling {$1000.00} principal balance left for my entire account. When I log on to XXXX they show I still owed over {$4000.00} on both of my loans. As of today, XX/XX/XXXX XXXX shows I owe {$3700.00} on one loan and {$850.00} on the second loan. Back in XX/XX/XXXX I called in and asked an agent at XXXX why the amounts differ and he said it was due to them buying the loans from XXXX Bank, and I asked if that would cause a $ XXXX discrepancy then he said to send in the discharge papers for XXXX to review. An agent emailed me back a couple weeks later saying that the difference in amounts was interest charged that the court did not take into consideration. I tried to pay these off before they even reached this point but XXXX would not respond to me, I've tried to work with XXXX to show them that they're charging me $ XXXX in additional interest due to XXXX bank not responding to me when I wanted to pay these off back in XXXX. XXXX doesn't seem to understand. I just get responses about how I am reading the discharge papers wrong because I am only seeing a balance left for one student loan but not both. Or I get a response that says its interest that I owe. I am not reading the discharge papers wrong, and I am trying to negotiate the remaining balance on my account so I can pay it off and close it out but XXXX will not work with me. I requested to pay this back during the bankruptcy and was ignored, you can not come back five years later saying now I owe $ XXXX in interest due to your lack of response. If you assume XXXX XXXX debt you also assume their mistakes which includes the one they made on this account by not letting me pay it back sooner, which would have resolved the issue of the additional interest.
Company Response:
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2019-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet Incorporated. I took out 4 student loans over a 3 year period from XX/XX/XXXX-XX/XX/XXXX. I got a federal perkins loan as an XXXX at XXXX XXXX, XXXX near the amount of {$1000.00} and paid that off in XXXX. The second loan was a {$5500.00} FFEL loan while I was at XXXX XXXX XXXX as well. I graduated from XXXX XXXX in XXXX and immediately went to XX/XX/XXXX to XXXX for XXXX school in XXXX. The last two loans were conjoined with the XXXX XXXX bank as two separate {$8500.00} loans to go to XXXX school. When the Department of Education loans were privatized without my consent by the Clinton Administration, the loans were sold off and lost, yes LOST from XXXX XXXX. I called them multiple times in XX/XX/XXXX and XX/XX/XXXX and they had no clue who serviced my loans. I was told that both loans were sold off to DIFFERENT banks MULTIPLE times in a one week period and the records are gone. I gave up. In XX/XX/XXXX Nelnet said they had my loan records and somehow offered me debt consolidation. I had no choice since the Federal government had lost all records of my three loans still unpaid. I had no banks to send any forebearance paperwork to, which I needed to do ... So I was stuck with Nelnet. I was still going to school completing a second XXXX XXXX degree and finally finished my collegiate education in XX/XX/XXXX ( I applied for forebearances before then, and then started making payments ). I found out inconsistencies in my paperwork of payments in XX/XX/XXXX. I tried multiple times to pay ahead on my loans prior to XX/XX/XXXX. I was told I could not. I was told that I was charged interest every day, and that could never change. I would make payments with special instructions NOT to carry forward my due dates, but instead pay down on the principle of the account. There was NEVER any proof that those payments were processed properly. Lastly, I complained in XX/XX/XXXX and was wrangling on trying to make early payments which were {$170.00} / month at the time. I was then told that the ONLY thing they would let me do is lower my monthly payments to {$50.00} per month. I told them over 3 times that I did NOT want to lower my payments, but make early payments and got nowhere. They ended up RE-AMORTIZING my loan WITHOUT my approval and without my consent. I called and complained MULTIPLE times to put the terms of my loan back to what they were and tried to make an offer to pay ahead on my loans on principle payments, not interest, and they refused EVERY single time. I am STILL in this fight with them after 6 years more of efforts. My most recent attempts with the Department of Education ombudsman ( I've been working with them for years on and off to get help ) also led the Dept of Education to favor Nelnet to keep the loan as it is. Nelnet claimed to have NO RECORDS of ANY re-amortization, and yet claim I authorized it, with no proof. There is NO paperwork as it was done behind my back, and I never signed ANYTHING to agree to a re-amortized loan. I have subsequently asked to have my loan to be forgiven as a last ditch effort after 6 years of wrangling. I now only owe under {$1000.00} after trying to pay off this wretched loan for over 24 years. I just wanted to pay my loans off early, and I got NOTHING but headaches. I had to give Nelnet my loan amortization record in my XX/XX/XXXX Department of Education complaint I had gotten from NELNET in XX/XX/XXXX via fax, and they claimed that they had NO RECORD of the information I had actually gotten FROM them in XX/XX/XXXX! When I supplied it to them, they refused to acknowledge that the data on my paperwork FROM NELNET was something anyone present at Nelnet could understand. They have been either very fraudulent with me, or are incompetent. There is evidence for much of both with my student loan case. I can supply more than enough e-mails and documentation about my loan available upon request.
Company Response:
State: CA
Zip: 93436
Submitted Via: Web
Date Sent: 2019-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A