Date Received: 2019-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2019-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2019-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-20
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: The remaining balance on my student loans ( roughly XXXX in XXXX ) was XXXX in XXXX due to permanent XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year reviews. That and other documents were submitted to NELNET/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and XXXX XXXX were reporting over six months of delinquency to the three bureaus. None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion. The XXXX staff at the Dept of Education told me it was clear that I had a XXXX balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago. I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim. I am on the verge of being homeless. This is criminal.
Company Response:
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2019-09-20
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: T his is a simple installment personal loan. They are charging daily interest as might be expected. But when you check the history on the loan their interest calculations are seemingly random amounts. Interest rate was 16.24 % on a {$50000.00} loan. With over 3 years of payments I still owe {$39000.00} any amortization schedule will show you something is clearly wrong with their math. In one case this year it shows only {$63.00} to Principal and the payment before or after that one was $ 500+ applied to principal. Essentially the problem has been they shift due dates, if 2 payments are made in a calendar month they do not consider it the next months payment. The biggest problem however has been getting anyone from the company to actually take me seriously as a customer. They just belittle their customers and will not explain anything about their interest or processes. It seems they shift due dates to try to get late payments or to get extra daily interest charges. I have a similar loan with similar terms and I have paid quite a bit more off the balance in the same time frame. They have excessively used number spoofing to call my cell. In general this has been one of the worst companies I have ever dealt with.
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Nellnet keeps reporting accounts that are too old to report according to fair credit act
Company Response:
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried several times to dispute this debt. I have also attempted to verify the accuracy of this debt to no avail. And lastly, I have written to Nelnet XXXX. XXXX XXXX XXXX, NE XXXX about the possibility of setting this matter in exchange for the original instrument of indebtedness in its original form with no success. Please advise ...
Company Response:
State: PA
Zip: 174XX
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: We have 3 student loans that have a balance of XXXX with Nelnet, these are simple interest loans at 7+ %. We have paid the loans and our next due is XX/XX/2020. We have set up automatic payments of XXXX each month to go to principal, as the P & I payment is not due until XX/XX/2020. Nelnet will not apply any of the payment amount to principal only interest. We should be able to direct additional payments out side of the payment schedule to principal,
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account has been removed and has now reappeared on my credit report. This case has been more the 10 years This student loan company has reported multiple student loan and amounts that I never recieved. The school has been shut down due to fraudulent activities. Nelnet has continually reported increasing interest and shown multiple loans and amounts on my XXXX and my XXXX credit report. while my case is a part of a lawsuit against the school that is in pending to be removed.
Company Response:
State: MN
Zip: 55901
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I qualified for a student loan discharge from Nelnet in XX/XX/XXXX. Nelnet " Discharged '' my loans in full ( $ XXXX ) in XX/XX/XXXX. I have the IRS 1099c form showing " Discharged '' in full. I never again heard from Nelnet until a few months ago when I applied for housing. They said that Nelnet shows past due a few months. Nelnet was called and they said chose to " reverse '' my " discharge '' from XX/XX/XXXX in XX/XX/XXXX. Nelnet wrote the loan off in full in XX/XX/XXXX, and now 8 years later they want to double dip. This is not only fraudulent, but its criminal and predatory. I contacted Michigan Attorney XXXX XXXX, ( XXXX ) and he will take my case and file a lawsuit but he requested I submit a complaint first.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On or around XX/XX/19 I had sent a certified and notarized letter to Nelnet which they had received and overviewed they continue to stick by that the typed in signature on the Promissory Note with my name stands as evidence that I'm responsible for the loan, I told them in a phone conversation ( which I have recorded ) that I contest that's not my signature and I'm not responsible for the electronic signature on the Promissory Note they say I'm responsible for, I then still requested that they send me a Promissory note with my wet-ink signature which they verbally said they do not have such a document and they will not send me a letter stating they do not have such a document. On XX/XX/19 I sent out a 2nd certified letter that included an Affidavit of Identity Theft including a Police report explaining the Promissory Note that was sent to me did not have my wet-ink signature and that I was not the person responsible for signing the electronic signature they claim I'm legally bound to, I continue to state I was not the individual responsible for signing the electronic signature, the agency has been notified that I have reported this to the FTC and were sent documents to prove this, they are still reporting to other credit reporting agencies this incorrect fraudulent information that's greatly impacting my creditworthiness in a negative way and also causing me great mental stress due to not being able to gain housing either it be leasing or buying.
Company Response:
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A