Date Received: 2019-08-26
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 NELNET LOAN SERVICES. 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 XXXX and NELNET LOAN SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 Days Late in XXXX, XXXX, XXXX, and XX/XX/2019 2019
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
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 NELNET XXXX XXXX. 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 XXXX and NELNET XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 Days Late in XXXX, XXXX, XXXX, and XX/XX/2019 2019
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2019-08-24
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 mailed certified letter to Department of Nel net student loan center about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.
Company Response:
State: CA
Zip: 93657
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Wages being garnished because of no payments. Tried many times to set up an affordable payment plan. Couldn't connect with NELNET services on line or phone. I sent letters trying to get lower payments or forgiveness and tried to reach out to other services for information. Unfortunately it's difficult to determine which is real versus a scam to get personal information. The school I attended lost it's credibility and now my degree is worthless so I feel like give them money back is a ripoff.
Company Response:
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have a recurring auto debit on the XXXX of every month and for the month of XXXX that payment did not occur. I was informed that the auto debit would not occur for XXXX because my account did not have a payment due and there was a system issue that is trying to be resolved. I pay more than the amount due and have accrued enough excess to be months ahead of my payment so the system did not take my payment. I had to contact the lender to determine why the payment did not occur, when going into the web portal the message simply says to please wait a few days for it to be resolved. I have since gone in and instructed a one time ACH to pull today to make the XXXX payment. If I would not manage my finances to a strict budget I would not have noticed the payment did not occur and my account would accrue unnecessary interest. However, my account will accrue additional interest for the delay in the payment (only 6 days on one payment but this is bigger than just my account). The error by their system will in turn cost me and every other individual that has a loan with the organization that is paid ahead additional money.
Company Response:
State: MI
Zip: 48170
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX, Nelnet purchased two of my student loans. I was in deferment at the time. In XX/XX/XXXX Nelnet reported to the credit bureau I was late on my payments. I never received information regarding the purchasing of my acct. My one phone gets about 20 robo calls PER DAY. I have had to ignore/turn off for peace of mind. If they tried to call I probably couldn't tell due to the tobo calls. I discovered Nelnet when I obtained a credit report. Contact with their acct resolution is did not get the info corrected and stated they cannot correct the credit info. I would have to have a complete XXXX discharge that dated back before the report to the credit bureau occurred. That I signed a paper in XX/XX/XXXXthat I would keep the loaner informed with contact info. I still live here but phone ?????? Being under impression that I was in deferment......am I to call the lender each week to make sure they have not sold my acct?. I don't know how students can keep up with so many companies and transfers in the mist if so much fraudulant companies taking advantage of us....especially XXXX yr old ones. Something needs to be done to clarify who is who and companies responsible for taking deferments with their purchases or alerting the consumer. Now I have 7 to 10 yrs of bad credit from it. I trusted the system when I filed for the deferment to keep it.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-20
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: In XXXX XXXX I contacted XXXX, Nelnet/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with regard to grossly inaccurate information submitted to the credit bureaus. I had not received any correspondence from the Federal Student loan agency re any alleged debt. When I asked why they hadn’t let me know of any problem in any way, they stated that they didn’t have my mailing address or email. I pointed out that I still have correspondence from them at the correct addresses from XXXX when I was granted discharge on the remaining balance due to permanent disability.XXXX made some corrections and my credit score went above 610, the necessary figure to be considered for affordable housing. I am now technically homeless though I’m still at my address because tenants are suing the landlord for wrongful eviction. I have been turned down for over 50 apts due to these inaccuracies on my report.Now, my score has gone to XXXX due to the fact that when XXXX contacted NelNet, they confirmed that I still owe them money. They even state that I am in delinquent status due to 5-6 months unpaid when I’ve never received a bill from them. I have made two payment arrangements with them, one of which should be reflected on my report in 60 days. The XXXX department itself at the Department of Ed advised me to set up these arrangements and told me that he has contacted XXXX regarding the inaccuracies in my report. I am not in a position to wait 60 days to find a new home. Please help.
Company Response:
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2019-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XXXX, XX/XX/2019, I contacted Department of Education/Nelnet and set up a repayment , the Extended Graduated Repayment Plan, in which according to the creditor my next payment is due onXX/XX/2019 and that everything was approved for me to begin to pay on all of my school loans in a consolidated payment. I was told that I would receive the confirmation in two days but after not receiving this information I contacted Nelnet again to inquire about this and I was told by a representative named, XXXX, that it wasn't approved. I expressed my total disappointment because I was misinformed and not notified otherwise; had I not called I would never have known. XXXX then stated that he fixed it and even gave me a lower payment amount with an extended payment due date. Then when I again didn't receive the confirmation documentation I called back and spoke to a representative named XXXX. He told me that XXXX had misinformed me as well and that I would have to make three consecutive payments on loan A first and then to call back after the third payment in XXXX, 2019 and then I would be able to successfully set up a consolidated repayment plan for ALL of my loans. I did that and then called NELNET as instructed by XXXX and was then told that was ALL incorrect that it didn't count for ANYTHING just to make payments on that one loan and that the other action was NULL and VOID. ALSO, XXXX told me that XXXX had stated that back in XXXX, 2016 that I agreed to place Loan A ONLY on a different payment plan than all the other loans that I had with them. I told NELNET that I NEVER agreed to that because I had already been notified and requested that ALL my loans be on hold while the Dept of ED investigates my claim for loan forgiveness. I also wouldn't have agreed to do this on ONE loan when there were so many others that needed to be addressed as well.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have this company listed on my credit report and I have no clue nor idea what this company even does. I have been disputing it with XXXX and they are returning saying valid. I have been asking for my wet signature or documents that makes me the owner of this unknown account. I was a victim of identity theft, and I assume this is one of the accounts?This is damaging my creditworthiness and I would like it removed.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2019-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: What set up pay arrangements and they took all the arrangements and nothing was removed
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A