Date Received: 2019-07-31
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: XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$7300.00} XX/XX/XXXX - {$4500.00} I contacted all three credit bureaus explaining that these account were deferred.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XX/XX/XXXX my wife ( at the time ) and I decided to consolidate our student loans after being married for 2 years. XX/XX/XXXX rolls around and the marriage is ended but the student loans we consolidated our still both of our obligation from the divorce decree. Several years go by without any issues paying the loan from both ends until XX/XX/XXXX or XX/XX/XXXXthe ex-wife started to get behind on her part of the student loan payment. After a couple months of being late I called the company that was handling the loan to discuss separating/splitting the loan. There has been so many sales of this particular loan that I couldn't even tell you at the time who was holding the note. After expressing my concerns to the loan company and pleading with them to split the loan so my credit wouldn't take a hit, they told me this type of loan can't be split. I even suggested paying off my portion and then rewrite up the papers with the amount that the ex-wife owes with just her name on the loan and they said " NOPE ''. Even if I was to payoff my portion of the loan, I would still be responsible for the ex-wife 's portion because they will not take my name off the loan. This is the most XXXX thing I ever heard of, especially when it is supposedly a " Federal Loan ''. Now it i s XX/XX/XXXX, the ex-wife is again 3 months behind and I'm stuck paying the payment because I actually care about my credit. I discussed having each of us take out a personal loan or our own monies to payoff this particular loan so we wouldn't be tied together on it. The ex-wife can't afford to do that nor does she have the credit to take out a personal loan to payoff her portion. Maybe I should have asked more questions before signing this type of consolidated student loan. It was 15 years ago that we signed this loan, we've been divorced for 13 years. I would think after a certain amount of time passes from signing the loan, the restrictions would be lifted a bit. This the most frustrating thing I've ever dealt with, especially knowing that I can payoff my portion today. The reason I don't pay my portion off is because it does me no good and the loan still shows up on my credit report. I have a credit score of 790+ and I'm ready to ruin my credit score by walking away from this loan. I thought I got screwed during the divorce but this seems worse Nelnet is currently holding the loan
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I took on a number of student loans during XXXX school. After I graduated in XXXX, I worked for the federal government, and sought information about the Public Service Loan Forgiveness Program ( " PSLF '' ) -- a program where I could get loan forgiveness on direct loans after 120 qualifying monthly payments. In XX/XX/XXXX, Nelnet sent me an email telling me that I had qualified for a " Special Direct Consolidation Loan Opportunity. '' A copy of this email will be submitted with my comments. I spoke with several Nelnet representatives on the phone and told them that I wanted to consolidate my loans in order to make payments pursuant to the PSLF. I submitted an application. A copy of the email confirming my application will be submitted with my comments. After this, I continued to apply for income-based repayment and make payments on my loans, believing that my payments were counting toward loan forgiveness for all of my loans. Years later, in XXXX, when I began the process of recertifying my payment program, a Nelnet representative told me that a significant portion of my loans ( nearly 50 % of the balance ) did not qualify for PSLF because they had not been consolidated as direct loans. I told her that I had consolidated in a " special direct consolidation loan opportunity '' and she told me that process hadn't actually consolidated my loans into direct loans. Now, on several follow up calls, Nelnet representatives have given me conflicting and inaccurate information about which of my loans might qualify for PSLF. I believe that I was mislead by Nelnet telling me I was in a " DIRECT consolidated loan opportunity '' when in fact my loans were NOT consolidated into direct loans.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. the payments are not reflected on my credit reports. is that legal??? also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? at least i am making an effort, an attempt, and doing the best i can to pay. i have phoned nelnet in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: After 2 category 5 hurricanes, Nelnet offered me forbearance. I declined, because I was helping to evacuate, and couldn't leave. I finally got the energy, after working in mold for 1 1/2 years to make the move. Now Nelnet won't give me forbearance until I find a job in FL.
Company Response:
State: FL
Zip: 33703
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Several attempts have been made to resolve this issue, BEFORE It became a collection issue. I attended XXXX on-line, until I became XXXX. Because I knew I had obligation, I called and requested info for how to resolve the loan. I was turned over to collections, I called again to resolve. I submitted documents I was advised. I was denied. I called again and was again advised to submit different/more documents. I obliged. this continues on this back and forth and continued submission of the requested info, only to be informed I did not submit the correct information. Garnishment has now since began against my XXXX benefits. Also, keep in mind I have also been informed, if I was able to return to school, any school, I would not be able to transfer any credits accumulated while at XXXX. I called again to Nelnet to check status of my application, and again advised, of different info will need to be submitted. I am truly starting to feel scammed. How am I responsible for a school loan, for an education I am unable to use, and how can I be a responsible adult if I am repeatedly receiving inaccurate information that is critical to resolving my issue? I have escalated to Nelnet, XXXX, and XXXX XXXX, No one can help me. I am done submitting all of my personal information. I have proven I am XXXX at this point. Im also questioning, how am I responsible for a loan for education I can not use?
Company Response:
State: MI
Zip: 48213
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I received a moratorium for about 5-6 months from nelnet. But im still struggling to keep up with my financial problems. My student loan is making it unbearable to be happy in any circumstance.I Have an empty refrigerator for the last 6 months.. Btw my Associates degree that i majored in is not being utilized.Never had been! Please help in any way you can, so i can take a little breather, and go grocery shopping or let me purchase new underwear and socks, that's needed.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Nelnet/Dep of Ed, to XXXX, XXXX and XXXX. I discovered 3o Errors on Each report. Which indicates that Nelnet/Dep of Ed broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent letters to Nelnet/Dep of Ed. via Certified US Mail, inquiring about the loans reported .They responded XX/XX/2019 Informing me my account required no adjustment. I then wrote them another letter XX/XX/2019 detailing every mistake and they never responded to the debt validation but corrected their errors online. this is illegal.
Company Response:
State: IN
Zip: 46324
Submitted Via: Web
Date Sent: 2019-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
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 30 days late XX/XX/2019
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-27
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: In XXXX of 2018, I re applied for my income driven repayment plan. In XX/XX/XXXX I received a bill for both XX/XX/XXXX and XX/XX/XXXX for a payment amount that was incorrect due to only half of my loans being processed on the income driven repayment plan. I called in XX/XX/XXXX to fix this issue and was advised that it would be by the next billing cycle and denied forbearance. When I received the same billing amount on the XX/XX/XXXX statement, I called again and was assured that this IDR would be reprocessed and fixed, again reassured that I would not need a forbearance. Meanwhile, the solutions team working on this escalated issue notated my account that there was to be no negative reporting due to Nelnets egregious error. In XX/XX/XXXX, I received yet another incorrect bill and called for the third time to get the IDR fixed. It was finally fixed and I made payments immediately thereafter. I was then reported to the credit bureaus for being 90 days past due on my payments. This dropped my score by 125 points and when I called yet again to get this fixed I was told there was nothing they could do. I have called five times within the last two weeks to attempt to get this fixed again and continue to be denied for multiple different reasons all which make no sense. One of the reasons I was denied is because NELNET claims that I made no payments during the time the error happened and because my IDR was backdated, there would have been a payment due. How would I know what to send? If I sent {$20.00} and my payment was {$30.00} ultimately, I still would have been considered late. I need HELP!
Company Response:
State: NY
Zip: 14612
Submitted Via: Web
Date Sent: 2019-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A