Date Received: 2019-06-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX university has shut down and I still have outstanding debt with them. I was told that once the school was shut down I could file to have these loans gone due to the school shutting down I would I do this?
Company Response:
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My son attended XXXX University 10 years ago for one year which I paid for under a Parent Plus Loan. Someone other than myself signed a Private loan for a second year however several key information items were incorrect in the loan application including misidentifying my wife 's name, email address along with signature dates. The loan application was electronically signed with my son 's name and me as co-borrower. I filed an identity theft report with the XXXX County Police who were unable to investigate as too much time had past between the filling of the complaint and the original loan. I became aware of the loan only after 3 years and six months from granting and paying XXXX University as the loan was in deferment until the forecasted graduation date plus six months. The loan has been in collection for over 7 years ; is now charged off but listed as a charge off against my credit score. As this is the result of ID theft and the creditor failed to establish liability within the statue of limitations in Virginia I have repeatedly ask each of the credit reporting agencies to remove from my record.
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: In response to the letter date XX/XX/XXXX 1. Loan Validation Direct loan servicing center ( XXXX ) has never sent an itemized balance sheet showing how much was paid and how much is left. If I have no loans serviced by Nelnet then why is Nelnet using XXXX XXXX and other agencies. Denying my status with social security. have never received a statement from XXXX to show my loan balances and occurring payments done from XXXX. XXXX XXXX never sent a validation by fair debt standard. 2. SSA Benefit offset I was legally XXXX XXXX in XXXX of XXXX. My last payment to XXXX was XXXX of XXXX. Attached is a test done in XX/XX/XXXX and was ordered by new york state office of temporary & XXXX assistance. An independent specialist and my physicain came up with two test that concluded I was XXXX XXXX. My XXXX date was officially XX/XX/XXXX My review was scheduled for XX/XX/XXXX. that qualifies me for 5 to 7 year XXXX. So how can Mr XXXX of Federal student loan aid disqualify me when two independent specialist did the test. If we have received information from the Social Security Administration ( SSA ) indicating that you are receiving Social Security Disability Insurance ( SSDI ) or Supplemental Security Income ( SSI ) benefits and that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination. If you are receiving SSDI or SSI benefits and your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination, but we did not contact you about a XXXX discharge, you can apply and provide documentation of your SSA notice of award for SSDI or SSI benefits or a Benefits Planning Query ( BPQY form 2459 ) stating that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination. 3. XXXX Applicaton Status My XXXX has certified and sent the necessary paperwork
Company Response:
State: NY
Zip: 14223
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXXXX/XX/2019 I mailed my monthly payment to Nelnet as I have always done for my student loan payment. I have always paid my student loans on-time every month with a 100 % on-time payment structure. On XX/XX/XXXX XX/XX/2019 I receive a notification saying that my five of my accounts with Nelnet are 90-140 days past do. I called Nelnet and they stated that it was reported as a mistake. They show that I am a full-time student with loans in deferment mode. They showed that they are receiving a {$30.00} payment per month as well. Although, my payments are not required, I still make payments to maintain my good credit score. My score has dropped due to this mistake from a XXXX to XXXX. I have never had a low score and I am asking if someone will please correct this. I struggle to make a monthly payment to Nelnet monthly and this is an insult. Thank you for allowing me to place this complaint as something needs to be done in reference to student loans being able to do this to people.
Company Response:
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
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: There are 4 student loan accounts on my XXXX, XXXX and XXXX credit files, two of the accounts have different account numbers, the two accounts named DEPT OF EDUCATION/NELNET account number is XXXX, and the two accounts named U S DEPT OF ED/XXXX/XXXX account number is XXXX. the problem is there is no phone number being reported and it says that the accounts were opened in XX/XX/2012. I have disputed these accounts with XXXX, XXXX and XXXX and for some reason they told me that the accounts were verified as accurate. I asked XXXX, XXXX and XXXX for the original contract that has my signature on it or any documents that they might have that proves that these accounts belong to me or that proves that I opened these accounts since they are claiming that the accounts were opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want these accounts validated or deleted from my credit file.
Company Response:
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 180 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A few months ago, I emailed Nelnet a copy of my DD214 form and asked that the missed payments I have from XX/XX/2015 be removed, due to me being away for XXXX and not being made aware that my deferment status was ending. After checking my report today, to my dismay, nothing has been updated or corrected.
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: on XX/XX/2019 we recieved a letter stating my student loans would be consolidated on XX/XX/2019 and the first payment would be due in 60 ( about ) does not mean 30 days. Today they suddenly changed the terms without our knowledge and want it due on XX/XX/XXXX. I called and spoke with someone a couple weeks ago and he assured me it would be XX/XX/XXXX. They only called me a liar and said it was XX/XX/XXXX when I have documentation first payment will be in XX/XX/XXXX. They are practicing illegal loan terms and need to be investigated. I will be getting a lawyer. The loan is XXXX a month for 30 years.
Company Response:
State: OK
Zip: 735XX
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: For the past two years I have been trying to get my student loan re-certification completed correctly through Nelnet. It has been an epic failure, so much so that I had to use emergency Forbearance twice which of course increased my loan amounts which of course are already high. Since XX/XX/XXXX I began making auto debit repayments and the payment was based on my income and house hold and there were no problems. XXXX I was unemployed and had a baby and went back to paying towards end of XXXX. The trouble started after I got married and attempted to re certify. I always complete this process online using my tax returns and it goes through no problem. But Nelnet 's system malfunctioned for over 4 months during re-certification period, not allowing on line submission. I thought my application was completed when all of a sudden I received an email in XXXX which suggested a XXXX dollar deduction for loans. my payments were previously around XXXX. To go from XXXX to a XXXX was a stretch. I may have just gotten married but I did not have any extra income. I called I went back to nelnet resubmitted my app online. I did this for 3 months after trying to get the re-certify complete, it never went through, after multiple calls where each customer service rep gave me a different reason I had to request forbearance I could not pay. Which capitalized interest again. I attempted re certify again for 3 months starting in XXXX. I was finally told my name change due to marriage is what kept throwing my app out the system so I had to do a manual application and mail it in. After the first submission, the team said i did not apply properly I should have asked for the lowest payment. So I completed the application again, asking for a recalculation selecting lowest payment. After 3 weeks I called to discuss the recalculated amount, and I did not receive a lower payment. The customer service rep told me this time its because I checked recalculation ( i did not check recalculated the previous rep populated the form and told me I needed to submit a recalculation ) and so the application processor
Company Response:
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE BEEN DISPUTING DEPT OF ED/ NELNET FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE FTC AND FILL OUT THE AFFIDAVIT THAT EVEN NELNET SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A