Date Received: 2019-04-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dept Of Ed/Nelnet CLOSED This account has been closed since 2003 and every few years it gets updated with wrong information. Today I noticed that the closed account has been updated with yet again mis-information about me paying {$79.00} a month. This is wrong and I need this account remove from my credit report. I never paid {$79.00} a month on this account and why is it updated with wrong information.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Dear Nelnet Inc. You are representing XXXX in the aforementioned account XXXX listed under XXXX XXXX. Mr. XXXX has advised your company in previous complaints against XXXX XXXX that the accounts where in dispute prior to you receiving them for servicing. After reviewing the promissory note you claim that is verification of the deficiency balance. You also claim that you had sent Mr. XXXX copies of the payment history on this account. You ( Nelnet ) and XXXX have purposely devised misrepresentation of material facts. The documents I have been provided by MRXXXX XXXX clearly state that you are the student loan corporation using Nelnet systems. You claim this is a legitimate claim, however when you had sent the loan to XXXX XXXX they returned it back to you finding errors and your collection attempts and validation request was denied. You attempt to collect this debt although Mr. XXXX had disputed this account with XXXX XXXX violating provisions of the FDCPA. You are required by law to provide full validation, a promissory note is not sufficient for full validation request pursuant to section 623 of the FCRA. This debt is disputed and a request is made to notify the data furnisher of disputed information on XXXX XXXX XXXX XXXX. This claim is for the following creditors, servicers for a private student loan originating XXXX and XXXX from XXXX XXXX. A XXXX Assist student loan. Please verify with thXXXX National Student Loan data systems that this loan was dispersed to the institution attended.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Listen, I'm not sure how to handle this anymore but I've sent several letters both to the credit bureaus and the original creditor that I've never signed any documents about this debt and I've sent signed affidavit notarized confirming that it's not my account. Please remove this account. Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2019-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-07
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 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 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: AL
Zip: 36832
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2019-04-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I applied for a Pay As You Earn Loan/Teacher Sloan Forgiveness and was approved ; therefore, my payment on my account was {$0.00}. I was told that my loan would be forgiven if I worked for a Title I school for 5 years in CA. In XX/XX/XXXX Dept. Of Ed/Nelnet reported to the credit reporting agencies I was 130 days past due, which is inaccurate. I called them and they said that my loan expired and so they sent my information to the credit bureaus without notifying me that it needed to be renewed. It is unlawful to report false information to the credit bureaus. They never contacted me and when I spoke with them on the phone, the CSR confirmed that my payments should be at {$0.00} for the loan I have.
Company Response:
State: CA
Zip: 96003
Submitted Via: Web
Date Sent: 2019-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was in loan rehabilitation for a student loan. Around late XX/XX/2019, I successfully rehabilitated my defaulted loan and it was transferred to Nelnet within the following days. My last balance from the previous loan collector was at {$1500.00}. After the change over to Nelnet, the balance went up to {$2100.00}. On XX/XX/19 around XXXX ( central ), I talked to a Nelnet representative. Nelnet gave me a vague answer stating a 20 % increase happens when loans come out of default. The new balance is more than a 20 % increase. The Nelnet rep could not offer any other reason why my balanced increased. The previous loan collector was XXXX XXXX XXXX ( XXXX ) and Nelnet is the new collector. I have included the last notice from XXXX showing the balance they had.
Company Response:
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2019-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for XXXX. Nelnet Student Loan Servicing has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2019-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hi there, Since XX/XX/2018, Ive been attempted to get on a income based repayment plan or a pay as you earn plan and Ive been repeatedly denied, forcing me into deferment. I just want to have a payment I can afford and I read an article today publicly disclosing that the US department of education is denying requests like mine. This is hurting my ability to make payments and I am counting on your help. Thank you. Sincerely, XXXX
Company Response:
State: WA
Zip: 98501
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I was notified in early XX/XX/2018 that Firstmark Services, who was servicing my student loan that they had, without my consent, stopped my auto debit payments due to a hurricane relief initiative for my area ( North Carolina - we were hit by two hurricanes in 14 days ). I notified them that I had no need to stop auto debit. Instead of turning it back on, they kept it off and now my credit score has dropped 140 points in the mean time before I could discover the error. I want those 140 points back - I did nothing to induce these changes and otherwise have impeccable credit.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: All student loans have been paid in full for many years. They were handled by NelNet and were obtained when I applied with XXXX University Online, many years ago. Today, around XXXX XXXX or so, I received a phone call that left a voicemail saying I need to discuss repayment options on my federal student loans. I tried calling back the caller ID number but received busy signals. I also called the number left on caller ID. However, this number uses a prompt system asking you to identify if you have dept or do not and want to be removed. If you do not choose a prompt, you are disconnected. This truly seems like a vishing attempt to identify who are targets that actually have federal student loan debt. Additional information is below and I attached a copy of the voicemail left by the fraudster. Caller ID displayed : XXXX The name used by the caller : XXXX XXXX Call back number left on voicemail : XXXX ADDT NOTES : This complaint is not against NelNet ( the loan services provider ), but I had to choose someone to move forward. This complaint is against whoever is attempting to defraud those who hold or have held federal student loans. Fraudsters could have easily obtained this information from the XXXX or other data breaches.
Company Response:
State: FL
Zip: 33406
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A