Date Received: 2019-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX managing XXXX student loan XXXX reported delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This loan is in deferment as student is back in school fulltime and has been in deferment since XX/XX/XXXX.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am filing a complaint against Dept of Ed/Nelnet with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am filing a complaint against XXXX XXXX XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I applied on Studentloan.gov for an income-based payment plan on XX/XX/XXXX. I received an email from Nelnet on XX/XX/XXXX indicating they received my application for income-based repayment plan from Studentloan.gov. I am still waiting to hear from Nelnet. They already got access to the IRS for my XX/XX/XXXX tax return. Why are they dragging their feet? At present, the current monthly payment is {$2100.00} per month. I can not afford that. If Nelnet refuses the modification of my payment, I will be forced into default. During XX/XX/XXXX, my income was reduced because my full-time employment ended ( see attached ). I attached my last paystubs for XX/XX/XXXX as well.
Company Response:
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2019-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX, I called Nelnet to speak with them regarding my student loans that are entering repayment later this month. I explained that I was on an income based repayment plan, but was still unable to afford the payment as calculated. I further explained that I did not want to put the loan in forebearance because I was able to pay something towards the loans, just not the full payment as calculated. XXXX, the customer service representative that I was speaking with attempted to see if I qualified for a deferment. I explained that I did not. XXXX explained that my only other alternative was to put my loans in forebearance. I explained that this didnt make sense and asked if there was any alternative between paying the full amount, which I can not do, and forebearance. XXXX stated there wasnt. I asked what would happen when I ran out of forebearance, stating that there must be some alternative between making an impossible payment and default. XXXX stated there wasnt. I further clarifed that there must be someone in the organization with the authority to offer an alternative in that case and that was the person I wanted to talk to. XXXX then transferred me to XXXX. I explained my situation to XXXX. She again stated that if I could not make my payment and did not qualify for deferment my only option was forebearance. I explained that I only had a year of forebearance left and asked what would happen after that year if I still could not afford my payment. She stated my only option would be to consolidate and then I would get an additional 36 months of forebearance. I disagreed, stating that it didnt make sense that someone willing to pay, but unable to do so had no other alternatives then to keep their loans perpetually in forebearance. I further clarifed that there must be a way to negotiate a feasible payment based on my specific circumstances. Only then did XXXX inform me of the option of the Alternative Payment Plan. After XXXX sent over the information for the Alternative Repayment Plan, I asked whether every customer service representative was aware of this option or was that knowledge limited to supervisors. XXXX stated that all were aware. I clarified then that when XXXX told me I had no other alternatives besides forebearance that was in fact untrue and that the kind of repayment plan I was requesting did exist, was not exceptional, and only required one piece of paper to initiate. I further explained that I had serious concerns with how the situation was handled because I was given misinformation and only given correct information after pushing and pushing and pushing. XXXX stated she would retrain XXXX. It is my belief that this is not a training issue. They are intentionally withholding this option from borrowers and only making it known to people who make a fuss. I say this because XXXX gave me the same misinformation XXXX did and only offered the Alternative Repayment Plan when I kept pushing and didnt accept the answer that forebearance was my only option. There are many similarly situated borrowers that would have accepted XXXX and XXXX first answer, never knowing that exactly what they need was an available option that was merely being withheld from them.
Company Response:
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dept of Ed/Nelnet violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: NELNET IS A STUDENT LOAN COMPANY. THEY ARE REPORTING THE SAME DUPLICATE ACCOUNT ON MY CREDIT REPORT OVER 10 TIMES. I ONLY HAVE ONE ACCOUNT WITH THEM BUT THEY ARE REPORTING THE SAME ACCOUNT OVER 10 TIMES.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Nelnet Loan Services has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A