Date Received: 2018-12-21
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I lost my job and got another job.I am trying to get back on my feet., the company start garnishing my wages without me knowing. I do not made enough money and I have to take care of my child and live.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX is reporting that I have two outstanding loan balances through Department of Education-Nelnet as of XX/XX/XXXX. The accounts were closed as of XX/XX/XXXX. I have submitted two disputes ( once in XX/XX/XXXX and again in XX/XX/XXXX ) with information documenting both showing {$0.00} balance and both disputes have been denied. I submitted my Loan Summary/Mortgage Verification letter ( the only letter Nelnet was able to give me ) and my StudentDataDocument from the XXXX XXXX XXXX XXXX XXXX - both showing I have a XXXX balance for all my student loan accounts. XXXX has denied both my disputes saying the information being reported is correct. They have documentation showing Nelnet " reported '' balances on my account on XX/XX/XXXX. Upon contacting the creditor, Nelnet, they are showing they have not reported anything to XXXX since XX/XX/XXXX. When I call XXXX they say that Nelnet is still reporting ( on XX/XX/XXXX ) that they balances are correct. I have submitted all the documentation that I have showing the accounts are paid off. I don't know if XXXX is wrong or Nelnet is wrong but the information being reported on my XXXX credit report is incorrect. The balances have been paid off ( on XX/XX/XXXX ) and should be removed from my credit report. I called XXXX and Nelnet multiple times to get this resolved and they were unable to handle my request. I think it is ridiculous that CRA 's and creditors are able to report incorrect information about me and yet are unable to give me a straight answer via a simple phone call. These are billion dollar organizations and I am having to solve these issues from my kitchen table. These organizations should be held to a higher standard when it comes to servicing the people they are profiting from.
Company Response:
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was encouraged to sign up for IDR, but was never advised that my interest would be added to my principle if I was ever denied re-certification, or that I could be denied despite my income not significantly changing. I was recently denied and attempted to call Nelnet customer service on XX/XX/XXXX at XXXX XXXX PST. I asked why I was denied and was told that Nelnet simply decided it was best. I asked to be rectified while on the call and was denied. I requested to find when and how much interest would be capitalized and was told they did not know. I do not believe that I should have over {$6000.00} added to my principle as my income did not significantly change and was not advised that this was even a possibility when I was guided into this plan.
Company Response:
State: WA
Zip: 99208
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am sending Nelnet Loan Services this notice to inform you that under my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting VALIDATION of the account. Please note : I am not requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence that I have a legal obligation to pay you. Please provide the following : 1. Detail of what the money you say I owe is for 2. How the amount you claim owed was calculated 3. Verify that the legal statute of limitations is still in effect 4. Copy of your agreement with the original creditor 5. Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) 6. Provided a copy of any judgment you have received, if applicable 7. Identify the original creditor 8. Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent Please ACT IMMEDIATELY as I am sure you are aware that reporting invalidated information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue your collection issues. If any negative information is found on my credit file without this account being first validated, I will be forced to contact both the Federal Trade Commission and state agencies and PURSUE LITIGATION for violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. I WILL ALSO FILE SUIT FOR DEFAMATION OF CHARACTER. Once you have provided me with the above referenced information, I will need at least 30 days to investigate the information you provide. During this time, you MUST CEASE AND DESIST from all collection activities. If you do not respond within 30 days, the above referenced account must be deleted from my credit files. Please send me evidence of this deletion. Further, please accept this letter as constructive notice that all future correspondence be handled in writing. All telephone communication must cease immediately, including automated phone calls and email.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Neltnet Student loans are dismissed because Im on XXXX XXXX XXXX since XX/XX/2016. Bankruptcy from the court in XXXX XXXX, Texas that was dismissed in XX/XX/2012 still showing under public record. Its also making it difficult to obtain credit.
Company Response:
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had 7 student loan account with Nelnet. They were transferred over to collection ( they have since been paid in full ). However on the credit reports for XXXX and XXXX, the status shows as currently 120 days late even though the account was transferred and no balance is owed. I have disputed the incorrect status with XXXX and XXXX only to have Nelnet confirm its accurate. I called Nelnet directly and asked the to correct the status and the stated that because it used to be over 120 days late they are not obligated to correct the current status. There is no balance owed to Nelnet. The account was transferred. The CURRENT status should state account was transferred. I am NOT currently 120 days late.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX XXXX was the company that I paid {$490.00} to, to help me forgive my student loans to a XXXX balance. They consolidated my loans and promised to submit my income every year to Nelnet but I have not been able to reach them at all. There number is disconnected and their email is no longer able to receive email. Phone XXXX was the number I have and the other name for the company is XXXX XXXX XXXX XXXX. Please help I want my XXXX back! They collected 3 payments of XXXX on XX/XX/18, XX/XX/18 and XX/XX/18. Account number I believe is XXXX
Company Response:
State: AZ
Zip: 85374
Submitted Via: Web
Date Sent: 2018-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-16
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I asked XXXX to remove.this old 12yr .account They say they did .but the red late marks still exist. The problem.is that the student loan put me.in forbarence and mamy times. Once.a.whole.year So at that time I was told I didnt have to pay But the loan company continued to hold me to the payments and add all these unnecessary fees When I first got the loan I was a child XXXX years old poor, living in the projects with my mom The school persuaded me to get this loan. When I didnt even know what a loan was. It was for {$7000.00}. Now over 30yrs later its about {$14000.00}. I want all thoes fees dropped and all the money I ever paid to be applied to my original {$7000.00}. The Loan company which is no longer in existance still has derogatory late fee marks on my credit. If the governor dont go back to the original amount from XX/XX/1977, I am going to stop paying all together and then they will get none of the money back I dont care if it goes to 100,000. I OWN NOTHING for them to take anyway. I am getting ready to retire and enough is enough. I have rights too And by.law the loan company dont have a right to put stuff on my credit report without my permission. As of now I am suppose to be in forbarenced but if I stop paying they report it on my credit report as late or not paid as they have done in the past. Yhe old companies lied and swindled me and other students. Much of what was paid by me and other students was never even applied or recorded and still marked as late which is why they went out of business I want 1The residue of any red or negative remarks remove from my credit from past years and 2. My.loan returned to the original amount and all that Ive paid applied to that amount. 3. Any of my rights the Loan company has not abided by to be honored. Ive been working in the XXXX XXXX for over 10 yrs. XXXX XXXX and XXXX XXXX. I applied for Forgiveness and no response returned. Please help thanks. If you need more info please email me at XXXX or XXXX and in the subject put. For Ms XXXX consumer help. Thanks for listening. Please publish without my email address .thank you.
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-16
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have had THE most worst problem trying have the loan people help figure out how to work out something REASONABLE for my situation and in the meantime the interest rates have way, way more than quadrupled my original student loan and also in the meantime i had medical issues that prevented me from being able to work for quite some time and had to move as well. These issues were overwhelming enough without the student loan matter. I just felt I was going around in circles with the {$5.00} over a 6 or 9 month period of time where the interest, as you already know, was still compounding ... ... Please, please is there anything or anyone that can help me???? I have been so afraid to even open my mail when I see who it is from and I do know that does not help matters one single bit. I am just so miserably, miserably scared and overwhelmed with this!!! This has been weighing so so heavily on my shoulders since 2010. AND on top of it, i didn't know that there were not only one BUT two lenders involved in this : NELNET and XXXX XXXX. I am not stupid but in my opinion, i feel the way the whole student loan process is worked is just a bit shady.
Company Response:
State: WI
Zip: 53140
Submitted Via: Web
Date Sent: 2018-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A