Date Received: 2018-11-11
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Total XXXX XXXX expunged my student loans because I am totally and XXXX XXXX. Then the nelnet office reinstated them even though I get SSI and my doctor signed their paperwork like 25 different times on 25 application for about 15 years.
Company Response:
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2018-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-09
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I am disputing the following student loan accounts according to the section 623 under the FCRA for reporting incorrectly. Account : XXXX ( Group A/B/C/D/E/F ) XXXX XXXX XXXX XXXX XXXX XXXX I do not agree with the student loan debt reporting on my credit report. I have exercised my rights and requested debt validation from Nelnet. Please provide me with the original instrument of indebtness in its original form. I am asking for the original contract with my INK signature. I sent letters via certified mail to the credit bureaus in XXXX & XXXX. Despite my requests, Nelnet has not responded to me and ignored my requests. This is a formal complaint for Nelnet to provide me with the following : 1 ) Exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists. 3 ) Copies of the Application and 2 sided Promissory Note documents. 2 ) Copies of original documents that meet the Uniform Commercial Code ( UCC ) requirements for legally binding promissory note debt instruments. 4 ) Exact copies of all of the original Notice of Loan Guarantee and Disclosure Statements that apply to the loans that I allegedly received.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I think that this school tried to attack me. 1. I did not qualify for the school. The requirement is a XXXX SAT when I only had a XXXX. 2. I failed the placement test miserably and got no questions right. 3. I could not afford first semester and my parents couldnt give me one cent so the school offered to waive some of it so I can start first semester. 4. The school could not place a hold on the tuition because I had no money to purchase a hold on the tuition so the tuition will not increase each year. I think they hurt me by preventing me from city schools or other city assistance. They did not start my first semester in any kind of XXXX level. The school only would give me XXXX XXXX degrees. The school prevented me from increasing my XXXX levels and did not offer options to gain XXXX skills to reach XXXX levels. The school limited my options towards success forcing me to only pursue XXXX using XXXX XXXX.
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2018-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I find it criminal how payments are handled. I graduated in XX/XX/2010and starting paying back the loans upon graduation as required. I have been using the Autopay system and often pay more than owed ( for example, paying {$140.00} instead of {$86.00} monthly ). My original loan was for {$7500.00}. According to my most recent statement, I have paid {$4200.00} towards my principal from the start date of my loan and {$3400.00} in interest since the start date of my loan. After fees ( {$13.00} XXXX for an unknown reason, I have now paid {$7700.00} yet I still currently owe {$4900.00}. Nelnet, along with other loan companies such as XXXX, have made it nearly impossible for me to survive. I find it unacceptable how payments are applied ( primarily to seemingly unending interest ) so that I will be paying on this loan for another 10+ years when I have already been paying faithfully every month for 8 years.
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
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: My student loans were serviced by Nelnet. i recently satisfied the loan balance in full due to constant errors being made on monthly payment amount. i tried disputing the late payments twice in an effort to restore my credit score but to no avail. Nelnet was sending bills to a previous address which i updated as soon i moved. they also an old number on file. I've requested this in writing and over the phone. The payment adjusted by {$73.00} and when that ran straight for 90 days, they then reported it.
Company Response:
State: NY
Zip: 11743
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I spoke to Nelnet on XX/XX/XXXX regarding the number of payments I've made, the total of the payments I've made, and how I still owe over half the balance I started with 6 years later. The loan started out at {$6100.00}. I've made steady payments since XX/XX/XXXX, at 8.25 % interest, yet I still owe {$3400.00}. I see that I was put on some kind of payment plan in XX/XX/XXXX that I have no paperwork on, nor did I agree to. It started a 52 payment term, and I have no idea why. The customer service rep 's response to my questions was " interest is charged daily. '' That interest amounts to about $ XXXX/day. That would equal in the neighborhood of {$1600.00} paid in interest over the past six years. However, their webiste says I have paid {$3300.00} in interest and {$4500.00} on principal. In addition, the Master Promissory Note is not available online in the documents section, nor is any proof that I agreed to a revamp of my payment schedule in XX/XX/XXXX.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
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'm XXXX XXXX I sent them information from my dr XXXX sealed and they refusing. To honor the dr .s decision
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
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'm XXXX XXXX I sent them information from my dr XXXX sealed and they refusing. To honor the dr .s decision
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over XXXX in charged off accounts that should not be appearing on my credit. I have tried for years between the department of education, and Nelnet to get this fixed, to no avail. Please help get this fixed I am desperate!
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Please be advised this is a copy, and paste of one of the emails sent to Nelnet. My name is XXXX XXXX. I officially feel at this point my civil rights are being violated. Since XX/XX/XXXX I have been trying to rectify a issue with the department of education, and the department of education/nelnet. Every time I try to get the issue fixed, and I have made over 30 attempts to do so, I just get blown off. After a divorce, I made efforts to better myself, and the lives of my XXXX children that I have sole custody of. In late XX/XX/XXXX loans that I was told where in deferment where evidently not!! I was not made aware that the loans where defaulted, I was not made aware that a outside servicing company was dealing with them. In XX/XX/XXXX, upon filing my federal income tax, all the money was torn from my hands by the department of education, stating the loans where in default. As if this was not bad enough, they still had remaining balances. I worked with nelnet, whom I was told was the service representatives, and I reinstated the loans. I was then told that since the loans where reinstated, and that there was a discrepancy in the servicing that my credit would be updated. I was not even aware that it was reported to my credit, so that was another blow! After speaking to them, I went online, and I checked all 3 of my reports. I was beyond shocked to find out not only was nelnet reporting defaulted loans, the us department of education was reporting duplication on the loans. This is showing now 6 defaulted student loans on my credit profile. I have disputed this with the credit reporting agencies on numerous occasions, and all yall have done is verify the defaults are accurate. They are not! I have also on numerous occasions done the same with nelnet, to no avail. I am being penalized 6 times on my credit, for 2 loans, that are almost paid in full. Please see attached showing the multitude of accounts, and my position. This is a clear violation of my rights, and it is doing financial damage to my, and my XXXX children. FOLLOW UP COPY, AND PASTE ALL INFORMATION PERTAINING TO THE REPORTING. Please be advised as of XXXX XXXX central standard time today, I will be filing suit suit for civil rights violations. Based on my numerous conversations with Nelnet, and the factors surrounding my report I feel that it is my only option at this time. Nelnet has negated fixing their misrepresentation on my credit profile, obtained my credit illegally, has caused defamation, has violated multiple clauses of the fair credit reporting act, discrimination, harassment, and a multitude of violations/infractions. Below it shows the 35 % decrease on my credit report due directly to Nelnet. Without the infractions present my score, and history would be significantly higher. This is also now causing me a serious financial hardship, that Nelnet is the direct cause. The fair credit reporting act prohibits duplication reporting on same items. It also prohibits 2 separate entities from reporting the same line items. This act is violated on numerous occasions, with Nelnet going as far as verifying to the major credit reporting agencies that the information is true, and accurate. Basically they are verifying misrepresentations, as factual. I ask that this gets corrected today, to spare me the expense of filing a suit. It will not help my financial situation to have waste more money. This is being sent to all major parties, so there is a record, and a paper trail. Upon speaking to XXXX yesterday the person that stated they where in charge of my complaint I was informed that they will not correct, or remove as requested. They will leave the illegal, immoral, fraudulent, discriminatory information in place. I feel that giving this 2 years, and over 60 attempts I can more forward with my moral compass intact. Also please see below the damage to my credit, the primary FCRA violation. The duplicate reporting, is the second major violation. Nelnet over reported on the department of education. There line was a secondary add, for the same debt. XXXX XXXX XXXX
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A