Date Received: 2018-11-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. Your kind consideration in this matter is greatly appreciated. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Company Response:
State: NJ
Zip: 078XX
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. Your kind consideration in this matter is greatly appreciated. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Company Response:
State: NJ
Zip: 078XX
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: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. Your kind consideration in this matter is greatly appreciated. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Company Response:
State: NJ
Zip: 078XX
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: I am an evacuee of Hurricane Maria hitting XXXX XXXX in XX/XX/XXXX. There was no communication, Internet or mail. My family an I moved from XXXX to XXXX and when I contacted Nelnet ( student loan agency ) they had placed my account into a Natural Disaster Forbearance which was for a 12 month / 1 year period. At this moment I am still under this Forbearance, I am in Good Standing and my next payment is due on XX/XX/XXXX. My dispute is that on my credit report is showing two 90-120 day late for XX/XX/XXXX and XX/XX/XXXX. I need these lates to be removed from my report as it dropped my score and I am having problems to get a mortgage or lease in XXXX. I did not receive any email from them, they allege mail was sent however I moved and made change of address accordingly.
Company Response:
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2018 I received an e-letter from Nelnet regarding my income-driven repayment plan. The letter had relevant typos and incomplete/inaccurate information -- namely, the amount in which my monthly payments would be, the date they would begin at that level, and the date on which any interest would be capitalized into the principal. I called the customer service line on XX/XX/2018 to find out the information above. The agent read through the letter with me and said " I think what they mean is X. '' This explanation did not make sense to me and still didn't give me the information I was asking for. Regarding the date of capitalization, the agent put me on hold to ask someone else and said neither of them knew the date it would happen. I responded by saying those answers weren't helpful and she said " we work for the government, this is from them. '' I said, " the federal government wrote this letter? '' she said, " no, but this is coming from the Department of Education, that's just how they operate. '' It is not helpful whatsoever to 1 ) not be able to obtain the dates necessary to make payments on my loans or 2 ) hear the servicer blame " the government '' for their own mistakes or lack of competency.
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I spoke with Nelnet and advised them that my loan keeps going up even though I was making payments each month on time. They told me that I would need to go into a higher repayment plan ( standard repayment instead of graduated repayment ) in order to have my payments go towards my principle. I am making payments now and am having the same issue. My payment amount is {$280.00} per month and I am paying {$300.00} and my payments are still not being applied to principal. I do not see how this is ethical. All of my other loans that I pay, I pay the same way, however, I am actually lowering my balance.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: According to XXXX XXXX. Goodbye letter attached to complaint XXXX, XXXX was servicing the loan and reporting to credit bureaus on behalf of XXXX from XX/XX/XXXX - XX/XX/XXXX. XXXX also mentions I would receive a new account number from XXXX XXXX in the Welcome letter. For 2 years, I have not been able to pay the student loan. XXXX has not had my account as XXXX claims. This loan has consistently reported unpaid every month without my ability to pay XXXX or XXXX. XXXX, PLEASE PROVIDE THE WELCOME LETTER AND NEW ACCOUNT NUMBER FROM XXXX THAT XXXX SAID YOU WOULD SEND. ( See Goodbye letter from XXXX attached ) THIS WILL HELP ME TO SEE HOW THE CREDIT BUREAUS RECEIVED DEROGATORY INFORMATION MONTHLY FROM XXXX UNTIL NOW. XXXX, provide a statement or account history of my account that you serviced from XXXX.
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Havent deleted the late payment. Also havent showed me any proof that I had a loan from XXXX college. Still waiting on results.
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loan was being serviced by XXXX-Education for years and I was making automatic monthly payments on three loans. Last year, XXXX became XXXX and my monthly payments continued. At some point in the XXXX or XXXX of 2018, account information about only two of my 3 loans was available on the website. It was unclear to me if I had paid off the third loan, as I did not receive any such notice. I sent in an email requesting information, and I never received a response. Today I attempted to login to the website, and it indicated that my loans were no longer being serviced by XXXX and that I should contact the new servicer. I have not received any information about a new servicer. I tried to call XXXX, and the message says they closed on XX/XX/2018 and to contact the new servicer. Again, I have no idea who the new servicer is or how to find out. I am concerned that I may be missing payments and that my credit will be affected.
Company Response:
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I received a notice on my credit report I was delinquent on a student loan. I had not received any written notices from the loan company until I received a delinquent notice on my credit report. I immediately contacted XXXX the day I received the credit bureau notice in XXXX because it was the first time I found out my loan was due or past due. It was a private student loan from XXXX. I explained to the representative that I was in the data collection phase of my doctoral program. The representative I spoke with on that day told me my notices were being sent to an address where I was not located in a different state since XX/XX/XXXX which is why I was not getting them. The representative that day changed my address to the correct address. I then noticed that once the representative updated my address XXXX went back and corrected the address on ALL old notices so they would not reflect the incorrect address. The representative told me that he would be sending me some paper work in the mail that would take 7-10 business days. After about 14 business days I called them back to see where the paperwork was so I can clear up the issue. That representative informed me the previous representative did not properly request the information so it was never processed. So in mid-XX/XX/XXXX I again requested the information be sent out to and the representative informed he was processing the paper work and it would be emailed to me within a 3-4 days. I waited 7-10 businesses days again for the information on how to be sent to me and nothing was sent. I called XXXX back again because I still did not get any paperwork to take to my school to have my loans to be placed on hold until I finish my current program. The representative informed me once I send the paper work back and it is processed my credit report for the delinquent months will be removed and corrected. I was asked if I wanted the information mailed or emailed. I explained emailed because I would like to get it corrected as soon as possible. So again in XX/XX/XXXX after I still did not receive anything, I called XXXX and explained to a new representative what I had been waiting on and that representative told me my only option was to pay. I explained to him I was recently unemployed and I have been trying to resolve the issue since it was brought to my attention in XXXX. I explained that I was doing my XXXX XXXX. Contrary to what the other representatives had informed me told me only medical residencies and internships would be considered. The representative was fairly rude and not helpful given the situation. I asked the representative why did XXXX drag the situation out instead of assisting me correctly back in XXXX when I first made contact. He said your only option is to pay the balance before XX/XX/XXXX. I asked the representative were there any options for those who were unemployed he said the only option available is to pay because your 10 years of forbearance is up and we expect full payment. The back and forth with the representatives that did not provide any helpful or pertinent assistance has created more of a problem. I have never defaulted on loan and due to XXXX representatives provided false information and misinformation causing the process to drag out to day within the default range as if they want it to default. Now they risk ruining my ability to complete my XXXX with this delinquent credit reporting and inability to provide any assistance.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A