Date Received: 2018-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I would like to file a complaint about my student loans accounts. The credit bureaus make it so hard to check your score if you can't. I was in school until early XXXX and was never given my diploma nor did I receive work. I have not worked since XX/XX/XXXX because of a couple XXXX I've been suffering from since XXXX. I am trying to get my student loan account current and even though it is now in forbearance, I feel the late fees that occurred ever since I finished school with XXXX university in early XXXX, are seriously hurting my credit score and are preventing me from going forward. It was brought to my attention recently that my credit account claims that I am responsible for 241 late payments which is impossible as I believe I was current as of early XXXX.
Company Response:
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2018-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: They keep overcharging me for interest and incorrectly appying payments. Please see XX/XX/XXXX statement and payment history. The interest amount due XX/XX/XXXX on statement is a little bit over {$70.00} however, when I made my payment on XX/XX/XXXX, they applied over {$90.00} to interest. Why? This is not the first time they apply interest more than it should be.
Company Response:
State: PA
Zip: 19115
Submitted Via: Web
Date Sent: 2018-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet keep sending harassing emails about my loan. I had an approval on XX/XX/2018 to start my repayment plan of {$50.00} per month. I paid the bill on XX/XX/2018 since the payment was due on XX/XX/2018. I was early paying. Then I received an email for default since my account was not updated per the repayment agreement. This is the 2nd time that XXXX failed to comply with they payment schedule to update the account but only to keep harassing a person. I need assistance to get this updated and keep the harassing stop coming. I did what I promise I was going to do. XXXX Thu XX/XX/2018, XXXX XXXX XXXX Please verify your regular monthly payment amount. Log in XXXX Account : Account : XXXX, XXXX Your Request Has Been Approved. Dear XXXX, The request you submitted to have your payment schedule updated ( re-disclosed ) based on your outstanding principal balance has been approved and applied to your account. This means your regular monthly payment amount and payment schedule may have been adjusted. If a payment was due at the time your re-disclosure request was received, that payment will still be due. To view your updated loan details, log in to your Nelnet.com account or refer to your next monthly billing statement. You can also call us at the number below, and we will mail a printed copy of your payment schedule to you. Just know that we're here for you when you need us. If you have any questions, please visit Nelnet.com or call us at XXXX. Sincerely, Your Nelnet Customer Service Team Nelnet Student Loan Servicing XXXX Thu XX/XX/2018, XXXX XXXX Bring your account up to date today. View Online Log in XXXX Accounts : XXXX Don't Let Your Credit Score Suffer. Dear XXXX, We have made multiple attempts to assist you in resolving the delinquency of your student loans. However, your loans are still past due and close to defaulting, and you have received a final demand letter. The account listed above containing your student loans is seriously delinquent and in collections, so we are required to demand payment in full for your student loans. At this time, we demand the current balance, accrued interest, and outstanding fees due in the amount of {$270.00}. If you can not afford to pay your full balance now, there still could be options to bring your account up to date without requiring you to pay the entire balance. If you contact us right away, you may be able to avoid defaulting on your student loans. The consequences of default are severe, including : The holder of your defaulted loan may intercept your state or federal income tax returns and garnish your wages You will not be eligible for future student financial aid Future aid provided by Social Security or disability insurance could be intercepted or reduced Collection fees will be added to your account Each loan will be reported as a default to the national credit agencies, which will have a negative impact on your future credit applications Legal actions may be pursued, and your account may be referred to a private collection agency or the federal government for collection Nelnet advisors are available and can help you determine which options are available to help you avoid default. To speak to a Nelnet advisor, please call us at XXXX. Current Balance : {$270.00} Your current balance reflects your outstanding principal balance plus any accrued interest and outstanding fees for all of your student loans. This amount is current as of XX/XX/2018, and does not reflect any subsequent changes to your account. Log in to your Nelnet.com to view your full account details. Don't have an online account yet? Sign up for one.
Company Response:
State: LA
Zip: 70460
Submitted Via: Web
Date Sent: 2018-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have attempted to use IBR to payback loans through UHEAA and I have been unable to access my XXXX loan servicing. Each time I attempt to contact them when the loan is due they have a reason for why I can not access the system. I have worked publicly, very publicly, for the XXXX XXXX since XX/XX/2011. I have been unable to actually receive just compensation for my time and ideas. I have served this country in various offices across the land. I do not think it is fair that because I have had some XXXX XXXX breakdowns due to the sheer magnitude of this countries problems that my law school debt has increased almost XXXX. It was my assumption under FCRA guidelines that loans are to be forgiven for inaccuracies and health conditions. I do not owe UHEA or XXXX anything because I am XXXX XXXX. An actual XXXX of this country and this land. I should have never had to pay a dime. It is not my fault that XXXX XXXX XXXX and all those connected to him are trash individuals that refused to properly obey the law or respect women. I should not be associated with them and their past violent acts against women. It is categorically unfair to be named a XXXX. and still be responsible for the sins of forefathers you have never really met, nor wanted to meet.
Company Response:
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have written letters and made phone calls to Nelnet LNS in efforts to dispute late payment marks that have been placed on my credit report ( s ) even though there is currently a {$0.00} balance.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Getting a loan
Subissue: Denied loan
Consumer Complaint: Applied online In late XXXX ( date? ) Denied loan due to an unknown credit issue on credit report ( Co-borrower ) Resolved credit issue XX/XX/XXXX Gave XXXX tax returns since XXXX was on extension Appealed for XXXX student loan on XX/XX/XXXX I was contacted to give them XXXX W-2 's on XX/XX/XXXX Sent them XXXX W-2 's on XX/XX/XXXX. I was contacted on XX/XX/XXXX (? ) saying W-2 was not in the right format ( as issued by IRS ). To send them original W-2. Sent them original XXXX W-2 on XX/XX/XXXX. I was contacted by email on XX/XX/XXXX, asking for new information : additional pay stub for XXXX ( I get paid monthly, so I had to wait until end of XXXX. Not sure why this was necessary ), record of tax extension, and additional letter from account holder for credit issue saying it was resolved ( sent hardcopy in original application/appeal? ). I did not see the email ( my fault, but I get a lot of spam ). They say I received a voicemail on my phone on the XXXX, which I did not receive ( no record on phone of call or voicemail ). They contacted my Daughter ( borrower ) to let me know the issue was open. I sent information on XX/XX/XXXX. I called on XX/XX/XXXX to see status. They say they did not receive email. I received return email from them on the XXXX, acknowledging ( automated ) receipt. They told me they would likely deny me the loan due to their policy of closing requests after 60 days. I have called them a few times in the process. They often don't know what I sent them and often asked me for items they already had. More of a sign of problems there, just annoying, but likely a sign of unnecessary delay.
Company Response:
State: CT
Zip: 06437
Submitted Via: Web
Date Sent: 2018-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), all credit reporting agencies are required by federal law to verify the physical verification of the original signed consumer contract for any and all accounts posted on my credit report. I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) via mail on XX/XX/XXXX. No Verifiable Proof was provided. Nelnet sent a letter saying they can not change the account, and it is now XX/XX/XXXX. Their failure to positively verify these accounts has hurt my credit tremendously.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I had student loans with XXXX. The TOTAL payment for the loans under my income based repayment plan were {$220.00}. Nelnet took over the loan in XX/XX/XXXX. They now claim I owe them {$270.00} each month. I did not re-apply for the IBR program and am not due to do so until XX/XX/XXXX. How can they just change my payment amount? Additionally, I have placed several phone calls to them where I have gotten various answers to my questions. At one point the customer service rep said that they did not increase my payment amount and that they couldn't. She told me to continue to pay what I was paying to XXXX. I have since recieved a letter from them. THey removed my 2.5 % interest rate reduction for a late payment. WHAT late payment? I've paid EVERY payment on time. When I attempted to resolve this issue they said that they would not return my interest rate reduction, despite increasing my payment amount and despite every payment being made ON TIME, month. I have spent over an hour on the phone with them over the past several months. I was given false information, which I relied upon to my detriment, then they refused to rectify the problem.
Company Response:
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am reaching out reguarding the response I recieved reguarding a previous complaint. I will attach previous complaint and response for reference. To whom it may concern, I appreciate your time in assisting me with this matter. However most of the information you have provided me with continues to be inaccurate. You stated, Our records reflect XXXX XXXX was not your original Direct Loan servicer. Your six Direct Loans were serviced by Nelnet upon being disbursed by XXXX XXXX. This is incorrect, I will attach my loan account summary from XXXX XXXX for review, showing they were the original creditor. Secondly, you said that you were mailing me letters to an address in Florida? I have never resided in Florida, that address is inaccurate. Your response is appreciated, and much more respectful then most I have received from NELNET however you continue to validate my ( now growing ) concerns at the inaccuracies NELNET is reporting. Please remove the inaccurate late payments from all three credit bureaus Previous complaint : Within the past few years, I have had multiple issues with Nelnet. I originally went to XXXX XXXX in XXXX, and my original Student loan lender was XXXX XXXX. I had no problems in the beginning, while I was waiting to find a job my loans were in deferment. My loans then were transferred to Dept of Ed/Nelnet, I received a notice that my loan was transfered information however was not told this would effect my deferment. When I received my first bill in XX/XX/XXXX I filled out the paperwork for an extension on my deferment as I had not yet found a job as a XXXX. I never received a confirmation that my deferment was approved or denied, however I did not get another bill and stopped worrying. It was not until XX/XX/XXXX that I received a notice that my account was severly delinquent and I called immediately to resolve. I place another deferment on my account when offered. That extension took me until XX/XX/XXXX when I received a notice along with another option to defer. My parents had instilled in me the importance of good credit and I knew I was still not financially able to cover my payments at that time and did not want to risk negative remarks, so filled for another deferment by mail, sure that the same error could not happen twice. I received nothing from Nelnet until XX/XX/XXXX when I became worried that no news was not good news. I reached out to them and was told that my account again was in delinquent status, and was even told by the representative that she saw my deferment request from XX/XX/XXXX and stated she didn't " know what happened '' and gave her apologies. The representative said they had sent me notices by email, and when I asked what email, she had one that was not/had never been mine After My call in XXXX I asked to speak with a supervisor, and that had been the last of my troubles going forward. I reached out multiple times to Nelnet, Dept of Ed and XXXX with either no response or an explanation as to why, even if inaccurate, they do not remove late payment history. I was told by one representative that people try to " scam the system '' and that is why they do not make changes. I tried to better my life going to XXXX XXXX and now as I get ready to look for a home, those inaccurate late payments are making it near impossible. I have reached out multiple times, and although told they apologize, and it was " simple human error '' and to " deal with the consequences '' I have decided to defer my complaints to CFPB in hopes of getting help removing these inaccurate late payments. I will attach some documents/responses I have received that I hope will help to assist with this matter and I look forward to hearing back from you. Response Dear XXXX, Thank you for your inquiry regarding your federal student loan account serviced by Nelnet. Your concern, as we understand it, is you have had issues with us in the past few years. You state that between XX/XX/XXXX and XX/XX/XXXX you applied for multiple deferments but received no bills or response to your requests. When you contacted us to ask about your requests, we explained notification had been sent by email to an email address that had never been yours. You are asking that the late payments we reported to the consumer reporting agencies be removed from your credit report. Our records reflect XXXX XXXX was not your original Direct Loan servicer. Your six Direct Loans were serviced by Nelnet upon being disbursed by XXXX XXXX. The email address we had on file at the time your loans were disbursed was XXXX, and is listed on your Direct Loans Master Promissory Note ( MPN ). The email address changed in XX/XX/XXXX, at which time we were no longer your loan servicer. Further, you did not select electronic correspondence as your preferred method of communication, so, in general, we sent you communication through postal mail. We do send email when your account becomes past due, and we also attempt to make contact by phone. In accordance with the terms of your MPN, you are required to update your loan servicer with any changes to your contact information. For your records, we will provide you with an overview of the events that occurred and led to the delinquencies we reported to the consumer reporting agencies ( CRAs ). XXXX XXXX reported that you graduated on XX/XX/XXXX, and you then entered into your six-month grace period. Toward the end of the grace period, on XX/XX/XXXX, we created your repayment schedule. Upon review, the address we had on file at XXXX XXXX XXXX also obtained from your MPN, was invalid. As a result, we updated your address to the last address provided to the U.S. Postal Service XXXX XXXX XXXX XXXX in XXXX XXXX, Florida. This address remained on file until XX/XX/XXXX. In alignment with your payment schedule, payments became due on XX/XX/XXXX. As a result, we began sending your monthly billing statements to your XXXX XXXX address. When your account became past due for payment, we further attempted to contact you by email, and phone, including text messaging. You did not contact us or make payments until XX/XX/XXXX, at which time you requested forbearance through text message. At no time did we receive a deferment request from you. Payments became due again in XX/XX/XXXX after your forbearance ended. Due diligence attempts to contact you regarding your account status were performed again throughout XXXX and into XXXX until your loans defaulted on XX/XX/XXXX due to non-payment. Please note that as your loan servicer, we were required to report the status and balance of your loans to the CRAs on a monthly basis. Based on the status of your loans at the time of reporting in XXXX, XXXX, and XXXX, the delinquencies we reported to the CRAs are valid. In accordance with the terms of your promissory note, the data furnishing requirements of the Fair Credit Reporting Act, and the Consumer Data Industry Associations reporting guidelines, we must report data that is accurate and truly represents the status of the account. Because we found the reports made to the CRAs to be an accurate reflection of your account at the time, the reporting will not be removed or adjusted. We hope you find this information helpful. If you have any other questions, please contact your current loan servicer, XXXX. We consider your credit dispute closed. Sincerely, XXXX XXXX Nelnet
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: According to response from XXXX in complaint XXXX ; XXXX has reported to the credit bureaus on behalf of XXXX. According to the goodbye letter from XXXX ( attached ) XXXX was supposed to send a 'Welcome Notification ' that would include my new account number, transition information, etc. This information was not received. XXXX did not have any account information for me and was unable to pull up an account for me when requested during multiple calls prior to XXXX XXXX taking the loan back. I would like XXXX to provide a copy of the welcome letter with new account information to prove I was notified and to show they were servicing my loan from XX/XX/XXXX - XX/XX/XXXX as noted by XXXX in the attached document.
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A