Date Received: 2018-08-10
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: On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX twice on this XX/XX/2018 and they say they have received no information from Nelnet on my student loan payment. I called XXXX but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX and XXXX again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX and they show the payments from Nelnet for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's choices, call XXXX and XXXX to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-10
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: On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX twice on this XX/XX/2018 and they say they have received no information from Nelnet on my student loan payment. I called XXXX but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX and XXXX again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX and they show the payments from XXXX for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's choices, call XXXX and XXXX to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Several months ago I called in to customer service and inquired as to how to aquire a payoff letter for the purposes of loan consolidation. I was directed to the website and directed by XXXX customer service how to access this information. The payoff letter that was generated is attached to this correspondence. After submitting this attachment to XXXX, my consolidation bank, a check was then sent with pay off instructions with my consent to close the account Iafter completion of the payoff transaction. One week ago, I was checking my credit report and realized that XXXX put a 60 day past due notice on my previously closed account. Completely confused, I called XXXX customer service to get answers. Upon gathering more information the customer service agent, I realized that XXXX previous agent MISADVISED me and did not give me the correct payout information. I did not receive any corresposnce from XXXX as to say that my loan was in default and that the process of loan consolidation was incomplete. I immediately paid off the past due amount. I am asking XXXX to please remove the any delinquencies associated with this account from the three major credit bureaus and bring this account back in good standing. I now have to redo my consolidation loan because of this error so Im also asking XXXX to please email me the corrected payout letter for this purpose.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2018-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Several months ago I called in to customer service and inquired as to how to aquire a payoff letter for the purposes of loan consolidation. I was directed to the website and directed by XXXX customer service how to access this information. The payoff letter that was generated is attached to this correspondence. After submitting this attachment to XXXX, my consolidation bank, a check was then sent with pay off instructions with my consent to close the account Iafter completion of the payoff transaction. One week ago, I was checking my credit report and realized that XXXX put a 60 day past due notice on my previously closed account. Completely confused, I called XXXX customer service to get answers. Upon gathering more information the customer service agent, I realized that XXXX previous agent MISADVISED me and did not give me the correct payout information. I did not receive any corresposnce from XXXX as to say that my loan was in default and that the process of loan consolidation was incomplete. I immediately paid off the past due amount. I am asking XXXX to please remove the any delinquencies associated with this account from the three major credit bureaus and bring this account back in good standing. I now have to redo my consolidation loan because of this error so Im also asking XXXX to please email me the corrected payout letter for this purpose.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2018-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is multiple loans showing up on my account with many different balances as well showing that there is a lot of different creditors which is also duplicate charges that should not be showing on my account also they did take taxes which they stated that the payment was submitted to the department of education
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is multiple loans showing up on my account with many different balances as well showing that there is a lot of different creditors which is also duplicate charges that should not be showing on my account also they did take taxes which they stated that the payment was submitted to the department of education
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2018, I called Nelnet because I wanted to apply so much money to Group A and Group be on my student loan. He told me to write on the checks on and to write a note as to what group I wanted checks applied to. Each check and note for Group A and Group B were sent out separately so there would be no confusion. On XX/XX/2018 on Group B it says {$50.00} was applied to Group B but under account Summary it says they received {$75.00}. What I had to do was look at the principle balance from the prior day that I started downloading and they took off {$75.00} from Group B under loan details. I call Nelnet and try to figure out what their doing to my account. The advisor says I need to look up payment history. I told her I shouldn't have to take out my calculator and look under payment history to figure out what Nelnet has done to my student loan. They offer to put in a request to change it. I tell her I don't want you people touching my account and when I go under loan details everything should be correct. I ask to speak with a manager she says her name is ( sounds like ) XXXX. She tells me the Department of Education processes those payments and I ask for the phone number. I call the Department of Education and the lady was appalled that Nelnet would say they processed payments. The Department of Education says we have a contract with them and the Department of Education says Nelnet is processing the payments by mail. Department of Education gives me a Website that has a phone number to call. By this time I am raging mad because this supposed manager/supervisor either doesn't know what she's talking about or she flat out lied to me. I call back and get a man and said I spoke with the manager XXXX. He says we don't have anybody here by that name, then it was maybe she's off work, or she's at another call center. He proceeds to tell me that XXXX XXXX XXXX processes the payments that are sent by mail and XXXX XXXX XXXX applied the whole {$75.00} to my Group B. I tell him the loan details are wrong. I ask if there's a phone number I can reach XXXX XXXX XXXX. He tells me no. He told me that when I sent those checks though separate it is considered a special request and it could take up to 30 days to have it fixed because I also told him I don't want you touching my account. Every " Advisor '' tells you something different about the same issue. I started an application for the XXXX to see if I could get forgiveness on my loan but you have to show your next review is in 5-7 years for XXXX. I didn't have that information and there was no way to exit the application. I did not click on continue at that point and just got rid of the application. The application was never completed by me. I try to go into my Nelnet account today XX/XX/2018, and I'm locked out. I call Nelnet again to find out why. I get put through to XXXX and she tells me my account is locked because of the XXXX and that I have to send in a letter to Nelnet saying I don't want the XXXX. I tell her I'm in the Northern California fires ( XXXX XXXX ) and I can't send them a letter. She didn't care and showed no compassion and said I had to send a letter. I called back to find out how I got locked out of my account for XXXX and spoke with XXXX. She told me I completed the application on line. I explained to her I never finished the application and she's saying I did. If I had actually finished the application, I would have downloaded it onto my USB Drive. She tells me she can put in a request to have the XXXX removed. I told her what XXXX said and XXXX told me XXXX is incorrect especially with the situation I'm in regarding the fires. She said it will take about a week for it to be taken off my account. I had one advisor who was so aggressive in behavior and I told her that and to transfer me to somebody else. I waited for quite awhile and hung up and called back again. One advisor when I called sounded like she just woke up, speaking slowly and she was groggy. I hung up on her and called back. As I told one Advisor I am downloading all information off your site on a daily basis. Because I'm on a no payment plan, I was still trying to make payments to improve my credit score. I went to all the sites about complaints against Nelnet after all the issues. Now I understand where these people are coming from and the frustration of having to deal with Nelnet. Now I have to watch my account everyday and check my credit reports once a week.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In 2017, I submitted a request to have my loan payment reduced. My payment before processing my income driven payment was {$300.00}. Once they completed my request they increased my payment to {$360.00}. The application clearly state in so many terms that if the change does not benefit me they would not change my payment. This is just an example of my experience dealing with Nelnet, they do not have the customer 's best interest at heart. When I tried calling back to discuss this with various people, I was told so many different answers, I do not trust them. I called so many times different dates last year. When I did speak with a supervisor, they could not justify why my payment was increased. I just found out how to file a complaint the reason for the delay. Nelnet need to be held accountable for their unfair business practices.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2018-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have. I have asked several times that the late payment entries on my credit report be verified by the companys credit reporting department and that the late payments be verified and corrected in accordance with 15 U.S. Code 1666 - Correction of billing errors to no avail.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I took out loans with this company XXXX I was a student in college and I took a break in XXXX. I didn't know that student loans have to be repaid when not in school. I NEVER RECIEVED ANY contact from this company about payments being due via mail, email or phone call. The only way I found out was AFTER I checked my credit score and saw that it dropped a huge amount. I quickly made contact with the company to fix the situation. They claimed they sent me emails in XXXX. I never received any. This account shows it is in great standing from XXXX EXCEPT TWO MONTHS ( XXXX & XX/XX/XXXX ) This company refuses to take the derogatory remark off my credit score. Which I believe is extremely unfair! I was not contacted. I was not called. No one reached out to me, and this was my first student loan. I was XXXX years old. And now I can't even get a house because this company gave me 11 missed payments! ELEVEN! Terrible service. Will never deal with them again.
Company Response:
State: MO
Zip: 637XX
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A