Date Received: 2018-08-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have 4 late payments on my credit reports due to incorrect reporting. The late pays are for XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. 120 plus days late. I have been trying in vain to have these updated and removed to no avail. On XX/XX/XXXX I had a live chat with a NELNET representative who looked into my complaint. He agreed that there is an error ... he stated there was an error. The late pays should not be on my record. I was told previously that they would update from their end ( Nelnet ) but nothing has been done. I have filed claims with all three credit bureaus but to this day nothing has been removed. I have a copy of the transcript. These lates have prevented me from getting a car and finding a different apartment. they are causing a lot of problems for me. Please help!
Company Response:
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To Whom It May Concern, I am requesting in good faith that The Consumer Financial Protection Bureau will assist me in adjusting or removing the following incorrect reporting on my credit report. A XX/XX/XXXX 90+ days delinquency of my account that Nelnet holds. I requested Nelnet directly and they refuse to remove the error stating that it can only be removed if, 1. I was serving in the military, 2. I am the victim of a natural disaster, or 3. I was enrolled in school during that time. I do not fit any of the ONLY three options given but that does not mean that an error was indeed made. In XX/XX/XXXX I was contacted by a Nelnet representative who told me that my account was in need of attention since they did not receive my XX/XX/XXXX request for an Income Driven Repayment Option. The representative offered to assist me with the application for the Income Driven Re-Payment Plan over the phone. She pre-filled it with me over the phone and e-mailed it to me. ( See Attachment # 1 ) I then printed the application, signed the application, and submitted the documents via e-mail. I previously ( XX/XX/XXXX ) had my schools student finance office fax it to Nelnet due to previous issues of Nelnet 's claims of not receiving my applications via mail ( XX/XX/XXXX & XX/XX/XXXX ). I do not have the written evidence of requesting the Income Driven-Repayment Plan or a Forbearance request for those prior dates and therefore I am not disputing those reports. Nelnet did inform me in a XX/XX/XXXX conversation as well as in writing, ( See Attachment # 2 ) that the Department of Education did a yearly update ( XX/XX/XXXX ) 5 days after our conversation regarding the application for the Income Driven Repayment Plan and updated my contact information incorrectly. Even though Nelnet had my updated phone number they stated that did not matter and the Department of Education supersedes any information their records have. I have always tried to keep an open relationship with transparent communication with Nelnet and keep them informed of my situation ( s ) ( lay-off, medical treatments, XXXX, etc. ). I am guilty of assuming that my application was received, and all was in good standing but since I did not hear otherwise I thought regrettably that it was a safe assumption. On XX/XX/XXXX I was visiting my mother when she informed me that she had received a packet but did not understand the contents. She gave me the packet ( See Attachment # 3 ) and it was a letter written eleven times asking for a valid address or phone number for me. I immediately went home and e-mailed Nelnet at XXXX ( See attachment # 4 ) requesting help with the matter. The e-mail has a subject line : Income-Driven Repayment Plan and is specifically requesting help with my phone number and email information. On XX/XX/XXXX I received an e-mail ( See attachment # 5 ) which I could not open ( See attachment # 6 ). On XX/XX/XXXX, I decided I needed further assistance and called XXXX XXXX XXXX and I was told they would find out what was going on. Of course this was during the holiday season so an immediate response was not expected and I was not too worried since I had not heard anything from Nelnet. I left for the holidays out of town to visit family and called Nelnet on XX/XX/XXXX twice to ensure things were taken care of ( See attachment # 7 & # 8 ). I was told that, and Administrative Forbearance was placed on my account ( See attachment # 9 ) and was dated back to XX/XX/XXXX to XX/XX/XXXX and therefore my account was in good standing through that time frame and I had nothing to worry about. Therefore, the reporting on XX/XX/XXXX is an error and I am requesting that it be removed/adjusted. I have taken this matter up with Nelnet several times and recently emailed the XXXX XXXX Vice President XXXX XXXX on XX/XX/XXXX with no response. As well as, Ombudsman, All 3 Credit Bureaus & The Federal Trade Commision, which I have not heard back from any yet ( 30 Days ). Nelnet is refusing to admit error and assist me. I do not understand a process that if you have a dispute with Nelnet, you submit the dispute to Nelnet and Nelnet reviews and determines the conclusion? Their response is ( See attachment # 10 ) Your forbearance request was received after the delinquency ( ies ) occurred. But that most definitely is not true since my initial request was in XX/XX/XXXX, Second request was in XX/XX/XXXX and the third request was received on XX/XX/XXXX in the form of an e-mail. I am depending on the fair unbiased eyes and opinions of The Consumer Financial Protection Bureau, Ombudsman and Federal Trade Commision to assist me and others like me in this matter. This issue is not a regular occurrence with my creditors and it is not my intention to bash or discredit Nelnet however, errors do occur and should be looked at on a person to person basis not just by a policy. I thank you for your time and appreciate your attention to this matter. Sincerely, XXXX XXXX ( XXXX )
Company Response:
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2018-08-07
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: Received bad information about your loan
Consumer Complaint: In XXXX I graduated form the school, lost my job and didn't start word until XXXX. Paid min. until XXXX on a {$2400.00} bill. In XXXX started paying {$100.00} a month, on XXXX I wrote the company and told them I thought I had paid them in full, wrote a check for {$100.00} paid in full. Never heard from them for a year. XXXX they started billing me again, saying I owe {$930.00}. I contacted them three times, first time I was told I borrowed money three times ( not true ) ask them to send me records ( didn't get them ), second time was told I owed {$2400.00} then {$5000.00} then {$11000.00}. The third time the person didn't know what to say, so I asked her to send me my accounts. She send me stuff that told me nothing, I have the papers if you want them.
Company Response:
State: VA
Zip: 22980
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I reached out to my creditor regarding my account. I was told that if I brought my account current before the XX/XX/XXXX then I would not be reported to the credit bureau. Payment was made before the 90 day deadline. Hence, I was reported with 2 separate items on my credit report.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: This concerns a student loan which was originally issued in XX/XX/XXXX-XX/XX/XXXX to my daughter XXXX XXXX. I, XXXX XXXX, XXXX 's father, was a cosigner. the original loan was issued in the amount of {$7800.00} by XXXX. I have made monthly payments of {$71.00} since approximately XX/XX/XXXX. I trued to obtain information concerning the status of this loan from XXXX circa XX/XX/XXXX-XX/XX/XXXX, but was refused access to the information. I continued to make payments. The loan servicing was taken over by XXXX in XX/XX/XXXX ( I believe ). I have been informed that the current balance is XXXX. I have requested an accounting of the loan by phone ( on or about XX/XX/XXXX ) and XXXX has to this point not produced any documentation. I made a second request in writing on XXXX 's website. a request which XXXX acknowledged by e-mail on XX/XX/XXXX, and have still received no documentation. At this point, I fear a serious error has occurred and am uncertain how to proceed. I am in position of the Notice of Loan Guarantee and Disclosure Statement.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I had a private loan through XXXX XXXX/XXXX XXXX that I was paying off monthly ( payment of $ XXXX- {$130.00} per month ) in XX/XX/XXXX-XX/XX/XXXX. My loan was transferred to XXXX several months ago. I believe an error was made during the transfer of the loan. XXXX is telling me my repayment plan is interest only and that my monthly payments are approximately {$210.00} per month. I never received notice of any change to the terms of my loan. Ive made several payments to XXXX over the past three months simply to avoid further damage to my credit. Ive emailed XXXX 4 times, asking for an explanation of these monthly payments and requesting the original loan documents. They have told me I will receive the original loan documents within 7 to 10 days. They have not sufficiently explained the change in my payment plan or provided documentation regarding the change. Today, XX/XX/XXXX, I called and spoke with a XXXX representative. I explained my concerns and he not only would not substantiate the change in my loan payment status, he argued with me and was very condescending. He told me that I had to provide documentation regarding my payment plan with XXXX/XXXX. I told him that I would not be making any further payments until I can confirm that this is indeed my loan and someone provides me documentation regarding the terms of repayment. I logged on to the XXXX website and could find no record of my loan with them, or a payment history ( oddly enough, however, my non-private loans, which were consolidated and transferred to Nelnet, do appear on the XXXX site ). I emailed XXXX and asked that they send me the original loan documents and my payment history. They have not yet responded. I am troubled that I can not find my loan on XXXX site. I had issues with my federal loans ( when XXXX was still XXXX ) a couple of years back and had to enlist the help of the Dept of Ed Ombudsman Group and the MN Attorney Generals Office to resolve those issues. There should be documentation of my loans and payment history ( I do have evidence of my payments to XXXX/XXXX in my email and my bank records, as well as tax documents ). I am concerned this is not my loan. If it is my loan, XXXX should be able to provide documentation about the terms of the loan. I would never have agreed to an interest-only payment plan. I am worried about the negative impact this has or will have on my credit. Finally, I am once again astounded by the deplorable customer service of yet another student loan servicer. I have asked for assistance in understanding whats happening here and rather than working with me and offering me information or additional resources, I am being talked down to and given the runaround. It should not be on the consumer to provide information regarding the previous terms of loan repayment to the new servicer. They should have this information, as should XXXX, and it should be readily available to me. Thank you.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-05
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: beginning in the month of XX/XX/2018 Department of Nelnet placed a remark on all 9 of my student loan accounts as " payment deferred '' which has negatively affected my three credit reports. my credit score has went down 10-30 points across all three credit bureaus. Before XX/XX/2018 there were no remarks on my student loan accounts and how they were reporting then were not affecting my score im asking that all the remarks be removed from all 9 student loan accounts as it is making it hard for me to apply for credit.
Company Response:
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2018-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
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: In XX/XX/XXXX, I submitted my annual documentation to re-apply for income-based repayments. I had previously done so and been on a {$0.00} per month since payments began on the loans in XX/XX/XXXX. I submitted my XX/XX/XXXX tax return via Nelnet 's online portal which redirected to the IRS 's website for confirmation. Once I completed these steps I was under the assumption that no further action was required. Since I had made around the yearly income as I had made the previous year, the monthly payment was to remain at {$0.00}. I did not hear anything from Nelnet after submitting my tax return. Around XXXX or XX/XX/XXXX, I received a text message from Nelnet saying my loans were about default and immediate action was needed. There was an option in this text message for me to apply " yes '' to start forbearance. I immediately signed into the Nelet website and saw I was 6 months behind on payments. No income-based payment plan had been applied to my account and I had been responsible for the full monthly payments since XX/XX/XXXX. I immediately replied " yes '' to the text message from Nelnet and called Nelnet to find out what was going on. When I reached a representative, it was explained to me that they did not receive my documents to reapply for the income-based payment plan and thus I had been on a regular payment plan since XXXX of that year. When I asked why Nelnet had not contacted me prior to 6 months of late payments the representative was unable to say for sure. I would like to reiterate that I received no letters or phone calls from Nelnet about this matter until the text message that was sent after the accounts were 6 months in arrears. Since statements were set up to be received online, I never received a statement in the mail about this matter either. Had I known they did not receive my documentation, I would have gladly re-submitted so this matter would have been resolved in a timely fashion. While speaking with the representative, I immediately submitted my tax return again and after a couple days of processing, my payment was changed to {$0.00} per month, as I had already thought was the case. If NelNet had alerted me earlier that they did not receive my documentation, or alerted me after the first or second missed due date, this matter could have been resolved months earlier without the detrimental effect on my nerves, well being, and credit history. I have repeatedly tried to reason with Nelnet on this but they refuse to admit to any wrongdoing on their behalf. It has been years now of disputing this with them. There has not been a single issue or missed payment or missed deadlines on my account other than this incident, yet Nelnet refuses to concede any mistake. I can't say for sure how the mistake happened. It could have been a technical glitch when I uploaded my tax return, a human error that deleted it after it was uploaded, or any number of reasons. All I can say is that I did my part and uploaded the document in a timely fashion well before the deadline. I would have been happy to upload it again as many times as needed had I known there was an issue. It was not my fault Nelnet didn't properly process the request. As seen in my attached document, Nelnet continues to treat this issue as a regular missed payment event with a request for forbearance after the fact. They refuse to even consider the fact that my payments should have been {$0.00} all along or that I had no knowledge the accounts weren't on the payment plan. I just don't understand why I would never have received anything until 6 months too late and they are unable to explain this to me either.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I HAVE REQUESTED PHYSICAL DOCUMENTATION OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from Nelnet Loan Services. I had previously disputed this account. I have never done business with Nelnet Loan Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Nelnet Loan Services DELETED this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that Nelnet Loan Services pick in day in XX/XX/2018, where we can meet in XXXX. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have had an IBR on file with the XXXX XXXX XXXX website since XX/XX/2007. The loan servicer has refused to acknowledge or honor the IBR on file, rather demanding that I submit individually to them, then not acknowledging receipt.
Company Response:
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A