Date Received: 2018-08-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I completed a Loan Rehabilitation program with Nelnet and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. I sent a special written request directly to Nelnet. In whole, it stated : I'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any of the Nelnet/Department of Education loan - as specified in the terms of the Higher Education Act and the Department of Education. Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program Loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date and make all nine payments during a period of 10 consecutive months. Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.
Company Response:
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a letter back from XXXX XXXX Fraud Aversion indicating that I didn't not provide the requested documentation which was a police report. As of XX/XX/XXXX, I have submitted a copy of the police via certified mail. The certified mail tracking number is XXXX XXXX XXXX XXXX XXXX. A copy of the certified mail receipt is included with this correspondence. The police report is dated XX/XX/XXXX. To date, I have not gotten a response back from XXXX XXXX.
Company Response:
State: VA
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: 2018-08-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Nelnet is continue to put false information on my credit report. They say they have a promise note that I am sign for. I am questing that Nelnet pick one day out of month of XXXX, and we meet in XXXX and have expert look at promise note and I will be able that it counterfeit promissory note. I think it wrong for Nelnet to try against of XXXX people.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I requested a payment made on XX/XX/XXXX to be entirely allocated to Group B, however the payment and a subsequent payment was allocated differently. I reached out to XXXX XXXX in a XX/XX/XXXX email requesting the reallocation and he never responded in the Solutions Center. Email below : XXXX XXXX, I paid off Group B - Loan 6 on XX/XX/2018 with a payment of {$1200.00} when the balance was only {$1200.00}, the excess amount of XXXX was applied to Group D. On XX/XX/2018, a payment of {$250.00} was made to my account and was allocated in the following manner : Group B - {$53.00} Group D - {$84.00} Group F - {$110.00} I don't understand where and why {$53.00} was applied to Group B when it had been paid in full the previous day. Group B had a status of refund due for a few days and then is changed to paid in full. I want to know why {$53.00} was applied to Group B after the load was paid off? Also, I sent in a request to have all payments applied to Group F and I'm not sure if it was applied since my account does not show the payment reallocation. Finally, a payment for {$150.00} was made for XX/XX/XXXX and as of today does not show on the payment history, I would like to know why and where it is at? Thank you, XXXX XXXX I called to Nelnet and spoke with XXXX on XX/XX/XXXX and requested the same and was promised the payment on XX/XX/XXXX and XX/XX/XXXX would be reallocated. Effectively, the XX/XX/XXXX payment would payoff Group B and extra payments would then be directed to Group F until it is paid off. To date the XX/XX/XXXX payment still reflects the payment being split across Group B and Group F and the XX/XX/XXXX payment shows allocation across Groups B, D and F. I request the change multiple times and I would like to have this change applied immediately.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2018 I was approved for a XXXX Discharge off my student loans with NelNet who also handles the discharge. I was sent a letter stating my loans would be reported to all three credit bureas XXXX XXXX, and XXXX that my student loan with NelNet would be reported closed paid in full XXXX balance. After about a month I notice On my credit report that over 30 different student loans were added to XXXX and XXXX reports, with different reporting as, transfered closed defered ect. I reach out to NelNet and, told them they are double reporting accounts on my credit report. XXXX and XXXX these are the same company not different. So now on my credit report I have double accounts see below XXXX this account is listed twice on my report with XXXX and XXXX XXXX XXXX this account is listed twice on my report with XXXX and XXXX XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with transunion and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX. XXXX XXXX XXXX XXXX These errors are effecting me, all should have been reported as, closed and paid, and there should not be double up of accounts to make it look like I had 26 plus 19 loans. I am upset because XXXX/NELNET and XXXX are in the same office, it is not a different lender, or serivcer that is handling my loans. When reporting to someones credit it is not even legal with FCRA to double report the same accounts. It should be one account number. I had 19 loans and over 42 loans are showing up with NelNet. Pplease fix like you said you would in XXXX I have attached the letter.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: IN REGARDS TO ; NELNET LOAN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I HAVE DONE CONTINUIOUS DISPUTES WITH THE BUREAU XXXX AND THEY CONTINUE TO SOME HOW VALIDATE THE INFORMATION WHEN THE OTHER 2 BUREAUS XXXX AND XXXX REMOVED IT DUE TO MY THE FRAUDULENT AND IDENTITIY THEFT TAKING PLACE ON MY CREDIT REPORT. I HAVE NEVER OPENED A LOAN WITH NELNET LOAN SERVICES AND DON'T KNOW WHY THEY ARE CONTINUING TO REPORT ON MY CREDIT REPORT BECAUSE NOTHING CAN BE VALIDATED NOR VERIFIED. AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( XXXX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: When my student loan was sold to Nelnet for servicing I was offered a lower incentive interest rate ( 4.125 % rather than 5.625 % ) for making the first 36 payments on time. I did and my interest rate was lowered in XXXX. In XXXX I began making large payments on my loan, roughly {$1000.00} per month. I was trying to pay down the principal and when I inquired to Nelnet as to the best way to do so, I was told to simply make the large payments. Because I was making large payments I would receive monthly statements from Nelnet indicating that I did not owe a monthly payment and that I was current through XX/XX/XXXX. I switched to a lower paying job in XXXX and did not make any payments. I continued to receive monthly statements until XX/XX/XXXX reflecting that I did not owe anything. I picked back up with payments in XX/XX/XXXX and received a letter that I had lost the incentive interest rate earned in XXXX and that my interest rate was being raised to 5.625 %. When I called XXXX to inquire as to why, I was told that my loan had been transferred, that XXXX had missed a payment and that it was an error. My interest rate was adjusted back down to 4.125 % for one month. In XX/XX/XXXX I received another letter stating that my interest rate was again raised. When I called Nelnet to again inquire as to why and was told that my payments were not on time. The first individual with whom I spoke stated that, although I did not owe Nelnet any money in XXXX and was sent statements reflecting as such, my interest rate was being raised because my payments were not on time in XXXX. When I asked to speak to that person 's supervisor I was told that I lost the incentive interest rate because I did not make payments in XXXX, even though Nelnet continually sent me statements that said I did not owe any money and that I did not owe a payment until XX/XX/XXXX. I asked to speak to that person 's supervisor, who then told me that I lost the incentive interest rate because my XX/XX/XXXX payment was due on XX/XX/XXXX and I'd made it on XX/XX/XXXX. I pulled up my online statement, which shows my XXXX payment on XX/XX/XXXX. I was then told that my payment was not 'on time ' because it was too early. It was explained that this was the case even though when the money was due ( XX/XX/XXXX ) it had already been paid on XX/XX/XXXX and I did not owe anything on the " due '' date. The Nelnet supervisor agreed that I was not ( and still am not ) delinquent on my payment and that I had never made a late payment. I asked where in writing I was notified that by making a payment too early, or making large payments throughout XXXX ( as Nelnet instructed me to do ) I would lose the lower interest rate. I was told that this is not in writing, but because it is an incentive Nelnet could simply raise my rate. The supervisor was looking further into the matter. Today I received another call from Nelnet and the individual with whom I spoke told me that I lost the incentive because my payment due XX/XX/XXXX was not paid until XX/XX/XXXX. This is now the third reason I have been given for losing my lower interest rate. Nonetheless, the individual with whom I spoke also agreed that my account is current and that my payments have not been late or too early. Regardless, I made a payment on XX/XX/XXXX and my XX/XX/XXXX payment was not late. Nelnet could not explain why it has taken almost 2 years for it to notice this alleged late payment, but their own records show my XX/XX/XXXX payment. To summarize, Nelnet acknowledges that my account is current, I have never made a late payment and it sent me statements for over a year that reflect that I do not owe it any money. It has now given me three different reasons why my interest rate was raised, but admits that none of the justifications it has given are actually in writing anywhere. Nelnet can not give me a legal/contractual reason for raising my rate, or any factual support for doing so.
Company Response:
State: OH
Zip: 43016
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello CFPB, I have been dealing with Nelnet to handle my student loan payments for the last month. Ive been with them for a few years and have never had a problem until now. Last XXXX, I got married, and filed my taxes jointly. When Nelnet calculated my payment, it used both my spouses and my incomes combine, but didnt calculate that my husband also has student loan debt. Currently his loans are in deferment, as he is completing his XXXX XXXX through my employee discount via the University XXXX XXXX. Since renewing my student loan income based payment plan, my payment has jumped 2.5 time more than last year. It is now roughly 19 % of my monthly income. They assumed that I would have my spouses income as disposable that I would be able to use to pay my student loans, which isnt true, as he is also paying for his loans while they are deferred. Ive been trying to explain the situation to them, and have asked them to recalculate but havent been receiving any communication back. My husband has also tried to get in touch with someone in their customer service department, but has been led in circles. They asked that I submit a release form so that my husband is allowed to talk to them about my loans. I have filled out that form and uploaded it to their website. We have both been trying to get in touch with them for the past few weeks. I havent received any communication back, and only Nelnet has been returning communication to my husband, but only to tell him that I need to fill out an information release form. Weve been going in circles. Below are some email exchanges that weve has with Nelnet. Ive removed any sensitive information. -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX Sent : Thursday, XX/XX/XXXX, XXXX AM PDT Subject : Income-Based Monthly Payment Help - XXXX XXXX ( XXXX ) Dear Nelnet, I am writing you today to inquire about my current student loan payment. Over the last few years since I graduated, I have been fully employee, steadily making more money with my time and experience. I am currently only making {$39000.00} a year with my current employment. Since XXXX, my payments for repaying my student loans have been between $ XXXX {$160.00}, which has been very sustainable for me. In XX/XX/XXXX, I got married, and this last tax period, I filed my taxes jointly with my spouse. We both have student loan debt combining {$71000.00}. Were both making payments on our student loans. Currently my husband is working on his XXXX XXXX part time, using my spouse education benefit for working at the University XXXXXXXX XXXX. This benefit allows him to pay {$5.00} a credit, however, the actual cost is factored and played on top my taxable income at the end of the year. It is income I dont see or benefit from, though is used against me when tax session rolls around, as well as my student loan payment re-certification. Using all of this information, my husband and I make a combine income of about {$75000.00}, though some of that total is attributed to my phantom income from the schooling cost. This year, when I re-certified my student loan payment, it used our joint income to calculate everything. My current monthly payment is now {$410.00}, which is 2.5 times larger than my last years payment. My payment now is also 19 % of my monthly take-home income. I am currently working at the University XXXX XXXX, which qualifies for the Public Loan Forgiveness Program, and I am working on my 10 years. I currently have almost 4 years completed. On top of my Nelnet loans, I also have Perkin 's Loans that don't qualify which I am paying on monthly. That loan amount is about {$4000.00} total. The income-based plans are very reasonable for me, and I wish to stay on them, as well a continue working towards my forgiveness. I would like to have some help in trying to lower my payment, if possible. I know when you calculated my payment amount that you used my spouses income as well. I feel like the use of my spouses income has been used against me to increase my payments. Is there any way to only use my income? I can supply any documentation necessary. I hope there is something we can do to fix this. Sincerely, XXXX XXXX Account # : XXXX -- -- -- -- -- -- -- -- -- From : XXXX, XXXX ( XXXX ) Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX Subject : Fwd : xxxxxxxxxx - IDR issue XXXX never received a response from your organization after he submitted your required release. If he does not receive notice by the end of this week he will file a formal complaint with the Consumer Financial Protection Bureau. Someone must re-examine your IDR calculations. XXXX XXXX -- -- -- -- -- -- -- -- -- -- From : XXXX, XXXX ( XXXX ) XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX Subject : Fwd : xxxxxxxxxx - IDR issue XXXX submitted your online info release today. -- -- -- -- -- -- -- -- From : XXXX, XXXX ( XXXX ) Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX Subject : xxxxxxxxxxx - IDR issue ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Dear Nelnet, My husband recently received notice that his IDR would increase from {$160.00} to {$410.00} beginning in XX/XX/XXXX. A customer service representative explained to him the new payment amount is based on our XXXX Tax Return, specifically our combined income due to filing Married, Filing Joint. Surely there is a mistake - his IDR increased 251 % with less than one month notice! I am unsure if your IDR calculator takes my student loans into account while determining my husbands. The attached PDF shows my current balance with XXXX XXXX XXXX. My IDR is in DEFFERMENT status because I am a STUDENT. However, I try to make payments when I can because this is a good idea. Please reexamine your IDR calculations for XXXX and respond to him directly on the status of your findings. Thank you, XXXX XXXX -- -- -- -- -- -- -- -- -- -- On Friday, XX/XX/XXXX, XXXX XXXX PDT, XXXX, XXXX ( XXXX ) XXXX wrote XXXX XXXX, XXXX a formal complaint via the CFPB website tonight. Nelnet, Check your records. On XX/XX/XXXX your company received confirmation from XXXX to release information. I notified your company and neither of us heard back. Your company is giving us the run around and its unacceptable. Get Outlook for XXXX -- -- -- -- -- -- - From : Nelnet Customer Solutions XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX ( XXXX ) Subject : RE : Re : Dear XXXX XXXX , Thank you for contacting Nelnet. Thank you for contacting Nelnet regarding XXXX student account. In order for Nelnet to release account information, we must first receive their written permission. Click the link provided below to access Nelnets Request for Authorization form online. https : //www.nelnet.comXXXX Please resubmit your inquiry once XXXX has provided us with their written permission. Were here for you when you need us. If you have any questions, please call us at XXXX or visit Nelnet.com. Sincerely, XXXX XXXX. Your Nelnet Customer Service Team -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX Dear Nelnet, My husband recently received notice that his IDR would increase from {$160.00} to {$410.00} beginning in XX/XX/XXXX. A customer service representative explained to him the new payment amount is based on our XXXX Tax Return, specifically our combined income due to filing Married, Filing Joint. Surely there is a mistake - his IDR increased 251 % with less than one month notice! I am unsure if your IDR calculator takes my student loans into account while determining my husbands. The attached PDF shows my current balance with XXXX XXXX XXXX. My IDR is in DEFFERMENT status because I am a STUDENT. However, I try to make payments when I can because this is a good idea. When my payments resume, they will be about {$280.00} a month. Please reexamine your IDR calculations for XXXX and respond to him directly on the status of your findings. Thank you, XXXX XXXX Get Outlook for XXXX -- -- -- -- -- -- -- From : Nelnet Customer Solutions XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX ( XXXX ) Subject : RE : Fwd : Dear XXXX XXXX , Thank you for contacting Nelnet. The requested information below is necessary to meet federal privacy guidelines on the borrowers federal student loan account. Once we receive all the necessary information, we will be pleased to review your inquiry. Please reply to this e-mail and include the following : 1 ) Borrowers nine-digit Nelnet account number or Social Security number 2 ) First and Last Name of borrower 3 ) Date of Birth of borrower Please restate your question or concern so we have everything we need to effectively research and respond to you in a timely manner. Were here for you when you need us. If you have any questions, please call us at XXXX or visitNelnet.com. Sincerely, XXXX XXXX Your Nelnet Customer Service Team XXXX never received a response from your organization after he submitted your required release. If he does not receive notice by the end of this week he will file a formal complaint with the Consumer Financial Protection Bureau. Someone must re-examine your IDR calculations. -- -- -- -- -- -- -- On Monday, XX/XX/XXXX, XXXX XXXX PDT, Nelnet Customer Solutions XXXX wrote XXXX Account : XXXX Dear XXXX, Thank you for contacting Nelnet. The IBR is calculated by taking your Adjusted Gross Income ( AGI ), subtracting the Poverty Guideline Amount ( PGA ) for your state, then multiplying this number by 0.15. Then finally dividing that number by 12. This will give the approximate monthly payment amount. Formula : * For example : Your AGI is {$40000.00} and for your family size the PGA is {$17000.00}, so your monthly payment would be : *This monthly payment amount would be prorated across all of your active federal student loans in a repayment status, including loans not serviced by Nelnet . Poverty Guideline Amount : This is the figure for your state and family size from the poverty guidelines published annually by the U.S. Department of Health and Human Services ( HHS ). If you are not a resident of a state identified in the poverty guidelines, your poverty guideline amount is the amount used for the 48 contiguous states. The REPAYE is calculated by taking your Adjusted Gross Income ( AGI ), subtracting the Poverty Guideline Amount ( PGA ) for your state, then multiplying this number by 0.10. Then finally dividing that number by 12. This will give the approximate monthly payment amount. Formula : * For Example : Your AGI is {$40000.00} and for your family size the PGA is {$17000.00}, so your monthly payment would be : *This monthly payment amount would be prorated across all of your active federal student loans in a repayment status, including loans not serviced by Nelnet . Poverty Guideline Amount : This is the figure for your state and family size from the poverty guidelines published annually by the U.S. Department of Health and Human Services ( HHS ). If you are not a resident of a state identified in the poverty guidelines, your poverty guideline amount is the amount used for the 48 contiguous states. We hope you find this information helpful. If you have any questions, please call us at XXXX or visit Nelnet.com. Sincerely, XXXX XXXX. Nelnet -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The information contained in this message is confidential proprietary property of Nelnet , Inc. and its affiliated companies ( Nelnet ) and is intended for the recipient only. Any reproduction, forwarding, or copying without the express permission of Nelnet is strictly prohibited. If you have received this communication in error, please notify us immediately by replying to this e-mail.
Company Response:
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2018-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am the cosigner on my granddaughter.s student loan which is XXXX serviced by XXXX XXXX XXXX. XXXX XXXX reported 4 late pyts to XXXX which were actually late but there were extenuating circumstances which after several calls to both XXXX XXXX and XXXX ( disputes ) they wouldn't'.t even listen. My granddaughter applied to XXXX XXXX after earning her degree from XXXX XXXX University and paying loans for almost 4 yrs. She ca ; ; ed XXXX XXXX and was told she could have a deferment from paying the loans, therefore, she stopped paying them for 4 months and then was told she couldn't have the deferment so I immediately paid the back payments and thought this was all set. I never looked at my credit report until this year, not knowing there were late pyts on it. I have had to sign for my 4 grandchildren for loans and was signing for my youngest one 's loan and discovered the lates. I have spoke to XXXX XXXX several times and my granddaughter has spoke to them several times and they told me every call is documented. Nobody apparently listened to my request to forgive these lates because of a error ( thinking she was deferred ). They kept saying they're valid lates. She has a perfect credit until this period of time now she has the lates and i do. I am a elderly woman almost XXXX yrs old and have never had a late on my credit report, in fact it was perfect before this incident. I spoke to several people at XXXX XXXX and after telling my story to several people including supervisors all they said was it was a valid late and did not listen to what I was saying regarding the deferment. They told me to call XXXX saying perhaps they could help me. All XXXX did was investigate and was told it was a valid late and wouldn't change the report. My granddaughter did not deliberately not pay these payments, she thought she was deferred. We need help to get this forgiven. I'm told these are on our credit report for 7 years if these can't be changed. My granddaughter will have to consolidate her loans so she can afford them when she finishes school again but probably won't be able too because of this error. She goes to XXXX School full time and works every hour she can at XXXX XXXX to earn the money to pay these loans She is giving it her all and is volunteering to go with XXXX XXXX XXXX to XXXX to help the less fortunate ; she is really a good and reliable kid, this never would have happened if she wasn't given wrong information regarding the deferment. Please help.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX is continue to report false information on my credit report. Nelnet is not original creditor. I never sign contract with Nelnet. Nelnet can not prove that it my debt. Nelnet claim that I owe {$23000.00}. Where is the original promissory note that I sign for {$23000.00}. What the name and address of original creditor? Who the person who approve this promissory note? When was first payment made on this account? When was last payment for this account? It seem like Nelnet try to use false deceptive, or misleading representation in connection with the debt collection. I feel that it not right to try discriminate on me because I am XXXX male. I am requesting that Consumer Financial Protection Bureau does investigation on Nelnet trying take advantage of minority. I will like someone from Consumer Financial Protection Bureau to meeting next month XX/XX/2018 in XXXX with XXXX XXXX XXXX, myself and document expect to look at promise note.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A