Date Received: 2018-07-16
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: Nelnet has been double reporting my accounts for months. I have reached out and asked them to tell me which two of the four accounts they are reporting are correct. I have asked them to tell me what other loans are consolidated into the accounts that I have with them. They keep refusing to do this. And they did a hard pull on my reports when I complained, even though I have provided them proof of their incorrect reportings. Since I supplied them with the account numbers they are reporting at each bureau all I have gotten back is nonspecific form letters where they say they refuse to investigate it further. They are hindering my ability to obtain the credit I need by their lack of proper reporting.
Company Response:
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My XXXX loans were placed into " administrative forbearance '' by nelnet. This was not something that was I, as the loan holder, was ever notified of or consented to. I have four groups of student loans with Nelnet. Two of them are XXXX school loans, which are currently in grace following my graduation in XXXX. The other two are unsubsidized XXXX loans. I figured out on my own that the loans were in deferment, by logging into my account to try to set up auto payment. Auto payment, and therefore the .25 % interest rate deduction, could not be applied to my account because a payment was not due. A payment was not due only because my loans were placed in administrative forbearance without my consent. On three separate occasions, I have requested that nelnet place my loans into repayment. Each time, the customer service was helpful in making this change. However, a few days after the repayment goes into effect, the loans always go back to being in forbearance, despite assurance from nelnet that this would not happen and measures were being taken to keep this from happening. This forbearance is keeping my from making auto payments to my account, causing my loans to accrue more interest due to not receiving the interest rate reduction for autopay, and delaying my student loan pay off by not starting my repayment period promptly after graduation.
Company Response:
State: NC
Zip: 27502
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On or about the beginning of XX/XX/2018 I was notified by email from XXXX XXXX that they were servicing a student loan in my name. I requested documented verification that this debt was, in fact, something I had taken out and to date, I have received nothing. After multiple emails and calls, I received a pay off amount of {$8600.00} from a customer service representative. I paid that amount in full on or about XX/XX/2018. I am now receiving threatening emails and calls about an outstanding and overdue balance on the very account I have paid off. After multiple calls I am being told I have an outstanding balance of {$63.00}. I have been requesting information and documentation about this debt since XX/XX/XXXX and have not received any documented indications that this debt is in fact mine. I have requested that XXXX XXXX preserve any information about this loan for litigation purposes and when I asked for a contact in their legal department I was declined. When I looked online for a person that could accept service there was none listed, not even an address.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After reviewing my credit file I have come across information reported from Department of Education/Nelnet that is incorrect. On XX/XX/XXXX I spoke with XXXX at NelNet Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that NelNet has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XX/XX/2018, my student loans were acquired from XXXX by Nelnet and XXXX. Nelnet took over the federally subsidized loans and XXXX the private loans. Both appear to be divisions or entities of the same conglomerate. At the time of the loan acquisition, I had already rendered my XXXX monthly payment to XXXX. XXXX seems not to have received a transfer of the XXXX payment, but Netnet has. My Nelnet account is showing current, but my XXXX account has shown an incorrect delinquency since the transfer. Again, they are two divisions / entities in the same conglomerate, but can not communicate with one another to resolve this. I have called several times as well as sent in a statement for the XXXX payment made to XXXX twice. XXXX customer service is unhelpful and condescending - but the issue is that a payment that I have made is not being credited properly and I keep receiving factually erroneous delinquency notices with the corresponding indications that my account will be referred to collections. The loan transference from XXXX to Nelnet/XXXX was without my consent, has resulted in a higher interest rate and, on top of this, the monthly erroneous delinquency notices.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: At the end of XXXX of this year my public and private loans, which were being serviced by XXXX, were transferred to Nelnet and XXXX, respectively. As such, two checks that were sent to XXXX before the transfer in XXXX ( one of which was intended to pay off one private loan in full, and one of which was for private and public loan payments ) were sent by XXXX to Nelnet. It all went to Nelnet, instead of Nelnet and XXXX. Nelnet then applied all of this money apparently arbitrarily to my public loans. When I learned, in late XX/XX/XXXX, that my one private loan had not been paid off ( the check for that loan, in the amount of {$1400.00}, was earmarked specifically for that loan ) I contacted XXXX. They apprised me that they sent the money to Nelnet ( the check for XXXX and another check for XXXX ). I contacted Nelnet and spoke with people repeatedly, throughout the month of XXXX, explaining the situation : that they had to return the XXXX to XXXX, and that the check for XXXX had to be divided between them and XXXX. ( Of the XXXX, XXXX was designated for private loan payment. ) Each time I spoke with someone I was assured that things would be straightened out. After many frustrating conversations, I finally had a conference call on XX/XX/XXXX with XXXX from XXXX and XXXX XXXX from XXXX. I explained the situation to them, and after some checking they assured me that they understood what happened to the payments and that they would straighten everything out. They located the amounts and saw what went wrong, they said. All would be fine, I was assured. By the time XX/XX/XXXX rolled around I learned that very little had been straightened out. After speaking with multiple people, on multiple occasions, I was told that all would be ok, it was just taking time. By late XX/XX/XXXX, XXXX was telling me that I was delinquent in my payments. On XX/XX/XXXX I spoke with Forest at Nelnet, and on XX/XX/XXXX I spoke with XXXX at XXXX. Both told me that things were still being worked out. But the delinquency notices kept coming. And XXXX XXXX, who owns the loans, started emailing me notices of delinquency, too. I contacted Nelnet and XXXX repeatedly and repeatedly felt that I was being given the run around. After XXXX, in early XX/XX/XXXX I started talking with XXXX at Nelnet. When I expressed my frustration with her over this ongoing mismanagement she giggled, then she assured me that she would do everything to help. A few days later she told that me that they can not locate the money - checks that had been sent to XXXX and cashed in late XX/XX/XXXX. Monies that I had been told, on the conference call of XX/XX/XXXX, were located. Pursuant to her request, I emailed XXXX a copy of the cashed checks ( for XXXX and XXXX ) on XX/XX/XXXX. I also emailed this copy to a XXXX at XXXX named XXXX XXXX on XX/XX/XXXX. Today, XX/XX/XXXX, I received an email from XXXX stating that the checks are insufficient proof, that Nelnet would like copies of bank statements showing not only that the monies were sent but proof that they had not been returned as well. They were never returned - moreover, Nelnet had already applied some of the money to public loans. And strangely the amount Nelnet says I owe each month is about {$100.00} less than it should be. As of XX/XX/XXXX I have not heard back from XXXX XXXX at XXXX. And I am presently waiting on copies of bank statements to send to Nelnet which clearly show that the money was taken from the accounts and not returned. In the interest of bringing this seemingly never-ending mismanagement of payments ( which I am beginning to suspect is being carried out in bad faith ) to an end, I decided to file this complaint. Thank you
Company Response:
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
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: Many accounts transfer to another company, I been trying to delete all these account from my credit report and havent get results, the accounts are very old and I need to make correction to my credit report.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet has my XXXX benefit documentation yet has failed to update all of my loans and payment status accordingly. They have repeatedly kept asking for social security documents and continuously keep switching me to REPAY then back to PAY AS I EARN then back to REPAY every few months. I do not have a review with the social security administration for another 7 years!!! This is working on my account in bad faith and intentionally trying to create a default on my student loans. A social security recipient should have to continuously keeps going through this every few months with Nelnet. I need the CFPB to investigate on the complaint on this matter.
Company Response:
State: UT
Zip: 84115
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-10
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Student Loan had been in " OK '' standing since XX/XX/XXXX. As ofXX/XX/XXXX, my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.
Company Response:
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The following link proves that I am no longer liable for any debts incurred while attending the now defunct, XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX I have previously submitted complaints stating clearly and unequivocally that I am in no way responsible for any debts incurred at the XXXX XXXX XXXX XXXX. This latest piece of evidence confirms that I am not liable for any of these falsely alleged debts. Yet XXXX continually harasses me for payment, constantly threatens to further damage my credit, and has even threaten to report my loans as in default. Over the last several years I have collected the following information on these predatory institutions. I have submitted numerous cease communications letters to XXXX in accordance with both the state and federal Fair Debt Collection Practices Acts. Yet XXXX has illegally contacted me after receipt of these letters. Despite breaking the law, no one from XXXX has been criminally prosecuted. Over the last several years I have collected a massive amount of evidence regarding the criminal conduct of XXXX, the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and the so-called XXXX XXXX XXXX XXXX XXXX. The evidence is as follows. In XXXX, the government sued XXXX XXXX XXXX for {$11.00} XXXX dollars in fraud XXXX XXXX XXXXXXXX yet only the debts for those who attended after XXXX was pardoned. The government agreed to a paltry slap on the wrist settlement leaving the students holding the bag. There are petitions all over the internet demanding justice for the students and families wronged XXXX XXXX XXXX. The US DOJ 's paltry XXXX XXXX dollar settlement was useless. No student had their debt cancelled and no student was compensated. The injustice was so egregious that the XXXX XXXX XXXX sued the US DOJ in order to obtain the files from the case. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Today, a XXXX judge ruled that the US DOJ must give XXXX the case files requested under the Freedom of Information Act ( FOIA ). XXXX XXXX XXXXXXXX. In fact, there is an entire project, the XXXX XXXX XXXX XXXX, demanding that the USDOJ release the case files regarding XXXX 's ( the parent company of the XXXX XXXX XXXX XXXX ) predatory, for-profit, recruitment practices. Just last year, the government sued XXXX XXXX XXXX XXXXXXXX. The Attorney General for the State of XXXX joined the lawsuit against XXXX XXXX XXXX XXXX. The Attorney General for the State of XXXX joined the lawsuit against XXXX XXXX XXXX XXXX. The Attorney General for the State of XXXX joined the lawsuit against XXXX XXXX XXXX XXXXXXXX. The Attorney General for the State of XXXX has joined the lawsuit against XXXX XXXX XXXX XXXXXXXX. The lawsuits allege, correctly, that XXXX cheated millions XXXX XXXX XXXXXXXX. There are numerous class action lawsuits against XXXX XXXX XXXX XXXX. The private class actions are necessary because the actions of the CFPB are insufficient XXXX XXXX XXXX. The case files can be accessed by anyone online XXXX XXXX XXXX XXXX XXXX XXXX. A primary reason for the suits is XXXX 's collection practices XXXX XXXX XXXX. That filing can be found here : XXXX XXXX XXXX XXXX XXXX XXXX. There are a number of individual lawsuits against XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. Which can also be accessed online : XXXX XXXX XXXX XXXX XXXX XXXX. As well as here : XXXX XXXX XXXX XXXX XXXX XXXX. The remaining evidence against this predatory lender is attached to this complain in the form of PDF documents and screen shots. Long before XXXX XXXX XXXX XXXX XXXX closed, millions of students were asserting, correctly, that their degrees from these predatory institutions were worthless : XXXX XXXX XXXX. The parent company of XXXX XXXX XXXX was the so-called XXXX XXXX XXXX or XXXX. A predatory institution that is XXXX percent owned by XXXX XXXX, one of the predatory financial institutions which the tax payers were forced to bail out with {$800.00} XXXX dollars of our money in XXXX. XXXX filed for bankruptcy and has been rapidly closing it's defunct, so-called, schools, including one campus of XXXX XXXX XXXX after another falling like dominoes. XXXX XXXX XXXX. The despicable thing about this is, that the students struggling with six figure student loan debt, are not allowed to file bankruptcy on our student loans. Just last year, XXXX XXXX XXXX, which is supposedly a religious based nonprofit, purchased XXXX XXXX XXXX, including XXXX XXXX XXXX XXXX XXXX from XXXX. XXXX XXXX XXXXXXXX 's claims of religious observance do not appear to extend to the concept of charity because it refused to pardon the debts of any of the students who were harmed under previous XXXX management. It formed the so-called XXXX XXXX XXXX XXXX which is just another corrupt, predatory institution putting up a religious front, hiding behind false declarations of faith in order to continue to swindle students. XXXX XXXX XXXX does not appear to believe in " giving unto others '' or any of the other charitable commandments given by XXXX in the XXXX XXXX. Otherwise, they would not have continued to mislead students about the fact XXXX XXXX XXXX XXXX XXXX is not an accredited educational institution. XXXX XXXX XXXXXXXX. Finally, as stated at the beginning of this complaint, this article proves, that neither I, nor anybody who attended the XXXX XXXX XXXX XXXX, which is now closing and is an unaccredited, defunct, predatory institution, are liable for any debts incurred, whether private or federal student loans, while we attended XXXX XXXX XXXXXXXX XXXX XXXX. We, the students, collectively demand the immediate cancellation of all debts which XXXX, the Department of Education, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, and XXXX XXXX, falsely allege we owe. We received no return on our investment in our education, we are not liable for these debts and we refuse to pay them.
Company Response:
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A