Date Received: 2018-06-21
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: I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/2017.
Company Response:
State: TX
Zip: 76119
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-21
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: I have a loan with XXXXXXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXXXXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/2017.
Company Response:
State: TX
Zip: 76119
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-21
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have had to defer my payments due to no income and a chronic health issue that has prevented me from being able to find employment at this time, I need some other options that are legit and not scams in order to be able to defer my payments out longer than the few months that the online deferment allows me to do until I am able to return to work, this has really stressed me out and according to my Dr 's they have advised me to go on this website to see if the Consumer Finance Protection Bureau can advise me of other options that are legit or reduce my payments to the very minimum until I am able to return to work.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have multiple student loans, one specifically through NelNet. On Monday XX/XX/XXXX, I was receiving information from them to my email that my payment was due that I was unaware of so I called nelnets customer service specifically to get my account up to date and figure out what was going on. As expected, they asked me my answers to my challenge questions that secure my account which is standard so I didnt think much of it. Since my account was locked out for 30 minutes, they said they would call me back. When they did, they started charging my account for large fees claiming that I needed to stop making my student loan payments because they were going to consolidate them. They also said in doing it this way my loans would be forgiven in 240 months. They charged my account XXXX, and my fathers account XXXX ( CO-signer ). This is obviously a student loan scam, as nelnet called us directly on XX/XX/XXXX, telling us that our payment was still overdue and that the department of education would never charge an upfront fee because this is something you are able to apply for free of charge. This is how we came to find out that this was indeed a scam and the previous company was NOT nelnet we were working with directly.
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2018-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have received paperwork where XXXX is threatening wage garnishment formerly Nelnet, Since I do not have access to a phone during their available working hours, I sent a long detailed letter and financial information to them that they requested using the forms available to me on their website. All the information was provided to them by the date requested in order to set up some sort of payment arrangement. They have not sent me a statement that shows the amounts owed and why? I requested in writing for an itemized information regarding what is owed, including the payments I made in the past including the taxes they garnished from me in XX/XX/XXXX and XX/XX/XXXX filings.
Company Response:
State: TX
Zip: 78227
Submitted Via: Web
Date Sent: 2018-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
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: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with Nelnet and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted Nelnet directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with Nelnet due to this issue and consolidated my loans w/ another Student Loan company. My Nelnet balance has been paid but the late reporting is still showing on all my credit reports.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I came across partial copies of the XXXX Federal Student Loan Disbursement notice from XXXX who happen to have some of my loan paperwork I requested for 2.3 years. Financial Aid office at XXXX XXXX XXXX University still to the day refused to give me copies of my entire student file including accounting information and registration files that are under two student ID numbers they created. Fraud and embezzlement committed by the supervisor that runs the financial aid department and others who work in that department. Accounting along with registration had fraudulently double charged me tuition fees each quarter from XX/XX/XXXX-XX/XX/XXXX. Dean of admissions XXXX XXXX instructed all staff employees not to speak to me regarding this matter. XXXX XXXX refused to speak to me and ignore multiple emails sent to her. I received grant money that the financial aid department took the funds and created new loans of Pell Grant funds. Money that was supposed to be sent back to the bank never did. First two loans non-sub and sub loans funds are divided into 3quarters. I was out for 1 quarter ( W8 ) first two reimbursements was for F07 Unsub- {$1600.00} F07 Sub-loan {$1800.00} ( WI08 ) Unsub and Sub loan funds were not returned, financial dept created multiple loans using a student ID under my social security number. The financial aid department knew I was a part-time student and not full time. The XXXX disbursement notices list the loan amount the disbursement dates and dollar amount each quarter. But the total of the loan amount is doubled. See attachments. Attached is the only promissory note I ever did online and it is XXXX University policy for students to come to the financial aid office to review MPN and sign the hard copy. Also in XXXX own catalog it states that only one MPN signed to be use for student loans not multiple MPN. I refuse to pay for the money that was embezzled by employees in the financial aid and accounting and registration department. I entered XXXX Unversity in XX/XX/XXXX grade level ( 3 ) each XXXX loan documents were changed to grade level ( 1 ) and total loan amount doubled but listed on the NSLD as half of the student loan dollar amount.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-18
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: I am a XXXX XXXX XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/XXXX. During the administrative work with SSA and XXXX XXXX. XXXX XXXX and Nelnet to process my XXXX discharge the loans were placed in late payment status. Nelnet sent me a letter to correct this with all 3 credit bureaus. I submitted the letter from Nelnet to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus. The credit bureaus have not removed the late payment markings on XXXXXXXX XXXX XXXXXXXX./Nelnet Loan updates in XX/XX/XXXX and XX/XX/XXXX. Again, none of these loans were ever late prior to my XX/XX/XXXX Social Security XXXX XXXX XXXX onset determination date. The dates of misreporting are last reported during XX/XX/XXXX-XX/XX/XXXX. There are about 33 occurrences of this error in each report, often with 7-14 months labeled as Late Payments from XX/XX/XXXX-XX/XX/XXXX. This constitutes approximately 231 incorrect items per month since XX/XX/XXXX subject to FCRA penalties or fines.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Nelnet/ Have you contact the original creditor to check to see if this is my debt? If you did, name and address and phone number of company of the original creditor.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: It seem like XXXX is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX claim that I own them money. I really believe that XXXX being discriminated against me because I'm a XXXX male. XXXX have not given name and address of the original creditor. I am requesting XXXX to please stop trying to collect money on a false account and stop putting false information on my credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A