Date Received: 2018-02-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve Nelnet accounts pay status " Account 120 days past due '' Accounts as follows : NELNET XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XXXX- {$2400.00}, 9/18/2003- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account NELNET XXXX reporting {$3700.00} account more than 120 days past due.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I emailed a good will letter on XX/XX/XXXX upon seeing my credit report reporting lates. I again sent in information on XX/XX/XXXX and XX/XX/XXXX. I spoke on the phone XX/XX/XXXX to which I was told unless I was in school or in deferment or in military lates can not be removed. Upon further investigation, I learned in XX/XX/XXXX when I first was reported I was techically at my 6 month forbearance ( I was in school until XX/XX/XXXX ). So my XX/XX/XXXX late was inaccurate being I was at my 6 month at that point. I was told today this was removed ( XX/XX/XXXX ). I was also late in XX/XX/XXXX when I left my home with only my clothing on my back and my car. I was in a homeless shelter for dv victims. I was in and out of court fighting for sole custodial of my children. I remember having a call when I was at XXXX to which placed me in a forbearance once again ( I was on PA with no income ) and was specifically told it will remove ALL lates and put me current. I have verified it was a administrative forbearance to which is eligible to back date up to a year. My PA was {$500.00} a month, {$400.00} which went to rent. I had no income. I did send all this proof in to them and they refuse to fix their mistake. Now in XX/XX/XXXX, I was again called, I went on a economic forbearance to which I had to fill out papers and send in stubs. I completed this, made copies and sent it in. I have since learned send things all certified being Im told by them this was not received but yet I never got them back. I just now learned about this! That year in XX/XX/XXXX we were on food stamps. My husband was on unemployment and I just had a baby going threw major medical problems. But I know this was completed and mailed. My husband even recalls this. Now Im told it was never received but never came back and I had another administrative forbearance placed. I was never called when it was not received! I am just beyond upset. I am now on IBR in which I went on in XX/XX/XXXX and completed it early this year ( not due til XX/XX/XXXX and already done ). I just want what I was told to happen. I want my lates removed as I was told over the phone and want to know where those papers went being they were never returned. I was told today the XX/XX/XXXX was removed but no others. This makes me more upset being I was told this would fall off my reports XX/XX/XXXX ( 7 yrs from first default ) and now with it removed it sits for two more years if they do not fix their XXXX ups. Its not right when Im in a shelter, fighting for my kids, going threw a divorce, was told my account was current to hear now, it was never corrected to current with no lates and only way if I was in school or military. Thats the last thing on my mind at that point. I needed a home, I needed to get my kids away from my ex. Not join the military or attend school. I know what I was told. This was the only loan that I had during XX/XX/XXXX that needed a new deferment. I know for a fact that paperwork was done in XX/XX/XXXX and my husband remembers it. We sent in his stubs and our tax return. That was the first year we did not claim my step daughter and placed a note with it that we no longer claim her but we do have a infant now we will be claiming the following year. Please not e I am marked late XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX but had the forbearance in XX/XX/XXXX in which was told backdated the two months in addition to XX/XX/XXXX yet marked late the same month the forbearance went thru. I was also marked late XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. These papers I was told was not received was sent prior to the XXXX of my son in XX/XX/XXXX. I was on XXXX XXXX due to XXXX XXXX and know for a fact this was taken care of. The drs has concerns with me XXXX and XXXX so we ensured we did what we can prior to XXXX in case something did go wrong and I was in rough shape for awhile.
Company Response:
State: NY
Zip: 14224
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-01
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: Greetings, Greetings, I have initiated disputes with XXXX and XXXX XXXX to remove incorrectly reported late payments for NELNET Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. XXXX and XXXX XXXX will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to XXXX and XXXX XXXX to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XX/XX/XXXX. Below are the reported late months that should be updated on my XXXX and XXXX XXXX credit report.. Should you need any additional information please let me know. Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet services the bulk of my federal student loans. This company has been allocating my loans in ways contrary to what is listed in my monthly statements and payment schedule for the entire time I've had the loans. When I contacted them, which I have to do every month because the auto payments just happened to be allocated towards my lowest interest loans to have it adjusted to match what is in my payment schedule, they tell me that they have to put in a special payment request to do so, and often, this payment request is not honored and I have to contact them through their chat service to make an additional request to have it fixed. I repeatedly asked for proof that such request was being made and to understand why the payments weren't being allocated as suggested in the monthly statement or payment schedule, both of which are available in my portal, but they said that such requests were not accessible to me and they couldn't share any internal information. This was and is a huge burden to me to attempt to have my loans allocated towards the higher interest groups, or at the very least in the sums as stated in my original payment schedule or even the monthly statements. I repeatedly asked that my loans did not get " advanced due dates '' and almost always clicked the box to not advance due date ( once I figured out what that did ) when I made additional payments, yet, the loans still get out of sync. The secretive and nontransparent loan allocation process is always in Nelnets favor and to my financial detriment. Furthermore, the auto amount withdrawn monthly seems to be reduced at random times without my consent to push out the time frame I'm paying my loans and thus interest to them. I did not consent to this and again, is a non transparent action Nelnet takes that is in their favor and to my disadvantage. I feel like I have no control and that they are not accountable. I've paid on time always and I'm very attentive, which only means I see the re-allocations and have to spend much more of my time than I would like attempting to have it resolved. The lack of transparency and sneaky re-allocation drives me crazy. I don't see why this company should be allowed to profit when taking advantage of student loans in this way. I have documentation of some of my chats to prove that I repeatedly requested the allocations to be fixed because the portal overwrites whatever they've previously done. Again, no transparency.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: After graduating from XXXX XXXX 2013, I was accepted at XXXX XXXX University with XXXX GPA. One year and a half later, due to family medical issues, my parents had to remove me from XXXX XXXX University. I tried to into a community college, but due to our debts at XXXX XXXX, they would not release my transcripts. My Dad saw an ad from the XXXX XXXX XXXX, stating if a student enlists in this service, their loans will be paid, and they will receive a bonus after completing XXXX and XXXX XXXX. This turn out to be an outright lie. Now over two years in the XXXX XXXX XXXX, proper training for XXXX, have not been granted to me. The recruiter officer, advised me and my parents, I will get $XXXX per month for XXXX XXXX, my bonus of $XXXX after XXXX, and payment for my student loans, which never happen. So far it took one year for the XXXX XXXX XXXX to pay $XXXX, with most taken out in taxes. Six months ago, I sign up for XXXX XXXX XXXX in the XXXX and still waiting for my release papers. According to Nelnet, I have a student loan balance over $16,000.00.
Company Response:
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX System Account # XXXX ( XXXX ) XXXX a derogatory mark was placed 6 times for XXXX of XXXX Even though I was in XXXX with the United States XXXX and I told them I was leaving. XXXX XXXX # XXXX ( XXXX ) XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time forXX/XX/XXXX These were placed on my credit report even though I was placed in forbearance for a temporary pause in schooling.
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX XXXX, my student loan company, sent me an email saying they have given me two months forbearance on my loans due to natural disasters in my area ( mud slides and fires in XXXX XXXX ). I never agreed to this. I was not asked if I would want this. This would mean my loans would accrue interest without a payment made to my principal balance. I now have to call to be taken off forbearance causing me an extra step for something I did not ask for. This seems like a plot to make some money on people who are not closely monitoring their accounts. I have attached the email.
Company Response:
State: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: In XX/XX/, I retrieved a copy of my credit report. I noticed that the XXXX XXXX XXXXNelnet was reflecting that I was 90, 120, and 120 days late respectively for the months of XXXX through XX/XX/. I immediately began the dispute process with the credit bureaus. The responses were that these accounts were verified as accurate. To that end, I reached out to the Office of Consumer Advocate for student loans ( see attached letter ). My primary concern is that for all of these accounts in XXXX of XX/XX/XXXX, I was ok with my payment history, yet in XX/XX/ ( 30 days later ), they reported that I was 90 days late. How so? In my communication to Nelnet, I specifically stated that I keep all of my records regarding student loans and I take full responsibility of my obligations ; however, I would like them to investigate their reporting for a mistake made on their end. Further, I requested that they provide me copies of all supporting documentation that substantiates the accuracy of their reporting. To date, to no avail. It has been well over 60 days from my initial request to them and I am yet to hear anything from them. I sent my dispute/request for investigation letter to them certified with a return receipt, yet I have not received any acknowledgement from them. The entries are not inaccurate and appear to be unverifiable given that I have not heard from them ; therefore, I am requesting that the status of my payment history reflect that I was ok and current for the months of XXXX, XXXX and XX/XX/.
Company Response:
State: AR
Zip: 72315
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Account : XXXX I have a loan with XXXX which I presumed closed and paid in full in XX/XX/XXXX but I come to find out whilst filing my taxes this year that it is still open with a balance of {$770.00} with an extended due date of XX/XX/XXXX. When I made a lump sum payment of {$58000.00} on XX/XX/XXXX, at the time I assumed my loan was paid in full because this was the total amount and even if it wan'ts in full, I would not assumed that Nelnet would automatically EXTEND my due date so that I can unknowingly continue to pay interest until XX/XX/XXXX. Customer service informed me that I paid off the principle balance but neglected the interest, if I would of known I would off paid it off the following month when my statement comes but since they automatically extended the due date, I wouldn't have known unless I received an email stating that my tax documents was ready- which I usually ignore since I know that I paid off the loan in XX/XX/XXXX thus nothing to report on. This automatic due date extension is extremely deceptive. You can pay off your total amount due ( or what you presume is due ) but since interest is compounded daily, you actually wouldn't of pay in full unless you call and get the actual total for that day. I never consented to this automatic due date extension. My intentions when I paid $ XXXX in XX/XX/XXXXwas to pay off the total, not to have a lingering amount to help Nelnet accrue interest off me.
Company Response:
State: NY
Zip: 11228
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was approached online by the University I was assured by School Admit., If I were deemed by the state to be XXXX I would not be held liable for school. I kept up on all correspondence immediately upon receiving it forward it, over, and over, to Nelnet, then XXXX and spoke to many representatives, faxed information, and still I see the funds accruing. I was faced head on by my husband XXXX XXXX XXXX with my niece, in my own home, who was also attending school and I left my job to care for her baby girl, at the time she was XXXX with my husband became XXXX. I was forced out of the home, subsequently homeless, staying place to place, in my car ... I would have never attended the school if I wasn't assured & promised by the School, knowingly already applied for Social Security XXXX when they enrolled me at the school, I was told that I would not be held liable to pay for it if I was approved to receive Social Security, my earnings would be cut by 2/3. I am sick, frustrated, cant get a job, cant afford to get into my own home, cant afford an attorney to finish divorce. I am beyond words. HELP ME PLEASE!
Company Response:
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A