Date Received: 2018-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XX/XX/XXXX and XX/XX/XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XX/XX/XXXX. I remained in Forbearance until the loan was consolidated. Details : I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But nelnet refuse to take actions to correct this issue.
Company Response:
State: TN
Zip: 37206
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-09
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XXXX, I called NELNET and requested a pay off amount/statement. They only provided me with the balance of {$130000.00}. This information was given to XXXX XXXX, the new company who was taking over my loan, and paid off the amount in about 30 days. On XXXX, I received communication from NELNET they received this payment, but I still owed them {$810.00}. The Account Manager at NELNET admitted they conducted business wrong, but could not write off the amount owed, only the Dept. of Education. I called the Dept. of Education and spoke to a supervisor, who said that was not true and NELNET had the ability to forgive the amount owed. I filed a compliant with them, report # XXXX. I also field a complaint with OMBDSMA, case # XXXX, but the investigation will take 60 days. On XXXX, I called NELNET back and spoke to another supervisor and explained this new information. The supervisor told me they did an internal investigation, listened to my recorded phone call from XXXX and I was still responsible for the interest amount owed and had to pay it based on my signed Promissory Note. I asked the supervisor for a copy of their investigation and phone call and was not provided anything, other than an e-mail that the matter was looked into and I was responsible, even though they admit to the business error. I have no idea who is telling the truth, NLENET or the Dept. of Education and am asking for the interest owed to be forgiven. In my opinion, this is a form of theft, as they have no supporting evidence and are trying to get more money out of me. Also, interest is still occurring daily at the rate of XXXX cents a day. Please help me.
Company Response:
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of Education/Nelnet is in violation of Section 623 ( a ) ( 2 ) of the FCRA. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. , Department of Education/Nelnet representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of Education/Nelnet to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of Education/Nelnet accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/Nelnet, both as they actually existed and as Nelnet has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. In the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates. XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
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: Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: To whom it may concern : Nelnet is harassing me and using false information to collect on my student loans. I have been on the Total and permanent XXXX program since XX/XX/XXXX and was supposed to be done with the 3 year monitoring program as of XX/XX/XXXX. I did everything I was supposed to do to be qualified for the program. And for the first two years everything went smoothly. However, two months after I was supposed to be off of the program I received a letter on XX/XX/XXXX telling me that my loans of {$71000.00} were being reinstated because my employment earning exceeded the {$16000.00} limit for the time between XX/XX/XXXX to XX/XX/XXXX. This is false and they have been harassing me and threatening my credit history, earning wages and that the loans would be reinstated as of XX/XX/XXXX. I asked them several times how much I supposedly went over and they refused to give me answer except for sending me an equation on how they came to the determination that I was over the limit. They also, told me they were determining the amount on future wages I had not errand yet. Which by law they can not use future erranings that I have not made against me. For the whole year of XX/XX/XXXX I made a total on my XXXX of {$11000.00} and if you divide that by half it is only {$5900.00} because they are only using the XXXX from XX/XX/XXXX to the end of XX/XX/XXXX. And if you take my wages errand from XX/XX/XXXX until XX/XX/XXXX I errand {$9900.00}. This gives you a grand total of {$15000.00} and the last time I checked this is under the {$16000.00}. When I contacted Nelnet their answer was that I could apply again for the XXXX XXXX XXXX XXXX program and be monitored for another 3 years! I told them that I 've done what they asked and that my loans should have been discharged and forgiven and that I did not have to reapply for that reason. They refused and refused to give me any information on how to appeal the decision or the amount I supposedly made that put me over. So, my first payment of {$550.00} is due on XX/XX/XXXX and the bill I received stated that I owed {$45000.00}. However, I signed into Nelnet on XX/XX/XXXX and it states that I owe a total of {$71000.00} and that my first payment due on XX/XX/XXXX is {$830.00}. The amount continues to change and the payment amount continues to change. How do they expect someone who is on SSI XXXX and works part-time to pay {$830.00} a month? That is almost all the money I make in the month. I am barely feeding myself and keeping gas in my car but, yet they feel I 'm making more than enough to pay back almost {$900.00} a month. I have no means or way to pay them back and I have a letter from my XXXX doctor stating that I will never be able to function normally to the point that I can hold permanent full-time work. Also, SSI has stated that in the last review of my case that nothing has changed with my status of XXXX and that it was not going to change in the future due to my XXXX. Nelnet is placing an undue hardship on me. I am currently seeking the advice of a Student loan lawyer in this matter due to the undue hardship they are putting on me. I was told that I should contact the CFPB in this matter first however, if they continue to refuse to not discharge my loans. And continue to harass me, destroy my credit or try to go after my wages then I have no choice but to declare bankruptcy and ask for a special Adversary hearing with a Judge. Nelnet XXXX program cares nothing for the people they monitor and they look for any reason to reinstate you.
Company Response:
State: TX
Zip: 77840
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I submitted a IDR renewal request in late XXXX and was notified by the loan servicer ( Nelnet ) on XX/XX/XXXX that they had received the request. I followed-up with a call to make sure everything was in order. I then received a letter the first week of XXXX ( dated XX/XX/XXXX ) that they needed additional information to process the request. However, when I called to speak to customer service, they said I needed to fill out the IDR request again and that there was no record that they had received ( despite having sent me an email confirming receipt of that request ). Given the loss of documentation and delays on their end, I doubt they will be able to resolve this before the XXXX deadline ( and I will thus fall out of the IDR payment plan and have to reapply ).
Company Response:
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2018-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XXXX I registered and enrolled in a XXXX XXXX XXXX program at XXXX XXXX. I was not a high school graduate nor did i have a G.E.D. I was very excited because at the time that was not a requirement or barrier in enrolling for the program. All they required is that I take some sort of test to prove that I was at required reading and writing levels to attend. I passed the test with no problem. I was so excited being a young single mom with an opportunity to start a career path. My student loans were approved. I started school but unfortunately had to drop out after a few months because I could n't find child care for my daughter. And could n't afford to pay any fines or payments back on my loans because I was not working and on public assistance receiving Cash Aid and receiving food stamps to take care of my daughter. A couple years had gone by and it was time to enroll my daughter in pre-school. I thought this would be the perfect opportunity to go back to school and finish what i started a couple of years ago. So I contacted the school and had to jump through hoops to get back in but I did everything that was asked of me. Paid a {$400.00} dollar fine and got 4 letters of recommendation from people I knew. And I wrote an Letter and Essay on why I thought i deserved another chance. Once again I was given a huge hug by the Dean and she told me how proud she was of me and I started Class a week later. One evening when i had gotten home i recieved a call from the school reminding me that i needed to bring in a copy of my diploma or GED to keep on file for their records. I explained to her that must be some sort of confusion. The next day in class the Dean pulled me out of class and told me that their policy had changed and they overlooked it in my file. And that I had two months to take my G.E.D and show proof in order to continue taking the class and stay enrolled. I became so discouraged that After a week I never went back to class. And here it is 8 years later and the government is garnishing my tax refund.
Company Response:
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-05
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: They do n't offer financing options for my financial situation. I think they look at income and do n't consider expenses. I am working 2 jobs just to pay my rent and they somehow think I can make about {$500.00} For 2 separate loans. My loans continues to be delinquent as I can not afford these paynents. This is a car payment and the interest keeps accumulating. I can not get ahead if I tried. I feel like I will dir with this debt. And it continues to affect my credit. I can not get a job making more money because in my industry companies pull your credit report. I feel stuck like a rat on a wheel.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXXI requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of NELNET. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A