Date Received: 2022-09-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Account : XXXX XXXX XXXX XXXX Account : DEPT OF ED/XXXX XXXX
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I called NelNet on XX/XX/27 to ask for a refund of payments made on my account during the pandemic per the CARES act law. Customer service told me they would submit a written request and I would see a check in the mail in 4-6 weeks. On XXXX I received and email from nelnet saying my refund was denied due to missing information and to email support or call for more information. I emailed them back and it came back as invalid and I noticed the email address they provided me was not spelled correctly. I fixed their spelling error and asked for more info, to which as of today, they have not replied. I called NelNet on XXXX for clarification and they told me they forgot to get verbal confirmation to reinstate my loans and would submit another request. I asked if that would start the process again. They said yes and that I wouldn't be notified if it was processed for another few weeks. She said this has been happening for a lot of people. NelNet seems to be purposely delaying getting people their refunds and have not been following the correct protocol in completing these requests.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I took out a student loan back in XXXX that was written off in XXXX and closed by the US Department of Education. The balance was erased and everything was reported accurately to the credit reporting agencies until XXXX I recently checked My XXXX credit report and the loan is appearing as three separate loans which is incorrect and violated double jeopardy laws in place to protect consumers from inaccurate credit reporting as per the Fair Credit Reporting Act. I have attempted to contact the lender but since its a loan I was informed that XXXX should be contacted.
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including Nelnet. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: PLEASE REMOVE ALL ACCOUNT INFORMATION. ALL ACCOUNT LISTED ARE UNAUTHORIZED. I DID NOT RECEIVE ANY GOODS OR SERVICES FOR ANY OF THE LISTED ACCOUNT REMOVE AS SOON AS POSSIBLE. XXXX XXXX {$590.00}, XXXXL XXXX {$3300.00}, XXXX XXXX {$1800.00}, XXXX XXXX {$2000.00}, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX {$19000.00}, DEPT OF EDUCATION/ NELN {$90000.00}. REMOVE ALL ACCOUNT. THESE UNAUTHORIZED ACCOUNT IS DAMAGING MY CREDIT. PLEASE REMOVE THESE ACCOUNT FAST PLEASE REMOVE
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I called and talked with Firstmark customer service a few weeks ago about military benefits ( Servicemembers Civil Relief Act ). I told customer service that I received an e-mail that stated, " XXXX XXXX is not indicated in orders. Please provide your most recent XXXX XXXX orders for secondary review ''. I explained the situation and told them where they could look for the words XXXX XXXX on my orders. I ended up getting put on hold several times for the duration of an hour. Every time I was put on hold there was a different explanation. I was told that I had to be current XXXX XXXX, but when you look at the website it states, " If you are currently serving or have served on XXXX XXXX ''. Then I eventually got hung up on. I called back and talked, to another customer service rep and was told to resend my orders and highlight the part that says XXXX XXXX. I sent my highlighted orders and a screenshot of their website. Its been over a week and still no response. On XX/XX/12, I called Firstmark Services to follow up on what was going on with the response to my Servicemembers Civil Relief Act, and was told that I had to be currently on XXXX XXXX, which is not what their website says.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My servicer is Nelnet, formerly Great Lakes. My loans are FFEL. I have worked for a non-profit entity ( XXXX XXXX XXXX XXXX ) for 10 years. A few years ago I inquired about PSLF. I was given very misleading information at the time, suggesting my loans did not qualify for PSLF, my employer might not qualify, and that I would get a higher interest rate if I consolidated. All of that seemed very intimidating, and so I let it go. I got a letter this summer stating that my loans likely would qualify for PSLF, so I started looking into it again ( I did not save the letter and I can not remember who it was from ). Now, DOE 's website is better. After some time, I came to understand I would need a direct consolidation loan, which is a misnomer for my one loan, and then I would qualify for PSLF. The problem is that I have already overpaid by tens of thousands of dollars, including during the Covid years for which federal student loan borrowers owed no payments. I contacted Nelnet today to ask for a refund for all future payments made, as I have paid many years into the future. I was told my loans did not qualify for a refund. Again, I was given misleading information because I was told FFEL loans do not qualify for PSLF. I was again told that to consolidate under the federal loan program would increase my interest rate and that there was no guarantee of forgiveness. All of these statements are intended to mislead borrowers into not consolidating FFEL loans, and not seeking loan forgiveness. It is shocking that Nelnet can still engage in this deceptive practice. I have FFEL loans. Nelnet knows my employer, and knows it qualifies. Years ago this servicer of federal student loans had a duty to notify me that my employer qualifies, and to tell me it was in my interest to consolidate. They should not have given me information intended to mislead, or to make me continue paying on loans that would not " count '' and which are not eligible for Covid relief or refund. I am a middle class American who works for a non-profit. The amount of money I've wasted on student loans that should have been forgiven is a tremendous amount of money I could have used for my family, for my kids, or to improve our standard of living. The fact that the federal government is complicit in this process, by allowing Nelnet to profit from these statements, is really discouraging.
Company Response:
State: TX
Zip: 78230
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: The choices offered in your form to get me to this section do not really apply ( nor does my response after this about Nelnet as Nelnet has nothing do with this scam ) but I had to click on something. I was told to file a complaint with you by the Student Debt Crisis Center. I recently received a phone call from a woman named XXXX saying that she worked with " student debt '' at " education '' and that my deadline was coming up fast and she was holding my file open for a while to call her back asap. When I called I got a man and he asked for lots of info including the last four digits of my SS #. Then he seemed to have ALL my information, including the amount I owed ( my loan is currently on hold and in default ). He said that based on my age and the time I had paid that all but {$3100.00} would be forgiven, that I would pay online for four months - XXXX, XXXX, XXXX, XXXX @ {$190.00} and then from then on XXXX on I would pay {$10.00} for 240 months. It all sounded legit until they asked for my credit card. I hung up. The phone number ( I still have the original message ) is XXXX and in the message it says to opt out call XXXX. I never called that number. This is clearly a scam and it is repugnant and disgusting since so many of us are desperate to get relief for our loans. I am XXXX so clearly praying on older folks.
Company Response:
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Please allow each number provided in the attachment dated XX/XX/XXXX2022 as a reply to the electronic response provided by XXXX XXXX XXXX who is not an authorized representative of Nelnet Loan Services ) # XXXX On XX/XX/XXXX2022 I filed a complaint against Nelnet Loan Services, within my initial complaint I stated Nelnet Loan Services is not an honorable company due to proof of my certified letters to this company being ignored. XXXX XXXX ( Please be advised that I requested an authorized representative of Nelnet Loan Services ) after calling the number provided by XXXX XXXX There is no employee by that name currently employed at Nelnet Loan Services XXXX was thankful for the opportunity to respond to my complaint with the CFPB but will not provide proof that I was properly notified by mail. I have proof of XXXX XXXX mail with certified return receipts, signatures, stamps, proof of tracking, and proof of my current address. NOTE : ALL documents provided by XXXX XXXX XXXX not an authorized representative of Nelnet Loan Services ) is not my current address. # 2 Please prove that I was honorably allowed the right to prove this debt does not belong to me. As I stated before this debt was transferred several times XXXX ( XXXX ) times to be exact. Within the questionable documents provided by XXXX XXXX XXXX who is not an authorized representative of Nelnet Loan Services ) provided no accurate contact information and stated the Holder in Due Course WAS Nelnet Academic Loan ( EFS ), XXXX XXXX XXXX XXXX XXXX ( XXXX ) Consolidation Loan under account # XXXX, XXXX Assistance under account # XXXX, XXXX Department of Education ( XXXX ), XXXX XXXX under account # XXXX, XXXX Default Resolution Group ( DRG ), XXXX XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX not an authorized representative of Nelnet Loan Services ) did not provide any addresses to contact any of above-mentioned businesses making it extremely difficult for communicating honorably. Documents provided by XXXX XXXX XXXX not an authorized representative of Nelnet Loan Services ) prove that all above-mentioned companies are not Holders in Due Course as proven with copies of my name and not my signature handwritten by myself. # 3-4 Today is XX/XX/XXXX and I have yet to receive a valid reply such as what is attached by mail. Is there any valid reason why my letters sent directly to this company was ignored? I would like for Nelnet Loan Services to prove that I received any goods or services from them. Nelnet Loan Services is the only company currently reporting 2 accounts with the same open dates and two different original balances to my credit file while admitting NOT to be debt collectors under the FDCPA. ( According to the reply from XXXX XXXX XXXX who is not an authorized representative of Nelnet Loan Services ) # 5 The questionable Promissory note provided by XXXX XXXX XXXX not an authorized representative of Nelnet Loan Services ) is in-fact not accurate, there is no proof of any contractual agreements with any party listed above. Please provide the original promissory note so that I may properly inspect it and honorably resolve any issues regarding this matter. Also include all tax documents to support all above-mentioned companies are in compliance with the IRS. XXXX XXXX XXXX not an authorized representative of Nelnet Loan Services ) stated We redacted your identity sensitive information ( Social Security number, Drivers License number, and date of birth. ) I would like the name of the authorized representative who participated in sharing my private information also. # 6 The electronic signatures in XXXX and National Commerce Act passed in XX/XX/XXXX. This does not apply to debt collectors attempting to collect a debt on behalf/contractors of someone/their client. Again, I am respectfully requesting the original promissory note so that I may inspect it as I have not provided my signature electronically to any of the parties listed above. Please be advised : Nelnet Academic Loan ( EFS ), XXXX XXXX XXXX XXXX XXXX ( XXXX ) Consolidation Loan under account # XXXX, XXXX Assistance under account # XXXX, XXXX Department of Education ( XXXX ), XXXX XXXX under account # XXXX, XXXX Default Resolution Group ( DRG ), XXXX XXXX XXXX XXXX, and XXXX XXXX are NOT HONORABLE HOLDERS IN DUE COURSE. # 7 Please provide the original promissory note so that I may inspect it as I have not provided my signature electronically to any of the parties listed above. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not a Holder in Due Course. Provide the Master Promissory Note ( MPN ) NOTE : I do not self-identify as a borrower. ( the term used to harmfully identity me ) Provide the contract agreement between myself and Nelnet XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX ) Consolidation Loan under account # XXXX, XXXX Assistance under account # XXXX, XXXX Department of Education ( XXXX ), XXXX XXXX under account # XXXX, XXXX Default Resolution Group ( DRG ), XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IVE ENTERED IN TO A CONTRACTUAL AGREEMENT. ( I respectfully request the original contractual agreement to prove an actual HOLDER IN DUE COURSE. ) # 8 I have not taken any action ( s ) that constitute the acceptance of the alleged repayment obligation. This can be proven otherwise by providing the original promissory note so that I may inspect it as I have not provided my signature electronically to any of the parties listed above. # 9 XXXX XXXX XXXX not an authorized representative of Nelnet Loan Services stated We carefully reviewed your account Please provide ALL original contracts/promissory notes via US Postal Mail to support your authorization/obligation to ensure the data furnished by Nelnet XXXX XXXX XXXXXXXX XXXX to the credit reporting agencies is accurate. NOTE : Nelnet Loan Services is the only company currently reporting 2 accounts with the same open dates and two different original balances to my credit file while admitting NOT to be debt collectors under the FDCPA. ( According to the reply from XXXX XXXX XXXX who is not an authorized representative of Nelnet Loan Services ) ALL other companies listed by from XXXX XXXX XXXX who is not an authorized representative of Nelnet Loan Services ) is not reporting to my credit file. # 10 Nelnet Loan Services Inc will receive an honorable validation notice via XXXX XXXX mail, certified with return receipt. Please be advised I will not accept phone calls from any of the companies listed above due to the unprofessional mishandling of this alleged debt. I will keep all parties updated. Nelnet Loan Services Inc is the only questionable company currently reporting to my credit file as shown in the attachments.
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.
Company Response:
State: TN
Zip: 38138
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A