Date Received: 2021-11-16
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I have been receiving continuous harassing phone calls, voicemails, and emails from Nelnet. Prior to XXXX I was current on my loans services through Nelnet. I was enrolled in auto-debit and never missed a payment. Of course when XXXX hit all federal loans were paused through this year. Now that the loans are ( as of now ) supposed to be active again in 2022 Nelnet has been harassing me to start paying again. Whether or not the loans are due again next year does not matter, as it stands now the loans are currently paused by the administration. Nelnet should have no right to contact me, especially in a harassing way as they have been. I have uploaded proof to back up my complaint. Please contact me as soon as possible.
Company Response:
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Dear Sir or Madam, 1. NELNET LNS Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as wells 150 days late on XX/XX/XXXX. I immediately disputed this information with NELNET LNS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: TX
Zip: 75061
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my third notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. Furnishing this information without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and FCRA you are still committing FRAUD by using my personal information and sharing it with third parties ( XXXX, XXXX, XXXX, and XXXX ) without my PERMISSION OR CONSENT which is a violation. Pursuant to 15 USC 1681a you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. Pursuant to 15 USC 1681a, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. This is also an adverse action to me as a consumer and needs to be remedied immediately. By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. I asked that you remove all student loans from all third-party credit reporting agencies immediately. I will also be sending a letter to the FTC for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I never received a " True Bill of Commerce ''. I have not entered into any contracts with this entity.
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I, XXXX XXXX, consumer and natural person took out a student loan on XX/XX/XXXX in the amount of {$2000.00}. That amount was consolidated in XX/XX/XXXX. The account is reporting negatively to the consumer reporting agencies.
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: RE : REQUESTING COPIES OF PROMISSORY NOTES FOR THE XXXX XXXX TO PAY FOR MY STUDENT LOANS TROUBLE OBTAINING COPIES OF MY PROMISSORY NOTES I obtained a private student loan from XXXX XXXX to attend college. XXXX XXXX left the student loans market and sold its student debt loans to Firstmark Services. I joined the XXXX XXXX. The XXXX XXXX requested my loan information, copies of my promissory notes. For the purpose that the XXXX XXXX would pay for my student loan debt. I began calling Firstmark Services in XXXX and continued calling till XXXX of XXXX requesting copies of my promissory notes. I received no answer from Firstmark Services during those months nor any copies of my three promissory notes. In XXXX of this year, I had to get in contact with the XXXX XXXX XXXX XXXX to assist me in getting copies of my promissory notes. With the clinics assistance, I sent Firstmark Services several formal letters requesting for copies of all three of my promissory notes starting in XXXX. I sent Firstmark Services a formal letter requesting for copies of my three promissory notes on XX/XX/2021. Firstmark Services emailed me on XXXX of XXXX explaining to me that on the XXXX, copies of my master promissory notes were sent to my mailing address on file. On XX/XX/XXXX, Firstmark Services sent me only two out of the three copies of my promissory notes. I again emailed Firstmark Services requesting a copy of the third promissory note that was not sent. Firstmark Services then emailed me a copy of one of the promissory notes that they had already sent on XX/XX/XXXX. On XX/XX/XXXX, I sent Firstmark Services again another formal letter requesting a copy of my third missing promissory note. On XX/XX/XXXX, I again sent another formal letter to Firstmark Services requesting a copy of my third promissory note. Firstmark Services then sent me a excel sheet of my student debt. On the XXXX of XXXX, I called Firstmark Services and a representative from Firstmark Services said that the third copy of the promissory note that I have been requesting is not in the Firstmark system. The representative further said, I do not know why they sent you the excel sheet of your student debt, when that is not what you requested. You requested a copy of the third and final promissory note. For ten months, Firstmark Services has been completely unresponsive for my very simple request to obtain copies of my promissory notes to give to the XXXX XXXX. I lost ten months of time that the XXXX XXXX would have paid for my student debt. During all of this, I am paying for all my student loans out of pocket. Add to all of this, originally my student loan payments were {$420.00}. Now my payments are {$620.00} a month. During all of this, my payments went up and lost time that the XXXX XXXX could have been paying for my student loans. Moreover, Firstmark Services does not have a copy of my third and missing promissory note. Firstmark Services not giving me a copy of my third promissory note has caused me such financial hardship and distress. I have paid close to {$3000.00} on a loan that I can not even get a copy of. Further, the interest was originally 3 % and now it is 11 %. I am paying for a loan that does not exist on file and this has caused me tremendous financial hardship. This also has caused financial hardship on my family because my father was a cosigner on these loans. I am being held hostage to pay for a loan that is not even in Firstmark Services system because if I dont pay my credit will be hurt.
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This is a follow up to the complaint I submitted on XX/XX/2021. Despite me making a payment on that date, Nelnet continues to show my account as past due. My payment is due on the XXXX and I logged in on XX/XX/2021 to make a payment and my account is showing past due and when I select the link to make a payment, I get an error message. I have screenshot both the past due message and the error message, attached. Prior complaint number : XXXX.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been disputing 6 fraudulent Accts on my XXXX credit report for 3 years. Below are name and amount of accts. Dept of Ed/Nelnet {$3000.00} Dept of Ed/Nelnet {$1400.00} Dept of Ed/Nelnet {$4300.00} Dept of Ed/Nelnet {$8400.00} Dept of Ed/Nelnet {$4600.00} Dept of Ed/Nelnet {$10000.00} I have sent notarized letter to Nelnet , copy of SScard, picture of ID so they could analyze my signature, Police report to XXXX and Nelnet to prove Identity theft and these accts still remain . These accts are NOT mines please remove.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
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: On XX/XX/2021, I sent a letter to Nelnet, again, regarding three accounts that are reporting on my credit report from them. I was writing to notify them that they are reporting inaccurate and/or incomplete information in my credit report which is misleading and hurting my name and affecting my consumer rights!. However, on XX/XX/2021, ONLY 4 DAYS LATER, they sent me a letter stating that they are not complying with the investigation. THIS IS THE SECOND TIME THEY DO THIS! They must cooperate because these accounts are inaccurate, inconsistent and non metro 2 compliant! They start of by stating, " your request can not be adjusted because the dispute is incomplete, invalid or a goodwill* request ''. THIS IS FALSE. My letter to them was complete, valid in accordance to the FCRA and it was NOT a goodwill request. They continue by stating, " under the FCRA, data providers are not required to investigate certain disputes received directly from consumers. For reference, examples of those instances include : - a request submitted by a credit repair organization .... - a request in which the consumer has not provided sufficient information... - a credit dispute that is... the same ... '' 1. I AM NOT A CREDIT REPAIR ORGANIZATION. 2. I provided them EXACT information about exactly what is incorrect and inconsistent with my credit report. I even notarized it with my local bank. 3. I DID NOT SENT THEM THE SAME DISPUTE. You will be able to attest to this as I will be linking what I sent them.
Company Response:
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received communication from Great Lakes in regards to a student loan obligation. I am requesting information to validate proof of claim to the alleged obligation. See attached
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A