CFPB Complaint

NELNET, INC. – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-12-20T00:00:00.000

Product: Federal student loan debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I am sending Nelnet Loan Services this notice to inform you that under my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting VALIDATION of the account.

Please note : I am not requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence that I have a legal obligation to pay you.

Please provide the following : 1. Detail of what the money you say I owe is for 2. How the amount you claim owed was calculated 3. Verify that the legal statute of limitations is still in effect 4. Copy of your agreement with the original creditor 5. Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) 6. Provided a copy of any judgment you have received, if applicable 7. Identify the original creditor 8. Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent Please ACT IMMEDIATELY as I am sure you are aware that reporting invalidated information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue your collection issues.

If any negative information is found on my credit file without this account being first validated, I will be forced to contact both the Federal Trade Commission and state agencies and PURSUE LITIGATION for violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. I WILL ALSO FILE SUIT FOR DEFAMATION OF CHARACTER.

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Once you have provided me with the above referenced information, I will need at least 30 days to investigate the information you provide. During this time, you MUST CEASE AND DESIST from all collection activities.

If you do not respond within 30 days, the above referenced account must be deleted from my credit files. Please send me evidence of this deletion.

Further, please accept this letter as constructive notice that all future correspondence be handled in writing. All telephone communication must cease immediately, including automated phone calls and email.

Company: NELNET, INC.

State/Zip: FL 34753

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3106039

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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