GREAT LAKES

2017-11-07

Sugar Land, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-06

Bellview, FL

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-04

Orion Twp, MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have had a loan in forbearance with Great Lakes Higher Education for about a year or more now. I am at a point where I can start making payments as I have recently become steadily employed and want to start paying these loans off. I have reached out to the servicer on multiple occasions to make a payment as I have a high amount of interest that has already accrued on the account I have. They keep asking me for my personal bank account information or telling me to go open a checking account somewhere as they will not accept credit card payments. I have a valid credit card I can pay with and I 'm not comfortable giving anyone direct access to my savings account ( I do n't have a checking account ). I have no other method of paying my student loans other than through a credit card. All I want to do is make a payments until the loan balance is paid off. There seems to be no flexibility at all on this and if I knew there were stipulations to getting my student loan that it can only be paid off with a direct link to some kind of a bank account at this point I would have just foregone my education entirely because now its likely going to ruin my credit and keep piling on interest. Any and all help would be greatly appreciated! Thanks so much!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-03

Canton, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-03

Hinsdale, IL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I am looking to pay back the original loan amount that I took out to attend XXXX school ( {$170000.00} ). I have paid {$36000.00} over the past 4 years and the loans continue to increase every month. Again I have a lender that is willing to pay the {$170000.00} for me right now but I need help in making this happen. The interest rate they are offering me is extremely low and will help both my family and I. The loan company has made {$36000.00} from me in the interest I have paid them. I am currently on the IBR plan which takes 15 % of my income for my payment. If I were to lose my job they would n't receive any money at all. It just really seems criminal that the government can continue to take money from people and the balance continues to increase!
Company Response: Closed with explanation

Timely Response

2017-11-03

Taft, OH

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Complaint: I have been paying on a student loan from Great Lakes Higher Education for 28 years. I have records of all my payments which totals {$57000.00} The original loan was {$17000.00} on XXXX XXXX 1991. They say that I still owe {$38000.00}. They are going to take my tax refund and garnish my wages very soon if action is not taken. I have repeatedly written letters, applied for XXXX Forgiveness with no results. They have turned the loan over to a collection agency ; XXXX XXXX XXXX which I have also written and received the same reply, that I still owe the money in question. PLEASE HELP!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-02

Plymouth, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: XXXX XXXX, XXXX, XXXX and Greatlakes reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-02

Henrico, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-02

Sarasota, FL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-01

Cornelius, NC

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have been a XXXX XXXX sworn XXXX XXXX XXXX since XX/XX/XXXX. I completed a XXXX in XXXX in XX/XX/XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( education services ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX, and finally XXXX. I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as XXXX XXXX did not adequately relay this information to me and talked me into the consolidation. I have just about all of my loan statements. I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an MD.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-31

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-30

WV

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX ( XXXX ) XXXX COMPLAINT AGAINST : VIOLATION : Great Lakes FAIR DEBT COLLECTIONS PRACTICES ACT XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX LIABILITY SECTION XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX CONSUMER FINANCIAL PROTECTIONS BUREAU, I am reaching out for some help. Here is my complaint. Great Lakes is in violation of the FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ). I have requested that Great Lakes provide me with an original version of the Master Promissory Note in its complete and original form for a debt that they claim I owe them. I have requested this item via certified mail with return receipt, fax with receipt, email, and phone calls. My first communication was sent on XXXX. They have sent me a copy of a signature page with a signature that looks like my signature, but I do not recognize the document nor do I remember ever signing it. The rest of the document is missing. Great Lakes cant find any of it except the page with the signature. Basically they have one sheet with a signature and no pages with any identifiable details on it. They are trying to make me pay them over {$7000.00} with a promissory note that is missing sections A-D and has no identifiable data with it or any terms to an agreement. They refuse to send a letter of deletion to the bureaus even though they do not have a complete contract and the paper that they do have, does n't have any details like address, DOB, Social Security Number, Name of School Attended, Loan Amount, ect. They only have a page with a signature. I am asking for help because I feel like this business has violated the FDCPA by not providing sufficient documentation and not removing the account from my credit report after I have sent various requests in several forms for them to either provide sufficient proof of the debt or remove the account. Instead they have decided to stick to their guns and claim that the page they sent me is sufficient proof. I have sent the page of the promissory note that they sent me. They have told me that they do not have the rest of the contract. I spoke with an attorney today and showed them the document and the attorney told me that the page they sent me is a legal document but it would not hold up in court because it does n't have any information or terms. I have repeatedly asked for the rest of the document and they have repeatedly refused to do anything. I have a ton of documentation of my conversations with them in the form of certified letters, fax, phone, email, and etc. I have attached just a few to give you an idea of what I 'm dealing with. Please help me resolve this matter and clear my name and my credit worthiness. If you need anymore details, then please ask. Thank You, XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-26

Tampa, FL

False statements or representation

Debt collection: Federal student loan debt

Impersonated attorney, law enforcement, or government official
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-26

Mountain View, OK

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: Just the beginning of this year I have received numerous emails from Great Lakes about my student loan is due. I have emailed them and called them letting them know I am still in school and have been since XXXX. Just today, XXXX XXXX, XXXX I received a letter stating my my forbearance has been approved and payments will start up again in XXXX. I have had this problem with them every year
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-25

Arco, CA

Incorrect information on your report

Student loan: Federal student loan servicing

Information belongs to someone else
Complaint: We are filing a lawsuit in the amount of XXXX $ against Great Lakes if they do not remove the accounts from the Credit Bureaus. They have failed to provide information proving ownership of the account and have not removed the account as it is Identity Theft from the credit Bureaus. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) XXXX. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ) You have VIOLATED FDCPA LAW for both and I will be filling proceeding with this lawsuit if you do not REMOVE THE ACCOUNTS FROM MY CREDIT REPORTS. IF YOU REMOVE THE ACCOUNTS I WILL DROP THE LAWSUIT
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-25

Bellaire, TX

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Complaint: The account with XXXX XXXX XXXX is on all 3 of my credit reports reporting negatively as if I have made late payments? The payments were never late. The account was always in deferment status? I have asked them to show me proof of an actual payment being reported late? They can not because I was not required to make a payment on deferred account. The account is being reported at 90 and 120 days late but never was reported at 30 or 60 days late? I called them today to ask about receiving proof again, they said they no longer have my account and it is being serviced by great lakes? I asked them why are they still reporting this on my credit report? XXXX asked that I give Great Lakes a call but Great Lakes is not reporting me as having a negative student loan on all three credit bureaus with late payments. I want this account removed from all 3 of my credit reports XXXX XXXX XXXX Balance {$62000.00} Account # XXXX ssn # XXXX Dates of delinquency : XX/XX/XXXX and XX/XX/XXXX. Being reported as late for 3 years.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-24

Washington, DC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I attended this school unaware of accreditation and was making payments and found out the school had lost accreditation in 2002
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-23

Tampa, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-23

Brandywine, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-23

Maplecrest, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2017-10-23

Folsom, CA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-22

Del Sur, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: [Letter # 4] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *** {
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-22

Somerset, KY

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX Kentucky University and XXXX XXXX XXXX. Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. According to the FCRA if ANY Company falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-20

Tarzana, CA

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Complaint: After getting married in XX/XX/XXXX, I merged bank accounts with my husband in XX/XX/XXXX. That same day, I updated my bank account information on the Great Lakes website ( Student Loan provider ) in order for them to continue to withdraw money on a monthly basis ( auto pay ). In XX/XX/XXXX I logged on to the Great Lakes website, and found out that they never processed the change in bank accounts ; and thus they did not withdraw any payments for the months of XX/XX/XXXX-XX/XX/XXXX. Once I realized they had not collected any payments, I paid the full amount right away. However, they had already reported me to the credit bureau, and stated that I was " late '' in my payments for over 120 days. I tried contacting Great Lakes and the Department of Education several times, and appealed the negative credit marks stating that was an error on their end. Despite my clean payment history for over 5-7 years, the request was denied. It 's worth mentioning that no calls, letters or emails were sent to me notifying me that no payment had been made on my behalf. That would have alerted me that there was something wrong. I then proceeded to hire XXXX XXXX so they could help me clean my credit and solve this situation. Appeal letters have been sent over the past several months, but nothing has been done by the Department of Educations. This technical error on their end is costing me a low credit score ( that for so many years I so carefully built ), and it is currently impacting my qualifications to purchase a home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-20

Urbandale, IA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Complaint: THIS IS IN REFERENCE TO MY ORIGINAL COMPLAINT WITH GREAT LAKES # XXXX, I am appealing their decision based on the letter I received yesterday from them.. I '' m attaching documents that is already received by Great lakes but am emphasizing details on the documents. I do understand I 've submitted +2000 pages if not more to Great Lakes and it 's not easy to follow. All complaints I 've submitted to the CFPB which are stated below are all connected and related to my Identity theft which originated in XXXX XXXX or XXXX, ia XXXX. Which the 3 financial institutions in XXXX are XXXX XXXX, XXXX, and XXXX XXXX, and all are still pending an open investigation by the FBI and SEC. I '' m restating that all cases or investigation can not be closed until FBI and SEC Concludes their investigation into my Identity theft which started in XXXX and is still continuing to this day. XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) GREAT LAKES Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan 3 ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number XXXX Date XXXX XXXX ) XXXX XXXX Complaint number ; XXXX Date submitted to CFPB : XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX XXXXOPEN Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response