NELNET, INC.
Consumer Complaints
There are over 3518 complaints on file for NELNET, INC.. Dated between 2019-12-10 and 2012-03-07.
Complaints Page 21
2019-05-09
Okc, OK
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Hello, I have been making monthly payment with XXXX XXXX on time to get my Loans out of default and im currently on rehabilitation. This week i get an update via XXXX XXXX that my payment history was reported as Late which caused an 82 point drop in my credit score. The previous week my balance was decreased and negative payment history was removed. I spoke with XXXX from the department of education and was advised they don't update any payments when they are in default and to contact the Credit reporting. Not sure what is going on but i need this to be updated and corrected.
Company Response: Closed with explanation
2019-05-09
Grangeville, LA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I wrote a letter to nelnet on ( XX/XX/ ) trying to see how i was late on my student loans. I even asked for signatures as well as proof so i can verify this against my credit score. They stated that it was verified even though they did not send me anything that i can see that it was valid. These late payments are hurting my score and my credit worthiness. Please see attachments for the letter i sent, I sent it certified mail and here is their reply. The reply is not appropriate because they did not send me any documents that answer my questions.
Company Response: Closed with explanation
2019-05-08
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I've been consistently paying on my student loan for years but the balance continues to go up. I've started keeping detailed spreadsheets at the end of XXXX so I can understand how the balance is working. I have a lump sum auto-debited every month which has been getting applied across all the loans. In addition to the monthly payment I've been making extra payments and knocking out loans one by one lowest balance to highest. Note that I currently have 12 loans left with Nelnet each with different interest rates and payment amounts. When I checked my balance at the end of XX/XX/XXXX the overall balance was just under {$29000.00}. I really felt like I was finally making progress. I've paid off four loans in the last year. This past weekend when I checked my overall balance is {$29000.00} which has increased! I paid more than {$1000.00} over the balance due yet my balance is increasing which doesn't make sense. Upon looking into it more I see on the website that my XX/XX/XXXX payment was not applied across all 12 loans but only to 3 of the loans which caused the other 9 to increase in overall balance. I called the company tonight to find out why they are doing this. I spoke to a gentleman named XXXX who told me the Department of Education decides which loans need to be fulfilled to make it better for the consumer. I said I understand since it applied to the 3 highest interest rate loans ( all above 6 % ) but how is it possible for the balances on the other loans to increase. None of this make sense to me and I'd like it investigated. I've been ensured that I'm in the best plan the standard repayment plan which pays it off the quickest. I was offered the option for income based and I would pay for twenty years and have the rest forgiven which I laughed at since my goal is to have all of these paid off in a year. I just feel like the company has been taking advantage of me since day one back in XX/XX/XXXX. They see that I am trying to pay these off so have started picking and choosing which loans the money is applied to. How could they go from months of consistently applying across all loans to now all of a sudden only applying to three loans!
Company Response: Closed with explanation
2019-05-08
Austin, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: Nelnet has been unable to provide proper legal documentation.
Please provide the MPN in its original form for any and all alleged accounts and disbursements.
Please provide the MPN for The University of XXXX XXXX XXXX in its original form
Company Response: Closed with explanation
2019-05-08
Temperanceville, VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I have asked several questions as to why the amount of payments applied to interest and the principal are so close in amount. I would expect 1/3 of my payments to be applied to interest and the most to the principle. Also when I subtract the amount of money applied to my principle from my principle balance, the totals are not true. I still don't understand where my payments are going. I was paying a little extra every month and this money seemed to create fees? I don't understand.
I have contacted Nelnet several times. However most of my messages have been deleted from the server.
It took my a month of back and forth the have them remove a late payment that never happened in order to qualify for income assistance. Then they " approved '' me for an amount equal to what I was already paying. Which is different from what a representative even quoted over the phone to me.
I should have paid at least one loan completely by now. The fact that I still have 2 loans is intentional by Nelnet.
Company Response: Closed with explanation
2019-05-07
AR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: All of the credit reporting agencies ( XXXX, XXXX, XXXX ) except XXXX have removed a student loan that was full of fraud until it was finally approved for XXXX Discharge in 2013 and closed. XXXX refuses to delete or remove the loan. They also continue to re-post a phone number disconnected 3 years ago.
How can I get XXXX to remove the student loan, an old disconnected phone number, and old addresses? All of the other credit reporting agencies have done this voluntarily.
Company Response: Closed with explanation
2019-05-07
NE
Took or threatened to take negative or legal action
Debt collection: Federal student loan debt
Threatened or suggested your credit would be damaged
Complaint: Please attach to complaint ID XXXX, I found additional documentation to support my complaint.
I would like to add to my complaint and ask for a formal investigation into the accounting and collection practices of Nelnet ( Loan account number XXXX ) and XXXX XXXX XXXX.
In XXXX I defaulted on my student loans ( see doc # 1 included ) due to my husband being out of work while receiving treatments for XXXX, which he has since passed away from after a long 10 year battle. While in default I was harassed and treated unfairly by one of the Private Collection Agencies hired by the US Department of Education. This agency was XXXX XXXX XXXX XXXX, who is listed in the Office of Inspector Generals audit report from XXXX of XXXX. I do believe the harassment I received was intentional and malicious because they believed they could treat me this way as I was a woman. I did not have the wherewithal needed to fight this type of collection tactics since I was the sole support to my family as my husband was fighting for his life.
After months of harassing calls at work and home, I made an agreement ( see doc # 2 notes from harassing calls ) with XXXX to participate in the FFELP Loan Rehabilitation Program ( see doc # 3 for agreement ). I was concerned and worried what might be done if I did not comply with their demands. The threatening calls were so intense I made the agreement even though our financial situation had not improved and my husbands XXXX had XXXX. I was in dire need of help and did not have anywhere to turn. I started making payments in XXXX of XXXX. Please see enclosed document for agreement.
In XXXX of XXXX my student loan was rehabilitated and purchased by XXXX XXXX on XX/XX/XXXX ( see doc # 4 ). When looking over my loan amounts they did not match. XXXX document states I owed {$75000.00} on XX/XX/XXXX and Nelnet shows my loan balance as {$73000.00}. Enclosed are both of these documents for you to review. On XX/XX/XXXX I had to dispute the 18.50 % collection fee XXXX tried to charge me, which I never agreed to. Please see enclosed document # 5 ( 4 pgs ) and fax report showing it was sent. I do show on my Nelnet print off a credit of {$13000.00} which I am assuming was the fee they tried to charge me. This is a guess on my part as I never received any documentation stating this. I have not been able to find where the {$6500.00} in payments I made to XXXX was applied to my loan balance. As you will see Nelnet does not provide an amortization of my loan payments and balance ( see doc # 6 5pgs ). How can this be acceptable and/or legal to not provide this to a consumer?
This leads me to my second complaint I need assistance with how all my payments for the last 7 years have all went to interest. I have enclosed my payment history ( doc # 6 ) from Nelnet to show from XXXX, XXXX to XXXX, XXXX I have paid {$39000.00} and this entire amount has went to interest only. I work in the financial industry and this can not be fair and appears to be highly deceptive in their lending practices.
I called XXXX on the evening of Tuesday, XX/XX/XXXX and asked if they could explain this to me. After over an hour on the phone, I asked for all of my documents to be sent to me so I could investigate and file a complaint against them. I explained I wanted all the documents showing all the fees and interest charged since XXXX. Please note after my call ( and only after my call ) to XXXX my XXXX payment does show {$130.00} to principle. Again very confusing!
I took responsibility for my loans and wanted to pay back what I owed and worked with the collection agency to get it rehabilitated. In my call on Tuesday night, XX/XX/XXXX, I asked for copies all the fees and interest I was charged when I was in default and where does it show the {$6500.00} in payments was applied in XXXX. I was instructed Nelnet will only release this information if I get a subpoena. How can this be legal to ask borrowers to pay for fees and interest that were not disclosed to them and no documentation will be provided without court documents.
I graduated from the University XXXX XXXX at XXXX in summer of XXXX with a loan debt and promissory note for {$33000.00}. I deferred my student loan for 5 years after graduating as my income would not cover my loan payment at that time. I did a consolidation in XXXX with my payments starting in XXXX with my new consolidated loan balance of {$42000.00}. If you look at my history I have paid on this loan since XXXX of XXXX with payments over the last 17 years adding up to {$90000.00}. I have paid approximately 3 times what my original loan was back in XXXX. As you can see on my statement XXXX claims I still owe {$63000.00}. This would total {$150000.00} ( 5 times my original loan ) and that does not even include additional interest on the {$63000.00} they say I still owe. How can this be fair and legal? I have more than paid this loan in full and it should reflect this.
I am looking for help or guidance in dealing with these deceptive practices and what legal rights I have. If needed I will contact a lawyer to file a case and to request a subpoena to view the documents from the collection agency as I believe they will show illegal activity being done by this agency and lender.
Company Response: Closed with explanation
2019-05-07
Ft Myers, FL
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: first mark ( telnet ). i have been trying to setup auto debit over the past 3 months, ( i have now called at least twice each month ). but each time i am assured by the CSR after attempting to do it online that it has been setup appropriately, it is still not debiting my bank account. i don't understand why it takes more than 3 months and more than 6 phone calls to get auto debit setup.
Company Response: Closed with explanation
2019-05-06
Havana, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Keep getting calls about your loan
Complaint: Receiving phone calls on several occasions from a number in XXXX, Florida claiming to be providing loan relief. They have my contact information and my current billing address. I already answered and told them to stop contacting me, but they called again. It's super creepy and makes me very uncomfortable.
Company Response: Closed with explanation
2019-05-06
Loveland, CO
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I have a consolidated loan with Nelnet/XXXX for my ex husband who is now deceased, and myself. We consolidated approximately {$12000.00} principle of his loans and approximate {$7000.00} of mine, in XXXX.
Upon our divorce, we made an agreement that each of us were to repay on a schedule. Due to many hardships in our lives, we have used the forbearance and wage repayment schedule.
He died in XX/XX/XXXX and his Plus loans and other federal loans were forgiven, however, a company called XXXX XXXX XXXX has recently started calling me at work, after I requested they not call my work number and gave them my cell number. They call to get a repayment plan with their company.I have received a letter from their offices stating I had 30 days from XXXX to request a hearing. I responded with the form provided requesting a settlement or a hearing in person. XXXX XXXX is threatening a wage garnishment if I do not not enter into a verbal repayment plan over the phone and will not consider a settlement on my loan debt balance ; they insist on collecting the deceased husband 's principle and 22 years of interest. They have requested documents supporting the loan original balances and the certificate of death of my ex husband. I have emailed, faxed and mailed all these documents, including bankruptcy forms for which my debt was listed in a bankruptcy in XXXX.
Company Response: Closed with explanation
2019-05-05
Ashburn, VA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2019-05-05
FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Have been making payments on my loan each month timely and making extra payments that have not been put on the principal of the loan have reached out to the company nelnet multiple time and haven't gotten a answer to what my payments are not being applied correctly. My interest rate is 5.5 percent on loan and when I spoke to them on XX/XX/XXXX again when I received my last statement in mail they took XXXX dollars of my payment and put on intrest and only put XXXX on my principal and when I explained that this makes no sense they didn't have a explanations for me. Also last year they took XXXX and put on intrest, but they said my interest only adds up to about XXXX a day so when I told the young lady I was speaking with to add it up with me that only adds to about XXXX a year so how can they legally take 4 time that for intrest.
Company Response: Closed with explanation
2019-05-04
Rochester, NH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-05-03
Southern Pnes, NC
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Complaint: It is showing that I have 9 student loan on my account. I should only have 3 but on my credit report it showing that Ive got 9 and all those are the same account number and the amount that I owe
Company Response: Closed with explanation
2019-05-03
Atlanta, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: On 8 different occasions I called Nelnet asking them to remove the 120 days they claimed I was late or defaulted on my student loans. To this day, even after consolidating with another lender many of my student loan accounts through Nelnet show up as 120 days late, even though I was never late as I was in deferment for all of my student loans. on two separate occasions I spoke with a rep named XXXX, who assured me that this was infact an error on their part because my other student loan accounts also serviced by Nelnet at the time were in deferment as well obviously but never have shown defaulted because it simply did not occur, I was in SCHOOL THE WHOLE ENTIRE TIME THEY CLAIMED I WAS LATE! IT DIDNT EVEN COME TO THE 6 MONTH AFTER GRADUATING GRACE PERIOD YOU GET OVER THE DEFERMENT ONCE OUT OF SCHOOL AND I WAS STILL IN SCHOOL. I always kept up with the deferment rules and procedures. This was a fault of the company 's negligence, not me defaulting on any loan was already admitted and promised to be rectified by 2 of reps I spoke with when discovering a 30 day then 60 day late mark on my credit report. I began tracking it because it only showed on 7 of my student loans with Nelnet, none of my others also serviced by Nelnet. Over the years I kept calling the company and disputing it with all the bureaus but 5 years later even after graduating and consolidating and erolling in a IDR plan for paying off the student debt, and i'm still haunted by FALSE INFORMATION SHOWING 120 days ... every time i pull my report. Not to mention the anxiety i feel everytime I see the balances of those same 7 accounts climbing drastically because of all the interest rate charges and other fees that has put me into a deeper downwards spiral and crushing me under the weight from all the stress time effort and anxiety this 5 year long battle has added. All of that and nothing has been fixed nor changed and every dispute filed has been met with no change, The false information has even spread as the increased balance has not only traveled along on my credit for 5 years and counting, it has also transferred over into the new consolidated loan with the new company who I am in repayments with. Plus a couple of the accounts still show as open accounts before I bombarded him with disputes. This is not fair and needs to be fixed. It has destroyed me!!!
Company Response: Closed with explanation
2019-05-02
San Diego, CA
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Company Response: Closed with explanation
2019-05-02
Hollywood, CA
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Closed with explanation
2019-05-02
Lubbock, TX
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: in XX/XX/XXXX I was contacted numerous times about payments on the account, and was told that I was put on a forbearance for 3-6 months, was asked to send in paperwork, however my credit report was affected negatively. no-one can offer explanation.
in XX/XX/XXXX I have been making payments and still my credit report is negatively affected, interest keeps going up, and ballance shows to steadily increase. I have tried several times to call and speak about this but no-one can offer a reasonable explanation.
Company Response: Closed with explanation
2019-05-02
Augusta, GA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: My doctor submit documents that I am XXXX Nelnet said they never received the documents the documents were sent two times they are giving me a run arouni am to sick to put up with this. Could you help me my phone number is XXXX XXXX I attached the documents that need s to be sent in. Could you make sure they are sent in I am very I'll and couldn't do it it's wrong to miss treat a person these documents go to the XXXX section. Thank you XXXX XXXX
Company Response: Closed with explanation
2019-05-01
Hollywood, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-05-01
Washington, DC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-05-01
Plymouth, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Between XXXX and late XXXX my consolidated federal loan ( approx. $ XXXX ) was with XXXX XXXX XXXX with a 2.87 % interest rate. During these 13 years, I was in an extended graduated repayment plan ( 25 year term ) and I paid $ XXXX/month.
In XXXX, unbeknownst to me, my loan was transferred to XXXX. Because XXXX had my wrong address on file, I did not find out about the transfer until they emailed me in early XXXX. Fortunately, I had my monthly student loan payment on autopay to XXXX XXXX and it appears ( though I can't know for sure ) they forwarded the payments on to Nelnet until the time I became aware of the transfer.
When Nelnet first sent me a monthly statement, the payment amount requested was over {$500.00}. The payment plan on my account was " graduated '' rather than " extended graduated, '' which meant a 10-year loan term rather than a 25-year loan term.
I called Nelnet in XX/XX/XXXX to discuss the payment plan. I spoke with a nice woman named XXXX who attempted to determine why my payment plan was changed. She offered an income based repayment plan and I advised her that I would not qualify for an IBR, IDR or any other type of income-contingent program and that I just wanted to go back to the extended graduated plan I was previously on. ( I also gave her the address I have been at for the past 3 years so she could correct it in her system ) At first, XXXX said she could not put me in an extended graduated plan as I was not " eligible. '' When I explained to her that I certainly was eligible as I was on this plan previously with XXXX XXXX ( and that I was a consumer XXXX who has XXXX a lot of student loan issues ) she went back to her managers who then approved my entering the extended graduated plan with a monthly payment of {$300.00}. I received a letter from Nelnet reflecting this change.
Then, on XX/XX/XXXX, XXXX from Nelnet called me to tell me that her system showed her that I was ineligible for the payment plan that she thought she previously put me into and that my monthly payment would be {$540.00}. I advised XXXX that I thought we had already resolved this matter and she agreed. She tried to put me in the extended graduated plan again and said she was not able to. I told her that I was going to file a complaint with the cfpb as this type of mistake in servicing transfer was unacceptable. At that time, she asked if I wanted to speak with a manager and I said yes.
Nelnet manager XXXX then came on the phone and I explained the situation to him as well. XXXX said that it looked like there was a " hiccup '' in Nelnet 's system causing the problem. XXXX said that there was a problem with the prior disclosure from Nelnet when my loan was transferred which caused the incorrect change in payment plans. He said he would have this corrected and my payment would be {$310.00} under an extended graduated repayment plan.
I am writing this complaint as I have little confidence that this adjustment will be made correctly given the issues that have already arisen with Nelnet. As of now, Nelnet still lists me as in a graduated plan with a monthly payment of {$540.00}. Please help make sure my loan details are corrected.
Company Response: Closed with explanation
2019-05-01
Garrett Park, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: The webform removed all formatting from my complaint, so I have also attached a copy of this letter for easier reading.
Complaint : I am writing to file a formal complaint against my student loan servicer, Nelnet , inc., regarding the negligent communications practices that resulted in the accrued interest across all my loans to capitalize and be added to the principal balance.
In short, Nelnet , inc. claims that the interest was capitalized as a result of my alleged failure to respond to a request for more information from Nelnet , inc. to confirm my repayment plan, when in fact I never received any communications from Nelnet , inc. requesting said additional information. Moreover, despite multiple requests to Nelnet , inc. to produce said communications, Nelnet , inc. is unable to produce same, and refuses to reverse the capitalization. The result of the capitalization of {$23000.00} ( $ XXXX+ {$2600.00} ) will result in {$26000.00} of additional interest across the Income Driven Repayment ( IDR ) Schedule with 174 payments remaining.
Resolution : I request that the total capitalization of my accrued interest {$23000.00} ( $ XXXX {$2600.00} ) be reversed and deducted from the interest bearing principal balance.
Interest Calculations : Capitalization 1 : {$13000.00} at 7.9 % Capitalization 2 : {$2000.00} at 7.9 % Interest on this capitalized balance over 174 monthly payments : {$18000.00} Capitalization 1 : {$7200.00} at 6.8 % Capitalization 2 : {$550.00} at 6.8 % Interest on this capitalized balance over 174 monthly payments : {$7.00}, XXXX Timeline : XX/XX/XXXX : IDR plan recertification application submitted.
XX/XX/XXXX : Receipt Confirmation confirmed by Nelnet, inc. via email. See Attachment, Figure 1. Note : Nelnet writes that additional requests for information will come via email : We ask that you continue to make any payments due on your current repayment plan until you receive confirmation of the outcome of our review. Also, please keep an eye out for any emails from us, as we may need additional information to complete our review of your application. Email is my selected form of communication from Nelnet , inc . Figure 2. To date, I have received all communication from Nelnet, inc. via email or text per my communication preferences.
XX/XX/XXXX : Payment made in full : {$550.00} XX/XX/XXXX : Nelnet , inc. sends electronic letters via my account inbox that my monthly minimum payments has increased from {$550.00} to {$2000.00}. At this point my interest had capitalized in the amount of ( estimated ) {$21000.00}.
XX/XX/XXXX : Upon reading the communication, I contacted Nelnet, inc. regarding this situation and was informed that the increase in monthly payment minimum was the result of an incomplete IDR Plan Recertification Application. Additional information regarding pay was required. I was also informed that this resulted in accrued interest capitalization. I requested that they reverse the accrued interest capitalization, as I never received the request for additional information. I can not recall the names of the representatives that I spoke with, but I was escalated to a supervisor who I spoke to in length. He confirmed that I should have been sent this communication via email in my secure account inbox, but stated that it was sent via United States Postal Service ( USPS ) mail. I informed the supervisor that I never received the letter. I was put on hold and he checked with someone in a leadership role for guidance and was told that mailing the letter via USPS was adequate notice, regardless of my receipt. He confirmed multiple times that it was odd that every other piece of correspondence I was sent from Nelnet , inc. came electronically, according to my chosen preference, and could not tell me why this particular request was sent via USPS. He instructed me to submit the requested documentation, and applied a temporary forbearance to my account to allow processing time for the IDR payment plan.
During this period of forbearance, additional interest capitalized, totaling : {$2600.00} XX/XX/XXXX : I submitted the requested pay information to recertify my IDR payment plan.
XX/XX/XXXX : Letter received from Nelnet , inc. detailing their justification ( Figure 3 ), which failed to include the copy of the original request for additional information although expressly stated in the letter. I submit this as continued evidence that the attention to detail regarding physical mail correspondence from Nelnet , inc. is negligent and that they still can not produce evidence that they ever sent the request for additional information.
Company Response: Closed with explanation
2019-04-30
Broadway, WA
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-04-30
TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I recently received a letter in the mail notifying loans with a collection agency. After some research I found that two loans I had with Nelnet, loans " I '' and " J '', had been sent to collectors and set into default status. I was not notified of late payments or notice of approaching default status. After reviewing my personal records with corresponding information given to me via phone conversation, I found these loans had been submitted to default status in XX/XX/2016 without my knowledge. In my review, I found documentation sent to my address I've used for years with Nelnet, of a 60 days past due notice in XX/XX/2016 for the loans in question asking for payment before they became delinquent in total of 90 days past due, yet Nelnet had already sent to collections. I then made a payment in XX/XX/2016, as I was told this would help all of my past due loans from being delinquent. However, since I was not informed of " I '' and " J '' already filed as defaulted, this payment was not applied nor was it communicated that said loans were out of their hands. Now these loans have been in default for 3 years without my knowledge and have accrued almost {$2000.00} in fees and are being handled by a debt collector.
Company Response: Closed with explanation