ComplaintsforGreat Lakes Educational Loan Services, Inc.

• Initial Complaint

  05/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have called My Great Lakes on two occasions (4/25/2023 and 4/20/2023) to request my student loans be placed in repayment and NOT forbearance. Both times I was told they already have this noted in my file but have yet to do so. I also explained both times that this is necessary otherwise I risk losing my house mortgage. It is now April 31 and there is no follow up - my status still shows as in forbearance.

  

  Business response

  05/08/2023

  Pertaining to ********************* federal student loan account, we reviewed their concerns and provide the attached response.

• Initial Complaint

  03/02/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Great lake refuses to verify that my student loans were for undergraduate. These are federal ******** loan dispersed for my undergraduate degree at ****************************. Great lakes referred me to FASFA. ***** said that they do not have the information and, that only the servicer would. They suggested I reach out to my school. When I spoke with **************************** they also said that only Great LAkes can confirm that the loans were dispersed for undergraduate. This is documentation / verification that I need to qualify for a new mortgage. I will not have a place to live if this can not be resolved.

  

  Business response

  03/06/2023

  Hello, 

  I attached the final response.

  Thank you!

   

   

   

   

• Initial Complaint

  02/20/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My student loans were paid in full as of October 2020. Fast forward to November 2022, I was approved for the *********************** Student Loan forgiveness. However, the courts blocked the student loan forgiveness in November. Yet, as of Feb. 9, 2023 they initiated a payment to my account, which I have not received. Now, they are reporting a balance I owe them of $20,000 for funds never received. Meanwhile, they have reported the original loan balance of $34,*** to the credit bureaus.

  

  Business response

  02/27/2023

  Hello,

  I have attached the final response.

  Thank You

• Initial Complaint

  02/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that US ***** OF EDUCATION/GLabsolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

  

  Business response

  02/20/2023

  Hello-

  Attached Final response.

  Thank you.

• Initial Complaint

  01/03/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been paying Payment Reference Number: *************** to Great Lakes. I was not aware in the beginning of the pandemic that a refund could be requested on payments rendered on and after 3/13/2020. Below are the qualified payments during that time frame: 3/23/2020Overpayment$-336.85$-336.85$0.00$0.00$0.00 3/23/2020Payment$37,822.00 $37,821.98$0.02$0.00$-336.85 3/13/2020Payment$385.56 $289.91 $95.65$0.00$37,485.13 I requested 9/8/2022 a refund of the above payments. It has been 117 calendar days and 77 business days since my request. I've sent emails (attached to complaint) checking on the status of the request. Responses to my email have stated it would take anywhere from 60 days to indefinete delay of initiating the refund. I have monitored the online account and see no indication of action taken. I have also monitored online that there appears no rhyme or reason the order processing refund requests as there have been persons submitting requests days/weeks after mine and receiving refunds. I am seeking at this time full refund of the above qualified payments to my current mailing address (listed on this complaint) that was verified on the 9/8/2022 phone call.

  

  Business response

  01/09/2023

  Hello-

  Attached final response.

  Thank you

  Customer response

  01/09/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

  
  The business response only states "Attached final response. Thank you." There is no attachment. The only attachments on file is the email chain I provided. This business is not addressing my concern or moving my refund forward. 
  
  Their last response to my emails does not provide resolution. They continue to be unable to provide a timeframe.
  
  Regards,
  
  ***********************

  

  Business response

  01/12/2023

  Hello, 

   

  I have attached the final responses dated January 9, 2023, and January 12, 2023.

   

  Thank you!

• Initial Complaint

  01/02/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  They are reporting inaccurate Information on my credit report. That law states that information has to be 100% accuracte and it is not reporting that way therefore it must be deleted. The date opened, amount owed, last reported date, date last active, and date of last payment are all reporting inaccurate therefore the account must be removed from my consumer report.

  Customer response

  01/04/2023

  My ******** Loan Account with U.S. DEPARTMENT OF EDUCATION ID# is ******** 

  

  Business response

  01/17/2023

  Hello 

   

  The final response is attached. 

   

  Thank you!

  Customer response

  01/17/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Attached is the proof that this account is being reported inaccurate on my transunion and experian. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, (B)Reporting information after notice and confirmation of errors

  A person shall not furnish information relating to a consumer to any consumer reporting agency if

  (i)the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and

  (ii)the information is, in fact, inaccurate. 

  
  

  I have provided proof that they are in fact in violation of the law therefore the inaccurate accounts must be removed from my consumer report. Everything must be 100% accurate and as we see in the two attachement there are inaccuracies that are clear. Delete the account from my transunion and experian immediately. This is the third time I've complained about inaccurate information being reported on my consumer report by them and they are still being allowed to furnish inaccurate data. Enough is enough please delete the inaccurate account once and for all it is the law and I know my rights.

  
  Regards,
  
  Carnegie Tirado

  

  Business response

  01/23/2023

  Hello-

  Attached the Final response.

  Thank you

  Customer response

  01/31/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  To whom it may concern,

  
  

  Once again I am writing to report a violation of the Fair Credit Reporting Act (FCRA) by Great Lakes Higher Education Corporation. On 12/29/2022, I sent a letter to Great Lakes requesting my 3 disclosures under 15 U.S. Code **** - Obligations with respect to disclosures of personal information. Despite multiple requests, Great Lakes has only provided one of the disclosures, which is the promissary note, and has failed to provide the other two disclosures required by law under 15 U.S. Code ****.

  The first request was made on 11/29/2022 and the most recent request was on 12/29/2022. Despite having two chances to provide all three disclosures, Great Lakes has failed to do so, which is a violation of my rights under the ***** As a result, they need to delete the information they are reporting from the credit reporting agencies immediately.

  I am writing to request your intervention in this matter. I believe that Great Lakes should be held accountable for their failure to comply with the law and should be required to delete the information they are reporting from the credit reporting agencies immediately.

  Thank you for your attention to this matter.

  
  Regards,
  
  Carnegie Tirado

  

  Business response

  02/06/2023

  Hello, 

   

  The final response to the rebuttal is attached.

   

  Thank you! 

• Initial Complaint

  11/04/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  This company has been very racist and has practiced discriminatory actions against African Americans. I was refused to be assisted by 2 workers and had call disconnected on me.

  

  Business response

  11/14/2022

  Hello, 

   

  I have attached GLELSI's final response.

   

  Thank you!

• Initial Complaint

  10/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. Therefore this account needs to be deleted from credit report.US **** OF ED/GLELSI ************ **** has violated my rights. 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 ***********. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

  

  Business response

  11/07/2022

  Hello-

  Attached final response.

  Thank you.

• Initial Complaint

  10/11/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Date of Transaction 8/16/21 Amount $20,193.95 Paid to Great Lakes Payment Reference # ***************Great Lakes ID *********** ************************ made a claim on 9/7/22 to get a refund in the amount of $20,000 and was told it'll take 2-4 weeks to see on my account. After the 2-4 weeks past and not seeing anything reflected on my account I called again on 10/5 (4 weeks from 9/7) and again and was told that I should see it "this week" the week of 10/7. I didn't receive nor see anything reflected on my account today 10/10. I call again this morning and being told that it'll be ***** days and this is concerning to me as I have had others applied for their refunds and received them already... I have not received an email confirmation/any update from Great Lakes and if I had not called all these times I would not be informed about anything. I was planning on paying off things with this refund and due to yet another delay I will have late fees and not be able to pay what I had planned to pay with this. I will greatly appreciate if you can help resolve this delay/push. Thank you.

  

  Business response

  10/14/2022

  Hello-

  Attached final response.

  Thank you.

• Initial Complaint

  10/04/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have reached out to US ***** OF EDUCATION/GL. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. US ***** OF EDUCATION/GL you are furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies (a)Duty of furnishers of information to provide accurate information 1) Prohibition (A)Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Duty: a moral or legal obligation; a responsibility Accurate: correct in all details; exact.Prohibition: a law or regulation forbidding something As Defined by The *** Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The *** Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!ACCOUNT NUMBER: **********

  

  Business response

  10/12/2022

  Hello-

  Attached Final response.

  Thank you.

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