Date Received: 2023-10-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX erroneously reported my account 90 days delinquent, and then sold my account to Nelnet, who also duplicated the error by placing the account on my credt reports and reporting 90 day delinquency and they haven't even had the account 90 days. Both acts are erroneous and should be removed. Nelnet should report paying as agreed with no delinquency at all.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made a payment towards my student loands on time via Nelnet 's website. I made a payment on XX/XX/23 of {$1100.00} to a loan group. The payment amount due was {$500.00} by XX/XX/23, so my payment of {$1100.00} covered the total due in excess. It is now XX/XX/23 and Nelnet 's website says that my payment is past due. However, the website reflects that my payment of {$1100.00} on XX/XX/23 was posted and applied to my account, and the money has been drawn from my bank account. I have tried to call Nelnet twice, once on XX/XX/23 and again on XX/XX/23 to speak with an advisor to address their error. Both times the hold times were estimated to be over 70 minutes long. I can not get in contact with anyone to amend this issue. I am scared it will start to impact my credit score.
Company Response:
State: CA
Zip: 92691
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: I am writing to request the forgiveness of my student loans, totaling {$57000.00}, which I acquired while attending the now-closed XXXX XXXX XXXX My request is based on the grounds of school closure, the ineligibility of my transferred credits, and the disruption this has caused in my education and financial stability. I enrolled at the XXXX XXXX with the sincere belief that it would provide me with a quality education and open doors to a promising career. However, due to financial difficulties and the school 's subsequent closure, I found myself in a situation where I had to transfer to another institution. Unfortunately, my credits did not transfer, and was required to repeat another year of study to complete my degree.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/2023 I submitted a payment to Nelnet of {$500.00}, with the selection that the payment be applied to all the loans on file with them proportionally. ( See attachment for confirmation email, note the XXXX ID : ALL ). Instead of doing this Nelnet applied my payment to only XXXX loan Group ID : AA. This means my other loans have accrued interest they should not have. I called and talked to a representative on XX/XX/XXXX who said they could not change it but would put a note in my file requesting a higher up to take a look and change it appropriately. A follow up call on XX/XX/XXXX was told by another representative that that note was still there and no action had been taken. My loan payment has been misapplied causing excess interest and higher payments to accrue. In addition to this Nelnet also changed the due date for XXXX of my loans ( XXXX ID : XXXX ) from the XXXX of the month to the XXXX of the month, misaligning it with my other loans. This was done with no notification to me and not at my request. The loans have always been due on the same day as each other for the life of the loans. I requested this XXXX loan to be changed back to the XXXX of the month to match what it and the other loans has always been and this has been ignored. There was no communication from Nelnet that this was going to change and they have not changed it back.
Company Response:
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Nelnet reached out about my consolidation request to say I needed to add another loan to be eligible. I sent the information by email and heard back within a day, with terms I am unwilling to accept. I have tried calling Neltnet several times. Their holds are excessive, and the phone system says estimated hold time is minutes without giving a number of minutes. I have tried to chat and cant get a human. I also sent them an email declining the terms, but their request states I must call them or they will proceed. How can I call if they refuse to answer? I want to be certain this consolidation is stopped, as I have attempted to get in contact many ways. I refuse a higher interest rate and want to keep things as is.
Company Response:
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I submitted a payment for my student loans to Nelnet. Received confirmation my payment went through and the money was also gone from my bank account a couple of days later. I checked my Nelnet account a month later only to see my payment was kicked back to my bank account with no notification. During that time over {$140.00} interest was accumulated. I called to see why this was the case and all they said it was some error with my saved payments on their end. They refused to waive the interest accumulated from my initial payment that was kicked back due to their own error.
Company Response:
State: MA
Zip: 02135
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Getting a loan
Subissue: Denied loan
Consumer Complaint: I recently reviewed a copy of my credit report, I was shock to learn, i've been a victim of idnetity theft. I found numerous accounts on my credit report they were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report.
Company Response:
State: AZ
Zip: 85353
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: From approximately XXXX XXXX XXXX University XXXX XXXX MN XXXX XXXX false promises and statements regarding tuition costs, loan agreements, job demand, job placement, class requirements, accreditation, and other matters to myself and other students. Prior to admission, I was informed that all grants, and scholarship funds ( including American XXXX Sholarship Funds ) were depleted, and that the only option was loans. XXXX staff claimed that the " student loans were the fastest and easiest way to pay for school ''. XXXX XXXX XXXX staff stopped signing my loan agreements after I questioned the terms and conditions. In XXXX I attended National XXXX University XXXX XXXX MN XXXX and graduated from the Massage Therapy XXXX XXXX XXXX A.A.S. In XXXX, I enrolled in the XXXX XXXX XXXX. The school abruptly cancelled courses, and eventually closed its XXXX XXXX XXXX location, where those classes took place. As a direct and proximate result, I was forced to pay $ XXXX dollars on a high interest credit card. I later defaulted on credit card payments. Currently, XXXX Nationally has multiple lawsuits and class action lawsuits against its locations alleging systemic fraud, deceptive practices, and other allegations by former students. XXXX loans have been transferred to multiple lending agencies, with each XXXX of them engaging in practices to cause financial harm by prolonging the loans. Nelnet XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Great Lakes XXXX, all of these have at XXXX time handled the loans All of the forementioned entities have seemingly went out of business or disappeared without a trace. I made thousands of dollars in payments to all of these agencies. Those funds are lost. As of XXXX I currently owe approximately $ XXXX dollars on XXXX loans that originated from XXXX XXXX XXXX As of approximately XXXX, XXXX, XXXX, MN is closed. XXXX failed to pay its lease during the majority of the time it operated in XXXX, MN. I applied for and submitted multiple borrower defense applications, alleging fraud, and deceptive practices by the school where the loan originated. In XXXX, I received a letter from the XXXX Department of Education stating that had applied for a XXXX XXXX, and that my student loans would be XXXX entirely, and that lenders all reports to credit agencies would be dismissed. As of XX/XX/XXXX, my student loans are held by Nelnet XXXX XXXX. They are in default and have been reported to credit reporting agencies. In XX/XX/XXXX, I was referred to CFPB, and the MN XXXX XXXX XXXX XXXX by the Minnesota XXXX XXXX Attorney General. All forementioned entities should have documents in their possession regarding this matter.
Company Response:
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX Student loan {$5500.00} Great Lakes Borrower XXXX Student loan {$5500.00} XXXX XXXX XXXXXXXX XXXX Started paying on Student loan with Great Lakes Borrower XXXX Called and spoke XXXX at Great Lakes Borrower requested that my auto debt student loan payments to continue as I was working fulltime and didnt need my loan to deferred. XXXX Received letter indicating Great Lakes Borrower Service had sold/transferred my student loan to nelnet. Letter mentioned my monthly auto debt of {$120.00} would continue as it had with Great Lakes and no changes would be required from me. XXXX Received statement from nelnet indicating I owed {$60.00}. nelnet had listed my student loans as XXXX XXXX and XXXX XXXX and applied the entire {$120.00} to group AA instead of breaking this down to into both groups. Spoke with XXXX and XXXX said this wouldnt be possible and she would need to have us fill out paperwork so nelnet could reallocate my payment each month. I was not satisfied with this and XXXX placed me on hold and spoke with a manager. When she came back on the phone XXXX said the payments would be corrected and the changes to make sure my monthly payment of {$120.00} would be divided up and {$63.00} would be applied to loan XXXX XXXX and {$60.00} would be applied to XXXX XXXX. I would not need to do anything. XXXX Received statement from nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX. I spoke with XXXX and explained the issue and XXXX transferred me to XXXX. XXXX reallocated my XXXX payment and said she would make sure all future payments were taken care of properly. XXXX Received statement from Nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX. Spoke with XXXX and explained the issues. XXXX said this would be taken care of for this payment and all future payments. XXXX Received statement from Nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX. Explained to XXXX the issue and she was checking with IT to see why this keeps happening and can only suggest the reason for this is because they are back up and not able to see the special note that is attached to this account. XXXX will make the correction. With being on hold and with XXXX I was on the phone for XXXX hours and XXXX minutes. XXXX Received statement from Nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX
Company Response:
State: KS
Zip: 66605
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XXXX XXXX XXXX my Federal Student Loans were fully discharged as part of my XXXX XXXX XXXX proceedings. The court confirmed that Nelnet was duly notified of my impending discharge and did not contest it, leading to the finalization of the discharge. I believe Nelnet was aware of this, as they temporarily removed the debt from my credit report. However, it has since been reinstated by them, which is legally incorrect. I have uploaded the certification of my discharge to the Nelnet website and have also sent messages and emails to them numerous times regarding this issue over the past month, but I have yet to receive any response or acknowledgment.
Company Response:
State: ID
Zip: 83702
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A