Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I disputed all accounts with student loan servicer Nelnet. All of these loans were paid in XX/XX/XXXX and are now being serviced by XXXX. The accounts were closed/removed from my report and then added back. I disputed all Nelnet accounts on XX/XX/XXXX and again on XX/XX/XXXX. I called Nelnet and was told that they could not send a letter but I could print a mortgage statement off line. Then was told maybe a supervisor has access to send the info but no letter was ever sent. I have checked for weeks and the online account will not allow me to open any documents. I have also complained about that issue. I saved the mortgage statement screen as a PDF and uploaded it to experian. It shows I have no loan balances with Nelnet. Both servicers Nelnet XXXX XXXX are now on my report with the exact same accounts and loan amounts making my debt to income much higher than it should be as well as causing my score to decrease which has caused a negative reflection on me when trying to make certain types of purchases. This is causing me stress, anxiety, wasted time and money when clearly Nelnet has no proof of current existing loans. The updates dont go past XX/XX/XXXX as they no longer service my loans and have been paid in full. XXXX will not remove even with proof and numerous calls and disputes.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is a formal complaint that dept of education is being non compliance as well as dealing in deceptive practices. My conclusion is the strength of following. In XXXX on I wrote dept of education a dispute regarding they sharing personal information to which was a violation of my privacy as well as the graham leaked bliley act to which their response to the complaint was In accordance with our agreements with Department of Education, we furnish your account data to the consumer reporting agencies. As a data furnisher, under the Fair Credit Reporting Act, we have an obligation to ensure the data we furnish is complete and accurate. Any information we share is in accordance with the U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal Enclosed is a copy of XXXX privacy notice, which states that for everyday business purposes such as to process your transactions, maintain your account, or report to credit bureaus, we do share your information and you may not opt out of this sharing ( plz refer to complaint number XXXX ) .However under 15 us code section 6802 obligations with respect to disclosure of personal information states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. To which department of education did not do and furthermore they stated in their response that I may not opt out to which is a clear violation of the law stated above as well as 15 usc 1681a2.
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from NELNET. Called several times on XX/XX/XXXX, was on hold for over an hour. No live person answered. I have attached the Copy B receipt and screenshot of my profile on the NELNET website. In viewing my profile, it reflects a different amount from previous attempts to collect.
Company Response:
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: My student loans were transferred from Great Lakes to Nelnet within the last two years. These student loans originated from XXXX XXXX XXXX With that being said, XXXX was involved in several litigations within the past decade due to their sudden closure and other predatory practices conducted. I have received ten or more official notices from the Dept. of Education, Great Lakes, and Borrower Defense to Repayment all informing me that these loans have been forgiven and will be paid in full and removed from my student loan servicer and taken off of my credit report. It wasn't until XXXX of this year that I actually saw the payment go through on my Nelnet account and all of my loans were cleared out as a result. It is impossible to contact Nelnet in general, but I was miraculously able to get through back in XXXX and the representative I spoke to confirmed that my loan balance is at XXXX and the credit bureaus would be informed and my loans removed from there. However, they have not followed through on this and have done some suspicious things since then. This was the only time I was able to get through to someone. For example, in XXXX I got a notice from my credit monitoring service that these loans were removed from my credit report. I was relieved and thought that this would be the end of it. Well, I was definitely mistaken. XXXX weeks later in XXXX, they added the student loans back onto my credit report and increased the loan amounts in the process. They have also done this again in XXXX, minus the removal and reapplication of the loans, just the increase in amounts. They also marked them as " installment loans '' which makes no sense. My loan balance is completely zeroed out per my Nelnet online account and official notice from the Dept. of Education, so why in the world are they doing this and able to get away with it? If they do not correct this mistake I will be taking them to court to make sure this gets resolved once and for all. They state that the data reported to the credit bureaus from XX/XX/2023 shows that my loans have been discharged and this is false. As stated previously, they took all of the loans off of my credit report beginning in XXXX and reapplied them back on there in XXXX. In XXXX, the only update was that they reported them as " installment loans '' and added to the balance of each individual loan. They did not report them as XXXXischarged at all, otherwise they would have been removed. I actually just put in a dispute through all of credit bureaus in XXXX and it was resolved a few days ago. In that, they stated that Nelnet is reporting the loans as not discharged and that they are installment loans. I will not accept this matter as resolved until all XXXX loans from XXXX are accurately reported by Nelnet as discharged and removed completely from my credit report. I can not trust that this will be done on it's own within the timeframe allotted after what they pulled so far.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loans are held by Nelnet. At the beginning of XXXX I applied for the SAVE plan. I received confirmation that they received my applciation and later they requested my pay stubs. I've sent them all the documents they requested in XXXX and have not heard back. My payments ar supposed to start in XXXX and I have yet to receive a statement.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My student loans are serviced by Nelnet. When I started XXXX school, my new XXXX loans were automatically placed in deferment. I submitted a request through the Nelnet website to also place my XXXX loans in deferment, but Nelnet has not responded nor have they updated my loan status. They do not answer calls or emails. I am still being charged interest and expected to make payments each month. My first request was in XX/XX/2023, nearly two months ago.
Company Response:
State: IA
Zip: 52317
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I am submitting this complaint against Nelnet Financial Services Company, regarding my student loans reported on my Credit Report and Federal Student Aid account. I am submitting this complaint because I have been attempting to request documentation on my student loans from Nelnet since XX/XX/XXXX and it has been an unsuccessful process. I have contacted Nelnet via email and telephone multiple times in the last six months. However, I do not receive a response or the documentation I requested to possibly get this matter resolved. I have requested copies of the Parent Plus Loan documents, Student Loan Breakdown, XXXX, and transfer documents from my previous loan servicer. The reason for this complaint is to report Nelnet for reporting that I owe the " Parent Plus Loans '' that were granted to me in XXXX. Per the Federal Student Aid Website, it states " A Direct PLUS Loan made to a parent can not be transferred to the child. You, the parent borrower, are legally responsible for repaying the loan ''. As the child, I am not responsible for paying back the Parent Plus Loans, this information needs to be reported to my parent. I have requested this documentation from Federal Student Aid and my previous institution, XXXX University. I was advised to contact Nelnet for this documentation, which I have not received a response to any of my requests. I will be attaching copies of emails on my requests to Nelnet, emails from XXXX University and Federal Student Aid regarding the Parent Plus Loan.
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2023, I applied for an IDR/ICR payment plan, including authorization for IRS to include my tax returns. According to studentaid.gov, It was reviewed, processed, and completed by Nelnet on XXXX XXXX XXXX I received no updates or email communication regarding the application. I called them twice to find out that they required additional proof of income even though they received my tax returns directly from the IRS. I uploaded the requested documents on XX/XX/2023 that they should have requested weeks prior via email - again, they sent zero email communication regarding my IDR/ICR application. Nelnet claims that they send updates every 10 days via email as well as requests for supporting documents. However, as of today ( XX/XX/2023 ), I have received zero emails from them regarding my IDR/ICR application. I had to call Nelnet to find out that they need those documents. As of today, Nelnet has yet to update my payment plan, still showing the traditional payback amount for monthly payments on my loan dashboard, and has not created a payment schedule. Student loan payments are restarting this month, and Nelnet appears to be in complete chaos.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: During the XXXX pandemic I began qualifying for Public Service Loan Forgiveness Program ( PSLF ). When I started working for the federal government at the start of the pandemic, I was not aware that I qualified for PSLF. My loans were originally through Great Lakes Educational Loan Services , Inc. After qualifying for PSLF , my loans transferred to XXXX XXXX During the pandemic, I paid off some of my loans completely while they were still with Great Lakes Educational Loan, Inc. After qualifying for PSLF and realizing that non-payment during the pandemic counts as payment, I requested to have my loans reinstated and the money refunded. I initially contacted Great Lakes Educational Loan Service, Inc who informed me that my loans had been transferred to XXXX and that I needed to request the refund through XXXX. On XX/XX/XXXX, I contacted XXXX to have the loans reinstated and refunded. They accepted my request and ask that I check back in XXXX business days. On XX/XX/XXXX, I contact XXXX again and asked that the loans be reinstated and refunded. On XX/XX/XXXX, I contacted XXXX again and made the same request. On XX/XX/XXXX, a check from the Treasury Department arrived that was a refund for my reinstated student loans totaling {$570.00}. However, during the pandemic, I paid off {$58000.00} in student loans. On XX/XX/XXXX, I contacted XXXX and informed them that the refunded amount was incorrect. On XX/XX/XXXX I contacted XXXX again and requested that the correct amount be refunded totaling {$58000.00}. On XX/XX/XXXX, I contacted XXXX again and requested that the correct amount be refunded totaling {$58000.00}. On XX/XX/XXXX I contacted XXXX and was informed that I needed to ask Nelnet to reinstate my loans so that I could request a refund. I contacted Nelnet and was informed that XXXX is responsible. Both loan servicers are stating that they are not responsible for reinstating the paid off loans and refunding me {$58000.00}. However, on the XXXX website, Nelnet is shown as my servicer for the loans that were paid off.
Company Response:
State: HI
Zip: 96826
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am unable to afford my SAVE plan payment, so I applied for a term based repayment plan that I could afford with NELNET on XX/XX/XXXX. I received an autoreply email that it would be processed in XXXX days. On XX/XX/XXXX, I received a bill for the original, unaffordable XXXX plan payment. I again tried to request a term based plan on XX/XX/XXXX and received the same auto response that it will be processed in 7-10 days. I spent several days last week on hold for 2-3 hours at a time to try to get an update on the repayment requests, but I never got a hold of anyone. I have a job and can not spend 8 hours at a time on hold. I have sent several emails via Nelnets web contact form requesting assistance and an update on my term based repayment requests, but I have only gotten automated responses to those as well. My payment is due on XX/XX/XXXX and I will not be able to afford it. I have been trying for over a month to get into a repayment plan that I can afford, but Nelnet has absolutely no customer service. If my payment is not made on XX/XX/XXXX, I could go into default and harm my credit score, despite my efforts to make a payment.
Company Response:
State: MN
Zip: 55318
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A