Date Received: 2023-09-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account : XXXX Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request. I, XXXX XXXX XXXX, previously tried to have one of your Sr. Representatives, XXXX look into my claims and was accused of requesting a goodwill request. The 90-day late payment being reported on my credit file is inaccurate. Your agency is reporting this late payment 12 times on all 3 credit report agencies as closed. Also, a new Loan for {$85000.00}. Which is showing as 13 student loans. I requested a copy of my student loan statements. In the statements it is showing that I requested a forbearance ahead of time in XX/XX/2019 and the request was approved. I am fully aware that I owe student loan and signed a promissory note. My grievance is that you are reporting inaccurate information on my credit report. Attached is the loan statement history, how my credit file is being reported, and proof of my identity. I just want this error to be corrected. I am sending this request via the CFPB and the attorney general office. Because trying to contact customer service is not ideal, where you dont get any help.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I applied for the pslf program back in XX/XX/2022. XXXX requested Nelnet transfer my loans to them back in XX/XX/2022. It has never been transferred. I have talked to Nelnet numerous times and they refuse to give me any answers. It is unacceptable how long it is taking Nelnet to transfer loans to XXXX. A year???? Ridiculous. I need to know my payment COUNT so I know if I need to continue making payments. My loans are very close to being forgiven.
Company Response:
State: IN
Zip: 46062
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX reporting that ive never received. Student loans are forgiven credit reports doesnt reflect that. Multiple accounts paid off doesnt reflect on credit report. Erroneous credit pulls XXXX XXXX XXXX XXXX is paid off still reporting a balance
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My monthly payment has been separated into multiple payments. It also does not match the payment plan I selected and that was approved. I can not get ahold of anyone by phone and I submitted an email contact form. There was multiple messages by phone and on the website trying to dissuade me from contacting them, because there is too many people trying to contact them. If they do not have adequate customer service and systems to collect payment fairly and reasonably, how can I be forced to pay them?
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: To whom it may concern, The IRS have approved the 1099C for student loan XXXX on XX/XX/2023. Mailed to Nelnet XX/XX/2023. Received my copy of the Copy B For Cancellation of Debt. My account has not been corrected to XXXX Balance as of today XX/XX/2023.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet is the student load servicer I am writing you about. New student loan repayment plan SAVE has been made available and I applied for it on XX/XX/XXXXXXXX via studentaid.gov. I was approved for it, with monthly payment of around {$45.00}. My information was transferred form studentaid.gov to Nelnet. Nelnet has requested our ( and of my spouse ) income information for years XXXX. I submitted all this information on XX/XX/XXXX. Needless to say, all this information was already pulled into studentaid.gov via previous tax returns, and was redundant, yet we summitted this information. I was just informed that they have reviewed my submissions and me a bill due XX/XX/XXXXXXXX in amount of around {$450.00} - 10 times of the calculated on studentaid.gov. They have not placed me under SAVE plan, as I have requested, instead Nelnet website shows an obscure " Income-Based Repayment ''. Moreover, they have already charged me interest of around {$150.00}, and I see this amount added to my total student loan. The student loan payment have not started yet, yet interest is already being added, and the whole point of me applying to SAVE plan was to stop interest from being accrued. The company has no way to communicate with them in writing via my account. I am able to send an email, and call them, however call wait times are hours and emails are not tied directly to my account. XXXX. The student loan provider should not take a month to process my request to switch to SAVE plan. XXXX. The student loan provider should switch me to SAVE plan and if not explain why not, instead of what is happening now - no communication. XXXX. I should not accrue interest, while they take months to process my request. 4. Communication is lacking, web interface does not explain what is the status of my accounts and under which repayment plans my accounts are, only says ( Income based repayment ). Should say PAYE/REPAYE/SAVE instead... XXXX. I shouldn't sit on a phone for hours waiting for customer support. I should have a way to communicate with the service provider via my direct account. XXXX. I have submitted all tax information to studentaid.gov via IRS, there is no reason NELNET should hassle me for REDUNDANT income information for XXXX ( which I did promptly provide ). XXXX. On XX/XX/XXXX I have received an email stating that my account was put on administrative forbearance, 3 days later later I received an email stating that payment is due XXXX, XXXX the amount of what studentaid.gov approved and processed me for. XXXX. The behavior Nelnet is exhibiting to me appears criminal. They are delaying and misprocessing the applications, charging interest, where they should not and have no direct means of communicating with them, while obfuscating information that should be readily available. In previous many years my student load provider was Great lakes, I have never experienced anything like this. This is unacceptable, I feel I am being scammed.
Company Response:
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Early XXXX set up account with Nelnet, applied for XXXX plan. Was given estimate. Waited 10 days as usual. Sent email after being on hold XXXX XXXX XXXX ( with no response, and was in fact hung up upon ) saying it was still in progress. XX/XX/XXXX and XX/XX/XXXX sent XXXX identical emails saying that it was stilling progress. As of today, no communication since, no change.
Company Response:
State: MI
Zip: 49424
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I've been trying to call Nelnet to help with my SAVE plan to see if i can get it lowered. Been on hold for more than an hour multiple times. Trying to log into the website, don't quite remember my username and login info, tried to recovered information using recovery options, never received an email for verification codes to it multiple times. A process which should be easily handled through automated services built into the website. Clearly this isn't the case, unless the site is mucked up on the back end.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I called them on Thursday the XXXX and was on the phone for 58 minutes, on hold, and then they hung up on me. They told me to go online repeatedly in the gold recording, but when I went online I was still not able to find my answer and found out that my payments were going to be higher with the SAVE plan they were pushing because it does not take into consideration the cost of living in my area
Company Response:
State: WA
Zip: 98312
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet takes 2hours every time to get ahold of. Each time ( 3 times ) Ive gone thru the process, their customer service rep tells me they cant correct the amount on my bill that I owe - despite knowing what the amount is- so I am left hanging, ready to pay but I cant because the new plan isnt showing on the website! Its been 3 weeks of this and they still havent corrected. I dont want this to go into next month when payments are due and I am negligent because I have been working hard to get this set up.
Company Response:
State: WA
Zip: 98117
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A