Date Received: 2023-09-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Nelnets customer service representative.
Company Response:
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor Nelnet has violated my Rights, under Act 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15. Act 15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: There are XXXX loans at issue. Both were taken out in XXXX XXXX while I was at XXXX XXXX. The loans were initially serviced by Great Lakes but were then transferred to Nelnet. After receiving the funds, but before any academic assignments were due, I was struck by a car while walking in a crosswalk. I suffered a concussion ( among other injuries, which arent relevant ) which prevented me from being able to complete assignments. I tried, but could not focus long enough without the concussion becoming a factor. Ultimately the school dropped me for no -participation and I was deemed ineligible for the loans I was received. In XX/XX/XXXX, Nelnet sent me a thirty day demand letter. I was unable to pay the loans in full, and on XX/XX/XXXX, Nelnet stated that my loans were in the process of being transferred to XXXX. XXXX has no record of the loans in their system. I spoke to an agent at the XXXX XXXX XXXX and they said they have not received anything from Nelnet regarding these loans. According to XXXX customer service, my loans are in good standing. But according to XXXX financial aid department, who have forwarded XXXX emails, Nelnet claims the loans are still in default. Based on the speed with which XXXX XXXX XXXX responds to me with messages from Nelnet, Nelnet is prompt at replying. But they have not provided an explanation why the loans have not been transferred.
Company Response:
State: VA
Zip: 24551
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loans were on the REPAYE before the pandemic. My payment amount was {$320.00}. The SAVE program was announced to replace REPAYE. All terms are the same, except the amount of income excluded from payments increased. This should reduce all payments when based on the same AGI. My servicer changed my payment amount to {$570.00}. I ran the calculations myself and discovered that this amount is the total payment amount under SAVE for my joint AGI with my spouse, who also has student loans outstanding. I called them on XX/XX/XXXX to inform them that my payment amount should have been allocated to my husbands loans as well as my own. They first stated that I had submitted something saying I was single. The last time I recertified was in XXXX and I have checked the application and everything was correct. I was told multiple times that the only way to correct it would be to recertify. I do not want to recertify as the Department of Ed has guaranteed that we would not be required to for at least six months. I am entitled to make the payments based on my income from my last certification for at least that amount of time. I did not fill anything out incorrectly, I did not even request for my payment plan to change. I had no choice but to be moved to SAVE, and the President and the Department of Education are telling everyone payments will be lower, so it is unacceptable that my payments are increasing due to someone elses error, and I am being punished with having to recertify earlier. I then was transferred to a supervisor who told me they could recalculate my payment with the info for my husbands loans but she had to transfer me. I had to answer many questions about my income and family size to this person, when all of the information should have been on my XXXX recertification. They said I should get a letter in 5 to 7 business days about the recalculation. After about a week with no indication on my Nelnet account, nor my student aid account that anything was being done, I spent more hours on hold to inquire. They told me they didnt know why it wasnt processed yet, but they didnt see any issues with it. I requested they send me some kind of documentation for my records. They claimed they could not provide me with anything other than verbally. Almost another week has gone by with no indication that my payment will be recalculated.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: - I submit request to switch to SAVE plan on student aid.gov on XX/XX/XXXX - Nelnet received the application on XX/XX/XXXX - sent me email on XX/XX/XXXX stated still processing and nothing I need to do - today its still not switched to the new SAVE plan. - when I called, the rep said they need my current paystub to calculate AGI but I told them they should have that from my XXXX tax return. They still insist me to submit the paystub. When I ask why I didnt received any communication about submitting the support document. She said it was sent out on XX/XX/XXXX which simply not true because I only see email confirm they received my application on XX/XX/XXXX and an email on XX/XX/XXXX stated I didnt have to do anything. They are giving me hard time while they can simply just use my tax return XXXX to calculate that already got pulled from IRS and lied that they sent out email to request me submitting the current paystub. - Now they said it will be XXXX days to process but when i call to follow up, the rep didnt see the application is currently processing? - what are they doinf? playing with my money?
Company Response:
State: GA
Zip: 30809
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Ive had so many lenders that Nelnet ( my current lender ) only has my payment info beginning in XXXX. I started making payments in XXXX with XXXX. XXXX is now out of business & I cant get even get anyone from Nelnet on the phone to resolve this. I wanted online for almost XXXX hours today.
Company Response:
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I reached out to Nelnet the beginning of XX/XX/2023 for proof of agreement to pay the loans for student loans but they have yet provided me with this information. I also applied for a borrower defense application that still shows on my student aid.gov account as pending but this was done years ago and still no response on the matter. The school I attended XXXX XXXX university has been sued twice and I also attended XXXX university as well which randomly switched over to XXXX University which I feel is not fair as well to say I owe money to a school with a completely different name, leadership team, etc.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XX/XX/31 I called Nelnet ( my loan servicer ) to inquire as to why I did not receive an email informing me of my loan forgiveness. This email was to include information on loan payments that could be used to determine if I qualify for a refund due to paying past the 240 month threshold. According to the XXXX website, Nelnet was to provide this information on the email. I did not receive any email. when I called Nelnet, no individual I spoke with knew anything about an email, nor could they provide any information regarding whether I over-paid on my loans. Although this complaint is directed at Nelnet, the people at XXXX were just as unaware of what was happening and did not provide the requested information. All I want to know is whether I paid past the 240 month threshold, and if so, what payment dates were past the 240 month threshold.This information will help determine if I will receive a refund. Thank you
Company Response:
State: MN
Zip: 55330
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I received a letter from Nelnet dated XX/XX/2023 indicating that my Income-Driven Repayment Plan ( IDR ) application was approved. However, I am also showing my Nelnet account status as " Admin Forbearance ''.
Company Response:
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX and XX/XX/, I received an email from Nelnet stating : Dear XXXX, Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. As a reminder, you dont need to take any action at this time. What to Expect Next If we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. Once we have finished processing your application, well send a letter or email ( according to your communication preference on file ) with the outcome of our review. Our emails are your best source for status updates about your IDR application, so please watch for emails from us. If you need assistance, please visit Nelnet.com/contact, as this is a non-reply email. Thank you for your continued patience.
Company Response:
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A