Date Received: 2023-09-05
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: XXXX account is a spousal consolidation loan ffelp that I have requested to have placed into Admistrative Forbearance while waiting for the paperwork to separate the loan. Case number XXXX has been referred over to the XXXX XXXX XXXX and I am waiting for the paperwork. Nelnet has not responded to me making the request by email and when I advised them of the request over the phone they say they couldn't since they have not received the instructions to apply forbearance.
Company Response:
State: FL
Zip: 32514
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loan was discharged from the XXXX XXXX XXXX. Shortly after that this company called Nelnet starts to send me letters that I have to start making payments to them. My student loan debt has already been forgiven.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I submitted a payment for the full amount of all of my student loans on XXXX Looking through my email I never received an email saying my payment had been received. The payment continued to process for 2 days. During this time I continually checked my Nelnet account and the account showed the full amount of my loans was paid. Apparently on XXXX the payment was returned to me due to a possible typo in the account number. I had checked the account number three times before submitting the payment. XXXX was a Wednesday. My Nelnet account still showed the entire amount of my loan had been paid off. OXXXX XXXX, a Saturday ( Nelnet is not open ), I was sent a letter saying my payment had been returned to me and I still owed the full amount of my student loans. My loans were already starting to accrue interest. Keep in mind I paid in full before XXXX when student loans began accruing interest again. I called Nelnet and listened to the automated voice tree for nearly 15 minutes, before finding out Nelnet was not open until Tuesday as Monday was XXXX XXXX. By Tuesday my loans had accrued more interest. I called Nelnet and was on hold for 1 hour 54 minutes before speaking to a servicer. I was then told that I had made a mistake so my payment had been returned, and I was responsible for the interest accrued during that time. I explained to the servicer that, had I received the letter the day my payment was returned, I would have again paid off the loan before XX/XX/XXXX. Instead my loans accrued interest for 5 days before I could contact someone to talk about what had happened. I was told again the interest was my fault and I would have to pay it so I asked to file a complaint with someone. I was put on hold again for over an hour when my phone disconnected the call. I was not called again even though it had taken over 3 hours to get to the point I was, the call tree said it would be a 135 minute wait to talk to someone again. So now I'm hoping that my payment will go through this time and hoping not to accrue even more interest while waiting for the payment to post. This is a crooked business practice.
Company Response:
State: MN
Zip: 55330
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Trying to switch to SAVE Plan. No one at Nelnet is answering the phone and no one is answering email. Application is still processing and it has been longer than time it would take to switch.
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I currently have around XXXX XXXXXXXX XXXX on capitalized interest. On XX/XX/2018 I sent to Nelnet {$5300.00} to cover the capitalized interest but apparently they put the money towards other interest because the capitalized ones remained untouched. I did not missed any other interest payments after that day and again, I still have those in my account.
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet keeps listing my account as having past due payments. When I paid, they didnt credit the account. I disputed 3 transactions and the bank returned my money. Account was once again showing past due, even though Nelnet is supposed to write off this amount due to the XXXX vs XXXX class action settlement and return all the money paid. I once again paid to avoid any issues while they work out the settlement process of returning money and discharging the debt, but once again they did not credit my account, even though the money was pulled out from my checking account.
Company Response:
State: GA
Zip: 30068
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As so XX/XX/2022 I get an email and phone call out of nowhere from a company called FirstMark services saying I owe a debt yet they don't know where it came from but they were quickly trying to put me on a payment plan. I was too busy at the time to really look into it but over time the calls increased and they kept trying to pressure me into making payments and threaten to damage my credit report. So when I asked for proof of agreement they weren't able to provide that information. So when asked about where they got my information from they just kept saying another company which isn't helpful. I've disputed this information multiple times but they kept bringing up an balance that I was not aware of and doesn't provide you many options to dispute the debt so its either pay it or have bad credit. I would like to get this information removed from my credit report as it has to be identity thieft.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received form 1099C from Nelnet for the amount of {$70000.00}, however my account is still showing an outstanding balance. This document was received around XX/XX/2023. I've tried reaching out to customer service and I've submitted an email with no updates and no change to the account nor my consumer report. A copy of the 1099C is also attached.
Company Response:
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
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 FM/FIRSTMARK SERVICED 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 FIRSTMARK SERVICEDs customer service representative.
Company Response:
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
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 EDUCATION/NELNET XXXX XXXX DEPT OF EDUCATION/NELNET XXXX DEPT OF EDUCATION/NELNET XXXX DEPT OF EDUCATION/NELNET XXXX DEPT OF EDUCATION/NELNET XXXX DEPT OF EDUCATION/NELNET XXXX XXXX DEPT OF EDUCATION/NELNET XXXXXXXX. 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 NELNET 's customer service representative.
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A