Date Received: 2024-01-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: Complaint ID : XXXX I can not respond to this complaint, or other recent complaints on the CFPB website. I get an error message ( " Survey Not Found '' ). Older complaints that I have still not responded to, I am able to. Therefore it is not a technical issue on my end. Additionally I called the CFPB over this twice. The CFPB agent was also not able to access the survey using their own system. Clearly a CFPB employee/contractor has XXXX my ability to respond to complaints within the salesforce database that CFPB uses. I have submitted a complaint to XXXX ( FBI ) over this. Clearly there is someone acting on behalf of the banks that has infiltrated this government agency and is conspiring to prevent me from exercising my right to create a record of what is happening. As to the specific complaint ( XXXX ). Again. I am not and have never claimed identity theft. I am calling out multiple bank failures and associated criminal activity that was exposed to me by the collapse of XXXX. I am not paying the Nelnet loans because I need a bank in order to process XXXX payments, and there is no XXXX bank that is untouched by this fraud, and therefore I have no dollars to repay the debt. I will not have any XXXX for the foreseeable future, or maybe ever if this is not resolved .... I am owed XXXXXXXX XXXX XXXXs by these XXXX and bankrupt " institutions '' .... I will never be making another deposit. So your loan will never be repaid. It is not my fault. I have never even made a late payment to a creditor once in my life. Look at my credit report I stopped paying AFTER I was defaulted on, on election day in XXXXXXXX XXXX XXXX. My collateral was lost by the banks, so that's it. It's gone. Good job, you robbed yourselves. ( NOTE : I CAN NOT ATTACH DOCUMENTS TO THIS COMPLAINT. XXXX ERROR AFTER IT PROCESSES THE DOCUMENT )
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I am unable to access my Nelnet student loan account. I have no access. My account and password information is not accepted. When requesting to reset password ( thinking this will help ) I am told that a reset link was sent to my email. It never is. I've been trying since XX/XX/XXXX. Nothing works. Along with repeatedly trying the above, I have tried to call. The phone system is barely audible, fuzzy, and has extremely long wait times. When the automatic prompt asks me for my information to speed up the process, I enter my soc sec number and XXXX but get the same results. The system does NOT recognize me and loops me back to waiting on hold. On XX/XX/XXXX I sent the following message via their online inquiry form : " Since XX/XX/XXXX, I have been trying to access my online Nelnet account without success. I have requested the ability to reset my password ( by selecting the link provided on your site ). Each time, the Nelnet site says it is emailing an authentication code. I never receive this code or ANY email from Nelnet. For months I have tried. For months, I do not receive the code. I diligently check my Spam and Junk email folders -- -there is no code. There are no emails at all from Nelnet. Of course, being unable to enter my account, I do not know how much I owe or when my due date is, can not enter my change of address, and, most importantly, can not PAY MY MONTHLY BALANCE. I am very worried this will affect my credit rating. Further, calling Nelnet is not helpful as your lines are very busy. Please advise what is the best way to approach this and please delete any negative reflection this will have on my end. Thanks for your help. '' As of today, XX/XX/XXXX, I have not received a response. I have not even received a confirmation email that this uploaded message within their own Nelnet website/system was received. This is beyond NEGLIGENT. Each month that goes by, without access to my account and without access to pay my loan, damages my credit report and builds more interest.
Company Response:
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I recently paid off one of ten accounts in the Nelnet portal on XXXX XXXX. The amount the account owed said {$840.00}. I processed the payment the same day and received an email confirmation that the payment went through. I log in to see an updated amount of {$160.00}, that is now accruing interest. I call customer service and after 40 minutes of being on and off hold, I have to now submit pictures and screenshots of when the account reflected the {$840.00} balance. I was also told that the account was actually over XXXX XXXX dollars, but that is not what their website reflected at the time I processed the payment to completely pay off that specific loan. Where did this mysterious ~ {$200.00} come from???? I uploaded my partial picture from XXXX I had of it ; I wish I would've taken a better picture in hindsight, I did not think I would need it as proof for something of this sort, as well as a screenshot from XXXX XXXX showing that the account was at {$840.00}. I also included the email confirmation I received for the {$840.00} payment I made on XXXX. This is absolutely ridiculous.
Company Response:
State: TX
Zip: 79109
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/XXXX via Nelnet I requested {$1000.00} back that I had paid during the student loan forbearance as our heating bills were very high and I was laid off from my job. They almost immediately added the {$1000.00} back to my account and I have been paying interest on it. One year later and its now XX/XX/XXXXXXXX and they have not given me the refund. I call in every few months to ask about it which always takes 2+ hours and they can never give me an answer. I am thinking I have been scammed and someone stole the money. Can someone please help me I do not know what else to do and I need that money back.
Company Response:
State: ME
Zip: 04106
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account has 5 past due accounts reported with 120-149 days late. This is incorrect, I was under a paid interest program, as i have been fighting with company for 3 months over. Ive attached a letter from previous complaints ive filed, but my credit company needs to be made aware and fixed.
Company Response:
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XXXX XXXX, I was enrolled in XXXX XXXX for a XXXX in XXXX XXXX. I applied completed my FAFSA and applied for a Direct Plus subsidized/I subsidized loan for graduate. Completed master promisory note and was approved DOE. My financial aid officer at XXXX said that I had an overage and could not receive any disbursements unless I contact Nelnet and requested that the overage be applied to current loan. Nelnet never answered my emails or phone calls they even kept me on hold for 2 hours every day. A rep finally picked up on XX/XX/XXXX said a few words, put me back on hold for another 2 hours. I told my FA advisor about it and he said theres nothing they could do. Now I can not finish my education because of Nelnet poor management and customer service. Please help. Thanks.
Company Response:
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been enrolled in a degree program at XXXX since XXXX. I am expected to be enrolled until XXXX. At first my loans were with Great Lakes, and were transferred to Nelnet sometime during covid. When the covid repayment pause was lifted and repayments began in late XXXX, I didn't worry about it at all because, as I said, I have been and will continue to be enrolled in school, and when that is the case your payments get deferred. I checked my account status in late XXXX, around XXXX I believe, and I have all these notifications about my account being past due, despite being enrolled in school. Mind you I didn't check it sooner and was never worried about it because, again, I was enrolled in school and should have never had a payment due. I figured there must have been an oversight or a glitch when restarting the payments since covid, and after being on hold with them on the phone for well over an hour I decided to use their email service. I also was in touch with my school during this time to have it worked out. Several weeks later I see my account was updated, I get notices that my school deferment was " approved '' ( it should have never stopped ), and that I won't owe anything until XX/XX/XXXX. I figure that's the end of that. For the last 2 weeks or so I've been getting spam calls from debt collectors, even though I shouldn't have any delinquent accounts. Today I check my credit score, and it has dropped over XXXX points due to missed payments from these loans, payments that I should have never had due to being a student. This oversight is affecting my day to day, my spam calls, and now my financial health. I have bad marks on my credit and now a " poor '' credit score due to Nelnet 's oversight.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: According to the cares act Covid 19 forebarance late payments should not be on my credit report.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet has misreported my enrollment data which has prevented me from consolidating 2 student loans in the last 3 attempts. consolidation attempt 1 : XX/XX/XXXX consolidation attempt 2 : XX/XX/XXXX consolidation attempt 3 : XX/XX/XXXX ( 1 XXXX XXXX XXXXXXXX XXXX and ( 2 ) Loan XXXX AR both currently XXXX appear in the plaintiff 's Nelnet account ( " XXXX A '' ) as having an " in-school '' status. -These loans were taken at XXXX XXXX XXXX where I haven't attended since XX/XX/XXXX. -I called XXXX XXXX XXXX who has confirmed they have been reporting me as not enrolled there since XX/XX/XXXX. -I called and created a case with Nelnet and for over a year they have neglected to correct the issue. -I initiated a lawsuit against Nelnet and they still are neglecting to even address my issue but instead have filed a motion to dismiss the case without fixing the problem. Their Counsel seems to not be understanding the issue and stated that my loan is not in repayment status when I clearly explained in the attached complaint that my 2 loans from XXXX XXXX have wrongfully been classified as in-school status since XX/XX/XXXX even though I'm no longer enrolled there. -The problem is on their end as they need to resolve the error in their system that has me classified as enrolled in XXXX XXXX so that the loans can be included on my most recent consolidation. -I 'm uploading the court filings including : the complaint, the exhibits and the reply I received from Nelnet General Counsel.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A