Date Received: 2022-02-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX, XXXX, and XX/XX/XXXX Nelnet automatically more than doubled the payments for XXXX months on my student loan. Upon calling they offered a credit for the next few months to make up for the increase in what was charged. The automatic payments were stalled from XXXX to XXXX. In XXXX then they charged a late fee because they didn't pull the payments out. A call was made and they refunded the late fee because it was a mistake. The payment was re-established. In XXXX it was realized Nelnet had been charging us 1.25 % more in interest since XXXX because their company put us into a " hardship forbearance '' without our knowledge. Upon calling they said this was done because we had a pause on our account. It was explained that the pause was because they had overcharged us and it was due to the credit that was given to us. The account has always been on an automatic withdrawal and we are not in control of having the pause put on our account. Because of the " hardship forbearance '' they applied this caused us to lose the 1.25 % interest rate discount incentive for making all on time payments. The manager on the phone has verbally agreed that it looks like their company made a mistake but they will not reverse the interest rate and will not fix the problem.
Company Response:
State: ID
Zip: 83404
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: BACK IN THE MONTHS OF XXXX TO XXXX OF XXXX NELNET FEDERAL STUDENT LEARN SERVICER REPORTED TO THE MAJOR CREDIT BUREAUS THAT MY STUDENT LOANS WERE XXXX DAYS PAST DUE WHEN THEY WERE IN DEFERMENT FOR WHICH I APPLIED FOR AND BECAUSE OF COVID WERE AUTOMATICALLY PLACED DEFEREMENT AND FOREBEARANCE AND ARE NOW CURERENT BECAUSE OF SUCH REASON, CONTACTED LOAN COMPANY AND EXPLAINED SITUATION AND THEY REFUSE TO DO ANYTHING OR FIX IT WITH THE CREDIT BUREAUS, AND NOW THESE INCORRECT REPORTINGS HAVE CAUSE ME TO BE DENIED CREDITAND WOULD LIKE THEM CORRECTED ASAP ... ... .....
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This Educational account was marked as 90 & 120 days late without a 30-day late. The said issue has been raised to XXXX but up until now they have not removed this account and keep on reporting this account inaccurately. Moreover, they have not presented any proof to ensure that they have investigated this account accordingly. I want this account to be removed as soon as possible. XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I attend college and I am a 100 % XXXX Veteran, I am reporting on apparent discrimination, in XXXX I was informed that XXXX of my student loans were XXXX and I was no longer eligible for Federal student aid as there is a code in the XXXX XXXX barring me. I was no longer able to attend college for cost reasons and I had to pay back the remaining balance on my account. After contacting the Dept. of Education, I learned that a company called Nelnet was responsible for blocking me from student aid. I contacted them in Spring XXXX and they stated that I could just have the other XXXX forgiven if I submitted paperwork. In XX/XX/XXXX I contacted the company again as I was still being billed for the XXXX remaining debt, they stated it was not going to be forgiven, and that is when I notified them it was discrimination to bar me from a student loan based on my XXXX status, they then offered to opt me out of their discrimination program. They read me a statement about opting out and asked for my verbal consent, I agreed so I could return to college. In XX/XX/XXXX, I returned to college and found out that I was still barred on the XXXX from receiving federal aid based on my status as being a 100 % XXXX veteran, I contacted nelnet again and they said that I am still barred from federal student aid for being XXXX, and they never opted me out, I requested to opted out again and they will send me paperwork, maybe.
Company Response:
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: At the beginning of XX/XX/XXXX, I refinanced my Firstmark Services student loan with a new servicer. Since I was enrolled in autopay on my Firstmark account, an additional {$1000.00} payment was withdrawn after my new servicer paid the consolidation payment, resulting in an ending principal balance of - {$910.00}. I initially called on XX/XX/XXXX and the representative told me that the overpayment balance would be sent to me via check once my account transitioned to " Paid in Full '' status, which would take about 3 weeks. After not hearing anything beyond that, I called on XX/XX/XXXX and was told that a check was sent out to me on XX/XX/XXXX and that I should receive it by XXXX at the latest. After not receiving the check nor any further correspondence from Firstmark Services, I called on XX/XX/XXXX and was told that according to their records, no check was ever sent and that my account was being put into " Review '' status to determine the issue. I was told that I would receive a call from someone on the " Leadership Team '' within 24-48 hours. After not receiving a call by XX/XX/XXXX, I called again and spoke with a supervisor ( name redacted ) and was told that my account was being reviewed by the " Resolutions Team '' to determine if a check had been created, sent, and/or cashed. He also said that a " rush '' was being put on my inquiry to receive a quicker response. Although it was previously determined thatbased on the details for my account in their systemno check had been sent ( and therefore could not have been cashed ), the supervisor said he would look into the details and follow up with me with on XX/XX/XXXX and XX/XX/XXXX ( his work days ) regardless of whether he had updates just so I knew it was still being worked on. I received no call on XX/XX/XXXX and when I tried to call on XX/XX/XXXX, my call was terminated due to the offices being closed. I called again on XX/XX/XXXX to speak with the original supervisor and was told that direct supervisor numbers are not given out for privacy reasons, which I understand. However, when the service representative messaged the supervisor to ascertain the status of this issue, he stated that " there haven't been any updates yet '' despite him saying he would reach out anyway just so I knew it was still being worked onthen stopped replying to the service representative 's messages when she asked him what the next steps would be. At that point, I asked to speak with another supervisor ( name redacted ). While he was friendly and understanding, he said almost the exact same thing as the first supervisor, including that he would give me a call on XX/XX/XXXX regardless of whether there was an update and that he would put a " rush '' on my inquiry. I compiled all of this information and submitted a complaint through Firstmark Service 's customer service system and just received a response saying they were sorry for the confusion and that a request for a " Leadership review '' was submitted for my account, which is exactly what I was told when I called in on XX/XX/XXXX.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Been trying to haveXX/XX/XXXX fix with little or no response.XX/XX/XXXX is reporting in the months of XXXX and XX/XX/XXXX as late payments of XXXX and XX/XX/XXXXdays on XXXX individual loans which are showing XXXX missed payments for these XXXX months. No XX/XX/XXXXday warning given. The account had never began getting payments let alone should only be at the most XXXX missed payments not XXXX. I am enrolled in the payment based on income. Tried requesting an update multiple Times throughout XXXX and XXXX. This mistake is causing an extreme hardship on my family. XX/XX/XXXXt states problem has been resolved when it has not been resolved. XX/XX/XXXX my accounts causing a score of XXXX and denial of any apartment I apply for.
Company Response:
State: WA
Zip: 98107
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet ( and the loan guarantor, XXXX ) are both threatening collection action, call the loan and damage my credit history for an amount the claim is overdue, but I am actually paid ahead. Briefly, I am paid ahead to approximately XX/XX/XXXX. Nelnet claims that I am behind {$2400.00}, or that I started falling behind since XX/XX/XXXX. On XXXX, I received a call from Nelnet that I was behind over {$2500.00}. Since then, I have made 5 calls to Nelnet and 2 calls to XXXX to get clarification and resolve this issue since ( i ) not once in my online account 's dashboard did it ever say I was behind anytime in XXXX ; ( ii ) not a single monthly statement in XXXX showed I had a past amount due ; ( iii ) an account truly behind 9 months would have been reported already to a credit reporting agency and would have been transferred over to the guarantor ; ( iv ) and adding all of my payments in XXXX actually showed I was overpaid ( and still am ) since all of XXXX ; ( v ) no late fees have ever been assessed. I have offered to share my evidence of payments, but no one has been willing to sit down with me ( in person or virtually ) or receive the evidence via email, mail, etc. On XXXX, I spoke to XXXX, Account Manager ( payroll / # XXXX ) who discovered that someone, instead of updating my account to paid ahead to XXXX, actually typed XXXX. Everything unraveled from that point. However, she said it would be corrected within 24 hours by the accounting department ( or 48 if she had to take it to another department ). On XXXX, when I called, I received contradictory information in that the matter would take 8 business days to get a response. On XXXX, I received a letter dated XXXX that Nelnet was calling the loan and threatening credit harm if the " overdue '' amount is not paid by XX/XX/XXXX.
Company Response:
State: WI
Zip: 53719
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have contacted XXXX XXXX and experience concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My lender has been applying my payment to interest only and splitting the loans applying daily interest and charging me for the balance of the total loan offered. Despite the fact that I returned or only borrowed a portion of the original loan. My consolidation company has used the amount of all loans and applying that rate toward interest, by doing so the loan has been extended numerous times. I have been paying for this loan since 2006 and the loan balance has not changed. They are churning and creating new loans and using my original agreement to extend the contracts for another loan. This has happened numerous times as the original loans were for 72 months. I did not agree nor was I advised that this would be happening for the next 14 years of my life. I have tried to work with them but they offer a new loan agreement which would extend my loan payments further and do not offer to change original terms. As a private loan servicer they have no government oversight as consumers we have no rights or ability to change anything they only offer more loan products to extend the life of the loan and we are penalized for making payments late and or not agreeing to their terms.
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NelNet has failed to remove late payments and/or charge off information on old student loan of mine. All of my loans were discharged under the Total and Permanent Disability Discharge program and as such all of my student loan information should be removed from my credit reports. Thank you for your consideration in this matter.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A