NELNET, INC.


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"Products" offered by NELNET, INC. with at least one, but usually more complaints:

Checking or savings account - Checking account
Consumer Loan - Installment loan
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Virtual currency
Mortgage - Conventional home mortgage
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Other financial service - Debt settlement
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Loan

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Complaint ID: 4307524

Date Received: 2021-04-18

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: on both XX/XX/2021 and XX/XX/2021, I sent dispute letters to all three credit bureaus for the accounts on the letters attached to this complaint. I then followed up with a demand and comply. Lastly, I sent settlement letters for the violations on behalf of each credit bureau. I have yet to get any responses with results or notice of inaccuracies with my disputes. All letters are attached to this complaint. this is also a follow up to complaints XXXX and XXXX

Company Response:

State: PA

Zip: 19139

Submitted Via: Web

Date Sent: 2021-04-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4304692

Date Received: 2021-04-16

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: Discovered that Nelnet does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of Nelnet. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. Nelnet never communicated with me to notify me of loan payments being due.

Company Response:

State: AZ

Zip: 85225

Submitted Via: Web

Date Sent: 2021-04-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4303066

Date Received: 2021-04-16

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: Nelnet or it sister company have not been truthful about my interest rate or ability to qualify for the public service loan program over the years when I was denied. They have also been devious in terms of switching my loan between their two companies in order to make repayment more difficult by changing the manner in which the funds are applied to the loans. When Nelnet sent me documentation, they admitted they have been charging me at a rate of 6.13 % instead of the actual rate which was 5.875. When my payments began I had already deferred my loans for approximately five years while working in a XXXX XXXX because I could not afford to pay them, and I was told I did not qualify for the program. Great Lakes accepted my loans when I was on XXXX XXXX XXXX in XXXX. At all times from the day I began paying Great Lakes until XX/XX/19 I was employed at either a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and/or by the United States XXXX. I was denied on several occasions the ability to qualify for the public service loan forgiveness program.

Company Response:

State: SC

Zip: 29016

Submitted Via: Web

Date Sent: 2021-04-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4300564

Date Received: 2021-04-15

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: I am requesting proof that I am indeed the party that the US DEPT OF EDXXXX and NELNET/90000043873 are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The US DEPT OF ED/XXXX is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX ) this action might constitute fraud under both federal and state laws. I shall hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.

Company Response:

State: NY

Zip: 10940

Submitted Via: Web

Date Sent: 2021-04-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4298912

Date Received: 2021-04-14

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: My name is XXXX XXXX XXXX XXXX, I am submitting this complaint for myself, XXXX. Fact, the fair credit reporting act states that the banking system is dependent upon fair and accurate credit reporting so be, and I have been violated by this debt collection company. I have also been violated under the Truth In Lending Act and FDCPA by this company and lawfully demand remedy as a US consumer. PLEASE properly address & remedy the attached documentation.

Company Response:

State: CA

Zip: 92532

Submitted Via: Web

Date Sent: 2021-04-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4297759

Date Received: 2021-04-14

Issue: Dealing with your lender or servicer

Subissue: Don't agree with the fees charged

Consumer Complaint: In XX/XX/XXXX, I contacted Nelnet, a student loan servicer, via its website. The website is filled with information related to COVID-19, needing help with student loans, etc. The website states that during a COVID-19 forbearance interest is not capitalized. The website discourages borrowers from telephoning and encourages borrowers to apply for forbearance via its website. I used the website to apply for a forbearance for a COVID related income reduction. This was good for 90 days. I utilized the same process in XX/XX/XXXX. In XX/XX/XXXX, I learned that my Economic Hardship application was denied and I would have a {$750.00} payment due that month. I could not pay that amount because my net income is $ XXXXmonth. I called again and was told I should apply for the Income Driven Repayment Plan, which I did the same day. I was also told I would get another 90 day forbearance because I said my repayment problems were still related to COVID. On XX/XX/XXXX, I learned that Nelnet did not give me a COVID forbearance that would not capitalize interest and instead gave me a " general forbearance '' whereby accrued interest would be capitalized into the principal. I feel like Nelnet engaged in a " bait and switch '' as to the forbearance. During my call on XX/XX/XXXX with Nelnet, I learned it was not possible to obtain a COVID forbearance via their website and that anyone with my type of student loans ( Federal Direct that were consolidated ) had to call Nelnet to obtain the COVID forbearance. This was incredibly misleading and I believe that this is an illegal " bait and switch ''. To a lesser extent, I am also complaining the IBR program was not fully explained and I believe I was pressured into it because Nelnet did not want to give me another COVID forbearance despite the fact I had to remind the Nelnet rep I knew that the COVID forbearance was extended to XX/XX/XXXX. XXXX Knowing now that I never had a COVID forbearance and instead got a " general forbearance '' makes me even madder because the rep on my initial call in XXXX should have realized the mistake and brought to my attention. ) I have already been paying on my student loans for 20 years. Why would I want to move to a plan that is based on " forgiveness '' instead of repayment? Today I learned that this plan calls for me to make payments for 25 more years. I will be XXXX years old. I think I would be better off waiting for my income to return and utilizing the COVID forbearance in the meantime to avoid default. And they would not let me " undo '' the IBR program once I learned the additional facts. In fact, there was no undo option even though I was just advised I was accepted today and have not made any payments under the plan. Again, another " bait and switch '' tactic by Nelnet..

Company Response:

State: FL

Zip: 34601

Submitted Via: Web

Date Sent: 2021-04-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4297685

Date Received: 2021-04-14

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: On XXXX I signed up for Auto Debit of my payments and received email confirmation. On XXXX I signed up for Auto Debit of my payments and received email confirmation. On XXXX I have AGAIN signed up for Auto Debit of my payments and have received email confirmation. Their failure to keep an Auto Debit ON has harmed my credit score and is a system failure at the MOST BASIC level of financial services - automatic payments. As frequently as this has occurred I would be surprised if others are not impacted as well.

Company Response:

State: IL

Zip: 61614

Submitted Via: Web

Date Sent: 2021-04-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4295170

Date Received: 2021-04-13

Issue: Dealing with your lender or servicer

Subissue: Problem with customer service

Consumer Complaint: This Corporation took over some fictitious debt that was given to a XXXX XXXX/XXXX, that was given to the purported Debtor XXXX XXXX XXXX/XXXX. The actual Debtor is THE DEPARTMENT OF EDUCATION, holding the Creditor who is XXXX XXXX King/Brooks responsible for a fictitious Debt. Being an American Woman on the land and soil on Georgia for about 44 years and knowing that me personally doesnt have debt. The XXXX XXXX scam has gone on for us ( Americans ) in the United States for 4 or more generations. I am an American State National with rights to make sure that I am not charged for the Debts, taxes for the Corporations and I am not a State Citizen, a Federal United States Citizen, or a Territorial United States Citizen, nor a Municipal Citizen of the United States. In which they thought in XXXX the Corporations Act was ratified but it wasnt it is a shame that we have to fight with Corporations who feel that they hold the key to your future but in essence they do not. The only way that big corporations will be able to understand that XXXX XXXX KING/BROOKS is not the XXXX of the state for big business to kick around with no real cause for the abuse that has been hurled my way. Our government has been in abeyance for 150 years and Americans have been dumbed down and not paying attention to what was going on for more years than that. TXXXX XXXX XXXX reporting agencies know that my name is not XXXX XXXX XXXX, and they as well as any corporation can twist me up and have me the living woman enter twined with a dead thing. This has been done for quite some time and it is going to stop. A wet ink signature has to be shown to the living woman and her purported corporations. There are different laws governing contracts nothing has been implied or a unilateral contract which is with myself and nobody else. The impersonation/fraud has to stop now and I dont have any contracts with THE DEPARTMENT OF EDUCATION and their Duns number is XXXX AND XXXX XXXX XXXX. I need the living man to show that contract. It has to be an equitable exchange there is none. The Purported Government is saying I have to pay taxes on the Student Loans but there is no law requiring an American to pay Income taxes on their earnings from the time I worked in XXXX to XXXX. But taxes have been paid and The Internal Revenue Service ( IRS ) Duns number ( XXXX ) has zero authority to collect anything but they took XXXX out of my Social Security which has to be returned as well as all of the taxes that were paid to IRS, saying it was taken for purposes of paying the tax to THE DEPARTMENT OF EDUCATION. Misappropriation of our labor and the I have included my birth certificate ( which is void for fraud ) along with several other documents to show that my given name was considered a PERSON/CORPORATION and not a living breathing woman. I want this Chief Executive Officer ( XXXX XXXX ) to come to court and testify that I am a CORPORATION, he needs to testify for GREAT LAKES, and say that I the woman owe this CORPORATION money, there is not money. Only Credit Because the Federal Reserve is a Private for profit CORPORATION and the only way that it can be paid is by gold and silver. They have been getting away with the sig norage of the XXXX dollar value of XXXX cents leaving XXXX cents profit and the XXXX dollar profit of XXXX for quite some time this is a very bad situation for the injury that has been suffered for quite some time as an impersonation scheme. The Debt was sent to GREAT LAKES, three times and has not been set off yet, and I am wondering what is clear about this debt being the XXXX XXXX/XXXX debt and not the living womans because living people dont have debt. This has been going on for a while and all of the questions have to be answered about the criminality and so how is this going to come to an end. It is going to have to go to court and everybody has to be transparent in dealing with the American Nationals and the CORPORATIONS. My mutual offset credit exemption exchange should be done like I asked them to do previously, and they are not doing what I have asked. So the judge will want to know why not, and knowing I am owed at least XXXX XXXX dollars since birth. Please tell me why you dont want to get this out of the way and tell the 3 credit bureaus that it has been done. We have to wake up and do the right thing. Transparency is KING. But this merely rear-ends the actual singularly traitorous " Act of XXXX '' which, again, deals with the subject of corporations -- -- and let 's headline this with bold letters so that everyone gets off the Old Saw about the Municipal Corporation Act of XXXX and instead has a full nose of the treason committed by the Rump 41st Congress as of the Second of XXXX of XXXX, Chapters 62-65, in which the Congress declared itself to be the " successor '' of all United States corporations and the property of all said corporations. Let 's get this straight -- the members of any " Congress '' convened in its Territorial or Municipal capacity never had any authority to make such a claim, not in XXXX, not in XXXX, and not today. There is absolutely no shred of valid interest involved here, no contract, no equitable consideration, no vested authority, and certainly no consent I have one contract with YOU the Constitution and I am owed the protections enumerated in the Constitution YOU that are sworn to uphold to protect my rights. I have been misaddressed by all of these CORPORTIONS and with their bankruptcies being dismissed they also need to dismiss these fraudulent charges on the living breathing woman. This dead XXXX XXXX KING/BROOKS is not me. I am a peaceful Third Party non-combatant who is owed the Law of Peace and I refer you, Sir, to XXXX so that you can see in military terms exactly what kind of law and exemptions and reparations I am owed. BY : XXXX XXXX XXXX XXXX rights reserved

Company Response: Company believes it acted appropriately as authorized by contract or law

State: GA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2021-04-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4293813

Date Received: 2021-04-13

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: I have made an attempt to get my 1098-E for the tax year XXXX on my student loan servicer. I have received an email in XXXX saying this is available but it no longer appears available. I asked customer support for this document and they directed me to make an account on studentaid.gov which explicitly states it can not provide me my 1098-E. This is massively inconvenient as creating an account for studentaid.gov is a multi-day process and I am just wasting my time now to obtain a document I need for my IRS filing.

Company Response:

State: TX

Zip: 75052

Submitted Via: Web

Date Sent: 2021-04-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4292670

Date Received: 2021-04-12

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Investigation took more than 30 days

Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company Response:

State: VA

Zip: 23666

Submitted Via: Web

Date Sent: 2021-04-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.