Date Received: 2020-05-29
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: DEPTEDNELNET reported several accounts inaccurately. The late remarks started late 90 days right after a good payment in XX/XX/2019.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
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 was shocked when I reviewed my credit report and found late payment on the dates below : NELNET LNS XXXX 2019
Company Response:
State: MA
Zip: 02021
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I appealed a late payment fee for classes dropped prior to the refund ending date. This was mostly due to high phone call volumes for the financial aid office and from the university posting statements the same day as the refund deadline. This made it to where I was unable to get correct and timely information on if my loan would cover my classes. While dealing with this I was also dealing with my advisor not changing my major correctly and then having classes automatically dropped as well. Once the deadline ended I finally reached a useful representative from the university that told me I would have to pay {$600.00} to not have to drop a class. Unable to afford that along with other expenses I dropped the classes. I was charged late registration fees for classes I was automatically booted from. I was hoping at least for the 75 % refund I was guaranteed. Instead, I was somehow charged twice for the same class. Receiving a 25 % refund on one, as well as a 75 % refund on the other. Even though my student account states both classes were dropped on the same day. Which is also proving it was way before the refund deadline. I appealed this in early XXXX and received an email back on XX/XX/2020 from the University and Student Business Services Appeal Team department stating " the appeal process will take a minimum of 10 weeks once we have received all required documentation. Then on XX/XX/2020 I received a message stating " The Bursar 's Office has completed the review of your appeal requesting an exception to the University 's policies. After careful consideration of the documentation provided, we are unable to approve your request. '' I believe this is wrong, deceitful, as well as a terrible way to start out with student loans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have had a student loan w Nelnet for many years. Right after graduation they convinced me to consolidate so I would have one payment and one account. I did and it locked me into a higher rate then I might have gotten if I had waited. Never the less I have been paying on it for over 10 years and been a loyal customer who will be with them for many to come due to my principal balance. I have a good payment history with them. I made a mistake and un-linked my payments in my online banking and became delinquent. I shred my statements but when I realized that something was amiss because it was alerted on my credit report monitoring I called and took care of the balance that day. I take responsibility for my mistake. However, Nelnet has reported it as two separate loans past due on my report. Basically doubling the impact of the mistake. I have one payment. I understand they have it listed as two loans in their system for their purposes but this is an unfair burden because it has caused a severe impact to my credit score. I asked if there was a way to only report one delinquent or amend it due to my positive payment history. They refuse and are disinterested in assisting me. I have called and spoken to several people- getting conflicting information. I finally spoke to someone in the dispute department and there was nothing he could do. It is preventing me from refinancing my home and is putting my family in a position to overpay. I did not ask them to not report my mistake - only that it should not look like six missed payments on my report only three. This is not the first negative interaction I have had with Nelnet. Years ago I signed up for their automatic payment program and a few statement cycles later my principal increased by several thousand dollars. I called in a panic was informed that in the fine print of the program enrollment that it was one of the terms. I was shocked that that would be buried as a term of a payment agreement. I have little faith in them to do right by people like me who have paid a ton of interest and made no headway with on their loan debt. I am hoping that someone can help me find a resolution so that I can move forward and refinance our home and begin saving for my children to go to college. I do not want them to carry the same burden I have.
Company Response:
State: MI
Zip: 48045
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have 6 Nelnet student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of 2019. This is incorrect. I have disputed this with all three bureaus and they left it on the file. On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with Nelnet. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as Nelnet does not allow it. On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with Nelnet. I explained to him that I was in school up until the end of XXXX of 2019 and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. The college in this case is located in XXXX XXXX XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by Nelnet. I am a nurse on the front line of this pandemic. The breakdown of communication between the college in XXXX and Nelnet should NOT be falling on my shoulders. Nelnet needs to remove this delinquency from XXXX until THEY work out their communication problems. The FCRA section 605 requires that Nelnet provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that NELNET does not have access to the current status due to this pandemic.
Company Response:
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 180 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Please see attached screenshot showing Nelnet is charging me interested on my E student loan during the CARES act timeframe when no interest should be charged.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My ( XXXX XXXX XXXX XXXX ) credit report concerning my Nelnet Student account is inaccurately reported. On XX/XX/XXXX, I submitted a letter to Nelnet Student Loan about the inaccurate information on my credit report which shows I was late making payments on XXXX, XXXX, XXXX, XXXX XXXX and XX/XX/XXXX. I filed a forbearance application in late XXXX for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. My credit report is showing forbearance starting XX/XX/XXXX. In my forbearance application to Nelnet, I requested that my forbearance start XX/XX/XXXX for one year because I fell and injured my XXXX. I am making an official complaint to the credit reporting agencies to have corrections made on my credit report.
Company Response:
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-25
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 sent Nelnet a factual dispute of my credit report. I DID NOT USE a credit repair company. I pulled my 3-bureau report from XXXX and noticed several instances of Nelnet violating the FCRA specifically in sections 623 and 611. Please investigate both of my attachments.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2020-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/NELNETDispute DEPT OF EDUCATION/NELNETDispute DEPT OF EDUCATION/NELNETDispute DEPT OF EDUCATION/NELNETDispute XXXX XXXX XXXXDispute
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2020-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A