Date Received: 2020-02-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Loan paid in full. Have requested negative marks to be removed multiple times
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My name is showing on my report incorrectly and I have made numerous attempts to rectify, unfortunately to no avail. Additionally, my credit report reflects serious delinquency and my payment history is 100 %. My full credit report shows late payments ( 90 days ) with my Nelnet account in XX/XX/XXXX. However, from XX/XX/XXXX thru XX/XX/XXXX my status shows as OK. My status returns to OK in XX/XX/XXXX and shows a NR status until XXXX of XXXX when it returns to OK. My student loans were placed in forbearance on several occasions from XX/XX/XXXX thru XX/XX/XXXX due to my financial hardship due to my medical condition. Once my health improved and I contacted Nelnet to resume payments I was informed of the late payments and once my case was reviewed I was told that all negative reports would be corrected. The fact my account showed ok in XX/XX/XXXX and 90 days late in XX/XX/XXXX is a clear indication of incorrect reporting from Nelnet. I have been trying to resolve this issue for YEARS and really hope this agency can facilitate a resolve.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On my credit report from all three bureaus, it lists several of my federal student loans were 90 days past due in XX/XX/2015. I was in school full-time during this, so it should have been in deferment. I have filed two disputes at all three credit bureaus, and a message to my loan servicer Neltnet. They have denied to fix, despite me sending in a transcript showing I was in school and only have included a note from me that I dispute. This is causing me to get denied for housing, car, etc.
Company Response:
State: SD
Zip: 571XX
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent multiple debt validation letters to the credit bureaus and the company with the most recent letter dated XX/XX/19. I have never received a written response from the company. Once I submitted the last letter, I noticed on my credit report where they had closed the account and marked it as paid and then 1 or 2 months later, the account was reopened again. I have also contacted them by phone where the representative told me that they did not have nor could they produce a contract that I signed with them. I have tried to resolve this issue for the last year with no avail. However, they continue to report incorrect information on my report without responding to my debt validation request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been with Nelnet since XX/XX/XXXX and my loan balance has not been reduced even though I have been paying monthly and have not missed payments. In fact, my loan balance has increased. I wrote to Nelnet in XXXX, after speaking with an agent at your company, and said that I was willing to settle the loan at {$25000.00}, but they did not respond regarding this, only that they do not refinance loans. My oldest statement on line is from XXXX and says I have a balance of {$57000.00} and my latest statement from XXXX, XXXX says I have a balance of {$58000.00}.
Company Response:
State: NC
Zip: 27858
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My student loans are currently with NelNet, and currently in deferment until XX/XX/XXXX. It wasn't until I recently pulled my credit report that I discovered over the last few years they have reported me late to the CRA. I contacted NelNet and inquired about the late payment reporting since I was in deferment. They requested documentation that I had in fact requested the deferment. I supplied the request for XXXX, XXXX and XXXX. The external customer service department [ XXXX ] informed me that they would not adjust XXXX because it was to late. She also indicated XXXX would require management approval. In regards to XXXX, she called me on XX/XX/XXXX, and told me the request was denied. The reasoning was my email requesting the deferment did not specifically say " YES '', and therefore would not be adjusted. I think this is unfair and inaccurately reported and has significantly impacted my credit score to the point I was unable to purchase a home.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: for XXXX after working 30 year 's. I give you my word that I am getting to the bottom of this for ALL STUDENTS for ALL GENERATIONS these kid 's don't stand a chance in life if they're starting off in the negative. Thanking you in advance. XXXX XXXX XXXX PS I'm attaching copies
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My student loans are reported as delinquent in XX/XX/XXXX and XX/XX/2017 and they were not. I received a deferment of payment for a year due to a medical emergency and it doesn't show and has been reported incorrectly. I want it removed and my XXXX score returned.
Company Response:
State: IL
Zip: 60406
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I was never notified that my loan went out of deferment which is now showing as late payments on my credit report. I am trying to buy a home for my family and these are standing in my way! I never received a phone call about it as well.
Company Response:
State: CT
Zip: 06340
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am XXXX XXXX XXXX and have applied for the XXXX discharge months ago. My balance keeps going up with no explanation and negatively being reported on my credit report when I don't even have a payment due! I have submitted all of my letters from Social Security XXXX to Nelnet to prove this.
Company Response:
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A