Date Received: 2019-07-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I HAVE BEEN MISS LED " BY NELNET WHO IS MANAGING ALL MY STUDENT LOANS, AND THE US DEPARTMENT OF EDUCATION ' ALL MY STUDENT LOANS ARE REPORTING ' DUPLICATE LOANS EVERY TIME I CALL NELNET AND THE DEPARTMENT OF EDUCATION, THEY HAVE LOANS THAT ARE NOT REPORTING ACCURATELY. THIS PRACTICE HAS RUIN MY CREDIT MY LIVELY HOOD AND ANY CHANCE FOR A JOB IN THE FIELDS THAT I WENT TO SCHOOL TO OBTAIN A PROFESSIONAL JOB.
Company Response:
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Nelnet student loan servicing has been reporting to my credit report even though I never selected them as my student loan servicer. I did make an inquiry however I selected XXXX as my loan servicer. Just because I made an inquiry about their practices did not mean I selected them and they had no right to report anything to my credit report. I contacted them and explained that I made an inquiry that led to this mistake/assumption that I may select them, however, I did not. I ended up selecting XXXX. I made several calls to Nelnet and finally worked with XXXX who spoke with her supervisor and they agreed to remove all reporting, ( including the " closed '' accounts reporting ) from my credit report because that is actually untrue. I never had an account with Nelnet to close. The reporting was removed but then two months later all the so called " closed accounts '' are appearing again on all my credit reports, even though Nelnet agreed to remove the false/inaccurate reporting. Here is the contact information for : XXXX, XXXX Representative XXXX direct line XXXX customer service line
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
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: Nelnet is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued XXXX for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure. 2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy. XXXX is already in deep legal issues when it come to this account as Nelnet and XXXX have created acts of forgery.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2019-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I can not get Netlnet to update my name. They keep asking me to scan and rescan the court decree. I sent them the exact same file I sent to other financial institutes such as XXXX, XXXX, XXXX, XXXX etc with no issue, yet for some reason Netlnet does not seem to be able to " read '' it. If they can not even read the original scan, how do they expect to read the secondary copy off off the original scan via fax? And they can not handle things electronically, they expect me to mail in the original copy. They really expect me to have faith in them to handle my only original copy with care while a simple thing such as changing name they can not process. What a waste of time.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2019-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Two months ago, I made an extra payment toward principal. My servicer, Nelnet, has a check box that says " Do not advance due date '' if you want to make a payment toward principal. I selected that box. They did not apply it toward principal and instead advanced my due date. I called and they corrected the problem and told me they corrected it for future ones too. A month ago, I made another extra payment toward principal and again selected the checkbox that says " do not advance due date. '' Again, they advanced my due date. They are systematically disregarding the " do not advance due date '' checkbox, which requires me to call each time. I have no idea if I am being charged interest in the meantime.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2019-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX I called Nelnet and was told I needed to send in documentation for an Income Driven Repayment plan. I had done this in XXXX and was told everything was received. I agreed to send it in again. After sending my docs a few days later I called Nelnet on XX/XX/XXXX. I asked if my documents had been received. I was told yes, my Income Driven Plan was completed and my next payment would be {$0.00}. I also logged into the site a fee days later and it said next payment due XX/XX/XXXX {$0.00}. On XX/XX/XXXX I received an e-mail stating that documentation was needed to reflect my gross pay in order to complete my IBR application. I had already sent this in and been told it was received and completed. I called back on XX/XX/XXXX asking about this and was told docs had not been received and on XX/XX/XXXX I had a payment due of {$270.00}. I explained what I was told on XX/XX/XXXX the rep was rude said it didn't matter the docs they needed weren't there and there wasn't enough time to send it in. I escalated to a supervisor and asked to have the last2 calls pulled. They said they will coach the rep. I re sent the docs in but I don't trust these people. Compliance was broken wrong info was given that can result in a negative impact to my credit report. The call center gives wrong info constantly and they are supposed to help us. I advised them I was making a complaint and they gave me this site.
Company Response:
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2019-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/XXXX, as I was approaching to start my first semester as a newly fresh XXXX student, I applied for deferment as I was used to be on while attending school. Nelnet Student Loan Service Company failed to notify me if I was on deferment or not, I was used to never hear back from the Department of Education which was my original loan provider. All of a sudden I wake up one day and noticed my credit score dropped over 100 points. I immediately checked what happened, just to find out that Nelnet reported to the credit bureaus that I had 7 late account payments!!! I immediately called Nelnet to find out why that happened if I was supposed to be in deferment. The company stated that the school never notified then back that I was enrolled in school. I informed then that it has to be a mistake and that I was going to personally get proof of enrollment from the school and fax it to then so they can adjust all those late payments they reported. I went to school, got the official enrollment letter and faxed it to Nelnet. A couple of days went by and I called then back since they wouldn't bother on contacting a consumer like the Department of Education used to. So now they argued that at that point, the reason why I was not in deferment was because I did not qualify!! According to then, as a XXXX student and working full time in the XXXX XXXX XXXX XXXX, I needed to be full time enrolled into the degree. I tried numerous times to resolve the issue with the company and they just ignored each one of then. If I were aware that I needed to start paying my student loan and the deferment would not be into effect any longer, I would have done it without hesitation or without unconsciously try to damage my credit which I hardly work for. I even did some researches online about how to resolve the matter with Nelnet, I noticed many other consumers explain how they resolved their problems with Nelnet, with a goodwill letter. I wrote then a immaculate professional and checked by experienced personnel letter and they still declined to solve my problem, called me on the phone and stated that they do not do goodwill adjustments. My main problem is, that if the company sees that there was an issue of communication, there was an immediate response to solve the problem and find out what happened, they also see that a was into a new program transition, and even considering that this is a small STUDENT LOAN ( which just the word Student says it all ), is not an excessive amount ( XXXX, the result of XXXX with interests ), why is the unfair abuse of power over people financial burden. Where is the FAIR reporting act that this company is applying to students? Late reports on a credit, stay there 7 to 10 years preventing STUDENTS, not criminals, from any credit worthiness. The date is XX/XX/XXXX, and the issue has not been solved. First : The company fails to notify of actions, reports or manage to inform their clients of consecuenses. Second : There may be new rules I was not aware of as a new graduate student which should have been taken into consideration. Third : The Company is reporting 7 accounts being late when I only have 5. Fourth : The company failed to even accept a goodwill adjustment based on these issues, is not like it has happened before or I was ever a late payment client. So why for some clients the goodwill adjustment works? Is it who you know? Is it a favoritism, race, or type of characteristic that I am missing? I though reporting credit was a FAIR ACT ... Fifth : This is a Student account, not a personal loan for a luxury car or a credit card that I took on vacations. Why are the credit bureaus letting these corporations abuse and unfairly damage students credit scores and financial futures? It would also be fair that if you guys will continue to abuse from my credit, to report it fairly, i have and pay 5 accounts, not 7, not a million. Everything counts when reporting credit becomes UNFAIR. And when abusing students financial issues. I will attach my credit report and ask if I have any late payment on my credit history other than STUDENT LOANS 7 LATE PAYMENTS!!!!
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2019-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-28
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Called twice to ask for my account number for each individual loan reporting on my credit report. The associate claims they are not allowed to give it out to the consumer. Manager during the conversation that he needs to know what I need it for first. I told it qas for the irs. And he still refused. There is currently no way to get my full account without they're corporation. Account need to be verified and this company need to extorted for bad consumer practice. Please show the policy in which your not suppose to provide the clients information after they've proved to you that the account belongs to the person?
Company Response:
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2019-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I wasn't aware of the derogatory remarks made to my credit score until XXXX of XXXX while trying to apply for a loan forbearance. Last year in XXXX and XX/XX/XXXX Nelnet made derogatory remarks which impacted my credit score. I have attempted to apply for a forbearance due to my financial situation at that time. Upon contacting Nelnet they state that XX/XX/XXXX was the first time I reached out to them to discuss my past due balance, which is incorrect. I know for a fact that I spoke with someone prior to XXXX. As a matter of fact I've had numerous issues when contacting them, but I remember it because I was calling regarding my application and they were having computer issues of some sort. I have applied for a financial hardship of some sort and it had not been processed or processed correctly. I have made every attempt to keep my student loan in order and have called numerous times throughout the years to check on my status. Now due to some mishap that happened, I am the one who is paying the price with derogatory reporting. Never once did they let me know that they had reported it until I pulled my credit score. It was unfair how this took place, as I've followed up to make sure that forms were completed properly. Just to mention half the time that I spoke with someone there they always gave me the run around and no one knew what they were doing and every time I called I got a different answer from everyone. It was my mistake I wasn't into detail to take notes as I was always getting the run around. I have sent them a letter XX/XX/XXXX and still haven't heard anything back. I am attaching a copy.
Company Response:
State: WI
Zip: 53154
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: In XXXX I changed Loan Consolidation Companies from XXXX, North Carolina XXXX XXXX XXXX, and XXXX to a third party online Federal Student Loan Consolidation Company called XXXX. XXXX XXXX and I had several conversations about the new management of my XXXX XXXX and XXXX XXXX and he assured me that my Education wouldnt be at stake. I suffered from an accident inside of my own home in XXXX when all of the sudden I was out of commission and struggling to regain my own health for thirteen consecutive months in a row since XXXX, XXXX. In XX/XX/XXXX I returned to my hometown and applied for Federal Student Loan Forgiveness or Cancellation due to my XXXX XXXX and XXXX XXXX XXXX XXXX application that I completed with a Real Medical Doctor in XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX contact numbers ( XXXX ) XXXX. He has been a Family Doctor since XXXX. And in XXXX he and I together finally got approval for {$50000.00} Dollars of Federal Student Financial Aid or Federal Loans borrowed from The Federal Governments Department Of Education from XX/XX/XXXX to XX/XX/XXXX in the amount of {$30000.00} Dollars. My Social Security Card was stolen before my accident inside of my own home at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX phone ( XXXX ) XXXX email : XXXX XXXX XXXX Password : XXXX. The Hospitals Group Home for Adults needing 24 hour care was XXXX XXXX XXXX XXXX or XXXX XXXX, XXXX. Managed by XXXX XXXX XXXX that changed management in XXXX and is now called XXXX XXXX. ( With the Butterfly ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX phone ( XXXX ) XXXX. The workers there were XXXX, XXXX, XXXX, and XXXX XXXX Supervised by XXXX XXXX. My peers and roommates were XXXX, XXXX XXXX, XXXX, XXXX, and XXXX. Two people came into the Group Home about one or two months before I was to be XXXX completely and understood that I had Federal Student Loans Outstanding with a balance due of more than {$30000.00} Dollars since XXXX. She told me about Federal Student Loan Forgiveness and that through, by, and with XXXX XXXX XXXX XXXX approved by an MD that my Loans could be reduced and possibly forgiven due to a XXXX XXXX and an Application Form Process that takes approximately one year to Complete inside the The Federal Government. XXXX XXXX made this process take six years. Thank you.
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A