Date Received: 2019-05-21
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Nelnet has been handling my student loans since XX/XX/XXXX. The original loan amounts totaled {$41000.00} with a 6.8 % interest rate. Since XX/XX/XXXX, I have paid over {$15000.00} toward my student loans. I just received a letter from the department of education dated XX/XX/XXXX that I owe them {$48000.00}. I checked my Nelnet account and it says the account was paid off with a {$48000.00} payment - which I am assuming is the department of education 's payment they are trying to collect. I contacted Nelnet about the fraudulent amount but they have not responded. They are trying to overcharge me by {$20000.00}! Please help!
Company Response:
State: VT
Zip: 05452
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2019 Nelnet XXXX. XXXX XXXX XXXX, NE XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification : Dept of ED/ Nelnet XXXX Unverified Account
Company Response:
State: CA
Zip: 94619
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My school closed and I am within my legal rights to pursue a discharge of all loans taken out while in attendance at the closed school. Attendance in pursuit of the degree I was seeking included two different campuses as my school had multiple campuses-the campus listed on this complaint and the XXXX XXXX XXXX, UT campus of the same school. A loan discharge application was rejected by my lender and upon fixing the errors they claim it had the second one was rejected as well, in spite of all purported errors having been fixed. At this point it is clear they are illegally denying me my lawful right to a discharge of my loans.
Company Response:
State: UT
Zip: 84094
Submitted Via: Web
Date Sent: 2019-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-18
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I requested a forbearance extension as I'm currently unemployed due to my XXXX. Instead of replying to my email, they just put the loans in default the same day. Their customer service is practically non-existent, they always just say " there is nothing we can do. '' Their goal is just to get you off the phone so they don't have to bother trying to fix anything. Please PLEASE choose any other servicer. This company is predatory and unethical.
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2019-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-18
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I attended this college with graduating with an XXXX XXXX. When enrolling it was stated and promised that Anyone could transfer credits at anytime so if I decided to continue my education at another college that offers XXXX Id be two years ahead of the game. I originally enrolled early XXXX. Which I was charged for being on day 3 in my 3 classes, which is the 3rd week since each class was only one day a week. They refused to help me. I was 4 months XXXX and on the verge of XXXX my child. They made me either drop out and pay before coming back or fail and pay towards loan. That was my only two options. I chose to fail so I could come back after my abrupt medical leave. Went back re enrolled XXXX, same statements and promises applied with transferring credits, and promised landing a job right after graduation or sooner with the degree earned. I finished in XXXX graduated and since I was hired through my internship I never got to find out myself that they didnt help others. However, almost XXXX dollars in debt later. My credits dont transfer to any other school. Going back Id have to start all over unless I went back to The same school. Which now its closed permanently and the next one is no where close to me. XXXX was being sued by common wealth of KY a few years ago for the promises made to the students who attended between XXXX and a few years later for false information. I now have almost XXXX in debt to go nowhere. I cant get another loan to start all over again. I cant afford that. 2 years wasted with a degree thats just a piece of paper. I dont think its far I owe all of that for a piece of paper. Department of education/nelnet should consider an early forgiveness since common wealth suing didnt help the students who were effected by this. I want to be set free from this loan that is useless.
Company Response:
State: KY
Zip: 41018
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XX/XX/XXXX - Submitted application to Nelnet for income-driven repayment plan. They said that my first payment would be in XXXX and that they would send the details of the repayment along with the first bill in late XXXX or early XXXX. Their estimation on the amount I would owe at the time was {$130.00} and some change. XX/XX/XXXX - Notice of past due amount of {$3000.00} plus next bill for a total of {$6100.00}. I called them and asked what was going on and they said that they couldn't read my pay stub from the application I sent in in XXXX and I asked why they didn't notify me of this when they realized the problem. They said a notice should have been sent out ( it wasn't ) but that they would defer the bill ( I didn't even make that much money a month at the time ) so that my account was current and to submit a new pay stub. I submitted a pay stub that night. I also increased the contrast and the resolution of the pay stub so that it was crystal clear, even on a low-resolution monitor. XX/XX/XXXX - Receive 18 notifications ( one for each loan ) that my loan went into forbearance until XX/XX/XXXX. Due to something else going on in my life, I left it as this until I took care of the personal issues I had going on. XX/XX/XXXX - Contacted Nelnet about why my loans went into forbearance. This was now affecting one of the personal issues previously mentioned and I explained that it was holding me up on other things going on in my life and I just wanted to start payments as soon as possible. They said the only note they had on file was that they couldn't read my pay stub from before. I asked if they could look at the two pay stubs I submitted to see if they could read them after I explained what happened the first time and that the contrast/resolution was increased so there shouldn't have been a problem reading the numbers. They said it was still blurry, but readable. At this point, she said I would also have to submit another pay stub for the income-driven repayment plan since they have to have a pay stub that is within the last 90 days. At this point, I had started a new job and my income increased significantly. This caused my estimated payment to balloon to {$760.00} per month. XX/XX/XXXX - I resubmitted the application and new pay stub. XX/XX/XXXX - I received multiple notifications. They said that my income-driven plan was approved, but each one said something different. The first one I opened said, " Your monthly payment amount for qualifying loans will be {$650.00} for 12 months, beginning XX/XX/XXXX ... '' The second one I opened said, " Your monthly payment amount for qualifying loans will be {$1000.00} for 12 months, beginning XX/XX/XXXX ... '' The last one I opened said, " Your qualifying federal student loans are now on an income-driven repayment plan. You indicated on your application that you do not wish to begin making payments on your loans until your current deferment or forbearance ends. Your next payment for Group A is due on XX/XX/XXXX ... '' I looked at the application I submitted and it was very clearly marked that I wanted to start making payments immediately. Even if it was " blurry '' as they claimed my pay stubs were, it was very clear which of the options I had chosen. At this point, I had already accrued over {$13000.00} in interest. I called Nelnet again and explained the situation and asked why my loans stayed in forbearance when it was very clearly marked I wanted to begin payments immediately. The lady I spoke to couldn't give me any answers and put me on hold on 3 separate occasions to contact other people about what was going on. The answer she gave me was that within 10 business days, I should receive a notification and a bill that my loans were in repayment and that, after confirming with me, that I would like to make my first payment on XX/XX/XXXX. XX/XX/XXXX - 10 business days later, my loans are still in forbearance with no correspondence as to what is going on with my loans. At this point, I'm pretty convinced they are pushing this off so that they can make more money off me through the thousands of dollars of interest I am accruing. Dealing with Nelnet has been an absolute nightmare.
Company Response:
State: KY
Zip: 40065
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Changed payment plan several years ago to IBR. First PAYE then REPAYE. My balances have almost doubled although I've never missed a payment. Customer service can never explain why and the payment plans make no mention of this. How can this happen? I am on a payment plan because I'm a single mother of a severely XXXX child. By the time loan forgiveness hits on these so called plans I might owe hundreds of thousands of dollars. Nelnet is my serving company.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
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 a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: The school was fraudulent. The loan is supposed to be forgiven, its negatively impacting my credit. I'm in the process of purchasing a new home, and I need this debt to be removed.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was late 3 months in a row for 6 different loans at NELNET without knowledge of having to start paying. That's 16 late payments that make my credit look really bad. I was currently XXXX and XXXX XXXX to my XXXX child. The dates of these late payments are XX/XX/2017, XX/XX/2017, XX/XX/2017. I was for sure that the loans were still in forbearance at the time.
Company Response:
State: NC
Zip: 28412
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A