Date Received: 2019-05-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My current loan was in forbearance until XX/XX/2019. There is a letter posted to my account by the lender ( servicer ) stating repayments were to begin in XX/XX/2019. In XX/XX/2019 and XX/XX/2019, payments were debited from my account. My account overdrafted due to these payments being withdrawn from my account. The overdraft fee is {$37.00} per day. I provided the servicer company with my state assistance information, which they declined to accept. I asked why my payments began before the stated date of XX/XX/2019. I was advised that the money was owed to the company. The payments were to begin XX/XX/2019. On XX/XX/XXXX ( today ), 2019 another payment was debited. Now they are debiting early from my account. This occurred in violation of the letter the servicing company provided to me. The loan states that the XXXX XXXX XXXX is the school I attended. I never attended school there. I have been unemployed for XXXX years due to health issues. I am currently awaiting a decision on XXXX and have been on state XXXX and food assistance during this time. I have provided documentation in the past proving this. Nelnet now says that this is not acceptable documentation.
Company Response:
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Attended XXXX College and XXXX College - XXXX made many promises about helping me to get employment and or counseling for employment and they were shut down for fraud and were not able to fulfill all their promise. XXXX College promised me that they were not shutting down and one day I showed up and the doors were locked. I have informed Nelnet of this and applied for loan forgiveness based upon fraud. I have called several times and they said they never received my application so I did it again. I called and they stated they didn't get it so I had to resubmit again. I called and they stated they didn't get it so they sent me another one. I can not seem to get them to accept an application for cancelation. There is excuse after excuse that they did not receive my application. I have looked at the qualifications for cancelation and believe that I am eligible. I am contacting my local congressman as well.
Company Response:
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nelnet is reporting my credit as Current was 120 days delinquent. I had called Nelnet about my accounts. I was going to school at the time and informed them of that. They said they had never heard of the school. I went to the school and had a deferment paper sent to them. I followed up with Nelnet and they said they couldn't find the school in their system. I had to go back to the school and get another paper from the school to show I was enrolled. Nelnet refused to take it via email or fax. I had to mail it to them. While I was doing all this I was told that my account would not show as delinquent once I established that I was in school at the time. When they got they finally the paper they now show me as current but previously delinquent. I am struggling to get housing because of this late reporting.
Company Response:
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XX/XX/XXXX, I took out a private education loan of {$18000.00} from XXXX. I was attending XXXX XXXX XXXX XXXX of California. The account was opened on this XX/XX/XXXX. It was a 120 month, 10 years loan. I was never late with payments. On XX/XX/XXXX -- I paid the full remaining balance of the loan. The account was officially closed XX/XX/XXXX. In XX/XX/XXXX, I received a notice from NELNET LOAN SERVICES INC saying I owed {$220.00} and {$150.00} on two private education loans, and that this money was due in 30 days. I had never received any notice from Nelnet before this, not heard of the company. I called Nelnet in XX/XX/XXXX, to be told that I owed this money still and that XXXX had closed and became Nelnet. I explained that i had paid my loan off full in XX/XX/XXXX, and they said I should call XXXX ( now XXXX ) for more information. I called XXXX, who said Nelnet should have any information on the account. I was told by Nelnet that they would send me all the information to clarify why these new charges had suddenly appeared 7 years after the full payment date. I called again on XX/XX/XXXX at XXXX XXXX and talked to another customer service agent on a recorded line and she also promised to send documentation on where this charge came from. I have not received this. She also said she wouldn't send the {$220.00} and {$150.00} charges to collections for 30 days until we received the written documentation, which I have not received either.
Company Response:
State: CA
Zip: 93001
Submitted Via: Web
Date Sent: 2019-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-10
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: The DEPT. Of ED/Nelnet continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account has been refinanced with US DEPT of ED/XXXX and is being listed and reported as a duplicate as it is already a part of my public record reflecting through US DEPT of ED/XXXX and DEPT. of ED/Nelnet has agreed to remove, please refrain from continuing to report this account
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Please provide any and all information regarding this debt including payments made, charges, fees, interest, terms, rate, etc. I have requested this information over and over and over for years - all to no avail. Thank you.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Please provide any and all information regarding this debt including payments made, charges, fees, interest, terms, rate, etc. I have requested this information over and over and over for years - all to no avail. Thank you.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have a huge problem with the way that my late payments and balance are being reported with my account. First, they are listing a bigger balance on XXXX versus XXXX. Also I can tell there were problems with my account because there are late payments being reported that are not accurate. Currently, I am being reported as 30 days late on XX/XX/2018 and XX/XX/2018 on XXXX but then XXXX is reporting me as 30 days late on XX/XX/2018 and XX/XX/2018. That doesn't make sense.
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, I have been making monthly payment with XXXX XXXX on time to get my Loans out of default and im currently on rehabilitation. This week i get an update via XXXX XXXX that my payment history was reported as Late which caused an 82 point drop in my credit score. The previous week my balance was decreased and negative payment history was removed. I spoke with XXXX from the department of education and was advised they don't update any payments when they are in default and to contact the Credit reporting. Not sure what is going on but i need this to be updated and corrected.
Company Response:
State: OK
Zip: 73115
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I wrote a letter to nelnet on ( XX/XX/ ) trying to see how i was late on my student loans. I even asked for signatures as well as proof so i can verify this against my credit score. They stated that it was verified even though they did not send me anything that i can see that it was valid. These late payments are hurting my score and my credit worthiness. Please see attachments for the letter i sent, I sent it certified mail and here is their reply. The reply is not appropriate because they did not send me any documents that answer my questions.
Company Response:
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A