Date Received: 2019-02-26
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In XX/XX/XXXX, I began paying back my student loan. This loan was later purchased by Nelnet. I continued making regular payments on this loan, and I began making larger payments to retire this debt. On XX/XX/XXXX, I called Nelnet to inquire the exact amount needed to close and payoff the loan in its entirety. Based upon that phone call, on XX/XX/XXXX, I made a final payment on this loan, the balance was made {$0.00}. I specifically asked them to send me a written letter confirming that I do not have any further balance. I called back in early XXXX and inXX/XX/XXXX. Both times, I was advised that I would receive this letter within 60 days. I still have not received any written proof from Nelnet that my account is closed and this student loan is paid off. In using the website, Nelnet indicates there is a " {$0.00} '' balance, and no payment is due and owing. But they refused to send me a letter so that in the future, there can be no doubt about this situation. I also contacted the Credit Reporting Agency in XX/XX/XXXX to determine whether any negative mark was made against my credit. I am waiting for a response. I am filing this complaint because Nelnet refuses to respond to reasonable request for written proof that my account has been paid in full.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 3 different loans. Two of them are XXXX XXXX credit cards and the other is a student loan. XXXX XXXX XXXX XXXX XXXX 5 missed payments XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 4 missed payments XXXX : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX /Nelnet 3 missed payments XXXX : XXXX, XXXX, and XXXX
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dept of ED/Nelnet is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the Department of Education dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XX/XX/XXXX and " will remain in that status pending further direction.. ''
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
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 requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX, XXXX and XXXX via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. To date Nelnet nor XXXX, XXXX or XXXX have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not e-oscar used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.
Company Response:
State: CA
Zip: 92120
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I received a credit report due to other fraudulent situations with my taxes and I saw that there are some credit items now two accounts that are department of education Nelnet partial account and their account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it says that it was open XX/XX/2013 it was for education and it was first reported owing {$1700.00} and it is a partial count there's one right under it the same account number same date that it opened but a different amount and that amount is {$2600.00} because of these two education places that have put out a loan on me I have not attended school I have not put out for a student loan to go attend school so this is not me that I have no reason to be paying anybody ain't got money for a student loan so Iwould like to get this resolved.
Company Response:
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Acccont information is being reported incorrectly
Company Response:
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2019-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX is reporting 4 student loans from XX/XX/XXXX, XX/XX/XXXX and ( 2 ) XX/XX/XXXX on my report as in Bankruptcy. This information is incorrect, the account should show XXXX balance paid in full. I've contacted Nelnet who informed me that the information they reported in a XXXX balance and paid in full. XXXX is reporting false information. This information is being reported and adverse information on my credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-19
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: XXXX and XXXX are reporting incorrectly that I am 120 days past due on several loans with the Department of Education that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the Dept of Ed/Nelnet as well as attach a copy of my credit report. DPED/Nelnet : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX.
Company Response:
State: MO
Zip: 63141
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My original lender was XXXX XXXX XXXX ; this loan was considered a private loan that my parents took out to pay for my college education. XXXX XXXX XXXX had switched servicers to XXXX XXXX. The original promissory note I have, shows my father as applicant # 1/borrower, my mother as applicant # 2/co-borrower, and myself as student. This loan originated in XX/XX/XXXX. My father and I share the same name and I feel that has added confusion. My father always made the payments on this loan, as well as, collected tax documents and deductions on this loan, as the borrower. In XX/XX/XXXX, my father passed away from XXXX. My mother contacted XXXX and she was told about loan forgiveness. She submitted my fathers death certificate and she waited 32 days for an answer. Unfortunately, they did not approve the loan for forgiveness. Instead, XXXX has switched me, from student, to borrower and my mother stays as co-borrower. How did I go from being a student on a promissory note, to now the sole borrower? I have called XXXX, and it has been unsuccessful. I have requested documents including the denial letter stating why the loan wasnt forgiven as a result of my father 's death, the promissory note they have on file, as well as the loan terms indicating that I am now legally responsible for this loan. I have had no success in retrieving these documents. I have been told that I am not entitled to these documents from XXXX and to contact XXXX XXXX XXXX for the promissory note. I was told by a XXXX representative that the promissory note they have on file is not legible and she couldnt confirm who was supposed to be borrower/co-borrower. I have contacted XXXX XXXX XXXX, for a copy of the promissory note, by email. I was told by XXXX XXXX XXXX that they do not have the promissory note and to refer to XXXX copy. I have responded to their initial email, requesting more information and they have not responded. There is no contact information for XXXX XXXX XXXX, just an email address. I am doubtful of the information I have been given. I feel I should be entitled to a copy of the denial letter, as well as a legible copy of the promissory note. I would also like to see a copy of the loan terms indicating how I went from being a student, to now the main borrower. I want documentation, and feel it is my consumer right, to have proof that XXXX has that ability to change borrowers and to choose who is made responsible. Though Im hopeful for your timely response and subsequent resolution of my issues, Im fully aware of the 'not-so-positive ' reviews/feedback given to XXXX XXXX and, therefore, will be prepared to submit additional complaints to the XXXX XXXX XXXX , and the Ohio Attorney General.
Company Response:
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Dear Sir/Madam : I am contacting you in the hopes you can help me in my Dilemma!!!! Re : Nelnet Student Loan Account # XXXX XXXX XXXX XXXX Student / XXXX XXXX XXXX Mither. I have sent this correspondence to Nelnet Please be advised that I will be contacting the Department of Banking & Financing , XXXX XXXX XXXX & I will be corresponding with Federal Government Student Loan on behalf of my daughter XXXX XXXX for a student loan for my granddaughter XXXX XXXX XXXX. My granddaughter XXXX XXXX is making payments on this student loan she obtained. She is currently working and can barely make ends meet for herself, she is willing to pay @ {$50.00} per month as that is all she can afford. She only attended XXXX University for one year and had to come back as her mother had a XXXX XXXX. Came back home to get a job to help her mother. My daughter earns less than XXXX @ {$10.00} per hour and is eligible for food stamps. XXXX has to choose no insurance coverage at work because she can't afford it. As I stated she wants to comply with the payments @ {$50.00} per month and can barely afford that. What I don't understand is how the balance is {$16000.00} when I believe she applied for an additional {$5000.00} " mother loan ''. Again she wants to pay as she is already paying her other student loan she just can't afford {$120.00} per month. 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
Company Response:
State: FL
Zip: 32129
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A