Date Received: 2019-02-12
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Accounts 10 years old still on credit report
Company Response:
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have one loan in my 28 years of living giving me the same issue. Whats happening is the loan is being sold over and over and over again. Upon my research in fact Nelnet have two different account numbers for the same loan making it look like more than what it is. I also reached out to them because this loan was established in XXXX! Its XXXX and Im still fighting to have this removed! I currently got in touch with the creditor that have the loan today to work to get it in rehab status. My issue is I also reached out to the credit agencies all 3 major ones to despute all inaccuracies and try to get stuff of my credit. So far only one has succeeded in one account! The others will not budge! So nelnet, then XXXX/Nelnet then nelnet/XXXX and last XXXX are all reporting that one loan. Please help!
Company Response:
State: GA
Zip: 30121
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/XXXX, I opened a loan account with Nelnet , Inc., a Federal student loan administrator whom I was directed to by my college XXXX XXXX XXXX University - XXXX, NY Campus. I borrowed the amount that would suffice the difference between total tuition cost and my partial scholarship, which was {$6500.00} or thereabouts. On XX/XX/XXXX, I borrowed a like amount from the same administrator for the same reason as the first loan from XXXX. In the XXXX instance, I had to acquire two loans that made up the amount needed ; a larger loan of {$4000.00} and a smaller one of {$2000.00}. At this time, the balance of all three loans totals {$13000.00}, including interest. In XX/XX/XXXX, as shown by the provided images of the reporting of XXXX , XXXX, ascertained by an online credit monitoring service, the lender began to report missed payments in excess of 90 days. I myself, as the borrower, was not properly notified of payments becoming due and eventually delinquent at the time of these reports. I was not contacted directly by Nelnet , Inc. until XX/XX/XXXX, when I was granted forbearance of payment for financial hardship. I was notified by the representative who assisted me with the forbearance procedure that efforts had been made to contact my mother, whom I did not live with and did not have regular contact with, in regards to the delinquency of the loans. As the sole borrower of the loan, whose accurate contact information was provided with the application for the loan and online management portal, I believe it is not just that this administrator made no effort to contact me as the borrower in pursuance of payment or procedure in regards to the loan until several months after the account had become delinquent. I continued with forbearance with no issue from the provider for more than one year after the initial delinquency and maintained good standing with Nelnet , Inc. and they reported as such to credit bureaus. However, in XXXX and XXXX of XXXX, they once again reported missed payments in excess of 90 days, also visible in the provided imagery, despite my forbearance status. Upon contacting the administrator again, they reinstated forbearance, but did not report good standing to credit bureaus until seven months later, in XX/XX/XXXX, also visible in provided images. More investigation of their reporting procedures indicate that numerous months of all three accounts being in good standing went unreported by Nelnet , Inc., which I believe is unjust. It is unjust not only for the initial failure to contact me as the sole borrower associated with the loan, but also for Nelnet , Inc. to continuously report the account delinquent in excess of 90 days and not reporting at appropriate intervals of 30, 60, and eventually 90 days, as well as their failure to report positive standing for many months throughout the repayment period.
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-09
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: My total loan is for {$360000.00} with the company XXXX, Nelnet. The loan is from when I attended XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX, however I did not see that listed as an option. The lowest payment they gave us through IBR and extended payment is {$2300.00}. We can not afford this monthly payment. Consolidating the loans would still be about XXXX and would hurt my credit as we are trying to move. They go off my gross salary and do not take into account our bills or my other student loans, or taxes. They refused to see my salary after taxes and after our bills. They refused to help us with a payment lower than XXXX. The most we can afford is $ XXXX. They kept trying to get us to do foreberance which does not help the situation. I have a contract job and my salary will not increase, ever. The loan will also collect more interest with foreberance. They refuse to help us and now the loan will go into default due to not being able to make the payments. I dont think they should force people into foreberance where the company will make more money.
Company Response:
State: OK
Zip: 735XX
Submitted Via: Web
Date Sent: 2019-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XXXX has 7 accounts open and all marked late while I am still in school, when these are suppose to be all in one account.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2019-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XXXX has 7 accounts open and all marked late while I am still in school, when these are suppose to be all in one account.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2019-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XXXX has 7 accounts open and all marked late while I am still in school, when these are suppose to be all in one account.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2019-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been enrolled in online classes with XXXX XXXX XXXX since XX/XX/XXXX I have had issues with receiving educational funds for my online courses at home as far as Wi-Fi service and other means of service at home needs for my educational purposes XX/XX/XXXX I ran across a financial situation at home I reached out to XXXX XXXX XXXX they informed me In the student federal aid department that the earliest for me to receive finance assistant with my educational purposes at home was XX/XX/XXXX to call that that day. I called back XX/XX/XXXX and I spoke with a student finance assistant again at XXXX XXXX XXXX I was told that I would receive financial assistance for my educational purposes at home by receiving a check via mail in 14 days I did not receive a check I did not hear from them I signed four award letters in the month of XXXX one dated XX/XX/XXXX one dated XX/XX/XXXX one dated XX/XX/XXXX and XX/XX/XXXX I am still unsure what my actually award grant for my semester term we started XX/XX/XXXX and last till XX/XX/XXXX I have reached out to my student advisor and in the meanwhile XXXX XXXX XXXX has change my advisor from me I have been reassigned to another advisor I have been calling numerous times asking for assistance they have not sent me any financial help for my Wi-Fi service or my electricity service which I can maintain a good grade average and also be very active as I was from XX/XX/XXXX I was at a 3.5 average doing up to XX/XX/XXXX maintaining an A B average in over half of my five weeks courses. I have since dropped down to a 2.7 also I have a D in a course and some missing weeks of class works because my Wi-Fi service was disconnected and I had no means of finding a way for my electricity service I reached out to XXXX XXXX XXXX and advise Them of my situation once again they did not reach out to me with any support. As a matter of fact they stated that they havent even received any funds for me yet but yet I was showing dates on my federal loan site where pay out was distribute XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX they was receiving my grants and loans I asked them to make my federal package out enough for my tuition my books and my educational means at home. I just got out of homeliness in XXXX when I first began I was out in the night at churches using their WiFi services or at a relative house as long as I could before they retired for the night using their WiFi and electricity because I do not have the tools to do my work or no home at the time but I press through receiving good grades, no one has assisted me as of yet. I have as of this date XX/XX/XXXX have not received anything to assist me with my educational purposes at home I have since taken out a personal loan outside of my schooling to tend to my electricity bill and my Wi-Fi services because I failed a course and they are making me retake the course over which I have to pay for it again all over which I was explaining to them that I did not have the tools to do my educational purpose and thats why I asked for the assistant way back in XXXX I still havent received any assistance for my educational purposes which is the reason of my grades falling down making me miss weeks of work and making me have to retake a course not to mention repay for it. I just started my course that I had to repeat over I am currently in the third week of it missing the first two weeks I asked XXXX how come they keep making me do work that I have no equipment to do the work with which is making me fail class that makes me have to pay for the class take it over again I was way in boundaries of letting them know of my situation before my GPA fail and before I had missed classes I have a D in my last courses last XXXX when services was disconnected and it hurt. It has put me behind because I was supposed to be employed at this time working at home as an at XXXX XXXX XXXX XXXX applying for XXXX XXXX I am taking XXXX XXXX XXXX with XXXX XXXX XXXX and I was going to pursue a job working at home as a XXXX for a virtual company making {$28.00} an hour where I could be well prepared to repay my student loans or whatever my obligation was to as far as my education debt goes this school has made me so upset they have put me back they have forced me out into the streets so I can have the funds to take care of my house situation I dont need Wi-Fi I dont need the service running 24 seven running up my electricity bill I can do without it but I do need education so it is a requirement that I have that service not to mention that they are scheduling me for a mock interview XX/XX/XXXX which I am responsible for being online on a laptop which has to be charged up with electricity has to be running off Wi-Fi and I have to be on a phone without those services how could I do a mock interview I have already missed one and failed with an F and they keep setting me up for failure again theyre not supporting me with my financial aid package completely where it would benefit me at home with my educational tools. I have been in debt because of the situation where I couldve have seek for local resource assistance if I wasnt being lied to services on Im working and ready to repay my loan I have requested for them to take out more for my needs they stated to me that my package wasnt enough to help me out at home I dont know whats true I dont know was not true all I know is I have not received any Financial support for my educational needs at home which put me in a failure state which I had to repeat a course and have to take out more money for electricity and WiFi services. yeah they say XXXX cares but my opinion they dont this is the way it has been explained to them numerous times what have they done nothing I have asked him to explain to me over and over, I signed four award letters I dont know the actual amount for my semester tuition thats this time I am in a bind and they would not help me or tell me anything and everybody directs me to my school student loan and they are the enemy I do not need to talk to them about my situation because they lied to me and told me that I was going to receive some help in XXXX and I couldve looked around locally for resources to help me I depended on that and they told me a lie and they cant put it out the last time they told me it was XX/XX/XXXX XX/XX/XXXX has came and gone I still have not received any financial assistance I have since paid my electricity service bill {$380.00} which I had to borrow the money to pay for that and I paid for my other services at home so I can go ahead and finish the courses and take the courses because I noticed XXXX did not care and the longer I went without those services for me to be successful in my courses I was going to fail because they was not going to help me so I had to go and borrow the money so I have another debt I thought that I sought on my student loans as well I dont wan na be back with the school to the school I dont wan na talk to the school because I dont wan na hear nobody telling me how to focus and how to schedule and plan my life they supposed be a school teaching me and I know what I have going on and had planned it out up decently and XXXX messed it up its like they stretched it out for it to be doing this time. For some type of reason now I am in my last five weeks of my program looking to graduate hopefully in XX/XX/XXXX and they have put me down to a part-time student which now Im not gon na be qualified for all that I was qualified for its like they dragged me to this part right here they kept telling me yes they going to do this yes I can do this yes they going to send support. Instead drag me to this point Ive felt courses and missed days and I had to retake the classes it has been hectic with XXXX XXXX XXXX if you want to take a XXXX XXXX XXXX certificate diploma what have you Please do not choose XXXX XXXX XXXX. Last five weeks of my program course graduate and hopefully in XX/XX/XXXX but now XXXX have put me down to a part-time student which now Im not gon na be qualified for all that I was qualified for is like a drag me to this point right here they kept telling me yes they going to do this yes I can do this yes they going to send is a cent sign award letters and everything in the lot to me and a direct me to this point Ive failed courses and miss weeks of courses and I have to retake the classes is been hectic with XXXX XXXX XXXX if you want to take a XXXX XXXX XXXX certificate diploma what have you Yall do not choose XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2019-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have nothing but problems with Nelnet since the inception of my loan in XXXX. They have improperly, unprofessionally, negligently, and in a continually timely manner handled my loan which resulted it the outset a negative reporting to the three major credit bureaus. I thought it then appropriate and fair to have the negative information. I had taken a semester off of school and were asking for money and offered no solution to fixing things and reverse the negative credit reporting. Then in XXXX I was finally told about a REPAYE Plan because of my income. I applied and was approved. Then in XXXX, when I went to recertify my Plan, I marked the appropriate boxes that nothing had changed from the year before, which was supposed to trigger an auto renewal of the plan. However, they messed it up and required I start a whole new application. They did the same thing to my wife 's loan! Then in XXXX, history repeated itself. But not for my wife. Hers went through fine. When I went to recertify I hit the same boxes saying nothing had changed. I found myself two to three months later having to redo things because they admitted they again dropped the ball. Additional information was requested me and I complied. I was sent statements showing no balance owed and a letter saying my REPAYE Plan was certified, only to be hit with an email on XX/XX/XXXX, that I had a payment due the following day! I made every attempt to contact Nelnet by phone, online contact page and email, but no one was available. When I filled out the online contact page I was told someone would get back to me. What I got was an email five days later telling to reapply! I then contacted Nelnet by phone on XXXX, XXXX, XXXX. I spoke with XXXX XXXX. She apologized for the troubles I had with Nelnet and said she would talk with her supervisor on a plan to straighten everything out. When she returned from a hold, she assured me!, that if I trusted her this would be my final hurdle to making sure my REPAYE Plan was in place. Her instruction, she would fill out a new application so I did not have to, all I had to do was have my wife sign it and I sign it. Then she would send me a sample income self certification letter, I would write one modeling it. That was ALL I needed to do. She also said that any amounts owed would be waived and any negative reporting to any credit bureau would be reversed. As well no payments would be required after our conversation. My wife and I printed, signed the app page, scanned it and sent it back back with the income self certification letter. Yet, after that, Nelnet kept sending demands for payment! Then 10 days after we sent them what they asked for they said they needed MORE info! They info? Well they said they only received a partial application and therefore needed a new app! I simply added the signature page into the app they sent me and sent it back. BUT! Then on XX/XX/XXXX the dared ask for MORE information! I called and the first person I talked with said I had to start over with a new application! I talked to three others after him only to be told the same scripted story and there was no one else available who had any Authority to do anything! I did make a request to the first gentleman to have XXXX XXXX call me back on XX/XX/XXXX when she was to return to the office.
Company Response:
State: CA
Zip: 96130
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have a student loan through Nelnet and I was not aware of the payments aft the time. Was going through financial hardship and missed a few payments.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A