Date Received: 2019-01-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The application online for an income driven payment plan is wrong. When you call they give you different information ... .then send you things like this that are wrong ... How to Apply Online - New Applicants To expedite the process, we recommend applying online : Log in to StudentLoans.gov. Select " Apply/Re-Certify/Change an Income-Driven Repayment Plan. '' Choose the button that reads, " Start Application. '' Follow the instructions online to complete your application. You can select the option within the application to securely retrieve your most recent tax return information from the IRS online, which may expedite our review of your application. Electronically sign the application. This doesn't work and the customer service people tell you that. They also tell you confusing things that also dont work. I'm having to send things through snail mail ... in XX/XX/2019. XXXX????
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I dispute Nelnet Loan Services account for payment history. The payment history is incorrect for Nelnet Loan Services account. I am requesting that Nelnet Loan Services account is deleted on my credit report and credit file.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I dispute date account open for Nelnet Loan Services The date account open is incorrect for US Nelnet Loan Services account on my credit report. I am requesting that this Nelnet Loan Services account is deleted off my credit report and credit file.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have contacted Nelnet several times the last time was in XXXX regarding the legitimacy of a loan they say that I owe for educational services that they say was received at XXXX XXXX XXXX College inXX/XX/2014 I did attend XXXX XXXX in XX/XX/2014 and began repaying the Loan through XXXX XXXX XXXX and are currently paying through them as of today and this loan was not sold. I requested for a promissory note to be sent to me or some information regarding the origination of this loan in excess of 30,000. Thus has been an ongoing issue and no one will help me figure out where this came from the only option I have is to keep applying for forbearance until I can get this resolved. This has been very stressful And has caused XXXX XXXX and XXXX. I just want this removed from my history immediately.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I dispute date account open for Nelnet Loan Services The date account open is incorrect for US Nelnet Loan Services account on my credit report. I am requesting that this Nelnet Loan Services account is deleted off my credit report and credit file.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received an email on XX/XX/XXXX saying that my student loan and auto debit with the .25 % rate reduction have been transferred from XXXX XXXX to Nelnet. My complaint is that 1-Nelnet violated Regulation E 1005.10 ( b ) by changing my auto debit from {$190.00} to {$310.00} in XX/XX/XXXX ( a ) without my written/electronic authorization and ( b ) knowing that a payment change to {$310.00} does not meet a designation of either a fixed amount or the amount due, I definitely never agreed to a payment range 1005.10 ( d ) as specified by the rule and while they are in their right to use the preexisting authorization 1005.10 ( b ) -1 it does not allow for this kind of change, 2-when I called on XX/XX/XXXX they were unable to explain why the change occurred, 3-they have not responded to my direct messages from XX/XX/XXXX and XX/XX/XXXX to fix this error, and 4-that I am unable to set up another auto debit through Nelnet without the option of any other payment besides {$310.00} thus forcing me to set up an auto-payment through my bank and losing the .25 % rate reduction. I find this action by Nelnet to be a complete violation of our lender/borrower relationship. I haven't looked into it, but its possible there are ACH violations here as well. Below is an account of what I know. XXXX through XXXX XXXX XXXX monthly auto-payment of {$190.00} made XXXX XXXX payment of {$500.00} made ( first ) XXXX Servicing Transfer Notice to Nelnet XXXX Statement notice due XX/XX/XXXX for {$0.00} XXXX Notice of auto Debit on XXXX for {$190.00} XXXX Registered account and opted in to estatements on Nelnet website XXXX Statement notice due XXXX for {$0.00} XXXX Notice of auto debit on XXXX for {$190.00} XXXX Statement notice due XXXX for {$0.00} XXXX Notice of auto debit on XXXX for {$190.00} XXXX XXXX payment of {$500.00} made ( second ) ( XXXX ) Statement-missing this email XXXX Notice of auto debit on XXXX for {$190.00} XXXX Statement notice due XXXX for {$0.00} XXXX Notice of auto debit on XXXX for {$190.00} XXXX Statement notice due XXXX for {$0.00} XXXX Notice of auto debit on XXXX for {$190.00} XXXX XXXX payment of {$500.00} made ( third ) XXXX Statement notice due XXXX {$0.00} XXXX Notice of auto debit on XXXX for {$190.00} XXXX Statement notice due XXXX for {$120.00} XXXX Notice of auto debit on XXXX for {$310.00} ( no warnings ) XXXX logged into account to see if XXXX payment posted and saw new payment amount XXXX called Nelnet and was told I was put on a 10 year repayment ( technically if you amortize this payment out based on the balance at that time they amortized it for 2 years ) and could not stop the payment cause less than 3 days XXXX direct messaged Nelnet stating they were not authorized to change my auto debit XXXX Logged into account to get more information, noticed account is in forbearance ( unsure why since I have been paying monthly forever ) XXXX direct message to Nelnet that payment wasn't authorized, I was never notified of a change to my repayment plan, that I want the difference of the {$190.00} to {$310.00} returned and my auto payment be corrected XXXX Confirmation email that direct message was received by Nelnet XXXX Notice that tax statement is available XXXX Statement notice due XXXX for {$120.00} XXXX since I received no response, logged into Nelnet and tried to change auto debit amount but online form would only allow a {$310.00} payment, so cancelled auto debit I have other issues regarding late fees charged during forbearance periods as far back as XXXX, but I need more time to reconcile the payment history I received from XXXX XXXX just prior to the transfer. While it provided the payment history, it was missing start and end dates during these periods.
Company Response:
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I dispute Nelnet Loan Services account for payment history. The payment history is incorrect for Nelnet Loan Services account. I am requesting that this account is deleted off my credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX XXXX placed my loans in deferment because I was returning to school for graduate education. However, I never requested this change. I was not asked to accept or decline this change. Therefore, for the last three months, my auto debit stopped and extra interest has been accruing. I would like something done because, if I allowed this issue to continue longer, the accrued interest could become significant.
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I dispute XXXX XXXX XXXX account for payment history. The payment history is incorrect for XXXX XXXX XXXX account. I am requesting that this item is deleted on my credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A