Date Received: 2018-12-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed several disputes with XXXX regarding the Nelnet student loan accounts. My loans have been rehabilitated as of XXXX of XXXX and are in good standing. The Nelnet account has been closed since XXXX, but they are still reporting every month on my credit report. On XX/XX/XXXX Nelnet reported that I had a 120 day late which was not correct. My loans were in rehabilitation at that time and the Nelnet account was already closed for 4 years. I asked numerous times for this to be removed from my credit report as it is hurting my credit score and making it hard for me to have a better quality of life. The other two credit bureaus ( XXXX and XXXX ) have already made the adjustments after their investigation, however XXXX refuses to remove the false information.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: as of XX/XX/2018 my nelnet total balance was {$4000.00} with " standard '' repayment option and {$120.00} of payment scheduled on XX/XX/2018. XX/XX/2018 I received an email from nelnet notifying that there is balance adjustment. I logged into my nelnet account on XX/XX/2018 and I found my balance as {$4700.00} with " pay as you earn '' repayment. my interest rate for my accounts are 4.25 % and 3.15 % and i feel like nelnet made balance and repayment option change to earn extra money.
Company Response:
State: NY
Zip: 11361
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have about 45,000. in plus loans with Nelnet . I recently completed chapter XXXX bankruptcy so I have not been able to access my Nelnet documentation while I was in bankruptcy. My bankruptcy trustee made my loan payments and I could not view the Nelnet account online, I have been very careful to make all the payments on time because I was told I should qualify for Public Service loan forgiveness. I spoke with Nelnet and Federal Student Aid prior to starting Chapter XXXX bankruptcy due to a divorce and both parties, Nelnet and Studentloans.gov verified this. My employer has been approved I have that documentation. .Today I called Nelnet because I still can not access my account upon completion of 5 years of bankruptcy and I was told that I don't qualify because I am in the wrong repayment plan and my loans are not all consolidated. I thought my loans had been consolidated when my son finished college in XXXX. My loan balance is currently more than it was when I started the bankruptcy because my payments have only been going to interest. Had I known this I would have taken care of it before the bankruptcy payments began. The student loan payments were made out of my Chapter XXXX payment. I have spoken with several different people at this agency and at Nelnet over the past 10 years as I was planning for my loans to be cancelled. Today I was told that my 10 years would start over when I moved to the income based repayment plan and my loans are consolidated. I don't know how to proceed. At this point I have been out of bankruptcy since late XXXX and I still can not access my account which is why I called. The representative stated that the account was not cleared yet to be released to me so that I can view it. It should be another week or so. I was worried that if I miss payments my forgiveness would be voided. I have had to contact them yearly to get documentation of the interest I have paid for tax purposes. Turns out it doesn't matter anyway. I'm XXXX years old, I plan to retire one day. I have currently had and paid student loan payments most of my adult life. First for me then for my kids. Is there no justice in paying ones bills? I'm not trying to make this a sob story, I'm just so frustrated by the conflicting information that I've received. I honestly thought I had hit the 10 year point in XXXX, at that point I was told I would have to finish my bankruptsy.
Company Response:
State: OH
Zip: 45750
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have contacted Nelnet on more than one occasion about the amount they are reporting on my credit report and trying to collect from me. The amount of over {$12000.00} is incorrect. They received to loans from XXXX XXXX XXXX loan services in XX/XX/2018. At that point I have already made payments of XXXX ( {$1600.00} to collection fees, {$270.00} to interest and {$9900.00} to principal ). Every time I call, they ( Nelnet ) states there's nothing they can do to call XXXX XXXX. I call XXXX XXXX they tell me to call NelNet. However, I did receive a detailed payment history from XXXX XXXX ( the original collection agency ). When I spoke with someone at Nelnet ( multiple times ) and told them that I had it and could send it over they ( Nelnet ) still stated to call XXXX XXXX, who told me call Nelnet again. Not only is Nelnet trying to collect an inaccurate amount but also, they are charging interest rates to an extremely higher than accurate amount This is stressful and damaging to my credit report and worthiness. I am unable to get a home loan for my family we desperately need or even a bigger vehicle since my family has double with the birth of my XXXX. I am aware the one or both companies or in violation of " The Fair Credit Reporting Act " and " The Fair Debt Collection Practices Act ". I am feeling trapped and needs help.
Company Response:
State: MI
Zip: 48223
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I dispute the validity of the debt in entirety and every portion of it. I am requesting for exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nelnet Continues to report my account past due. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family. I have on numerous occasions tried to resolve this issue with them. Now I am receiving collection calls & letters from Department of Education debt collectors. I have made over 20 calls to NELNET in the month of XXXX and continued to get the run around. I find it peculiar that in my initial complaint I submitted to CFPB for Nelnet, I did NOT include that I sent over emails and also didn't state how many email I sent. However, in XXXX XXXX ( Nelnet ) response she stated that they didn't receive the 3 emails that I did send over. In response to their request, I have sent my over documents and have received the run around from NELNET since XXXX. Once I submitted all documents as requested they continued to say that they weren't receiving them and they are having issues with their email systems saying " sometimes we don't get all the emails. '' Finally, when someone did say they received them he told me it could be MONTHS before the status changes or account reporting is corrected. He did however offer to get on a call with whomever I needed him to, to validate that my account should NOT have been placed in default with the Department of Education! Suddenly I have been receiving emails for payment from NELNET and when I call no one seems to be able to let me know why. They were telling me they don't see why I would be getting a request for a {$50.00} payment and I have been advised to " ignore ''. I would like my account reported corrected IMMEDIATLEY and reported to all credit bureaus correctly IMMEDIATELY, as this was at no fault of mine. And I believe NELNET does not want to take responsibility for their actions. Please see previous correspondences below. Previous Complaint : Nelnet continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family. Received response from Company, on XX/XX/XXXX. Dear XXXX XXXX : Thank you for your inquiry regarding your federal student loan account serviced by Nelnet. Your concern, as we understand it, is we continue to report your account as past due even though your loans are in a forbearance and have been for over a year. A review of your account shows that we did not receive your email requests for a forbearance. In order to further research your account, we request you submit a complete copy of the three emails sent to us requesting a forbearance. Please include the top header of the email with the full information, including the email address the request was sent from, the email address it was sent to, and the full time date stamp showing when the email was sent. You can forward your emails to XXXX, and please include your Nelnet account number on them. Without additional research into your account, the credit reporting on your loans is not eligible to be updated. Your loans became delinquent on three occasions when payments were not received or postponed. We contacted you by postal mail, electronic correspondence, text, and phone without resolution for the delinquency on your account. Delinquent reports were submitted to the consumer reporting agencies ( CRAs ) for each month between : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Your loans defaulted on XX/XX/XXXX, and were transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) for servicing. XXXX can be reached at XXXX for any concerns about your loans. In accordance with the terms of your promissory note, the data furnishing requirements of the Fair Credit Reporting Act ( FCRA ), and the Consumer Data Industry Associations ( CDIA ) reporting guidelines, we must report data that is accurate and truly represents the status of the account. Because we found the reports made to the national consumer reporting agencies to be an accurate reflection of your account at the time, the reporting will not be removed or adjusted. We hope you find this information helpful. If you have questions, please visit Nelnet.com or call us at XXXX from XXXX XXXX to XXXX XXXX ( Eastern ) Monday Friday and XXXX XXXX to XXXX XXXX Saturday, or email XXXX. Sincerely, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: in XX/XX/2010 i took out loans of XXXX dollars. I lost my job and dont have steady income currently. Nelnet wants tax forms I dont have. Once i get a job i will go be making on time payments. just looking for a little good will while. I get back on my feet.
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My personal phone, and the personal phone of my son are being harassed by call centers that I'm assuming to be associated with Nelnet or XXXX. The person that they are calling and inquiring about is my son-in-law. I, nor do my son have any responsibility to this person 's debt, and all of the payments for any of my children 's debt that I have co-signed for are fully up to date. I don't understand how my son would be harassed by these tactics nor do I understand how they would associate him with my son in law without cross-referencing them through different accounts that we are associated with.
Company Response:
State: MA
Zip: 02131
Submitted Via: Web
Date Sent: 2018-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Hello, I have been trying to get my plan lowered. I initially mailed the documentation with all of the questions answered proof of income etc. Two months ago and per Nelnet I did not sign the documents. So Nelenet send me an email telling me this and sends the documents back prefilled and tells me I just need to sign and return. I did this the same day. I was under the assumption the documentation from the first round combined with the signature from the second round would be sufficient to process my request. So today I get another email from them saying now I need to answered the questions again which I have already one on two different occasions. So keep in mind I am sending this request because I can't afford the payments and each time they are telling me to wait it is ok please give them 15-20 days to respond. Keep in mind they report items after a certain time frame. One would assume that once they receive all documents it would be processed because I meet the requirements. Returned the documents twice. Now a third time and not only has this not been processed but also they have hit my credit report with a 90 day delinquency. Which in my opinion if you are sending the documents. I am complying with their requests my account should not be reported until this is resolved. So not only have you not processed my request but made my credit score take a hit and that is not fair on my end when I have complied and sent back the info.
Company Response:
State: TX
Zip: 76134
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Student loans through Nelnet, being issued in chunks, each distribution is an individual loan. In my case I have 7. Payments are made as one sum which is a grand total of what's owed for each loan. If a payment of this sum is missed or late. It is reported to the credit bureaus as 7 individual hits. So because of one missed payment your credit is hit 7 times. Which means your credit scorXXXX could be dropped 80 points from one late payment. This does not seem like a proper or fair practice of reporting.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A