Date Received: 2023-11-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Three student loans originally serviced by Nelnet Loan Services Inc. were transferred to Dept. of Education/Nelnet ( or XXXX/Nelnet ) XXXX but now XXXXwo versions of each loan appear on both my XXXX and my XXXX credit reports -- one version correctly categorizes each loan as " OK '' or " Pays As Agreed ; '' it also reflects the federally mandated student loan deferment which began in XXXX and, for me, ends XX/XX/XXXX. These correct items are, per my credit reports, services by either Dept. of Education/Nelnet or XXXX/Nelnet. The other version of each loan is listed as 120+ days overdue, does not reflect the federal deference, and includes several quirky errors ( i.e., dating the last payment as 1901, citing overdue payments yet also having " No information '' for that payment period ). This is the incorrect version. Nelnet Loan Services Inc. is listed as the servicer of these loans. Note that my XXXX credit report seems to be accurate. I disputed the incorrect versions with XXXX and XXXX earlier today ( XX/XX/XXXX ) after attempting to contact Nelnet directly to no avail ( all my calls were dropped during a long wait time ). Below please find relevant loan details : Incorrect Item # 1 : Nelnet Loan Services Inc. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ) Account Ending in XXXX Opened XX/XX/XXXX Appears on Page 86 of XXXX Report ; Page 24 of XXXX Report Incorrect Item # 2 : Nelnet Loan Services ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ) Account Ending in XXXX Opened XX/XX/XXXX Appears on Page 88 of XXXX Report ; Page 19 of XXXX Report Incorrect Item # 3 : Nelnet Loan Services ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ) Account Ending in XXXX Opened XXXX XX/XX/XXXX Appears on Page 90 of XXXX Report ; Page 14 of XXXX Report
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I made a payment for a specific date ( my due date ) and upon review of the receipt, it was marked for the following day. I was on the phone for 3 hours and all the representatives told me there was nothing that could be done. I asked for them to review the recording that specifically states my due date is the date the payment was made and they said nobody could. I was then told that I would need to pursue legal action to get any sort of resolution because nobody would fix it. The only thing they offered was to cancel my payment because they didn't honor their terms and conditions. All of this in spite of the supervisor agreeing that the information I agreed to was wrong.
Company Response:
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have an agreement with my loan servicer, Nelnet, to pay {$100.00} ( restarting in XXXX of 2023 ) to pay for my two federal student loans. On XXXX, I was charged {$590.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$300.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$590.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged $ XXXX for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$100.00} for " DEPT EDUCATIONSTUDENT LN '' ( I'm assuming this is the Nelnet charge ). I called Nelnet 's customer service line on XXXXXXXX and was informed by their representative that they show no history of the two ( 2 ) {$590.00} charges and no history of the two ( 2 ) {$300.00} charges ; they only see history for the one ( 1 ) {$100.00} charge. My overall outstanding student loan balance of {$12000.00} has not changed over the past two months even though my bank account was charged {$1700.00}.
Company Response:
State: HI
Zip: 96782
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received an email from Nelnet letting me know that student loan payments would resume in XXXX. My next payment would be due in XXXX. I made said payment an entire month early, on XX/XX/. Since I made the XXXX payment, I shouldnt have needed to make another payment till XXXX. At the end of XXXX my account said that I owed over {$900.00} and it shows interest. I made the payment already, so theres no way I shouldve owed {$900.00} and theres no way my account shouldve gained any interest. I made the payment and even emailed them to let them know that there was no way I owed {$900.00}. Paying the {$900.00} shouldve covered my loan payments for XXXX & XXXX, but now theyre telling me I owe a payment for XXXX. Its as if they took my early payment in XXXX and decided not to apply it to my student loan, while charging interest and falsely claiming I was late on a payment. I emailed them at the end of XXXX and have not received a response yet. It is also near impossible to get in contact over the phone. This allows Nelnet to pretty much do whatever they please while claiming theyre having difficulties leaving borrowers with no way to even contact them.
Company Response:
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet is my new student loan provider. Ever since I have gotten on the platform, my " amount due '' has been {$0.00}. But this is not correct. I owe $ XXXX in student loans and have just been manually paying $ XXXX for many months now. Now that student loan repayment has restarted, I have no idea how to get an updated amount. It also does not allow me to set up autopay. When I try to turn " on '' autopay, it tells me my autopay amount will only be {$410.00} and not occur until XX/XX/2024. Not only am I not able to modify this, but with autopay " on '' you get a 0.25 % discount on your loan. This service is currently blocked to me, and on a $ XXXX loan that is major. I'm fully able to make automatic payments. But the system will not let me turn it " on '' so that it works properly. Therefore, I am unfairly being blocked from accessing this discount due to issues with Nelnet 's service. And I am unfairly being charged more interest. I have called and messaged the company multiple times over the last 3 months. They do not respond.
Company Response:
State: OH
Zip: 43201
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Either on XX/XX/XXXX or XX/XX/XXXX, XXXX, I called Nelnet to see why I am getting charged {$55.00}. Nelnet told me I have 2 due dates so I was being charges twice per month due to me being transferred from Great Lake Borrowers. They told me they had to submit a form to a different department that will consolidate the due date but nothing ever happened afterwards. I requested a confirmation email for the work the agent did but never received anything. The same thing is occurring right now on XX/XX/XXXX. They did not offer any additional help or refunded the payment that I did not intend to make.
Company Response:
State: MO
Zip: 63043
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My student loan servicer Nelnet has inaccurately reported a missed payment in the amount of {$45.00}, which could result in financial harm to me including impacting my interest repayments and credit score. For the time being, I have paid the inaccurate balance to avoid further issues, however this mistake must be addressed and resolved immediately upon receiving this complaint. Additionally, an amount due of {$130.00} for XX/XX/23 is currently being shown on my dashboard, which is an inaccurate figure. The accurate amount I should be paying each month is the following, which I have paid each month in full ( proof is attached to this complaint ) : {$390.00} Asking me to pay any other amount, and punishing me for failing to do so, is fraudulent and abusive. Since reaching out to Nelnet directly means a 2+ hour wait on the phone for customer service, I'm forced to pursue other avenues like submitting this complaint. This is the second complaint I've been forced to submit. I will be reaching out to my congressperson about the atrocious treatment Nelnet has subjected me to. It is unconscionable to treat people in this way. If necessary, I am also prepared to contact a lawyer if this issue is not resolved.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been on about six 40+ minute phone calls and collectively about 18 hrs of time on hold or on a call back list for my student loan repayment. I finally was approved for my IDR SAVE program on my loans. I was told over the phone my monthly payment would be $ XXXX. Then, on XX/XX/XXXX, after being placed on administrative forbearance since XXXX while interest started accruing on my loans again while Nelnet processed my IDR application I receive a message in my account saying I owe $ XXXX for 12 months starting XX/XX/XXXX. So I set up my auto debit. I logged into my account on XX/XX/XXXXXXXX to ensure everything was still set up as planned and see that my loan payment is now due on XX/XX/XXXXXXXX and I owe {$450.00}. I call Nelnet, talk to Patience, was told there was a glitch and that I did only owe {$9.00}, she would fix it that same day. I check my account today XX/XX/XXXXXXXX and my account now says I have several due dates, the first one on XX/XX/XXXX for now {$460.00}. So I call Nelnet again, now XXXX tells me I owe the {$460.00}, plus the {$9.00}, plus {$1100.00}, plus {$1600.00} and only some of my loans were put on IDR plan due to a glitch and that they should all be put on the IDR plan in the next 4-6 weeks to have one single payment of about {$23.00} once resolved. She then put me on my third administrative forbearance while this paperwork is processed to put all my loans from the same school for the same degree all on the same IDR SAVE plan as they should have been in the first place according to her and everyone else Ive spoken to. During these administrative forbearances to keep my account current/not appear that Im missing payments, Ive accrued {$4300.00} of interest to date, which will continue to climb DAILY while I wait for new paperwork to process over the next 4-6 weeks. I want all my loans on the SAVE program just as I applied for and confirmed with the first customer service person I spoke to for $ XXXX and I should be reimbursed the interest accrued during all these administrative forbearances since XX/XX/XXXXXXXX until whenever the situation is remedied. Why should I be penalized for your company failing to complete my application and correctly apply the program to my loans due to this glitch?
Company Response:
State: WI
Zip: 53154
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I began disputed non factual information on my credit report and illegal practices of dept of education/Nelnet on XX/XX/2023. They claim that they are not in violation which they are along with XXXX XXXX and XXXX. Nelnet has a contract with department of education which violates my privacy and several consumer rights. Proof is a letter they sent XX/XX/XXXX they state they dont have to disclose the right to opt out when 15 USC 6802 ( b ) A states that a financial institution can not disclose non public information to a 3rd party unless they allow the consumer information and opportunity to consent which i the consumer never did. The cra are 3rd parties furnishing private information on a public record. These accounts need to be removed. Also all 3 bureaus are NOT reporting the same information on the same accounts which is another violation. XXXX and XXXX are still investigating the matter meanwhile XXXX falsely claims to have investigated the matter. Each bureau should be on the same accord. XXXX and XXXX report late payments which is a violation of FCRA to furnish late payments because they are considered transactions. XXXX has a higher balance where XXXX and XXXX doesnt. This was not a matter to investigate. It should cease and desist from furnishing private information to a public third party without my consent or option to opt out. How did XXXX make a decision before Nelnet. XXXX closed their investigation XX/XX/XXXX meanwhile Nelnet made their decision XX/XX/XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: I had applied for Public Service Loan Forgiveness the end of last year. I got notified that my loans had been forgiven and less than a month later I got an email saying that there was a vendor error and my loans were not forgiven. I had started my payments in XX/XX/XXXX and continued XXXX when the pandemic hit. I had made extra money toward the principal. I always checked the box. When the new servicer took over none of my old records were on the new site. I was always checking the site to see if anything was different or changed. I checked and finally something that looked like records from the old servicer was there and I copied them. They are not in my new account. I went to my Credit Union and got my records for the last 7 years because I paid my loans online. I was not able to reconcile with my bank statements with the so called old loan servicer. For me this is a red flag. I can get a loan from my credit union and be able to pay this off. Many of my friends who asked about this said don't it just yet. My interest rate will be much lower then what I am paying now. I only borrowed {$36000.00} and after XXXX years of payments and I still owe {$22000.00} for me this is a huge problem. The math for me doesn't work. Thank you
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A