Date Received: 2018-09-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The loan from XXXX was paid off but is now showing 60-90 days past due. This is effecting my score tremendously and I would like to get this updated asap.
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There are 90 day delinquencies on my credit report that are erroneous. I set up deferment status with the student loan company and they neglected to follow through with the status update on my file. 3 months later I received my first late notice. I called and inquired as to why I was in delinquent status and was informed that there was no deferral in place on my account. I explained that I had spoken to someone about the deferral previously and was told that I would be granted an administrative forbearance retroactively and have the delinquency taken off my credit record. A few years later I checked my credit report to see that the forbearance had never happened as promised and that I still had 4 separate delinquencies stemming from one bundle of loans all originating from the same lender. I believe this in itself is a unfair practice and unnecessarily burdens young XXXX by damaging their credit excessively. I believe the error in reporting is due to an overloaded staff at the agency. I was very clear about the terms of deferment and forbearance on the phone but my account was not updated to reflect this.
Company Response:
State: OR
Zip: 97132
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/18, I received an alert from a credit monitoring system that I was 90 days late on my student loan serviced through Nelnet. I called and spoke with Nelnet and advised that I had spoke with a representative back in XXXX. I asked her what we could do to try and remove the 90 day late pay and she immediately jumped to defense and only told me that she could not do this and that the late pay would stay. She never offered me an investigation or even to speak with upper management and now this has totally ruined my credit because of error that they made on their part.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: In XXXX my student loans were transferred from Nelnet to XXXX. XXXX increased the amount due by approximately {$19000.00} in collection costs and penalties. My balance went from approximately {$35000.00} to {$54000.00}. The loans were then transferred back to Nelnet for collection. I disputed the debt on XX/XX/XXXX. See attachment. I also requested an administrative review pursuant to 34 CFR 682.410 ( b ) ( 5 ). The request was made on XX/XX/XXXX. See attachment.. Nelnet ignored both the dispute letter and the request for review. They proceeded with collection. On XX/XX/XXXX they filed a negative report to XXXX and XXXX. On XX/XX/XXXX they filed another negative report to the same credit agencies. The report is also attached. Collections should have stopped upon receipt of my dispute letter and an administrative review should have been conducted upon the XX/XX/XXXX request. Instead Nelnet ignored the federal consumer protection laws.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
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: On XX/XX/2018 Nelnet reported my account 90 day delinquent. On XX/XX/2018 I made a payment of what I could at the time of XXXX. This payment was not for the full amount but this is the only amount I could afford at the time. Now my credit score has dropped significantly And its affecting my ability to provide housing for my children. I asked Nelnet if they could remove this 90 day late delinquent status and they said they are not able to do that. This is my absolute first time being 90 day late on the payment I honestly dont feel that I was totally late because of my payment I submitted XX/XX/XXXX. I would like this to be removed from all credit reports.
Company Response:
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet accepted my payment online for {$200.00} through my checking account which is also my credit card its the same account then they refunded the money. I was on a low payment plan because I was laid off but that was set to expire which means my payments would go up to {$600.00} a month I cant afford that. Meanwhile I am gaining interest of around {$500.00} a month I owe {$65000.00}. Upon graduation XXXX said I owe them XXXX more dollars and never gave me my XXXX degree I have no transcripts and no degree and the school has closed. I cant get a job because Im a XXXX I shouldve never been approved for the program in the first place. I am driving a truck and have been since XX/XX/2014 when I graduated.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My current student loan balance on statement dated XX/XX/18 ( payment due date of XX/XX/18 ) was : {$39000.00}. My monthly auto drafted payment totals {$350.00} and the total interest that accrues is month is {$160.00}. After my payment of {$350.00} deducted on XX/XX/18, I receive an email about a week later stating that my new billing statement is ready. Upon reviewing my new statement, dated XX/XX/18, I see that my current balance is now : {$39000.00} ... a decrease of only {$110.00}. I am paying {$350.00} a month for my balance to only decrease by {$110.00}! This does not add up if my monthly increase is {$160.00}. Where is the remaining {$76.00} going? None of the customer services reps will kindly take the time to explain this to me. They talk to me as if Im uneducated and try to rush me off the phone. Im extremely fed up that I work extremely hard only to be stuck with student loans they never decrease. Please help me in resolving this issue, Im exhausted.
Company Response:
State: SC
Zip: 29205
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I recieved the following email from a loan servicer. This loan servicer managed my previous student loans that have been % 100 need paid off since XXXX. They did not properly document the full and complete payment of loans and are now trying to charge interest on a principal balance that does not exist. Dear XXXX, We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$1000.00}. The change in your principal balance may result in a change to your regular monthly payment amount. If so, your next statement with a payment due will reflect your new payment amount. We will send your statement about three weeks before each payment is due. Making your student loan payment is easy! Use your mobile device or computer to get started in three easy steps : Log in to your Nelnet.com account to view your loan balance, amount due, and upcoming payment due dates. Choose your payment method. Sign up for auto debit, make a one-time online payment, or pay via your XXXX or XXXX mobile phone. Make your payment. Helpful Account Information Current principal balance : {$450.00} Next payment due : XX/XX/XXXX Regular monthly payment amount : {$5.00} Additional important account information will be provided on your monthly billing statement. Questions? Were here for you. Visit Nelnet.com or call us at XXXX from XXXX XXXX to XXXX XXXX ( Eastern ) Monday Friday and XXXX XXXX to XXXX XXXX Saturday. Sincerely, Your Nelnet Customer Service Team LOG IN TO YOUR ACCOUNT Make a Payment Repayment Options
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer 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.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: After XX/XX/XXXX and around XX/XX/XXXX my University of XXXX student loan I had closed and disputed in XX/XX/XXXX was finally removed and no longer owed that a third party collection called Nelnet picked up my personal identity account information over a few months after XX/XX/XXXX and started harassing me worst than the scam lottery sweepstakes was doing to me and so I agreed to work out with Nelnet why the College I took less than a month of online courses with was not updating I changed and updated my balance to a whole different College not listed around them called XXXX University in florida to keep me from owing and having any withdraws for the one month online schooling I was paid for and the College grant funding was returned back to University of XXXX I borrowed that caused Nelnet to report I receive other funding from their education funding and I only took out the one student loan that was on my credit bureau and Nelnet reported to both credit bureaus I owe them my student loan debt after my student loan was reported paid off Nelnet was reported by the BBB and now their Supervisor is saying hire a lawyer because it was verified with their advisors I owed it from the University of XXXX billing me and their Admission and financial aid records explained even after 180 days it was no longer owed and nothing on file after seven years to keep being billed for. The University of XXXX contacted Nelnet about me not owing the student loan after Nelnet said I owed the University thats why they keep billing me and to recertify the student loan for over 15 years for it to be removed and I was only given borrower defense repayment program emailed XX/XX/XXXX from Nelnet fraud department after being scammed this student loan debt account and I uploaded this screenshot that my student loan was borrowed and paid in full with University of XXXX already after Nelnet keep providing signed documents of me borrowing and withdraw check and one month schooling online I received from University of XXXX XXXX in charge of that department had XXXX the advisor with Nelnet update my bill was never in collection and being paid to Nelnet and so Nelnet supervisor explained have a lawyer remove it by now and I would like this fraudulent student loan XXXX account with Nelnet deleted their making statements for the University of XXXX by updated changes to the credit bureau and the screenshot shows that my student loan I opened a account with one was canceled the other one paid in full with XXXX XXXX XXXX and updated like that from XX/XX/XXXX-XX/XX/XXXX as paid off and removed. I never signed and took out a personal student loan just mailed out deposit money orders for those kind and Nelnet scammed this one to me and I am filing this complaint to have them remove my identity and account information from their records the University of XXXX verified nothing was owed to Nelnet in XX/XX/XXXX I am being billed by a Nelnet company and told to hire a lawyer to have this student loan account removed that Nelnet have a billing account for me on in XX/XX/XXXX.
Company Response:
State: TX
Zip: 77642
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A