Date Received: 2017-12-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had a XXXX in XXXX 2016 and went on the income=driven repayment plan as both my husband and myself were not working. I was advised by XXXX that the Federal Government would pay all of the interest on my subsidized loan and half on my unsubsidized loans. However, I do not believe this ever happened. I have contacted XXXX approximately ten times over the course of the year and each time have received totally different responses. At various times I have been told 1 ) they bill the Federal Government quarterly ; 2 ) they bill once a year ; 3 ) they had billed and were waiting for payment ; 4 ) that interest had stopped accruing on my account from the date I went on this plan, and most recently that 5 ) the government had already paid. However, NO record of payment has shown up in my account and it appears that all accrued interest was capitalized. I am extremely frustrated. I do not believe that their customer services know anything about this process and keep trying to give me the run-around about what has happened. Today they claimed there had been payment but they could not provide me with any documentation of that payment, and it appears the balances are the same ( including the capitalized interest ). It appears to me that the customer service agents have no idea how this process work, and make things up to cover for their lack of knowledge. I have spoken to supervisors there and continue to get the run-around. Today the representative I spoke to offered to transfer me to someone with whom I could file a formal complaint ; after being on hold for 20 minutes I gave up.
Company Response:
State: CA
Zip: 94941
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX, like my other complaint, refuses to supply detailed calculations underlying loan payment changes
Company Response:
State: CO
Zip: 80126
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have a student loan through nelnet I am permanently XXXX and have been since 2009 I submited papers for this to be dismissed due to being XXXX I am getting the run around on completing this process This is the last yr since i applied for the dismissal there is a 3 yr monitoring process i am told. And all i am getting is the same questions name address social security number But no completion
Company Response:
State: PA
Zip: 167XX
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit report ran by XXXX XXXX XXXX XXXX XXXX, 2017 by non-profit alliance for homeownership shows duplicate accounts from nelnet college loans accounts. Balance should be {$63000.00} with monthly payment of {$230.00} ; but is shown as $ XXXX.with monthly payments of XXXX, because the source code was entered in differently for source XXXX XXXX . I attempted countless hours speaking with Nelnet to fix this problem. I spoke with 3 different supervisors and the floor manager and was given several different reasons why the duplicate accounts occured without ever taking accountability for the error in their data processes. I need Nelnet to take accountability for their mistake so it does n't happen to anyone else. Please assist in the correction needed. Thank you.
Company Response:
State: FL
Zip: 33618
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I graduated from my XXXX and XXXX program in XXXX XXXX, I immediately went into after school deferment for 6 months ( XXXX XXXX ). Afterwards, I was in financial hardship for a year until XXXX XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XXXX XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XXXX XXXX. My credit report shows paying ontime up until XXXX XXXX but shows 90 Days late for XXXX and XXXX XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XXXX XXXX for my loans to be sent to them, they stated they finally received it in XXXX XXXX, my deferment ended in XXXX XXXX. But nelnet refuse to take actions to correct this issue.
Company Response:
State: TN
Zip: 37206
Submitted Via: Web
Date Sent: 2017-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I 'm being misled by my student loan servicer. They 're named Nelnet. Here 's how Nelnet misleads people : 1. You make payments online - in my case I 've made four payments online over the past three months. 2. You get an email confirming your payment - The emails literally say " Thank you for your payment. '' They show the payment amount, payment date, even the routing number and account number. I got these confirmations every time. All information listed was correct in each case. I know because I checked with my bank and with Nelnet. 3. This confirmation email is meaningless and misleading because you get them even if your payment is n't processed - For reasons neither Nelnet or my bank could explain, none of the payments were processed. 4. No follow-up email is sent to alert borrowers that their payment was not successfully processed - again, incredibly concerning and misleading. 5. Meanwhile, interest on your loan keeps piling up even though you think you 're paying off your loan - Nelnet benefits at the figurative and literal expense of borrowers like me trying to do the right thing. 6. When I realized what was happening, I immediately made Nelnet aware. I asked for the interest to be waived. Nelnet refused saying that it was " impossible. '' To recap : I paid my student loan payments to Nelnet online. They sent me confirmation emails that said " Thank you for your payment. '' Yet they never received such payments. And they never told me that my payments had not been processed. Meanwhile, interest accrued.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2017-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have reached out to XXXX XXXX XXXX/XXXX to dispute inaccurate information on my credit reports. On the year of 2016 they have a total of 36 late payments reporting on my all my accounts that I have with them. I do not call recall having late payments with Nelnet. I have always made sure that I update all my information to make sure that I never have to experience what I am going through now. As of today I am in a deferment status and in XX/XX/XXXX I will be starting the income based repayment plan. I am in the process of repairing my credit and the late payments are causing me a hard time purchasing a house for my family.
Company Response:
State: WI
Zip: 53206
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This date, XX/X/2017, I applied for a benefit offered by Nelnet. The benefit states I qualify for a 1 % reduction in interest as I have made 24* payments on time. I contacted Nelnet representative who denied the terms stipulated by NelNet. I am submitting comprehensive r3ecords kept by Nelnet and a copy of their policy for this issue.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2017-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-04
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: My daughter was attending college up until XXXX, I had moved from XXXX to XXXX in XXXX. In XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told XXXX that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. XXXX did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XX/XX/XXXX, yet the threating phone calls kept coming in getting me all worked up. The reports that XXXX have made and continue to make to my credit are false, when I explain to them it was an oversight and try to correct it, XXXX again starts swearing and telling me that they are there to ruin my credit scores across the 3 bureaus and make sure I do not obtain a good paying job of any kind. In fact when I have tried to work with XXXX to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I go work at XXXX.
Company Response:
State: VA
Zip: 23693
Submitted Via: Web
Date Sent: 2017-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-04
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: My daughter was attending college up until XXXX, I had moved from XXXX XXXX to XXXX in XXXX. In early XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told Nelnet that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. Nelnet did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XXXX of XXXX, yet the threating phone calls kept coming in from Nelnet all hours of the day and night. The reports that Nelnet have made and continue to make to the credit buearas are false, when I explain to them it was an oversight and try to correct it, Nelnet again starts swearing and telling me that they are there to ruin my credit score across the 3 bureaus and make sure I do not obtain a job. In fact when I have tried to work with Nelnet to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I " apply at XXXX that they are always hiring. '' This only scratches the surface of the horrors and harassment that Nelnet does and I am prepared to show you evidence of their repeated phone calls after hours.
Company Response:
State: VA
Zip: 23693
Submitted Via: Web
Date Sent: 2017-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A