Date Received: 2023-11-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Repeatedly contacted Nelnet regarding inability to login to account, but have not received login information. Further, I wish to delay repayment during on-ramp period, but Nelnet continues to send me increasing bill statements.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Enrolled in auto payment and somehow still have a payment that is past due. Should be totally impossible to have past due payments if enrolled in auto payment.
Company Response:
State: WA
Zip: 98502
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I submitted a request in XXXX XXXXXX/XX/2023 to be placed into the SAVE plan after consolidating a bulk of my loans. After over a month of processing I was placed into the SAVE plan but was also entered into deferment, so interest is accruing. I did not tell NelNet that I wanted to be in deferment. I only wanted to be on the SAVE plan based on my current income.
Company Response:
State: KY
Zip: 40504
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: A loan was taken out by an ex spouse. The ex spouse listed my information as a co-signer. We were divorced and part of the final decree was that she be solely responsible for the debt. I contacted the loan servicer ( Nelnet ) and was given an email to forward the final decree to so that they could remove me as a cosigner. I emailed them on XX/XX/XXXX to have them remove my name as cosigner on the loan. They never responded and I have emailed them on XX/XX/2010, and XXXX with no response whatsoever received from them. I have also submitted a dispute to all three credit bureaus to have my name removed. They have " disagreed '' with the Judge 's final court orders according to the credit bureaus.
Company Response:
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I contacted Nelnet to ask for an Income-Based Repayment Plan, and it was approved. I received a letter that stated that it would take some time to show on my Nelnet account, but that my qualifying loans would be {$33.00} starting at the end of XXXX. I tried multiple times to contact Nelnet because I did not see it on my account online. Not only that, but I contacted them and asked for a forbearance to make sure that my account would not go past due. Nelnet did not apply the forbearance on my account, and then they reported 90 days past due to all three credit bureaus. They reported that I was past due in the amount of {$710.00} which was not true. I have attached the letter that was sent to my online Nelnet account. I spoke to Nelnet XXXX XX/XX/XXXX after receiving notifications that my credit score had dropped XXXX XXXX due to Nelnet adding a 90-day past due to my account. They told me that they would apply the forbearance and that they would dispute my account to the credit bureaus, but I never received confirmation. I was on the phone for over 4 hours. They have ruined my credit score and I need it fixed. I was in the process of a loan, and now I am not able to. I need this fixed. I did everything on my part and they did not! Not only that, but I contacted Nelnet by email, chat, and phone calls, and nothing! I have been on hold for hours just to get hung up on. My credit score dropped thanks to them and I need it fixed. They ruined it and I have been super upset.
Company Response:
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I applied for the SAVE repayment plan on XX/XX/2023 via Nelnet. I did not hear back from Nelnet, so I called on XX/XX/2023, and spoke with XXXX. He said he wasn't sure why my application wasn't available and had me resubmit a verbal application on the phone, waived the {$5.00} IBR exit fee, brought my account to current, and I uploaded my proof of income 1099 form. XX/XX/2023, I was emailed 3 letters ; first email was my application was unable to be processed, second email was additional information was needed for my application, third email was a one-time payment needed to exit IBR plan . XX/XX/2023, I called and spoke with XXXX who could not see why it was denied. I was transferred to Support Specialist XXXX who also could not see why it was denied. She then had me re-submit another verbal application, I paid the {$5.00} exit fee, and she guaranteed that there should be no reason I would be denied and repeatedly assured me I did not need to upload any more documents. She placed my application on express and said that I should be approved within 2 weeks. I asked for a written letter of what we had spoken about and what she said was going to happen but she said she could not do anything like that for me. XX/XX/XXXX I received an email saying my application review was in progress. XX/XX/XXXX I received an email that a forbearance had been applied to my account. XX/XX/XXXX, I received an email saying I had a new statement available, which was still for the Standard Repayment Plan. XX/XX/XXXX, I received an email that my application review was in progress. XX/XX/XXXX I received an email that my application review was in progress. XX/XX/XXXX I received an email saying my application was incomplete and needed more information. I called on XX/XX/XXXX, spoke with XXXX who said my application had been marked Abandoned. I was transferred to Support Specialist XXXX who told me I had multiple applications open, some marked Abandoned and one was pending. He told me that the system had not seen the {$5.00} payment I made to exit the IBR plan and that the system would transfer me over to the SAVE plan once I was billed for the exit fee. He advised that when the next billing statement is sent out ( XX/XX/XXXX ), that it will be for {$5.00}, once I pay that, then the system can move my application through and I will be on the SAVE plan. He confirmed that I do not need to anything additional, just to wait for the new statement, pay the {$5.00} exit fee, and then my account will be switched over to the SAVE plan. I asked that the interest that has been compounded during this period of Nelnet 's incompetence be taken from my account and he said that the government has not set a limitation on processing time so that could not be done. I was then hung up on.
Company Response:
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: my student loans were on an income driven repayment plan which required me to have a XXXX payment.. once covid came loans in forbearance due to the government putting payments on hold. The lender reported for a total of 16 months that every month i was late. I tried contacting them and letting them know my loan was on an income based repayment plan and also the forbearance the government provided was in place during the time they were reporting my loan as past due. i have given them 2 months to report the mistake to the credit bureaus but they have not done so.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am writing to express my deep frustration and concern regarding the recent challenges I've faced while managing my student loans through Nelnet , Inc . I kindly request your assistance in resolving these matters and providing clear guidance on the status of my applications. Over the past few months, with help from the XXXX XXXX XXXX XXXX, I've made persistent attempts to contact Nelnet by phone to discuss crucial matters concerning my student loans, such as applying for unemployment deferment and completing the Income-Driven Repayment ( IDR ) plan. Regrettably, despite spending multiple hours on hold ( up to XXXX hours per day ), I've encountered extensive wait times and have been unable to reach a representative. I understand there are others who may be going through the same difficulties, and I am a customer in line. However, this ongoing difficulty in establishing contact has left me feeling overwhelmed and anxious about the status of my student loans. As a responsible borrower, I'm committed to maintaining good standing and ensuring the accuracy of my payments and paperwork. However, the lack of timely communication with Nelnet has made it challenging for me to proceed, placing added pressure on my job search. Moreover, I am formally disputing a XXXX-day delinquency that has inaccurately impacted my student loan account and been reported to the three credit bureaus. This has severely damaged my credit standing, despite my consistent efforts to maintain a spotless payment history over the past several years. Upon receiving an alert from my credit reports indicating a XXXX-day missed payment on XX/XX/2023, I realized there might be an error in this assessment. Due to the imminent date of my loans becoming due, I realized I was running out of time, therefore, with the help of the National Student Loan reps, I had already applied for an unemployment deferment and completed my IDR repayment plan before the XX/XX/2023 deadline. I have attached proof of this correspondence for your reference. This error has caused undue stress and concern, impacting my credit score and financial standing. I've always been committed to meeting my financial obligations, and it's essential that my record accurately reflects this. I kindly request a prompt investigation and correction of this error, along with confirmation of the correction. Additionally, I would appreciate the removal of the XXXXday reporting from my account. This has brought on damage beyond repair at this point. I trusted that Nelnet would take matters like this seriously and would address this situation promptly. I value my positive relationship with them and hoped to resolve this issue amicably. However, after receiving the last correspondence from them, it has brought on more frustration due to the lack of empathy and communication. Your attention to this matter and commitment to assisting me with resolving these challenges are greatly appreciated.
Company Response:
State: SC
Zip: 29621
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/ I went to the studentaid.gov website and applied for the Income-Driven Repayment Plan ( SAVE ) program. The application went to my servicer Nelnet to complete. I also applied for Public Service Loan Forgiveness which I already received earlier this year for a portion of my loans through XXXX. XXXX is waiting to get my consolidated loans and Income-Driven Repayment Plan application from Nelnet but they refuse to process it or give me any information about when they will send my loans over to XXXX. I emailed and they sent me a generic response with no specific information. I call and am told to hold for 60 minutes to speak with an agent only to have the call disconnected. My XXXX also has student loans with Nelnet and his Income-Driven Repayment Plan ( SAVE ) application was submitted after mine in XXXX and it has already been processed and approved in less than 30 days.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: This is my second complaint. Nelnet responded and I got a letter stating my application was approved on XX/XX/XXXX. 5 days later my account was put back in forbearance and my payments increase to what they were before I was approved. I called and no one could give me any answers. They asked me to pay {$5.00} to change plans but I already paid that over a month ago. They filled out a form but I dont understand why I was approved and have a letter that is as approved, my payments changed and then a couple days later went back to what it was. And theyre asking me to pay {$5.00} that I have record and their representative says they have record I have already paid. This is the most ridiculous thing Ive ever gone through. I am so frustrated.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A