Date Received: 2023-11-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My XXXX loan balance is XXXX they reported XXXX I was denied for my mortgage due to this. They stated this was not their fault and I was a victim of credit report timing. They have cost me my new home.
Company Response:
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Student loan was placed into administrative forbearance and is accruing interest. Previously was on the repaye plan and now on save. Both of which have reduced interests payments. Called to be placed on save and to start payments, but they are unable to process the plan. This is very frustrating and is accumulating over {$1000.00} of extra interest every month.
Company Response:
State: IA
Zip: 52246
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: I contacted Great Lakes regarding my Bankruptcy and that I was ordered into repayment of $ XXXX because of the student loans which I have been paying for several years and Great Lakes is also wanting to me to repay them also the $ XXXX. I sent Great Lakes the Bankruptcy Order of repayment. My student loans with Great Lakes were put into Default and now sent over to Nelnet and I must set a up a payment schedule. I am still paying the court order bankruptcy repayments as ordered by the Bankruptcy Ordered to pay off the Student Loans. However, by setting up a payment scheduled payments with Nelnet I would be paying double the amount. I Filed Bankruptcy in 2015 here in district of XXXX of Florida and submitted my repayment and court ordered repayment to Great Lakes a couple of years ago and to date have never received any response. I have also talked to them on the phone a few years ago and they have told me that as far as they were concerned, they have no records of the bankruptcy, and I must repay all student loans. I also enrolled at XXXX University Online under the guise that I was taking courses for XXXX and XXXX XXXX and that was not the case. After many inquiries after a couple of years of them telling me to continue taking classes and the classes would get to the XXXX XXXX and XXXX one person finally told me they did not offer XXXX XXXX and XXXX at their college. They deceived me and signed me up for courses I was not interested in and beyond my scope or educational background.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: So I have been trying to reach out to Nelnet for the past XXXX weeks and I have not been getting anywhere with Nelnet every time I called their customer service, I've always been on Hold for over an hour just to get through them. It's just impossible for me to get through, I try to access the account information online with a user named password. They told me that my information can not be confirmed or verified. I tried the automotive system. The automated system will not takemy social security number or date of birth. It says that information does not match either. So what I'm trying to find out is how can I go out about making payments or see if I can even afford to make payments? Because you are asking close to {$3000.00} on my monthly payment. Which I can not afford so that's my complaint. My complaint is that I can not get through to you guys through the animated system to discuss my account options
Company Response:
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I applied to XXXX in XXXX and provided necessary documentation in XXXX. I have not heard back about my application, so in XXXX I called Nelnet. I waited XXXX hours to speak to a representative and they said they are " processing '' my application. Nelnet told me they were " processing '' my applciation a week prior as well and it's been well over a month that it has been " processing ''. The representative also let me know my account is in forbearance and I would not have to make a payment in XXXX but that is not reflected in my account and an auto payment was made in XXXX. I don't believe it should take 3 months to " process '' an application, I should have a response by now.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loans are currently in deferment as I am studying part-time. I did not choose to have my loans in deferment nor donI want my loans in deferment. I have been unable to cancel my deferment through Nelnets online service not through the phone. I am accruing interest in loans I want to pay off. I have made XXXX payments which were returned to me and I have made XXXX payment where the money was not allocated to my loan balance and was not returned to me, stolen.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Before repayment started. I tested my payment method to ensure auto payment on Nelnet could continue uninterrupted. I was previously on Great lakes. Successfully added current checking account and made payments. When loans restarted nelnet charged the banking account that was linked to great lakes but not nelnet. Despite the account not bring linked to current account and auto debit being linked to new checking account. When i reached out to Nelnet via phone support after i requested that the call be escalated they eventually advised me the old checking account is no longer linked the Nelnet account which will update to state the payment was not captured and then i can submit the XX/XX/XXXX payment. As of XX/XX/XXXX the account has not updated. I decided to make the XX/XX/XXXX payment of {$260.00} early on XX/XX/XXXX to ensure the payment was processed successfully before the holiday. After the payment was processed Nelnet then updated the payment due for another payment of $ XXXX on XX/XX/XXXX. There is no reason why i should be double charged for XXXX. The double payment does not reflect the not actually charged XXXX payment which was for XXXX. I have tried emailing multiple times and will be connecting with law firms to explore all potential avenues. I want to be able to submit my payment as expected or early without having to worry about what XXXX occur. Standard billing practices used across most major companies in XXXX. I have to pay my bill yet there is no punishment or standard for Nelnet to even get the billing processed correctly. Which is literally their job.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: I was approved for a forbearance ( documents attached ). I have tried to contact NelNet via phone and email for over a week with hold times of an hour or more, never being able to speak to a customer service agent. As I type this I have been on hold for 35 minutes after calling right at XXXX with an estimated wait time of 2 minutes. NelNet is going to report my account 30 days late for a payment not being made in XX/XX/XXXX, but my forbearance letters ( attached ) say I do not have a payment due until XX/XX/XXXX. I have worked very hard on my credit over the years and my employment depends on having a healthy score. A 30-day late will destroy my report. There are no other options to contact NelNet and I have to work so I can't sit on hold for more than an hour which I'm sure is true for most people. I tried using the chat feature but it is only AI and was not helpful.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been a part-time student through XXXX University this Fall XXXX. My student loans have come from multiple colleges during my studies, but Nelnet has serviced them all. I submitted a request for deferment first to Nelnet as directed by their email, in which I received notice that my loan was due that month on XX/XX/XXXX through their website. When I submitted the deferment request, the website said they would contact my school and get back to me. However, I never received any notice about them contacting my school or any update on the status of my deferment, only a reminder email that my payment was due that month again. I sent another request on XX/XX/XXXX and am still waiting to receive any information from Nelnet related to my deferment requests. Except to receive an email stating that they considered my account " past due '' and requesting {$650.00} as of XX/XX/XXXX, considering I notified Nelnet on multiple occasions and gave them time to contact XXXX to verify that I am attending, I should not have to make the payment, nor should it be " late '' since I was a part-time student and should not have to make payments yet. I searched Nelnet 's website, hoping to locate records of my deferment requests that I made through the website, which is supposed to be the proper method of requesting deferment. Still, this information is not available on the website to students. Perhaps they likely do not want evidence of their misbehavior to be easily accessible to students. I am a night shift XXXX, so it is difficult, at best, to contact Nelnet by phone during their regular business hours. For clarification, the FA from XXXX was related to charges being taken off of the bill because we were the first group trying out a new major component of the course in Fall I so it was a " scholarship '' from XXXX. But I believe it would demonstrate that I was enrolled with XXXX.
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: My student loan servicer is intentionally delaying my teacher student loan forgiveness. After completing my 5 years teaching in a high needs school, I submitted by application to Great Lakes Borrower Service. Unfortunately, my loan was transferred to Nelnet during that process. I resubmitted my application and Nelnet sent the application back to me on reasonable cause. I have since had to resubmit my loan forgiveness application 5 times for various petty reasons such as the signature date being too old or the signature being slightly faded. Does the signature date actually matter? The signature was old due to the fact Nelnet took over my loan. They also fail to tell me about these issues upfront. I did not learn the signature date was an issue until my 3rd resubmission. If it truly was an issue, why wasn't I told that upfront when I made other corrections. Every time I resubmit my application I ask for any corrections to be emailed back to me but instead they mail it back to me which delays the process even longer. They flat out disregard my request to email. Additionally, Nelnet 's resubmission process is intentionally flawed. There is no way to submit my application through the website. I can only submit it through email or through mail. Unfortunately, they often ignore the email until I file a complaint through their website. If I try to call I am met with XXXX wait times ( no callback option ) with the worst customer service imaginable. I have been disconnected and flat out told I just need to wait even though they have exceeded the XXXX business day wait period in which they say I will hear back from them. I submitted my most recent resubmission XX/XX/XXXX and have no heard a single thing back from them despite numerous attempts. A simple correction should take mere seconds to check. If I email them I am sent back an automated email with a list of frequently asked questions. It is a do not reply email so they have effectively eliminated any communication. Nelnet practices malicious incompetence to ensure all payments are continued let alone the extra interest it is accruing.
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A