NELNET, INC.

2019-05-26

Clinton Township, MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-05-26

Woodland Hills, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-05-25

Aliso Viejo, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-05-25

Collierville, TN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-05-25

Buck, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have requested a specific way to apply my payments and Nelnet just cant get it right. I have emailed them and phoned them. I make two payments per month. The payment on the XXXX of the month in the amount of {$230.00} is to be applied to both groups A and B. The second payment made by my employer is made approximately the XXXX of each month in the amount of {$250.00} and is to be applied to wholly group B. My payment on XX/XX/2019 in the amount of {$230.00} was applied incorrectly. In spite of repeated requests to reapply it remains incorrect. My recent payment made on XX/XX/2019 is also applied incorrectly. In total I have spent hours on the phone with them and countless emails. I can not continue to spend large amounts of time on this. And it doesnt seem to difficult to get it right. Also staff is quite rude.
Company Response: Closed with explanation

Timely Response

2019-05-24

Memphis, TN

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Information that should be on the report is missing
Complaint: My information is being used in a manner that destroys good character, livelihood, and the community. My credit score and background has been conspired to insure that my career never takes off and because of the allotted misuse of my information this is one in the series of steps taken to provide this incident never happens to me again.
Company Response: Closed with explanation

Timely Response

2019-05-23

OH

Problem with a credit reporting company's investigation into an existing problem

Student loan: Federal student loan servicing

Their investigation did not fix an error on your report
Complaint: NELNET CONTINUES TO REPORT A 1 TIME LATE ON MY STUDENT LOAN WHEN THE ACCOUNT WAS IN DEFERMENT
Company Response: Closed with explanation

Timely Response

2019-05-23

Dededo, GU

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I'm a resident of XXXX paying my student loans through Nelnet. XXXX is XXXX on the other side of the International Date Line. XXXX our XX/XX/XXXX is XX/XX/XXXX for most of the day stateside. Nelnet advertises that they deduct their payments on the 1st of the month which is true stateside, however on XXXX that translates to the XXXX or XXXX I had sufficient funds in my account on XX/XX/XXXX, however since their debit attempt for {$470.00} occurred on the XXXX, the transfer was denied and I was hit with a {$25.00} NSF fee. Nelnet needs to make allowances for clients on the other side of IDL and adjust their practices accordingly. They also need to credit my account for {$25.00} since it was their mistake. Nelnet denies all responsibility and refuses to adjust their practices so that their debits occur on the XXXX of the month for every customer.
Company Response: Closed with explanation

Timely Response

2019-05-22

Columbia, SC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-05-21

E Fairfield, VT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: Nelnet has been handling my student loans since XX/XX/XXXX. The original loan amounts totaled {$41000.00} with a 6.8 % interest rate. Since XX/XX/XXXX, I have paid over {$15000.00} toward my student loans. I just received a letter from the department of education dated XX/XX/XXXX that I owe them {$48000.00}. I checked my Nelnet account and it says the account was paid off with a {$48000.00} payment - which I am assuming is the department of education 's payment they are trying to collect. I contacted Nelnet about the fraudulent amount but they have not responded. They are trying to overcharge me by {$20000.00}! Please help!
Company Response: Closed with explanation

Timely Response

2019-05-21

Philatelic Center, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: XX/XX/2019 Nelnet XXXX. XXXX XXXX XXXX, NE XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification : Dept of ED/ Nelnet XXXX Unverified Account
Company Response: Closed with explanation

Timely Response

2019-05-21

Tulsa, OK

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I believe the Nelnet is unfairly and possibly illegally putting borrowers in the position to have to potentially pay more on their student loans by forcing them to capitalize their interest into the loan by failing to advise on denied application for income base repayment. On XX/XX/2019, I submitted my annual recertification for the IBR and was confused on a particular question about access to my spouses income. I marked that I don't have access to her income because she is a XXXX XXXX, and does not have income. This apparently required more information that they claim they emailed, called, and mailed to me and that I did not respond resulting in a denial of my IBR request. I found out today, XX/XX/2019, when I received a statement with an " incorrect '' amount. I have not received one email from Nelnet until today when the advisor I spoke to on the phone emailed me a correct application to sign and send back. I have not received anything through the mail except the monthly statements. And I have received no calls. I was informed that I could check on all this on my Nelnet account. After logging into this account, there is NO correspondece from them in any way, outside of statements. Now, in order to not become delinquent on my account, I am forced to file for a deferment while they process my application ( again ) which then allows them to capitalize on the interest. If they had actually contacted me anytime within the last 2 months to inform me of the issue, I could have addressed it in due time without having to require this deferment. This behavior is very shady. I know this could possibly seem like a roundabout scam but if they are doing this to me who else is being taken advantage.
Company Response: Closed with explanation

Timely Response

2019-05-21

Discovery Bay, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I attended XXXX college in XXXX XXXX from XXXX to XXXX. While attending this school I had taken all student loans to be able to afford my education. I have not nor was I ever able to get a job in the field that I graduated for and now I am unable to obtain transcripts or any further information about my enrollment or completion of that program and have loans that I have to repay. Its also going to cost me additional monies to achieve the same goal and retake classes and I have already completed which now I have no proof and can receive credit for.
Company Response: Closed with explanation

Timely Response

2019-05-21

Tampa, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-05-20

Spring Hill, FL

Problem with a credit reporting company's investigation into an existing problem

Student loan: Federal student loan servicing

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2019-05-20

Long Beach, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-05-20

Salem, OR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-05-19

San Jose, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-05-19

Leeton, UT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My school closed and I am within my legal rights to pursue a discharge of all loans taken out while in attendance at the closed school. Attendance in pursuit of the degree I was seeking included two different campuses as my school had multiple campuses-the campus listed on this complaint and the XXXX XXXX XXXX, UT campus of the same school. A loan discharge application was rejected by my lender and upon fixing the errors they claim it had the second one was rejected as well, in spite of all purported errors having been fixed. At this point it is clear they are illegally denying me my lawful right to a discharge of my loans.
Company Response: Closed with explanation

Timely Response

2019-05-18

Bismarck, ND

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-05-18

Sanders, KY

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Billing dispute for services
Complaint: I attended this college with graduating with an XXXX XXXX. When enrolling it was stated and promised that Anyone could transfer credits at anytime so if I decided to continue my education at another college that offers XXXX Id be two years ahead of the game. I originally enrolled early XXXX. Which I was charged for being on day 3 in my 3 classes, which is the 3rd week since each class was only one day a week. They refused to help me. I was 4 months XXXX and on the verge of XXXX my child. They made me either drop out and pay before coming back or fail and pay towards loan. That was my only two options. I chose to fail so I could come back after my abrupt medical leave. Went back re enrolled XXXX, same statements and promises applied with transferring credits, and promised landing a job right after graduation or sooner with the degree earned. I finished in XXXX graduated and since I was hired through my internship I never got to find out myself that they didnt help others. However, almost XXXX dollars in debt later. My credits dont transfer to any other school. Going back Id have to start all over unless I went back to The same school. Which now its closed permanently and the next one is no where close to me. XXXX was being sued by common wealth of KY a few years ago for the promises made to the students who attended between XXXX and a few years later for false information. I now have almost XXXX in debt to go nowhere. I cant get another loan to start all over again. I cant afford that. 2 years wasted with a degree thats just a piece of paper. I dont think its far I owe all of that for a piece of paper. Department of education/nelnet should consider an early forgiveness since common wealth suing didnt help the students who were effected by this. I want to be set free from this loan that is useless.
Company Response: Closed with explanation

Timely Response

2019-05-18

Nyc, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: I requested a forbearance extension as I'm currently unemployed due to my XXXX. Instead of replying to my email, they just put the loans in default the same day. Their customer service is practically non-existent, they always just say " there is nothing we can do. '' Their goal is just to get you off the phone so they don't have to bother trying to fix anything. Please PLEASE choose any other servicer. This company is predatory and unethical.
Company Response: Closed with explanation

Timely Response

2019-05-18

Marina Del Rey, CA

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-05-17

MI

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation

Timely Response

2019-05-17

Austin, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response