NELNET, INC.
Consumer Complaints
There are over 3518 complaints on file for NELNET, INC.. Dated between 2019-12-10 and 2012-03-07.
Complaints Page 28
2019-03-06
Atlanta, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: My first contact with the XXXX XXXX XXXX was XXXX to dispute the late payments. I contacted the XXXX XXXX XXXX again by fax in XXXX to dispute the inaccuracies once again. My student loans date back to XXXX. The agency is reporting the accounts as being 90/120 days late in XXXX. I advised the agent when she contacted me by phone about the deferment being approved during that time period as she agreed, but not backdated to the date in which was requested as the reported delinquent timeframe, as stated in the agreed contract. She stated it may be an error, but because it was awhile back it can not be rectified. This was not a satisfying resolution for the fact it is showing inaccurate, due to staff error and causing me to reflect a low credit score. Later in XXXX, I submitted another complaint through XXXX and received a " verified and confirmed '' status without investigation. Recently, my student loans were consolidated and are in good standings. The issue of the late payments are not my error and the agency has refused to cooperate with resolving this issue.
Company Response: Closed with explanation
2019-03-06
Bethayres, PA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2019-03-06
San Antonio, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I got a scam call about my student loan Yes this is XXXX XXXX and I'm calling in referenced to your Federal Student Loan. I need to discuss your repayment options with some new changes that have taken effect recently. So, if you could please be sure to give me a call back, my number is XXXX. And I am going to give you a reference number, if you would please have this handy when you call back, that would be very helpful. Your reference number is XXXX. Thank you! ''
Company Response: Closed with explanation
2019-03-06
Canby, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: Nelnet refuses to accept a document I uploaded as proof of my income for XXXX. I provided a w-2 for years XXXX, XXXX, XXXX. My w-2 for XXXX was taken by my ex husband for filing taxes. He would not return it. I called XXXX and nelnet and was told that a screenshot of my year end pay sub would be suitable as well as something as simple as writing my total gross income a plain paper and sending it to nelnet/XXXX. I sent a screenshot. I also filled out the financial disclosure letters as requested. Nelnet has refused to accept my gross income statement from XXXX even though I was told any proof was acceptable. My loans went into default and my XXXX tax return has been garnished. I feel I have provided acceptable proof for all 4 years and no one I talk to will help me. I consider this abusive and dishonest by nelnet advisors. There is no way to upload documents directly to XXXX website, only through Nelnet. Obviously they share the files because XXXX can view them but still refuses to accept my income statement for XXXX
Company Response: Closed with explanation
2019-03-05
Boston, MA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Filed by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NE XXXX Complaint Description : I paid off my student loan in full that is from XXXX! Well past the 7 year minimum for reporting on my credit. When I call Nelnet or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from XXXX ( 15 years ago!! ) I have called Nelnet countless times and have sent letters asking Nelnet to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. Nelnet just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!
Company Response: Closed with explanation
2019-03-05
Mcminnville, OR
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2019-03-05
Galena, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: When I got my apartment last XX/XX/XXXX I had a XXXXredit score of XXXX when I applied for a credit card a couple weeks ago I was turned down due to late payments on a student loan. I have prided myself on making payments on time and paying off my used car. When I was turned down I was totally shocked and did not understand. So when I returned to work I pulled my credit report and saw that Nelnet had me 120 days delinquent and {$3200.00} behind. I had been paying the XXXX XXXX XXXX and XXXX but did not realize that I had a third loan company sitting out there as I had never received any correspondence from them. I had resided with my mom my whole life with no address change. She or I would of never threw away any correspondence from XXXX or any mail that was not junk. I never received any notification either through mail, email or telephone. I then contacted them and found out the I was in forbearance in XXXX and XXXX but was not notified when that ended. They had an old email address for me that my employer changed sometime ago. I questioned as to why the when an email address is changed it should of came back to them saying it was not deliverable. That'always happens when I send an email to the wrong email address. They said that had sent letters to my moms address, called and emailed me. I ask them why would I XXXX up perfect credit by just not paying one of my creditors. I got no where with them or their solution department. They continued to say we contacted you with no response. I kept saying why would someone with perfect credit XXXX it up like that? I filed a dispute but they seemed to be standing their ground. I ask that since I was not advised I ask them to remove it from my credit report and allow me to start making monthly payments. Since after several phone calls and hours of conversation I contacted my uncle who is a collection lawyer and recommended we file the dispute and contact the CFPB. He said this exact thing happened to his son but he new someone who worked with XXXX and he was able to get it cleared up I don't have the connections he has. He said that CFPB would take this serious and look into it. Getting my credit report cleaned up is what I am hoping for. Please advise me how to further handle this very frustrating and upsetting situation,
Company Response: Closed with explanation
2019-03-05
Portland, OR
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: XXXX University provided misleading information about the quality of the program claiming that smaller classes led by " industry experts '' meant a higher quality education. The school claimed to have a " strong rooted reputation for academic excellence '', insinuating the college would be around in the future ( See Attachments ). When in reality, in the fall of XX/XX/XXXX, the president XXXX XXXX cut 60 classes, hiked the tuition, and, " delayed spending on software and professional development '' ( XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX ). No doubt these financial setbacks affected the quality of the professors teaching the program and the program itself, especially, in a time of fast technological advances. About five years of financial struggles leading up to the XX/XX/XXXX announcement were omitted from the XX/XX/XXXX enrollment process misleading me to believe XXXX ( a private school ) had a better reputation than other higher learning institutions. I would not have obtained federal student loans if the university were honest about its financial trouble. However, Nelnet and the department of educations approved student loans.
XXXX University omitted to tell their financial status and the likelihood that the school would shut down. According to the XXXX, the school had a negative enrollment trend for about five years leading up to when I applied in XX/XX/XXXX to begin attendance in XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX enrollment decreased from XXXX to XXXX ( XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX ). By XX/XX/XXXX, enrollment had fallen to XXXX students ( XXXX XXXX, XX/XX/XXXX ). According to XXXX XXXX, " XXXX 's tax returns show that revenues plunged from {$21.00} XXXX in XX/XX/XXXX to {$15.00} XXXX in XX/XX/XXXX and over the past two years, the university posted combined operating losses of {$6.00} XXXX ''. The school did not inform me of their financial struggles before I enrolled in my first class in XX/XX/XXXX, nor did they inform me of continuing losses while I was enrolled in XX/XX/XXXX, had I known, I would not have chosen to attend XXXX University. I pursued a graduate education because I wanted to gain the relevant skills to find a more fulfilling career with higher earning potential than I was able to obtain previously. I chose to attend XXXX University because they represented that their program would give me useful skills, that their degree would allow me to earn more than I previously did, and that these benefits outweigh the burden of paying off the obligations I would incur to finance the degree.
Almost a decade of declining enrollment created a high likelihood that the XXXX 's reputation would be irreparably damaged to the point where the degrees they issued would be worthless in my local community and beyond. The college never notified me or otherwise made me aware that my degree would be worthless due to the quality of their curriculum as a result of their financial problems. After submitting numerous job applications ( over two years ), I realize I was not taught the useful skills that employers are looking for in the finance industry. I need to go back to college to obtain those useful skills. If I leave the degree off of my resume and a potential employer finds out about it, the chances of me being hired are reduced. If I am hired, I could be fired if my employer found out that I omitted to disclose my degree. In the future, as XXXX 's online presence dwindles, it will become difficult to prove that I have a degree at all. XXXX mislead me to believe that their degree would allow me to earn more than I previously did.
Because of XXXX 's conduct, I have federal student loan debt, which has caused me stress, forced me to divert funds from other aspects of my life and otherwise burdened me. I have an inability to enroll in another graduate program. I am missing the opportunity to attend a better higher education institution and lack eligibility for not only additional federal student loans, but for a mortgage as well. Because of XXXX, I can not afford a house, which means I can not start a family. I take XXXX and XXXX XXXX. As each day passes, I become closer to defaulting on my student loans.
Currently, a group of students has filed a lawsuit against XXXX University. I have provided links below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2019-03-04
Woodland Hills, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-03-04
Hamburg, NY
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Complaint: In XXXX I got the loan from XXXX And I left school without finishing my XXXX XXXX XXXX
The loan was misapplied.
I have been paying the loan on and off and taking forebearence when I had hardship From XXXX to XXXX I paid but was never given an itemized statement to show how much I paid.
In XXXX I was officially XXXX. To date.
My benefits analysis reads XXXX officially disable Next review date after 7 years XX/XX/XXXX Nelnet takes over the loan and never transferred the balance.
Never treated me fairly and always claims never received my benefits analysis Used tax loophole in XXXX and had to file spousal Injury On XX/XX/XXXX called US department of education. XXXX XXXX XXXX XXXX Spoke to a lady by XXXX and mentioned my account does not e its and has been closed since XXXX So then my social security money has been deducted for three months No itemized zed balance and records Filed in jury spouse my husband and child credit was refunded.
XXXX Now has got national credit using robo calls on weekends I have sent a debt validation letter to XXXX XXXX XXXX and department of education No reply from both Best wishes XXXX
Company Response: Closed with explanation
2019-03-04
Ft Myers, FL
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Complaint: I was under the impression that I was in a student loan forgiveness program. I paid {$120.00} ( XX/XX/XXXX ) and {$130.00} ( XX/XX/XXXX ) to XXXX XXXX ( paid to XXXX in bank statements ).
Company Response: Closed with explanation
2019-03-03
Haskins, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-03-03
Bohemia, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Hello there, Recently I have been going through all my finances and my credit report, and it has come to my attention that Nelnet, my student loan servicer, has been reporting that I have had scheduled loan payments dating back to XX/XX/XXXX. This is incorrect because I received a letter back in XX/XX/XXXX in the mail, saying that my first payment was not until XX/XX/XXXX. I also went online to check my Nelnet statements, and for the month of XX/XX/XXXX and XX/XX/XXXX, it says the same thing. In early XX/XX/XXXX, I called for a forbearance which I received, so there is no mistake for the month of XX/XX/XXXX, but for the month of XX/XX/XXXX and XX/XX/XXXX, Nelnet has been providing false credit reporting. Because of this, my credit score has decreased.
Company Response: Closed with explanation
2019-03-01
Jackson, MI
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Company Response: Closed with explanation
2019-03-01
Anaheim, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Complaint: I set these student loan Accounts on auto paid and thinking that is in auto paid. I got car accident and I was in and out of the hospital. I wasnt aware that the account was late. The company didnt call or send me a letter to inform me. I call them up explain the situation. I called the lender up explain the situation. They stated it was still my responsibility to call. I told them how can I Call if I didnt know ; also I was in out of drugs and was in multiple XXXX. When I was Partially recover I made may payment and contact the lender right away when I saw my credit score down due to the late on the student loan.
Company Response: Closed with explanation
2019-03-01
Anaheim, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Complaint: I set these student loan Accounts on auto paid and thinking that is in auto paid. I got car accident and I was in and out of the hospital. I wasnt aware that the account was late. The company didnt call or send me a letter to inform me. I call them up explain the situation. I called the lender up explain the situation. They stated it was still my responsibility to call. I told them how can I Call if I didnt know ; also I was in out of drugs and was in multiple XXXX. When I was Partially recover I made may payment and contact the lender right away when I saw my credit score down due to the late on the student loan.
Company Response: Closed with explanation
2019-03-01
Winton, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-02-28
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: unfortunately your form wont let me check all the boxes for the issues i have had with my loan servicers.
first, they are unwilling to take my payment via visa debit card because i live and work abroad. they were able to take my payment for rehabilitation but refuse to accept payment to keep my loan current. they have been doing this for over 2 years. I have shifted from XXXX, to nelnet to XXXX XXXX.. I have the money and the desire to pay but they literally will not take my money.
also they have lied repeatedly about my options as my loan was defaulting.
they have harassed my family by calling many times asking them to pay my bill even though they have absolutely nothing to do with the loan and signed nothing on the documents.
im pretty sure you wont do anything but i am out of options, this situation has destroyed my credit and inflated my loan debt. the situation is insane.
i am out of options and have no recourse. there is absolutly no power here for borrowers its disgusting how little is being done to deal with this..
these companies are a scam and run as a criminal enterprise and no one is doing anything about it. its disgusting.
Company Response: Closed with explanation
2019-02-27
Queens, NY
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I am requesting that complaint XXXX be reopened.
Firstmark lied in their response. They refunded the payment retroactive to XXXX then removed it in XXXX from my account and have consistently lied about when to expect my refund. I am attaching the emails I received from them as well as a screen shot of my account.
I spoke with them today and they said I will receive a check sometime in XXXX. They refused to issue it with a tracking number.
As they lied in their response to the CFPB I am requesting an investigation into fraud.
Company Response: Closed with explanation
2019-02-27
Stamford, CT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: my son and my daughter are willing to take full responsibility to pay their student loans.
but yet the collection is agency is bullying and harassment me to pay for these student loans even though I co-signed the parent plus loan. my understanding is that if they are willing to pay, since they are adults and why are they not granted this opportunity to do so. additionally I am requesting an itemized bill on the loan amount for the tuition, how much has been paid and how much is remaining. since the XXXX college went out of business I could not get a live person to speak with regarding this critical matter leaving me very devastated and high stressed. the collection agency threatening to garnish my salary. my 2017 tax return was seized by XXXX loan company. thank you for your assistance regarding this matter
Company Response: Closed with explanation
2019-02-27
Las Vegas, NV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Fraudulent account opening originally with an online school, someone apparently obtained a loan in my name and all of a sudden this company nelnet is affecting my credit. I tried to dispute it and spoke with the company.
Company Response: Closed with explanation
2019-02-27
Herriman, UT
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2019-02-27
Stamford, CT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: My son and my daughter takes full responsibility to pay there student loan, but yet the collection agency is bullying and harrassing me to paid for these loan. even those i co-sign the parent plus loan.my understaning is that if there are willing to paid, since they are adult and willing to pay.why are they not granted this opportunity to do so. Additionally i am requesting an itemize billon the loan amount for the tuition, how much has been paid and much remaining.since the XXXX XXXX when out of business i could not get a live person to speak with regarding this critical matter. Leaving me very devastated and high stress level. collections agency theathening to garnish my salary. MY XX/XX/2017 tax return was seized my navient loan company. thank you for your assistant regarding this matter.
Company Response: Closed with explanation
2019-02-26
MA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: 3 different loans. Two of them are XXXX XXXX credit cards and the other is a student loan.
XXXX XXXX XXXX XXXX XXXX 5 missed payments XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 4 missed payments XXXX : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX /Nelnet 3 missed payments XXXX : XXXX, XXXX, and XXXX
Company Response: Closed with explanation
2019-02-26
Arlington, VA
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Complaint: In XX/XX/XXXX, I began paying back my student loan. This loan was later purchased by Nelnet. I continued making regular payments on this loan, and I began making larger payments to retire this debt. On XX/XX/XXXX, I called Nelnet to inquire the exact amount needed to close and payoff the loan in its entirety. Based upon that phone call, on XX/XX/XXXX, I made a final payment on this loan, the balance was made {$0.00}. I specifically asked them to send me a written letter confirming that I do not have any further balance.
I called back in early XXXX and inXX/XX/XXXX. Both times, I was advised that I would receive this letter within 60 days. I still have not received any written proof from Nelnet that my account is closed and this student loan is paid off. In using the website, Nelnet indicates there is a " {$0.00} '' balance, and no payment is due and owing. But they refused to send me a letter so that in the future, there can be no doubt about this situation. I also contacted the Credit Reporting Agency in XX/XX/XXXX to determine whether any negative mark was made against my credit. I am waiting for a response. I am filing this complaint because Nelnet refuses to respond to reasonable request for written proof that my account has been paid in full.
Company Response: Closed with explanation