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 33
2019-01-15
Boloxi, MS
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-01-15
Nyc, NY
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: XXXX XXXX placed my loans in deferment because I was returning to school for graduate education. However, I never requested this change. I was not asked to accept or decline this change. Therefore, for the last three months, my auto debit stopped and extra interest has been accruing. I would like something done because, if I allowed this issue to continue longer, the accrued interest could become significant.
Company Response: Closed with explanation
2019-01-15
Mascotte, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I dispute XXXX XXXX XXXX account for payment history. The payment history is incorrect for XXXX XXXX XXXX account. I am requesting that this item is deleted on my credit report.
Company Response: Closed with explanation
2019-01-15
Liverpool, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Closed with explanation
2019-01-14
Unity Plaza, CT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: On XX/XX/2019, I received notification from XXXX XXXX that Nelnet had posted negative remarks on my credit report with XXXX which caused them to drop my credit score by 40 points. On XX/XX/XXXX, they did the same thing with XXXX with dropped my credit score by 43 points. The payments with Nelnet for my daughter 's federal student loans I applied for haven't even started yet and they're making trouble for me already. If they're pulling this XXXX now, what will they do if I really do something wrong? Nelnet has NO business reporting every little thing to XXXX, XXXX or XXXX unless I do something serious like miss a payment or default on my loans.
Company Response: Closed with explanation
2019-01-14
Arco, CA
Incorrect information on your report
Student loan: Federal student loan servicing
Information belongs to someone else
Complaint: NELNET is continuing to report fraudulent accounts & sending me letters claiming I requested a forbearance & repayment plan. On XX/XX/2018, I submitted the required identity theft affidavit requested & sent to me by NELNET. I had already submitted the required FTC identity theft report to them but they requested their own specific affidavit. I'm totally confused by their lack of record keeping and would like this matter closed as it continues to create a ton of emotional & physical stress. I'm attaching the both the FTC report & NELNET 's specific affidavit for your records.
Company Response: Closed with explanation
2019-01-14
Ontario, 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
2019-01-14
Lafayette Hl, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I refinanced my student loans into one ( 1 ) loan with Nelnet, I believe the repayment plan is Standard. I started making payments last XXXX, I have paid {$100.00} extra per payment to be applied to principal. The {$100.00} is not being applied to principal and the explanations I am getting make no sense to me. At one point my loans were in forbearance but I paid the interest for those times, so I'm a little confused on why my extra payments are going to interest and not principal. My account is current at this time. My next payment is due in XXXX, 2019 ; I would like to get this issue resolved. Also, I attended XXXX University at the XXXX of XXXX campus, they are no longer in that location, it closed a couple of years ago
Company Response: Closed with explanation
2019-01-13
Chicago, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have been on an IBR ( income-based repayment ) plan with Nelnet for the past few years. Since XX/XX/XXXX, my monthly payment has been {$580.00} month. In XXXX, after submitting my annual required application, despite no increase in income in XXXX from XXXX ( just a change in payment frequency from every 2 weeks to bimonthly ), I was informed that my payment would be increasing to {$620.00}. When I called to inquire about the justification behind the sharp increase, I was told by the customer service representative that my payments should be actually in the {$400.00} range after I provided him with my income from my pay stubs. He advised that I send him my pay stubs by fax in lieu of my tax returns that I previously submitted through the automatic data import process to have it correctly calculated. I did this and when I saw no update to my bill, I called again to check the status. I was told by that representative that I shouldve also submitted a new application, but after giving her my salary info, that she was calculating a higher payment than the original {$620.00}. As this wasnt my intention, I asked her to leave it alone.
So it was to my complete surprise that the next bill I received ( in XXXX ) increases to the amount of {$650.00}. I called back to inquire and complain and was told by another representative that my bill should actually be over {$700.00}. Due to her rude attitude and insistence on cutting me off rather than listen to my explanation, wrongly insisting that I made more money than the year before ( although I clearly did not ), I asked to speak to a manager to get the issue resolved. This manager said he found the problem in the previous calculation and according to his calculation, my bill should be reduced to about {$580.00} and said he would resubmit to underwriting. So again, it was to my complete surprise when my payment instead increased to {$640.00}!
When I spoke to this manager again, he apologized and said that the {$640.00} must be the correct payment amount. So despite my not having an income change, my bill increased by {$65.00} within one year.
Throughout this process, I spoke to 7 different people who all gave me wildly different calculations based on the same salary. I dont understand how this is possible. If Nelnet dont have a proper formula or their customer reps arent trained to make calculations ( one of which is evident ), they should not!!! It is unfair to me as I feel that the first representative who incorrectly told me my payments should be in the {$400.00} range misled me and resulted in a greater increase than what I was already being charged. Calling them only hurt my situation further, and honestly I am scared to ever call them again because I feel taken advantage of by them and at risk for undue and incorrect increases just by doing so. I question if this practice is intentional to try to force increases from payers.
Note : My other federal student loans serviced by XXXX, only increased by {$10.00} in XXXX with the IBR. This makes more sense and better aligns with my payment schedule change, so I simply dont understand how Nelnet can justify their sharp increase.
Company Response: Closed with explanation
2019-01-13
Mascotte, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation
2019-01-13
Guadalupe, AZ
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2019-01-13
Guadalupe, AZ
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2019-01-11
Mascotte, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation
2019-01-11
Mascotte, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation
2019-01-11
Mascotte, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation
2019-01-11
Simpsonville, SC
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-01-10
Pikeville, NC
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Complaint: Good afternoon my name is XXXX XXXX XXXX XXXX XXXX I have been dealing with this issue for years now I have submitted all documents too XXXX XXXX discharge I receive XXXX and they are trying too garnish me I have no use of my XXXX and cant XXXX no medical insurance have too pay for everything out of pocket please help me
Company Response: Closed with explanation
2019-01-10
Tyrone, NM
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I was contacted by " XXXX XXXX XXXX XXXX '' agency and was told that my current student load was with a 3rd party lender and if I changed to them it would be a direct payment and I would save money and be paid off sooner. This was my understanding of the events and I called to XXXX today to get further information and was told that " XXXX XXXX XXXX XXXX '' business was the 3rd party and I could be paying them for years and none of my payments would be going towards my student load debt if I don't meet the qualifications for loan forgiveness. I am told that my money is instead to pay this 3rd party to shuffle papers and collect my money for it and none of my money is going towards my loans.
Company Response: Closed with explanation
2019-01-10
Charlotte, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I lost my job in XX/XX/XXXX. For part of this time I was drawing unemployment, for part of the time I was doing some self employment work. I discussed this with the lender and asked about payment based repayment. I was told that since I was unemployed I was not eligible and that I needed another forbearance. During the summer of XX/XX/XXXX, I became very depressed due to my inability to find a job and worsening complications for XXXX and pain issues. When my forbearance was over, I was told that I no longer had a forbearance to use. This was approximately XX/XX/XXXX. My medical conditions had continued to worsen and I had XXXX on my XXXX. I went into treatment in XX/XX/XXXX for 28 days. While I was in treatment, I started getting late notices and the loan went into default. I continued to speak with the servicer about my options. I could have qualified for a income based repayment plan but again was told I was unable to go on that plan because I was not working ( I was still doing some part time self employment ) I was not eligible for income based repayment schedule. In the fall of XXXX I had continued failing health and applied for Social Security XXXX. My loan continued in default and I was told that I did not qualify for a XXXX discharge because my XXXX was not approved by SS. At some point this in XX/XX/XXXX or XX/XX/XXXX I was told I complete a special program and get my loans out of default by making 9 {$200.00} payments and that my credit history would be erased. I was advised that after that I could go into an income driven repayment.
I struggled to make those payments and completed the program. I was eventually awarded XXXX with an onset date of XX/XX/XXXX. My income driven repayment has been {$0.00} until I qualified for a XXXX discharge.
This misinformation has cost me in several ways. My credit has reflected multiple months of XXXX months of late payments. This has made it virtually impossible to get a loan, causes me to pay higher auto and homeowners insurance, made my credit score drop into the low XXXX and, if offered credit, it has been at ridiculously high rates. It has caused my balance to balloon. Had I been told I could apply for income driven repayment I would be 8 years ahead on total discharge. If I had been told about a medical discharge based on doctors affidavits, my XXXX onset of XX/XX/XXXX would have XXXX the loan almost 4 years ago. Finally, the misinformation forced me to pay {$1800.00} unnecessarily to get my loan out of default.
I have filed requests through the credit bureaus 4, or more, times and they have thus far refused.
Company Response: Closed with explanation
2019-01-09
Sandy Hook, CT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I was on the income driven repayment plan, so my monthly payment was a little over {$100.00}. I was enrolled in autopay. This month XX/XX/2019, without warning Nelnet took {$730.00} from my checking account when I put a stop payment on. They deliberately took my funds and now after speaking with several operators, first customer service XXXX, then a supervisor, XXXX, and than a Manager named XXXX. They repeatedly said there was nothing that they could do. Nelnet just committed fraud. I demand answers and a refund of {$730.00}.
Company Response: Closed with explanation
2019-01-09
Fort Pierce, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I'm being charged late fees on loans as if I'm on a payment plan while in deferment.
I haven't agreed to a repayment plan because I'm still attending school with loans in deferment.
My student loans are being reported as not making payments on time with late fees. They are appearing as a negative.
Company Response: Closed with explanation
2019-01-09
Mascotte, FL
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
2019-01-09
Seattle, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I paid off the rest of my student loan and then went to cancel my auto debit payments, got an email on XX/XX/XXXX that the auto debit was cancelled, the terms of the autodebit with nelnet state cancellation requests will be honored 3 business days before the payment date, but then on XX/XX/XXXX, they still auto debited my account {$300.00} and are saying a refund will take 4 to 6 weeks since it's a Dept of Ed loan and the payment went to the Dept of Treasury.
Company Response: Closed with explanation
2019-01-08
Lk Buena Vis, FL
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: Background On XX/XX/2018 I was laid-off from my place of employment.
On XX/XX/2018 I called my student loan provider, Nelnet, to advise of my lay off and also obtain information on how to suspend my student loan payments. The lay-off was not expected ; thus, I wanted to ensure all of my creditors were aware and that I covered all bases. During the conversation with Nelnet the agent asked me a series of questions and then advised that I would have to re-certify and provide that my income was now at {$0.00}. The agent advised that he would email me information on how to do this. ( emails sent by Nelnet have been attached for reference ; Attachments 1 and 2 ) On XX/XX/2018 I was still confused on the process. I could not understand where on any of the links/documents they sent I would show {$0.00} income, thus, I called Nelnet again for more information.
o On this phone call, the agent said I could opt for the re certification online to make things easier. She gave me the website and I logged on to begin the process.
o When I logged in online the form asked me for proof of earnings or my IRS/income tax documents. These documents would not show my lack of income. Instead, they would show what I was previously making. This information seemed incorrect to me.
On XX/XX/2018 I called back and spoke to an agent that advised that if I was recertifying with no income, that I would have to fill out the IDR Plan Request Form and opt for No under Question 12 : Do you have any taxable income? This would cover it.
On XX/XX/2018 I emailed the IDR Request form to Nelnet.
I did not hear back from Nelnet for over a month so I called them on XX/XX/2018 to inquire about the processing of my form. They claimed they had not received the form and that I should re-send for processing.
On XX/XX/2018 I sent the form for Nelnets review.
Again, over a month had passed without change on my account by Nelnet so I called them on XX/XX/2018 to inquire about the form.
o The agent advised that he could see the form in my account. When I asked why it had not been applied/processed he could not give me a clear answer. He put me on hold to investigate the account. He then asked me a series of questions and then stated that I was granted an administrative forbearance. With this forbearance, I would not be expected to make payments on my account and he advised that my account would be updated.
In XXXX I received a call from my credit card company saying they were reducing my credit limit due to my recent credit scores.
I began to investigate and found that Nelnet had reported to all credit bureaus that I was 90 days past due/delinquent on my payments.
I logged into my account and noticed that the forbearance was applied from XX/XX/2018, although I was advised by a Nelnet agent that once approved, changes in my account would be retroactive to XX/XX/2018.
I called Nelnet to dispute this and after their own investigation they found that their reporting to the credit bureaus was substantiated.
Issues 1. Nelnet is claiming that I was 90 days delinquent on my account although I called them and advised on XX/XX/2018 of my change in financial status.
2. Nelnet advised me that my account would be updated as of XX/XX/2018. They never urged me to make payments during this period.
a. On Nelnets website it specifically states, Forbearance resolves any delinquency on your account ( Attachment 3 ) 3. I sent the IDR Request forms to Nelnet on XX/XX/2018 and XX/XX/2018. Even if they did not receive the forms on XX/XX/2018 they have claimed to receive the forms on XX/XX/2018 and action was not taken on my account until I called on XX/XX/2018. The forms they emailed me on XX/XX/2018 ( Attachment 1 ) state that Nelnet would have a resolution within 15 business days. XX/XX/2018 to XX/XX/2018 surpasses 15 business days.
4. My account was current and paid up through XX/XX/2018. Nelnet applied the administrative forbearance on my account as of XX/XX/2018. Even if they were correct in doing so and starting my forbearance from XX/XX/2018, this is not 90 days of delinquency. XX/XX/2018 to XX/XX/2018 is 61 days. From XX/XX/2018 when my first payment ( after my lay-off ) would have been due, to XX/XX/2018 when I made my last call to Nelnet that my account was updated doesnt even add up to 90 days. This did not span to 90 days.These points show cause that Nelnet did not properly process my requests or account during these 60 days.
Company Response: Closed with explanation
2019-01-08
Mascotte, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation