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 46
2018-08-31
Mboro, TN
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
2018-08-31
Dallas, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: Dear Sir or Madam : I graduated from school in XX/XX/XXXX and shortly thereafter I consolidated my loans and began paying them. For the last 14 years I have never missed a payment and I have never been late. Since I have lived overseas several times over the last 14 years the address on file for my loan information has been my fathers house. The only communication I received from my loan company was a XXXX once a year.
On XX/XX/XXXX I received three emails from my sister who takes care of my father in Connecticut. Each email had an attachment. The first attachment was a letter dated XX/XX/XXXX from my loan servicer XXXX with a notice stating that my payment on XX/XX/XXXX was being returned because there was a new servicer. The second attachment was a letter dated XX/XX/XXXX from a company called Nelnet stating that a " borrower benefit has been removed from your account ''. There was no mention of what the benefit was, or why it was removed. The third attachment was a letter dated XX/XX/XXXX from Nelnet demanding that I pay double my normal student loan amount.
The following day I called Nelnet to inquire about the mysterious borrower benefit that was being removed and I was told that the " benefit '' removed resulted in a 1 % increase in my interest rate that was equal to more than {$10000.00} over the life of the loan. The reason that it was removed was because my payment was late. When I told them that I had sent all my payments and I have records showing that the XXXX payment was made on time they said that it did not matter. It was my fault because I should have known that the servicer had changed. I told them that I never received any notice of the change and they said that it was still my fault. When I asked what can be done to resolve this they said that they would take it under advisement but there were no guarantees that anything would be done. I immediately made the missed payment over the phone.
Predictably, today I was notified that the " benefit '' would not be reinstated and that I was being penalized {$10000.00} because of the missed payment.
I believe that this was a calculated move by Nelnet to increase my interest rate in an attempt to force higher payments. I hope that you will help resolve this so other students are not victimized in the same way.
Thank you for your assistance in this matter.
Yours truly, XXXX XXXX
Company Response: Closed with explanation
2018-08-31
Yakima, WA
Struggling to pay your loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2018-08-31
Rex, GA
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
2018-08-30
Chula Vista, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-08-30
Landfall Village, MN
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2018-08-30
Galena, OH
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I saw an ad for student loan forgiveness for students of XXXX XXXX XXXX XXXX. I submitted contact info. ( phone number ). I received a few texts to call an XXXX number. I called eventually going over relevant information regarding my student debt. I regrettably gave my XXXX. I didnt have time to go much further with the questionnaire so i asked the man to email me the site. He said he would right then and then the phone got disconnected. I tried calling each number multiple times today but it always disconnects.
Company Response: Closed with explanation
2018-08-30
Louisa, VA
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Complaint: I have submitted four application to have my student loan discharge because of false certification due to I didnt have an High School Diploma nor GED at the of enrollment. All four times my application has been denied because Nelnet are saying that I have an GED. I dont not have an GED at all.
Company Response: Closed with explanation
2018-08-29
E Swanzey, NH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-08-28
Phoenix, AZ
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: In XXXX after 12 years of being unemployed due to permanent XXXX I began a loan discharge process with Nelnet. In XX/XX/XXXX I sent email and post office documents declaring that I was still unemployed. Under the generic email return address of XXXX XXXX instead of anything related to Nelnet, they sent me information that looks like spam. That is deceptive. My TPD process was dropped because Nelnet acknowledged and accepted my certification that I have not been employed, but their separate agency that sends generic email didnt receive the paperwork. I talked to the Omsbudsman and another agency that took my complaint but didnt do anything to correct the trickery of Nelnet. Nelnet told me that the XXXX $ loan was back on track affecting my credit AFTER the appeal period ended when it was too late for me to make an appeal. They didnt notify me that they have a separate organization to process XXXX and XXXX XXXX that doesnt share data with their loan repayment center so I had no idea that I was not in compliance. One agency of Nelnet said I was fine with the process and when it was too late to fix it the second Nelnet organization said I was not in compliance. Its deceptive. Having a hidden arm sending spam looking email that isnt clearly marked as being from Nelnet was deceptive.
Being traded on the XXXX makes Nelnet drive up loan balances with unethical actions to make their profit look good to investors. The government is for the protection of the people but the XXXX is about getting as much money from the people as possible.
Although its unlikely that I can ever pay the debt, having me on the books with ever increasing debt serves the XXXX well so Nelnet has s conflict of interest when it comes to treating me fairly. What they have done to me is so dishonest and unethical that its clear no other industry could get away with such flagrant disregard for consumer satisfaction and consumer rights.
Nelnet believes they can conduct business any way they like because our own government defends their rights to rob the people that try to better their lives by getting an education.
Nelnet informed me that all my documents were received and then Nelnet informed me that my case had been dropped.
Its a crime.
Company Response: Closed with explanation
2018-08-28
Atl, GA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-08-28
Doral, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-08-28
IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: My loan service provider NELNET is making mistakes in allocating my payments to my student loans, has failed to notify me of these errors, and refused to provide documentation of the error in writing when specifically requested.
I have 2 fixed rate student loans serviced by NELNET and I noticed this month XX/XX/2018 that my payment amount was less than half to only one of my loans. This has never happened before. I called customer service at Nelnet and was told there was a loan servicing error in XX/XX/2018 ; I was told only loan group A received my payment in XXXX. I was not notified of this servicing error and asked for written explanation by email, but customer service refused. I was told that NELNET was alternating payments between the two loan groups and only half was due each month which makes no sense. The amount I pay is the same regardless of how the NELNET allocates my payment between the two loan groups and should not effect my payment amount due each month.
It seems to me there may very well be an ongoing error which has not been fully explained to me nor fully understood by NELNET. Their inability to explain the error or provide written confirmation of the error leaves me vulnerable to penalties and fees for their mistakes. It seems that since their merger in XXXX with XXXX XXXX XXXX XXXX XXXX XXXX has led to serious internal mistakes in record keeping regarding amounts owed by individuals and performing their primary function in servicing loan repayments.
Company Response: Closed with explanation
2018-08-28
Oxford, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have reached out to Nelnet on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised Nelnet that the MPN that was provided was not for the University of the loan that they stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.
Company Response: Closed with explanation
2018-08-27
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I currently owe {$57000.00}, with a past due amount of {$3800.00}. My loan servicer is Nelnet, however, I think the real problem lies with the Department of Education.
I am willing and able to pay the student loan, however I no longer reside in the United States. I no longer have an American bank account and can not open one. I do not have a credit card in my name, so I can not make payments that way.
I do have a bank account and can make electronic payments. Nelnet informs me that Department of Education rules forbid them accepting payments from foreign banks. I can not find an appropriate way to lobby the Department of Education for some alternative.
Company Response: Closed with explanation
2018-08-27
Houston, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-08-27
Palm Bch Shrs, FL
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
2018-08-27
OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am a 16 year XXXX XXXX Veteran. I completed my XXXX XXXX while serving XXXX XXXX. I had XXXX subsidized and unsubsidized Stafford loans consolidated. South Carolina XXXX XXXX XXXX XXXX duplicated my loan amounts when I consolidated. My balance is double what I should owe.
Deployments, moves, and life has happened over the years. I sent in a audit letter in XXXX, contacted them XXXX XXXXXXXX. I provided them with copies of my military orders ( XXXX Act, loan rate should have been decreased ). I placed the loan in forbearance, allowing them time to fix the issue. In XXXX I was notified that my account was given to the current holder XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX, NE XXXX Account ....
Phone calls and letters to the Loan provider has not resolved this issue. Looking to gain your assistance to get my loan balance corrected, and lower interest back dated.
Company Response: Closed with explanation
2018-08-25
Galena, OH
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: Our daughter secured several private student loans through XXXX XXXX XXXX XXXX From her first semester, we agreed to have the interest payment automatically debited from out bank account. At that time, ( Fall of XX/XX/XXXX) XXXX XXXX XXXX XXXX acted as their own servicer. Interest payments were deducted from our checking account and we never incurred any problems. In XX/XX/XXXX, XXXX XXXX XXXX XXXX transferred the servicing of their student loans to XXXX XXXX. In the beginning, the interest payments were taken out of our checking account as they had been with XXXX XXXX XXXX XXXX. The total monthly amount was about {$100.00} taken out on two seperate dates each month. However, in XX/XX/XXXX, I noticed that the XXXX payment hasn't been deducted from our bank account. When I called XXXX, I was told it was because we had withdrawn from the auto debit program. I assured the customer service rep that we had not withdrawn and that I wanted to have the payment pulled once again. They payments were finally pulled on XX/XX/XXXX. Shortly thereafter, our daughter received a letter stating that we had once again withdrawn from the auto debit service. Again, I called to confirm that we did want to continue with auto debit. On XX/XX/XXXX XXXX pulled a payment in the amount of {$400.00}. We have never paid this amount in the past so I immediately called XXXX. The customer service rep I spoke to ( XXXX ) told me that since our daughter had graduated from college in XX/XX/XXXX, that her loan status changed and she was in the repayment period. This would be her monthly payment for the next 10 years. I asked XXXX where she had received her information that our daughter had graduated and she couldn't give me an answer. I told her our daughter was a senior and had not graduated. She told me I would need to get XXXX University to supply XXXX XXXX with a Declaration of Enrollment that must contain XXXX XXXX Seal of Authenticity. We live in Ohio but made the trip to XXXX to get this document. It was mailed to XXXX but they claim they have never received it. Earlier this month XXXX called and spoke to a customer service rep. He told me that our daughters student loans had been placed into what is called the 6-month interim repayment plan as directed by XXXX XXXX XXXX XXXX. He claimed that XXXX is being directed by XXXX to act as if students had graduated whenever they are on summer break. In other words, act as if the student has graduated and you can collect their full repayment amounts. However, when I called XXXX, I spoke with XXXX who assured me that XXXX was making up their own rules and that XXXX had never directed XXXX to collect full payments. In fact, XXXX stated that XXXX has was is called the XXXX XXXX Program whereby the interest only payments we had agreed to would only be pulled and there would never be any accelerated payments over the course of the loans as long as our daughter was a full time student. To date, XXXX has been a wonderful company to work with. Their customer service is excellent. The service reps have always been helpful and very courteous. Our younger daughter is a freshman at XXXX University. We used XXXX for her first student loan but unfortunately because of the problems we've had with XXXX, it will be our last. We'll secure her loans elsewhere as long as they are not serviced with XXXX.
Company Response: Closed with explanation
2018-08-24
TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have had auto debit set up with payments to this account through the lenders website for several years. However, the first 5 months of 2018 the lender has reported the payments where late. But the the lends payment history info I was provided from their website shows different, then what was reported on the credit report. I have documents from the website showing my account history and the payments being reported to my account on the lender website showing payments made. After seeing the late payments reported on my credit report by the lender, I contacted the lender ( Nelnet ) about the reporting of my payments. When I called Nelnet the conversation between the Nelnet customer service representative and myself was conducted over a recorded phone conversation. After review and discussing my account, it was determend that the payments did not process. However, I was never notified the of the payments not processing. The Nelnet rep said notices where mailed out and I should have received one in the mail. But I did not. After reviewing my information she asked to verify my address. At that time the rep told me sir I see here where the issue is. Nelnet had a mistake on our system and we mistyped your street address, which caused the payments did not process for 5 consecutive month, and for you not to receive our statements we mailed. I will make those changes now. She then asked if I could make a payment for the amount of the payments not made, and if I did so the late payments reported on my credit would be removed rightaway, because of the mistyped info on Nelnet. I then paid the full payment amount of the 5 payment not processed. I then asked her again very clearly if Nelnet would removed all late payments reported on my credit. I asked the rep very clear again over the recorded phone call. The date this took place was XX/XX/18. The late payments are still on my report even with the full amount paid, as agreed. I contacted Nelnet again and was told the late payments would not be removed and Nelnet was not removing them. I filed a complaint to Nelnet about this not getting removed and about the very very rude and disrespectful Nelnet rep name XXXX I was talking to. I requested a Nelnet supervisor call me. I then received a call from a nelnet supervisor who was all extremely rude and unprofessinal. She also told me that even though it was a mistake on Nelnets end and even though I was told by the Nelnet rep when the payment was made, I requested to XXXX that she listen to the phone call I had with the rep when I paid the amount needed the payment made. XXXX did review the call and call me back, but told me nelnet had decked this was not going to change what they had reported as late payment on my credit. Nelnet is without a doubt the rudest, and most unprofessional customer service reps Ive EVER spoke to. I would like to fail a complaint about fails advertisement, unprofessional customer reps and falsely reporting of credit. I have closed my Nelnet account and moved to a different loan company, because of the level of rude and unprofessional reps at Nelnet & failsly credit reporting and because of me being lied to by the reps at Nelnet.
Company Response: Closed with explanation
2018-08-24
Wooster, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2018-08-24
Alpharetta, GA
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
Company Response: Closed with explanation
2018-08-23
Jeff City, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I began social security and the loan company OSLA decided I could get a XXXX XXXX XXXX discharge based on the time my condition is set to last. I really need my credit score to go up and reflect this information please feel free to contact OSLA.gov/Nelnet/SSA to confirm this information all these apartments do credit checks and im XXXX so I need my score raised I have paid back many loans and cleared many bank accounts so please help
Company Response: Closed with explanation
2018-08-23
Stonington, ME
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2018-08-23
Parkesburg, PA
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: Greetings, I have initiated multiple disputes with NELNET for incorrectly reported late payments on the NELNET Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, XXXX XXXX & XXXX credit reports. XXXX, XXXX XXXX & XXXX should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to NELNET, XXXX, XXXX XXXX & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The NELNET account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter.
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Company Response: Closed with explanation