NELNET, INC.

2018-08-13

Jupiter, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response

2018-08-13

Arsenal, PA

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-08-12

Bohemia, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: On XX/XX/2018, my student loan service provider ( XXXX f/k/a XXXX XXXX XXXX ) for the past 10+ years, transferred my loan to a new service provider ( Nelnet ) without my permission ; and the interest rate is wrong. I have placed numerous calls and have sent numerous emails to both Nelnet and XXXX to rectify the problem, to no avail. In fact, XXXX placed a call to Nelnet explaining that lender incentives of 1.375 % interest rate reduction ( see attached ) was supposed to be applied against the 8 % Nelnet is reflecting ( to properly state my rate at 6.625 % ). Despite all my communication efforts, Nelnet has not corrected their error.
Company Response: Closed with explanation

Timely Response

2018-08-11

CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Once again, I go onto your Website to download information on my student loan. XXXX XXXX, Senior Resolution Specialist I need an explanation why is it on XX/XX/XXXX, under Loan Details : Group A-Due Date is XX/XX/XXXX, Group B-Due Date is XX/XX/XXXX. I get access to my account back on XX/XX/XXXX. On XX/XX/XXXX, and XX/XX/XXXX, it shows under Loan Details : Group A-Due Date is XX/XX/XXXX, Group B-Due Date is XX/XX/XXXX. Now I know somebody is messing with my student loan online account. This is unacceptable and now I have to look at every little detail and amount by navigating around my account and downloading my information. This will be another complaint with the Dept of Ed. I'm going to ask them if Nelnet is allowed to change due dates on an Income-Driven Plan with zero payments due. I am also going to report that I was not notified that you resubmitted my payment information to XXXX and XXXX. Oh, sorry you have up to 60 days to reply to the CFPB. Had I noticed this problem earlier, I would have put this information on the previous complaint. Why would somebody purposely change my due dates. Maybe you have a good explanation and if you do, please reply asap. This is getting serious now.
Company Response: Closed with explanation

Timely Response

2018-08-11

Wonder Lake, IL

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-08-11

CA

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Complaint: This is directed at XXXX XXXX, Senior Resolution Specialist for Nelnet Student Loan Servicer. This complaint is in reference to the Fair Credit Reporting Act on what was reported to XXXX which was actually reported but the reported amount was {$47.00} not the {$50.00} I paid on XX/XX/18. Please go to my history that shows how much was paid. Now as to XXXX and XXXX after all my phone calls because you wouldn't believe that your company didn't report my payment to these credit bureaus. As of XX/XX/18 XXXX and XXXX were finally able to verify to me that Nelnet finally fixed my issue. But now there's another problem. On all three of my credit bureau reports, one of your employees reported I paid {$47.00} not the {$50.00}. Where's my {$3.00} and why would an employee report {$47.00} and not the {$50.00} I paid? Did Nelnet think I would't find out? Now I have to wonder about the accuracy of your Website on the Principal and Interest. Now I have to contact the Department of Education for a third time because of the incompetence of your company. On my account, it is still showing that payments are being processed that went through my checking account days ago. The two separate payments that I made on the morning of XX/XX/18 are not showing up under the payment history. These payments were made way before your cut off time.I want this taken care of immediately {$50.00} reported to all three credit bureaus. I can't wait till Nelnet reports my payments in XX/XX/2018, it ought to be interesting. You as a loan servicer, especially for the Department of Education, should have people competent enough to input the right amount somebody has paid on their student loan for the month. Your screwing with my credit reports and I won't put up with it. Because of Nelnet 's constant mistakes and a Senior Resolution Specialist won't believe what your telling him and won't even check into the issue, I have had to put the credit bureaus into my contacts on my phone and the Department of Education because of Nelnet. You as a Senior Resolution Specialist did not do your job. I don't care if you are upset with me or don't like what I've said about Nelnet because it's true. It's not my problem, it's yours! On Monday XX/XX/18, I will be checking with all the credit bureaus to make sure the amount has changed. The scary thing is that this probably happens everyday to people who pay their loans. I'm sure we'll have further written communication in the future.
Company Response: Closed with explanation

Timely Response

2018-08-10

Lucerne, 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

Their investigation did not fix an error on your report
Complaint: On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX twice on this XX/XX/2018 and they say they have received no information from Nelnet on my student loan payment. I called XXXX but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX and XXXX again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX and they show the payments from XXXX for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's choices, call XXXX and XXXX to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.
Company Response: Closed with explanation

Timely Response

2018-08-10

Lucerne, 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

Their investigation did not fix an error on your report
Complaint: On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX twice on this XX/XX/2018 and they say they have received no information from Nelnet on my student loan payment. I called XXXX but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX and XXXX again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX and they show the payments from Nelnet for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's choices, call XXXX and XXXX to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.
Company Response: Closed with explanation

Timely Response

2018-08-10

Nyc, NY

Incorrect information on your report

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

Account status incorrect
Complaint: Several months ago I called in to customer service and inquired as to how to aquire a payoff letter for the purposes of loan consolidation. I was directed to the website and directed by XXXX customer service how to access this information. The payoff letter that was generated is attached to this correspondence. After submitting this attachment to XXXX, my consolidation bank, a check was then sent with pay off instructions with my consent to close the account Iafter completion of the payoff transaction. One week ago, I was checking my credit report and realized that XXXX put a 60 day past due notice on my previously closed account. Completely confused, I called XXXX customer service to get answers. Upon gathering more information the customer service agent, I realized that XXXX previous agent MISADVISED me and did not give me the correct payout information. I did not receive any corresposnce from XXXX as to say that my loan was in default and that the process of loan consolidation was incomplete. I immediately paid off the past due amount. I am asking XXXX to please remove the any delinquencies associated with this account from the three major credit bureaus and bring this account back in good standing. I now have to redo my consolidation loan because of this error so Im also asking XXXX to please email me the corrected payout letter for this purpose.
Company Response: Closed with explanation

Timely Response

2018-08-10

Nyc, NY

Incorrect information on your report

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

Account status incorrect
Complaint: Several months ago I called in to customer service and inquired as to how to aquire a payoff letter for the purposes of loan consolidation. I was directed to the website and directed by XXXX customer service how to access this information. The payoff letter that was generated is attached to this correspondence. After submitting this attachment to XXXX, my consolidation bank, a check was then sent with pay off instructions with my consent to close the account Iafter completion of the payoff transaction. One week ago, I was checking my credit report and realized that XXXX put a 60 day past due notice on my previously closed account. Completely confused, I called XXXX customer service to get answers. Upon gathering more information the customer service agent, I realized that XXXX previous agent MISADVISED me and did not give me the correct payout information. I did not receive any corresposnce from XXXX as to say that my loan was in default and that the process of loan consolidation was incomplete. I immediately paid off the past due amount. I am asking XXXX to please remove the any delinquencies associated with this account from the three major credit bureaus and bring this account back in good standing. I now have to redo my consolidation loan because of this error so Im also asking XXXX to please email me the corrected payout letter for this purpose.
Company Response: Closed with explanation

Timely Response

2018-08-09

Atlanta, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: In 2017, I submitted a request to have my loan payment reduced. My payment before processing my income driven payment was {$300.00}. Once they completed my request they increased my payment to {$360.00}. The application clearly state in so many terms that if the change does not benefit me they would not change my payment. This is just an example of my experience dealing with Nelnet, they do not have the customer 's best interest at heart. When I tried calling back to discuss this with various people, I was told so many different answers, I do not trust them. I called so many times different dates last year. When I did speak with a supervisor, they could not justify why my payment was increased. I just found out how to file a complaint the reason for the delay. Nelnet need to be held accountable for their unfair business practices.
Company Response: Closed with explanation

Timely Response

2018-08-08

Pasadena, CA

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-08-08

Dallas, TX

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Complaint: At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have. I have asked several times that the late payment entries on my credit report be verified by the companys credit reporting department and that the late payments be verified and corrected in accordance with 15 U.S. Code 1666 - Correction of billing errors to no avail.
Company Response: Closed with explanation

Timely Response

2018-08-08

San Antonio, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-08-08

Lucerne, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: On XX/XX/2018, I called Nelnet because I wanted to apply so much money to Group A and Group be on my student loan. He told me to write on the checks on and to write a note as to what group I wanted checks applied to. Each check and note for Group A and Group B were sent out separately so there would be no confusion. On XX/XX/2018 on Group B it says {$50.00} was applied to Group B but under account Summary it says they received {$75.00}. What I had to do was look at the principle balance from the prior day that I started downloading and they took off {$75.00} from Group B under loan details. I call Nelnet and try to figure out what their doing to my account. The advisor says I need to look up payment history. I told her I shouldn't have to take out my calculator and look under payment history to figure out what Nelnet has done to my student loan. They offer to put in a request to change it. I tell her I don't want you people touching my account and when I go under loan details everything should be correct. I ask to speak with a manager she says her name is ( sounds like ) XXXX. She tells me the Department of Education processes those payments and I ask for the phone number. I call the Department of Education and the lady was appalled that Nelnet would say they processed payments. The Department of Education says we have a contract with them and the Department of Education says Nelnet is processing the payments by mail. Department of Education gives me a Website that has a phone number to call. By this time I am raging mad because this supposed manager/supervisor either doesn't know what she's talking about or she flat out lied to me. I call back and get a man and said I spoke with the manager XXXX. He says we don't have anybody here by that name, then it was maybe she's off work, or she's at another call center. He proceeds to tell me that XXXX XXXX XXXX processes the payments that are sent by mail and XXXX XXXX XXXX applied the whole {$75.00} to my Group B. I tell him the loan details are wrong. I ask if there's a phone number I can reach XXXX XXXX XXXX. He tells me no. He told me that when I sent those checks though separate it is considered a special request and it could take up to 30 days to have it fixed because I also told him I don't want you touching my account. Every " Advisor '' tells you something different about the same issue. I started an application for the XXXX to see if I could get forgiveness on my loan but you have to show your next review is in 5-7 years for XXXX. I didn't have that information and there was no way to exit the application. I did not click on continue at that point and just got rid of the application. The application was never completed by me. I try to go into my Nelnet account today XX/XX/2018, and I'm locked out. I call Nelnet again to find out why. I get put through to XXXX and she tells me my account is locked because of the XXXX and that I have to send in a letter to Nelnet saying I don't want the XXXX. I tell her I'm in the Northern California fires ( XXXX XXXX ) and I can't send them a letter. She didn't care and showed no compassion and said I had to send a letter. I called back to find out how I got locked out of my account for XXXX and spoke with XXXX. She told me I completed the application on line. I explained to her I never finished the application and she's saying I did. If I had actually finished the application, I would have downloaded it onto my USB Drive. She tells me she can put in a request to have the XXXX removed. I told her what XXXX said and XXXX told me XXXX is incorrect especially with the situation I'm in regarding the fires. She said it will take about a week for it to be taken off my account. I had one advisor who was so aggressive in behavior and I told her that and to transfer me to somebody else. I waited for quite awhile and hung up and called back again. One advisor when I called sounded like she just woke up, speaking slowly and she was groggy. I hung up on her and called back. As I told one Advisor I am downloading all information off your site on a daily basis. Because I'm on a no payment plan, I was still trying to make payments to improve my credit score. I went to all the sites about complaints against Nelnet after all the issues. Now I understand where these people are coming from and the frustration of having to deal with Nelnet. Now I have to watch my account everyday and check my credit reports once a week.
Company Response: Closed with explanation

Timely Response

2018-08-08

Ft Lauderdale, FL

Incorrect information on your report

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

Account status incorrect
Complaint: There is multiple loans showing up on my account with many different balances as well showing that there is a lot of different creditors which is also duplicate charges that should not be showing on my account also they did take taxes which they stated that the payment was submitted to the department of education
Company Response: Closed with explanation

Timely Response

2018-08-08

Ft Lauderdale, FL

Incorrect information on your report

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

Account status incorrect
Complaint: There is multiple loans showing up on my account with many different balances as well showing that there is a lot of different creditors which is also duplicate charges that should not be showing on my account also they did take taxes which they stated that the payment was submitted to the department of education
Company Response: Closed with explanation

Timely Response

2018-08-08

Montgomery, AL

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

2018-08-08

Montgomery, AL

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

2018-08-07

Charlottesville, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: In XXXX I graduated form the school, lost my job and didn't start word until XXXX. Paid min. until XXXX on a {$2400.00} bill. In XXXX started paying {$100.00} a month, on XXXX I wrote the company and told them I thought I had paid them in full, wrote a check for {$100.00} paid in full. Never heard from them for a year. XXXX they started billing me again, saying I owe {$930.00}. I contacted them three times, first time I was told I borrowed money three times ( not true ) ask them to send me records ( didn't get them ), second time was told I owed {$2400.00} then {$5000.00} then {$11000.00}. The third time the person didn't know what to say, so I asked her to send me my accounts. She send me stuff that told me nothing, I have the papers if you want them.
Company Response: Closed with explanation

Timely Response

2018-08-07

Albany, GA

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2018-08-07

Cheverly, MD

Incorrect information on your report

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

Account status incorrect
Complaint: I reached out to my creditor regarding my account. I was told that if I brought my account current before the XX/XX/XXXX then I would not be reported to the credit bureau. Payment was made before the 90 day deadline. Hence, I was reported with 2 separate items on my credit report.
Company Response: Closed with explanation

Timely Response

2018-08-07

Arco, CA

Incorrect information on your report

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

Account information incorrect
Complaint: I have 4 late payments on my credit reports due to incorrect reporting. The late pays are for XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. 120 plus days late. I have been trying in vain to have these updated and removed to no avail. On XX/XX/XXXX I had a live chat with a NELNET representative who looked into my complaint. He agreed that there is an error ... he stated there was an error. The late pays should not be on my record. I was told previously that they would update from their end ( Nelnet ) but nothing has been done. I have filed claims with all three credit bureaus but to this day nothing has been removed. I have a copy of the transcript. These lates have prevented me from getting a car and finding a different apartment. they are causing a lot of problems for me. Please help!
Company Response: Closed with explanation

Timely Response

2018-08-07

Palos Park, IL

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: To Whom It May Concern, I am requesting in good faith that The Consumer Financial Protection Bureau will assist me in adjusting or removing the following incorrect reporting on my credit report. A XX/XX/XXXX 90+ days delinquency of my account that Nelnet holds. I requested Nelnet directly and they refuse to remove the error stating that it can only be removed if, 1. I was serving in the military, 2. I am the victim of a natural disaster, or 3. I was enrolled in school during that time. I do not fit any of the ONLY three options given but that does not mean that an error was indeed made. In XX/XX/XXXX I was contacted by a Nelnet representative who told me that my account was in need of attention since they did not receive my XX/XX/XXXX request for an Income Driven Repayment Option. The representative offered to assist me with the application for the Income Driven Re-Payment Plan over the phone. She pre-filled it with me over the phone and e-mailed it to me. ( See Attachment # 1 ) I then printed the application, signed the application, and submitted the documents via e-mail. I previously ( XX/XX/XXXX ) had my schools student finance office fax it to Nelnet due to previous issues of Nelnet 's claims of not receiving my applications via mail ( XX/XX/XXXX & XX/XX/XXXX ). I do not have the written evidence of requesting the Income Driven-Repayment Plan or a Forbearance request for those prior dates and therefore I am not disputing those reports. Nelnet did inform me in a XX/XX/XXXX conversation as well as in writing, ( See Attachment # 2 ) that the Department of Education did a yearly update ( XX/XX/XXXX ) 5 days after our conversation regarding the application for the Income Driven Repayment Plan and updated my contact information incorrectly. Even though Nelnet had my updated phone number they stated that did not matter and the Department of Education supersedes any information their records have. I have always tried to keep an open relationship with transparent communication with Nelnet and keep them informed of my situation ( s ) ( lay-off, medical treatments, XXXX, etc. ). I am guilty of assuming that my application was received, and all was in good standing but since I did not hear otherwise I thought regrettably that it was a safe assumption. On XX/XX/XXXX I was visiting my mother when she informed me that she had received a packet but did not understand the contents. She gave me the packet ( See Attachment # 3 ) and it was a letter written eleven times asking for a valid address or phone number for me. I immediately went home and e-mailed Nelnet at XXXX ( See attachment # 4 ) requesting help with the matter. The e-mail has a subject line : Income-Driven Repayment Plan and is specifically requesting help with my phone number and email information. On XX/XX/XXXX I received an e-mail ( See attachment # 5 ) which I could not open ( See attachment # 6 ). On XX/XX/XXXX, I decided I needed further assistance and called XXXX XXXX XXXX and I was told they would find out what was going on. Of course this was during the holiday season so an immediate response was not expected and I was not too worried since I had not heard anything from Nelnet. I left for the holidays out of town to visit family and called Nelnet on XX/XX/XXXX twice to ensure things were taken care of ( See attachment # 7 & # 8 ). I was told that, and Administrative Forbearance was placed on my account ( See attachment # 9 ) and was dated back to XX/XX/XXXX to XX/XX/XXXX and therefore my account was in good standing through that time frame and I had nothing to worry about. Therefore, the reporting on XX/XX/XXXX is an error and I am requesting that it be removed/adjusted. I have taken this matter up with Nelnet several times and recently emailed the XXXX XXXX Vice President XXXX XXXX on XX/XX/XXXX with no response. As well as, Ombudsman, All 3 Credit Bureaus & The Federal Trade Commision, which I have not heard back from any yet ( 30 Days ). Nelnet is refusing to admit error and assist me. I do not understand a process that if you have a dispute with Nelnet, you submit the dispute to Nelnet and Nelnet reviews and determines the conclusion? Their response is ( See attachment # 10 ) Your forbearance request was received after the delinquency ( ies ) occurred. But that most definitely is not true since my initial request was in XX/XX/XXXX, Second request was in XX/XX/XXXX and the third request was received on XX/XX/XXXX in the form of an e-mail. I am depending on the fair unbiased eyes and opinions of The Consumer Financial Protection Bureau, Ombudsman and Federal Trade Commision to assist me and others like me in this matter. This issue is not a regular occurrence with my creditors and it is not my intention to bash or discredit Nelnet however, errors do occur and should be looked at on a person to person basis not just by a policy. I thank you for your time and appreciate your attention to this matter. Sincerely, XXXX XXXX ( XXXX )
Company Response: Closed with explanation

Timely Response

2018-08-07

MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I took out loans with this company XXXX I was a student in college and I took a break in XXXX. I didn't know that student loans have to be repaid when not in school. I NEVER RECIEVED ANY contact from this company about payments being due via mail, email or phone call. The only way I found out was AFTER I checked my credit score and saw that it dropped a huge amount. I quickly made contact with the company to fix the situation. They claimed they sent me emails in XXXX. I never received any. This account shows it is in great standing from XXXX EXCEPT TWO MONTHS ( XXXX & XX/XX/XXXX ) This company refuses to take the derogatory remark off my credit score. Which I believe is extremely unfair! I was not contacted. I was not called. No one reached out to me, and this was my first student loan. I was XXXX years old. And now I can't even get a house because this company gave me 11 missed payments! ELEVEN! Terrible service. Will never deal with them again.
Company Response: Closed with explanation

Timely Response