NELNET, INC.

2018-07-01

Euless, TX

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: Re : Late Payment Removal/ Ref # XXXX This correspondence is in response to the letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Nelnet is in violation of Section 623 ( a ) ( 2 ) of the FCRA. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Nelnet representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for Nelnet to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my Nelnet accounts that were part of the XX/XX/XXXX late payments show deferment status effective as of XX/XX/XXXXor XX/XX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with Nelnet, both as they actually existed and as Nelnet has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the two accounts showing a 90-day late payment in XX/XX/XXXX be updated and/or corrected and removed. In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, XXXX, and pursue other legal routes if necessary. Please respond within 15 days of the date of this letter with an update to this matter. Very Truly Yours, [ *Footnote : For the record, I do not agree that Nelnet ever accurately reported the status of my loans. I submitted the request timely and spoke to one of their representatives leaving me to suspect a processing error on behalf of Nelnet. In addition to the possible Section 623 ( a ) ( 2 ) claim, I intend on disputing the processing of my deferment if need be. ]
Company Response: Closed with explanation

Timely Response

2018-07-01

Euless, TX

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

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

Investigation took more than 30 days
Complaint: Re : Late Payment Removal/ Ref # XXXX This correspondence is in response to the letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Nelnet is in violation of Section 623 ( a ) ( 2 ) of the FCRA. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Nelnet representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for Nelnet to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my Nelnet accounts that were part of the XX/XX/XXXX late payments show deferment status effective as of XX/XX/XXXXor XX/XX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with Nelnet, both as they actually existed and as Nelnet has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the two accounts showing a 90-day late payment in XX/XX/XXXX be updated and/or corrected and removed. In the event that these reports are not immediately updated to accurately reflect my payment status duringXX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, XXXX, and pursue other legal routes if necessary. Please respond within 15 days of the date of this letter with an update to this matter. Very Truly Yours, [ *Footnote : For the record, I do not agree that Nelnet ever accurately reported the status of my loans. I sent submitted a deferment and spoke to a representative timely leaving me to suspect a processing error on behalf of Nelnet. In addition to the possible Section 623 ( a ) ( 2 ) claim, I intend on disputing the processing of my deferment if need be. ]
Company Response: Closed with explanation

Timely Response

2018-07-01

Euless, TX

Took or threatened to take negative or legal action

Debt collection: Federal student loan debt

Threatened or suggested your credit would be damaged
Complaint: As this company states in complaint XXXX, they are just the servicer for XXXX XXXX XXXX ELT Nelnet Trust. The state of Texas does not show this company has a surety bond on file, which is a violation of the Texas Finance Code. Also, as they pointed out on the application provided in complaint XXXX. Texas Finance code requires a surety bond for any company or their servicer to collect as they so frankly referenced, as permitted by law ( section F.34.F ). This is Texas states law. Their statement : " To clear up your questions, we offer you the following basic information about the loans Nelnet is servicing for you. Your consolidated student loan is owed to XXXX XXXX XXXX Elt Nelnet Trust. Your account number is XXXX To clear up your questions, we offer you the following basic information about the loans Nelnet is servicing for you. Your consolidated student loan is owed to XXXX XXXX XXXX Elt Nelnet Trust. Your account number is XXXX ''. This company continues to violate the Texas Finance Code by not providing a surety bond for nelnet and/or their client, XXXX XXXX XXXX ELT Nelnet Trust. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. This company has repeatedly failed to provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. Nelnet hasn't produced info. I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. I have failed a complaint with the Texas Attorney General 's office. Attached is the complaint for both companies.
Company Response: Closed with explanation

Timely Response

2018-07-01

Grapevine, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2018-06-29

Bloomington, MN

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: The servicer of my student loan was transferred from XXXX XXXX to Nelnet. I did receive physical mail notification of the transfer ; however, upon establishing an online account with netlnet I was notified of a loan balance that appeared much higher than the balance disclosed to me online via XXXX XXXX during the months prior to the transition. I called XXXX XXXX to obtain a record of my loan balance prior to the transfer to Nelnet, and after being placed on hold multiple times prior to being reconnected to the service representative they were unable to provide me with my student loan balance at the time of transfer to Nelnet. I am concerned that the balance reflected at Nelnet is overstated and I have no means to reconcile my ending balance at XXXX XXXX prior to transfer to what now appears on Nelnet ( my new servicer ).
Company Response: Closed with explanation

Timely Response

2018-06-29

Old Round Rock, TX

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
Company Response: Closed with explanation

Timely Response

2018-06-29

Dublin, OH

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-06-29

Sacramento, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: All my student loans were consolidated on XX/XX/XXXX by 'XXXX ', now known at 'Nelnet ' XXXX At that time, and at no time ever after XX/XX/XXXX did 'XXXX ', now known at 'Nelnet ' or did any other lender that my loans were sold to i.e. XXXX, XXXX XXXX contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, or payment types. Additionally, all the above lenders nor did the any agency of the federal government ever inform me post XX/XX/XXXX of the passage of legislation related to the P.S.L.F. ( Public Service Loan Forgiveness Program. Today, XX/XX/XXXX @ XXXX Hours I called Nelnet XXXX and I explained my predicament, and they replied, " Hope the information we gave you helps, good luck! ". I have already applied, and been denied for the P.S.L.F. twice that I do qualify for as I have never missed a student loan payment, made over 120 payments, worked for a not for profit for over 10 years in a full time capacity. I also qualify for the new T.E.P.S.L.F. ( Temporary Expanded Public Service Student Loan Forgiveness Program, and am working with my Congressman XXXX XXXX to resolve this. I have authenticated the transfusion over over 250,000 blood products into patients over my Public Service Career. Not getting my student loans forgiven is a disgrace. ( I have attached no documents because their are none and nothing to submit-'Nelnet ' or did any other lender that my loans were sold to i.e. XXXX, XXXX XXXX contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, or payment types ). Congressman XXXX XXXX 's office will be acting on my behalf you can also correspond with them as well as me.
Company Response: Closed with explanation

Timely Response

2018-06-28

WI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have several loans in IBR which are serviced by NelNet. After my most recent re-certification, they began overcharging one of my accounts. My account number with NelNet is XXXX and the loan at issue is designated Group D. My standard 10-year payment is {$180.00} and they are requiring I pay under the IBR program {$180.00} per month. It is my understanding based on the language of Fed. Code Sec. 682.215 ( D ) ( 1 ) ( i ) as well as all of the materials put out by the Department of Education that my payment would not be higher than the standard 10-year payment based on when I entered the IBR program. An example of this information is in the FAQ about IBR put out by the Department of Education, the link to which is : https : //studentaid.ed.govXXXX When I contact NelNet, they claim that the 10-year standard payment changes every year, based upon how many payments are left under your original 10 year plan. On their web page they describe it as : " If you choose not to provide us with your current income information each year, or we determine that your current income makes you ineligible for a reduced payment amount, you will remain on your income-drive ( sic ) repayment plan, and your payment amount will be adjusted TO ENSURE YOUR STUDENT LOANS WILL BE PAID OF BY THE END OF YOUR REMAINING TERM. '' ( Caps inserted ). This does not comport with the Department of Education information or the statute. Note, on the page 4 table it describes the payment cap under IBR ro be " never more than WHAT YOU WOULD HAVE PAID under the Standard Repayment Plan with a 10-year repayment period, BASED ON WHAT YOU OWED WHEN YOU ENTERED THE IBR PLAN. '' ( Caps Provided ). In addition, Question 16 at page 20 states when you are no longer eligible for IBR due to income, you will be required to pay the 10-year standard payment based on the loan amount when you first entered IBR. NelNet 's interpretation runs counter to the law and various materials put out about IBR and would also lead to absurd results, as well as effectively gutting the " cap '' on payments. For instance, if you made 100 out of 120 IBR payments and had a balance remaining of {$100000.00}, NelNet would calculate the monthly payment as {$5000.00} ( {$100000.00} / 20months ). Under NelNets interpretation not only do the payments become prohibitive once your income renders you ineligible, it also effectively takes the position that an IBR loan repayment may never extend beyond the original 10 year term. For a program that offers forgiveness of loans after 25 years, this is clearly not a workable situation. Their interpretation becomes more absurd if you lose eligibility after the original 10 year term. Multiple persons at NelNet indicated that if you lose eligibility at payment 120, then payment 121 would be the full amount of the loan balance. This is clearly not the intent or language of the IBR regulations. I am especially concerned that these statements are often coupled with a pitch to have the borrower switch out of IBR into a different payment scheme. What is also concerning is that their webpage broadcasts the erroneous interpretation as their position. I believe this interpretation is willful and is solely intended to scare IBR borrowers to leave the program into a different, higher, payment scheme. I am not so concerned at this time that my Group D payment is approximately {$1.00} more a month than it should be, however I am concerned that their total lack of recognition of the IBR cap will lead to future, more severe problems in the future. Thank you, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-06-28

Arbutus, MD

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with explanation

Timely Response

2018-06-28

Scotts, MI

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Company Response: Closed with explanation

Timely Response

2018-06-28

Sylvania Township, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2018-06-28

NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I am on a graduation repayment plan with Nelnet because, like many other 30-somethings, I have a large amount of student debt. I pay consistently every month, often more than what my amount due is. I am currently stuck in negative amortization and while I am paying over {$200.00} a month for my student loan, I am accruing a interest at such a rate that all of my payments for the last year have only gone towards interest and my principle has still gone up over {$600.00} dollars.
Company Response: Closed with explanation

Timely Response

2018-06-27

Gardena, CA

Incorrect information on your report

Student loan: Federal student loan servicing

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-06-27

Hamburg, MN

Incorrect information on your report

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

Account status incorrect
Complaint: I filed for loan forgiveness in XX/XX/XXXX through XXXX XXXX XXXX due to a total and permanent XXXX and had to jump through hoops for XXXX years to make sure the total and permanent XXXX forgiveness went through. In XX/XX/XXXXI filed a XXXX form with my taxes after receiving a letter in the mail from XXXX XXXX stating that my {$32000.00} worth of private loans had been removed off my credit and permanent record. Mind you each year from XX/XX/XXXXthrough XX/XX/XXXXI had to send in a copy of my taxes with all of my medical records and letters stating that I was indeed totally and permanently XXXX. I also contacted the Department of Education for the state of XXXX who has also stated that the private loan for the above amount should have been permanently deleted from my credit and permanent record. I am contacting you because as of today Nelnet ( The agency that collects debt ) claims that I still owe the amount even though I sent them a copy of my tax transcripts and a copy of the letter they sent me stating that the loan had been forgiven. This has been damaging my credit and has also caused lots of stress due to their incessant phone calls telling me I owe them money. I have called them several times since XX/XX/XXXX to try and get this resolved and they simply will not resolve it unless I pay the above listed amount, which I do not owe.
Company Response: Closed with explanation

Timely Response

2018-06-27

Jupiter, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I had 9 loans with XXXX XXXX that were serviced by XXXX XXXX for my XXXX degree. I had 1 loan that was serviced by XXXX XXXX for my XXXX. The 9 loans have a first of the month due date and the 1 loan has a mid month due date. The 9 loans were transferred from XXXX to Nelnet in XX/XX/XXXX. The 1 loan was transferred to Nelnet in XX/XX/XXXX. Nelnet has now combined all 10 loans into one account with a first of the month due date. I have asked them to separate the loans back into two separate accounts so they can have separate due dates. They have refused to do this citing internal policy. I have contacted them twice to resolve this : XX/XX/XXXX and XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-06-27

Liverpool, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Complaint: I have a total of 8 student loans on my credit report, only 2 have been validated. On XX/XX/2018 I mailed a certified letter to XXXX College to seek validation of the debt they are claiming I owe and I never got a response.I attended XXXX XXXX College around the time XXXX College is stating I took out a loan. I allowed them 30 days from the date of the receipt to provide me an original copy with my signature on it. They have failed to comply and according to the Fair Debt Collection Practices Act I have the right to request validation of the debt XXXX College is saying I owe. Also I have another issue with XXXX XXXX College, I have been contacting them to provide me with original copy with my signature on it as well for the loan they are saying I owe. I am requesting proof that I am the party you are asking to pay this debt.
Company Response: Closed with explanation

Timely Response

2018-06-27

Columbus, OH

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-06-26

Sandy Hook, CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Good afternoon, I am complaining about how Nelnet is handeling my payments and information being given to me. The problem started in XX/XX/2018. My payment went up to {$200.00} without warning. I am on automatic debit and have this coming out of an account that is used to only pay this loan. This forced my account into overdraft since only enough money is added to that account to pay this payment. I made a deposit and went back to the bank to ask for a refund as it is the first time I had every overdrafted. they were inclinded to refund my money. I Immediately signed on to my Nelnet account to check the payment history and noticed my payment amount showed due for around {$140.00}. ** for the month of XXXX. I called Nelnet to see why my payment amount had just gone up and now gone down. I spoke to a rep that told me I had a {$60.00} credit on my payment but was unable to tell me why. she offered to send me a billing statement. before I ended the call I asked what my payment amount would be drafted at, the {$140.00}. ** or the new payment of {$200.00}, she replied that the smaller amount. I told her I would be calling back if the it was the larger amount and wanted to make sure it was being done correctly. on XX/XX/18 the {$200.00} was drafted from my account forcing it to overdraft for a 2nd time. I called in and sppoke to a on XX/XX/18 I believe. The rep was much more helpful and stated that my auto ACH was drafting teh incorrect payment for me and that my payment amount should have been {$150.00} this whole time and the disclosure from XXXX XXXX where my loan was transfered from was incorrect. At this point I do not even care more money was being applied to my loan as it does pay it down faster. My concern was the {$35.00} NSF I had to pay to my bank which I do not believe was my fault. The rep transfered me to a resolution team and I spoke to a rep XXXX. she said that she would listen to the call and determine what the rep said to be, This was on XX/XX/18. I patiently waited for a return phone call, finally on XX/XX/18 I called back to see if they had a resolution. while I was on the phone with a rep XXXX called me back on my cell phone. she claimed she had listened to the call and that even though the rep had told me the lower amount would draft, she also stated that since it was auto ACH she didn't know what would happen, and since that was said Nelnet was covered. I do not rememeber her saying this at all but also could not believe Nelnet took over a month to research this and then were using this weak explination to not refund me my money. I have always paid on time and never had a situation like this happen to me. Going foward to my XXXX payment, the website again said my total balance was {$97.00}, on XX/XX/18 the payment of {$150.00} was taken out of my account. My account still shows {$97.00} due for the month of XXXX now but am sure that amount will not be taken out. I work with ACH transactions daily and know the regulations governed my XXXX. I also am aware they are not able to just randomly debit my account for random payments. I am also upset as I can not get a straight answer as how much my payments should be, how much they should have been in the past or why I was debited random amounts. I am also concerned about the {$35.00} i was forsed to pay through no fault of my own. I am a financially responsible person and DO NOT pay fees to my bank or anyone else unless absolutely necessary. in this case I believe Nelnet has been irresponsible with my payments and can not give me correct information. I will keep complaiming to the CFPB, department of education, anyone that will listen till I get the correct amount that should be being paid for my loan monthly and my {$35.00} dollars back.
Company Response: Closed with explanation

Timely Response

2018-06-26

PA

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: It says the first loan was opened in XX/XX/2014 and i started college in XX/XX/2014. I did not personally sign up for my loans to be paid off right now and anything against that was not acknowledged by me. My credit report also has two more loans for the three years that I attended my first school. I now am transferring to another university and the school I am transferring to has my application. I have not graduated college yet and am not sure as to why I have these delinquencies on my account. It is just not right, I have no way of paying for this at XXXX years of age while still in college.
Company Response: Closed with explanation

Timely Response

2018-06-26

Boston, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I went to XXXX XXXX from XXXX XXXX XXXX by XX/XX/XXXX i was employed full time at a non profit company. apparently partial amount of my loans went into repayment in XX/XX/XXXX and the rest in XX/XX/XXXX. i went on XXXX XXXX XX/XX/XXXX for which i continued to make payments regardless. around that time ( XXXX - XX/XX/XXXX ) i applied to be put on the IDR repayment plan and WITHOUT my consent/knowledge nelnet put my account in forbearance although i made normal payment that month and at the normal amount. in XX/XX/XXXX once again nelnet put me into forbearance WITHOUT my consent/ knowledge when i enrolled in their autodebit and they still received their normal payment at the due date. I transferred into a public service loan forgiveness program through XXXX in XX/XX/XXXX and my loans. After contacting nelnet I found out that WITHOUT asking/knowledge they put my account once again in forbearance when i continued to make normal payments. then there are a period of approximately 8 months where they say they have no record of payment BUT at the same time say there was no forbearance or deferment but refuse to answer my question as to why there would be no payments and the lack of negative reports/delinquency notes on my account. ALL of these issues have caused me to loose out on over 12 qualifying payments for my loan forgiveness.
Company Response: Closed with explanation

Timely Response

2018-06-26

Lewisville, TX

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

2018-06-25

Lannon, WI

Incorrect information on your report

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

Account information incorrect
Complaint: A few months ago, because I founded a XXXX XXXX XXXX XXXX XXXX and received approval from the Dept. of Ed as a loan forgiveness program for our counselors, since we service XXXX XXXX patients, my loans were moved from a provider to direct payment to the Dept. of Ed. That provider was not the problem. Prior providers who were horrible lost my loan servicing to an organization in XXXX, which was great. XXXX and XXXX have reported negative comments about delinquency to the credit bureaus. I was NEVER delinquent, as I was on a deferral basis, since I am still in a XXXX program. I switched schools from XXXX XXXX ( money hungry ) to XXXX ( tries to reduce student debt ). XXXX is eligible for deferral programs from other school balaances. There is no reason to report me delinquent. I feel this is just a thumb in the eye for leaving them. Please correct. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Problems are : Dept of Ed. XXXX and XXXX XXXX XXXX. Hit me for every single loan. Battered my credit score. Totally unfair. If you need my social, it is XXXX. Thank you very much.
Company Response: Closed with explanation

Timely Response

2018-06-25

DE

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: Original Inquiry : My compliant is with Nelnet. Apparently they handle DOE cases but I have compliant which needs to be heard. My case was opened on XX/XX/XXXX to discharge my federal student loan based on my XXXX-confirmed by the Social Security Administration. I changed my status to Veterans Administration XXXX XXXX. It has been seven months since changing my XXXX status, nine months since my case was opened and three months since I supplied additional documentation. Nelnet has responded, in an unprofessional manner, confusing correspondence and an extremely slow response. It is painful working with Nelnet. They have the VA and Social Security XXXX form Please advice Sent On - XX/XX/XXXX I appologize for attachingidentifiable info but it's important to see my VA rating Case Number
Company Response: Closed with explanation

Timely Response

2018-06-25

Mascotte, FL

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was result of identity theft
Complaint: It seem like Nelnet is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Nelnet claim that I own them money. They have not seem any proof or validation this debt. They have not given me the address and name of the original. They are putting false information on my credit report. I really believe that Nelnet being discriminated against me because I'm a XXXX male.
Company Response: Closed with explanation

Timely Response