NELNET, INC.

2018-06-07

ME

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I HAVE A LETTER STATING THEY WILL REMOVE ANY PAST DUE AMOUNTS AND HISTORY
Company Response: Closed with explanation

Timely Response

2018-06-07

Centerville, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2018-06-05

Chillicothe, 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

2018-06-05

Lewisville, TX

Incorrect information on your report

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

Account status incorrect
Complaint: I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information
Company Response: Closed with explanation

Timely Response

2018-06-05

Irving, 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

2018-06-05

NC

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I have been paying on this loan with NelNet for 13 years. The original loan was for {$16000.00}. I have paid {$13000.00} yet the current balance is {$13000.00}. Recently I began to pay the interest amt shown plus an added {$100.00} hoping to see the balance go down only to find that it went UP instead! Since interest accrues daily, the moment I make a payment, it's applied in such a way that the principal rarely changes, then interest eats up whatever I paid. I'm sure I'm just wasting my time in submitting this complaint but I'm XXXX years old & my income is only SS. It's wrong that despite paying all these years, the loan balance has barely changed. That means I'll NEVER be able to pay it off. I can't get another loan to pay it off & from what I understand if I can't make payments, my SS will be garnished, meaning I can't pay my rent & utilities, etc. Knowing that everyone who's a victim of this lender is in the same boat doesn't make me feel any better. Frankly, the Dept. of Education has done a great injustice to all of us XXXX enough to take out a student loan.
Company Response: Closed with explanation

Timely Response

2018-06-05

Hawthorne, CA

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

2018-06-05

Marion, MT

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: Nelnet Refuses To Mail Me A Paid In Full Letter After I Paid The Private For Profit School Student Loan Scam Off On XX/XX/2018.I Have Called Several Times And Every Time They Give Me A Different Answer, Thirty Days, Fourty-Five Days Etc.They Have Their Scammed Money, Why Can't I Have My Paid In Full Letter? After Trying To File A Complaint With Four Different People All Calls To CFPB To File A Complaint Fell On Extremely Rude Ears Refusing To File My Complaint Over The Phone.I Don't Understand The Reason For The Runaround From CFPB.
Company Response: Closed with explanation

Timely Response

2018-06-05

Arden, NC

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-06-05

Fort Worth, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Just found out that XX/XX/XXXX my monthly payment went up without them confirming that I was aware of this change. Now it has been reported on my credit score as neing past due. I have had it set up on autipay through my bank for over 10 yrs to pay XXXX but my monthly bill was XXXX something I just rounded it up to XXXX. I have not missed any payments. XXXX mailed a notice to an old address & I did not recieve it. XXXX supervisor stated it is my gault they had a nad address & I could go online at any time to see changes. I had no reason to go online when my my nill was being autopaid. I just spoke with Nelnet 2 supposed supervisors & they are unwilling to remove the negative late payment from my credit score that they reported. Even though I paid everu month the same as usual. And did not recieve notice of any changes. Why do they not have to have assure that you revieved it & have you sign aknowledgement like most business '? This would have prevented the entire incident. I diligently paid every month since XX/XX/XXXX. And now my credit dropped because of this. Customer service there was not very good except for the first rep I spoke with. They were not very friendly or understanding. They just kept repeating the same thing. I could inderstand if I was not paying or simething but I have been every month.
Company Response: Closed with explanation

Timely Response

2018-06-04

Fort Worth, TX

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: I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-06-04

Fort Worth, TX

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: I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXXandXX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-06-04

Fort Worth, TX

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: I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-06-04

Fort Worth, TX

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: I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-06-04

Fort Worth, TX

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: I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-06-04

Fort Worth, TX

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: I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018.
Company Response: Closed with explanation

Timely Response

2018-06-04

Fort Worth, TX

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: I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-06-04

VA

Incorrect information on your report

Student loan: Private student loan

Personal information incorrect
Complaint: I received a notice of late payment on my credit report from Nelnet. When going in to details on why I have not received my statements it was because they had a wrong address on file as to why I could not receiving statement. I contacted Nelnet n XX/XX/2018 thru CEO XXXX XXXX no response from him and Customer Service Solutions asking for my credit report and then nothing.
Company Response: Closed with explanation

Timely Response

2018-06-04

Lewisville, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: After reviewing my free annual credit report in late XXXX, I noticed Nelnet had been reporting to the credit bureaus that I had 16 missed payments with them. Confused, I called to speak with a representative about this error who informed me that because I have 4 separate loans with Nelnet, when I missed 4 payments during the summer of XXXX, ( XXXX, XXXX, XXXX and XXXX ) it is reporting as 16 late payments. I expressed to the representative that this reporting of 16 missed payments is a bit misleading as I only make one monthly payment to Nelnet that is then disbursed between my 4 loans. The reporting of " 16 missed payments '' is not a fair and accurate representation of my payment history with the lender. She advised me to send a " goodwill letter '' to the " higher ups '' since they are the individuals who have to power to approve those types of changes being reported to the credit bureaus. On XX/XX/XXXX I sent a goodwill letter via email to Nelnet 's six Executive Leadership team members. To this day, I have not gotten a reply about why this situation could not be worked out. I followed up in XXXX with the credit bureaus and was informed by all three that any changes made to the payment history has to be initiated by the lender in their monthly report.
Company Response: Closed with explanation

Timely Response

2018-06-04

TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have disputed these accounts and have sent letters to the bureaus and companies and no one will help me resolve my problems.
Company Response: Closed with explanation

Untimely Response

2018-06-03

Allentown, PA

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2018-06-03

NH

Incorrect information on your report

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

Account status incorrect
Complaint: These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
Company Response: Closed with explanation

Timely Response

2018-06-03

Austin, 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

2018-06-02

Clinton, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-06-02

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: This company continues to violate the XXXX Finance Code by not providing a surety bond for nelnet or themselves. 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 XXXX. They are required to get a surety bond. No one had provided this which is required under the XXXX 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. XXXX 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 Texas. 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 XXXX Attorney General 's office. Attached is the complaint for both companies.
Company Response: Closed with explanation

Timely Response