NELNET, INC.

2018-05-11

OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: It all started when i attended XXXX XXXX in XXXX. Then the school shut down a week before i got my money but i was still charged XXXX dollars that was paid. I moved back to XXXX staterd attending XXXX XXXX College XXXX XXXX campus they kicked me out of school due to nonpayment on the XXXX loans the tax form i have says i paid XXXX dollars back in loans and XXXX dollars back in grants. I finally after a month got to go back to XXXX and recieved a small portion of my loans and grants XXXX dollars out of XXXX dollars worth. They never did give me the rest i was top of my classes they kept giving me the run around so i am currently struggling to transfer to XXXX XXXX College XXXX XXXX. School for summer classes starts in a few days they have been acting like they arent getting my transcripts finally got those then it was a problem with my test scores got those then they email me about my trabscript being incomplete so i went to XXXX and they maticously had everything now im still trying to set my classes up with them. It has just been very difficult ever since XXXX XXXX and all im trying to do is get a degree in XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2018-05-11

Glenarden, MD

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: I was making monthly Student Loan payments ( to a now defunct XXXX University, XXXX XXXX ), after a forbearance period, when I had a XXXX XXXX ( XXXX ) in XX/XX/XXXX. The guidelines were made clear in the U.S. Department of Educations documents, even online, that such a Medical crisis is grounds to have a S. Loan " discharged. '' After supplying the proper Medical documentation ( s ), I received a XX/XX/XXXX letter stating my Discharge was Approved. Some time later I began getting phone messages from the same company ( Nelnet ), stating my previously discharged account was " reinstated, '' without explanation. I got a letter from them dated XX/XX/XXXX, I still possess. During that time I was maritally separated. We lost the home, etc. We filed bankruptcy and I've just discovered Nelnet is on the list of creditors to get a payment? I totally disagree with this payment so I contacted our Bankruptcy attorney. He stated Nelnet " is '' on the list, and may only get a minor amount of the funding. He totally ignored my initial complaint of them being on the list, at all. After an initial XXXX, a second one is much easier to suffer. Nelnet had no regards for my health with their letters, calls, threats, and demands. I feel something nefarious and illegal may be going on here, with Nelnet getting an " illegal '' cut of our Bankruptcy filing.
Company Response: Closed with explanation

Timely Response

2018-05-11

Gloucester City, NJ

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Complaint: On XX/XX/XXXX I had made a payment of {$30.00} to Nelnet. This morning XX/XX/XXXX I see my credit score has dropped 31 points because my Nelnet student loan went up {$26.00}. This is not accurate reporting. I also see that I have one missed payment ( according to them its considered 2 ) when my account was supppose to be in a forbearance in XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-05-11

NJ

Incorrect information on your report

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

Account status incorrect
Complaint: This complaint in with NELNET Student loan servicing. I have had an account with Nelnet since XX/XX/XXXX ( ACCT : XXXX and XXXX ) and ( Address ID XXXX ) that of which I have was enrolled at XXXX University doing an undergrad program. Upon receiving my loans from XXXX Nelnet assured me that I would not go into default but into a forbearance program that would defer my loans until I graduate. Subsequently, I did not do well at XXXX and enrolled at XXXX University. I then received more loans from Nelnet and also had them placed in forbearance and stated to me that my loans would be due 6 months after I graduate. My date to graduate from XXXX was in XX/XX/XXXX. However, I completed the program early and my degree was conferred in XX/XX/XXXX. I immediately started getting loan payments from Nelnet of {$600.00}., {$450.00} and other amounts. I immediately called Nelnet and informed them that my 6 months had not expired when I began receiving these notices in XX/XX/XXXX, Nelnet informed me that my time expired and that the loans were due. I replied that no one informed me of any time period between my lapse in school which was two months two receive my schedule and transcripts to be received to start school at XXXX University. Therefore, my loans were placed as being 30 + days late. I have pleaded with them, because I have never been late on my loans with Nelnet as proof is given. As a result, I got my lawyer to intervene on XX/XX/XXXX and on XX/XX/XXXX, as of yet NELNET has not returned any calls or written correspondence to myself or my lawyer. I am asking that these late payments from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are removed from my credit report because I was NEVER late to Nelnet.
Company Response: Closed with explanation

Timely Response

2018-05-11

OH

Incorrect information on your report

Student loan: Federal student loan servicing

Old information reappears or never goes away
Complaint: i attended XXXX XXXX in texas for less than a month before they closed the school because they were taking students money. i never recived any money from XXXX but i have proof saying i paid it back but its still affecting my credit report. I also have XXXX apartments i lived at 3 years ago on my credit report and when i went to court for XXXX they told me they were not going to hold the money against me they just wanted me out the apartment i left but now it is also affecting my credit report. Then there is XXXX ER from XX/XX/XXXX and when i contacted XXXX from billing at the er she says their is no such bill due to the fact i have had medicade since XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-05-11

MD

Incorrect information on your report

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

Account status incorrect
Complaint: Hello, My name is XXXX XXXX. I'm a XXXX veteren with a XXXX XXXX. I have no student loans and have been sent letters from Department of Education and NelNet that I have no outstanding loans. On my credit report student loans show up showing a balance of over 28k and late payments. This is all incorrect, I have no student loans. They where discharged years ago.
Company Response: Closed with explanation

Timely Response

2018-05-11

MD

Incorrect information on your report

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

Account status incorrect
Complaint: Hello, My name is XXXX XXXX. I'm a XXXX veteren with a XXXX XXXX. I have no student loans and have been sent letters from Department of Education and NelNet that I have no outstanding loans. On my credit report student loans show up showing a balance of over 28k and late payments. This is all incorrect, I have no student loans. They where discharged years ago.
Company Response: Closed with explanation

Timely Response

2018-05-10

Aurora, CO

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

2018-05-10

Newnan, 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

Their investigation did not fix an error on your report
Complaint: I filed chapter XXXX in XX/XX/XXXX. Unbeknownst to me at the time, I was not required to make any student loan payments outside of my bankruptcy as it was not included in my schedules. I was in school at the time of filing so was not required to pay. I became delinquent in XX/XX/XXXX, but again I should have not been in a repayment status due to the chapter XXXX. I have contacted XXXX 3 times in regards to this matter and they reply that I applied for forbearance after the delinquency, ignoring the fact that I should not have been in repayment at that time.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-10

Fairfax, VA

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

2018-05-10

MS

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I dont know dates. But I have spoken with them a few times and they have me make {$5.00} payments then act like they dont get them. They told me after 6 or 9 months of consecutive payments I would be good and theyd help me further. After all that they started saying I wasnt paying. And then I get bills for {$100.00} and more payments to be made. The name is something education.
Company Response: Closed with explanation

Timely Response

2018-05-10

7 Corners, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: On XXXX complaint XXXX - I asked you to explain your XXXX assertion that you never received the XXXX forbearance request. I then outlined a chain of written documentation including receipts that Nelnet received the request and correspondence generated by Nelnet approving the request. I asked you to explain this discrepancy and you have refused. Explain now. I also asked if you needed me to send the forbearance request to you again. Again, you refused to answer. Explain. In the meantime, the forbearance request has been forwarded to Nelnet yet again. Apply correctly. ( If you recall, it was approved but applied incorrectly. As you should also recall, I sent several written follow-ups requesting Nelnet correct its application of the forbearance to which Nelnet promised in writing to investigate but which Nelnet and subsequently you failed to do. ) Once you correct the forbearance, remove any related late fees due to your refusal to address this matter. If you have any questions, please address them in this forum and as previously requested stop the robo calls. As observed prior, you have avoided directly answering virtually all questions asked to date please note that they are not going away. If you find you can not provide informative, direct and timely answers to questions asked, refer to someone more capable. You are wasting everyones time including mine. Finally, discharge and full accountability as previously specified.
Company Response: Closed with explanation

Timely Response

2018-05-09

Eight Mile, AL

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was paid
Complaint: Dept of Education/ Nel Net has been Falsely reporting students loans that are NOT owed to their Department. I have requested 4 times in writing and verbally. I have sent proof to all 3 credit bureaus of my paid in full account with the Department of Education ( not Nel Net ). This error is not only causing harm to my credit file but is also effecting my credit worthiness. Please correct As soon As possible.
Company Response: Closed with explanation

Timely Response

2018-05-09

Duncanville, 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

2018-05-08

Whipple, OH

Incorrect information on your report

Student loan: Federal student loan servicing

Personal information incorrect
Complaint: I deferred my student loans ( 7+ Different loans ) after graduating with XXXX in XX/XX/2013 from XXXX XXXX Univeristy. It was my understanding and I was told by the university that loans would be deferred 12 months. However, I was billed at the 6 month mark and billing invoices never made it to my address. They were sent to the wrong address. Therefore, at the 12 month mark when I contacted Nelnet ( student Loan company ) to pay my first payment and set-up a plan, all my accounts were 6 months late. This has stayed on my credit report ( 7 severely delinquent accounts ) For the last 5 years and has significant impact on my credit score.
Company Response: Closed with explanation

Timely Response

2018-05-07

WA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Department of Education/XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation

Timely Response

2018-05-07

Wheaton, IL

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

2018-05-07

WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XX/XX/2018 I received a text message from Nelnet ( XXXX ) XXXX ) stating my loan was in default. This is not Nelnets phone number nor is the number to contact them back at ( XXXX ). I called the phone number where I told them my social security, date of birth, name. They then told me my loan was fine but if I knew someone by a different name that may be listed under my account. I have reported this issue to both Nelnet and the department of education along with re obtaining my XXXX account to watch for fraud or identity theft. I am unsure what else I need to do or report to protect my identity.
Company Response: Closed with explanation

Timely Response

2018-05-05

Main Office, VA

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: My private student loan from XXXX University XXXX XXXX XXXX was serviced by XXXX for over 10 years. It was recently was sold to XXXX and now XXXX XXXX. I noticed that when the servicing was transferred my student loan payments began increasing despite making on time payments for 10 plus years. The principal balance is about $ 60K. I went from paying ~ {$700.00} per month to now, I looked at my XXXX account and the monthly balance due is now {$800.00}. I have noticed that the interest rate keeps climbing significantly and I am not sure why. When XXXX serviced my account the interest rate did not fluctuate and if it did, it was very minor. Now every month, I am asked to pay more and more despite the fact that the principal balance is shrinking. I want to know why all of sudden the interest rate is fluctuating so much. Is there a limit to how much interest can be charged? Also, XXXX has not uploaded my 10 plus years of payment history to my account. There are no records in this regard. I would like my payment history added to my account and an explanation as to why my interest rate keeps climbing. The interest rate is now 5.77 % and when XXXX serviced the loan, it was under 5 %, probably around 3-4 %. I would also like my due date extended giving these outstanding issues. I have been paying my student loans for over 10 years ( on time! ) and since XXXX took over and now XXXX my payments are increasing rather than decreasing. I find this very suspect. There is also no pay off statement which I thought was required by law. Please investigate. I have also lodged my complaint with XXXX.
Company Response: Closed with explanation

Untimely Response

2018-05-05

Modesto, CA

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

2018-05-04

Waterbury, CT

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-05-04

GA

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Complaint: Nelnet has violated 15 U.S. Code 1692g - Validation of debts US Code sections a and b.Nelnet is unable to provide validation of debt. This information has been requested multiple times and Nelnet failed to provide the information on purchase of debt. Nelnet has violated FCRA by providing false information to credit agencies fir the month of XX/XX/XXXX. It has also provided inaccurate information to 2 major credit bureaus in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. Nelnet is also in violation of FDCPA statues by failing to provide verification of purchased debt. Failure to provide this information to CRA 's and consumer over the allotted time periods after multiple recorded request through the CFPB complaint center and other mediums makes Nelnet Negligent. This consistent negligence stands as precedent for all actions of the company toward the client. Nelnet is negligent by definition : A failure to behave with the level of care that someone of ordinary prudence would have exercised under the same circumstances. The behavior usually consists of actions, but can also consist of omissions when there is some duty to act ( e.g., a duty to help victims of one 's previous conduct ). 15 U.S. Code 1692g - Validation of debts US Code Notes Authorities ( CFR ) prev | next ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. ( Pub. L. 90321, title VIII, 809, as added Pub. L. 95109, XX/XX/XXXX, 91 Stat. 879 ; amended Pub. L. 109351, title VIII, 802, XX/XX/XXXX, 120 Stat. XX/XX/XXXX. )
Company Response: Closed with explanation

Timely Response

2018-05-04

Bremen, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: XXXX XXXX XXXX On XX/XX/XXXX, I submitted an application for income based payment. I went to studentloans.gov and granted access to a joint tax return with myself and my wife showing both of our income. On XX/XX/XXXX, I received a notice from Nelnet stating that my application was incomplete and that I need to submit proof of income. I responded with a copy of my Paycheck stub immediately. I then received on XX/XX/XXXX with a duplicate email requesting proof of my income. I went back to my email and submitted the same attachment showing my income. On XX/XX/XXXX I received another duplicate email requesting a copy of my income. On XX/XX/XXXX, I contacted Nelnet via phone. I was told that it was not MY income that they needed, rather a copy of my spouse 's XXXX. On XX/XX/XXXX, I received a letter stating that {$3700.00} was being added to my principal balance and that my payment would increase from {$280.00} to {$1000.00}. I am frustrated that the correspondence with Nelnet was vague and their communication with customer service did not specify that the income I needed to submit was for my spouse, not my own. I have asked Nelnet to reverse this capital interest penalty and calculate my payment appropriately and they have not done so.
Company Response: Closed with explanation

Timely Response

2018-05-04

Arco, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: In order to receive assistance from a student loan repayment assistance program, I require a letter estimating what monthly payments I would need to make on my loan to pay it off by XX/XX/2022. The servicer is willing to state orally over the phone what payments I would need to make, but is unwilling to provide a letter with the amount.
Company Response: Closed with explanation

Timely Response

2018-05-04

Washington, DC

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was paid
Complaint: response to : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection NELNET : sent a billing statement as of XX/XX/XXXX with a payment due date of XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. This was not reflected in any billing statements. NELNET sold the loan to XXXX. Did NELNET sell my loan after I paid it in full? Did NELNET still continue to express that I had a payment due on XX/XX/XXXX when they sold the debt in XX/XX/XXXX?
Company Response: Closed with explanation

Timely Response