NELNET, INC.

2018-04-26

Palos Park, IL

Incorrect information on your report

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

Account status incorrect
Complaint: This problem has been going on for years. I currently am trying to re-enroll in school and I continuously get messages saying that I have loans from XX/XX/XXXX that are in default but when I go to the website the loans say XXXX balance. I have recently looked into my credit and my account says that I made 3 late payments on 2 different student loans. My problem is that I was reports " Current '' XX/XX/XXXX but " 90-119 days late ' XX/XX/XXXX as well as " 120-149 days late '' XX/XX/XXXXand XX/XX/XXXX. Then, my record shows " No info '' XX/XX/XXXX- XX/XX/XXXX, 1 " current '' payment in XX/XX/XXXX and then back to " no info ''. I do not understand how I went from current to 90- 119 days late in a matter of 30 days, and how reporting just stopped. My student loan payments have never been late.
Company Response: Closed with explanation

Timely Response

2018-04-26

Vernon Hill, VA

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX I was notified by XXXX XXXX XXXX XXXX XXXX, XXXX that my XXXX XXXX serviced by XXXX XXXX was sent to collections. It stated that I owed : Total Principle- {$8900.00} ; Total Interest on Principle- {$1500.00} ; Total Collection Fees- {$2900.00} ; Total Balance Due : {$13000.00} ( See Appendix A : XXXXCollectionInfo_Redacted ). I have been in correspondence with 1 ) XXXXXXXX XXXX and 2 ) XXXX XXXX XXXX XXXX XXXX, XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX XXXX, XXXX to pay off amount remaining {$2400.00} on my loan in collections. Spoke to XXXX ( XXXX XXXX XXXX XXXX XXXX ) first. The second person who verified a pay-off payment in the amount listed above was XXXX. On XX/XX/XXXX, I contacted XXXX XXXX via phone call. I spoke to a female who confirmed a payment of {$210.00} was last received on the account. She said once paid in full payment has been received the borrower and co-signer will receive a Letter of Satisfaction 30 days after payment from XXXX XXXX and she confirmed that the pay off payment should be made through XXXX XXXX XXXX XXXX XXXX, XXXX. On XX/XX/XXXX, I contacted XXXX XXXX via XXXX Contact Form Request on webpage. Requested a letter of satisfaction to be mailed regarding the account status to verify loan has been completely paid off. XXXX ( XXXX Customer Service Representative ) responded saying the request can not be met, because the loan was not in my name. Evidently, she entered my note/loan number as my account number and it showed me not as the borrow or the co-signer ( See Appendix B : XXXX Contact Form Request ). On XX/XX/XXXX I contacted XXXX XXXX via phone call. Spoke to XXXX to ask why my request can not be met and why I was not listed as a borrow. XXXX confirmed that my account number is different than loan number. She alerted me that there is {$710.00} principle left on the loan amount and that a Letter of Satisfaction can not be mailed, because the account is not paid off. However, when I log into the XXXX website I can not find out loan detail, current balance, due date, or status ( See Appendix C : XXXX XXXX XXXX Online Acct ). XXXX placed a review on the loan on XX/XX/XXXX. She stated it would take 3-5 business days for her to contact me via phone regarding this loan. Also, I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to confirm the loan has been paid off and out of collection. XXXX confirmed the account has been closed and has been paid off. She said her supervisor said to call XXXX XXXX XXXX XXXX for a 'Letter of Satisfaction '. When looking for a number for XXXX, I was unable to find a number. XXXX XXXX XXXX XXXX is linked to XXXX ( See Appendix D : XXXX Privacy Notice ). XXXX has a phone number linking to XXXX. When I called XXXX in the past, they have provided me with a letter stating that I do not have a loan with them ; they only deal with federal loans and this is private loan ( See Appendix E : XXXX XXXX XXXX XXXX Letter ). In reviewing prior paperwork I noticed that I received a letter dated XX/XX/XXXX from XXXX stating that XXXX XXXX XXXX XXXX ( XXXX ), is transitioning your existing XXXX XXXX XXXX to XXXX XXXX. ( See Appendix J : Appendix J-XXXX XXXX to XXXX XXXX ( XXXX ) ). Furthermore, on a letter dated XX/XX/XXXX I received from XXXX XXXX stating that XXXX XXXX XXXX XXXX ( XXXX ) has made the decision to transition the servicing of your XXXX loan to XXXX XXXX ( See Appendix K-XXXX XXXX to XXXX XXXX ( XXXX ) ). On XX/XX/XXXX, I was able to download payments received by XXXX XXXX. I printed a pdf of the payment history XX/XX/XXXX and exported to an excel file. File shows that XX/XX/XXXX has been altered from the original time I download XX/XX/XXXX through XX/XX/XXXX. There is a payment processing error, it appears, in XXXX XXXX 's payment history ( See Appendix F1 : XXXX Payment History ). On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX/XXXX. He said that the principle amount is {$710.00}. The payoff ( as of this day- it continues to grow interest daily ) is {$710.00}. I asked about the payment that was reversed ( See Appendix F1 : XXXX Payment History ) and he said it appears that payments had issues in XXXX. The conversation was 30 min long. I alerted him that the call was being recorded. He forwarded the loan to a Leadership Review. He was inquiring about 1 ) The payment issue in XX/XX/XXXX 2 ) Why XXXX XXXX says I have paid off the collection account but yet XXXX still has {$710.00} on the account and 3 ) What was the original amount that was sent to XXXX to collect on ( See Appendix A : XXXXCollectionInfo_Redacted ). He said he would follow up with me on Wednesday, XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX at XXXX XX/XX/XXXXand spoke with XXXX. I advised her that I had not received a follow-up phone call from XXXX as stated per phone conversation with him on XX/XX/XXXX. I asked is the account under a Leadership Review like XXXX had said. She alerted me the request was made for a leadership review. She could not provide me any outcome of the review. I asked what I could say when I call XXXX XXXX and she said that I needed to say XXXX XXXX has not submitted documentation that the accounted is closed and paid off. They have not sent a payment confirmation. XXXX requested for leadership to contact XXXX regarding the account. She said should would follow-up with me by calling me during business hours on Friday XXXX. On XX/XX/XXXX, I also called XXXX XXXX XXXX XXXX XXXX, XXXX at XXXXXXXX XXXX and spoke with XXXX ( pronounced XXXX ). I first asked if there was a balance on the account. She said No balance on the account. I said that XXXX XXXX, the loan servicer, is saying that XXXX XXXX has not submitted documentation that the accounted is closed and paid off. They have not sent a payment confirmation. May I please request that documentation be sent to XXXX XXXX regarding this account. XXXX spoke with her manager and advised me to contact XXXX XXXX XXXX XXXX ( XXXX ). I told her that my XXXX XXXX XXXX XXXX XXXX ( XXXX ) loan is now being serviced by XXXX and XXXX XXXX XXXXs the company that needs the payment confirmation from XXXX. She told me she would speak with the client relations department on XX/XX/XXXX regarding the servicer XXXX XXXX and I should call her back XXXX to XXXX on XX/XX/XXXX. She is unable to call me, because the debt collection account is closed. I am not waiting any longer to report this. XXXX XXXX XXXX XXXX XXXX, XXXX. says my debt collection account has been paid off, but they have not provided me anything in writing. All I have is my bank statements and an audio recording, along with the confirmation number. XXXX XXXX is claiming I owe a principle amount of {$710.00} even though I have paid a total of {$13000.00} out of my bank account to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX continues to claim they will call me back with follow-up phone calls on the requests made, but no one ends up calling me. I do not owe an additional {$710.00}.
Company Response: Closed with explanation

Timely Response

2018-04-25

Philadelphia, PA

Incorrect information on your report

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

Account status incorrect
Complaint: XX/XX/2015 Nelnet has marked me 90-120 days late on student loan repayment on three accounts but that is not accurate. Im tried to call and dispute it with them but they wont seem to hear me out.
Company Response: Closed with explanation

Timely Response

2018-04-25

Gardena, 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

2018-04-25

Macon, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Nelnet is in violation of FDCPA and negligence. FDCPA Nelnet has never responded with verification of Debt following all inquiries and allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, -- - XXXX XXXX -- - ( XXXX Cir. XX/XX/XXXX), 2014 WL XXXX XXXX XXXX Cir. Mich. XX/XX/XXXX XXXX, XXXX U.S. App. XXXX XXXX, the XXXX Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA ) Nelnet has violated FCRA and GBLA laws by the inability to produce records. There are multiple months with missing information not reported or reported incorrectly. This formation has been been provided to Nelnet on Multiple occasions. Nelnet does not have the requested records and is therefore unable to show this information to credit agencies effectively. They report NO DATA for multiple months on all 3 credit reporting agencies. This violates fair credit reporting and because it has happened over the course of 5 years on Multiple occasions it is not longer negligence but intentionally misleadingly. This violation is the second reported by the company against for violating FCRA as the first regarded violation of privacy laws under FCRA and GBLA. The fact that they are violating multiple sections of FCRA concerning Accuracy and Privacy on multiple occasions is not a call for concern but a call for action. This action has led to breach of contract under Nelnet Terms of Service when they were to have verified the actual debt before buying it from XXXX and other companies. They are unable to very the data missing and have therefore failed to report it to the Credit agencies. This violates FCRA and GBLA laws. Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's.
Company Response: Closed with explanation

Timely Response

2018-04-25

Rncho Domingz, CA

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: My loan information has disappeared on the website of my loan servicer XXXX XXXX. Their phones are never answered and each time I call there is a recording stating they are experiencing high call volume and to leave a message. Calls are never returned. It is impossible to get information about the status of my loans or any information whatsoever. I note that there are hundreds of complaints from other borrowers about this company. We are desperate and need help.
Company Response: Closed with explanation

Timely Response

2018-04-25

Beverly Hills, WV

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-04-24

Effingham, KS

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Nelnet 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

2018-04-24

Orion Twp, MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Below is a portion of the letter mailed today (XX/XX/XXXX) to the President of Nelnet , Inc., XXXX XXXX XXXX, with copies mailed to Nelnet , Inc. 's executive team and Board of Directors, and the Department of Education. Currently, I am on an income driven repayment plan and on the XX/XX/XXXX of every month I have a set amount of money withdrawn from my bank account consistent with the plan requirements. In my attempt to pay-off my student loan balance, I have elected to make additional payments above my monthly scheduled amount. On XX/XX/XXXX, I called the Nelnets ( the " Company '' ) call center to make an additional payment on-top of the amount that was to be processed that day. While speaking to the representative on the phone, I was reassured that my regularly scheduled payment was processing and that I was fine to make my additional payment, which I did for {$460.00}. On XX/XX/XXXX, I reviewed my bank records to discover that only my additional payment of {$460.00} was withdrawn from my account and that my regularly scheduled payment was not processed. I contacted the Companys call center and was told by a representative, which was confirmed by their team leader, that my regularly scheduled payment was processing and that it should go through in the morning. The team leader assured me that she would contact me in the morning if the payment did not go through as scheduled. The following day ( XX/XX/XXXX ) the payment still had not processed and the team leader failed to call as promised. Later on XX/XX/XXXX, I called the Companys call center and spoke with a different team leader about my issue. The team leader told me she would investigate the matter and call me later that evening arond XXXXXXXX XXXX The team leader contacted me as promised and explained that I had failed to click a button while making my payment online that would stop the money from being advanced to the next due date. I informed the team leader that I had called the Companys call center to make my payment and never made the payment online. After reviewing my file, the team leader realized her attempt to blame me for the Companys error was incorrect and had nothing further to add about her investigation. At the end of the call, I authorized the team leader to make my regularly scheduled monthly payment ( the payment that was confirmed as processing and was to be already completed by the Companys employee on XX/XX/XXXX ) along with a request that the payment be backdated to the date it was supposed to be withdrawn ( XX/XX/XXXX). Furthermore, I requested that two complaints be filed pertaining to how the Company processes payments and for the false information provided by Companys employees. The team leader confirmed she would handle all of those requests. Today, XX/XX/XXXX, I contacted the Companys call center to see the status of each issue listed above. My call was escalated to a Company supervisor ( XXXX ). After speaking with XXXX, I was informed that I would not receive a status update on my complaints unless I filed another on-line complaint regarding those complaints, which I have done ( I fail to believe this is the Companys policy ). XXXX added that there was no way he or the Company could backdate my payment despite the fact this was a Company error. I knew this was a lie as two months prior a payment I had made was backdated by the Company due to its own error. After being told this lie and receiving no help, I was beyond frustrated with XXXX assistance and requested to speak with his supervisor. I was told that his supervisor does not have phone conversations with customers and that I could either contact the Department of Education or file a complaint on-line. On top of these current issues, a Company employee on XX/XX/XXXX withdrew an unauthorized payment from my account. For the employees error, the team leader apologized and I was informed that I could request the money back, which I would receive in 30 to 40 days. Just the response I was looking for when I have other bills to pay. I have written this letter with the hope to address the issues I have encountered with the Company. The Company has mismanaged my payments and the Company employees continue to provide incorrect and misleading information. The Companys errors have caused my payments to be incorrectly applied towards accrued interest rather than my principal balance. This will result in me paying more money over time due to an error cause by the Company and its employees. The Companys actions must be corrected so that other lenders do not encounter the same type of treatment as I have. At this time, I formally request an investigation into each matter listed above. Furthermore, I would like my recent payment ( {$430.00} on XX/XX/XXXX) to be backdated to XX/XX/XXXX, which was the date the payment was supposed to be withdrawn as confirmed by the Companys employee. Lastly, I would like verification that my account has been properly adjusted to apply the requested backdated payment towards any accrued interest and my principal balance.
Company Response: Closed with explanation

Timely Response

2018-04-23

Ft Belvoir, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: XXXX has been my loan servicer for the past couple of years. I received a notice from XXXX that my loans are being transferred to Nelnet, not ideal but not terrible. However, the transfer to Nelnet is supposed to happen by the end of this month ( XX/XX/XXXX ) and I have NOT heard a single thing from Nelnet yet. Since I usually pay my student loans in the middle of the month, I tried to log into my regular XXXX loan portal and my outstanding loans are gone. So now it is near the end of XX/XX/XXXX, my loans are due in less than a week and I have no way to pay those loans. Help.
Company Response: Closed with explanation

Timely Response

2018-04-23

Middletown, NJ

Incorrect information on your report

Student loan: Federal student loan servicing

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

Timely Response

2018-04-23

Las Vegas, NV

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: On XX/XX/XXXX my loans were approved for a student loan discharge do to a XXXX. I was told by NELNET that my loans would be discharged and reported to all major credit bureas that my loans would be reported closed with a XXXX balance. On XX/XX/XXXX NelNet reported my loans incorrectlly to the major credit bureas as being defered tell XX/XX/XXXX, and reported them as, transfered. Also showing a 90 day late payment which I was inschool during XX/XX/XXXX and XX/XX/XXXX. I spoke to NELNET they said they were sorry for reporting incorrectlly and, that they would fix the issue with the three major credit bureas. They also sent me a letter stating so. I just want this fixed please, I am XXXX and this is really effecting my credit and me. I have been truned down for medical treatment that is not covered by insurance due to NELNET reporting incorrectly. At this time I do not know what to do but report NelNet, and to contact my state attroney office about this matter.
Company Response: Closed with explanation

Timely Response

2018-04-22

Lafayette Hl, PA

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

2018-04-21

Maplewood, MN

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

2018-04-21

Foy, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2018-04-20

Sherman Oaks, 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
Company Response: Closed with explanation

Timely Response

2018-04-20

Cordova, TN

Incorrect information on your report

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

Account status incorrect
Complaint: I've talked to the Department of Education for many months trying to get this rectified. They are reporting a past due balance incorrectly. There is no balance and it continues to say " I was late '' account number ending XXXX & XXXX. They both say past due balance from XXXX and XXXX just reported it XXXX. I've also talked to Nelnet and they informed me they will get it fixed and nothing has happened.
Company Response: Closed with explanation

Timely Response

2018-04-20

Washington, DC

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was paid
Complaint: I was contacted by XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX , NY XXXX ] about a debt that they purchased from NELNET [ XXXX XXXX XXXX XXXX , NE XXXX ]. I asked them to verify the debt was still valid as I had already paid it with NELNET. They asked me to contact XXXX/XXXX [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ]. I have contacted all three companies and have the chats/email threads available in PDF format. They never replied. I requested : " The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. '' The only documentation that arrived is a photocopy provided by XXXX of my original promissory note. XXXX sent a note stating that my wages would be garnished. They have not been able to verify that this is a valid debt. When speaking via phone to customer service at XXXX, they asked me provide proof that I had paid the debt with NELNET. I sent them images and screenshots via email per their request. I have not received a response. I was notified that this has impacted my credit rating. I have sent countless emails pleading to have this resolved. The complete lack of cooperation and common sense is frustrating. This is a waste of my time. I happy to pay what I owe, but they need to be able to substantiate
Company Response: Closed with explanation

Timely Response

2018-04-20

Lancaster, TX

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-04-20

NY

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: I am writing this letter to file a complaint against XXXX XXXX and XXXX XXXX. I began receiving phone calls from XXXX XXXX the end of XX/XX/XXXX. The man on the phone " XXXX '' said that I have a student loan that was past due. He asked me to verify my social security number and address. I refused to give that information because I did not know who I was speaking to and I have no dealings with this company. The man informed me that I have a loan with my daughter which was past due. I informed the man that I no longer have student loans with my daughter. I was told that the loan originated through XXXX XXXX and that he is calling from the company that is now servicing the loan. He would offer no further information without verification of my identification using my personal information. I refused and said that I would call XXXX XXXX and speak with them directly. I then ended the call. I called the phone number for XXXX XXXX that I found online on XX/XX/XXXX. There was a young lady named XXXX who answered. I explained that I was looking for information regarding a past due student loan with my daughter. She looked up my social security number and name and could find no information in the system. She gave me the number to the student loan department. She advised that I should call them because they may be able to help me further. I called the student loan department. I explained the situation to the woman on the phone. She took the last 4 numbers of my social security number, name, and zip code. She told me that she saw some old loan information but there was nothing further she could offer. The loans were no longer in their system. I was receiving random calls from various numbers in different cities and states. I did not recognize them so I did not answer. On XX/XX/XXXX I called and spoke to a woman named XXXX at the XXXX XXXX XXXX XXXX. She told me the next time they called to ask for specific information in an attempt to verify who I am speaking with. On XX/XX/XXXX I received a call from XXXX XXXX from XXXX XXXX. She told me she was calling from the collections department of the bank and that I had a loan with my daughter that was 116 days past due. I asked her to provide their street address, professional license number and licensing state. She began questioning why and was unable to provide any of the information.-even a street address She put me on hold stating that she was going to get someone on the phone who could give me information. When she came back, she said she had XXXX XXXX on the phone. I told XXXX that she should be able to provide this information about her company for me. I dont need to speak to another agency. She still questioned my reasoning and still could not provide any information. I said if XXXX XXXX is the originator of the loan, and she works for them, how can she not provide me with basic information about the company and an origination date for the loan. I complained that she could not give the street address, professional license number or state for her employer. She tried again to transfer me to the person she had on the phone from XXXX XXXX but I hung up. I called another number for XXXX XXXX. I spoke to a girl named XXXX. She found nothing in my social security number but was able to tell me that there is a loan in her system originated in XX/XX/XXXX under my daughters information with my name for XXXX. I asked if this loan was consolidated through XXXX with the others. She couldn't tell. My daughter has been out of school for close to 10 years. She was paying her loans off regularly. She then consolidated all of the loans through XXXX. She continues to pay her loans monthly. We have heard nothing from XXXX XXXX until now. She had all these other XXXX XXXX loans that were being paid without incident before and after consolidation.Therefore, I dont know what is happening now. I have no more student loans with my daughter. We dont know what this loan is that has just popped up and they are trying to charge us with. They are attacking our good name and credit in the process. According to XXXX, XXXX and other websites, there is a 6 year statute of limitations on debt. Private student loan debt can have a 10 year statute of limitations. Per the little bit of information they have given me, this loan is 12 years old. Therefore, they should not be contacting us about it at all.
Company Response: Closed with explanation

Timely Response

2018-04-20

Lexington, KY

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: My issue is a credit reporting from the student loan company nelnet. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by 100 points with XXXX, XXXX, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. Nelnet should have been properly handling my payments to avoid this.
Company Response: Closed with explanation

Timely Response

2018-04-19

Lakeshore, LA

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-04-19

Syringa, VA

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: An ex-spouse of mine forged my name on a Private Consolidation Loan Credit Application agreement with NELNET ( now XXXX XXXX ). I did not authorized the signing of my name on this or any other document. Which although electronically done makes it forgery. It was explained to me that married couples are seen as one except in the case of forgery. I've been trying to explain this to NELNET / XXXX XXXX for years. However, they will not listen or do anything about it. Furthermore, a check from XXXX in the amount of {$12000.00} I never received was cashed by drivers license XXXX. My GA drivers license number is XXXX. I never authorized or knew about it until it was too late. As For XXXX, I called them to file a complaint of forgery regarding my name but had no account information regarding these loans there, they were unable to find any information regarding the account ( s ). I never authorized my ex-spouse to borrow money using my name or to sign my name only anything from this company either. In reference to me attend school, I was using the GA Hope Scholarship to attend school the time all of this was going on. Therefore, I didn't realize this was happening until it was too late. Now I've got a horrible company like XXXX XXXX to deal with. Also, the company NELNET ( XXXX XXXX ) also practiced predatory lending in that they also combined my income with my ex-spouses in to qualify my social for the loan but gave her no responsibility for the loan, leaving it all in my name. For this reason, and being unfair in a crucial situation, I would not recommend that anyone ever get involved with XXXX XXXX. In closing, I pay well over {$900.00} of child support each {$840.00} + {$100.00} ordered to pay back in arrearages. I can not afford to pay back school money that I never and was not used for my benefit.
Company Response: Closed with explanation

Timely Response

2018-04-19

OK

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have been paying my student loans for more than 10 years thinking that I was accruing the eligibility requirements for participating in the Public Service Loan Forgiveness program. At no point was I notified by my loan service provider that the federal loans I had did not qualify.
Company Response: Closed with explanation

Timely Response

2018-04-19

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