NELNET, INC.

2017-10-10

Jennings, LA

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

2017-10-10

MA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Took an unauthorized amount of money after a repayment schedule had expired.
Company Response: Closed with explanation

Timely Response

2017-10-10

Spring Hill, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have been trying since XXXX/XXXX/XXXX since I talked with XXXX at XXXX pm to get Nelnet to make my loan one payment that will cover my interest and pay off my principle as well. I paid over the amount that was due and it did not even touch my principle instead what Nelnet did was " move '' my loan out according to them. Instead of paying once a month I ended up paying three times that month {$130.00} on XXXX/XXXX/XXXX and twice on XXXX/XXXX/XXXX {$200.00} and {$400.00}. I contacted Nelnet once again the following day with XXXX and was supposed to setup a payment once a month of {$610.00}. Supposedly Nelnet fixed the problem and pushed my loans into one payment. My payments were never set to the {$610.00} and finally in XXXX I contacted them again to fix this problem. On XXXX/XXXX/XXXX I contacted Nelnet yet again and spoke with XXXX about the issue of my loan not being the {$610.00} that its supposed to be as well as why I paid over on my loan group f and it never went down. I paid the {$480.00} they show online due at that date and it was posted on my account on XXXX/XXXX/XXXX. Once again today XXXX/XXXX/XXXX I received an email stating that I now owe {$510.00} and its past due somehow. Once again being charged 2 time in a month and not even for the correct amount. Nelnet does not show how much you have to pay in order to pay down on the interest they show an amount due but it does n't cover interest. They also have n't put any of my money that I pay over to principle. They say I have to check a box that is never there that says I do n't want to " push '' my loan out according to them. I have paid off many loans and continue to pay and have never had any issues like I have had with Nelnet. They make it a nightmare to pay off your debt and continue to either over charge me or lower my payments so that interest accrues on my loan. No matter how I pay my loan my principle is not going down. This company does everything they can to keep charging you more and make it as confusing as possible to pay it down. Every other loan I have ever had in my life allows you to pay principle down after you pay your payment but Nelnet continues to " push '' my loans out and is doing everything they can to make sure that I do n't pay my principle.
Company Response: Closed with explanation

Timely Response

2017-10-09

Nappanee, IN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I am visually impaired student and their information to have my loans to be discharged I must be in a XXXX and or about to XXXX from my XXXX. That is what the customer service representative told me. I was so frustrated I hung up on them. My loan servicer is Nelnet. I have been calling them for the past month and they are not helping me. I can work but I am having trouble finding a job. Right now I am in school trying to figure out how to get the loan paid off before my parents find out. When I talked to the people who deal with the discharge they told me to go to the doctor and have them fill out a section about my XXXX and they thought that my XXXX just happened and it did not happen right away it happened since I was born.
Company Response: Closed with explanation

Timely Response

2017-10-09

Greensboro, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Nelnet has been reporting negatively on my credit report to XXXX, XXXX, and XXXX. I have gotten my lawyers involved in the matter after I was told by nelnet that I needed a subpoena to get them to resolve the required documents but was advised by the attorneys this is not true. They have failed and refused to show documentation for me being late and i request the inaccurate negative late payments be deleted off my report backed by FCRA law.
Company Response: Closed with explanation

Timely Response

2017-10-09

Kalamazoo, MI

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

2017-10-09

VA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: Forebearance/Cancellation of Debt
Company Response: Closed with explanation

Timely Response

2017-10-09

Paducah, KY

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

2017-10-09

Portland, OR

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

2017-10-09

Columbus, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Please reopen my complaint XXXX as the XXXX 's response to that complaint in unsatisfactory. It is impossible for my monthly payment amount to increase when the principle is declining, the interest rate is fixed and there were no missed payments. I am certain that XXXX lacks the controls to apply my payments incorrectly.
Company Response: Closed with explanation

Timely Response

2017-10-09

NJ

Incorrect information on your report

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

Account status incorrect
Complaint: Within the years of XX/XX/XXXX and XX/XX/XXXX, I submitted a request to be placed in forbearance and or deferment because of my XXXX STUDENT STATUS. The request was received and therefore approved because of the acceptable documentation.
Company Response: Closed with explanation

Timely Response

2017-10-07

Saint Petersburg, FL

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: XXXX XXXX XXXX is currently reporting in XX/XX/XXXX and XX/XX/XXXX that i am paying late on a closed paid account since XX/XX/XXXX, they are reporting lates to XXXX and XXXX currently which just caused a problem with my current job due to it showing deliquients in XX/XX/XXXX and XX/XX/XXXX, i am no longer liable for account and requesting account be deleted corrected asap there should be no new reportings on this account at all, i have received any communications from Nelnet at all, especially adding new entries of late pays in XX/XX/XXXX and XX/XX/XXXX ... i have attached my XXXX report showing Nelnet inaccurate reportings ... .Please remove asap this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....
Company Response: Closed with explanation

Timely Response

2017-10-07

Denver, CO

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2017-10-07

Barnes, IL

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-10-06

Jupiter, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I submitted for my annual recertifiction well before it was due to Nelnet. I have a third party that checks on the status of my account and they indicated that the application was received and currently in process. It was n't until the application was almost expired that I received a notice requesting additional income documentation. When I originally submitted my income driven repayment plan recertification I had not filed my XXXX return as I had filed an extension so I submitted the application with my XXXX return as the application indicates. Nelnet took so long to process my application that I fell out my income driven payment and into the standard payment although it was submitted 2 months in advance on XX/XX/XXXX. I did not file my tax returns for XXXX until XX/XX/XXXX. No Nelnet is requesting that I submit a whole new application because it is too old although it is their fault that it has taken so long. I submitted my XXXX return as soon as I had it and they are making me wait an additional month to process and forcing me to submit another application since I am no longer in my program because of THEIR slow processing. If they would have told me initially to send them a copy of my extension I would have, but the DID N'T tell me ANYTHING until it was too late. They have just been wasting my time and now are putting me in a financial burden for THEIR error. Instead of trying to process my application quickly they have been stalling.
Company Response: Closed with explanation

Timely Response

2017-10-06

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2017-10-05

Appleyard, WA

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

2017-10-05

Gr, MI

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-10-05

College Dale, TN

Written notification about debt

Debt collection: Federal student loan debt

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

Timely Response

2017-10-05

Bayside, WI

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-10-04

Bothell, WA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-10-04

Gr, MI

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2017-10-03

Raleigh, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2017-10-02

MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: In XXXX, some of my federal student loans were serviced by Nelnet , Inc. ( account # xxxxxxxxx ), and some of them were serviced by XXXX XXXX XXXX XXXX XXXX ( account # xxxxxxxx ). I used forbearance time when I needed to, but not always with both servicers at the same time. Thus, I had significantly more forbearance time remaining on my Nelnet serviced loans than I had on my XXXX XXXX serviced loans.. In XX/XX/XXXX, Nelnet acquired the loans previously serviced by XXXX XXXX. On XX/XX/XXXX, I called Nelnet to find out how this would affect me. I was told that all of my loan terms would remain the same. The only change was that my payments would now all go to Nelnet. I was given the amount of forbearance time left on the loans originally held by Nelnet ( called xxxxxx in their system ) as compared to the lower amount of forbearance time left on the newly acquired loans ( called xxxxxx in their system ).. In XX/XX/XXXX, I used up the last of the forbearance time on the acquired loans : xxxx. I still had 25 months of forbearance time left on the original loans : xxxxx. Thus, for my XX/XX/XXXXbill, the acquired loans were no longer in forbearance, and forbearance time was only applied to the original loans : xxxxx. This was expected, as I have always made sure to ask the Nelnet representatives to tell me the remaining forbearance time available for all of my loans, every time I have used forbearance. Not once in the last 2 years has a representative told me that the disparity between forbearance time left on my loans might become an issue.. In XX/XX/XXXX, the forbearance on original loans xxxxx was removed, my bill backdated, and the amount past due skyrocketed upwards. Apparently Nelnet has a policy in place to block the usage of remaining forbearance time on originally held loans if the forbearance time on acquired loans has been used up. Many phone calls all end up with the same answer, it is policy.. On xxxxxxxI filed a complaint with the ombudsman : case # xxxxxxxx.. On XX/XX/XXXX, Nelnet respond by contacting me to explain their policy. I told them that I needed a solution. I told them that I needed to know what I needed to do in order to use my remaining forbearance time. Nelnets representative, xxxxxx, was able to tell me that the available forbearance time on xxxxx is still xx months, but the only way to access it is to pay off the acquired loans xxxxxx in full over $ xxk.. I called the ombudsman back that same day and my case was escalated. I was told to wait 7-10 business days for further contact from Nelnet.. At the end of the 10th business day xxxxxxx I called the ombudsman back to report that Nelnet had failed to provide any further response. The ombudsman representative said that she had heard of this forbearance problem before, the ombudsman office had researched it on a previous complaint, and that they been hit by the same it is policy wall. The ombudsman office recommended that I file a complaint here.. I have contacted the Michigan Attorney Generals office, but they said that they also refer all student loan issue here.. To add salt to the wound, despite my income based repayment plan recertification approval on XX/XX/XXXX, Nelnet has delayed the application of the recertification by 2 months. In XX/XX/XXXX, I called to ask about this. I was told that the recertification could only be applied after I had paid the overly inflated past due balance in full. I pointed out the incongruity of this statement with the fact that Nelnet HAD applied the recertification to my XX/XX/XXXX bill. I could not get a reasonable answer as to why the recertification could not simply be applied to my past due XX/XX/XXXX bill, as my recertification was approved before my XX/XX/XXXX bill was delinquent, or even my then upcoming XX/XX/XXXX bill.. The only option left, that I qualify for, is to consolidate everything into a new loan. Nelnet is trying to force me into this option early, thereby waiving, losing, and simply throwing away my remaining xx months of forbearance on groups xxxxxx I should not have to do this now. I should be able to finish using my remaining xx months of forbearance on groups xxxxx FIRST. Furthermore, why would I trust them to honor the new forbearance on a newly consolidated loan if they can outright rob me of my existing forbearance rights with financial trickery?. This is wrong.. Had my XXXX XXXX serviced loans never been acquired by Nelnet, I would not be blocked from using my remaining xx months of forbearance on groups xxxxx. This significant detail is proof of the adverse effect that their actions, and their actions alone, have produced. Student loan servicers are not supposed to be able to harm federal student loan borrowers through acquisitions and financial trickery. Not only does Nelnet do it, they apparently do it often enough to have a policy. A POLICY. Merely instating a policy does not make it legal or not harmful. Please tell this to Nelnet. If the policy is simply being misapplied, someone needs to fix the process. If this policy is real, please get them to stop this harmful policy. Please help.
Company Response: Closed with explanation

Timely Response

2017-10-02

Lewiston, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: My monthly payment is set up on auto pay, in addition to that payment I 've been making principal payments to the loan and requesting that the due date not be advanced. However, the due date was advanced anyway and is currently XXXX 2018. I have contacted Nelnet twice in regards to this, the first and second week of XX/XX/XXXX and have not received a response back. This is not the first time this has happened to my account, the mistake to the payment application or Nelnet 's complete lack of response to my inquiries.
Company Response: Closed with explanation

Timely Response