NELNET, INC.
Consumer Complaints
There are over 3518 complaints on file for NELNET, INC.. Dated between 2019-12-10 and 2012-03-07.
Complaints Page 85
2017-09-22
Auburn, WA
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2017-09-21
Desert Hot Springs, 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
2017-09-21
Washington, DC
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
2017-09-20
Columbia, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2017-09-20
GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: I attended school online via XXXX University as well as XXXX College from XX/XX/XXXX-XX/XX/XXXX. At the time I was unaware that my high school diploma was from an unaccredited school. I contacted my loan servicer to make arrangements to pay back my loans which are totaled at {$48000.00}. I received a letter from a debt collection agency stating they 'd purchased my loans from the Department of Education. I contacted the Department of Education once again on XX/XX/XXXX to make arrangements to pay back my loans but was redirected to the debt collection agency and no one answered so I left a voicemail. These student loans are updating monthly showing a negative status and impacting my ability to purchase a home and I am unable to contact anyone to make payments or arrangements to bring the loans current. These loans have also affected my ability to gain employment which is kind of contradictory. If I ca n't get another job due to these loans, how am I supposed to pay them back? I 've tried for months to contact someone with no response.
Company Response: Closed with explanation
2017-09-20
Beryl, AR
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Closed with explanation
2017-09-20
Jacksonville, FL
Took or threatened to take negative or legal action
Debt collection: Private student loan debt
Threatened to sue you for very old debt
Company Response: Closed with explanation
2017-09-20
Flushing, NY
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
2017-09-20
Oxford, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I would like Full Validation on my parent student loans. How much is owed. Where was the money applied to and why are there extra charges.
Company Response: Closed with explanation
2017-09-20
Effingham, KS
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. Included in the bankruptcy on, Official Form XXXX XXXX were three student loan amounts held and/or managed by XXXX XXXX/Nelnet : {$10000.00} Nelnet Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX- Last ActiveXX/XX/XXXX {$310.00} Nelnet Claims XXXX XXXX XXXX XXXX NE XXXX Opened XX/XX/XXXX - Last Active XX/XX/XXXX {$330.00} Nelnet Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX Last ActiveXX/XX/XXXX Total of Nelnet loans {$11000.00} The above were included on the Matrix of Creditors in aformentioned Bankruptcy filing submitted to the court on XX/XX/XXXX
*** According to Official Form XXXX ( For Individuals or Joint Debtors ) Notice of Chapter XXXX Bankruptcy Case No Proof of Claim Deadline : " Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk 's office within the deadlines '' Dates : Meeting of creditors - XX/XX/XXXX at XXXX XXXX - No representative from Nelnet/XXXX XXXX XXXX attended the meeting Presumption of Abuse - Deadline to object to discharge or to challenge whether debts are dischargeable : Filing deadline :XX/XX/XXXX Deadline to object to exemptions : Filing deadline : 30 days after the conclusion of the meeting of creditors Deadline to object to intended abandonment : Filing deadline : 75 days after the conclusion of the meeting of creditors *** According to the " Certificate of Notice '' Form ID : XXXX - Notice by first class mail was sent to Nelnet by the Bankruptcy Noticing Center on XX/XX/XXXX.
A discharge was granted by a United States Bankruptcy Judge *** Nelnet/XXXX reported to all three reporting agencies that the balance on the three Nelnet/XXXX loans was {$0.00}, they were discharged in Chapter XXXX Bankruptcy, and " Closed - Derogatory ''.
The reports reflected this status for multiple months. During the same months, no statements for any loan are available. I inquired about the statements when I discovered the three student loans had reappeared with a balance on my credit report.
+++ I have had discussions with Nelnet, XXXX XXXX XXXX XXXX, and the three credit bureaus. Nelnet has given me the runaround and says to check my statements. There were, however, no statements for the months that the loans showed up as Closed {$0.00}. I requested from Nelnet that they provide all statements for the year ofXX/XX/XXXX.
The request was denied through an email that literally said " ... your request has been denied ...
I was unable to get any explanation as to why they would n't send the statements.
The same as above is true for XXXX as well.
One of the other credit reporting agencies, XXXX I believe, did follow up on their investigation and stated the erroneous information had been removed and my report changed to reflect Closed {$0.00} for the most expensive loan.
I 've tried several times to communicate with all involved parties and have gotten nowhere I have additional information if needed Thank you XXXX
Company Response: Closed with explanation
2017-09-19
Coalinga, CA
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Complaint: First off, I want to note that I am " escalating '' this to the level of the CFPB immediately as it is directly related to a claim I had to make in ~XX/XX/XXXX-XX/XX/XXXX that ( I 'm finding now ) was incompletely resolved.
My loan with XXXX entered repayment on roughly XX/XX/XXXX. I signed up for automatic payments on XX/XX/XXXX for which I have email confirmation, including that my first automatic debit would take place on XX/XX/XXXX ( the day the bill was due ). The first bill, however, was for {$50.00} ( more than the minimum I owe each month ) with a {$30.00} late fee assessed. When I asked the company how I could possibly have a late fee assessed on my very first bill generated from them, they actually responded by telling me that they do not assess late fees. When I pointed out the irony of this situation, they insisted that it must be that I had made an underpayment -- until I got them to actually lay eyes on the bill that very clearly labels this extra {$30.00} as a late fee. Finally, I got someone to review the account to determine the origin of this late fee. The first person I spoke to reviewed everything he had -- dating back to XX/XX/XXXX -- and could not find any source of the late fee. Instead of dismissing it, he said he would have to file a case to put it under review. Apparently they tried to contact me some time later, but I do not have record of that contact. In the mean time, I began receiving up to 5 phone calls a day telling me I was delinquent in payments. Today, I finally got someone to review the " investigation '' and she told me that I had late fees assessed ( I believe ) in XX/XX/XXXX and XX/XX/XXXX. In fact, I was still a full time student during that period.
The way this relates back to a previous claim I have made is that around that time I briefly transferred schools to complete a XXXX XXXX degree " in the middle '' of my XXXX education. In that process, my name was somehow deleted from the national registry of students and all my loans entered repayment at once and began to be harassed literally all day long for repayment having to recount my story at least 5 times per day to deaf ears. It seems to me that this late fee must have been assessed at that time and was never reversed when my case was first handled.
Company Response: Closed with explanation
2017-09-19
IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: In XXXX, I was contacted by telephone the caller saying he was collecting a student loan of {$750.00} that I owed from XXXX. He was brutal in his language and demeanor. He said the loan had accumulated over {$5000.00} in interest. I had never been contacted before regarding student loan debt and believed that all of my loans were satisfied. This groups passed my account back and forth between collection agencies XXXX name only XXXX located in Texas. I was quite ill at the time. I asked for proof of the debt and they refused and threatened to garnish my social security - my only source of income. My doctor provided information to them about my XXXX and their doctor confirmed it ; however, they insisted that I sign an agreement to pay. I signed with a statement that it was under duress. They refused to accept it that way and so I signed and sent a letter saying it was under duress. That letter is missing from my file. Since then they have garnessed my social security several times. Finally I was just granted a deferrment from the DOE but this collection agency still reports the loan has XXXX missed payments. I never agreed to payments and have notified them several times that this information is false.
Company Response: Closed with explanation
2017-09-19
Norwalk, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: Ive be paying my student loans on and off for years, Ive been in deferment, forbearance and I even defaulted. I rehabilated my loans with what was a large sum of money for me at the time And I have consolidated my loans. I do n't understand how my loans have exponentially grown. Ive been dillegent now for years paying {$500.00} + per month. Still not back to what they call my original loan amount. It may just be the way the student loan debt. Business works, I may be taken advantage of, or likely both. Or maybe something wrong is going on?
Company Response: Closed with explanation
2017-09-19
Franklin Lks, NJ
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2017-09-19
Auburn, WA
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt was paid
Company Response: Closed with explanation
2017-09-19
Arlington, VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2017-09-19
Louisville, KY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I started paying back my student loans sometime last year and I was eligible for forgiveness on the loan but was not informed from the company my loan is through ( Nelnet ). A different company contacted me and told me I was eligible and told me that nelnet should have contacted me about the forgiveness. They told me I could file against them
Company Response: Closed with explanation
2017-09-19
Newnan, GA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I am writing in regards to my stay at XXXX XXXX University. I became aware of XXXX XXXX in 1999, I received flyers and calls form the school on a weekly basis. I requested information from the admissions XXXX XXXX XXXX at the time. He gave me to one of the admissions reps to work with by the name of XXXX XXXX. I spoke with her on many occasions and she was telling me what a great the degree program recording arts was. I always had a dream to be in the music industry. At the time I was working XXXX XXXX XXXX.
I had a simple life and was developing a nice nest egg through my 401k. I started receiving calls from XXXX XXXX and they would talk about the school and how beautiful the XXXX area was. I was told this was a degree that was flourishing and that I would be able to make a great living at it. After receiving multiple calls from them with this painted picture over the course of a year. I believed this was a prayer being answered, I come from a small town and thought this was a way out of working in a plant my entire life. She and I talked about the cost, but she told me how great the return was and how the students eventually end up working in major studios with stars in the industry. This was great opportunity for a guy who had big dream.
At this point my mom and I got in the car and visited the campus and boy was it impressive. The presentations were awesome and would make you want to sign on the dotted line immediately. We went back home and we discussed how we could make it work because the tuition was very expensive but they stated the return would be great. I spoke with the admissions rep and they transferred me to financial aid, where my mother and I took out loans and my mother co-signed so that I could attend. I previously stated that I had a 401k, at that time I was told by XXXX XXXX that I would have to get an apartment because I would not be able to work while attending school because of the crazy hours. So I cashed out my 401k and ventured out to bigger dreams. This is where the downward spiral began.
I had an apartment, bills came in and I had to get additional loans for living expenses. Through all the struggles, late nights and disappointments I still graduated unfortunately with a lot of student loan debt. At this point it was time to find a job, during the admissions process they promised job placement assistance but all they were able to produce were unpaid internships that I only heard horror stories from other students about. One of the biggest things from the government was gainful employment, they still to this day fail in this area across the board.I dont understand how this program can still be offered with the years with poor outcome. I was in such a money crunch, I could not do this so I moved, the school had such a bad rep for being a degree mill I couldnt find work. I had to move in with my brother, file bankruptcy and lost everything.
I found myself back in an industrial plant, right where I started. I struggled for years and still to this day are harassed even while unemployed to pay their loans back, I was not able to find gainful employment at all till I went back to school and achieved my XXXX and XXXX XXXX in XXXX. Today, I am still paying on the XXXX XXXX private and federal loans that my mother and I took out. I am asking for forgiveness for these loans as my mother and I were misled during the entire process, the dreams the XXXX XXXX admissions team promised were unethical and they are unfair deceptive practices. XXXX XXXX University is a for-profit college and all they care about is the money from the federal government. I honestly think that I was wrongfully done by a predatory lending scheme. Currently I am in over 140k in students loans because of this, I seek a forgiveness.
Kind Regards,
Company Response: Closed with explanation
2017-09-19
Heath, TX
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2017-09-19
Maynard, MA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2017-09-18
Berthoud, CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2017-09-18
Detroit, MI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Nelnet hit my credit with reports of being 30/60/120 delinquent on payments I never received notice about via mail or telephone.
Company Response: Closed with explanation
2017-09-18
FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: In XX/XX/XXXX, my ex-husband and I consolidated our student loans and I was designated the primary loan holder. In XX/XX/XXXX, I divorced my ex-husband and asked Nelnet, our student loan servicer to separate the loans. I was told that the loans were inseperable and that I was responsible for the the entire amount because the consolidation contract superceded any other legal documents. In XX/XX/XXXX, I applied for dismissal of my student loans based on my XXXX XXXX XXXX XXXX. I was told by the loan servicer at that time that the loans could not be separated, so I would have to file for the entire amount and then be responsible for the taxes on the loans forgiven to the IRS. I recieved a letter showing that the dismissal was granted in the entire amount, pending a three-year watch period. The the following month-XX/XX/XXXX, I started recieving bills for my ex-husband 's portions of the loans. Thus the nightmare began. I have recieved phone calls, letters, and have had my credit ruined by Nelnet because my ex-husband refuses to pay the loans. I have repeatedly asked over the phone what the monetary amount was forgiven, but at that point the caller usually stammers and tells me that they will find out and that I will recieve a letter in the mail -- none have arrived. I have also not recieved the official tax documents that I was told would be forthcoming. Nelnet has also reported an incorrect address to the big three credit report bureaus -- I live in Florida, the new address is for an appartment complex that I lived in from XX/XX/XXXX-XX/XX/XXXX, but the apartment number is incorrect. They have also asked my current husband over the phone to pay my ex-husband 's student loans. I am on Social Security XXXX and can not afford to pay these loans, but I am told that as a co-signed on my ex-husband 's student loans that I have no recourse. I am beyond exasperated with Nelnet.
Company Response: Closed with explanation
2017-09-18
Phoenix, AZ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I took two loans out inXX/XX/XXXX. One was subsidized and one was unsubsidized. I have paid off the unsubsidized loan.
Subsidized loan {$4500.00} ( currently have {$600.00} in interest accrued totaling at {$5100.00} ) Unsubsidized loan {$2000.00}XX/XX/XXXX - XX/XX/XXXX - First ( Freshman ) year at XXXX, XXXX XXXX UniversityXX/XX/XXXX XX/XX/XXXX - Second ( XXXX ) year at XXXX XX/XX/XXXX -XX/XX/XXXX - Third ( XXXX ) year at XXXXXX/XX/XXXX -XX/XX/XXXX Fourth ( XXXX ) year at XXXX I took two semesters, Fall and Spring, at XXXX, XXXX XXXX XXXX XXXX I have always been enrolled as a XXXX XXXX XXXX. Full time is 9 credits or more.
Since graduating from XXXX, in XX/XX/XXXX, I have been back and forth between Nelnet and XXXX regarding my subsidized student loan. The subsidized loan has been accruing interest since the day I pulled it out, inXX/XX/XXXX.
I called Nelnet in early XX/XX/XXXX to discuss the problem at hand. Nelnet had told me that XXXX inaccurately reported my enrollment status and the reason I had started to gain this interest from XXXX is because I took too long to finish my degree. I was not given any specificities. I was told to send in my enrollment verification ( see attached ) from XXXX to prove that I started and finished in four years.
About four weeks after that, I had called back to confirm that they received my enrollment verification from XXXX. They indeed received it but I was told that this will not prove or solve anything. ( Why was I instructed to submit it in the first place? ) Nelnet told me that the problem still remains on XXXX end and now XXXX needs to update something in the National Student Loan Database ( NSLDB ), in order for Nelnet to remove the interest. I was instructed by a Nelnet supervisor to specifically ask why I lost my subsidy. My lost subsidy is reflecting on Nelnets end, per NAUs reporting, and apparently that is why my interest has been accruing.
The next day, I call XXXX. I speak with a supervisor by the name of XXXX XXXX and explain to her my problem. She contacts the team in charge of student loans and sends me an email with their findings. I am back in touch with XXXX XXXX and she tells me that I did not lose my subsidy, but can not prove that in anyway besides verbally to me. XXXX tells me that XXXX can not access or update anything in the NSLDB. XXXX suggests that I speak with the registrar at XXXX about my dates reporting incorrectly in Nelnets system. However, there would be nothing for them to update because, according to her, everything is correct and in order on the XXXX side of things. XXXX also advises me to speak with XXXX regarding this problem.
A few days after that I call back to Nelnet to relay the message from XXXX. The supervisor I spoke with tells me that schools can absolutely access the NSLDB and the fact that I went to XXXX for one year makes no difference in my interest accruing incorrectly because it is XXXX that is reporting inaccurate information.
No one seems willing to help and are very quick to place the blame on the other party.
Calling back and forth is getting me nowhere. It 's hard for me to believe that this is a unique problem that is not able to be solved.
- The attachment that is a screenshot of an email titled Thanks For Submitting Your Request, was sent to me on XX/XX/XXXX. The email said I will hear back from Nelnet 15-20 days later. It isXX/XX/XXXX and I have heard nothing.
Company Response: Closed with explanation
2017-09-17
Columbus, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I recently learned that my credit score dropped by 53 points due to my student loan having late payments. The problem with this is that I was on an income based repayment plan and had a {$0.00} payment due. No one has notified me that this expired or changed and now my credit report says my payment is behind 120-149 days. I do n't know who to contact to update my income information. I had a XXXX in XXXX 2017 and have been out of work since XXXX 2017 since before that I was working from home. Can someone reset my {$0.00} payment? Can I be contacted by mail since I have not gotten any other contact and so I can be sure to not miss it?
Company Response: Closed with explanation