NELNET, INC.

2019-09-13

La Tuna Canyon, CA

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-09-13

Galena, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XXXX XXXX XXXX closed for committing fraud on peoples loans. They were overcharging and pocketing the money. I was lied to by admissions staff and I feel like I was taken advantage of.
Company Response: Closed with explanation

Timely Response

2019-09-13

Co Spgs, CO

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

2019-09-12

Bronx, NY

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: Account ready paid. More than 5 years affect my credit score. That accounts ready remove from my XXXX report but not my XXXX and XXXX report. That fair that account paid still affect my XXXX and XXXX report. I will like to removes this accounts completely from all my 3 report credit.Thank you for you help
Company Response: Closed with explanation

Timely Response

2019-09-12

Reed City, MI

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

2019-09-12

Manteca, 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

2019-09-11

New Windsor, NY

Fraud or scam

Money transfer, virtual currency, or money service: Debt settlement

Company Response: Closed with explanation

Timely Response

2019-09-10

Macon, GA

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Complaint: Nelnet has incorrect data on its website, letters, and has failed to report accurate data to CRA's. When questioned about these Acts with discoverable files from XXXX, XXXX and XXXX Nelnet denies any wrongdoing. Nelnet has engaged in willfully negligence practices. Nelnet has violated Federal and State ethics Laws. Nelnet has used predatory defamation tactics by failing to act and disturbing the trust of the federal system of government. Nelnet willfully violated an Open Records Request violating state and federal law. Nelnet engaged a borrower with the intent to defraud by using DOE seal letters in conversations. Nelnets Failure to preform a reasonable investigation constitutes legal action under the FCRA, Section 616, for willful non-compliance by CFPB and FTC and any other Government Agencies impacted or with purview over this matter. FCRA Violations: FCRA 660 and 643 by failure Failure to Respond to FCRA 616 Nelnet has WILLFULLY VIOLATED FCRA SECTION 623 Items Requested were not given to consumer in a timely manner. Collusion and attempt to defraud: After Multiple Acts of Negligence The CFPB recommended contacting US DOE in Case XXXX. Contact with US DOE was answered by Nelnet and not US DOE. This is a blatant conflict of interest and US Department of Education is now liable and a Co-conspirator Under the federal conspiracy statute: The agreement by two or more persons is the essence of the crime.The co-conspirators must agree to commit a federal crime or to defraud the United States or any federal agency in any manner and for any purpose. Nelnet and US DOE have by failure to act defrauded the US Government by failing to abide by Federal Standards Regarding Negligence and FCRA guidelines. Precedent to substantiate all claims made: Nelnet has now shown a history of Negligence by not providing accurate and timely information to an account holder under FCRA guidelines. This precedent of Negligence shows that Nelnet is incapable of handling this account in a manner consistent with Federal Regulations and State Laws. Failed to respond to all FCRA 660 and 643 Request in CFPB Complaints XXXX XXXX Failure to Respond to FCRA 616 in CFPB Complaints XXXX XXXX Nelnet has WILLFULLY VIOLATED FCRA SECTION 623 Items Requested were not given to consumer in a timely manner. Nelnet violated State and Federal negligence laws willfully by standing behind those denials in previous CFPB complaints. Nelnet has failed to provide information as required under FCRA 660 or 643. Nelnet provided incorrect information on a CRA for 1 year after multiple CFPB complaints and stood by and said it had done nothing wrong. Then why was were CRA changed after a dispute with XXXX proving Nelnet had neglected to provided Accurate information? Nelnet has never answered this question. Nelnet has never provided proof it sent information to CRAs according to Federal Regulations. Nelnet has been notified and failed to provide information under FCRA 660 and 643 guidelines and is in Violations of State and Federal laws concerning negligence by ignoring these guidelines and there respective calls for timely responses and accuracy. Particularlly, concerning section 3 and 4 "(3) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611(a)(1) of the Fair Credit Reporting Act (15 U.S.C. 1681i(a)(1)) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and (4) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate" Failed to Respond to open Records Request In Case XXXX Nelnet failed to respond to an open records request violating State and Federal Laws. Nelnet has continually refused comment reciting previous messages and emails that were not completed in full so this is not surprising. This has now become intentional negligent behavior. Nelnet has WILLFULLY VIOLATED FCRA SECTION 623 by Not providing information as requested and not giving information to account holder either accurately, infull or not at all. Please provide the following: 1) All information and correspondence with US department of education under the Open Records Act concerning the admin Forbearance as it did not follow protocols and protections set in place by US Federal Code 682.211 Forbearance. 2) Information concerning illegal interest reported to CRAs while loan was in Admin Forbearancewithout signed notice from borrower under 682.211 Forbearance AND ADMITTED TO IN CFPB case XXXX 3)Proof of Debt for all Loans persuant to all rules in FCRA 623 4) Proof of submission of correct information to CRAs from Nelnet to CRAs from XX/XX/XXXX_XX/XX/XXXX under Open Records Acts pertaining to 3rd party contractors who work as officials of a Govt Service 5) Verification of Security protocols surrounding PII from XX/XX/XXXX-XX/XX/XXXX where personal data was likely compromised Appendix A ) Precedent of Negligence and Willfull misconduct by Failure to provide information according to FCRA 623 FCRA ISSUE XXXX XXXX Submitted to the CFPB on XX/XX/XXXX Information Submitted with this complaint Nelnet admitted no wrong doing on the above case However: The Exact Same Case was submitted to XXXX on XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Found there was an issue yet Nelnet still believed no wrong doing FCRA ISSUE 2 +ECOA ISSUE XXXX Submitted to the CFPB on XX/XX/XXXX Nelnet is clearly negligent by Referencing a Case that has nothing to do with the compaint received and in the original case. There is no information concerning the missing data. Clear negligent Behavior by NELNET and a violation of State and Federal Law Screenshot that was attached case XX/XX/XXXX and sent to Attorney Generals office shows XXXX Requested information. This information was never sent back. Due to Lack of response XXXX Deleted the information yet Nelnet still implies no Wrong doing in future CFPB responses and letters to account holder. This behavior is negligent behavior at best or intentionally malicious at worst. FCRA ISSUE 3 Not providing Validation of Debt Within 30 Days by Law + Innaccurate Information Predatory Loan Practices Under FDCPA XXXX Submitted to the CFPB on XX/XX/XXXX Response They did not adress any of the issues brought up and note "We are not your lender, the Department of Education is your Lender" FCRA VIOLATION #4 Failure to provide information in a timely manner Failure to report accurate information to CRA's Accuratly I want you to Pay Very Close Attention Here So Refer back up to FCRA ISSUE 3 where Nelnet responded on XX/XX/XXXX. So in XX/XX/XXXX Validation of Debt was asked for, By Law its due to the requestor by 30 days. Nelnet did not sent verification until XX/XX/XXXX which is far past the 30 day Window and clearly negligent and a violation of FCRA guidelines. This can be proven by review of XX/XX/XXXX when Nelnet was aked for a second time and responded to intial response therby violating FCRA Guidelines on XXXXXX/XX/XXXX Submitted to the CFPB on XX/XX/XXXX.They did not send verifcation until XX/XX/XXXX that was due 30 days out in XX/XX/XXXX. They failed to send valid information in a timely manner. They failed to provide accruate inforamtoin to CRA's. It was attached to Credit Report Incorrectly and evidence was provided to Attorney General and CFPB that is was still wrong as of XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-09-10

Fort Lauderdale, FL

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

2019-09-10

Blue Mound, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-09-09

Bronx, NY

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: I comommunicate to you because i have problem with Nelnet loan service Inc. The problem is the account already pay long time ago. Nelnet still have the account negative in my credit report. They have the account 120 days past due. And term monthly XXXX. I duspute with XXXX that account and still negative. It no fair that account have more than 5 years affect my credit score it already paid. The reason i paid that account to fix my credit no to affect my credit.please help me to remove from my credit report.
Company Response: Closed with explanation

Timely Response

2019-09-09

Tampa, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-09-09

East Rockaway, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I attempted to pay a Nelnet loan group in full on XX/XX/2019. I tried to pay by debit card but Nelnet said that my account number on file was sufficient. Several days later, the payment wasnt processed and declined. I called Nelnet to make the payment by debit card and the debit card was declined. I increased my debit card limit to pay the loan group successfully and I call Nelnet again and they said it is US Department of Education/Nelnet policy not to let me make a payment more than {$2000.00}. Im begging for Nelnet to accept my payment so I dont accrue any further interest in this loan group. This is sadism.
Company Response: Closed with explanation

Timely Response

2019-09-07

S Charleston, WV

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

2019-09-07

Clarksville, MO

Incorrect information on your report

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

Account information incorrect
Complaint: FIRSTMARK/XX/XX/XXXXXX/XX/XXXXaddedremarksas"affectedbynaturaldisaster''onmyaccountthoughI'mnotaffectedandI'mmakingon-timepaymentstilldate.Idisputedthisremarkwiththebankthroughbureausbuttheyreturnedbackthisremarksasaccurate.
Company Response: Closed with explanation

Timely Response

2019-09-06

Seneca, SC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Nelnet student loan taken out in XXXX has been paid in a timely manner. In XX/XX/XXXX, Nelnet changed the personal account name and dob on the account from xxx to XXXX XXXX. I contacted Nelnet and they said it was XXXX XXXX College erroneous information. Nelnet changed the account back to xxx and corrected their records. Today, XX/XX/XXXX, the same thing has happened. Nelnet is trying to file an inquiry with XXXX XXXX College to fix the issue. However, my concern is student loans are being taken out using xxx social security number and thus is incurring someone else 's debt.
Company Response: Closed with explanation

Timely Response

2019-09-06

Lafayette, LA

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

2019-09-05

CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I filed my annual pay as you earn re-certification application in XXXX. My husband and I file married but separate. My husband filled out the proper information requested in the application. I received a notification stating my monthly payment increased from {$140.00} per month to {$290.00} per month. I was unable to pay this, I file a recalculation request. I received a notice stating my monthly payment was now {$330.00} per month. I was unable to pay this and I submitted another recalculation request and then my monthly payment was now {$340.00} per month. I was unable to pay this and submitted two more recalculation requests, both requests returned with {$330.00} per month. After numerous calls and discussions with various representatives with Nelnet, every time a representative calculated the monthly payment with me over the phone my average monthly payment returned to {$160.00} per month. I spoke with a supervisor on XX/XX/XXXX between XXXX and XXXX PST, I was told that my husbands information is not calculated when recalculating my average monthly payment. Then I was told the reason why the recalculation initially returned at {$290.00} per month was due to an error within the calculation team. I was then told I had only two options, go in forbearance or apply for a different repayment option which I can only do once in during the entire life span of my loan and for only a time span of 12 months. This option allowed me to pick my monthly payment amount. I do not feel comfortable doing either. After requesting they lower my monthly payment, I was denied. I have submitted recalculation and supporting documents every single month since XX/XX/XXXX except XXXX. Not until today was I told that my husbands information was not considered, that my filling separate was moot, that I had could choose to go into forbearance or use my only opportunity during the entire life span to choose my monthly payment, that the original {$290.00} was an error, and that the representatives were calculating wrong every single time I spoke with them on the phone. At every turn, every single representative that I spoke with gave me contradicting information. No one knew how to calculate any of the information. I was told in XX/XX/XXXX that the reason why my monthly payment was high was probably because they did not access my husbands information and to which I was told to have my husband sign my application. Then I was informed that they will access his information and my monthly payment will be lower. I am on a Pay As You Earn Plan, with this plan my husband 's information should be calculated. But Nelnet is NOT including my husbands information when calculating my monthly income. This was confirmed by Nelnet on XX/XX/XXXX. They confirmed that the reason my monthly payment was {$330.00} was due to the fact they do not and will not take my husbands information into consideration. When calculating my monthly payment on Repayment Estimator via the Federal Student Aid website, my PAYE amount per month is {$290.00}, but based on the information provided by Nelnet, this is incorrect.
Company Response: Closed with explanation

Timely Response

2019-09-05

Wonder Lake, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XXXX XXXX University extended my pervious student loan without my permission/approval. I am no longer a student at XXXX XXXX University. I attended XXXX University, however XXXX University can not obtain my student loan funding, due to the fraudulent actions of XXXX XXXX university. Nelnet is my student loan facilitator. I contacted Nelnet, however they would not rectify the issue.
Company Response: Closed with explanation

Timely Response

2019-09-05

Hendersonville, 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

2019-09-05

Ontario, CA

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

2019-09-05

MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Hello, I submitted an income-driven repayment plan to Nelnet on XX/XX/XXXX. When I called to check on the status of the application and the amount I would need to pay the first month I was told that I needed to request a deferment to avoid paying the standard amount. This information was incorrect as the loan was supposed to be placed on an administrative forbearance while my application was being reviewed. This resulted in {$11000.00} being added to my principal balance on XX/XX/XXXX despite qualifying for the income based repayment plan I submitted an application for. Again in XXXX I submitted my recertification application to Nelnet on XX/XX/XXXX and on XX/XX/XXXX Nelnet incorrectly capitalized accrued interest in the amount of {$3500.00} to my account despite being on and qualified for an income based repayment and not requesting any kind of deferment or forbearance. On XX/XX/XXXX I submitted my documentation and application for recertification of my income driven repayment plan and on XX/XX/XXXX I was notified Nelnet incorrectly capitalized interest to my principal balance in the amount of {$2600.00}. I reached out to Nelnet on XX/XX/XXXX to let them know I did not request any deferment nor did I receive any notification that a forbearance, deferment, or six-month grace period would end soon and that accrued interest would be capitalized. My message was responded to with an email asking me to call them during business hours. This issue was not resolved before my loans were transferred to myXXXX due to my application for loan forgiveness.
Company Response: Closed with explanation

Timely Response

2019-09-05

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2019-09-04

Arden, DE

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

2019-09-04

Jefferson, NH

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response