NELNET, INC.

2017-07-24

Lexington, NC

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

2017-07-24

Beverly Manor, IL

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

2017-07-24

Shulerville, SC

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I attended XXXX XXXX XXXX college located in XXXX, s.c. i applied for student loans to pay for my college courses during my duration of attending there. I thought i was being over charged for the amount and cost to attend XXXX XXXX. After borrowing student loans and upon graduation, we were told by the college that the XXXX XXXX program was not accredited. I was in the first graduating class of this program but upon admission, i was never told that the college was not accredited. Many funding dollars were taken from students but the college was not accredited. To this date i have been struggling to pay back over a {$23000.00} student loan from 14 years ago. Upon graduation, our class was never instructed how to obtain a certification in our degree program. Another complaint is the student loan servicer, first it was nelnet, then XXXX and now XXXX. A lot of changing hands in the student loan accounts, dont know if statements are accurate of balances.
Company Response: Closed with explanation

Timely Response

2017-07-24

Spring Hill, FL

Problem with a credit reporting company's investigation into an existing problem

Student loan: Federal student loan servicing

Investigation took more than 30 days
Complaint: I have tried to resolve a credit dispute with Nelnet for the past four months. I sent my last letter to Nelnet on XX/XX/XXXX addressed directly to their CEO XXXX XXXX, and I have yet to receive a response to that letter. I am writing today in response to Nelnets response to a complaint I filed with the CFPB, claiming that Nelnet violated FCRA requirements by not responding timely to a credit bureau dispute I submitted to Nelnet on XX/XX/XXXX. I am hoping you can help resolve my issue. On XX/XX/XXXX I filed a credit reporting dispute through Nelnets website, disputing past due payments reported on my credit report last year. On XX/XX/XXXX , when I did not receive a response to my credit dispute from Nelnet, I submitted another credit reporting dispute through Nelnets website requesting that Nelnet remove any negative credit reporting because they violated FCRA dispute requirements. I saved a copy of both confirmations I received through Nelnets website, although I have to say their website provides very generic confirmations, which is why I print-screened to save the confirmation pages. In a letter dated XX/XX/XXXX from Nelnet, Nelnet denied any credit reporting inaccuracies and refused to remove any negative credit reporting. I then submitted a complaint to the CFPB because Nelnet failed to comply with FCRA dispute requirements, as Nelnet did not respond to my XX/XX/XXXX complaint within 30 days. Nelnets response to this CFPB complaint was that Nelnet did not receive a XX/XX/XXXX credit dispute, which is completely false. I have a copy of the confirmation page from Nelnets website, time/date stamped, from both occasions where I submitted a credit dispute. Included with this complaint are : - screen printed copy of confirmation I received from Nelnets website for my first credit dispute submission on XX/XX/XXXX, which Nelnet never acknowledged or responded to ( Nelnet claims they did not receive a dispute from me on this date, however, I have proof from their site that I submitted the dispute ) - screen printed copy of confirmation I received from Nelnets website for the second credit dispute I submitted on XX/XX/XXXX I am demanding that Nelnet eliminate all negative credit reporting in my credit file based on Nelnets violation of FCRA requirements. If this does not occur, I will contact my attorney to pursue further actions.
Company Response: Closed with explanation

Timely Response

2017-07-24

Oxford, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: The company ( Nelnet ) excludes the group loan from your homepage when you have " paid it off. '' However, there was still interest left on the account and they did not issue me a bill or anything telling me there was interest left. When I found it and called they said this was their process and that " Do n't worry about my credit report. It would n't show default for several months. '' The payment was made by the military under a student loan repayment plan so I was unable to tell how the money used for each loan. They applied it to the lower interest loans in order to receive more money from me in the long term with interest.
Company Response: Closed with explanation

Timely Response

2017-07-24

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Nelnet started servicing my loan earlier this year. At the same time, I became convinced that I am eligible for the Public Service Loan Forgiveness Program. So I called their customer service and inquired about how to apply. I was told that first I need to consolidate my loan and then apply for loan forgiveness. However, the application will take effect the day it is accepted and not retroactive. It is very unfair that I 've been a public servant for seven years making regular monthly payments since XX/XX/XXXX, and my application will only be considered going forward. I 've been inquiring about PSLFP since XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2017-07-24

Catatonk, NY

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

2017-07-24

Reidsville, NC

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

2017-07-22

Manhattan, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2017-07-21

Allentown, PA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have to continuously have my loan payment allocation corrected by calling or emailing customer service for XXXX XXXX. I have decided to end my auto-debit to see if that would make the payment easier, but it 's worse. Without auto-debit I have no way to schedule payments ahead of time, there is no option for scheduled payments with manual payments. I also do not have an option to have my extra payments go towards my principal loan balance. These extra-payments either advance my due date or go towards the next month 's payment. I have repeatedly told them in both emails and phone calls that I do not want my payments applied this way. This does n't seem to help, I still have to call and email to have it fixed. This was not a problem until XXXX transferred my loan to XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-07-20

Cooper City, FL

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

2017-07-20

Gretna, LA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I am an XXXX. XXXX are eligible for loan forgiveness. I was never given the option and I always had to ask about that option just to be denied. I have had a hardship request denied, also. I always forced into forebearance or consolidation which led to more debt. I ca n't buy a house because of this. My student loans have made my credit score so low.
Company Response: Closed with explanation

Timely Response

2017-07-20

Cocoa, 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

2017-07-19

San Antonio, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: In XXXX, I received an unsolicited, pre-formatted application for student loan forgiveness ( based on XXXX ), from my student loans third party servicer. The form requested that I affix my signature to it if I wanted to have my student loan forgiven. The pre-printed statement on the application stated that : they had received information from the Social Security Administration indicating that I was XXXX. The letter stated that I DID NOT NEED a doctors verification of my condition because my condition had already been verified. I signed the letter but, clearly, informed the loan servicer that I still had two more semesters to complete before I had no further need for requesting additional loan funds. After a week, I received an email stating that my application for student loan forgiveness had been denied because I had taken out additional student loans in violation of some undisclosed rule which was based on some undisclosed end-date after which XXXX applicants were not allowed to apply for any more student loans. On a follow-up inquiry, I found that the loan servicers had, somehow, obtained an outdated address and financial information on me ( over 25 years old ) even though the address on my actual student loan documentation is current. This makes me believe that the third-party servicers are data-mining XXXX student profiles to bait and then disqualify loan forgiveness applicants so that the servicer can then charge the Department of Education additional fees for servicing a second-tier application process for loan forgiveness based on XXXX. When I contacted the loan servicer, on 3 subsequent phone calls, the customer contact representatives could not provide an appeal form on the original application and did not understand the significance of an application date as being the true end date.
Company Response: Closed with explanation

Timely Response

2017-07-19

Charles A Hayes, 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

2017-07-19

Detroit, MI

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: There are XXXX accounts that are reporting 120 days late from Nelnet, XXXX XXXX XXXX XXXX account and XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is Nelnet reporting this way again this year.
Company Response: Closed with explanation

Timely Response

2017-07-18

South Florida, FL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: My private student loans through XXXX XXXX charge wildly different interest charges each month. I have been paying the loans for over 3 years now and have barely made a dent in the principal ( about {$1500.00} over 3 years. ) I have car payment and mortgages where the principal balance actually decreases at a great rate than these loans. My monthly payments are {$220.00} a month On XX/XX/XXXX I paid {$170.00} in interest and {$43.00} towards the principal The next month I paid 1 day later on XX/XX/XXXX and paid {$180.00} in interest and {$43.00} towards the principal. 1 day difference in payment makes that wild of a difference in interest?? On XX/XX/XXXX I paid {$150.00} in interest and {$68.00} in principal The next month I paid on the SAME exact day and still ended up paying greater interest XX/XX/XXXX {$170.00} went towards interest and {$52.00} towards principal. These are predatory loans and the company will not send me proof of my signed Master Promissory Note showing that these are in fact my original loans. I will not be making additional payments on these loans until they can prove that everything is correct on my account. I will be disputing this fraud on my credit report as well.
Company Response: Closed with explanation

Timely Response

2017-07-18

Chicago, IL

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

2017-07-18

RI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: in XXXX I applied for Stafford loans to attend graduate school in the amount of {$500.00} and {$2800.00}. After XXXX obtained the money, they said I required a dummy math course. Nelnet serviced the loans. I became suspicious or over stressed by the course as nothing went through properly. Long story short, I requested that the money be sent back to the federal government, I became XXXX due to XXXX XXXX then I lived out of my car in XXXX . I only worked at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( LHI ) and that was less than 20 hours a month ; if and when I could get selected. These loans have been bounced around with nelnet, then yet another loan servicing entity. I can not seem to get any response. I do not know how much I owe and more importantly where is the money? my social security check are being garnished again. This makes the 4th time and I have reached out to XXXX XXXX office, and other educational entities. I am worried that I will not be able to make my rental payments and do not want to once again be forced to live from my car. I seem to not be able to get anyone to give me an accurate accounting Currently my Stafford student loans are being misplaced and my social security checks are being garnished {$240.00}. per month for a loan of less that {$4000.00}. From what I learned, the interest has been accruing and I have been charged twice for loan servicing. Plus the money is still in an account at XXXX . I live on less than {$2000.00} per month and my rent is {$860.00} and am obviously worried. If someone has the authority to do this to me, with a XXXX XXXX in XXXX XXXX , XXXX years old and a naturally born citizen, I think even if I could borrow money from someone ( which I ca n't ), that is n't the issue that needs to be investigated.
Company Response: Closed with explanation

Timely Response

2017-07-17

Clarkston, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Went to NelNet website. Logged in. Made specific payment to XXXX XXXX . Put {$1000.00} on XXXX XXXX My {$1000.00} went to ALL XXXX loans XXXX XXXX . Called, dialed 0 to bypass robot answering, got XXXX woman. XXXX woman denied fixing the problem. Denied it went to all loans. Denied me talking to higher up personnel. Assured me I could fix problem myself. Assured me I made the mistake. Told me to have a nice day. Phone conversation ended. <P/> Why ca n't I pay on specific groups as I have selected?! I want this issue fixed now.
Company Response: Closed with explanation

Timely Response

2017-07-17

Orchard Mines, IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I was contacted by US Dept of Education/NELNET about a student plus loan that I did not sign for. During initial contact XXXX 2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from NELNET. When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with NELNET I was told that I needed to file a police report, in which I did immediately. I provided the XXXX police report to NELNET ( incident # XXXX ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education - XXXX XXXX XXXX XXXX , TX XXXX ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the XXXX major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by NELNET to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/NELNET, XXXX XXXX , XXXX and XXXX for reporting inaccurate data.
Company Response: Closed with explanation

Timely Response

2017-07-17

San Francisco, CA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: On XXXX XXXX , 2017 I sent this company a letter informing them that I will be sending them a check with a conditional endorsement which laid out the terms of an accord. XXXX shows that NELNET received this letter last XXXX XXXX , 2017 as shown in the attached copy of my certified mail receipt below and according to XXXX mail tracking website as shown in the attached files. I sent them a check dated XXXX XXXX , 2017 and they already cashed this check. Nelnet failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that your company broke the accord set forth by the conditional endorsement check you have cashed. This is a violation of California Civil code.
Company Response: Closed with explanation

Timely Response

2017-07-17

Ironbound, NJ

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-07-17

Key Biscayne, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I PULLED MY CREDIT BUREAUS REPORT AND SEE FRAUDULENT ACTIVITY ON MY CREDIT REPORT INFORMATION IS INCORRECT. THE INFORMATION ON ALL CREDIT BREAUS DOES NOT BELONGS TO ME. ACCOUNT SHOWS FOR A XXXX XXXX . MY NAME IS XXXX XXXX L. THE NAME/INFORMATION ON CREDIT REPORT SHOWING AN " XXXX XXXX '' .. I SENT OVER THE POLICE REPORT AND A SIGN AFFIDAVIT FROM THE IRS RECOGNIZING THAT I AM A VICTIM OF IDENTY THEFT TO " ALL '' THE CREDIT BREAUS. FOR MANY YEARS AND AS OF RECENT, I ' HAVE BEEN DISCRIMINATED AGAINST AND JUDGE UNFAIRLY FOR SEVERAL MONTHS, YEARS NOW BECAUSE OF MY CREDIT. I AM A VICTIM OF IDENTY FRAUD. THIS HAS HAD A HUGE EFFECT ON MY LIFE IN THE HORRIBLE WAY. IM UNABLE TO GET A JOB, GET HOUSING, MAKE PURCHASES, OBTAIN SERVICES, OBTAIN EMPLOYMENT, ECT. ALL BECAUSE OF THESE FRAUDULENT TRANSACTIONS ON MY CREDIT REPORT. THE ONLY TRANSACTION THAT IS VALID IS FROM XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-07-17

CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I was told that with public student loans, I could defer them without interest accruing. Finally, when I started paying the loans I noticed that the principle had gone up significantly from when I had initially deferred them.
Company Response: Closed with explanation

Timely Response