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 97
2017-05-22
N San Juan, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: To whom this may concern, I write this complaint to seek clarification regarding information reported to my XXXX credit report. Quite illogically, my XXXX credit report is reporting what appear to be identical records on multiple occasions - artificially inflating the number of credit accounts on my credit report. Specifically, as can be seen in the attached document, accounts with the XXXX XXXX XXXX/NELNET and XXXX XXXX XXXX XXXX are reported in what appears to be a duplicate fashion. Which, notwithstanding other potential problems, constitutes a violation of the fair credit reporting act.
Company Response: Closed with explanation
2017-05-22
Powder Spgs, GA
Written notification about debt
Debt collection: Private student loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-05-20
Inglewood, CA
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Didn't receive services that were advertised
Complaint: A Student Loan Company claims that I am owing $ XXXX for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.
Company Response: Closed with explanation
2017-05-20
CA
Incorrect information on your report
Student loan: Federal student loan servicing
Information belongs to someone else
Complaint: The two ab ove accounts where removed off all three credit reports in XXXX , i sent in documents to prove it was n't my loan, it somehow got reinserted XXXX to my XXXX and XXXX credit report, which is affecting my credit, the account does n't belong to me, by law you are not allowed to reinsert a removed/or deleted item after 7 days
Company Response: Closed with explanation
2017-05-20
WI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: In XXXX , I contacted my student loan servicer ( Nelnet ) about enrolling in the Public Service Loan Forgiveness program. In order to qualify, I was advised to change from a standard repayment plan to EITHER an extended or income-based plan. Nelnet has documentation that this was the advice that I was given. On the basis of this advise, I switched over to an extended plan, only to find out three years later ( on my own - not through Nelnet ) that the 30+ loan payments I made while working for a qualifying XXXX ( c ) XXXX nonprofit do not count toward the 120 payments that I need to make for my loans to be forgiven because despite what I was told by Nelnet , only the income-based plan - not the extended plan - is considered a qualifying plan under PSLF. I contacted Nelnet and they acknowledged that they gave me incorrect advice, but refused to take any action to rectify the situation. Who knows how many people besides me are enrolled in extended repayment plans under the false impression that their payments are counting toward their debts being forgiven due to shoddy advice given to them by their loan servicer.
Company Response: Closed with explanation
2017-05-19
Middleburg, FL
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Company Response: Closed with explanation
2017-05-19
Wesley Chapel, 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: Originally This account was handled by XXXX XXXX XXXX , XXXX , in XX/XX/XXXX , a t some point it was transferred to the Department of Education/Nelnet Student Loan Servicer a nd was in deferred status bu t Nelnet say s that it was not in deferred status i n XX/XX/XXXX , XX/XX/XXXX a nd that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am XXXX of a small XXXX , and have been working in and around the XXXX XXXX XXXX for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times sinc e XX/XX/XXXX . F orward to XX/XX/XXXX the old account has been closed and a new account has been opened and is being paid to a new company called XXXX XXXX XXXX XXXX , but the old account is still showing as derogatory and says to contac t Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my XXXX , XXXX and XXXX credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my XXXX Report after a Hard Pull.
Company Response: Closed with explanation
2017-05-17
Saint Louis, MO
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with explanation
2017-05-17
Gulf Breeze, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with non-monetary relief
2017-05-17
Tempe, AZ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I requested to have interest capitalized on three unsubsidized corrected since I was in school at least half-time ( XXXX credits ). A letter informing Nelnet was sent on XX/XX/XXXX identifying the issue and my school status was not applied correctly based on school status. I followed-up with Nelnet after the letter was received and Nelnet requested a copy of school enrollment verification to prove I was enrolled during the period in question. An enrollment verification letter was sent from XXXX XXXX XXXX College in XX/XX/XXXX. I followed up with Nelnet and was told that the information provided was not correct. I contacted XXXX XXXX again in XX/XX/XXXX to send out verification for the specific timeframe which I was enrolled and interest was capitalized. The verification was received by Nelnet and my account status changed on XX/XX/XXXX. The enrollment verification was applied as such I was only enrolled during the timeframe which I was trying to prove to have capitalized interest on unsubsidized loans recalculated based on school status. Nelnet took the verification received on XX/XX/XXXX and recalculated owed interest on my student loans. A new enrollment verification was secured from XXXX XXXX XXXX College on XX/XX/XXXX and faxed to Nelnet to prove enrollment. Enrolment Records personnel at XXXX XXXX spoke with XXXX XXXX who was supposed to update the account and interest and put the loans back into the condition prior to the erroneous changes on XX/XX/XXXX. I spoke with XXXX XXXX on XX/XX/XXXX who verified that she would be updating and fixing the loans to reflect how the loans were deferred prior to XX/XX/XXXX. I spoke with XXXX XXXX at Nelnet who outlined how the account / loans were being updated to reflect the deferment status the account should have been placed and interest on questioned unsubsidized loans reclassified to regular interest and not capitalized interest. She also detailed an amount due of {$150.00} in interest now due on the account. She could not explain how the balance was owed because the loans were being paid even though being in deferment status. XXXX identified and had access to reported enrollment status from XXXX XXXX XXXX College through the NSLDS reporting system, verifying my school status but Nelnet took the most current communication dated XX/XX/XXXX as the correct form of enrollment verification. The interest was determined and applied from loans when forbearance was applied to the loans in XX/XX/XXXX and XX/XX/XXXX between the timeframe of the end of the spring semester and the beginning of the fall semester. Prior to the events of XX/XX/XXXX, the deferment was applied continually without a break from XX/XX/XXXX to current. Nelnet recalculated and backdated interest not previously assessed to the loans from the timeframe in question in XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX at Nelnet on XX/XX/XXXX who stated that Nelnet has a program of being able to apply a Deferment Bridge to cover the end of the spring semester to the beginning of the fall semester, although it is not published on their website as an option and I should have known this option was available. All communication with Nelnet takes three to five business days and someone in a back office has to determine if changes are going to be made and Im not informed why and how interest is being applied to my loans. I would like to have the interest reversed on the timeframes of XX/XX/XXXX and XX/XX/XXXX since it was previously calculated as such and Nelnet incorrectly applied and would not change / update my records when they had access to enrollment information through the NSLDS reporting system.
Company Response: Closed with explanation
2017-05-17
Arco, CA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: In early XX/XX/XXXX, XXXX XXXX XXXX notified me that they were going to transfer my account to XXXX XXXX XXXX by XX/XX/XXXX. I waited until auto payment was made on XX/XX/XXXX to check my balance of the loan. The XXXX XXXX XXXX website stated the amount of {$19000.00}. On XX/XX/XXXX, I wanted to make a payment towards the principle amount so I called a XXXX XXXX XXXX. The rep helped me set up my online account, the balance stated was {$19000.00} ( as of XXXX XXXX PDT ), which was much higher than expected. I asked the rep if there was a fee applied, and she said " no. '' I then asked what the loan interest amount should be for just 1 week and 1 day. She told me the interest should be {$8.00}. I then calculated and told the rep that the balance should state {$19000.00} instead, and asked her why I was being charged an extra {$30.00}. I asked to speak to a manager, and spoke to a XXXX. She did not give me an ID number. I explained the issue, and she said she would " request an investigation. '' I asked XXXX to send me proof of this investigation by email. From XXXX 's actions, I doubted that they were going to do a thorough investigation, and asked what I could do if I disagreed with the outcome, since there was no transparency. I proceeded to make the payment of {$490.00} to be applied to my principle and interest for proof of this conversation. I then called XXXX XXXX XXXX, but there recorded message said they could no longer help me. I tried several times, and the same thing happened where the call was disconnected. I could not login into their website either. Therefore I called the general offices of XXXX and spoke to a rep named XXXX ( ID # XXXX ). She listened to my situation and filed a complaint on my behalf regarding the Student Loan. She also gave me a case ID # XXXX. XXXX said she was going to escalate my case and request " reconciliation. '' Then I called XXXX and spoke to XXXX. She emailed XXXX to get back to me with a case ID number. XXXX called back at XXXX PDT to tell me there was no case ID number and no email confirming the request of this research. She was quite surprised when I told her I contacted XXXX " already. '' When I pressed her on the process of this " research. '' She told me that the research starts with a request, and is sent over to another department at XXXX XXXX, and that department will reach out to XXXX. I told her that the amount that I have can easily be pulled up by requesting login logs and the pull up the balance from that date and time. Then I checked my my balance of the account, which did not reflect the payment I made earlier that day, in the amount of {$19000.00}, but does reflect the daily interest. In any case, I asked XXXX to call me back in a week to tell me the status. After a week from not hearing from XXXX XXXX, I called them on XX/XX/XXXX, XXXX PDT. She said she requested the review for the amount of {$19000.00}. I told her that was the wrong amount and that it was approximately {$10.00} under, and the amount is {$19000.00}. Then she disagreed with me again and told me to wait another week. I then called XXXX on XX/XX/XXXX at XXXX PDT and spoke to XXXX ( ID # XXXX ) who gathered my account number and federal identification number. He could not find the case, but spoke to his supervisor XXXX. She tried calling their department, well within their office hours of XXXX. She tried twice, but could not reach them. She made a note on my account/case. She also said she reached out to XXXX, the former rep, who was located in TX, but could not reach her. On XX/XX/XXXX, XXXX from XXXX XXXX called and left a message. The transcript on my XXXX reads, " Hello this message is for and this is XXXX with ______ XXXX just giving you a call back um we did hear back from XXXX about the balance and cording to them the information ______ sent to us is correct in our system and tried to the account over to us if you have any further questions you can give us a call back here at XXXX we are open Monday through Friday from XXXX XXXX till XXXX XXXX central standard time thank you ... '' This is not a fair resolution for a Student who reduced her Loan 40 %. I called the Department of Education as well as XXXX 's financial aid, and they both told me they do n't have leverage with these loans. I disagree with this research because I have not been able to contact anyone from XXXX XXXX XXXX. I would like to see the paperwork and email transactions to this investigation ( any screenshots, log files, etc. ) If they look in my log files, I am sure that they can see how many times I logged in or made extra payments to reduce the principle balance of my loans. Also, on their website, they should have the term rates reflected because when I took out my loan from XXXX, the rate should be prime minus 1 %. I still have my letter dated back in XX/XX/XXXX. I would also like to file an appeal with XXXX on this research and have them reconcile my account by removing the extra {$30.00} that was applied to my account. I also would like XXXX XXXX to be more transaparent with their correspondence to borrowers by sending email or letter confirmations instead of just calling. Just today, XX/XX/XXXX, XXXX XXXX called to tell me about a mistake they made about loans being transferred from XXXX rather than XXXX. The rep sounded like she was trying to verbally update my information. I requested her to send me an email and letter because all of these transactions are by phone, recordings that they have but I do n't have access to. This is a sneaky practice.
Company Response: Closed with explanation
2017-05-15
Oxford, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I previously filed a claim - Complaint ID XXXX XXXX / XXXX / XXXX . My explanation was presented by the company with much distortion. I have repeatedly asked for a copy of Gov't payments to my account -- '' If your new monthly payment isnt large enough to pay the accruing interest on subsidized portion of your direct loan, the Federal government will pay it for you for a period of up to but no more tha n three consecutive years once you begin your Income Based Repayment program. This is XXXX of the many forgiveness aspects that Federal Student Loans offer. '' This has not occurr ed ... I am on t he Income Bas ed Repayment plan and my loans are increasing tremendously ... I am now owing XXXX figures ... I do not understand how the loan supposed to be paid of in 25 years ... I will be owing over 1 million dol lars. Please escalate this complaint to legal office and/or provide me names of attorneys and or an agency above cfpb. " If over the lifetime of this loan, you make 300 q ualified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legall y discharged. '' How will this loan ever get paid off under this plan. I am paying my interest but it is increasing at an accelerated rate. Plan in cludes a 20 year forgiveness for new borrowers that took their loans out after XXXX XXXX XXXX , or 25 years if the loans were taken before that date. The lifetime of an Income Bas ed Repayment Loan i s considered to be no more than 25 years. If over the lifetime of this loan, you m ake 300 qua lified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legally discharged. However, this discharged a mount is considered taxable and must be paid for the year it was forgiven ; i.e . a loan discharged in XXXX must be paid with other XXXX Income Taxe s due in XXXX . -- -- -- -- -- - Issues include : Estimated Interest Daily Interest Outstanding Principal Balance -- tremendous increase. -- -- - I do not want to have my loans serviced under Nelnet. I f eel as though it is too much fraud and no-one is trying to resolve my issue. Please escalate my issue to the agency above the cfpb and/or a contact person at the Office of Inspector General. I will file a complaint their next. My account ne eds to be reconciled and properly handled. There are too many complaints regarding XXXX on the WEB. Please do an audit on my account.
Company Response: Closed with explanation
2017-05-15
Jacksonville, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2017-05-15
CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Hello, I consolidated my XXXX federal graduate school loans on XXXX / XXXX / XXXX into the only loan consolidation program offered at the time. I am now learning that after 11 years of working for the XXXX XXXX Attorney as a lawyer ( a job that would otherwise qualify ), because I did n't consolidate into a type of loan that did n't even exist at the time ( XXXX XXXX ), my XXXX separate, on time payments as of XXXX XXXX will not qualify for the public service loan forgiveness. This seems bonkers. Certainly that can not be the intent behin d Congress creat ing this program with much fanfare a decade ago. My servicer is XXXX . I think my loans should be forgiven in exchange of the years of hard work I have been doing as was promised ten years ago. Thank you, XXXX
Company Response: Closed with explanation
2017-05-15
Seattle, WA
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Complaint: similar to previous complaint XXXX on NELNET.COM - TERRIBLE I continue to get emails asking for sum total of {$1700.00} in emails, i login to Nelnet to double-check the amount due, which is consistent with emails {$1700.00}. BUT - when the day comes to pay ( XXXX of month, as stated online and in emails ) ... THEN the amount due changes by several hundred dollars. i 'm sick and tired of being stressed out about this ; set the monthly payment @ {$1700.00} and stop fluctuating!!!!! - XXXX
Company Response: Closed with explanation
2017-05-15
Fallbrook, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2017-05-13
SC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: several times I have made an attempt to resolve the issue that I was having with NELNET to no avail. this is about the third or fourth complaint that I have submitted and they purposely and continually refuse to acknowledge my request. recently I received an alert on my phone from privacy Guard letting me know that an account has been added to my credit profile through XXXX this was XXXX / XXXX / XXXX so when I check it I see where an new account has been added by NELNET. They have re-aged an old account so it appears. I called XXXX the following day asking how can they allow these accounts to added to my credit profile while I have an fraud alert and an identity theft report concerning my credit profile but the woman stated it was n't appearing on their but I know that was false because it appears on my phone and my credit score has drop tremendously because of it. They have purposely and continually to violate the FCRA and the FDCPA. I recently been doing some studying about their closing ; so how is it are there continually to collect on student loans and thy are no longer open. I will be filling a suit in small claims if they refuse to verify and validate the debt but continue to report it on my credit profile.
Company Response: Closed with explanation
2017-05-13
OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back i n XX/XX/XXXX , with the University XXXX XXXX . These student loans were opened up unbeknownst to me which I was XXXX ( date of XXXX : XX/XX/XXXX - XX/XX/XXXX Date the fraud occured : XX/XX/XXXX ; amo unt ( s ) : {$1700.00} ; {$3000.00} These students loans are old and h ave been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in XX/XX/XXXX , and have since been removed from my report ( XXXX XXXX XXXX University XXXX XXXX and XXXX ). Now, I Have " XXXX / XXXX XXXX XXXX ; D ept. of Education/ NEL N ; US Dept. of Education / XXXX / XXXX , posted on my report from the same time period the prior students loan information post posted previously, dating : XXXX . This same issue with the fraudulent student loans has come back and repackaged.
Company Response: Closed with explanation
2017-05-11
Fort Pierce, FL
Problem with a credit reporting company's investigation into an existing problem
Student loan: Federal student loan servicing
Problem with personal statement of dispute
Company Response: Closed with explanation
2017-05-11
NJ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I had went to pay my student loans today and when I looked at the statement I had noticed that my payment had doubled. I had expected an increase in payment as our income had become higher, but the amount is more than I can afford. I had reached out to Nelnet and they advised me that they could not lower my payment amount because my wife has a forbearance on her account, which is no longer true. I had tried several times to get this payment lower to an affordable amount and found nothing from Nelnet but a lack of honestly and professionalism. I have paid my bills on time and asked that they kept them below {$300.00}, and they would not assist me. This is after I had a conversation earlier this morning and was told that it would be {$280.00}. I believe that they are predatory and dishonest and would like to transfer to another servicer.
Company Response: Closed with explanation
2017-05-10
Lansing, MI
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
2017-05-10
Arvada, CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: XXXX - Extension XXXX - Resolution Specialist - Solutions Center - Nelnet XXXX refused to provide any other information to better identity this encounter ; employee ID number, Last Name, Call or Reference number. XXXX stated, '' If you dispute these accounts in any way, it will hurt your credit score. " She referenced the F.C.R.A when making these claims. This is outright false and was interpreted as a threat of action and an attempt to influence my decision for the benefit, and on behalf of Nelnet. XXXX was condescending in her answers and ultimately failed to provide answers to critical questions about my account. This is by far the opposite service one would expect from content knowledge experts on student loans and credit. She could not adequately explain how these accounts are reported on as well as the process or reasoning for the accounts ' closing and re-establishment.
Company Response: Closed with explanation
2017-05-10
Port Orange, FL
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2017-05-09
Port Orange, FL
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: XXXX , as you have stated, yes nelnet has indeed sent some information. it is incomplete and inaccurate. the information is NOT in chronological order as i have requested. the information does NOT contain a complete breakdown AND explanation of fees charged, etc. do you really think i would continue to ask for something i have received? i completely disagree with the balance your company is reporting that i owe. please provide proof. thank you.
Company Response: Closed with explanation
2017-05-09
Seneca, SC
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I have a private loan that has interest of 6 %. During the time that I am in school I am required to make payments on the interest that builds every month. On XXXX XXXX 2017 I r eceived a billing statement that said I owed XXXX due by XXXX XXXX 2017. I paid this amount on XXXX XXXX 2017 wi th the understanding that this amount was the interest that I would owe for the billing period. On XXXX XXXX 2017 I received a billing statement that said I owe XXXX due by XXXX XXXX 2017. On XXXX XXXX 2017 I called the company. They say that the amount I paid in XX/XX/XXXX wa s applied to principal instead of paying off the interest. I was literally told that I should not pay my bill so early. It is to my understanding that the amount that is posted that I owe is my interest payment and will be applied only to interest unless I choose to pay more than the amount on the billing statement. I was also under the impression that it should not matter when I pay my amount due as long as I make the payment before the due date and after receiving the statement. It is specified in my original loan agreement that I will only make interest payments during the time that I am in school unless I choose to do otherwise and that the amount I will be billed for will only be the interest. The money that I am paying each month is not going towards my interest and I am being forced to pay more each month because I am paying my bill before the exact due date. All loans were transferred by XXXX XXXX XXXX XXXX to this new XXXX XXXX company. Since the loans were transferred I have had nothing but problems and when trying to get them fixed you go through circles calling over and over again with no help from customer service.
Company Response: Closed with explanation