Nelnet

The XXXX XXXX XXXX/nelnet had my accounts open for XXXX XXXX XXXX XXXXonths Opened XX/XX/XXXX according to the attached paperwork so that would push us past the XXXX year mark of allowance on credit report the other student loan show XX/XX/XXXX ( XXXX XXXX XXXX XXXXs ) which again puts us past the allowance and the last XXXX XXXX shows open on XX/XX/XXXX ( XXXX, XXXX months ) these were all classes i took together I'm not understanding why they were reported separately. Now they are back on my credit as XXXX XXXX XXXX XXXX not sure the difference but they are now showing fresh like its just been reported to my credit when in fact they have been on their for years and I am actually paying on them through federal student gov so I'm not understanding why its still on my credit it reporting in collections

I had a federal student loan that was originated with XXXX XXXX and they sold the loan to XXXX which is now managed by Nelnet. I was trying to see exactly what amount I owe if any, and all three credit bureaus show a different balance. XXXX shows a balance of XXXX. XXXX shows {$0.00}, and XXXX shows XXXX.

In XX/XX/year>, I disputed inaccurate and misleading credit reporting on my federally XXXX XXXX XXXX serviced by Nelnet. These loans were fully XXXX under my 100 % Total and Permanent Disability ( TPD ) Veteran discharge, but Nelnet is furnishing status remarks that do not match the discharge or federal reporting requirements. The accounts are showing misleading comments such as Responsibility : Terminated, Account closed due to transfer, and Dispute resolved reported by grantor, which are not accurate for a TPDdischarged federal loan and are harming my credit. I asked Nelnet to explain these remarks and provide documentation supporting their reporting. On XX/XX/year>, Nelnet sent a generic denial letter stating that all credit reporting is valid and accurate without addressing the TPD discharge, without explaining the remarks, and without providing any documentation.…

I am submitting this complaint regarding my federal student loans currently serviced by Nelnet and previously associated with Great Lakes. These loans originated from my attendance at XXXX XXXX XXXX a now-closed for-profit institution that has since become associated with allegations involving deceptive practices and borrower defense claims. I attended XXXX XXXX beginning around XXXX and graduated in approximately XX/XX/XXXX. I was repeatedly told that the program would lead to strong employment opportunities, transferable college credits, and manageable student loan repayment due to expected high earnings in the medical field. Many of these representations later proved to be misleading. I am currently preparing and pursuing a Borrower Defense to Repayment application with the U.S. Department of Education. In addition to concerns involving the school itself, I have concerns regarding the servicing and continued balance growth of my federal student loans.…

I have previously submitted for an income driven repayment plan for my student loans. They were never processed accordingly and now all of my student loans are showing late payments. This reduced my credit score drastically within a month 's time. I have re-processed my application for the IDR plan and it is now approved, however, the Nelnet will not correct or delete the late payments from my credit report, even though my loans are currently in forbearance and on an IDR plan, as well as me being enrolled in school fulltime. I am not asking for any type of loan forgiveness, I am asking that the late payment reports be removed from all credit bureaus as this is significantly impacting my finances.

I am submitting this complaint regarding what I believe to be deceptive and misleading repayment information provided by Nelnet during my recent repayment plan change request. I recently applied through Nelnets online portal to switch my federal student loans from an Income Driven Repayment ( IDR ) plan to the Extended Fixed Repayment Plan. During the application process, Nelnet clearly displayed a projected monthly payment amount of {$860.00} under the Extended Fixed Repayment Plan. I took screenshots of this quoted payment amount during the application process because I relied on that information when deciding to submit the repayment plan change request. After my application was processed, I received notification that the request had been completed. I then logged into my Nelnet account to confirm when the new payment amount would begin. At that point, I discovered that my monthly payment had been set at {$920.00} instead of the previously quoted {$860.00}.…

I have XXXX federal student loans serviced by Nelnet. I did not receive any billing notifications, no emails, no mail, no phone calls, indicating that my loans had entered repayment or that payments were due. I was never alerted that I was approaching delinquency at any point during the period in question. I discovered the delinquency only when I noticed my XXXX XXXX had dropped XXXX points from XXXX to XXXX. Upon discovering this, I immediately brought all XXXX accounts current and paid the past-due amounts in full. I have not missed a payment since. I contacted Nelnet to request a goodwill removal of the negative credit reporting, given that the delinquency was the direct result of a failure to receive any notification from the servicer. Nelnet refused to assist. I am requesting that Nelnet remove the negative credit reporting associated with this delinquency period from all three credit bureaus.…

Consumer Financial Protection Bureau Complaint Against : Nelnet I am filing this complaint against Nelnet regarding the mishandling of my federal student loan account and the resulting financial and emotional harm it has caused. Nelnet has improperly serviced my student loans by inaccurately reporting information to the credit bureaus and/or failing to properly administer my repayment account. As a result, my credit has been negatively impacted, causing ongoing financial hardship and emotional distress. The issues include : Improper late payment reporting Failure to properly process repayment assistance or deferment options Inaccurate account status reporting Negative credit reporting that does not accurately reflect my account history Failure to provide clear communication and resolution efforts Financial harm caused by servicing errors Due to these actions, I have experienced damage to my credit profile, increased financial strain, stress, anxiety, and difficulty maintaining…

I am currently in a XXXX XXXX bankruptcy and most of the loans are included. Nelnet has placed my loans in repayment asking for over {$700.00} a month. I have called and spoken with a representative and was advised that my loans would be placed in bk deferment until XXXX by XX/XX/XXXX. However my loans are still showing in default.

Complaint Against : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Nelnet U.S. Department of Education XXXX XXXX XXXX XXXX : Improper Student Loan Transfer Reporting, Inflated Aggregate Debt Reporting, Duplicate or Fragmented Tradelines, Failure to Conduct Reasonable Investigation, and Failure to Provide Adequate Data Breach Notice I am submitting this complaint regarding harmful and potentially inaccurate credit reporting practices connected to the transfer and servicing of my federal student loans from Nelnet/Department of Education servicing to XXXX. My consumer reports from XXXX, XXXX, and XXXX reflect numerous active XXXX student loan tradelines reporting simultaneously with historical transferred Department of Education/Nelnet tradelines and dispute-related remarks.…

I'm unable to make payments to my loan account through auto-debit and currently unable to make any changes to my loan on Nelnet or even sign in ; however, I'm still incurring interest. I had auto-debt with a .25 % discount since XXXX and it was NEVER applied. Therefore, the payments and my interest were applied incorrectly. I request this loan be analyzed and interest credited to my principal and all my historical payments be reapplied correctly.

Dear XXXX Ombudsman : I am writing to formally dispute an error in the income-driven repayment ( IDR ) forgiveness tracking applied to two of my federal student loans. Despite these loans qualifying for forgiveness under the XXXX ( XXXX ) XXXX threshold, the system is applying the XXXX ( XXXX ) graduate threshold resulting in a forgiveness date of XX/XX/XXXX rather than approximately XXXX. I am requesting immediate review and correction of this classification error. I. Loan Identification The two loans in dispute are Direct Consolidation Loans with the following identifiers : Award ID : XXXX Loan Type D5, Outstanding Balance {$33000.00} ( principal + interest ) Award ID : XXXX Loan Type D6, Outstanding Balance {$17000.00} ( principal + interest ) Both loans are held by servicer code 580 and were updated in the IDR payment count system on XX/XX/XXXX. II. Basis of the Dispute My dispute rests on three independent grounds : 1. Loan type classification.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Dispute of SAVE/IDR Student Loan Servicing Errors To Whom It May Concern, I am writing to formally dispute the handling of my student loan account by Nelnet. I believe errors were made regarding my SAVE/Income-Driven Repayment ( IDR ) plan and account servicing. Specifically, I dispute the following : Incorrect processing of my SAVE/IDR repayment plan Inaccurate payment status and/or balance information Possible improper reporting of delinquency or late payments Failure to properly update or maintain my repayment information These issues have caused financial hardship, confusion regarding my loan status, and potential negative effects on my credit profile. I have attempted to review and resolve these concerns, but the account information still appears inaccurate.…

In XXXX of XXXX, I re-enrolled at XXXX University as a full-time student. In XXXX and XXXX of XXXX, I received invoices for a past-due balance of {$21000.00} when my federal student loans were automatically placed in XXXX XXXX. The XXXX invoice was a 30-day notice, and the XXXX invoices were 15 days past due.

I obtained private student loans for attendance at XXXX XXXX University. The school later closed, and I believe students were misled regarding the value and outcomes of the program. My loans are serviced by Firstmark Services. I am requesting investigation, hardship relief, and review for discharge or settlement options because I remain responsible for substantial private debt tied to a closed institution.

Re : Update to Existing Complaint Complaint Number : XXXX Complaint Against : Nelnet Account Number : XXXX. Primary Borrower : XXXX XXXX XXXX I am submitting the following additional information to supplement my existing complaint. Several significant developments have occurred since my original filing that materially strengthen my complaint and warrant updated consideration. NEW FACT 1 : NELNET HAD CURRENT CONTACT INFORMATION AND DID NOT USE IT I have since learned that Nelnet had my phone number, email address, and personal references on file, including a friend and my brother, at the time the delinquency was reported. Despite having multiple current and direct means of reaching me, Nelnet made no attempt to contact me by phone, email, or through any reference. All three notices cited as notification attempts, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, were sent regular mail to an address I had vacated in XX/XX/XXXX, between 21 and 27 months before each notice was sent.…

i got accepted to XXXX. got approved for student loans.. i could not complete the course. so they kept my loans and then claimed i received them.

I am submitting a formal complaint regarding my student loan accounts serviced by Nelnet. I believe my account information is being inaccurately reported and inadequately verified after my personal information was compromised. I have serious concerns regarding the handling, accuracy, and validation of my student loan data, including compliance with federal consumer protection standards such as the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), which governs the protection of consumer financial information. I attended XXXX University online based on representations regarding career outcomes and employment opportunities. After completing my studies, I was unable to obtain employment in my field. KXXXX University later closed, and I was required to transfer to XXXX XX/XX/XXXX University to continue my education.…

I am writing to request an investigation into late payment reporting on my credit file. Late payments were reported for XXXXXXXX XXXX totaling approximately {$450.00}. I was unaware these payments were required separately, as I believed they were being handled through another loan account. No clear notice was received indicating separate payment responsibility. Upon discovering the issue, I took immediate action and paid the full past-due balance on XXXX XXXX XXXX, bringing the account current. Since then, the account has remained in good standing. Because this situation resulted from a misunderstanding and not intentional nonpayment, I respectfully request that these late payment entries be reviewed and removed if found to be inaccurate or improperly reported.

I am requesting a goodwill adjustment regarding the late payment history being reported on my account. The loan has since been paid in full, and I have satisfied my financial obligation entirely. I respectfully ask that you consider removing the late payment reporting from my credit history as a courtesy. The negative marks no longer reflect my current financial standing or responsibility, especially now that the account has been fully resolved. I would sincerely appreciate your consideration in helping me improve my credit profile moving forward. Thank you for your time and review of this request.

Nelent claimed to have sent me letters, phone calls, and texts regarding payments coming back and late payments, but they did not. I asked for the dates and the address they sent this to, but they could not tell me at all. To this day, they still refuse to get rid of the late payment notifications and have it listed where the same month they started to take payments again, that I was 30 days late, which does not make sense.

On XX/XX/year>, Nelnet debited {$1000.00} from my bank account, resulting in an overdraft. They did not have authorization to take this much money from my account. My automatic loan payments are {$120.00} per month. They stated they sent an email notification regarding a change but I have no record of this change nor did I approve that much being taken out of my account. I have screenshots of my last three regular student loan payments and this new overcharge. I need to file a formal complaint against nelnet and now have to dispute the charge. Nelnet completely overcharged and did not notify me, as the loan repayer of this ridiculous amount.

I submitted a Borrower Defense to Repayment application regarding XXXX XXXX on XX/XX/year>. My application has now remained pending for more than three years without adjudication or meaningful status updates. At the time of my application, XXXX XXXX XXXX materials and website representations stated that borrower defense applications unresolved beyond the applicable adjudication timeline would be subject to discharge or relief provisions. I retained screenshots and printouts of those representations and relied upon them when submitting my application. XXXX XXXX is a listed institution associated with the XXXX settlement framework. My borrower defense claim has exceeded the stated processing timeline, yet no decision has been issued. Although my loans are currently in administrative forbearance, interest continues to accrue daily while the Department delays adjudication of my claim.…

My account was reported as 90 days late. I made a payment on XX/XX/XXXX which shows activity within 90 days. I was not informed that my payment was not the sufficient amount to keep my account current. Balance has been paid in full since I was made aware of the issue. I was not notified previously in order to fix this prior to reporting.

am filing a complaint regarding inaccurate and excessive credit reporting by Nelnet concerning my student loan accounts. Nelnet is currently reporting approximately 13 separate entries/accounts on my credit report related to my student loans. The reporting appears duplicative, misleading, excessive, and damaging to my credit profile. The multiple tradelines significantly increase my debt appearance, negatively impact my credit utilization/history, and create confusion regarding the actual number of accounts owed. I believe the reporting may be inaccurate, improperly duplicated, or improperly segmented in a way that unfairly harms my credit standing.…

XXXX, accepted my application to be considered for forbearance or deferment of my loans however I am still receiving notice of payment due Nelnet sent me emails verifying that my account will not be activated for payment, but will be deferred. Finances are scarce, I am XXXX XXXX XXXX and I am a State snap recipient who have not worked since XXXX. I still do try to seek employment seasonal or otherwise but to no avail.

I am requesting a deferment or forbearance on my federal student loan account due to financial hardship caused by unemployment.

I can not access my nelnet account. I have been trying to login and/or change my password to my account to login and it says account not found. I have previously been able to login to the account in XXXX, and in XXXX when my payments started I went to login and I have not been able to login in with multiple attempts since then. I have also tried to call nelnet customer service but the customer service only works if you accepts and finds your account but it keeps saying I do not have an account- which I do- I have accessed multiple times up until XXXX. This is putting me at risk for delayed payment fees and hurting my credit more.

I am submitting this complaint regarding my student loan servicer, Nelnet, and their repeated failure to correctly process my Income-Based Repayment ( IBR ) application. I have applied for IBR four times and have called Nelnet multiple times seeking resolution. Each call has resulted in inconsistent guidance from representatives, and my payment continues to be calculated at $ XXXX a figure that is mathematically unsupportable given my current income and household size. Current financial situation : I have been unemployed since XX/XX/year> My only income is unemployment benefits of approximately $ XXXX ( gross ) My household/family size is 2 Using these figures, my IBR payment should be substantially lower than $ XXXX likely under $ XXXX based on standard XXXX discretionary income calculations. I have submitted each application using the alternative income documentation option to reflect my current income rather than my prior tax return. Despite this, the {$450.00} figure persists.…

After numerous attempts speaking to NELNET and XXXX, I submitted feedback case # XXXX online on XX/XX/year>. After submission, I was assured contact/resolution within 15 days. No follow-up up was provided so I contacted NELNET by phone and XXXX/Nelnet Account Management assured me their OMBUDSMAN would contact me by XX/XX/year>. Again, no efforts. I contacted NELNET again on XX/XX/year> and advised by representative that my account information was " under review '' and assured a callback within 3 days by a Account Supervisor. ONCE AGAIN, NO EFFORTS TO CONTACT ME AND ACCOUNT INFORMATION NOT UPDATED/CORRECTED.