1860358
|
2016-04-01
|
Dealing with my lender or servicer
|
Student loan
|
|
Issue |
Dealing with my lender or servicer
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Trouble with how payments are handled
|
Sub Product |
Federal student loan servicing
|
Date Received |
2016-04-01
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-04-01
|
Complaint What Happened |
My documents we submitted by the deadline noticed in the paperwork and my loan payment recertification was completed by the deadline provided. However, after I received my recertification letter my account was placed into forbearance without my permission and without being informed that such action was being taken in regards to my account. This was only discovered when I realized that I did not receive a statement for the month of XXXX. When I called Nelnet, they informed me that they were " doing me a favor. '' At this point I asked to speak to a supervisor because action was taken on my account without my consent. After much discussion with the supervisor I was informed that my account could only be taken out of forbearance after a payment was made. I immediately made the payment which should have been on the statement that was never sent to me. After informing the supervisor that I made the payment and I would like them to take my account out of forbearance and to not have the interest that was accumulated during this time to be capitalized to my loan amounts since this was done without my permission. Supervisor told me that she could not do this until after the payment posted which would be sometime the next week. I had to follow-up the next week with Nelnet and again ask that the forbearance be taken off my account as it was done without my permission and asked again that the interest during this time not be capitalized. This was finally sorted out and I received a letter afterward that my account was put in forbearance incorrectly! It took HOURS to get this all sorted because Nelnet put my account in forbearance without my permission and without notifying me that they were doing so. This is extremely wrong and they should not be allowed to change someone 's account status without their permission and especially without notifying them of the action they are taking. Also, for the record, I had not missed a payment or done anything which would have justified them in believing that I would n't be able to make my monthly payment.
|
Consumer Consent Provided |
Consent provided
|
|
11610521
|
2025-01-21
|
Struggling to repay your loan
|
Student loan
|
|
Issue |
Struggling to repay your loan
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Problem with forgiveness, cancellation, or discharge
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-21
|
|
11587186
|
2025-01-20
|
Struggling to repay your loan
|
Student loan
|
|
Issue |
Struggling to repay your loan
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Problem with forgiveness, cancellation, or discharge
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-20
|
|
11614942
|
2025-01-20
|
Dealing with your lender or servicer
|
Student loan
|
|
Issue |
Dealing with your lender or servicer
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Don't agree with the fees charged
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-22
|
|
11543900
|
2025-01-16
|
Struggling to repay your loan
|
Student loan
|
|
Issue |
Struggling to repay your loan
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Problem with your payment plan
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-16
|
|
11738580
|
2025-01-25
|
Struggling to repay your loan
|
Student loan
|
|
Issue |
Struggling to repay your loan
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Can't temporarily delay making payments
|
Sub Product |
Private student loan
|
Date Received |
2025-01-25
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-25
|
|
11850311
|
2025-01-30
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Account status incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-30
|
|
11666097
|
2025-01-17
|
Improper use of your report
|
Student loan
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-17
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-17
|
|
11723715
|
2025-01-21
|
Dealing with your lender or servicer
|
Student loan
|
|
Issue |
Dealing with your lender or servicer
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Don't agree with the fees charged
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-21
|
|
2068064
|
2016-08-17
|
Can't repay my loan
|
Student loan
|
|
Issue |
Can't repay my loan
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Can't get flexible payment options
|
Sub Product |
Federal student loan servicing
|
Date Received |
2016-08-17
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-08-19
|
Consumer Consent Provided |
N/A
|
|
11203944
|
2024-12-18
|
Struggling to repay your loan
|
Student loan
|
|
Tags |
Older American, Servicemember
|
Issue |
Struggling to repay your loan
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Can't temporarily delay making payments
|
Sub Product |
Federal student loan servicing
|
Date Received |
2024-12-18
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-18
|
Consumer Consent Provided |
N/A
|
|
11522348
|
2025-01-14
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-14
|
|
11610621
|
2025-01-21
|
Struggling to repay your loan
|
Student loan
|
|
Issue |
Struggling to repay your loan
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Problem with forgiveness, cancellation, or discharge
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-21
|
|
11610154
|
2025-01-21
|
Struggling to repay your loan
|
Student loan
|
|
Issue |
Struggling to repay your loan
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Problem with forgiveness, cancellation, or discharge
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-21
|
|
11317631
|
2024-12-29
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2024-12-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-29
|
|
11545947
|
2025-01-15
|
Dealing with your lender or servicer
|
Student loan
|
|
Issue |
Dealing with your lender or servicer
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Trouble with how payments are being handled
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-15
|
|
11634758
|
2025-01-18
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-18
|
|
11736809
|
2025-01-25
|
Dealing with your lender or servicer
|
Student loan
|
|
Issue |
Dealing with your lender or servicer
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Trouble with how payments are being handled
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-25
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-25
|
|
11743668
|
2025-01-22
|
Struggling to repay your loan
|
Student loan
|
|
Issue |
Struggling to repay your loan
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Problem with forgiveness, cancellation, or discharge
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-22
|
|
11450829
|
2025-01-10
|
Incorrect information on your report
|
Student loan
|
|
Tags |
Servicemember
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Private student loan
|
Date Received |
2025-01-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-10
|
|
11775361
|
2025-01-27
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Problem with personal statement of dispute
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-27
|
|
11678989
|
2025-01-22
|
Struggling to repay your loan
|
Student loan
|
|
Issue |
Struggling to repay your loan
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Problem with forgiveness, cancellation, or discharge
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-22
|
|
11532671
|
2025-01-16
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-16
|
|
11517186
|
2025-01-15
|
Dealing with your lender or servicer
|
Student loan
|
|
Issue |
Dealing with your lender or servicer
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Problem with customer service
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-15
|
|
11693054
|
2025-01-23
|
Dealing with your lender or servicer
|
Student loan
|
|
Issue |
Dealing with your lender or servicer
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Received bad information about your loan
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-23
|
|
11068555
|
2024-12-07
|
Dealing with your lender or servicer
|
Student loan
|
|
Issue |
Dealing with your lender or servicer
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Don't agree with the fees charged
|
Sub Product |
Federal student loan servicing
|
Date Received |
2024-12-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-07
|
Consumer Consent Provided |
Consent not provided
|
|
11262896
|
2024-12-25
|
Dealing with your lender or servicer
|
Student loan
|
|
Issue |
Dealing with your lender or servicer
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Received bad information about your loan
|
Sub Product |
Federal student loan servicing
|
Date Received |
2024-12-25
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-25
|
|
8203393
|
2024-01-22
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2024-01-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-01-22
|
Complaint What Happened |
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
Consumer Consent Provided |
Consent provided
|
|
11261402
|
2024-12-25
|
Struggling to repay your loan
|
Student loan
|
|
Issue |
Struggling to repay your loan
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Can't get other flexible options for repaying your loan
|
Sub Product |
Federal student loan servicing
|
Date Received |
2024-12-25
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-25
|
|
11681367
|
2025-01-20
|
Struggling to repay your loan
|
Student loan
|
|
Issue |
Struggling to repay your loan
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Problem with forgiveness, cancellation, or discharge
|
Sub Product |
Federal student loan servicing
|
Date Received |
2025-01-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-20
|
|
10756778
|
2024-11-11
|
Dealing with your lender or servicer
|
Student loan
|
|
Issue |
Dealing with your lender or servicer
|
Timely |
Yes
|
Company |
Nelnet, Inc.
|
Product |
Student loan
|
Sub Issue |
Problem with customer service
|
Sub Product |
Federal student loan servicing
|
Date Received |
2024-11-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-11
|
Complaint What Happened |
Nelnet 's automated phone service system doesn't function properly and needlessly wastes consumer 's time. First, the phone service system automatically hangs up while it is in the middle giving the information to consumers. Second, the phone service system requires borrows to provide account, birthday, and zip code information before telling the borrow that Nelnet 's customer service is unavailable for the day.
|
Consumer Consent Provided |
Consent provided
|
|