Date Received: 2023-09-25
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been attempting to call their call center to add an e-mail or phone number to my already existing neltnet account so that I can access my nelnet because I forgot my username and password years ago. I am told the only way to add multifactor authentication to reset my password or recover my username is by calling them. Every time I call it either hangs up and says the call center is experiencing too many calls or its closed even though I call during the operational hours that they list on their Nelnet Website. I am beyond frustrated. I applied for the save program nearly a month ago but apparently Nelnet is not accepting the application or approving it for some stupid reason.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Nelnet/department continues to report to the XXXX and XXXX report. I place on the record under exclusive equity. Expressing XXXX. All documentation and application that was provided by corporations such as the promissory note and any other documents presented to me that I have completed or signed were created by an attorney. Creation of a documentation is the practice of law, the usage of the documents is authorized practice of law when it's corps to corps. Anything out of that realm is not legal. I am not a corporation. The legal decendant estate, principal/debtor known as " XXXX XXXX XXXX XXXX not me nor my name. I am a natural woman. I am the implied surety. I am bringing this claim against all parties that are engaging in misconduct and exercise of franchise. A corporation can not engage in the practice of law, by Nelnet and other corporations involved in this transaction is indirectly unauthorized practice of law. Remove your 5 XXXX immediately.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: My Nelnet student loan, with a balance of {$29000.00}, w/ " Paid As Agreed '' status, was removed or blocked from my credit report. I did not dispute this account or request the removal. The Fair Credit Reporting Act USC 611 ( a ) ( 5 ) ( B ), states If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loan transferred from Great Lakes to Nelnet, and the repayment plan did not transfer over correctly, so my minimum monthly payment is now much higher than it should be. I requested a change on XX/XX/XXXX and was told it would take 7-10 days to process. It is now 17 business days later, and I have not received any communication regarding this change.
Company Response:
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/23 - Called to receive an update on my loan consolidation request and the status of my SAVE application from XXXX. Was on hold for 1 hour and 15 mins, then was informed that the SAVE application portion may not have been completed properly and to wait for the loan consolidation to complete before submitting another application. XX/XX/23 - Submitted another SAVE application, after being informed that the first one was not completed properly. XX/XX/23 - Called to receive an update on my SAVE application as it had been past the 10-15 day processing period and they had received all required documentation. I had not received ANY communication from Nelnet. I was on hold for 1 hour and 30 minutes, then I was told that I should have received an email and a letter in the mail stating that it would be up to 20 days now due to the high demand ( for which I received neither ). XX/XX/23 - Called to receive an update on my SAVE application as I have not received ANY communication from Nelnet on the matter. The website says that the application has been completed, however there is no change to my loan payment or status. Was on hold for 2 hours, then was told that it would be 30-40 days to get any information.
Company Response:
State: CA
Zip: 93308
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: A little back-story : Applied for the SAVE plan on XX/XX/XXXX. Submitted an email on XX/XX/XXXX without any response. Meanwhile I'd been switched to the regular plan and showed around {$1700.00} being due. Had to call on the status on XX/XX/XXXX and spent XXXX hour and XXXX minutes on the call just to be told a lot of things that weren't true. First they said that they sent an email saying they needed income verification. Never got that email and I allowed them to pull my tax return when applying, so income verification is not needed. They finally concluded that they didn't know what was going on, but looked like something in the back end was being worked on, and to call back in 2 days. Very stressful. Now to my issue : Finally got the letter saying I'd been put on the SAVE plan on XX/XX/XXXX. Interest is still accruing and now the Nelnet portal shows no payment due until XXXX of XXXX. This is very concerning for a few reasons. While I currently have a {$0.00} dollar payment through the SAVE plan, I should still be getting credit toward the 25 years of repayments for my XXXX XXXX monthly " payment, '' and interest should be subsidized and stop accruing on my end. Neither of these are happening with the way Nelnet is doing this. I've spoken to other loan-holders, and the same thing is happening. Very frustrated overall at Nelnet 's slow processing time, little to no response, and continuing to handle my loan incorrectly. I don't have hours to fix issues every time they come up. And super concerned at how my loan is not being handled per SAVE 's guidelines which will result in me owing more and more money that shouldn't be accruing.
Company Response:
State: WA
Zip: 98404
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: I requested to be placed on a SAVE plan on or before XX/XX/2023 ... over a month ago now. Got an email follow up on XX/XX/XXXX stating " if we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. '' Of course there has been no follow up email. This is a *scary* time for borrowers and we should expect that the US DoE and loan services like Nelnet process IDR applications in a timely manner. Please help ensure this is dealt with.
Company Response:
State: OR
Zip: 97230
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Account Number : XXXX People on the loan : XXXX XXXX and XXXX XXXX ( my dad ) On XX/XX/2023, at XXXX XXXX, I paid off my student loan in full. The amount was {$13000.00}. I noticed after a few days that the money was still in my bank account. So I logged onto the Nelnet website and noticed two things : the payment was still being processed, and a new charge of {$140.00} was added to the balance and due XX/XX/. I called, and after waiting for 2 hours on hold, I was finally connected to a representative. She said that because I made the payment after XXXX XXXX ( not true as previously stated, which I told her so, and she argued with me ), it would take 5 to 7 business days to process. Had I made the payment before XXXX XXXX, it would have been processed immediately. Also, while the payment is being processed, the loan is still accruing interest daily, despite the fact that I paid the entire loan off. I told her that none of what she said made any sense and requested a supervisor. She said the wait for a supervisor was an additional hour. Frustrated, I gave up. Before hanging up, I asked for an email address, and she said, " We don't have one. '' None of these practices seem legal. How can they charge interest on a loan that was paid off? It's not my problem how they process payments. It's been 6 business days since I paid my loan, and it is still processing. I have the receipt, the time of the transaction, etc. Loan sharks are more lenient.
Company Response:
State: CT
Zip: 06790
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have tried multiple times to contact anyone working at Nelnet. The website is awful with multiple pages broken and direct people to customer service. However, when calling customer service nobody answers the phone even after being on hold for almost two hours! This is a terrible, terrible company. Please go read the hundreds of complaints and stories just like this on thier XXXX XXXX. How am I suppose to make my payments in XXXX when I can't even reach anyone at Nelnet?
Company Response:
State: CO
Zip: 812XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This complaint surrounds " XXXX 's '' in XXXX represented by XXXX of XXXX. I simply asked for a document specifying the date of payoff as XX/XX/2023 in the amount of {$590.00}. The aforementioned did comply, but the payoff information is still not updated on my credit report as paid in full. I simply want it updated ASAP.
Company Response:
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A