Consumer complaint received 2023-03-01
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, a student loan for {$6600.00} was newly discovered [ Exhibit XXXX ]. While signing paperwork to refinance our home, the banker covered current debts, and when he said we had a recent student loan taken out, my wife and I were confused. We paid our last education loan on XX/XX/XXXX [ Exhibit XXXX ]. 

The second installment of {$6600.00} for the same loan was given, bringing the fraudulent education loan up to {$13000.00} [ Exhibit XXXX ]. The police have had a report filed, Nelnet and the U.S. Department of Education have sent me six denial letters, the FTC has a report filed, and all three credit agencies have been contacted to freeze credit, report the fraudulent hits on my credit, and place a fraud alert. Cases have been opened with XXXX University, the Ombudsman Group, XXXX, and the Illinois Office of the Attorney General [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ] [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], and [ Exhibit XXXX ]. 

Currently, the target to clear my name and relieve our family of this fraudulent debt keeps moving. Each denial letter or person I speak with keeps changing what needs to be done and how I can clear my name. Despite the moving target and setbacks, some good news has come. 

As of XX/XX/XXXX, all three credit agencies no longer recognize the fraudulent education loans taken out in my name [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], and [ Exhibit XXXX ]. 

The submission to the Illinois Office of the Attorney General in XXXX of XXXX has resulted in a letter returned to me on XX/XX/XXXX [ Exhibit XXXX ] that states they attempted to reach Nelnet but were unsuccessful in obtaining a response. Several letters were received from Nelnet showing some action was being taken, but all those letters received added to the confusion of this whole process, as I have experienced throughout this matter. 

The disorganization from Nelnet continues based on [ Exhibit XXXX ], [ Exhibit XXXX ], and [ Exhibit XXXX ]. Based on the work I assume the Illinois Attorney General 's Office started, these exhibits were received in the mail on successive days, XX/XX/XXXX, XXXX, and XXXX. As shown in the exhibits, Nelnet said my request had been denied for the same reasons [ Exhibit XXXX ] they started with on XX/XX/XXXX, and referenced on MayXX/XX/XXXX, as shown in [ Exhibit XXXX ] and [ Exhibit XXXX ]. We worked through those issues through multiple appeals and are now back to square one. Then, on XX/XX/XXXX [ Exhibit XXXX ], I received a Nelnet letter saying my submission was incomplete and need to fill out the same appeal form I have filled out several times. Finally, the next day, XX/XX/XXXX [ Exhibit XXXX ], I received another letter saying my submission was materially complete and they would review my case. Needless to say, this seems as if they are not doing their due diligence to process my request faithfully. 

See the Steps Taken section of the attached report for more details and access to all the referenced exhibits.

Company response to consumer: Closed with explanation