Consumer complaint received 2021-01-16
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Timeline breakdown : XX/XX/XXXX : Received letter from XXXX XXXX verifying that I have successful consolidated my loans into a direct consolidation loan. 
XX/XX/XXXX : Received letter from XXXX XXXX confirming the amounts and consolidation of XX/XX/XXXX. 
XX/XX/XXXX : Receieved letter from XXXX that they purchased my loans from XXXX. 

*I am noting that from XX/XX/XXXX until present I was under the impression that my loans were direct consolidation loans. Jump to XXXX ... 

XX/XX/XXXX : Applied for Public Service Forgiveness XX/XX/XXXX : Received letter from XXXX that my loans are ineligible. 

Noting again, that I was under the impression that I may have not completed the full 120 payments. Jump to XXXX ... 
XX/XX/XXXX : Applied for forbearance with Nelnet in preparation for the CARES Act ending in XXXX. 
XX/XX/XXXX : Received credit alert that my score dropped due to miss payment of student loan. 
XX/XX/XXXX : Contacted Nelnet regarding credit alert. Was advised by customer service that my loans did not qualify for the second coverage of the CARES Act. Told me that my loans were private loans. Did not have documents in front of me, so I went with what they told me. Customer Service requested that my forbearance be backdated to XXXX. 

Jump to XXXX .... 

XX/XX/XXXX : Contacted Nelnet regarding the backdating of my account in order to get credit situation fixed. Was advised by customer service that request was never submitted in XXXX. Inquired again about my loans as I went back through my documents showing them as direct loan consolidation. Customer service reported that my loans are " commercial loans '' from XX/XX/XXXX. Asked for verification and was advised to contact StudentAid.Gov XX/XX/XXXX : Contacted studentaid.gov who confirmed my loans as direct consolidation loans and that i needed to contact XXXX XXXX for any information that had as they are showing the ones who originally had my direct consolidation loans. Studentaid.gov reported that my loans were previously commercial loans in XXXX but in XX/XX/XXXX i consolidated them into direct loans. Further reported that direct consolidation loans can not go to private loans but private loans can go to direct consolidation loans, which is what occured in my case. 
XX/XX/XXXX : Contacted XXXX who confirmed as well my loans being direct consolidation loans and mailed me verification. 
XX/XX/XXXX : Chatted with XXXX XXXX XXXX who reported that my loans were in fact direct consolidation loans in XX/XX/XXXX, however, my service loan provider converted them into commercial loans in XX/XX/XXXX. Requested documentation of this as I did not consent or apply for my direct consolidation loans to be commercial loans. Advised that I contact Nelnet for any documentation as they are my current service loan. 

Currently waiting on my identity to be verified through Studentaid. gov so that i can see what service loan agency turned my loans into commercial loans after i consolidated them into direct loans without my consent. 

Somewhere between XX/XX/XXXX and XX/XX/XXXX fraudulent activities occurred regarding my student loans. I have been paying on loans that should have qualified for public service discharge when i requested it in XXXX. I want concrete answers and documentation of what has occurred with my student loans. I have kept every document received regarding my student loans from XXXX. I am prepared to file a lawsuit if situation is not corrected within a reasonable time frame.

Company response to consumer: Closed with explanation