Consumer complaint received 2021-03-05
Company: Nelnet, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried several times contacting NelNet at XXXX Solutions Department to correct derogatory / incorrect credit reporting information on my student loans with # XXXX, and Acct # XXXX with the XXXX XXXX XXXX XXXX / NelNet Student Loan Services for XX/XX/XXXX with a ( 90 day late reporting ). I contacted NelNet in writing and via telephone. Everyone there says that this information can not be fixed on the credit report with a Letter from them being mailed to the Credit Bureaus of XXXX, XXXX and XXXX  for incorrect information for the month of XX/XX/XXXX. This Student Loan account renumbered by NelNet # XXXX was under an Income Based Repayment Plan with {$0.00} from XX/XX/XXXX until XX/XX/XXXX. Then I resubmitted and updated my Income Based Repayment Plan application hand signed by me on XX/XX/XXXX for renewal of this plan for XX/XX/XXXX thru XX/XX/XXXX via mail again for {$0.00} until I could get a better paying job other than working as a XXXX XXXX XXXX XXXX. I resubmitted my old original copies of the ( XX/XX/XXXX - XX/XX/XXXX ) again to NelNet on XX/XX/XXXX. This time they called me on XX/XX/XXXX and stated that they received the documents and scanned them into their database system. NelNet did not have the original documents on file as evidenced by the NelNet Representative stating that they were previously thrown in the trash or garbage. NelNet did not have the copies until I sent them copies of my copies on XX/XX/XXXX again. REALLY? After calling and speaking with several NelNet Representatives, one of them stated that my paperwork / documents were thrown away and not scanned into their system on XX/XX/XXXX. This Representative spoke and told the truth. So NelNet Representatives stated that they never got / received my original documents back in XX/XX/XXXX. After calling NelNet several times in XXXX, XXXX, XXXX, and XX/XX/XXXX speaking with several Call Center Representatives, No one mentioned not receiving the documentation that was mailed. They just kept saying that the account was still under a {$0.00} repayment plan because I also mailed another Economic Hardship application as well during this time. Then in XX/XX/XXXX, after speaking to another Call Center Representative, I was told to resubmit documents again via computer electronically. However, the new submitted electronic documents were received in their NelNet system late in XX/XX/XXXX. So, they are penalizing me for their negligence in not scanning my original hand signed submitted documents dated XX/XX/XXXX in the first place!! " That the Representative stated was thrown in the trash can ''. REALLY?? I could have fallen in the floor. All of my hard work and effort for nothing. I feel like I am dealing with a group of XXXX making life changing decisions for me. Have I died and gone to XXXX here on Earth? I have been fighting this battle ever since XX/XX/XXXX with the Credit Bureaus and NelNet XXXX XXXX XXXX XXXX XXXX No one seems to know how to fix this problematic situation for me to help move forward. I don't know now. I thought that a simple letter to the Credit Bureaus stating to remove this error would be enough. No one at NelNet says that they are able to write this letter ( or ) correct this wrongful error.

Company response to consumer: Closed with explanation