Consumer complaint received 2018-10-13
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet keep sending harassing emails about my loan. I had an approval on XX/XX/2018 to start my repayment plan of {$50.00} per month. I paid the bill on XX/XX/2018 since the payment was due on XX/XX/2018. I was early paying. 
Then I received an email for default since my account was not updated per the repayment agreement. This is the 2nd time that XXXX failed to comply with they payment schedule to update the account but only to keep harassing a person. 
I need assistance to get this updated and keep the harassing stop coming. I did what I promise I was going to do. 




XXXX Thu XX/XX/2018, XXXX XXXX   XXXX Please verify your regular monthly payment amount. 


Log in XXXX Account : Account : XXXX, XXXX Your Request Has Been Approved. 
Dear XXXX, The request you submitted to have your payment schedule updated ( re-disclosed ) based on your outstanding principal balance has been approved and applied to your account. This means your regular monthly payment amount and payment schedule may have been adjusted. If a payment was due at the time your re-disclosure request was received, that payment will still be due. 
To view your updated loan details, log in to your Nelnet.com account or refer to your next monthly billing statement. You can also call us at the number below, and we will mail a printed copy of your payment schedule to you. 

Just know that we're here for you when you need us. If you have any questions, please visit Nelnet.com or call us at XXXX. 
Sincerely, Your Nelnet Customer Service Team Nelnet Student Loan Servicing XXXX Thu XX/XX/2018, XXXX XXXX  Bring your account up to date today. 
View Online Log in XXXX Accounts : XXXX Don't Let Your Credit Score Suffer. 
Dear XXXX, We have made multiple attempts to assist you in resolving the delinquency of your student loans. However, your loans are still past due and close to defaulting, and you have received a final demand letter. 

The account listed above containing your student loans is seriously delinquent and in collections, so we are required to demand payment in full for your student loans. 

At this time, we demand the current balance, accrued interest, and outstanding fees due in the amount of {$270.00}. 

If you can not afford to pay your full balance now, there still could be options to bring your account up to date without requiring you to pay the entire balance. If you contact us right away, you may be able to avoid defaulting on your student loans. 

The consequences of default are severe, including : The holder of your defaulted loan may intercept your state or federal income tax returns and garnish your wages You will not be eligible for future student financial aid Future aid provided by Social Security or disability insurance could be intercepted or reduced Collection fees will be added to your account Each loan will be reported as a default to the national credit agencies, which will have a negative impact on your future credit applications Legal actions may be pursued, and your account may be referred to a private collection agency or the federal government for collection Nelnet advisors are available and can help you determine which options are available to help you avoid default. To speak to a Nelnet advisor, please call us at XXXX. 



Current Balance : {$270.00} Your current balance reflects your outstanding principal balance plus any accrued interest and outstanding fees for all of your student loans. This amount is current as of XX/XX/2018, and does not reflect any subsequent changes to your account. Log in to your Nelnet.com to view your full account details. Don't have an online account yet? Sign up for one.

Company response to consumer: Closed with explanation