Consumer complaint received 2018-08-13
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I went on the XXXX Website and downloaded information you reported on XXXX. Then I went to the XXXX Website today and downloaded information you reported on XX/XX/XXXX. I was required to recertify for my loan under the Income-Driven Recertification which shows on my Home Page dated XX/XX/XXXX which of course is the wrong year it should show XXXX. Your Current Balance never matches what you owe under Loan Details. Under the XXXX Website you put me into forebearance on both of my Federal loans which one is subsidized and the other unsubsidized without my knowledge or ever contacting me to let me know you did it on XX/XX/XXXX. XXXX XXXX, Senior Resolution Specialist, out of Nebraska, we spoke on XX/XX/XXXX and you never bothered to tell me. I went through my XXXX report today, and I am totally disgusted. Under the Fair Credit Reporting Act you are required to report the payment the customer has made. In my credit report on XXXX from XX/XX/XXXX through XX/XX/XXXX I was told I would get a lesser percentage rate of .25 percent if I did automatic withdrawals. You never reported the interest I paid that was included for Subsidized loan payment of {$18.00} and Unsubsidized loan payments of {$32.00}. Nelnet failed to apply in the interest I paid on XXXX. For the {$18.00} dollar payment only {$15.00} was being reported and the {$32.00} dollar payment was reported as {$27.00} but varied in amounts.. But the payments are also inconsistent in a way where your not reporting what you claim to be $ 4- {$6.00} in interest on one loan  and {$3.00} in interest on the other loan. I haven't checked my XXXX or XXXX   reports yet. My loans are at a fixed rate of 4.290 % but it appears you never took off the .25 percent interest on automatic payment. I believe Nelnet is committing fraud in reporting to the credit bureaus and the interest, and I will be going through the process of figuring this whole mess out with the Department of Education and/or whoever regulates them.I am appalled at the audacity of your company. Wasn't it Nelnet who had to pay {XXXX} XXXX to the Department of Eduation in XXXX, and then they stick me with you. I want every record in my file on a day-to-day bases since the loan was assigned to you. Why do I as a consumer have to figure this out on my own as to how dishonest Nelnet is, and this includes XXXX XXXX, Senior Resolution Specialist, who would not believe me when I told him Nelnet did not report to XXXX or XXXX. He was adamant that Nelnet did when they didn't and wouldn't do anything to help me. I had to do it all by myself by making complaints to the Department of Education. How many phone calls and searches on the Internet do I have to do to find out this information when I shouldn't have to. I can see we're going to end up in court. You have a duty as a student loan servicer to report the right information and let people know what you're doing with their account. You could have contacted me by email to let me know what was going on but you didn't. You made me have to make phone calls on my own and it was still reported wrong. I've dealt with Resolution Specialists and they don't care about the consumer as long as they think things are going their way. Your attitude and refusing to try and help me makes you just as bad as your incompetent employees.I don't care what you think of me because this is all about my account with Nelnet.

Company response to consumer: Closed with explanation