Consumer complaint received 2022-06-28
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account is being reported 90 days late as of XX/XX/XXXX & XX/XX/XXXX, and 120 days late as of XX/XX/XXXX. This is inaccurate. I believed during those times that my account was in an XXXX XXXX  plan requiring a {$0.00} payment. There has been an ongoing problem for YEARS with Nelnet failing to process my XXXX applications, at all. In fact, I just went through dealing with this issue for the past year & half with Nelnet, filing complaint after complaint & making call after call to determine the status of my XXXX  to no avail, until finally, I spoke with Supervisor XXXX XXXX, who FINALLY found someone to process my application. My account was with another provider prior to being transferred to Nelnet. I NEVER asked for my account to become private & I would like for it to once again become a federal government-managed account. My account became delinquent in the midst of these various transfers, through no fault of my own. I need Nelnet to remove the late payment history. 

My note to Supervisor XXXX XXXX : One thing we're overlooking here is that my account was with Great Lakes prior to XXXX. Delving a bit further, I had initially established contact & an online profile with Nelnet for the first time in XXXX of XXXX ( see attached e-mail ). Lastly, the date & time of when exactly Nelnet assumed responsibility for my Great Lakes account is unbeknownst to me & in the confusion of that, I believe that my account became delinquent. 

I've attached two messages below from Great Lakes that show that my Forbearance had been approved as late as XXXX, but in the confusion of the account transfer, my account status with either company at the time of the migration was never properly communicated to me. 

It is my understanding that the account was in either an existing Forbearance with Great Lakes or an XXXX with Nelnet. Please give me the benefit of the doubt. 

SECOND MESSAGE TO XXXX XXXX, AFTER HE FAILED TO PROVIDE RECOURSE AND DIRECTED ME TO WRITE A LETTER TO NELNET : This is unacceptable. Your refusal to clear this late-payment history, although I've provided an account as to why & how that occurred, is preventing me from obtaining consolidation loans & from transferring my account to other service providers. 


You are making my account & experiences with Nelnet punitive in nature when that should not be the scope of our relationship, and that is not your purview to do so. Again, your stonewalling treatment of me is also unacceptable. I never asked to have my account transferred to Nelnet, nor was my permission, knowledge, or consent sought prior to the transfer. I demand better treatment & to not be treated with disdain, difficulty, and suspicion, nor to have my credit ruined because of Nelnet 's difficult nature. 


This type of customer service is precisely why I do not want to do business with Nelnet at the conclusion of my deferment. 


Is there anyone else that I can speak to or communicate with above you & up your chain of command that has the ability to render a correct & favorable verdict here in removing the late-payment history, or do I have to file a complaint with the CPFB?

Company response to consumer: Closed with explanation