Consumer complaint received 2017-10-13
Company: Nelnet, Inc.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nelnet, Inc. first contacted me by mail in a letter dated XXXX XXXX, XXXX, which started with the language : " ACTION : Your account number has changed. Please update any bill pay services you may use with your new account information or use the new payment mailing address below. '' The " new '' account number " XXXX ''. 

There is also a code on the left side of the document " XXXX '' Since I never had a " prior '' account number with Nelnet, how could this possibly be a " change '' in account number? 

Coincidentally, I had also received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX, which stated : " Notice of Loan Servicing Transfer from XXXX to Nelnet ( XXXX XXXX XXXX XXXX ). Account Number : XXXX. '' According to the regulations however, I was supposed to have received a notice of transfer from both servicing companies. I have never received a notice of transfer from Nelnet. 

Additionally, the National Student Loan Data System reports loans in my name that I had no knowledge existed and appear to be duplicates. One group allegedly consolidated on XXXX/XXXX/XXXX and another group allegedly consolidated on XXXX/XXXX/XXXX and the amounts are similar. 

However, I only had one consolidation loan, but after finding NSLDS and doing a bit more research, I allege that the loan consolidation application I signed was for loans that were not mine to begin with, but the loans I did apply for were not consolidated ( or so I thought ). 

I had no way of knowing this because I was never provided with copies of any student loan documents by the financial aid department ( s ) at either school, so I was relying upon the financial aid department to provide the correct information to the lender ( s ).
The loan detail Nelnet sent me via CFPB today references two separate FFELP consolidated loans, neither of which seem to have any relationship to the loan document they sent me ( XXXX XXXX XXXX ) which represents the consolidated loan I 'm disputing, comprised of a subsidized XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX, ( see copy attached to CFPB Complaint XXXX ). 


In addition, Nelnet has been reporting two separate loan amounts and payments to XXXX, XXXX and XXXX that are entirely different account numbers than they are allegedly collecting from me. 

Something is definitely wrong. This is not the first problem I 've encountered and in fact, the problems with student loans go all the way back to the application and continued, multiplied ( literally and figuratively ) over the years no matter who the servicer has been. 

Based on the coordination involved with the timing of the letter from XXXX and the letter from Nelnet, I allege this was done knowingly and intentionally with intent to defraud. 

This is a pattern or practice I have seen several times over in reviewing all my servicing documents throughout the years. 

I will also be filing complaints directly with the credit reporting agencies as well, asking them to delete this information from my record. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation