Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
My student loans got transferred from Great Lakes without my consent or notice until the day of. I had XXXX in student loans as of XX/XX/XXXX. I have record proof of this through email which I've attached. After the transfer from Great Lakes to Nelnet, the number jumped to XXXX. I was not able to get documentation from Great lakes about my payment history before the transfer, as I was unaware that this was happening. When I went to check my Greatlakes account after receiving the nelnet email, my great lakes account was gone. 

My number reflected XXXX on studentloans.gov before the transfer, and after, it jumped to the number that Nelnet added. Since XX/XX/XXXX, I have paid XXXX and my student loan is showing that my balance is {$47000.00}. None of this matches any of the documentation I have. On my credit report, it matches the correct original Great lakes number of XXXX that I had left in student loans. That number matches my first email from nelnet. 

Nelnet added to my student loans, gave my incomplete payment activity from Great lakes, and won't let me talk to anyone at Great Lakes because they said it was dissolved. I can't clearly see the payments I made to Great Lakes, even though I've been consistently paying on my loans since XXXX, 14 years now. 

Also, they won't provide any statements that show my incorrect starting balance with them. I can see the payments I made to Nelnet but I can't see how it affected the alleged balance with them. 

I should only have {$35000.00} left in my student loans. 

Furthermore, I got several notifications and documentation that my loans were " paid in full '' but then it came back. A " mistake '' like this is completely unacceptable. What Nelnet has done is add to my student loans, and provided false information on several accounts. I have talked to several other people who have had the same issue with nelnet adding to their loan balance, saying their account was paid in full, and then coming back. 

Also, I have a screenshot that said my last payment was {$7800.00} on XXXX/XXXX/XXXX, when I paid XXXX  on XX/XX/XXXX. None of these numbers match up. 

I need my balance corrected, all my payment history provided to me in a clearer fashion, and statements from both nelnet and Greatlakes. For all I know, my student loan might actually be less than XXXX with all that I have paid. Please help, I'm in so much debt and have been paying consistently for years. 

Student loans.gov also says I took out more loans than I ever did after the transfer to nelnet. 

Nelnet took over Great Lakes, they have all this information. My student loan should actually be less than XXXX with all that I have paid. They added money to my principal which means I've been paying more interest than I owe. I want all the money I've paid since the transfer to be corrected, which means even though I paid XXXX since the transfer, my interest should've been less, and that amount extra needs to be taken off the principal as well.

Company response to consumer: Closed with explanation