Consumer complaint received 2025-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Good Morning, In XXXX of XXXX I contacted XXXX XXXX XXXX  ( XXXX ) to apply for a Direct Plus loan. I was told to wait until XXXX of XXXX. When I applied the loXXXX XXXX XXXX XXXX XXXXRONG date and used school year XX/XX/XXXX instead of XX/XX/XXXX - ( THIS WAS CONFIRMED BY XXXX XXXX XXXX XXXX of Financial Aid in XXXX XXXX after hours and hours on my end trying to figure out what happened! ) As a result and since I did not see the Direct Plus loan on my daughter 's financial aid report I borrowed {$11000.00} AGAIN in XXXX of XXXX. I then began to get emails from Nelnet about the {$22000.00} that I had borrowed. I immediately contacted them to inquire as to the amount and then is when I had to make a many, many phones calls to XXXX and Nelnet to track down the issue. Again, the ERROR was found to be with XXXX and was fully admitted on their part. I was informed that they were returning their mistake ( Loan # 1 ) and that there was no further action needed on my part. As it turned out, my daughter earned additional scholarships and worked thorughout the summer and fall and we did NOT use ANY of the Loan # 2 and I returned all of it in XX/XX/XXXX and have a letter from Nelnet stating that the loan was repaid in full and without penalty because it was within 6 months. 
Last week, XX/XX/XXXX I received an email from Nelnet stating that I owe {$320.00} in principal and interest from Loan # XXXX - XXXX XXXX 's error! I then spent countless hours calling XXXX, XXXX and even the Department of Education to resolve this matter. I was told from Nelnet and Dept of Ed that neither one had control of the loan and to contact the other entity. XXXX ignored my request to discuss the matter and instead sent me this link to file a complain. 
In a nut shell, I am being asked to pay {$320.00} for money that was NEVER USED! Yes, the request ( XXXX ) was processed, the first time erroneously and WITHOUT my ever knowing it and the second time I returned it within 2 months! I did my due diligence, I spent hours tracking down their mistake, was told that it was taken care of and yet, I am stuck with a {$320.00} bill for money that NEVER even applied/used/withdrawn etc. 
Please help me resolve this! I thought I had taken care of everything and yet, it continues. XXXX has not offered any help even though they are solely responsible and Nelnet keeps telling me they don't have anything to do with the loan which I can not understand their position since they issued the loan! 
Please, I am not trying to get away with anything, my wife and I have helped our children ( ironically three of them went to XXXX ) and they have worked their tails off academically and over the summers so that we would never have to borrow money. This was the first and will be the only time that we borrow and it has proven to be nothing but a headache and I feel as though it is not our fault nor should we be asked to repay anything since no money was used. 
Thank you very much for your time and effort on our behalf!

Company response to consumer: Closed with explanation