A
Anonymous
Public complaint
Struggling to repay your loan: Student loan
I HAVE RECEIVED MASSIVE PHONE CALLS FROM DEBT COLLECTORS CHARGING ME WRONG AMOUNT AND MESS UP MY CREDIT
Reviews
14
Average
1/5
Response rate
0%
Resolution rate
0%
Reviews
14
Average
Response rate
0%
Resolution rate
0%
Anonymous
I HAVE RECEIVED MASSIVE PHONE CALLS FROM DEBT COLLECTORS CHARGING ME WRONG AMOUNT AND MESS UP MY CREDIT
Anonymous
These were personal school loans taken out without my knowledge. Through the school itself.
Anonymous
Nelnet federal government. The agreement was to not pay until 2027. Not sure why we can switch up the agreement start charging interest and not even give people a heads up.
Anonymous
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Anonymous
I was on the SAVE pause forbearance. Nelnet contacted me during that forbearance stating I owed a payment. That information was incorrect. Based on that error I switched to IBR. This resulted in delinquency and denial of forbearance options until I escalated to a supervisor. A 12-month forbearance was ultimately granted but only after significant pushback. I am filing this complaint to document the servicer error that initiated this situation.
Anonymous
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.
Read full reviewAnonymous
I reached out several I believe the amounts are wrong and the loans needs to be forgiven.
Anonymous
When I recently checked my credit report. I noticed that I had multiple collection and closed accounts. All of these accounts, I had no knowledge of. They have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well as to let them know that I had no knowledge of them and that I had been a victim of Identity theft. These accounts are as follows : Department of Education
Anonymous
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.
Read full reviewAnonymous
I am writing to formally request a full discharge of my student loans serviced by Nelnet due to years of misleading guidance, improper loan servicing, and the significant financial harm that resulted from their actions. As someone who pursued higher education to better myself, advance my career, and create opportunities to serve my community, taking on student loan debt was an investment I made in good faith. I earned advanced education to build a career in healthcare leadership and business, with the goal of creating stability for myself while also helping others. I trusted that my loan servicer would provide accurate information and guide me toward repayment options that were in my best interest. Instead, my experience with Nelnet has been deeply disappointing and financially devastating. Throughout the years, rather than being properly educated on income-driven repayment options or forgiveness pathways that may have made my payments manageable, I was repeatedly steered toward forbearance and deferment. At the time, I relied on the information I was given and believed I was making responsible decisions. I was never fully informed of the long-term consequencesparticularly how interest would continue accruing and then capitalize, causing my balance to grow substantially. Because of this, my student loan debt became increasingly overwhelming. Instead of making meaningful progress toward repayment, I watched my balance rise far beyond what I originally borrowed. This created a cycle of debt that became harder and harder to escape. The financial burden has affected every area of my life. As a woman in the healthcare professional and entrepreneur, I have worked tirelessly to build a meaningful career and create financial security. I have carried significant responsibilitiesnot only professionally, but personally. I have invested in building businesses, serving vulnerable populations, and creating resources for seniors and families in my community. Yet despite years of hard work, these student loans have remained a heavy burden that continues to limit my financial freedom. The harm caused extends beyond the loan balance itself. I also have serious concerns regarding Nelnets reporting of my payment history to credit bureaus. Inaccurate, misleading, or harmful reporting has negatively impacted my credit profile, which has affected my ability to fully leverage financial opportunities, secure favorable lending terms, and build long-term wealth. As someone who understands finance and lending, I fully appreciate how damaging inaccurate credit reporting can be. What makes this especially painful is that I acted in reliance on the guidance provided by Nelnet. I trusted them to act ethically and transparently. Instead, I now believe that trust was misplaced. The financial strain has been accompanied by emotional and mental stress. Carrying inflated debt caused by poor servicing practices creates a constant burdenone that affects peace of mind, future planning, and overall well-being. There have been many moments of frustration, disappointment, and discouragement knowing that the debt I have carried for years may have been significantly reducedor even forgivenhad I been properly advised from the beginning. I believe I was failed by the very system that was supposed to help borrowers succeed.
Read full reviewAnonymous
CONSUMER COMPLAINT AGAINST NELNET I am filing this complaint regarding the reporting of my student loan account by Nelnet. I believe Nelnet is furnishing inaccurate and misleading information to the consumer reporting agencies, causing harm to my credit profile and financial standing. The following inaccuracies require immediate investigation : 1. Improper Interest Reporting I have Direct Subsidized Student Loans for which the federal government is responsible for paying interest during certain qualifying periods. Despite this, interest has continued to be added to my account, causing my balance to increase. If Nelnet has reported balances that include improperly assessed interest, the information being furnished to the credit bureaus is inaccurate. 2. Unauthorized or Incorrect Forbearance Status My account reflects periods of forbearance that I do not recall requesting, authorizing, or agreeing to. If Nelnet placed my account into forbearance without my knowledge and subsequently reported information resulting from that status, the tradeline may contain inaccurate information regarding my repayment history and account status. 3. Income-Driven Repayment ( IDR ) Concerns I have participated in repayment programs where payments were reduced based on income. If my required payment was calculated at $0.00 or otherwise qualified for interest benefits under applicable federal programs, the continued accumulation and reporting of interest may be inaccurate and misleading. 4. Inaccurate Account Balance and Credit Reporting Because of the issues described above, I believe the balance being reported to the credit bureaus may be inaccurate. An inaccurate balance directly impacts creditworthiness and may cause financial harm. I am requesting that Nelnet provide complete documentation supporting every amount reported to the consumer reporting agencies. LEGAL BASIS FOR THIS COMPLAINT Under the Fair Credit Reporting Act ( FCRA ), furnishers of information have a duty to report information accurately and to conduct a reasonable investigation when a consumer disputes information. 15 U.S.C. 1681s-2 ( a ) requires furnishers to provide accurate information to consumer reporting agencies. 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation upon receiving notice of a dispute and to correct, modify, or delete information that can not be verified. If Nelnet can not verify the accuracy of the reported balance, interest charges, repayment status, or other account information, the information should be deleted from all consumer reporting agencies. REQUESTED RESOLUTION I request that Nelnet : Conduct a complete investigation of the tradeline. Provide all documents supporting the reported balance, interest calculations, repayment status, and reporting history. Correct any inaccurate information immediately. Delete the tradeline from all consumer reporting agencies if the information can not be fully verified or is found to be inaccurate. Provide written confirmation of the results of the investigation. The continued reporting of inaccurate information causes ongoing harm to my credit profile and financial opportunities. I request prompt resolution of this matter.
Read full reviewAnonymous
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.
Read full reviewAnonymous
I am reporting suspected identity theft, unauthorized use of my personal information, and financial fraud. I discovered financial obligations, account activity, and transactions that I do not believe I authorized. One of the most significant issues involves student loans that were obtained in my name. I do not recall applying for, authorizing, or consenting to these loans. I later learned that the loans had been approved and disbursed. I did not knowingly authorize the use of the loan proceeds and am seeking to determine how the loans were obtained and used. I also discovered that payments related to these student loans had been automatically withdrawn from my financial account over an extended period of time. Although I had access to the account, I did not regularly review the statements because the payments were recurring and processed automatically. When I later conducted a detailed review of my financial records, I identified these withdrawals and began investigating the underlying loan activity. During my review, I also discovered additional activity involving financial accounts, credit cards, and personal information that I did not recognize or believe I authorized. After reviewing account records and speaking with financial institutions and merchants, I became concerned that my identity and personal information may have been used without my knowledge or permission. As a result of these issues, I have suffered financial losses, incurred debt obligations, paid interest and recurring charges, experienced potential harm to my credit profile, and spent substantial time attempting to identify and resolve the unauthorized activity. I am submitting this report so that the suspected misuse of my identity, student loan information, financial accounts, and credit accounts can be documented and investigated by the appropriate authorities. I am requesting that the matter be investigated to determine how these accounts, obligations, and transactions were created, authorized, and used, and to identify any individual or individuals who may be responsible.
Read full reviewAnonymous
I formally dispute the reporting of the student loan account ( s ) appearing on my consumer report. The information being furnished is inaccurate, unverified, and is causing harm to my credit profile. Pursuant to my rights under the Fair Credit Reporting Act, I demand a reasonable investigation and strict proof that these accounts are being lawfully reported. Furthermore, under the Gramm-Leach-Bliley Act, I request disclosure of any signed application, promissory note, authorization, or other documentation establishing a lawful relationship and permissible purpose for the sharing and reporting of my private financial information. If the furnisher can not provide competent documentary evidence verifying the accuracy and ownership of these accounts, I demand their immediate deletion from all consumer reporting agencies. Continued reporting of unverified or inaccurate information constitutes a violation of federal consumer protection laws. I request removal of these accounts and written confirmation of the correction.
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