Student loan -- Dealing with your lender or servicer -- Complaint #13671844
Complaint Overview
Complaint ID: 13671844
Company: Nelnet, INC.
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-Issue: Received bad information about your loan
State: Oklahoma
ZIP Code: 731XX
Date Received: 2025-05-22T12:00:00-05:00
Date Sent to Company: 2025-05-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX of XXXX, I received a credit alert from my credit card provider informing me that my credit score had dropped XXXX points due to a reported delinquency from Nelnet. This was the first time I became aware that any payment was due on my account in over a year. My loans were previously serviced by XXXX XXXX. The last email I personally received from Nelnet was dated XX/XX/XXXX, and clearly stated that the amount due was {$0.00}. I never received any follow-up emails or billing statements from Nelnet informing me that repayment had resumed, that a balance was due, or that I was at risk of delinquency between XX/XX/XXXX and XXXX of XXXX. I later discovered that Nelnet had been sending communications to my mother 's email address without my knowledge or authorization. There was zero communication to me, the legal borrower that billing statements were being sent to an email that I don't have access to and did not authorize. I did not change my contact information at any point, nor did I grant permission for loan notices to be redirected to another party. As the borrower, I was never directly notified of an upcoming payment or a due balance or altered account email. Upon receiving the credit alert in XXXX, I immediately paid the full overdue amount ( {$770.00} ) within 24 hours and enrolled in automatic payments to prevent this from happening again. I then contacted Nelnet to request a goodwill adjustment and to ask for information about their internal process for correcting credit reporting in cases like this. My goodwill request was denied, and I was only told to submit a dispute, despite clarifying that I was not disputing the accuracy of the report, but the failure to notify me prior to the delinquency being reported. This situation has resulted in severe and credit damage due to a breakdown in required borrower communication and servicing practices. I am requesting that Nelnet review and correct the credit reporting on this account based on the facts, the lack of proper notification, and the prompt resolution.
Frequently Asked Questions
What is Complaint #13671844 about?
Complaint #13671844 was filed against Nelnet, INC. regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2025-05-22T12:00:00-05:00.
How did Nelnet, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Student loan) and describe your issue in detail.
Can I see other complaints against Nelnet, INC.?
Yes, visit the Nelnet, INC. company profile at readthecomplaint.com/company/nelnet-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.