Student loan -- Dealing with your lender or servicer -- Complaint #6063428
Complaint Overview
Complaint ID: 6063428
Company: Nelnet, INC.
Product: Student loan
Sub-Product: Private student loan
Issue: Dealing with your lender or servicer
Sub-Issue: Need information about your loan balance or loan terms
State: Pennsylvania
ZIP Code: 195XX
Date Received: 2022-10-07T12:00:00-05:00
Date Sent to Company: 2022-10-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The issues have been ongoing since making the decision to do the spousal consolidation years ago. The loan was first serviced by XXXX and then Nelnet ( present servicer ). After the spousal consolidation, we divorced. For years, over 12 years, I have attempted to obtain specific details on the loan. Years of calls to both providers and being told that I have no rights to obtain information on the loan ( MPN, payment history, loan details in terms of what was mine and what were his at the time of consolidation ). I am told that he is the " primary borrower '' and I am a " co ''. I have asked repeatedly how I am held accountable for the loan and how it ends up on my credit report when he does not pay his half payment monthly per our divorce settlement agreement, which has no weight in any of this disaster. My ex-husband has been permitted to defer the loan multiple times without my signature or even notification to me by the providers. He has missed multiple payments which have resulted in additional interest, putting me further in debt to this loan by increasing the outstanding balance, etc. I have had ZERO rights yet I am held responsible by these providers. I have paid my half of the monthly payments continuously which Nelnet last verified for me on the phone on XX/XX/22. I asked for the documentation stated above to be mailed or emailed to me. I have been told that I can not have it because I am not the primary borrower. I have no access to the online account and have been denied this ability. I was told on XX/XX/22 that my ex-husband reported to the provider he is in the process of consolidating. How can he do any activities without my authorization? I want Nelnet to finally release all records to me involving payment history, the XXXX, and documentation of the loans prior to the consolidation in order to know what I brought into the join consolidation. I have worked for the XXXX XXXX XXXX for over 18 years and have no ability to apply for forgiveness. I receive a statement monthly, which was not for the duration of time they were involved, and can only see that he is not paying. I have every right to the information since I can be held liable and have continued to make my half payment the entire time. I have kept all of my notes for years in the event I can file some type of lawsuit. Please help me.
Frequently Asked Questions
What is Complaint #6063428 about?
Complaint #6063428 was filed against Nelnet, INC. regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2022-10-07T12:00:00-05:00.
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.