Date Received: 2023-10-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX, XXXX informed me that my student loans were transferring to XXXX. On XX/XX/XXXX, XXXX informed me that the U.S, Dept. of Education had decided there was " no need '' to transfer my loans. I applied for PSLF in XXXX of XXXX. I have worked as a XXXX for XXXX years. I completed the application and certified my employment. I have been in contact with both XXXX and XXXX multiple times, as in order for the loans to be forgiven, they must transfer to XXXX as per the Federal government. On XX/XX/XXXX I filed a complaint with you against XXXX. They replied, telling me to " be patient '' and " the loans are in transfer ''. This was a lie. I am now filing a complaint against studentaid.gov / U.S. Department of Education demanding to know why my loans were not transferred.
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made a payment of {$370.00} on XX/XX/XXXX. They pulled that and then another payment for {$570.00} which I did not make or authorize. No one could explain to me where it came from or how. They said they couldnt find anything on how it happened. All the can do is open a case she said. Told me it probably be easier to dispute it at the bank. So now Im out {$570.00} until someone can give me an answer. They also told me to use their email system next time, so I dont have to wait on hold. I informed her I already tried that avenue and get an automated response immediately saying that they are not answering emails at this time. The lady literally laughed at me. Absolutely ridiculous. Sat on hold for 4 hours yesterday because took out 2 payments, one of which no one could tell me why or how. Was told it would be over 6 weeks before getting a refund. This is an absolute joke. This is the third time Ive called this week. Spending more than 2 hours on hold each time just to be hung up on. I have no idea where my money is or when theyll give it back. No one seems concerned but me. I need that money back. They also turn there comments off on XXXX once they start getting overloaded with complaints which is almost every comment. Im not the only person having this same issue.
Company Response:
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX I requested my reinstated loan groups from my covid pandemic refund to be put on to my previously approved SAVE repayment plan. I had to do this because when I checked my student loans account on Nelnet, there were 3 reinstated loan groups that were NOT on the SAVE repayment plan. This can all be verified via the attachments ( call history, screenshots of my loan groups not on SAVE plan ). The Nelnet # called is XXXX. The customer service representative told me they submitted my request to the Repayment Plan Enrollment team, and also told me that it would take 5-10 business days to process the request. It is now XX/XX/XXXX so it has obviously been more than that amount of time. I have already had to pay for XXXX as I opted out of the 1-month on ramp under the belief that my reinstated loans would also automatically be put under the SAVE plan. This obviously did not happen either. I want Nelnet to expedite my request and immediately put my reinstated loans on my ALREADY approved SAVE plan. They have my approved SAVE application so I don't know why this is so hard, unless they are intentionally trying to get money from me.
Company Response:
State: FL
Zip: 32780
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Trying to get my application process before my grace period ends. My application was placed 3 months ago and have not had any update.
Company Response:
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On Tuesday, XX/XX/2023 I submitted my application for the SAVE Repayment Plan on the Federal Student Aid website. The confirmation email from FSA states : We have sent your income-driven repayment ( IDR ) plan request to your federal loan officer ( s ) to process the request. You can expect to hear from your service ( s ) within four weeks, but it may take longer if additional information is needed from you. ( See Attachments : XXXX XXXX XXXX ) Nelnet is my student loan service. On my account dashboard it states : APPLICATION REQUEST : Were reviewing your repayment plan application we received on XX/XX/2023. Please allow time for your request to be completed. ( See Attachment : XXXX ) Interest resumed on XX/XX/2023 and my payment was due by XX/XX/XXXX. ( My next payment due date is currently listed as XX/XX/23 which I have already paid and payment has been accepted. ( Compare Attachment : XXXX XXXX XXXX ) When I called Nelnet the automated answering machine states that email is the best way to receive information from Nelnet. I have received emails preparing me for the start of the repayment process. However, I have not received any emails from Nelnet regarding the status of my SAVE application request nor requesting any additional information. Nelnet has not contacted me within the contracted 4-week window. The servicer has not accepted or denied my SAVE application, nor requested additional documents. This has led to interest added to my federal student loans balance which would be paid on my behalf if my SAVE application was accepted. ( See Attachment : XXXX ) The Federal Student aid website, under the page SAVE Repayment Plan Offers Lower Monthly Loan Payments states : The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest. ( See Attachment : XXXX XXXX I have tied to reach out to Nelnet directly to fix the problem. And have been unsuccessful at requesting information from the company because I can not get through to a customer service representative. On Monday, XX/XX/2023 at XXXX XXXX : I called Nelnet twice to speak with a customer representative to discuss my loan terms. The automated called asked for my social security number, birthday, and zip code. The automated message said the the call center was not open and automatically hung up. Nelnets Website state that the call center is open Mondays XXXX EST. On Tuesday,XX/XX/2023 at XXXX XXXX : I called Nelnet again. Gave my social security, birthday and zip and instead of hanging up I was transferred to hold. The automated message stated it would only take a few minutes to wait on the line for the next available representative. I held for ~ an hour and did not get through to a representative.
Company Response:
State: MT
Zip: 590XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been on hold for over 1 hour trying to ask Nelnet to switch my graduated repayment plan to a standard repayment plan. There is no option for a call back or information on how long you will be on hold ( it said Estimated wait time is minutes, without specifying how many ). XXXX, on XXXX and XXXX, it seems hundreds if not thousands of others are having the same problem. This is a federal loan and they have been hired by the federal government to manage it, I did not choose to work with them. Their inability to manage their customer service is concerning.
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am in the midst of dealing with setting up my IDR plan to reflect my true earnings, as my current plan is reflecting income no longer received that was taxed in XXXX, but earned in XXXX. This is compounded by the fact that my child support was doubled this year in XXXX, despite having a split custody/shared placement arrangement. Needless to say, this has resulted in a further reduction of income, which I have been contending with as I struggle to also arrange payment to the IRS for a large tax bill, also due to the previous year 's earning from XXXX. I NEED ASSISTANCE FROM THE LOAN SERVICER. I have contacted FSA and made another change request to the IDR plan that was on file, as I am not able to make the payment as listed on Nelnet, and I have not been able to get through to them. I was provided with an update from FSA that the change would be reflected in up to XXXX weeks with additional correspondence from the servicer. I have attempted to reach out to Nelnet several times last month in XXXX, and now a few times in XXXX. Each time I am put on an incredibly long hold, never to speak with an advisor or agent, despite being given a " XXXX minute wait hold. '' This is absolutely unacceptable and quite frankly a little ridiculous. Until I am able to review my payment plan and submit my updated income information, which I have been attempting to do since XXXX, I refuse to make any payments.
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was on a XXXX driven repayment plan with Nelnet student loans and all of a sudden my payments stopped and it says the next is not due till XXXX. This is not correct and I have not authorized this. I need to be on the plan that I set up because I am in the middle of purchasing a home build loan and this needs to reflect what I authorized. I have been trying to contact Nelnet for weeks. Today I was on hold for over XXXX hours with no answers. I visited their facebook page and thousands of people are dealing with the same issue. I need to know what happened to my account and how can I get it back to the income driven repayment plan that I set up. Nelnet is not answering or complying with federal laws.
Company Response:
State: VA
Zip: 24401
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Ive tried to change the date of payment for my parent plus loan several times. I called 5 times and have emailed four times and have not gotten through to anyone. Its created excessive financial burden on me and my family because this terrible loan servicer has zero customer service.
Company Response:
State: MN
Zip: 55105
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL " [ XXXX XXXX ] LAST REPORTED DATE XX/XX/XXXXXXXX { REMARKS ON THE XXXX XXXX ACCOUNT NEED TO REMOVED & UPDATED } ''. " [ DEPT OF ED / NELNET ] LAST REPORTED XX/XX/XXXXXXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. " [ XXXX XXXX XXXX XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. " [ XXXX XXXX XXXX / XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. " [ XXXX XXXX ] LAST REPORTED XX/XX/XXXX. I dont recognize these account in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. negligent non- compliance 3. Civil liability 4. Mental anguish 5. Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) 6. Identity theft Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A