Date Received: 2023-09-23
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: nelnet my current federal loan service claimed on their website that we could contact them to find out the payment history of the previous loan service if we could not find the history of payments in their documents tab. I emailed them almost a month ago and have yet to receive an answer! I also asked nelnet to provide the terms of my loan ( consolidated ) so I can find out when would the loan be automatically forgiven based on a 20 year or 25 year repayment ; nelenet never bothered to respond!
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: originally got loan through fasfa now they sold my loan to nelnet who will not give me any information about a repayment plan to start paying it down.
Company Response:
State: TN
Zip: 37207
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: When great lakes transfer all their student debts to Nelnet, Nelnet was asking for more than I owed and when I asked for a verification letter. They never responded.
Company Response:
State: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I applied for the federal student loan forgiveness program and was initially approved, only to later have the program denied in court. Nelnet, my loan servicer, informed me that the US Department of Education had supposedly issued a {$20000.00} check to offset the negative balance in my account resulting from the canceled program. However, I never received this check, and my attempts to resolve the matter with Nelnet have been limited, with only one phone conversation in early 2023 where they explained the {$20000.00} balance I am now expected to pay. This discrepancy has left me in financial uncertainty and frustration, prompting my complaint to the CFPB to seek a resolution.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: STUDENT LOAN SECURITIES INVESTIGATION : For School Loan/Note collectors/Assignment ( Servicer ) Under the Fair Debt Collection Practices Act., Anti-Money laundering Act ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... Servicer ( s ) : Name of Debt Collector : NELNET ; Postal location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NE XXXX : Nelnet : XXXX XXXX XXXX, XXXX, NE XXXX, Attn : XXXX : XXXX DBA CEO NELNET/Authorized Representative ; ..... Account : XXXX ; Account XXXX start date on or about XX/XX/XXXX -- - Date : XX/XX/XXXX ..... Re : Debt Validation Refile CFPB prior CASE # XXXX. -- - for NELNET not Responding ... ...... This is a refile per NELNET, failure to prove the debt validation documents I demanded via CFPB CASE # XXXX. This refile for their failure since if this was a matter about privacy they could have mailed debt validation documents directly to me, thus they presented no facts to justify a privacy claim as reason they refuse to validate the {$120000.00} alleged debt ... ... .... Therefore, this is my 4th request for debt validation via mail and CFPB and newly sent via Certified Mail : XXXX on XX/XX/XXXX, as per NELNET debt Notice letter dated XX/XX/XXXX, requesting to provide the Name and address for Creditor and other documents for this alleged debt, including Power of Attorney, Anti-Money Laundering Act. 803 Definitions : ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection... ( 3 ) The term " consumer '' means any natural Person obligated or allegedly obligated to pay any debt... ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 15USC 1692c et. Seq. Thus, for I, Under Declaration of Trust ( u/d/t ) circa ( year born alive ), beneficiary, consumer, representative for ( third Party XXXX, XXXX ), fully competent, at majority age, ask these questions as per : FDCPA 15 USC 1692 1692p ; 15 USC 1692h 809. Validation of debts, ( a ), ( 1 ), ( 2 ) the name of the creditor to whom the debt is owed, ( 2 ), ( 3 ), ( 4 ), ( 5 ) ; ( b ) Disputed debt. In writing within 30 days, for name and address of original creditor... ( e ) Notice Provisions ; Fraud has no statute of limitations. The clock starts from the moment it was found out ; Therefore, I am asking you : XXXX : XXXX DBA CEO NELNET/Authorized Representative person making claim, for the name of the creditor for this alleged debt. In addition, I am asking you : XXXX : XXXX DBA CEO NELNET/Authorized Representative person making claim, for the {$120000.00} dollars extension of credit payment transfers, showing evidence for where the funds derived, money transfer transactions receipt of funds processed on my behalf for debt validation demands of said repayment as per, ...... BANKING SECRECY ACT/ ANTI-MONEY LAUNDERING ACT ; 15 U.S. Code 78c - Definitions and application ( 37 ) The term records means accounts, correspondence, memorandums, tapes, discs, papers, books, and other documents or transcribed information of any type, whether expressed in ordinary or machine language... Further, I also ask for the Lender Power of Attorney ( POA ), I knowingly granted to the Parties, to make any money transfer transactions and file taxes on my behalf/interest? Upon receipt of this correspondence, you have 30 days to satisfy the asking, or cease and desist all further actions ..... In conclusion, I am requesting disclosure records for the note security instrument transactions for {$120000.00} receipt of funds for said loan for evidence that the note made me a debtor with repay obligation said, student loan. Thus, since I am solution oriented, and want to show good faith, there are two ways of resolving this matter. Since they already accepted my note tender of payment and not returned it, you can instruct servicer to credit my Account Receivable for the sum said in full for settlement and closure. Or, provide the Accounts Payable *** cash receipt for the note***, including the above disclosure for evidence of funds/money transferred on my behalf for said loan disbursements which obligate repayment. Otherwise, I will consider this matter settled and closed. See attached : NELNET notice of {$120000.00} allege debt demands dated XX/XX/XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .END..
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Had Great Lakes as my initial loan servicer. Loans were transferred to Nelnet this XXXX. Last year in XXXX I had filed to have my loans returned to standard payment plan and out of IBR due to lower estimated monthly payments after I had made a substantial payment during forbearance. Was assured during 2 phone calls that my loans would reflect the requested change to standard payment plan once COVID forbearance ended. Loans were then transferred to nelnet and my first statement shows I'm still under IBR on all but 1 loan even though I've not recertified my current income in nearly 5 years. Reapplied to have my loans returned to standard payment plan again on XX/XX/XXXX. This still has not been processed on my account. Spent 3 hours on the phone with Nelnet on XX/XX/XXXX with first rep answering after 2 hours and 20 minutes. First rep told me my account number was invalid and I was transferred to another department. Second rep answered after 10-15 more minutes and he told me I was in the wrong place and that the first rep was " not supposed to cold transfer '' and should have stayed on the line to explain the situation to him. Luckily this rep did explain what he could but basically said everything is pending and I'll have to wait a few more days. I had made the initial payment, that is substantially higher than what the standard payment is to be, because I was unsure of how long the processing would take and I didnt want to have my first payment be late. Now, even AFTER making that payment my account is reflecting a balance due without telling me which loan has the balance still due. The service rep is now telling me that 1 of my loans has a different due date than the other 5 which means I will have to pay on my loans two separate times each month. He recommended that I wait to request a single due date as not to confuse their system with multiple requests for changes to my account.
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I applied for a mortgage through a local lender and they brought to my attention that my student loans are reported to XXXX as in collections by Nelnet even though they have been in good standing for over three years and the collections issue has long been resolved. This issue has not only been negatively impacting my credit score and my consumer credit report for over three years but it has also prevented me from being able to purchase a home and take out other forms of credit, it has incorrectly increased my debt-to-income ratio and has caused significant financial hardship due to Nelnet 's negligence in properly reporting my student loan status. I have attempted to contact Nelnet to get this issue resolved as the mortgage loan process can not go forward until this issue is FIXED BY NELNET and it is impossible to get through to a person in their company. I have attempted to call three times in three days and it is always at least a 90 minute wait if they answer at all. I have yet to actually speak to a person at this company. My loans were transferred to Nelnet from Great Lakes and they are by far the worst student loan servicing company in existence. Why would they take on these additional loans from another servicer if they clearly did not have the capacity to actually service them and provide any semblance of customer service support? I will be seeking legal counsel if Nelnet is unable or unwilling to fix this issue that they created.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been trying to reach Nelnet about changing my repayment plan from a XXXX XXXX Plan to a XXXX XXXX Plan. I have tried to call on two separate occasions. The first time I was on hold for over 30 minutes and no one answered the phone. I then tried to email the request through the request form on their website. I have not yet received a confirmation email that they have even received my email. I then spent over 1 hour on hold today and again no one answered the phone. I do not have time to take off work and wait for an unknown amount of time for someone to respond to a phone call, and I would have expected someone to even acknowledge they have received my request via email.
Company Response:
State: MI
Zip: 48864
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Contacted NelNet via email at XXXX on XXXXXXXX and received automatic reply stating " Thank you for your email. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). We apologize that we arent able to answer your individual email, but we believe that one of these options may be the fastest way to answer your question ''. I am unable to create an online account and was instructed via their website https : //nelnet.com/welcome to do the following " We do not have a current, valid email address or phone number on file for you to send the authentication code to. Please call us at XXXX to gain access to your account. View our hours at Nelnet.com/contact. '' I called NelNet at XXXX on XXXXXXXX and waited on hold for 1 hour and 31 minutes ( XXXX to XXXX my time HST ). I was continued on hold even though their business hours on Fridays are XXXX to XXXX EST. I hung up since their offices were closed. I never spoke to a representative.
Company Response:
State: HI
Zip: 96826
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A