Date Received: 2022-10-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2022, I called Great Lakes Borrower ( XXXX ) and requested a refund for the payments I made during the COVID deferment period. This amount totaled {$5200.00}. I was advised by the male representative that I would receive my refund back in XXXX days. After seeing concerning posts online about how XXXX changed the return dates have been extended to XXXX days, I followed up on XX/XX/2022. I was advised that it would now take XXXX days to receive the amount. I was told I didn't need to do anything further. At this point the amount I owe had not updated. I have seen online in places such as XXXX, where people who requested for refunds in XXXX ( this is well after my request date ) have already received their payments. On XX/XX/2022, I called and spoke with a female customer service representative who was less than helpful. She told me she wasn't sure why other people would receive a refund before me. She explained that some people get their refunds in the XXXX day window, and others it takes longer. She then said I was still in the XXXX day window ( I was well out of it. ) She told me I should see my balance update within the next week or so. Here I am over a week later, still no updated balance, still no refund. I have concerns that I will not have an updated balance before my loan is forgiven. This has been a very disheartening experience, and I feel awful for anyone who uses this service for future student loans. Please be aware of who you are using being signing into debt because you are at their mercy. If I owed this company over XXXX, they'd be coming for my throat with XXXX time to respond.
Company Response:
State: WV
Zip: 263XX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have requested a refund from Nelnet under the " Cares Act '' over a month and a half ago. I have had to call Nelnet daily to get information and updates about my refund being processed and mailed to me with a check. Each time I talk to a representatives I get different answers and when I state that another representative gave me different information, they say that they were wrong and the new rep is right. I need solid answers as this is important to me. I dont need the run around. I need to know when my check is going to arrive at my address.
Company Response:
State: FL
Zip: 33603
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I graduated from XXXX XXXXXXXX XXXX XXXX in the year 2000. I borrowed XXXX XXXX XXXX, obtained by filing a XXXX application, for each of the XXXX years I attended. After graduation I consolidated the XXXX loans through XXXX totaling about {$17000.00} in debt that I was to pay back. In the years since, I have payed when I could afford to, but given that every major life change has been met with a recession, sometimes I just couldnt afford to. Ive probably paid back around {$20000.00} in the last two decades, but after going through XXXX defaults and subsequent rehabilitations, I currently owe more than {$65000.00}. After starting with XXXX XXXX my loan went to XXXX, who kept me in deferment for most of a decade. They recently sent me a check for a nominal amount of money as a pay out for a class action lawsuit brought against them for that practice. After my last rehabilitation my debt was moved to Nelnet. Somewhere in all of that my debt became reclassified as private despite still being listed on Studentaid.gov as an XXXX loan. Nelnet has insisted I pay and charged me interest throughout Covid, insisting that my debt is private and therefore not covered under Covid relief. When I complained, Nelnet relieved me of a couple of months worth of interest and past due payments, but immediately started sending me bills expecting me to pay despite the relief included in Covid relief. When I insisted that my debt was public, they refused to work with me. I put in a complaint with Studentaid.gov, but all that was done was to check with my debt holder and believe them instead of me. Feeling helpless, I hired a lawyer through XXXX, XXXX, XXXX XXXX law firm who had me fill out a form to reconsolidate my debt as public and have it transferred from XXXX to XXXX. Despite paying a retainer of around {$1000.00}, as best I can ascertain, none of these forms were ever filed with the respective institutions. Each time Ive reached out to the lawyer I hired through that firm, Im told they will check about the forms and get back to me. I then get a bill for contacting them but never hear back. I will apply for the current loan forgiveness, but as my debt is erroneously listed as private, Im sure to be denied any further relief just as I didnt get any Covid relief. I am reaching out and telling you this story because none of the systems in place to protect me are working. Without more thorough and effectual relief this debt burden will continue to grow, holding me back in life, and any further relief offered by the federal government will continue to be denied to me.
Company Response:
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I have sent requests to both Nelnet and XXXX for the original instrument of indebtedness to prove I owe over {$10000.00} in student loan debt. It has been over 30 days and I have not received it. I have called XXXX to have the debt removed and they have refused and can not tell me what information they have been given to validate the debt.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: After finding out that I was given wrong information that I dont qualify for student loan forgiveness and could have qualified for student loan forgiveness I requested to consolidate my loan into direct loans By contacting nelnet today at XXXX at XXXX XXXX mountain standard time. The representative stated that I should have consolidated by XX/XX/XXXX in order to be accepted. I stated I was given wrong information by a nelnet representative when I had called as I had asked if I can qualify for student loan forgiveness. Rep asked what day was this I said I dont recall what day and they stated they can look it up to listen but will have to transfer me to a manager as rep stated there is no notes stating rep on XX/XX/XXXX said that. I requested that she pull the recording and transfer me to a manager. I was transferred to another representative by the name XXXX XXXX XXXX stated he is an account XXXX he said he listed to a call on XX/XX/2022 at XXXX where the rep did say I do not qualify however there is nothing they can do about it now he stated he will submit the complaint but I should have consolidated my loan into direct loans by the deadline.
Company Response:
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom it May Concern ; This is in reference to the Consumer Report sent by NELNET. While checking my credit report, it came to my notice that NELNET has furnished an account ACCOUNT # XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the XXXX major Credit Reporting Agencies XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by NELNET will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit XXXX XXXX without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or NELNET, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. If you do not cease communication I will escalate the matter to a Federal Complaint. XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been disputing this account for months, late payments are illegal, I have been stressing this factual law with Nelnet. They have been in violation. In exhibit " A '' Nelnet have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and Nelnet keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. Nelnet also violated my right to privacy as pursuant to 15 USC 6802.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet has violated my federally protected rights under the FDCPA and FTC Rule CFR 433. My student Loan was Transferred to XXXX XXXX then Nelnet without my permission or awareness violating XXXX. For both companies. Nelnet failed to provide documentation showing they are the Holder in Due Course which means they have no legal rights to collect. I was never obligated to pay you a third party debt collector for this alleged pursuant to 15 U.S.C. 1692a-3. You have used abusive. deceptive, misleading means to collect on an alleged debt violating 15 USC 1692e. Check attachment for more instructions.
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I requested for a refund of all my federal student loan payments made since XX/XX/2020 per the CARES act. This refund was initiated and requested late XXXX, and from the customer service, they stated that it would take roughly 3-6 months. This is ridiculous, and I have not heard any sort of confirmation from them. I would like some sort of confirmation that my refund was requested and processed sooner, as it is ridiculous to have to wait 6 months for my refund to go through.
Company Response:
State: NY
Zip: 11779
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I called about my first refund request on XX/XX/XXXX and have seen people who put in get theirs way after me. Reps have told me different things. I was told I was on the old system so the one guy I talked to said they changed it to a new system and would probably better to resubmit. But then told me I'd have to wait maybe another 60 to 75 days. I don't understand why I wasn't informed of that earlier. Either way I want the refund to come before XXXX or next year. I've already been waiting at least 50 days before I had to resubmit my request. I resubmitted the new request on XX/XX/XXXX. They said they recommended I resubmit with the new system. Either way this is ridiculous. I'm with great lakes servicer. My account ID is XXXX. The last payment I made was XX/XX/XXXX for XXXX and the reference number is XXXX. Please help me get this solved. I feel the us department of education should also be contacted about this issue which I've tried and got no response.
Company Response:
State: PA
Zip: 17404
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A