Date Received: 2022-10-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Nelnet loan servicer has lost my income-driven repayment application. The customer service representative suggested that I give a verbal application via phone call. They did not send a confirmation after the conversation was complete and my verbal application did not save to my account.
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I understand that I had promised to pay NELNET {$10000.00}. I was paying on this for XXXX years and XXXX months faithfully. I was attending XXXX XXXX through Corinthian Colleges who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence : ( https : XXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the XXXX, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than XXXX years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within XXXX days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only XXXX who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within XXXX days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. Without Recourse, XXXX XXXX
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/22 : Called Nelnet to request a refund for student loan payment from XXXX XXXX XXXX Told it will take up to 4 weeks. No confirmation email received that I requested a refund. XX/XX/22 : Called Nelnet to verify my request has been sent as I didn't receive a confirmation. Was told they don't send emails. Was now told the refund process can take up to 6 weeks. ( no update or heads up that it will take longer, had to call and find out ) XX/XX/22 : Called Nelnet to clarify if refund will be mailed or automatically deposited in my connected bank account. Was told it will be deposited if my bank account is connected to Nelnet. Also told only people whose refund is rejected will get an email. I confirmed again that my refund request is in the system. XX/XX/22 : Called Nelnet to ask about update regarding my refund. No update from Nelnet 's end. Was told it will take longer than 6 weeks now. ( Again, no update regarding processing time ) Also told how they will email if request will get approved or denied. Now they said my refund will be returned via check and not automatic bank deposit, despite calling last week to confirm. I asked how they were processing the refund requests as I know people who requested after the date I made it and they've already had their accounts adjusted or already fully refunded. Representative told me she does not know how they are processed and what order they process it in. The 6 week mark is coming up in 2 days and she basically insinuated calling in every day won't speed up the refund process.
Company Response:
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: On XX/XX/2022, I was informed by my employer, XXXX XXXX, that a letter from Nelnet was sent to their office for me regarding a possible student loan debt. This is an invasion of my privacy as well as harassment at my employer 's corporate office. I live in Montana and my employer 's corporate office is located in New York XXXX. There is no reason to send my personal mail to my office where I can not receive it. It is clearly harassment and needs to be stopped.
Company Response:
State: MT
Zip: 59404
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had initially contacted Great Lakes ( my student loan servicer ) on XXXX XX/XX/XXXX in order to enact a student loan payment refund under the CARES Act in order to get my student loan payments refunded that I had made from XXXX of XXXX to date. I had used their online services to send them email to request this refund, followed up by a phone call to them in order to ensure that they received my request successfully. The gentleman on the phone went over some details with me, ensured me that my request had been submitted successfully and that I should expect my refund within 30-45 days. After a few days, I received a call from Great Lakes regarding my refund request. The lady on the phone wanted to double check what dates/amounts that I was requesting the refund for. I informed her that I was essentially requesting enough of a refund to get me back to a {$10000.00} balance on my student loans, if possible. With that, we went down the line of my payment history on the Great Lakes website and concluded that XXXX XX/XX/XXXX to XXXX XX/XX/XXXX would be the requested date range for the payment refund and that the total refund would be {$5500.00}. The female representative from Great Lakes on the phone assured me that we were still looking at about 30-45 days for the refund to appear and agreed with that timeline. Following some weeks, I had still not heard nor seen a change in my student loan balance on Great Lakes or a refund in my account. With this, I decided to give it a few more days/another week or so before I called Great Lakes to get a status update. Upon calling their customer support line on XXXX XXXX, I was informed that my refund was still being processed, despite it being over 40 days since my request was submitted. Unfortunately with this call, I was informed that my request was now looking at a time line of 60-75 days, despite having submitted my request all the way at the end of XXXX prior. Unable to help me any further, I thanked the representative for their time and ended the call.
Company Response:
State: WA
Zip: 98516
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX I called Great Lakes to issue a refund in the amount totaling over {$16000.00}. They informed me that request should take no longer than 30 days and my account would be updated within 20 business days on the request was approved by the Department of Ed. On XX/XX/XXXX, 5 weeks had passed with no update to my account or update on my request. I called Great Lakes for an update and was told that my account should have been updated by 20 business days, and yet it was not. I also still had not received a refund or and update on the request. They informed me that my request was approved with the Department of Education but it was " in process ''. They had not informed me that it could take up to 60 days. As of XX/XX/XXXX there has been no progress on my request. It has been over 50 days since I initially requested my refund and have seen no progress. There are multiple testimonials online with others submitting requests later than mine and receiving their refunds already. I do not understand how there isn't a priority depending on when a request was submitted.
Company Response:
State: MN
Zip: 55118
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I requested a payment refund from XXXX XXXX for overpayment of my graduate plus loans during XXXX pause under the XXXX XXXX on XX/XX/XXXX, being quoted XXXX days to issue the refund. However, I've received no confirmation or status updates from XXXX XXXX via email or when calling. They've now quoted me via phone up to XXXX days. I'd like to have my refund processed inmediately so I can apply for student loan forgiveness.
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I contacted Great Lakes Borrowers Services on XX/XX/22 to request a refund of the payments I made during the COVID-19 pause and verified the amount of {$8200.00} would be refunded back to me in the form the payments were made via direct deposit. The representative was polite and placed me on hold while getting approval and once she returned she told me the request was approved and I should see my refund within 5-7 business days. After not hearing anything or receiving anything I called again on XX/XX/22 and was told to be a little more patient and that it actually takes 4-6 weeks. It is now going past the 6 weeks and nothing still has been received.
Company Response:
State: AZ
Zip: 85335
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX, I called and spoke to My Great Lakes representative. I requested all my XXXX & XXXX optional loan payments to be refunded ( 22 payments totaling {$11000.00} ). I was told 30 days. ( 30 business days would have been Friday - XX/XX/XXXX. ) I have waited over 44 days ( 30 business days ). The servicer is not providing my refund within a reasonable timeframe. The servicer is not fulfilling refund requests in the order that they have been received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38117
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In light of the announcement about student loan forgiveness, I called my servicer, Nelnet, on XX/XX/2022 to ask if I should consolidate my loans in order to qualify. I was told that it wasnt yet known if my refinanced, originally XXXX loans would be eligible or if they would need to be consolidated in order to qualify, but if it did turn out that consolidation was necessary, then I could do so at any time. I found on XX/XX/2022 that loans such as mine would need to be consolidated to qualify, and the XX/XX/2022 deadline had passed. I called Nelnet again that day, asking that since I had asked on XX/XX/2022 and been given bad direction, if a consolidation could be processed and back dated. I was told no, and that employees at Nelnet had been given direction to tell callers not to consolidate. Its terrible that the servicing company made the decision to direct consumers who were acting in good faith to not consolidate, causing them to lose out on loan forgiveness. I suppose in order to cut down on a deluge of paperwork? Awful experience.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A