Date Received: 2022-05-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet is saying my account is past due. XXXX they are servicing two of my loans ( groups of loans ). On one of them, they haven't sent me a statement since XXXX. When I call them they tell me that the sent a statement over the weekend ( XX/XX/14 ) but the payment was due on the XXXX. They offer forbearance, but I want to make my payments. This is the second time they just stopped sending statements and I had to call. I believe that they intentionally induce late payments by not mailing statements ; they try to force you into online accounts and e-payments. They are not helpful. Customer service is terrible.
Company Response:
State: OH
Zip: 449XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. Reports that contain information as to transactions or experiences are to be excluded from consumer reports. Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply. Please address ALL violations in a XXXX period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to XXXX, XXXX, and XXXX. Thanks again for your cooperation, XXXX XXXX
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Nelnet who processes my XXXX XXXXXXXX XXXX is lacking in communication. I got a statement notice this morning ( XXXX XXXX ). When I logged on I received a message saying I was late on my payment by 12 days! I messaged their customer service and told them I never received an email or paperwork saying the loan was going to start repayment. President Joe Biden extended student loan repayment due dates until XX/XX/2022. When I told the customer service representative this they said mine doesnt qualify because its classified as XXXX XXXX XXXX XXXXXXXX, not XXXX XXXX XXXX. At no time did I ever Receive any communication from Nelnet that said the previous two years of no required payment due to the pandemic was for XXXX XXXX XXXX only, and not XXXX XXXX XXXX XXXX. Had I not looked at that statement today I would have been delinquent on my student loan and they would have tarnished my credit report. This can be detrimental not only to me but others carrying a similar XXXX XXXX. This company Needs to communicate this type of information much more affectively. My guess is they didn't notify people because they want to collect late payments etc.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: NELNET , INC. reported an alleged debt to my XXXX, XXXX, & XXXX credit report which is a violation of 15 USC 1692c ( b ) 15 USC 1692b ( 2 )
Company Response:
State: MS
Zip: 39648
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Direct violation of 15 USC 1681s-2 ( a ) ( 1 ) E ) ( ii ) Department Of ED/NELNET - {$3700.00} Department Of ED/NELNET - {$2400.00} Delete Now .
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In XXXX my federal student loans were XXXX due to XXXX. I was under evaluation for XXXX XXXX. I have substantial overhead of a business and medical nature, as I must have some additional income beyond my meager social security XXXX check, to pay for healthcare-related expenses that are keeping me XXXX. When I wasnt stable enough to consult formally, I bartered with healthcare providers and an XXXX research organization in exchange for XXXX XXXX products ( many not available elsewhere ) and healthcare services like XXXX. It didnt earn income most of the time and occasionally I consulted or freelanced on top of it to get out of dire needs. As a result, Nelnet ( my student loan servicer ) repealed my student loan discharge in XXXX on the basis of excess gross income. Thats absurd. I am a 1099 sole proprietorship who pays business overhead ( things like flight and research costs ) and healthcare expenses. Its not gross personal income. All I needed to do is establish hardship into the future ( which I did in follow-up online submissions at their request ). I was living in poverty off and on for years, mostly between year-end XXXX to mid XXXX. I appealed as soon as I could but I was XXXX and my receipts were not stored with me. By the end of the year, I uploaded all receipts for overhead expenses ( business-travel, office, and healthcare and XXXXaccessible associated expenses ). Nelnet asked for more documentation spanning additional years to establish hardship. I did so, and proved that I had been XXXX XXXX XXXX for several years ( end of XXXX to XXXX evidence was provided, although I was displaced through part of XXXX until I took anotheXXXX XXXX XXXX XXXX that was work-from home and would accommodate my XXXX ). I uploaded the second batch of documentation files to Nelnet and took a screenshot, just as I had done before, to the student loan discharge account they create for me. Without responding to my appeal, they closed the account. I was assured a response and waited several years for a response ( paying the last bit of money in my procession, while XXXX, to keep a XXXX XXXX just to hear from them but they never responded, despite assuring me ). They closed my account and turned it back over to the USDE who gave me an income-sensitive forbearance in XXXX while I awaited Nelnets response. It never happened. Eventually, I had to close my mailbox and the last I checked mail was XX/XX/XXXX. Meanwhile, my 1-year forbearance with USDE could not be renewed because I no longer had a mailing address and virtually no family or friends in my life at the time. I called USDE on my sisters phone because I eventually couldnt afford much of a phone plan at times ; I begged them but they refused to help me in any way to make payment arrangements or forbearance ( because I didnt have a mailing address ). I asked to speak to a manager and she argued with me for XXXX minutes saying that they dont help XXXX who do not have a formal mailing addresses. My late uncle would not let let receive a letter at his house ever, but especially in XXXX because he had XXXX and couldnt open mail himself. I was there briefly during my sisters second XXXX XXXX / XXXX XXXX to help her and her XXXX baby. I have had extraordinary circumstances and hardship at times. I have faced XXXX in XXXX ; then, my temporary apartment I was staying in was vandalized ( ransacked ) and deemed unsafe on top of it. That was the just the first time I dealt with XXXX during the evaluation period. I took a less-than-XXXX-hour XXXX position for 3 months at the end of XXXX and one month at the beginning of XXXX ( to cover out-of-pocket paid handicap housing and healthcare expenses ). The money went to XXXX XXXX housing expenses which are exorbitant, as well as the research products and over-the-counter health products and extensive prescribed diet that have kept me XXXX When I was consulting ( out-of-town ), the storage unit company had a whole in the roof and my items suffered water and mold damage which accrued additional expenses. I was XXXX again in XXXX, when I had to abandon over XXXX of property. I briefly took a job ( 2 months of low wages that only covered my health products and transportation and moving expenses ) in XXXX and then just a few hours of XXXX later in her year but I required office space which costs money. Saving my life has been work and it has required living overseas or living in a hostel, sleeping daytime in a XXXX XXXX XXXX XXXX at timesjust to afford healthcare I have letters of medical necessity for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and a statement stating that malpractice contributes to additional expenses out-of-pocket expenses for me ( I am denied services in mainstream medicine except in out-of-pocket care and the XXXX XXXX were caught covering my XXXX and XXXXXXXX XXXX ; I had to pay for XXXX XXXX and at times leave the state to prove what was going on ; I contacted the FBI more than once and the medical board promised they would let me submit everything electronically and they never responded to me either ). I am also being harassed and set up by a law firm ( it took me years to discover who it was ) but a woman obsessed with finding my private medical and lifestyle info revealed it to me after I called her out on it and for knowing things about me that I never told her. I was then threatened by another one of their investigators ( who they hired at my hostel ) after the man became infuriated that I would not discuss anything with him ( he said he was getting paid to XXXX XXXX XXXXXXXX ) ; its been going on for years, most recently being followed by a man accusing me of stealing my own bag and following me into XXXX ( he led into XXXX after me saying, hey, wait, you did we we were going to XXXX XXXX XXXX XXXX XXXX XXXX XXXX together. I have contacted the police and FBI over it. The FBI must be very busy and the police say there are no resources to help me. The investigators continuously break into my accounts and keeping up with cyber security is a near full-time job. I have been grabbed and blocked on the sidewalk by these detectives. My sister, who now lives with, can confirm some of the cyber security and XXXX issues. It started in XXXX following malpractice when I had a XXXX XXXX ( less than 2 weeks following XXXXXXXX XXXX ) and was drinking contaminated well water ( multiple chemicals ) in XXXX and the town closed my well. My case was highly unusual because of a XXXX XXXXXXXX and was overseen by a physician named XXXX XXXX ( who worked hard to cover it ) as well as XXXX XXXX who XXXX me over and over at XXXX XXXX until I almost XXXX XXXX and they were forced to admit me to the hospital ; I was violently XXXX I suddenly found myself being followed and each year the harassment gets more invasive ( especially when I had to live in hostel dorms because there was no way to get away ). However, the malpractice was not limited to XXXX XXXX and extended into their affiliate hospitals. This is not a delusion of grandeur. My malpractice is written about by my other physicians ( private pay ) and I can submit the letters. In XXXX, I discovered that key files were misplaced and my taxes were in a trash bag ( by my former personal assistant who assured me everything was still there but re-arranged ). I eventually discovered that my assistant had taken key legal evidence ( medical and legal records, many meant for the district attorney because my gas pipe had been cut in XXXX in XXXX and I was determined by XXXX XXXX XXXX XXXX to be sabotage ; it also contained my USDE file ; 2 tax years were stolen too but I had scanned the receipts prior ). In XXXX, I was finally able to get a mailing address again ( XXXX XXXX XXXX and I hired a new assistant to help me get the remainder of my files to new storage. I provided the mailing address to USDE and Nelnet but they both ignored me. USDE turned my account ver to collections. I tried to get a payment plan but they would not allow me to on the basis that I put our old family lawyer on my account to investigate the issues with Nelnet. Because I added his access to my USDE account, the collections agency said they were not obligated to communicate with me or make a payment plan. But, the lawyer was too busy to help me. I asked the collection agency to put this policy in writing and they said they would not. I XXXX pretty badly from XXXX XXXX among other things and my doctor ( who cost me over {$800.00} for the year ) re-discharged my student loans in early XXXX. I sent the letter and forms ( forwarded directly from my doctor ) to Nelnet using the email address they provided on their discharge form. It was from an email address I have had for years but it was new to Nelnet because they old email address they ignored for years AND I dont use it any more. I had problems with the old email. Nelnet sent an automated response to the new email address saying the would respond to my submission. They never did. I had to contact them after they waited over 8 months to follow-up on my new discharge forms. When they did respond, they said my doctor would need to provide new forms because the date was beyond three months. I said, its older than 3 months because they ignored the submission and their request was irrational. They acknowledged my change of address but not mail new email address. But, they insisted I needed re-resend the forms over which pushes out the discharge date and incurs more penalties and fees and interest. Meanwhile my doctor was XXXX with XXXX XXXX and I dont have the heart to bother him. His office is many months behind on paperwork and still havent responded to documentation requests. Finally, after ignoring my change of information for over a year, they finally updated my email address. I thanked them and then requested that they acknowledge my prior student loan discharge submission ( from XXXX ) and provide a transcript of my student loan account and a transcript of my customer service interactions. They are ignoring that email. I have tried to file a complaint with USDE and the website wouldnt let me ( see uploaded documentation ) more than once! I also tried to file a discrimination complaint against USDE and the agency overseeing government discrimination wouldnt help me but wouldnt tell me who could help me. During Covid I was sent emails that penalties and interest would be deferred but the collections agency would not. I have XXXX in interest and penalties and ruined credit. They continued to request my contact info over and over like I didnt provide it over and over. See emails. On XXXX, the USDE sent me an email asking if I wanted to place my loans in deferment and hit reply with a yes if so. I did but they ignored the request. See email screenshot included. Meanwhile, penalties, fees, and interest compiles. My credit is ruined. Its not right.
Company Response:
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Tried to reach out stating I couldnt pay the loans off due to job charge and lower pay XXXX cant afford to pay off with XXXX kids and trying to provide a home for them.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as Deptednelnet are currently reporting inaccurate information XXXX, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! Deptednelnet are currently reporting inaccurate information XXXX, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 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 instructions of the consumer to whom it relates.
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I have long struggled with the loan repayments as a single mother to a son with XXXX needing special intervention. Despite having XXXX college degrees, I have difficulty making ends meet. I always work full time and have *at least* one or two side gigs to supplement. I didn't realize until the pandemic that when I refinanced/consolidated my XXXX XXXX loans to NelNet, I was put into loans backed by private lenders, so I am not qualified for any of the assistance others are getting, including the Covid forbearance OR the Public Assistance Student Loan Forgiveness program . When I applied for the XXXX XXXX XXXX XXXX XXXX, I was informed my servicer would be notified and I could place the loans on hold for up to a year while the determination was made. I uploaded the documentation, but they did not acknowledge or accept it. Yet, interest and penalties continued to accrue. I have tried a few times to call NelNet and had difficulty reaching an actual person with whom to speak, which was different from past experiences, and this may have been due to the holiday season. I uploaded the documentation again, but they did not acknowledge or accept it, and since XXXX NelNet has decimated my FICO by reporting delinquent payments. NelNet finally offered a 3-month administrative deferment, beginning XX/XX/2022 ( and still hit my credit reports later that month ), while simultaneously removing the subsidized component from one of the loans. I was laid off from my job at an escrow and title company, along with another, because we were at the bottom of seniority and the real estate markets have slowed. This occurred on XX/XX/2022. I have applied and been awarded unemployment and am once again searching for a job. I attempted to update my deferment to reflect this information, and NelNet has denied it, though I am still looking for the reason why. NelNet has hit my credit reports for three consecutive months so far. My XXXX has dropped more than XXXX points because of it.
Company Response:
State: CA
Zip: 93446
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A