Date Received: 2022-01-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Issues regarding total disability discharge. There is a conflict of interest as the Department of Education has contracted the review process for the total disability discharge to a student loan provider, Nelnet. They are also my loan servicer and told me I could not apply and my circumstances didnt quality ( which was wrong information ). I can't contact anyone at the Depr of Education, or someone " neutral '' to ask questions regarding their answers ( which is incorrect ). How can I trust they will follow the law and I'm not being denied merely because they hold some of my loans? I can't reach the Department of Education, all numbers I've tried redirect me to private third party " certified consultants '' who tell me to go on the Dept of Education website for clarification. Where is my protection and help from Nelent and why can't I contact anyone give me assistance in overseeing the clearly unethical behavior of Nelnet and the Department of Education?
Company Response:
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In an effort to take advantage of the 0 % interest on student loans, I have been trying to make payments to Nelnet during the pandemic. I have repeatedly set up automatic debit payments only to have my payments put in an in school deferment without my consent, on several occasions. This has cost me hundreds of dollars in interest due to my interest rate being ridiculously high at 6.8 %. For example, in XXXX of XXXX I had my loan paid down to {$520.00} after making some lump sum payments on top of the monthly auto payments. When my school reported that I was attending full time, Nelnet automatically put me in an in school deferment and stopped my auto payment without my consent and without any notification and collected {$170.00} in interest bringing my balance up to {$700.00}! THIS IS ROBBERY!!!!!!!! And, this is not the first time Nelnet has done this! I have requested on multiple occasions since my return to school in XXXX that they do not revoke my automatic payments, yet they continue to do this and collect hundreds of dollars in interest from me. I am NEVER going to pay this debt off if they continue to steal from me in this passive manner. Please help me, I have no other recourse!
Company Response:
State: OR
Zip: 97080
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. these accounts are with DEPARTMENT OF EDUCATION NELNET INC, LOAN SERVICER. this is willful defamation. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, .DEPT OXXXX EDUCATION 'S NELNET XXXXNC. which is ( still reporting )?, XXXX has held an investigation longer then 30 days and with willful intentions to keep reporting another FDCPA violation liable for damages. I have peacefully notified all arrived with proof of claim and statement, and have defaulted Nelnet Inc, with a Notice of Default via mail XXXX XXXX. I have not authorized any reporting or information nor should the information be reporting on my reporting due the primary nature of this investigation and complaints of not have any written instructions or " permissible purpose " pursuant to 15 US code 1681 B, also 15 USC 1692, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. Not to mention the Nelnet Class action suit filed XX/XX/2021 due to predatory lending.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account is inaccurately and erroneously reported. I want to request for an investigation of this account. NELNET XXXX SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} Upon reviewing my updates, incorrect information was found in my reports. Above are the accounts that are reporting on my Credit Reports.Never late on this account How can it be 90 days late without first posting 30 days lates? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. I believe this information may be wrong. I need this removed immediately.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: As of XX/XX/XXXX, NelNet reports {$11.00} is past due ( despite federal moratorium on payments ). I've been on autopay Direct Debit with XXXX and have made all payments during the pandemic moratorium. XXXX sent me a Goodbye Letter dated XX/XX/XXXX notifying me that " Your loan account will be transferred to Nelnet on or about XX/XX/XXXX. '' That notice also stated that " If you are enrolled in " Direct Debit, your information will be transferred to Nelnet and automatic payments will resume.... There's no action for you to take.... Nelnet will continue from that point to draw your monthly payment amount from your bank account... Nelnet will let you know the first day it will debit a payment for your account. '' On XX/XX/XXXX, I received a Welcome Letter from Nelnet dated XX/XX/XXXX. This was my first correspondence from Nelnet. There are two errors here. First, Nelnet did not withdraw a payment for XX/XX/XXXX for the normal monthly amount of approximately {$750.00}. Thus, its servicing error has caused Nelnet to flag me as " {$11.00} is past due. '' Second, Nelnet has continued XXXX 's servicing error of noting that my account is due only for {$11.00} each month. XXXX was not properly applying my monthly payments ( that is the subject of another CFPB complaint that is still open ). This error can be pinpointed to sometime around XX/XX/XXXX when XXXX acknowledge it was misapplying my payments. On XX/XX/XXXX, and prior, my monthly amount was {$730.00}. Beginning with my payment on or around XX/XX/XXXX, XXXX changed my monthly amount due ( because it was misapplying my payments ) to {$750.00}. Consequently, XXXX also started reporting my account as due for {$11.00} each month instead of {$750.00}. Nelnet should accept responsibility for its failure to deduct my XX/XX/XXXX payment and/or send me payment information prior to the due date. Nelnet should also discontinue XXXX 's improper accounting and inaccurate monthly payment.
Company Response:
State: TN
Zip: 37215
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loans were recently transferred from XXXX XXXX to a company called Nelnet. Upon registering for this new loan service provider, I was taken to my 'account page '. Here is where my current contact info ( transferred from XXXX ), loan balances, and new monthly payment ( to start in XXXX ) were displayed. My new monthly loan payment being much higher than my last payment with absolutely no breakdown or explanation as to how Nelnet came up with this payment was the first red flag. Secondly, there is no history of previous payments on the loans that are now being carried by Nelnet. I went to the XXXX site and logged into my account there- no history of payments, communications, uploaded documents, etc were able to be found as they have been removed. This feels highly suspicious to me. Removing all documentation from the previous 5 years of payments from the XXXX site, and there being no record of transfer of that documentation to Nelnet seems, at least, unacceptable and, at most, predatory. I have reached out to both sites and have requested this be rectified or I will not be making payment on my student loans. I understand that CFPB is not at fault here, but it should be noted that this is a very sensitive time for student borrowers and actions like these do not instill confidence that student borrowers are not being taken advantage of. If you need any documentation from me, I am more than happy to provide everything I have and am willing to speak to whomever has questions for me.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have a XXXX XXXX student loan of about {$3500.00} most of it is penalties and interests I am not working I'm a XXXX patient I've told them I didn't have the money year after year they keep sending me and put me in collections putting it on my credit report this long should have been given in XXXX of 2020 when President Trump gave the approval we still supposed to be in the pandemic at this time and they're still calling and and turning me in late to the credit bureau nail that has created a problem for several people I've read I've seen the news they should be reprimanded and taken out of business because they are not a credible source for collecting debt in my words please stop nailing it and I was my loan was supposed to be forgiven. They are like some debt collectors that I've never seen before in my days of living they know that this is a pandemic and people are going through a lot right now and they continue to hit your credit report they've hit my credit report several times I asked him to clean it they don't want to clean it I think something should be done from through the government about Nelnet too many people have turned their net in please let me know what you find out thank you XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Dear Sir/Madam, XX/XX/XXXX. Good Morning. Happy XXXX XXXX. I am still awaiting on the forms to file a complaint on my student loans. I only owed about {$360.00} on my student loans and I have proof of my balance. I tried to contact Nelnet student loan services about 24 times with no success. My social security # XXXX XXXX XXXX and my e mail is XXXX and my telephone # XXXX, My address is XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, NY XXXX. Please send me the forms to file a complaint that I applied for since XX/XX/XXXX. Thank XXXX XXXX
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: in XXXX my student loans with Nelnet were put in forbearance due to hardship. I was told by the representative that they would stay in forbearance for 1 year based on my income. Instead the representative put my loans in a 1 month deferment. I then moved and by the time I got settled into my new state and mail forwarded. I received notification that my loans were past due. Confused, I got through the same process! I still have the emails sent to the student loan provider in XXXX and XXXX showing I was on food stamps, XXXX and met the income qualifications to stay in a 1 year forbearance. Keep in mind these calls are supposedly recorded and documented so there should never be an issue. I provided the documentation on several occasions between XXXX showing that I could not financially afford to pay back my loans. I was told each time they would be in forbearance based on my income, proof of government assistance such as XXXX, XXXX XXXX, XXXX XXXX and household size. Yet these representatives instead of helping me kept putting my loans in 1 month deferments. It took returning to school and finally speaking with a helpful representative to put my loans in the income based repayment program in XXXX. My issue is this late payment history that was no fault of my own has been negatively effecting my credit report for years. I have disputed, called, and sent a XXXX letter. I am a XXXX and Veteran and completely disappointed with how I was treated by this lender and the false information portrayed on my credit. Costing me thousands a year in predatory interest and directly effecting my ability to obtain new credit. keeping me in a position of hardship for years. The dates for these so called late payments do not even match on all 3 bureaus.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Nelnet student loan servicer started charging me for my loans on XX/XX/XXXX, before President Joe Biden 's first pause was set to expire in XXXX of XXXX. This is causing my account to be past due and they are charging me interest and fees. When I asked why they were charging me before the federal pause mandate was over, they did not have an answer. Furthermore, they said the only way that my account could be made current without paying the full amount due, which is now at {$1700.00} was to consolidate my loans and roll the past due amount into a new loan. They keep calling for payment, and provide no answers or other options.
Company Response:
State: RI
Zip: 02919
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A