Date Received: 2021-03-25
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Nelnet has been down and unable to receive payments for well over a month -- I want all interest accrued during this process through no fault of my own to be waived. This is unacceptable customer service, and I do not want to have my credit damaged or interest to accrue Seek immediate guidance and a record.
Company Response:
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I AM CONCERNED ABOUT THE ARTICLE I READ XXXX FINANCE ABOUT STUDENT LOAN CANCELLATION FOR STUDENT WHO ATTENDED XXXX XXXX XXXX DECEPTIVE AND MIS LEADING PRACTICES ESPECIALLY XXXX GO BACK SCHOOL WE HELP YOU FIND JOB ADVERTISING DIFFERENT AFFILIATES WHO THEY PARTNERED WITH. PROBLEM I HAVE IS THAT MYSELF AND THOUSANDS OF OTHERS WHO ATTENDED FROM XXXX, XXXX XXXX UNTIL XX/XX/XXXX. ARE NOT ONLY BEING LOOKED OVER BUT WE WERE THE VERY STEPPING STONES USED AS DECEPTIVE AD TO HAVE OTHERS ENROLL IN PROGRAM. I WAS RUNING XXXX XXXX XXXX XXXX AND XXXX XXXX WHEN THEY DUPED ME INTO GOING BACK SCHOOL. XXXX YEARS LATER STILL SAME BOAT. I AM REQUESTING ACTION AGAINST XXXX XXXX XXXX AND FTC FOR OVERLOOKING IMPORTANT KEY FACTS TO WHAT WAS HAPPENING. I EVEN OFFERED TO MAIL XXXX XXXX XXXX XXXX XXXX BACK TO XXXX AT XXXX XXXX XXXX XXXX USELESS. I AM AM THAT NOT ONLY MY COMPLAINT BE HEARD BUT HOLD XXXX XXXX XXXX ACCOUNTABLE FOR THERE ACTIONS VOLUNTARILY AND INVOLUNTARILY. I HAVE FILE COMPLAINTS BEFORE AGAINST DECEPTIVE PRACTICE. I SUFFERED XXXX XXXX TRYING TO RESOLVE ISSUE ABOUT XXXX XXXX XXXX. I AM SURE THAT THEIR ARE OTHERS OUT THERE WHO ATTENDED XXXX XXXX XXXX DURING XXXX FEEL SAME WAY AS I DO. I AM FIGHTING TOOTH AND NAILS ABOUT WHAT RIGHT. CANCEL MY XXXX XXXX ALSO. XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet, has reinstatement my loan without any notice or any right to appeal. Nelnet, has not re-disclosed my terms of the loan. Nelnet, has not fully disclosed terms under Reg Z. Nelnet has violated the Americans with Disablity Act by reinstated my loan againist the doctors order.
Company Response:
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: My loan originated in XXXX as means to pay for my daughter 's college education. I've struggled for the last 15 years in making any kind of repayment, but have tried to work with Nelnet with deferred payments and forebearances. Several times over the last few years I was instructed by Nelnet over the phone ( never in writing ) to use the FSA portal to apply for Income Based Repayment Plans. Each time, I get a " verbal '' denial, but NOTHING appears in the official Nelnet.com website. My last attempt was due to the pandemic, I was forced out of work since XX/XX/XXXX and was instructed to use the FSA portal again, completed all the paperwork, then called Nelnet to check on the status. Even though NELNET reps instructed me to use this process, I was verbally told that my loans didn't qualify for income driven repayment. YET, there is literally NO PAPER TRAIL from Nelnet acknowledging that they ever considered any of my applications, no formal denial, NOTHING for me to understand how on one hand Nelnet is a listed provider that should consider the repayment plans sent to them, but on the other hand - Nelnet representatives verbally state I do not qualify? Additionally, if they aren't subject to the federal rules, then the NELNET loans should have been terminated with my XXXX bankruptcy. I am frustrated and feel they are using tricky methods to try and force a restart of the loan obligation with a " consolidation '', which I have no interest in doing. Either they are or they are not part of the federal regulations for student loans and either way, NELNET is not presenting valid repayment options in full disclosures for borrowers. A perusal of my account there also shows how they have added over {$20000.00} to the " principal '' that started at about $ XXXX, to demand an over {$35000.00} balance with a projected repayment of over {$75000.00}!? The accounting and accountability are in question here.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ive spoken with Great Lakes about how they are reporting my student loans. I requested a payment schedule showing the payments Ive missed and theyve failed to properly do so. The incorrect payment history is causing great damage to my credit report. It is showing that my first missed payment was reported as 90 days late on XX/XX/2015 but I paid it on time in XX/XX/2015. Arent they supposed to report my first missed payment as 30 days late since I was on time the month before?! This is impossible. Ive attached the letter theyve sent me that they said its reported correctly and Ive also attached what is being reported on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36330
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I consolidated all my loans, all my loans are under one but the credit company has reopen all my closed educational accounts and put them in collections. I have provide paperwork from Great Lakes as well as contacted Great Lakes. They are saying its the credit companies. I have shown that if they add up all educational accounts they XXXX up to the one consolidated account but they still have them open and in collections
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had several loans with the Department of Ed/Nelnet. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over XXXX XXXX XXXX and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/Nelnet and there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.
Company Response:
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 dXXXX On XX/XX/XXXX I received another phone call from this company.
Company Response:
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Finally got information from XXXX in regards to deferment policy through this forum. They stated in-school deferment periods for XXXX studies and XXXX studies. According to their policy, I still have in-school deferment time for XXXX studies. FIRSTMARK SERVICES was servicing my loan while I was enrolled in XXXX studies in 2020. FIRSTMARK SERVICES decided to put my loans in repayment at the same time I was enrolled in 2020. I have not exceeded 4 years of XXXX studies. Labeling my loan as Delinquent was done in error and they wrongfully charged off the loan. Furthermore, XXXX nor Firstmark NEVER made me aware of their deferment policy. None of the paperwork I received or signed states a specified time period of deferment. I was only informed that as long as I was in school studying, that my loans would be in deferment. I was never warned of a deferment cut-off. It is unreasonable and unethical to hold me accountable for a policy that I was never made aware of. Plus, FIRSTMARK SERVICES refusal to admit fault in wrongfully placing my loan in repayment is unprincipled. My loan should not be in collections. The Attached document will show highlighted section that states time period for in-school deferment while pursuing XXXX studies. It will also show that the company only gave me deferment for XXXX studies.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I try to resolve the problem with XXXX the company and send it them a copy of a police report from XXXX County Police Department and also XXXX XXXX XXXX county police department and they did not honor my request and I think its a shame that you can not present me any documents with my signature on it instead of all of it itemization home and I do not owe {$50000.00} in debt in my Social Security number is not XXXX it says I live in XXXX county I never live there before. I think a school representative did that when I called about information about a program years ago
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A