Date Received: 2019-08-15
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My loan had been serviced by XXXX XXXX for 16 years. It was then assigned to Nel Net. When asked XXXX XXXX for a simple repayment schedule going forward, I was informed that information was not transferred with the assignment, and my requesting that info from them may re-open the repayment schedule and terms of repayment. I then informed them this not only baffling but perhaps legally actionable on simple assignment theory, as a legal transfer can't increase the burden of the obligor 's burden to perform. For their part, XXXX XXXX informed me they are unable provide me a repayment schedule because the loans was assigned. Please advise what I can do to obtain a repayment schedule on my existing terms. Thank you very much, XXXX XXXX
Company Response:
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My sister passed away in California, 47 days later my Mother had accident and XXXX XXXX out of state. In 6 institutions with my Mother on 2 different XXXX at work, XXXX XXXX. XXXX said you know this job, you were our # 1 XXXX XXXX, we like you however your job is over today. I asked when I would get paid for my new contracts being installed in next days? XXXX said never. I got a default because of life situation, I did my best to avoid. However Nelnet told me the only way to get out of this is start making direct deposit payment of minimal amount. Then I found under employed job while looking for another job, requested income base pay plan. I have reached out to Nelnet since XX/XX/2019 that amount is incorrect, 73 calls and 43 emails later still no resolution. Managers I requested, since no advisor could help or were documenting previous calls. Manager XXXX XXXX never called me back. Manager XXXX XXXX left message to busy with meetings. So I went to guarantor XXXX, forwarded my documents, and XXXX said would file a complaint, XXXX did not file complaint, mislead again. Who would have thought 12 years ago surviving near death accident, being told by Dr 's probably would not work again. No assistance at Nelnet Beware!
Company Response:
State: IL
Zip: 60423
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Y years ago I was contacted by nelnet my lender and I was told that I I was approved for totally XXXX XXXX XXXX and I I started The prossess now Im still in the process and 18 months ago they dropped me off forbearance And said I was late 90 days and I.got right on it and they removed it and And this year in XXXX they did something saying that I was 90 days late but it shows the three months before XXXX, XXXX and XXXX were on time and in XXXX they dropped me off forbearance again and they wont remove it and the worst part is they are the ones doing my XXXX and they know theyve been working on this the whole time? Its bull they keep sending me letters saying they need me to send them this agin and then they have to have it hung Ive sent 3 times and it twas approved 2yrs ago
Company Response:
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Firstmark Services reported my student loan 30 days past due. I am currently enrolled in school and my loan should be in either deferment or forbearance. Payments have been made on this account for month after month and they were not willing to budge on a goodwill removal. I called in once and the first representative told me they could carry out the removal from my credit report and after not hearing anything, I called in again the next day and was told the exact opposite information. I have never seen a student loan that reported at 30 days past due. 60 days is the standard. This practice is a very poor one and crippling to students trying to get an education. No flexibility whatsoever.
Company Response:
State: WI
Zip: 54016
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I work with Nelnet a Deptarment of Education assigned student loan servicer. I am currently on the standard 10 year term repayment plan. I made my first student loan payment to Nelnet on XXXX of this year. After making the payment I set up an auto payment to make payments from XXXX on. The reason for this autopay set up, was due to the fact that it reduced the rate on my loans by .25 %. On XX/XX/10 ( which would have been my first payment date ) the servicer pulled my payment for XXXX again. After calling the servicer requesting that they return my funds they said that they could not return the payment and those funds would be applied as an excess principal payment on my highest rate loan. They said if I requested they could turn off the autopay reapply the XX/XX/10 payment as a regulary payment to satisfy XXXX and to not turn on my autopay until after XX/XX/10. 1. to have an outstanding balance for XXXX doubles the interest due on the next payment date of XX/XX/10, and increase the amount of the final payment. 2. That whole time where I am not on auto pay my rate is higher. These predatory practices are ridiculous. Fortunately I have the financial stability to make the payment this month without an issue. Others may not be so lucky.
Company Response:
State: MI
Zip: 48706
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My story is like most stories held by others who are anxiously awaiting Public Service Loan Forgiveness. I was the first in my family to attend college and I went on to pay my own way through XXXX and XXXX school at two of the top universities in Ohio. As a kid growing up in the city of XXXX, I always knew I wanted to help people and make a difference ; but I didnt know exactly what career path that would lead me to. I XXXX from the University of XXXX in XXXX with a XXXX in XXXX and I was one of the first students to receive a XXXX in XXXX & XXXX Studies. I knew I had to pursue XXXX school if I wanted to be employed and afford to live on my own. I immediately entered XXXX XXXX XXXX XXXX XXXX XXXX school and worked diligently for two years to receive a XXXX XXXX and XXXX XXXX XXXX license. Knowing I was XXXX during the Great Recession, I acted quickly to find ways to manage my looming amount of student loan debt. I was entering the XXXX XXXX field where my first job was starting at {$26000.00} with long hours and unsafe conditions. Unlike many of my fellow classmates, I didnt have financial assistance available from my parents or other means to pay for my education. I was fortunate to have an aunt who allowed me to live with her for many years in order for me to be able to afford my monthly student loan payments and also continue to provide financial support to my aging parents. I found the PSLF program my last year of XXXX school and immediately had my eligible loans consolidated, entered an Income Based Repayment Plan and made every monthly payment. I spoke with the loan companies and the Department of Education regularly to ensure I was correctly enrolled and waited as patiently as I could for details to arise about how the PSLF would work. Once more information became available regarding the PSLF, I completed paperwork and submitted it to ensure that I was maintaining my eligibility for this program. Over the last ten years, I have worked at five different places of employment, all of which have met the qualifications for PSLF. I have submitted all necessary paperwork, often multiple times due to the mishandling of documents by the loan servicer. I made numerous calls to clarify and correct information and to verify I was still eligible and on the path for PSLF. I have never deferred, defaulted or missed a single loan payment. Not all public service jobs are alike. In the XXXX XXXX field, the employment opportunities are often long hours, low pay, and high stress which leads to compassion fatigue, secondary trauma and burnout. Ive read many articles related to the hardships people are facing due to misleading information about PSLF. Stories from doctors, lawyers, teachers and others. I want someone to be sure to tell the story of social workers. In these last ten years, I worked in residential treatment facilities, major healthcare systems, public education, and government offices. I have worked with children who experience XXXX XXXX and XXXX XXXX, XXXX XXXX families, individuals fighting XXXX and our aging population. I have developed trauma therapy curricula for children with XXXX, wrote policies to prevent interpersonal violence in schools, and led innovative programs to address the opioid crisis in our communities. I did this work because I have an unwavering belief my purpose is to serve. I did this work because I have seen how our systems continue to fail and harm our neighbors, schools and communities. I didnt go into this field to make money or even with the knowledge that PSLF was an option. I did it to pursue my purpose to serve and try to use my gifts to influence change. And honestly, that mission has come at a cost due to the amount of sacrifices I have made to maintain my eligibility for this PSLF. Sacrifices that look like forgoing better paying job opportunities, not building a substantial savings account to buy a home, and staying in jobs where I have been physically assaulted. Ten years ago, I XXXX with my XXXX degree and started this PSLF journey. That passion fueled, service driven woman who was ready to work hard and change systems is worn down by a series of failed promises. The year I have been waiting for has come and I unfortunately do not know what lies ahead. I have completed all the necessary steps for the PSLF and have been informed over the last several months by the Department of Education that they are now manually counting my payments to determine my eligibility. They state this could take up to a year to complete. I have called relentlessly over these last ten years, took names and employee ID numbers, received different confirmations and various stories related to the fate of my student loans. I have watched them lose my paperwork several times thus delaying processing. Because of the high interest rates, my total loan amount is reaching well over {$100000.00}. But I dont have any answers. The Department of Education has informed me this week that they do not either. They are unable to give me any information related to my PSLF status and if I will even have my loans forgiven. I am so close and yet also so far away from knowing what direction I am going in. I have put off opportunities not only to make more money to support myself but more importantly, to effect change on a bigger level than any nonprofit I have ever worked for. I cant move to fulfill my dreams of living near my family or starting a family of my own in fear of jeopardizing my PSLF eligibility. My story is like many others who have been working in the XXXX XXXX field and tirelessly pursuing PSLF. Our field cant survive without this kind of loan relief. In a time where we need more social workers we are at great risk of losing an entire industry of helpers. When I speak to students, interns and new hires looking to be in XXXX XXXX or the nonprofit sector, I have to have an honest conversation with them about the risks that come with choosing this career path. Not only do we face the risk of violence, burn out and high stress levels, we also now carry the burden of not knowing if we can financially care for ourselves and our families because of the choice to be of service. For something that should feel like a gift, it is starting to feel more like a punishment. I hold a lot of privilege as a white woman who has received a XXXX level degree and maintains a successful career. I do not take the opportunity for PSLF for granted and have gone above and beyond to meet the qualifications for this program. If sharing my student loan debt experience can help catalyze change to support others in this field than I want to be sure I use my voice as an instrument of change. I appreciate you taking the time to listen to my story and I would be grateful for the opportunity to discuss this further. Timeline Please note : calls were made regularly to verify eligibility for PSLF, paperwork was submitted regularly and on time to prove income for IBR, payments were made monthly with no lapse of time or delay. I have documentation and proof of payment since XXXX. XXXX XXXX- XXXX from the University of XXXX XXXX XXXXXXXX from Case XXXX XXXX University XXXX XXXX applied for loan consolidation with Direct Loan XXXX XXXXapplication accepted and loans consolidated through Direct Loan with Income Based Repayment ( IBR ) XX/XX/XXXX, XXXX received a letter stating Direct Loan sent me an Income Contingent Repayment ( ICR ) letter in error when I have and continue to be on the Income Based Repayment ( IBR ) plan. XX/XX/XXXX, XXXXDirect Loan informed me that they were transferring my account to Nelnet XX/XX/XXXX, XXXX-received notice from Nelnet they were putting my loans in forbearance, rectified via the phone that this was an error due to glitches with loan transfer from Direct Loan. XXXX XXXX Employee Certification submitted to Nelnet XXXX XXXXnotification from Nelnet that my loans are to be transferred to XXXX XXXX XXXX-employee certification submitted to Fed Loan XXXX XXXXEmployee certification re-submitted to Fed Loan XX/XX/XXXX, XXXX-received notice from XXXX XXXX that only employment from XXXX is recognized as certified employment for PSLF. Spoke with representative on the phone that this is an error and still reviewing. XX/XX/XXXX, XXXXreceived letter from XXXX XXXX stating that I have only made 50 qualifying payments total and that I have 70 more remaining putting me at a PSLF eligibility date of XX/XX/XXXX. XX/XX/XXXX, XXXX-spoke with XXXXXXXX XXXX regarding letter and was informed this was a blanket letter that went out to all borrowers and that my Employee Certification was approved ( please note I did not receive any kind of electronic or written notification ) and that the final step is to manually county my remaining payments. She stated this could take 1 month to 1 year. XX/XX/XXXX-Contacted XXXX XXXX to follow up on status of manual recount of repayments. Was informed that my loans are still being recounted and that I should not contact as XXXX XXXX will notify me when the review is complete. XX/XX/XXXX, XXXX received another update from XXXX XXXX stating they reviewed my application and once again same results, 50 payments made, 70 remain. I contacted them because this was a more detailed letter that stated this year alone I only made six payments when I had the payment record right in front of me on their website. I was informed that if I had payment documentation to upload it to the website because they are very overwhelmed and could use the help. XX/XX/XXXX, XXXX all ten years of loan payment documentation as well as IRS statements were uploaded to my XXXX XXXX file. I contact XXXX XXXX on XX/XX/XXXX to ensure they received it and they verified they did and they would mark it as escalated. XX/XX/XXXX, XXXX- received an electronic letter stating During a review of your loans, we removed an Administrative Forbearance that was previously applied to your loans because we received updated information that changed your eligibility. See below for updated details on your impacted loans. XX/XX/XXXX, XXXX received an email update informing me that my payment count review has been updated and that I am scheduled for PSLF XX/XX/XXXX XX/XX/XXXX, XXXX contacted XXXX XXXX who informed me that my initial payments in XXXX were not under the correct plan so they dont count. She also informed me that payments from XX/XX/XXXX until now have not been counted because I need to resubmit Employee Verification forms. **None of this information has been provided to me in the past and I have had regular if not weekly phone calls with DOE XXXX XX/XX/XXXX, XXXX error found on employee dates and DOE corrected it and increased the qualified payments to 98 and a PSLF for XX/XX/XXXX. This is still an inaccurate count.
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Nelnet is purposely reporting my student loan with XXXX, XXXX, and XXXX in a negative status. Nelnet is reporting the same negative account 4 times on all three credit bureaus which is an F.C.R.A ( furnishing and reporting old information, furnishing and reporting Inaccurate Information, and mixed files )! My only loan with Nelnet was added to my Bankruptcy that was filed on XX/XX/2010 at XXXX XXXX. After 9 years Nelnet still reporting negative on my credit reports. I am furnishing proof of my complaint against Nelnet.
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was granted a discharge from the debt owed to the US DOE. The DOS was informed by the collection company to NOT take any further payments from my bank account from XX/XX/XXXX-XX/XX/XXXX. The Department ignored the demand and withdrew payments totaling, {$870.00} ( {$170.00} per month during the period ). I have attempted to reach out to the DOE regarding my refund and I keep getting the response from agents that a refund will be issued in " 45 days ''. The 45 days started XX/XX/XXXX. I have yet to receive the refund and the DOE keeps tagging an additional 45 days each time I call, assuring me I am not going to get my money back that was illegally taken.
Company Response:
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: After school I was out of work, robbed XXXX, and hospitalized being in a low income community I didnt get the help I need to recover as far as XXXX .y XXXX was most up suffering from XXXX years later I managed to pull myself back together before I got XXXX I would call nelnet and set up hardship payments but after I wasnt in the right space XXXX so when I tried again I was informed that the debt has been deferred charged off now I'm working with the third party company they sold the debt to to get back on track.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Amid several complaints to the U.S. Department of Education Federal Student Aid in XXXX, XXXX and XXXX about its Loan Servicer abusive and malicious tactics in the handling and discharge of my loan about XXXX and XXXX XXXX, an new Servicer " Nelnet '' after 7 years has taken my XXXX tax refund ( {$63.00} ) without cause. I received no notice from the U.S. Department of Education about this. The IRS finally mailed a letter claiming to be responsible for this offset and for me to cal Nelnet in XXXX, XXXX. When I called they were not friendly but picked-up the XXXX from year XXXX. I submitted a Doctors Statement ( section 4 ) for loan discharge - XXXX and XXXX XXXX XX/XX/XXXX and I was lead that this loan was discharged then. Now I keep getting excuses from Nelnet saying! ) It was illegible 2 ) the discharge form was incomplete? So now they are making me do the form all-over again after 7 years, This is Malicious and XXXX! Now that I filed an intent With Nelnet for XXXX discharge XX/XX/XXXX & I have 120 days to submit these forms. Netnet is saying they will Not honor my paperwork and will not honor the 120 day grace period and will continue to take my tax returns. This us unlawfully and XXXX mistreatment and I demand it to stop! I also demand the return & refund of my {$63.00}. tax return that was taken. It was unfair because I am below the poverty level and have an inability to repay, I have No income.
Company Response:
State: MN
Zip: 55113
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A