Date Received: 2018-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Payment History Information is Incorrect. I have currently TWO missed payments for my student loans but I indeed made those payments on the website. My account has an auto debit on the account and unfortunately there website had lot 's of issues with not charging my bank account. I made a payment with a confirmation email and everything but weeks later it still showed I missed such & such amount of days until they reported it to the credit company. I have made EVERY payment every month but for some reason on XXXX, it shows I was late which is wrong. I have called the student loan company and they said this was forsure there fault and error but I haven't still heard back from them. Below I will show screenshots of all my payments made except for that one month.
Company Response:
State: AL
Zip: 35806
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I refinanced my loan with XXXXXXXX XXXX in XX/XX/2018 for a total of just shy of {$22000.00}. This was to cover my XXXX loan which was around {$14000.00} and my XXXX XXXX loan which was around {$8000.00}. As confirmed by the XXXX XXXX XXXX rep, all documents submitted were for my XXXX XXXX loan ( now paid in full with no issue ) and XXXX. The new refinanced loan was again to be serviced by XXXX. In XX/XX/2018, when the payments for the refinance were processed, XXXX XXXX was correctly paid in full but my payment for XXXX was applied to a NelNet ( a XXXX XXXX Federal loan which was sold to NelNet for under {$6000.00} ) account. At that point, I reached out to all three-XXXX, XXXX, and NelNet. They did not account for the remaining portion of the remaining loan which had not been allocated anywhere I could see but were charging me for both loans. However, in this case, they were able to correct the error and my payments for the new XXXX and the existing NelNet loan had their payments auto-debiting as I had set up. On XX/XX/XXXX, I found that the payment to my original XXXX loan had been reversed and a partial payment was applied to XXXX and the remaining funds were applied to the NelNet loan. Again, the NelNet loan was never referenced in the documents I submitted for the refinance. Since the XXXX, I have called them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The issue has still not been resolved, they have given me no timeline to fix it despite funds being with their parent company, and XXXXXXXX XXXX XXXX is now calling and saying my account is past due. I have received only a single callback and the person called to say there was no update. At this point, they are reporting my account over 30 days past due and we are quicky approaching 60 days past due. They are also falsely assessing late fees ; as they have confirmed they can see the payment in full but do not have an explanation for why the payment was then reversed. They refuse to freeze the account or to stop reporting it past due -- hence the calls from XXXXXXXX XXXX XXXX and, despite knowing this is a duplicate issue, they have yet to fix the issue. Attached are all statements for both loans that I received since XX/XX/2018 and statements for NelNet. There is additional information showing my account information with XXXX and all received statements from NelNet.
Company Response:
State: OH
Zip: 43551
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: My son 's father passed away, I am XXXX years old and struggling. 25 % of my pay is already being garnished from my check ( 15 % ) goes to the Department of Education and ( 10 % ) goes to PHEAA as well as ANY tax refund is immediately sucked out and immediately send to the Department of Education. I have paid SOOO much money in interest, collection fees, etc. that I do not see any end in sight and I will NEVER get these paid off so I can start on this one. I had absolutely no idea that when I was helping my son go to college that I would be paying back 3 different companies. I feel like I was totally misled because I sent a request for aid to 1 place and 1 place only. The money came from place only. I have tried to get out of default by making double payments for several months, but I was lied to. They told me when I could only make an additional $ XXXX that after 7 months, they would look at my situation and I would have a new lowered payment ... yeah, it's now {$1200.00}! I don't even have anywhere close to that leftover after garnishments! I filled out an application with all of my expenses and income which came out to about XXXX! I have just gotten out of the hospital for an XXXX and feel like I am being harassing every way I turn. If I had to do over again, I would have NEVER, EVER SENT MY SON TO COLLEGE BECAUSE IT IS KILLING ME!!! I have no more money. I barely have money for food!
Company Response:
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is my second time reaching out reguarding my NELNET student loan accounts. I know it has only been a few weeks with my original complaint being XX/XX/27 but I have not yet heard from NELNET and my credit score is suffering greatly. My original complaint addressed my concerns of falsely reported late payment for my student loans purchased by NELNET from XXXX XXXX XXXX XXXX XXXX. In the past few weeks I have done extensive research on the map and it appears that this is a frequent problem with many others thats mearly took out student loans to better their future and in turn actually hindered it. I am reaching out again in hopes of a resolution to get the innacurate late payments from XXXX removed from all three credit bureaus. I appreciate your time assisting me with this matter
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I called into Nelnet on XX/XX/2017 @ XXXX notified the representative that my car was stolen and I was not in a position to make a payment. The representative informed me that I qualified for a forbearance which would prevent my account from being reported negative to the credit bureaus and allow me time to deal with the hardship that came from my car being stolen. He stated that he placed the account on a forbearance and that I did not need to make payment. In XX/XX/2017 I applied for borrowers defense and called to confirm that the application was received and they confirmed that the account was on forbearance. Recently I checked my credit report and noticed there are five missed payment reported from XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017 for all five accounts. That is twenty-five missed payments from a time that the account should have been placed on forbearance. I immediately called Nelnet who stated " they did not have record of the call or the account being on forbearance ''. The manager requested that I send in my credit report and my phone records of the call. I did. Once they received the information that they requested to remove the errors caused by their representative, they stated although the call was made, they were not going to remove the inaccurate information. The accounts were never placed into forbearance by a Nelnet representative and their error is showing on my report. Had the representative completed his responsibilities correctly there would have been no missed payment to report being that the account would be on forbearance. Nelnet is entrusted with the responsibility to report accurate information to the credit bureaus and their employees are entrusted to accurately complete the tasks that their duties require because a Nelnet representative failed to accurately complete their responsibility inaccurate information was placed on my report. This error is not mine and the missed payments that were reported for the XX/XX/2017 months of XXXX, XXXX, XXXX, XXXX and XXXX are not accurate due to the error of the Nelnet representative. This false information by law needs to be removed from report.
Company Response:
State: CA
Zip: 92354
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was awarded Social Security XXXX beginning XX/XX/XXXX. My letter said that I would have a medical review in 3 years. I began a self-sufficiency program ( PASS ) through Social Security in XX/XX/XXXX. I got some advice for filling out the PASS application from a person through the Ticket to Work program. In XX/XX/XXXX I got a letter from Social Security asking if I was or had been in the Ticket to Work program. I sent it back. I think that's the reason why I didn't have a medical review at that time. I still haven't been able to work for pay part-time or full time. I've never been given another medical review or been informed of when I might have one. I believe Nelnet has all my student loans now. There were some with XXXX but they've been transferred to Nelnet. In XX/XX/XXXX I requested and received a XXXX XXXX XXXX XXXX discharge application from Nelnet. I also got a copy of my XXXX, which had a " next medical review '' date of XX/XX/XXXX, and a cycle of re-exam cycle of 3+ years. I sent this to Nelnet. I spoke to Social Security on the phone to try to get more information about when my next medical review would be, since we were already in XXXX and the XXXX said my next review would be in XX/XX/XXXX. I was told that they are way behind in scheduling the medical reviews. I gave this information to XXXX and they said I needed to have documentation from a doctor that I am totally and permanently XXXX. I really didn't know who to ask about this. I have a new primary doctor this year. I have mental health XXXX as well as physical XXXX but I don't have obvious mobility XXXX. I've never seen a psychiatrist before. It just seemed difficult to get the documentation with no doctor who knew me. Also I dropped the idea of applying for the discharge because I was concerned that the discharge would be considered taxable income by the IRS. On XX/XX/XXXX I turned XXXX and am no longer on XXXX but am now on Social Security XXXX benefits. I was looking online for tips for asking a doctor for documentation and I came upon a CFPB article about Options for XXXX student loan borrowers. I saw this section in the article : " Social Security award letter. If you receive Social Security XXXX insurance ( XXXX ), you can prove your XXXX using your SSA award letter. The SSA letter must indicate that your next scheduled XXXX review will be within five to seven years of your most recent XXXX determination. If you previously received Social Security XXXX benefits but now receive retirement benefits, or your benefits notice does not indicate when your next XXXX review will occur, you can prove your XXXX by submitting a copy of your XXXX. You can request a copy of your XXXX from your local XXXX XXXX XXXX office. You can also call XXXX and request to be mailed a copy of your XXXX. '' I called Nelnet and told them about this article from consumerfinance.gov but they are still saying I need the Physician Certification. I really don't like my new primary doctor and am looking for another XXXX. I now have XXXX XXXX and have been seeing a XXXX, but he really only knows about my XXXX problems. If the information in the consumerfinance.gov article on options for student loan borrowers is correct, it appears that I shouldn't have to get the physician 's certification, but Nelnet insists that if I don't have a medical review date of 5 years or 7 years, then the BPQY is not sufficient. If they are wrong or lacking proper training, I need to file this complaint. Also, since I am insolvent, it is my understanding that I would not be taxed on any XXXX discharge. I'm attaching a copy of the XXXX report I received earlier in XXXX. I have not requested a copy more recently than that.
Company Response:
State: FL
Zip: 32086
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet, the servicer of my XXXX XXXX loans has improperly capitalized the interest of my student loans and currently show my account status in repayment. I have been in school at least at half-time status since XX/XX/XXXX. I have never fell below this status, even after graduating with one degree and immediately enrolling as half-time in another degree during the loan grace period. In the Fall of XX/XX/XXXX, I enrolled at XXXX XXXX University ( XXXX ) and XXXX XXXX XXXX XXXX College ( XXXX ) in an XXXX XXXX as an XXXX XXXX student attending at the host school campus being XXXX. From XX/XX/XXXX until XX/XX/XXXX, I have maintained half-time status between the two schools. In late Fall of XX/XX/XXXX, I received notice that my loans were in repayment and that interest had been capitalized. Because the two schools reporting independently to the XXXX XXXX XXXX, each school reported me as less than half time. I was unaware that a consortium had to be submitted showing half-time status between both schools. As the home school, XXXX provided me the signed consortium and I submitted to Nelnet in XX/XX/XXXX. The consortium detailed the previous semester as well as the Spring XX/XX/XXXX. Nelnet confirmed with me in response to my protest that my loan should be in deferment and should have never entered payback status and the original grace periods for all of my loan should be intact. They were to un-capitalize the accrued interest and report the accurate balances to the Consumer Credit Bureaus. I have submitted consortium 's with half-time enrollment for every semester from Fall XX/XX/XXXX up to Spring XX/XX/XXXX. For the current semester, I am maintaining a half-time course load at XXXX only. XXXX has updated the XXXX XXXX XXXX database with the correct half-time status as required but Nelnet has claimed that due to inaccuracies reported in the National Student Loan Data System ( NSLDS ), they can not verify enrollment. As a result they capitalized my interest again and placed my account in payback status. During a lengthy phone call to Nelnet and the eventual conversation with an account manager on XX/XX/XXXX, I discovered that Nelnet has never placed my account back in true in-school deferment and has never un-capitalized the interest from the XX/XX/XXXX incident. The account manger ( XXXX ) confirmed that they indeed have all the submitted consortium 's but can not answer as to why the proper account status hasn't been restored. She stated that she is requesting an internal review and will mail me a detailed account history. Meanwhile, the {$25000.00} added to the balance from XX/XX/XXXX and the accrued interest from this inflated base is reporting every month on my credit reports. I was recently denied a mortgage because the new rules request that mortgage lenders must calculate deferred loan balances at 1 % to determine a monthly payment. This equates to a $ XXXX monthly increase to my debt-to-income ratio. Nelnet has again capitalized the interest as of XX/XX/XXXX causing me further credit damage if not corrected by the end of this month. I feel as though Nelnet in unlawfully engaged in the generation of income and has breached their service contract with the federal government of which I am an intended third party beneficiary. Because of the conflict of interest in delaying my proper account status they are slow to respond.
Company Response:
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ok, SO! On XX/XX/XXXX I see 2 installment loans from the XXXX XXXXXXXX XXXX XXXX : one in the amount of {$2500.00} and another in the amount of {$2500.00}. THESE WERE NOT OPENED BY ME and you can see how much just pure XXXX I've been put through ever since XXXX when my husband started using my SSN AND out children 's to file taxes. I've had SO much stuff on my accounts that I've had to fight until I just felt like giving up because I can't. The XXXX XXXX XXXX XXXX XXXX remarks are so rude. They're just like nope this is you and that stands. Ok WHY. WHY DOES IT STAND WHEN I NEVER APPLIED FOR THESE LOANS? LOOK at my history! I'm having a problem now with FOUR fraudulent hard inquires showing up on my credit report and Equifax can't even confirm my idenity with my OWN SSN, DOB, OR NAME. WHAT DO I HAVE TO DO TO MAKE THESE HEARTLESS, CRUEL AND UNCARING PEOPLE SEE THIS IS RUINING MY LIFE. I'M SO TIRED OF FIGHTING BUT I CAN'T GIVE UP BC I CAN'T EVEN GET A {$500.00} LOAN YET I'VE HAD AUTO LOANS AND PAYDAY LOANS AND STUDENT LOANS AND ALL KINDS OF EXCUSE MY FRENCH BUT XXXX GOING UNDER MY NAME! The proof is THERE!!! They just are too wrapped up in themselves to realize this is causing ME to suffer bc i can't even rent a decent place to live or build any kind of future for myself bc they are flat out REFUSING TO ADMIT THEY ARE WRONG!!!! PLEASE PLEASE SOMEBODY HELP ME. IT'S THE XXXX XXXXXXXX XXXX XXXX ... THEY DON'T CARE IF IT'S THE TRUTH OR NOT BC THEY DON'T CARE ABOUT US AS PEOPLE BC THEY ARE FUELED BY GREED AND SELFISHNESS. I WILL KEEP FILING AND KEEP FILING until somebody does something about this. I'm sorry I'm upset but enough is enough I'm tired if this!!!
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I transferred the entire balance of my student loan from XXXX XXXX to another loan provider with lower interest rates. The amount transferred at the time was what showed from XXXX XXXX as the entire balance. Several weeks later I received a message from XXXX indicating that I had a past due payment. When I looked at my account history, I saw that interest was applied AFTER I transferred what I thought was the entire balance ( Largest balance shown in the account ). I thought it was deceptive that XXXX did not readily show the entire balance so that I could find out exactly how much I owed. I now have a late fee applied to my account as well as another payment that I did not anticipate.
Company Response:
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2018-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-06
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I have been the victim of a student loan scam. On XX/XX/18 I received a letter in the mail that said it was the final notice for student loan consolidation and Payment Reduction Program. I called the number ( XXXX ) on XX/XX/18 and ended up giving him my FSA ID password, thus he was able to login to my account and see my personal details, including the last 4 of my SSN, date of birth, home address, etc. After getting off the phone it felt suspicious so I XXXX the number and it showed up as a scam. I am worried about what he can do with this information and will be freezing my credit score at all 3 credit agencies and signing up for an identity theft protection service. I would also welcome any advice on other things I can do to protect myself.
Company Response:
State: CA
Zip: 95818
Submitted Via: Web
Date Sent: 2018-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A