Date Received: 2018-05-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XXXX complaint XXXX - I asked you to explain your XXXX assertion that you never received the XXXX forbearance request. I then outlined a chain of written documentation including receipts that Nelnet received the request and correspondence generated by Nelnet approving the request. I asked you to explain this discrepancy and you have refused. Explain now. I also asked if you needed me to send the forbearance request to you again. Again, you refused to answer. Explain. In the meantime, the forbearance request has been forwarded to Nelnet yet again. Apply correctly. ( If you recall, it was approved but applied incorrectly. As you should also recall, I sent several written follow-ups requesting Nelnet correct its application of the forbearance to which Nelnet promised in writing to investigate but which Nelnet and subsequently you failed to do. ) Once you correct the forbearance, remove any related late fees due to your refusal to address this matter. If you have any questions, please address them in this forum and as previously requested stop the robo calls. As observed prior, you have avoided directly answering virtually all questions asked to date please note that they are not going away. If you find you can not provide informative, direct and timely answers to questions asked, refer to someone more capable. You are wasting everyones time including mine. Finally, discharge and full accountability as previously specified.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
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: I filed chapter XXXX in XX/XX/XXXX. Unbeknownst to me at the time, I was not required to make any student loan payments outside of my bankruptcy as it was not included in my schedules. I was in school at the time of filing so was not required to pay. I became delinquent in XX/XX/XXXX, but again I should have not been in a repayment status due to the chapter XXXX. I have contacted XXXX 3 times in regards to this matter and they reply that I applied for forbearance after the delinquency, ignoring the fact that I should not have been in repayment at that time.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Dept of Education/ Nel Net has been Falsely reporting students loans that are NOT owed to their Department. I have requested 4 times in writing and verbally. I have sent proof to all 3 credit bureaus of my paid in full account with the Department of Education ( not Nel Net ). This error is not only causing harm to my credit file but is also effecting my credit worthiness. Please correct As soon As possible.
Company Response:
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I deferred my student loans ( 7+ Different loans ) after graduating with XXXX in XX/XX/2013 from XXXX XXXX Univeristy. It was my understanding and I was told by the university that loans would be deferred 12 months. However, I was billed at the 6 month mark and billing invoices never made it to my address. They were sent to the wrong address. Therefore, at the 12 month mark when I contacted Nelnet ( student Loan company ) to pay my first payment and set-up a plan, all my accounts were 6 months late. This has stayed on my credit report ( 7 severely delinquent accounts ) For the last 5 years and has significant impact on my credit score.
Company Response:
State: OH
Zip: 45750
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/2018 I received a text message from Nelnet ( XXXX ) XXXX ) stating my loan was in default. This is not Nelnets phone number nor is the number to contact them back at ( XXXX ). I called the phone number where I told them my social security, date of birth, name. They then told me my loan was fine but if I knew someone by a different name that may be listed under my account. I have reported this issue to both Nelnet and the department of education along with re obtaining my XXXX account to watch for fraud or identity theft. I am unsure what else I need to do or report to protect my identity.
Company Response:
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Department of Education/XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-05
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My private student loan from XXXX University XXXX XXXX XXXX was serviced by XXXX for over 10 years. It was recently was sold to XXXX and now XXXX XXXX. I noticed that when the servicing was transferred my student loan payments began increasing despite making on time payments for 10 plus years. The principal balance is about $ 60K. I went from paying ~ {$700.00} per month to now, I looked at my XXXX account and the monthly balance due is now {$800.00}. I have noticed that the interest rate keeps climbing significantly and I am not sure why. When XXXX serviced my account the interest rate did not fluctuate and if it did, it was very minor. Now every month, I am asked to pay more and more despite the fact that the principal balance is shrinking. I want to know why all of sudden the interest rate is fluctuating so much. Is there a limit to how much interest can be charged? Also, XXXX has not uploaded my 10 plus years of payment history to my account. There are no records in this regard. I would like my payment history added to my account and an explanation as to why my interest rate keeps climbing. The interest rate is now 5.77 % and when XXXX serviced the loan, it was under 5 %, probably around 3-4 %. I would also like my due date extended giving these outstanding issues. I have been paying my student loans for over 10 years ( on time! ) and since XXXX took over and now XXXX my payments are increasing rather than decreasing. I find this very suspect. There is also no pay off statement which I thought was required by law. Please investigate. I have also lodged my complaint with XXXX.
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2018-05-05
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2018-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: response to : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection NELNET : sent a billing statement as of XX/XX/XXXX with a payment due date of XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. This was not reflected in any billing statements. NELNET sold the loan to XXXX. Did NELNET sell my loan after I paid it in full? Did NELNET still continue to express that I had a payment due on XX/XX/XXXX when they sold the debt in XX/XX/XXXX?
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-04
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In order to receive assistance from a student loan repayment assistance program, I require a letter estimating what monthly payments I would need to make on my loan to pay it off by XX/XX/2022. The servicer is willing to state orally over the phone what payments I would need to make, but is unwilling to provide a letter with the amount.
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-04
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XXXX XXXX XXXX On XX/XX/XXXX, I submitted an application for income based payment. I went to studentloans.gov and granted access to a joint tax return with myself and my wife showing both of our income. On XX/XX/XXXX, I received a notice from Nelnet stating that my application was incomplete and that I need to submit proof of income. I responded with a copy of my Paycheck stub immediately. I then received on XX/XX/XXXX with a duplicate email requesting proof of my income. I went back to my email and submitted the same attachment showing my income. On XX/XX/XXXX I received another duplicate email requesting a copy of my income. On XX/XX/XXXX, I contacted Nelnet via phone. I was told that it was not MY income that they needed, rather a copy of my spouse 's XXXX. On XX/XX/XXXX, I received a letter stating that {$3700.00} was being added to my principal balance and that my payment would increase from {$280.00} to {$1000.00}. I am frustrated that the correspondence with Nelnet was vague and their communication with customer service did not specify that the income I needed to submit was for my spouse, not my own. I have asked Nelnet to reverse this capital interest penalty and calculate my payment appropriately and they have not done so.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A