Date Received: 2018-03-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Im trying to get some help dealing with my student loan company Nelnet. I first applied for a deferment in XX/XX/XXXX as the hope was Id recover. I literally must have filed the deferment paperwork over 50 times. Nelnet has an online system that you email your forms to after you send something you get a confirmation email I received 50 confirmation emails but my deferment was never processed. I began receiving letters in the mail stating I was going to be reported to Credit Agencies collection agencies that I owed thousands of dollars in back payments as if I had never applied. I was having so much difficulty dealing with them that I contacted XXXX XXXX XXXX and one of his staff contacted Nelnet on my behalf she was able to finally get them to process the deferment almost 2 years after I 1st submitted it. I completed and submitted my application for XXXX discharge on XX/XX/XXXX. Just like with the deferment months past without any status update so finally once again I contacted the senators office to help me find out what was going on. I know that it can take quite some time for a XXXX discharge to be processed but to go almost a year without any contact is unusual. The Senators staff contacted Nelnet last week and sent them a copy of my discharge application so that they could look up it's status. She told me that they had told her that they had everything they needed to process it but that it could take up to three years to be processed and that I needed to be patient. The next day I received an email from Nelnet saying they recived my application as if I had just sent it the day the staff requested a status. I immediately called Nelnet to find out what was going on and much to my annoyance they are now insisting the 1st time they got the discharge app was last week from the senator. I insisted to them that that was not the case and that I had emails date and time stamped to show when that application was orginally submitted id be happy to provide to straighten this out. Once again I was told to send my proof to the same email address XXXX. Today I called again to make sure that they had gotten the emails and once again they insisted that I had never applied until last week they said they got the email but that it did not contain the PDF files which is very strange because I sent copies to myself to my boyfriend and to the senator and they all arrived with the attachments intact. The email I sent is clearly dated XX/XX/XXXX but they said they dont understand why Im forwarding them the email. I explained it very clearly on the phone but they just continue to play XXXX like they dont get that an email date stamped with the pdf application attachments proves it was sent that day. The woman I spoke to today again even gave conflicting information first saying that I never applied and then saying that I had submitted an incomplete application that was missing the Physicians form which is exactly what I sent them last night which was included in the PDFs attached to the email. She admitted she saw that the doctor signed the form in XX/XX/XXXX but insisted I never provided that documenation and now itd been too long so Id have to fill out a whole new application and start all over. I'm at my Wit 's End here I have no doubt in my mind that Nelnet is attempting to let my deferment time run out so that I am no longer eligible to defer my loans which will happen on XX/XX/XXXX of this year so if they don't process my discharge before that date I will be placed in default and then wont be on eligible to get my loans discharged. There is no doubt in my mind that this is why they are now claiming that I never sent the application in and even when I send proof that I did send the application in over a year ago they refuse to acknowledge it. I'm already on XXXX because of XXXX XXXX and XXXX and this is only made all of those conditions much worse making sure that even if recovery was possible that it will never happen not to mention as a result of XXXX my XXXX XXXX also get worse. I can't tell you the number of XXXX XXXX that I have suffered as a direct result of dealing with this loan company. In the amount of time that I have spent trying to resolve these issues is like a full-time job on its own I literally could provide you thousands of emails. Unfortunately the Senator 's office has been not so helpful in resolving this issue as it's been going on for 3 years however in their defense every time they contact Nelnet Nelnet lies to them and tells them that everything is all set they have the paperwork and I just need to be patient and wait for them to process it. I should include I recently recived letters from a collection agency about my loan so even though I am currently on a deferred status apparently they still reported me to the credit agency and lowered my credit score even though that shouldnt have happened.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was already enrolled in classes for the XXXX XXXX XX/XX/XXXX at the XXXX XXXX XXXX College XXXX XXXX. As a result it was my understating, From Nelnet representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XX/XX/XXXX on my credit score on that student loan account when I was clearly enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring XX/XX/XXXX so I can register for the Fall XX/XX/XXXX semester.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XXXX : Account XXXX We are in receipt of your letters of XX/XX/XXXX. On behalf of our daughter, XXXX, we dispute the claims made by XXXX and XXXX XXXX XXXX. We informed both XXXX and Nelnet previous to our XX/XX/XXXX payment of $ XXXX ( confirmation XXXX ) that XXXX has been living out of the country, has been unemployed and has executed a Power of Attorney so that we may pursue reformulation of her student loans that we have previously paid. Default was threatened at that time and I confirmed with both XXXX and Nelnet that said payment would stop such actions pending reformulation. If such is not the case, then XXXX and Nelnet may be guilty of deception. Sincerely, XXXX cc. XXXX XXXX XXXX XXXX Nelnet Consumer Financial Protection Bureau
Company Response:
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My XXXX XXXX date presented to me by my university ( XXXX XXXX University ) was XX/XX/XXXX. I knew that a grace period is granted after graduation to being repayment of the loan. On XX/XX/XXXX I logged on to the Nelnet portal to make the first payment on my student loans only to find that it said my account was past due {$370.00}. I immediately made payment of this amount, then Nelnet reported to my credit report that I was 90-119 past due on my payment. I wanted to dispute this late payment report from my credit.
Company Response:
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This complaint is regarding my recent loan consolidation with Nelnet. This amidst another complaint at the CFPB XXXX as clearly the issues were not resolved. The application ID is ID : XXXX. I am doing this amidst having applied for a Borrower Defense Discharge based on the rationalization that it will both speed and ease this eventual process and also in light of seemingly parked malicious ediscovery efforts linked to my accounts and uses of these loans by other groups at the Department of Ed for other purposes while those involved plan around using them in a situation where they are actively involved in prolonged privacy and human rights violations and actively seeking to compel my financial destitution and relying on these things in their takeover of projects like copyright XXXX. In my application despite having updated my address and email at multiple US Dept of ED departments including the FSA my address on my consolidation application reflected XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. It also contained my former XXXX email address. As stated I updated this at other departments, Social Security had to confirm and not sure why this not synced. However, I made sure to correct and change this to my current contacts. In my application I included two individuals who are working on my issues due to the unusual nature of my personal circumstance XXXX XXXX from XXXX XXXX and XXXX XXXX of the US Department of ED. I think General Counsel from XXXX XXXX XXXX XXXX would be someone also. However, I included the correct address which is different from my own. However, despite consciously doing this I received an email from Nelnet indicating I had provided an incorrect address or the same address as my references. Neither were correct statements and it is not clear what is going on but I believe a possibility that my application being sabotaged in light to the issues described in efforts to stall and delay.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Nelnet Attn : Claims XXXX XXXX : XXXX XXXX, NE XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. These item late payments from XX/XX/XXXX has been inaccurately been reported to the credit bureau. When I last spoke to Nelnet as soon as XX/XX/XXXX to be place in a Miltatry Forbearance. Nelnet failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2018-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I finished school in 2012 at XXXX. My outstanding loans were XXXX. some how they reported me owing XXXX. Need resolved! Have made hundreds of calls. Never get a resolution and company is dropping the ball every time.
Company Response:
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2018-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-03
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: On XX/XX/XXXX I submitted a dispute with XXXX about 5 Dept. of Education/Nelnet accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 US Dept. of Ed/XXXX/XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of my disputes were updated on XX/XX/XXXX. These also show on my XXXX and XXXX report as well.
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2018-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have made several attempts to solve repaying my student loan with XXXX. Sent in a form to apply for a deferment and hardship since I feel behind to constant medical bills. They denied it and came up with a repayment of {$190.00} per month and this is definitely too high. If I am having a financial hardship, then I definitely can not pay that amount. When ever I email to get a better term payment, I get harassing emails on paying. It appears that this company lack compassion or just bothersome and want to harass a person. What can be done to have them come to realization that I can not pay {$190.00} a month with the hardship I am having?
Company Response:
State: LA
Zip: 70460
Submitted Via: Web
Date Sent: 2018-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Provided necessary documents for loan Deferment and updated credit reporting on over XXXX different occasions and the company has yet to do so. XXXX XXXX is a XXXX XXXX XXXX XXXX who needs to maintain positive credit keep to maintain his security clearance and the company is interfering with such endeavors. XXXX initially provided these documents in XXXX upon entry to the service but your company never updated their records, causing the loan not to show deferred but unpaid and also to default when XXXX was under the impression it was deferred for his time of service. XX/XX/XXXX at XXXX XXXX I Placed the1st Call to Nelnet XXXX XXXX, transferred to XXXX XXXX He instructed me to email current Orders for XXXX XXXX to XXXX & XXXX and they would be able to update the credit reporting from delinquent to deferred at least for the remainder of his XXXX. Sent documents and a recap of our discussion on XX/XX/XXXX at XXXX XXXX. No response sent second email XX/XX/XXXX at XXXXXXXX XXXX. XX/XX/XXXX @ XXXX Placed second call and spoke with XXXX who informed me she needed backdated orders to update the system and they had received no emails pertaining to the situation. I informed her I would submit the documents for a third time and pursue complaints and possibly litigation if XXXX neglected this issue any longer. Provided third request XX/XX/XXXX at XXXX XXXX. After no response, requested again XX/XX/XXXX at XXXXXXXX XXXX. Received response of that request would be reviewed within 15 days and no other info regarding request on XX/XX/XXXX at XXXXXXXX XXXX. Sent final request after company did not follow up after requested 15 days on XX/XX/XXXX at XXXX XXXX. Also sent seventh and final request by email to the ceo and all department email addresses I have been in contact with.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A