Date Received: 2018-02-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Keep reported closed refinanced accounts as negative accounts they are outdated and should no longer be reported as per the fair crediting act. I have contacted them several times and they tell me they will look into it and do nothing.
Company Response:
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-19
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I recently contacted XXXX via its website concerning my student loan payments. Specifically, I requested copies of my original loan documents, and an explanation as to why my monthly auto-debit amount fluctuates some months. I wanted to verify my original loan terms and amount regarding the loans taken over by XXXX from XXXX Bank and XXXX. To date, I have not received any response regarding my loan documents or the changing monthly auto-debit amount.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I took out student loans while I was at XXXX University. The student loan total was 75,000 approximately. I have been paying on the loans for approximately 16 years and the current balance is XXXX with XXXX total I have paid currently towards interest. The company claims they told me about a graduated payment. I have no record of that in written form anywhere. I find this predatory lending. I have almost paid the entire balance of the actual loan off in interest yet I still owe MORE than the actual loan itself. This is deceitful. I was a young girl when I signed up for these loans and HAD NO IDEA that paying off the balance of these loans would put me in a financially difficult situation. Nor do I think this kind of student loan lending is fair. IT is deceptive and wrong.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Reached out to company regarding a loan forgiveness program. Provided all requested documents. Company is stating that I need to provide documents in analtered format to qualify for the program. Already provided lawful documents according to application and have fax confirmation of transaction. Company is attempting to bypass paperwork and make me responsible for remaining student loan of XXXX, instead of forgiving loan according to the law. Additional fax confirmation sent on XX/XX/XXXX to XXXX XXXX of Missouri Attorney General Office to speak on consumers behalf - XXXX Nelnet.SSDI recipient and forwarded to Department of Justice Disability Rights Section/Intake Unit. Letter Dated XX/XX/XXXX Advises to reach out to DOJ ADA Information Line for any additionalconcerns, per XXXX XXXX, Director of Intake Unit, DIsability RIghts Secition - XXXX. Company is allowing a disparate impact to take place among disabled individuals due to their policy.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I had participated in the California State Loan Repayment program. Payments were made to Nelnet through this program. My loan balances I was told were paid off, I owed nothing. This was XX/XX/XXXX. In XX/XX/XXXX I was notified that I had 2 loans in default with a balance of $ XXXX.I began paying these loans. In XX/XX/XXXX I called Nelnet to inquire about the balance and I was told the 2 private loans were now being serviced by XXXX XXXX. BUT -- they told me I had yet another student loan with a balance of {$1300.00}, this one was a, Federal loan. Again, I hear nothing. I repeatedly asked for a detailed accounting of the loan history -- payments and balance.I received nothing.Now, my Federal tax return was intercepted by XXXX XXXX for {$1900.00} and when I called them today I was told it was now with XXXX XXXX ... but it was paid by IRS. I call all parties aforementioned and get no information or help. Please help me!
Company Response:
State: CA
Zip: 96001
Submitted Via: Web
Date Sent: 2018-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: XX/XX/2018 ... XXXX XXXX a subsidy company of XXXX XXXX XXXX XXXX is the new third party company used to apply for financial aid for my sons private school. The upcoming year will be my sons second year at this private school. He attends the school made affordable by a tuition need scholarship. It is now required to apply for aid through XXXX XXXX. The application process was previously of no cost to the applicants as it was need based. Facts Is targeting low income families by requiring payment to submit the grant application. Other companies have a waiver available for situations of this type. Facts does not offer such and in turn is prohibiting access to financial aid for students unable to pay cost of tuition and excess fees. Without the submission of the aid application by the due date the student misses the opportunity for scholarship opportunity. When Facts was contacted about a fee waiver the company agent says this is their bread and butter there is no way to submit financial aid application without paying the fee. This is appears to be a predatory discriminatory practice against need based students. As an unemployed single mom trying to gain access to better education services for my child, this is poor business and it needs to be addressed. XXXX takes advantage of student loan borrowers and now has turned to blocking opportunities from secondary school students.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Original loan amt : $ XXXX/Institution : XXXX It is my understanding that XXXX got out of the student loan business and sold the portfolio to XXXX XXXX in XXXX NE . XXXX Acct # : XXXX Over the last couple of months I have written and called XXXX to find out how I can pay off this loan in a lump sum for a lesser amount. I asked this because we have already paid in the neighborhood of {$3800.00} and the balance due is still {$11000.00}. They will only accept payment in the full amount. I'm not a finance wizard but doesn't that calculate to at least 40 % interest when all is said and done? I'm retiring next year and trying to get on top of debt while I can and while my brother has offered to help me. My son is the borrower and I am the co-signer. The job market for my son has not been inconsistent so I'm helping. Is XXXX 's methodology reasonable and legal?
Company Response:
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Graduated from XXXX XXXX XX/XX/XXXX. Received notification from XXXX XXXX ( third party lender for books/supplies/software NOT tuition ) I am a Veteran - gain college degree via Post XX/XX/XXXX GI BILL. For 2 years - XX/XX/XXXX-XX/XX/XXXX went back and forth speaking with the school and XXXX XXXX and could not get a straight answer as to how I owe XXXX $ in Federal Student Loans? Lived on and came across XXXX looking to collect same debt, then again a year later Nelnet looking to obtain this obscene amount of money. Sent message today to complain to FSA. After graduation, I have battled back and forth with, at the time was XXXX XXXX, third party that provided loans for books/ supplies/software. XXXX XXXX showed an astronomical amount I owed ( 20 plus thousand dollars. ). I Contacted the school and XXXX XXXX numerous times to explain how this is possible. My tuition was covered under my Post XXXX GI Bill. Because I could not get an answer to this amount owed, what it was used for, etc. I chose to carry on with life as best I could at that time. Only response was " You need to contact the school and they should be able to tell you what they used that money for .... '' Time went by and I got a piece of mail from Navient ( which used to be XXXX XXXX ...? ) stating about the XXXX XXXX I owe in " Federal Student Loans '' and need to arrange payments. I was not up to the level of stress this was going to bring. I later came to speak with them, addressing my concerns and they opted for my account to go into forbearance I believe. Currently today XXXX is who has contacted me to start paying. I am speechless on these actions for this high amount to be paid by a Veteran that used his Post XXXX Bill for college tuition to better my abilities but am threatened by this amount to pay. XXXX XXXX XXXX Your case has been submitted! Your case number is XXXX. Thank you for submitting your feedback. We will respond and acknowledge receipt of your feedback within the next 15 days.
Company Response:
State: VA
Zip: 23116
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Few months ago, consolidated all three of my student loan with Nelnet. Was advised by mail that my consolidation was approved and I have one student loan. Check my credit report and noticed two new Nelnet student loans instead of one. The two loans account number are ending in XXXX and XXXX. Received account statement from Nelnet and it states, that I have one student loan ending with account number XXXX with balance of {$23000.00} which is correct. Moreover, it is not reflected on my credit reports. Attached are documents.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet approves the loans obtained from XXXX. Nelnet should have obtained my XXXX XXXX application in XX/XX/XXXX at which time it would have been approved as it was in XX/XX/XXXX. XXXX acknowledging that a XXXX XXXX XXXX is on their XXXX XXXX loan program approved list should have disclosed the program to me back in XX/XX/XXXX. The loan/program process was delayed for years as XXXX failed to disclose the XXXX program to me which delayed & continues to delay the process/closure of said process. XXXX despite knowing from XX/XX/XXXX-XX/XX/XXXX ( undocumented call post graduation XX/XX/XXXX at which time disclosed my head injury and was informed of the now 6 mo grace period ) that I had suffered a XXXX XXXX XXXX in XX/XX/XXXX due to an XXXX and continued to be XXXX from it today was never offered the XXXX XXXX program option. I was constantly steered into other loan programs that allowed accumulation of funds/interest. I wish to know why in a specific response : 1. I was constantly steered into money producing programs benefitting XXXX, but was never offered the XXXX program as an option. 2. A XXXX XXXX XXXX definition is listed under XXXX 's allowable XXXX XXXX loan program therefore why was it never offered to me when you knew I am suffering a XXXX XXXX XXXX and it is an allowable injury/illness under the XXXX XXXX program as a loan remedy/option? Having the knowledge of what illness/injuries fall under the XXXX program but failing to disclose the program appears to be a failure to provide available proper loan programs to those they serve, possible a civil rights issue. As per their own criteria they knew I qualified for their XXXX loan program and per their own XXXX illness/injury standards but failed to disclose the XXXX loan program option to me. I request you ask XXXX as XXXX XXXX XXXX are listed under their XXXX XXXX program as an allowable injury why did they deliberately deny me since XX/XX/XXXX the right to apply for the available XXXX loan programs by deliberately steering me only into loan programs that financially benefitted XXXX and disallowed me to right to the XXXX loan option. XXXX approved my XXXX XXXX but it was delayed for years unnecessarily as XXXX deliberately failed to disclose the program option that would better meet my needs due to my XXXX. My medical documents prove clearly my XXXX XXXX occurred on XX/XX/XXXX and continued through XX/XX/XXXX, as it does today. This documentation shows also that I qualified for the XXXX XXXX XXXX back in XX/XX/XXXX.
Company Response:
State: CA
Zip: 94503
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A