Date Received: 2017-12-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: First of all, I did n't attend the school After about 6+ weeks. I ( formally ) a withdrew to take care of my Mother whom had early onset XXXX. I contacted the school after I I realized the U.S.Departmet of Education that the school had continued to have me listed as an active student. I applied and received a student loan discharge from " nelnet '' ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now comes XXXX XXXX, I sent them ALL the necessary income statements, signed and notarized. Not satisfactory to them. I worked two ( 2 ) part-time jobs until my health began to decline again. I can do some work ( I have a ticket to work ). I 'm quite sure the USDE clearly has ways of verifying information, even without permission. I asked them to allot me more time to receive my W-2 's, to no avail. I need your help to resolve this matter, before they start tampering with my Social security, taxes or whatever means they need to snatch money I 'm intitled to. Now I able to work only ( 1 ) one day a week at XXXX XXXX cleaning the church. XXXX is scheduled for the first 2-3 months of XXXX to remove 2 ( two ) XXXX XXXX and and have them replaced with XXXX XXXX I 'm not THAT mobile. HELP!!!
Company Response:
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2017-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my Nelnet student loans. I asked them to stop emailing me. They said they would not. The email address being : XXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.
Company Response:
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2018-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XXXX XXXX, 2017, I contacted NelNet to inquire about the 6-month deferment lapsing and what my options were as I am still unemployed. I knew I qualified for an unemployment deferent [ UE ] and asked about it but was told I should NOT apply for the UE deferment because I was already on an Income Based RePayment [ IBR ] Plan for {$0.00} and the customer service rep. claimed this plan included " payment of all interest on subsidized loans and partial interest on unsubsidized loans '' so why would I want to apply for something worse than what I already have???? I asked for proof in writing of this interest payment and was treated to double talk. I asked for clarity on a number of thins some I got some I did not. I was in the end firmly advised against the UE deferment. When I finally found the document that showed the terms of my IBR it clearly states my interest is capitalized. Thus my need for a deferment and NelNet 's desire for my loans to accrue interest.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2017-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: While I was being assured that my student loans were in forbearance two of them went into default. In talking to a Nelnet ( formerly XXXX ) employee I learned how this would happen. I 'm told that my student loan could 've been handled at any one of three XXXX locations. When an individual asks for a deferment or forbearance, it is the servicer 's responsibility to " capture '' all of their federal student loans, from all of those locations. I was getting letters saying my loans were going to go into default. I called XXXX more than once and was told not to worry my loans were in forbearance and I would soon stop getting the letters. That was in the late 1980 's and the debt is huge now and the rest of my student loans are current and I believe they have been for at least 10 years. I work for XXXX XXXX and want to take advantage of the Public Service Worker program. I do n't have much as far as records. Their own records should support this.
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2017-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Recently receiving all this mail from NelNet, Ive personally never heard of such company. Inside were all these bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for
Company Response:
State: OH
Zip: 44236
Submitted Via: Web
Date Sent: 2017-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-23
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: What I believe happened, is that University of XXXX charged me too much each quarter and semester. As well as their highly paid professors to teach us students online. The University of XXXX at first had me in another program or was going to change me program to reduce my balance. But that did not happen. So I stay in the program that I enrolled in. I did not go to this college to be a doctor or lawyer. But the debt balance should not be this outrageous highly. I am not working in that field because most employers are hiring for younger people. I have refinance and consolidate this high balance of {$110000.00} debt. This is a house payment or mortgage. Which I have neither at this time. This debt continue to appear on all of my credit report and there is no way to hide it on my report. It is too much. I can not get any loan to help me or give me a leg up or a hand up. There is no hope for me in this situation. I am not able to pay this debt off. The previous college that I went to did not cost me this amount of money. There haves to be a way to have this debt reduce down to {$30000.00} NOT up to {$200000.00} or a XXXX dollars in debt. Some of these loan servers and providers have placed me as a victim so I could finish my education on time. When I finish graduating from University of XXXX they said my debt was not that high. I believe the financial department and their admission office and other financial services at University XXXX XXXX had too many students with too many debt and it got mixed up with my debt. I want my debt reduce to a point that I can pay back. Or remove this debt period. It should not be this high. I do n't believe that this debt should be this high. Each private loan provider and federal aid provider itemized the debt and raised the debt with principle and interest rates that most American and students attending college could not pay back in a timely manner. It would take years to pay off this debt. This college charge me way too much. It should not have been that much. I was only there for less than 2 years. What the XXXX did University of XXXX Arizona do to me. I am not working fulltime but only part time and it is not even worth it. Please look into this matter and investigate what happen. Thank you.
Company Response:
State: OH
Zip: 45458
Submitted Via: Web
Date Sent: 2017-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The party submitting this complaint is Borrower-Spouse B for purposes of protection of personal information. The Loan Service Provider ( LSP ) has unilaterally XXXX a fictitious legal framework over Borrower-Spouse Bs financial responsibilities by applying an erroneous limited co-signer repayment liability framework, despite the terms of the Master Promissory Note ( MPN or contract ) expressly stipulating a joint Spousal Consolidation Loan ( SCL ) meant to create a unified contractual recognition of co-borrowers, derived from Borrower-Spouse Bs and Borrower-Spouse As individually-borrowed loans. By unilaterally transferring his role to one of co-signer of a regular consolidation loan, the LSP has not only prevented Borrower-Spouse B from equally accessing the rights and benefits available to co-borrowers under the terms of the joint contract he did sign, but they have also imposed the limitations and full financial and legal burden for an individual loan he did not sign. The LSP has thusly denied or prevented Borrower-Spouse B from acting in any way equal to Borrower-Spouse A under the terms of this spousal loan, at the same time that they constantly and exclusively refer to a MPN for a joint SCL that was approved without any loans for Borrower-Spouse B. Borrower-Spouse B has attempted to have himself released from this loan because of his lack of legal consideration, but XXXX, XXXX XXXX XXXX, XXXX. ( doing business as XXXX XXXX XXXX ), and now Nelnet ( all LSPs are treated as a single entity under the terms of transference ) have all denied this request. The signed MPN does not contain a section for a voluntary co-signor, as it was meant to provide for the consolidation of loans held by two separate but married borrowers. A loan consolidation form for a single individual with a co-signor was not submitted, although it was an available option at the time. In Section B. Spouse Information, the form expressly states Only complete this section if your spouse has eligible loans and you both wish to consolidate jointly. If you complete Section B, also include your spouses loan ( s ) in section D.1 and D.2. Your spouse must also sign and date item 38 in Section G. Section F of the MPN also provides for treating both signatories to the contract as a single unit. Section F further states, If I am applying jointly with my spouse, I further understand that my Federal Consolidation Loan will be fully discharged only if both of us qualify for discharge, and may be partially discharged if only one of us qualifies for discharge. The signed MPN was used specifically for consolidating loans held by both parties in a marriage, and specifically states that the spouses information was to be filled in only if the spouses loan information was included in part D of the application. The MPN was approved without any of the financial consideration due Borrower-Spouse B, but he has since been held financially and legally liable for the full amount that exclusively reflects Borrower-Spouse As prior loans. On XX/XX/2017, Borrower-Spouse A unilaterally, and without consulting with or informing Borrower-Spouse B, requested a change in the repayment terms. The change was processed by the LSP without consulting or seeking consent from Borrower-Spouse B. In a prior CFPB case requesting release, the LSP did not address the issue of their own recognition of the fault in the MPN that had them treating Borrower-Spouse B as a mere co-signor instead of an equal borrower. Instead, they addressed his request to be released by stating that Borrower-Spouse B 's and Borrower-Spouse As change in marital status does not affect his individual liability under the terms of the very same contract they are not honoring. Borrower-Spouse B never alleged or argued that the divorce between him and Borrower-Spouse A should relieve him of any contractual duties. The divorce was mentioned to explain the court-ordered context of his being the sole payee over the history of the loan, and the fact that, despite the joint aspect of the loan, Borrower-Spouse B is denied access to or otherwise prevented, by both the LSP and Borrower-Spouse A, from accessing financial legal protection tools and resources, in addition to rights and benefits such as filing income tax deductions for the loan payments he has exclusively made ( Borrower-Spouse A has unlawfully claimed this deduction totaling nearly {$4000.00} to date because Borrower-Spouse B has been denied the information necessary to file ). The LSP denied Borrower-Spouse B his rights under any possible joint loan when they changed the terms of repayment without consulting with him or seeking his consent, and while they continue to deny him full access to the account, including disclosure documents and other communications. While the unilateral change in repayment terms has already been addressed and reverted, the conditions under which the provider permitted this and took action upon it remain and continue to be legally and functionally contrary to the signers intent and consent. The LSP continues to deny the fault in the MPN, imposing unilateral terms from a contract that does not exist.
Company Response:
State: CO
Zip: 80504
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I 've tried countless times to get information on consolidation and loan forgiveness since I 'm a XXXX XXXX XXXX XXXX I have n't gotten clear answers or directions
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-17
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I attended XXXX XXXX in XXXX ... .basically over the years my account was sold to several companies ... and the interest rates are high on the account ... .I 'm currently unemployed and struggling ... ..I ca n't afford what they are asking me to pay each month.
Company Response:
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2017-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-15
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: the department of education /Nelnet are reporting that I student loans, they are reporting on XXXX , XXXX and XXXX this is n't accurately. they have over 12 accounts on my credit report. I have asked for them to send me promissory notes that I have signed that stated that I applied for these loans and they have not sent me anything as will as all proof with DL picture, signature and paperwork. they have not sent any information to me.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A