Date Received: 2017-11-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Follow up complaint XXXX my previous employer is refusing to sign my XXXX XXXX XXXX. Can you please clarify the issues below. please see the correspondence They refuse to Hi Everyone! Before we proceed further, we need to clear some things up. We 've had several conversations with several different people, and I 'd like to get everyone on the same page. My recollection of events here is as follows : Originally, I asked XXXX XXXX to sign my application for XXXX, and as of XXXX/XXXX/XXXX, your response was that you are not sure if XXXX 's qualify, and that you need legal guidance on this issue. There was no mention of any other issue, nor any indication that there might be an issue with XXXX XXXX as my employer, as opposed to me as an employee. After I obtained some guidance on the XXXX issue, you raised two further issues, which had not been raised previously. These are : a ) whether XXXX XXXX is eligible for the loan forgiveness program b ) whether it is necessary to work for five consecutive years at the same location. If these are genuine concerns, I am willing to work with the relevant parties to resolve them. However, I am uncomfortable with what has happened up to this point. It is my understanding, as you have verbally communicated to me, that XXXX XXXX HAS signed XXXX Applications for others in similar circumstances. My current employer, the XXXX XXXX XXXX XXXX, has signed my application, despite my having worked for them for only two-and-a-half years. Specifically, Section 7 of the XXXX includes the following language : " If you taught at different schools or for different educational service agencies during different academic years, the chief administrative officers from all of the schools or educational service agencies must certify your eligibility. '' I would like you to confirm or deny the following, on the record : a ) Has XXXX XXXX signed , in the past, one or more XXXX Applications, for current employee/s, or former employee/s, of the XXXX/XXXX/XXXX XXXX XXXX? If so, when was the last application signed? Was it for a current, or former employee? b ) Has XXXX XXXX refused to sign, in the past, one or more, XXXX Applications, for current employee/s, or former employee/s of the XXXX/XXXX/XXXX XXXX XXXX? If so, when did the last refusal occur? Was it for a current, or former, employee? c ) Has XXXX XXXX signed , in the past, one or more XXXX Applications, for current employee/s, or former employee/s that have not worked at XXXX XXXX for five ( 5 ) consecutive years? If so, when was the last application signed? Was it for a current, or former employee? d ) Has XXXX XXXX refused to sign, in the past, one or more XXXX Applications, for current employee/s, or former employee/s that have not worked at XXXX XXXX for five ( 5 ) consecutive years? If so, when did the last refusal occur? Was it for a current, or former employee? I have previously mentioned that I feel that I am being discriminated against. I suspect that there is an unofficial policy in place, that XXXX XXXX will not sign, or will throw up roadblocks to signing, a XXXX Application on behalf of an employee that now works for a different employer. I feel that this suspicion must be resolved before we can proceed. I am quite willing, if necessary, to pursue this matter with the Department of Labor, or in State or Federal Court, and to cast a wide net of subpoenas, on XXXX XXXX , on the U.S. Department of Education , and on whomever else may have records that will clarify the above questions. Furthermore, I am hereby requesting that each of you, and XXXX XXXX, preserve any and all records, evidence, documents, internal communications of any kind ( written or electronic, emails, voice mails, etc. ) pertaining to a ) the handling of, and response to, my XXXX Aplication b ) the subsequent discussions of my eligibility for the XXXX Program c ) XXXX XXXX 's eligibility, as a School, or as an Educational Service Agency , for Title I, or other Federal Programs, or classification as a Low Income School d ) the signing, or non-signing, of any XXXX Application/s for any employee/s, current or former, submitted during the last five ( 5 ) years. Response From Employer Dear XXXX XXXX XXXX has been trying to explain to you, XXXX would certainly be willing to sign the XXXX XXXX XXXX XXXX as long as our signature correctly attests to the services you provided being eligible for the loan forgiveness program. Unfortunately, the loan forgiveness application and attached instructions for completing the form do not indicate that the services you provided to XXXX are indeed eligible for the loan forgiveness program. Upon follow up to our conversation yesterday, I verified that the services you provided in the past were provided at one of our XXXX XXXX sites. As reiterated by Nelnets response to your compliant, in order for your services to qualify for loan forgiveness, the school or educational service agency at which you XXXX must be an eligible XXXX XXXX school for at least the first of your consecutive years of XXXX at the school. Our XXXX XXXX XXXX is not an eligible XXXX XXXX school and, therefore, we can not attest to your services being eligible for the loan forgiveness program. In trying to assist you, XXXX suggested it is possible that although XXXX does not qualify as a XXXX XXXX eligible program, your services may qualify as having serviced a low income population. We are not included in the Low-Income School Directory because we are not a low-income primary or secondary school ; XXXX sites are part of its Federal XXXX XXXX program. You may follow XXXX suggestion to get written verification that services provided to XXXX XXXX pre-school students are eligible for loan forgiveness. If the XXXX services provided in XXXX XXXX XXXX are clearly found eligible as teaching services performed at an educational service agency to be counted toward the required five complete and consecutive academic years of XXXX, you will also need to document that you have indeed provided complete consecutive five years of qualifying services. As XXXX compliance officer, I am proud that XXXX staff very carefully review materials and forms before affixing attestations and signatures. Best, XXXX XXXX XXXX XXXX, XXXX. Director of Compliance and Legal Affairs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Ph. : XXXX Fax : XXXX Email : XXXX Yelled XXXX was on the list of low income schools up until XX/XX/XXXX as attached below, and refuses to share the updated information about the school with the XXXX XXXX Low Income directory.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: My loan servicer was XXXX up until XXXX of 2017. XXXX based my payments off of my tax return as that is a better indicator of my financial situation and had me paying about {$40.00} a month. However, when I consolidated my loans through NelNet, I was not given the option to submit my XXXX, nor was I really given the option of seeing what my payments would be until after they closed out my loan with XXXX. In XX/XX/XXXXI received my first NelNet bill which {$120.00}. I contacted them and was told to resubmit my application for IDR and submit my XXXX with it. A month or so later I was sent a bill with {$120.00}. I contacted them again and was told that I should have sent in my XXXX with my original application back in XX/XX/XXXX. I explained to them that I was n't given the option, but they said this was a law. I then contacted them again in XX/XX/XXXX and was told to resubmit ANOTHER application for IDR with my XXXX and my payments would be around {$40.00} a month. A week later I was sent an email saying they could take my XXXX. I have talked to other loan servicers and they said they have never heard of this law.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX XXXX has refused to correct the incorrect data they put in my Credit Reports due to their sloppy record keeping. My loans have been paid off since XX/XX/2007, yet they are reporting my account as late. I have tried to get this issue resolved with NELNET for months now, and so far, they have been useless in resolving and or fixing their own mess. I am reaching out to you for your help.
Company Response:
State: MI
Zip: 48336
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: DIRECT STAFFORD SUBSIDIZED Loan issued XX/XX/XXXX for {$3500.00}. This is what my account is currently showing : Total Borrowed : {$3500.00} Outstanding Principal as of XX/XX/XXXX : {$3500.00} Outstanding Interest as of XX/XX/XXXX : {$2.00} Why is the principal of my loan higher than the amount I have borrowed. I have spent an hour on the phone with XXXX XXXX XXXX/XXXX ( XXXX XXXX XXXX XXXX, GA ) and they could not tell me why this extra {$68.00} was applied to the principal of my loan. I have never gone below full-time enrollment- yet alone part-time enrollment. I would like to know where this {$68.00} charge came from and why it was added to my account. I also would like to know why the Nelnet services do not explicitly breakdown the charges to date, to the cents- info the company has, yet the borrower of the loan can not access, and the interest accrued breakdown. Also, why is the amount of my loan " paid to date '' lower than the amount that the loan was originated for? Why am I paying interest on the original amount borrowed if that original amount has not been paid out. I do n't believe that I should be paying interest on an amount that has not been issued.
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: nelnet loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( dpt of edu and nelnet ) that no record of this account exists under my SSN. Tried to tell XXXX that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both XXXX and nelnet, was placed on hold. No one ever returned to line.
Company Response:
State: VA
Zip: 23601
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Interest charges are being charged in advance. Specifically, interest charges are compounded daily ; however, every Friday the interest charges that would accrue the following Saturday and Sunday are being added to the principal balance each Friday. Additionally, I have seen several instances where the interest for the preceding days was added on a previous weekday that was not a Friday, so that interest was calculated and added in advance, rather than on the actual day in which it would have accrued. As a side note, the interest is adjusted on the following Monday ; however, this unscrupulous practice has likely caused numerous borrowers to incur additional interest and possibly affected the payoff amounts of their loans. I have a spreadsheet with which I use to keep track of my daily interest, payments, etc. for all of my loans and the spreadsheet consistently and accurately tracks all of my loans, interest, compound interest etc., except for this specific loan with Nelnet, due to Nelnet " padding its tab '' without explanation or cause. I have attached both spreadsheets. The first shows the additional {$19.00} added to the balance on the previous Friday and the second spreadsheet shows the adjustment made the following week.
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have had a loan with Nelnet for many years. I had a hardship deferment when I left school due to a family emergency. In 2015 my loan went into forbearance. I renewed the forbearance several times. Each time upon applying for the forbearance they had done an adminstrative forbearance bringing my account current and late payments forgiven. The last time they did not do this even though I was told they would do so like they always had. I now have two late payments on my credit report due to this oversight, the two loans I have through them made it four total. This is the only delinquency I have to my name and am feeling the reprocussions. Some then, I 'm no longer in forbearance and have been making timely monthly payments to pay back this debt.
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: THEY SENT ME TO A DEBT COLLECTOR CALLED NELNET. XXXX HAS THREATENED ME MY LIFE. AND SAID THEY WILL MAKE ME HOMELESS. THEY HAVE CAUSED ME MENTAL DISTRESS ON TOP OF MY PROBLEMS AND MARK MY WORDS IF NELNET DOES NOT LEAVE MY WAY OF LIFE ALONE I WILL XXXX THEM BEFOR THE END OF XX/XX/XXXX AND THAT 'S A PROMMISE CAUSE THEY XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44004
Submitted Via: Web
Date Sent: 2017-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-25
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX, I paid electronically $ XXXX XXXX. About 7-8 days later I saw that only 1/3 of it posted. I called them and rep kept telling me they never got the 2/3 of my payment and advices me to call my bank despite my insisting that the money had already been taken from my bank. He was rude and said he doesnt know what else to tell me but to call my bank. So I did. And bank tells me they nelnet took the money. I told bank nelnet claims they dont have it so I asked bank to pull money back. The next day nelnet calls telling me they found money but looks like bank taking it so can I call bank. Bank says cant reverse process so I pay back the 2/3 to nelnet on XX/XX/XXXX. About a week later again I see only 1/2 of this was applied. So I call them and ask where the other 1/2 is. And they said theyll look into it. But no one ever calls me back from solutions. I keep calling back and they give me the run around. Finally one was nice and on XX/XX/XXXX it got resolved. Now as of XX/XX/XXXX the money is missing again. I just called them today, XX/XX/XXXX, and their reps are being rude and giving me the runaround again. How do I file a lawsuit against nelnet?????
Company Response:
State: CA
Zip: 93940
Submitted Via: Web
Date Sent: 2017-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nelnet erroneously reported 6 student loans totaling {$13000.00} as 90 days delinquent in XXXX of 2015 despite numerous attempts to submit documentation that I was eligible for deferment, or at a minimum forbearance.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2017-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A