Date Received: 2017-11-10
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: My XXXX 's student loan is through Nelnet and the calls are about bankruptcy and the numbers they are using are not connected to the XXXX XXXX system. They are local numbers that when calling back are disconnected. I had 4 in one day. All the telephone calls have the same voice and information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 49707
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: First, on XX/XX/XXXX, I called Nelnet & spoke with XXXX ( customer service representative ) regarding a letter I received in the mail dated on XX/XX/XXXX for a student loan that XXXX claim to have never received a payment. In addition, according to XXXX their computer system shows that I 've never contacted them before, they have never received a payment from me, she does n't know anything about the university ( student financial services ) placing a hold on my student account for tuition fees of {$1000.00} on XX/XX/XXXX, and their computer system shows that I received {$8000.00} ( subsidized ) & {$8000.00} ( unsubsidized ) student loans totaling {$16000.00}. Finally, I was only issued by the university three tuition refunds for two semesters ( XX/XX/XXXX & XX/XX/XXXX ) based on my enrollment status with refund dates & amounts along with last payment as follows : 1. XX/XX/XXXX = {$1200.00} 2. XX/XX/XXXX = {$2400.00} 3. XX/XX/XXXX = {$3700.00} The total from those three payments is {$7400.00} with the last payment from the hold placed by student financial services made on XX/XX/XXXX for {$110.00}. My total amount of payments made towards tuition as of XX/XX/XXXX is {$1000.00} with the remaining balance at {$6400.00}.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: In XXXX of XXXX I filed for Chapter XXXX bankruptcy due to undue hardships as result of a divorce a few months after our child 's birth. All creditors included in the bankruptcy filing were notified at least 2 weeks before my bankruptcy meeting of creditors on XXXX XXXX, XXXX. Navient/Department of XXXX was included in this list filing with a total amount of debt to be discharged of XXXX. This included two separate student loans each amounting to XXXX and XXXX respectively which was noted in the 'Other ' section of the XXXX XXXX XXXX. No creditors attended the creditor meeting in XXXX or disputed the bankruptcy. My Chapter XXXX Bankruptcy was granted in full on XXXX XXXX, XXXX. Nelnet/ Navient XXXX Department of Education have continued to bill and contact me all with varying stories stating it will be done in 1-2 days, then that it takes 30 days to process and that I will need to put a forbearance on the account, that my bankruptcy expired on the exact date it was granted, that they could not approve it without the list of creditors attached to/included with the order of discharge form even though no such thing exists, that they have some denial letter in their history ( which does n't exist ) and then that they do n't, giving me incorrect fax numbers, claiming they never received a fax in full that I have the proof of successful submission for, then telling me that ALL federal loans can not be discharged via bankruptcy, etc ... It is true some can not be XXXX but mine was granted under the 11 U.S.C. 1328 XXXX b ) for undue hardship, poverty persistence and good faith ( via XXXX decision of XXXX ). I am not liable for these debts under 11 U.S.C. 105 of bankruptcy code the bankruptcy automatic stay and discharge. I am unable to get them to stop attempting to collect or accept my order of discharge as such and that they are " above the law ''.
Company Response:
State: WA
Zip: 98366
Submitted Via: Web
Date Sent: 2017-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I completed the XXXX XXXX XXXX in XXXX XXXX in XX/XX/XXXX at XXXX XXXX College ( now XXXX XXXX University ). I was contacted by the Financial Aid Department at the XXXX XXXX College about consolidating my student loans because I would be out of the grace period for in school deferment. I was sent an application that was completed by XXXX which I signed and dated XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) who is now XXXX XXXX XXXX according to XXXX. The consolidated loan data entered by XXXX contains a previously consolidated XXXX loan with XXXX XXXX ( now XXXX ) which importantly, I never received any payoff information or proof of discharge of underlying loans ; it also included a Federal loan which I have no knowledge of ever receiving or owing, no loan documents at all for this loan has ever been provided to me and just like the XXXX consolidation loan, I never received any payoff information ( discharge ) of the underlying loan ( s ). In both cases however, XXXX XXXX ( now XXXX ) and XXXX, XXXX billed me and I in fact made payments and continued to do so until XX/XX/XXXX when I began experiencing a financial hardship as a result of divorce proceedings and escalating legal fees in XX/XX/XXXX and XX/XX/XXXX. I received a notice of risk of default from XXXX dated XX/XX/XXXX. I received a Notice of Default from XXXX XXXX XXXX ( XXXX ) dated XX/XX/XXXX. According to this notice, XXXX paid a default claim to XXXX, however I am not aware that XXXX ever was the lender and have no idea how they are related to my loan. I also received a notice of default from XXXX XXXX XXXX dated XX/XX/XXXX, informing me that as of XX/XX/XXXX I was in default on two separate loans and referenced account number XXXX. This is in fact the only account number I have any reference of and it appears that XXXX never actually consolidated my loans but instead sold the APPLICATION according to XXXX ' summary prospectus filed with the XXXX XXXX XXXX on XX/XX/XXXX. See Link to SEC : XXXX : XXXX In any event, in XXXX XXXX the Massachusetts Higher Education Authority ( MHEAC ) certified to the Massachusetts Department of Revenue that I owed {$25000.00} and garnished my entire tax return of {$990.00}. I sent correspondence to XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and then directly to MHEAC on XX/XX/XXXX. I was required to enter into a Loan Rehabilitation Agreement with XXXX XXXX XXXX ( not the guarantor XXXX ). I then received a response from XXXX dated XX/XX/XXXX regarding my request for return of funds intercepted by MHEAC - and XXXX also wanted me to prove my financial hardship. MHEAC did return partial amount of intercepted funds however then XXXX also required me to enter into a rehabilitation loan agreement. I was denied requests Income Based Repayments however were willing to provide me a deferment. However, after I signed I was surprised to see that the deferment they offered me was applied retroactively and NOT prospectively. Next I was directed to begin my payments to XXXX whom I paid continuously from XX/XX/XXXX until XX/XX/XXXX when they supposedly transferred the loan to Nelnet. On XX/XX/XXXX I was denied a Parent Plus student loan by the United States Department of Education for my son who was entering college in the XX/XX/XXXX semester. The reason for denial was delinquent or discharged loans. I have spent the past year researching my student loans and other false credit reported about me. It turns out that XXXX was the entity who checked my credit through XXXX on XX/XX/XXXX and denied my credit directly on behalf of the U.S. Department of Education. Also, XXXX & Nelnet both report two student loans to all the credit reporting agencies, rather than one consolidated loan. The account numbers do not match the account numbers of the bills I receive. In XX/XX/XXXX or XX/XX/XXXX I found two credit reports obtained by my husband without my knowledge or consent and was included in exhibits by his attorney for our divorce hearing but never reviewed. I had not previously seen these. These reports show that several different entities claimed that I had student loans with them at the same time, in addition to XXXX, but NOT XXXX. There is also a report by XXXX. It appears XXXX sold my one application to MULTIPLE entities who all then claimed I owed them and reported false information to the credit reporting agencies. XXXX XXXX claims to be the holder of my loans now or according to XXXX at least. There is also information in the NSLDS that XXXX XXXX XXXX XXXX is also a holder of my loans. I allege that NONE of these entities actually hold any valid loans and that they are all committing fraud. I suspect they are reporting XXXX or XXXX 's - that were securitized by XXXX or XXXX and not the actual loans.
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have sent a series of letters to get the incorrect late payments removed from this account and the company has not respond.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2017-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have several student loans with Nelnet per my account : XXXX that have always been in good standing. In 2016 I relocated and Nelnet did not forward my information to my new location. This resulted in my loans becoming delinquent due to clerical error. When I contact Nelnet to remedy I was explicitly advised verbatim by a Nelnet representative that if I opted in to a forbearance of my loans they would not be reported as delinquent to the bureaus, but the drawback to doing this would be that the accrued interest would be amortized as principal on the loan. I agreed to these terms and the forbearance. Instead of this occurring my loans were still reported as delinquent AND the interest accrued was amortized into principal. I was explicitly lied to and coerced into a forbearance when I simply would have brought the loans current if I was n't erroneously informed credit reporting would not be affected. I have contacted Nelnet over a dozen times by telephone, e-mail, secure messages through their online portal, and written letter requesting that they either update my loans to reflect current as the former representative told me they would be, or to undo the amortization of interest into principal. At this time, and nearly a year 's worth of correspondence they have declined to do either. I feel reporting this to the CFPB is the last step I can take in good faith before being forced to pursue litigation.
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-05
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: When I graduated from law school, I struggled to find a job. When I sought help choosing a repayment plan, I was steered into forbearance / deferment by instead of an income-based repayment plan such as REPAYE. As a result of this, I 've accumulated in excess of {$50000.00} in accrued interest. While I now have a stable job and I 'm making monthly payments, the accumulated interest has now made my ability to decrease the loan 's principal nearly impossible, keeping me in perpetual debt.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2017-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I 'm having a hard time getting my employer to sign my application for the XXXX Loan Forgiveness. I worked full time in a XXXX XXXX XXXX XXXX XXXX XXXX I XXXX them in a XXXX XXXX. My primary job was XXXX XXXX such as helping them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and skills on how to navigate their XXXX XXXX Please clarify : Do I need to have a XXXX XXXX licence to be eligible for the XXXX Loan Forgiveness? It does not say it in the requirements of the application. Am I disqualified from this particular program since I do not have a XXXX XXXX license even though I met all the requirements that are stated in the application process? Please clarify does having an XXXX XXXX license disqualify you from this program? Thank you
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2017-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX, XXXX, Nelnet and XXXX reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2017-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX XXXX, XXXX, I had suffered an XXXX incident that left me XXXX and in a XXXX for ten days. During this time, XXXX XXXX XXXX XXXX was holding my college loans which were on deferment and scheduled to resume payments in XXXX of XXXX. The nature of my injuries were XXXX and XXXX. I have no memory of what happened before the event and nothing for 2 months following it. Through extensive therapy, I was regain physical control of my body back nearly 100 %, with the exception of a XXXX issue that involves XXXX because that is XXXX in nature. Due to the nature of my injury which left me in an XXXX status for quite some time, my mother contacted NELNET and advised them of my medical status. She had to do so, because I was in multiple hospitals until approximately XXXX XXXX of XXXX. She was advised to fill out a request for XXXX status, which she did, but NELNET never followed through on it. In turn, NELNET had continued negatively reporting on my credit report and until I received a notice almost a year later. I was forced in to resubmit all the documentation my mother sent them to get my loan placed on a XXXX status, but the damage was already done to my credit. While I was unable to care for myself, my mother ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? Yes TYPE OF ISSUE Account status incorrect had faxed Nelnet 's XXXX program medical verification. I had to refax all that she had sent them with the fax confirmation report to have them complete the process after receiving a delinquency letter. I was out of work until XXXX of XXXX because I was on an extended leave from my job do complete advanced therapy. During such time, I was receiving supplemental income through my enhanced XXXX protection insurance that I had taken through the school board where I work, until I was medically cleared to go back to work full time. But, during this time, NELNET had damaged my credit and even though I had filed a successful bankruptcy in XXXX and was cleared by the courts, college loans because they are subsidized by the Federal Government are not impacted by such legal actions. This issue is impacting me getting a mortgage to purchase a home at this time.
Company Response:
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2017-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A