Date Received: 2017-09-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX XXXX,2017 I 've decided to make things right showing proof to Nelnet student loan just took over my student loan by writing checks from XXXX - XXXX post dated showing what I could pay well unexpectedly events happen that left my checking account little that Nelnet started processing my checks I know that if they waited a couple of days my direct deposit would have solve the problem but no they kept processing more then XXXX leaving my checking account from a XXXX negative to almost a thousand negative I was devastated and left with nothing and have XXXX daughter 's to support I was miserable felt violated I called them as they say it 's up to the treasure not only did I called but sent emails a few times to stop processing my checks no response.The only thing in my name that was on good standing my child support direct deposit all of it to the mistakes I thought was doing right. I never recover from it. My whole life I had people take advantage of me and it never stops I 'm a single mom I 'm trying to get my life back at the same time care for my XXXX XXXX XXXX dad and look out for my older brother fortunately family has helped but it does n't fix what I had.
Company Response:
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2017-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I went out on XXXX form school and NelNet picked up my loan and payed them, now the school is trying to say that I own them money. When I first called them they said that I do not owe them any money and now they say that I do. Now every time I go and check my credit this pop-up. They said that I owe my provider, so I called them and they said that I do not owe them any money.
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2017-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I continue to receive collection emails from Nelnet for a debt that does not belong to me. I also informed them several months ago that I am actively participating in a Chapter XXXX Bankruptcy plan and that they are breaking the law by sending me collection notices -- especially since I never signed anything agreeing to pay for my son 's school tuition. I demand that they cease sending collection letters and cease their threats to increase collection efforts. I am filing this complaint because I am fed up with their insistence that the debt is mine without providing any evidence and that they continue to defy the US Bankruptcy laws. My greatest fear is that they will try to place a collection on my credit reports and I am filing this complaint to prevent that possibility as well. I have attached copy of letter I sent to Nelnet several months ago and copy of my Chapter XXXX information. These folks are despicable and need to be warned that they are breaking the bankruptcy law as well as illegally accusing me of a debt that I do not owe. Thank you.
Company Response:
State: GA
Zip: 316XX
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made a payment on XXXX XXXX, XXXX to a loan that dispersed on XXXX/XXXX/XXXX. This is within 120 days of the dispersal of the loan. Nelnet applied a portion of my payment to interest on this loan. This happens every semester when I get a bit more than I need on my loan, and I pay back the excess in order to only borrow what we need to borrow. Nelnet consistently tries to cheat us out of some of our money. I have filed 2 previous complaints since I realized that they were doing this, and have been doing it since our first loan was sent to them to be serviced. Every time it happens, I contact them and ask why it has happened, and request that they fix it. They always state that they will fix it, and then they do n't. The last time, they only fixed it once I filed a complaint against them with the CFPB. This time I am being pre-emptive, as I should n't have to follow up with them, after every loan dispersal to make sure that they are doing what is required of them by law. I am attaching a copy of the transcript of my conversation with them today. I do hope that they will follow through, although I will be surprised if they do.
Company Response:
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello, On XX/XX/XXXX, I received notification from XXXX that Nelnet would be my new servicer, effective XX/XX/XXXX. On XX/XX/XXXX, my XXXX loan payment increased from {$210.00} to {$260.00} ( approximately {$50.00} ). I called Nelnet in late XX/XX/XXXX to try to understand the ~ {$50.00} increase, and received no answer. I requested an amortization schedule, and was told that would not be possible. I called back Nelnet on XX/XX/XXXX ( today ), and explained to the representative that I wanted to understand the {$50.00} increase, and my understanding is that I have approximately 10 years remaining for my consolidated loans and 5 years remaining for my variable rate loans. After a long pause, she returned to say that there is good news, and Nelnet has put my loans on a 25-year repayment schedule effective today, with 201 installments remaining, and a monthly payment of {$140.00}. I explained that I am not interested in 25 years, and requested a 15-year and 10-year plan, as I had thought I originally had in place. They said this is not possible. I also requested an amortization schedule for the second time, and was again told that would not be possible. Nelnet could not explain the {$50.00} increase either, so I filed a complaint with Nelnet. Nelnet indicated that I was paying too much every month, but could not explain why then XXXX/Nelnet does not owe me money or if my principal & interest owed have been accurately reduced as a result of these " over payments. '' Here is background on my XXXX Loans ( taken from email records ) : On XX/XX/XXXX, all of my loans were switched from a standard 10-year level repayment plan to a 15-year level repayment option. On XX/XX/XXXX, Account -2, with a variable interest rate, was adjusted to a 25-year extended repayment option, effective with my XX/XX/XXXX installment. The new monthly payment amount was approximately {$220.00} on XX/XX/XXXX. Account -3, with a variable interest rate, was adjusted to reflect the graduated repayment option for a 15-year term, effective with my XX/XX/XXXX installment. The new monthly payment amount was approximately {$78.00} on XX/XX/XXXX. ( Account -1, which is consolidated with a fixed interest rate, remained on the 15-year level repayment option ). Promotions and Incentives : -XXXX XX/XX/XXXX letter : I am eligible to receive a 2.5 % interest rate reduction for the -1 account signing up for XXXX XXXX. -XXXX XX/XX/XXXX letter : I should have received a rebate of 1 % off of my -1 loan amount. -XXXX XX/XX/XXXX letter : I am eligible to receive ( 1 ) a 2.5 % interest rate reduction for the -3 account signing up for XXXX XXXX ; and ( 2 ) 1 % interest rate reduction after making 36 timely payments -XXXX XX/XX/XXXX letter : I should have received a rebate of 1.5 % off of my -3 loan amount. -XXXX XX/XX/XXXX letter : I should have received a rebate of 3 % off of my -2 loan amount. -XXXX XX/XX/XXXX letter : I am eligible to receive a 2.5 % interest rate reduction for the -2 account signing up for XXXX XXXX.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have a series of loans for my daughters ' college tuition financed by Nelnet. Although my daughters graduated several years ago, Nelnet auto debits my payments each month from my checking account and the interest rates are all fixed. Nelnet is increasing my monthly payments for the second time since my daughters ' graduation dates. I received a notice from Nelnet that it would increase my payments by more than {$130.00} per month. I called its customer service number and requested a management audit of my loans and payment history. I received an updated notice from Nelnet that indicated it would increase my monthly payments by approximately {$30.00} per month. I never received the detailed explanation from a Nelnet manager explaining how my payments could increase if the principal amount loaned did not increase, I did n't miss a payment and the interest rate is fixed.The only possible explanation is that Nelnet is misapplying my payments. Again, I request a full management audit of my loans and payment history, and a senior manager 's detailed explanation of why Nelnet has to increase my monthly payments.
Company Response:
State: OH
Zip: 43221
Submitted Via: Web
Date Sent: 2017-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nelnet Several accounts
Company Response:
State: FL
Zip: 33805
Submitted Via: Web
Date Sent: 2017-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was talked into taking out XXXX loans to attend XXXX ( a XXXX XXXX campus ), I was able to repay and now my credit is damaged. ( Between XXXX ) A few years ago I received a letter that my principal balance was reduced by XXXX, my new balance was XXXX. Was told to continue to make payments at the time I was not able too. Then called XXXX to try and make payment arrangements and with XXXX XXXX who claimed they were not aware? I am willing to repay my loan. Over the years they continue to send me letters requesting re-payment now with years of interest added on. I would like help like help with loan forgiveness. They were not honest about the process and for the loan and they did not allow refunds owed to students that could have covered the loan cost. Thank XXXX XXXX
Company Response:
State: FL
Zip: 33830
Submitted Via: Web
Date Sent: 2017-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-20
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I attended school online via XXXX University as well as XXXX College from XX/XX/XXXX-XX/XX/XXXX. At the time I was unaware that my high school diploma was from an unaccredited school. I contacted my loan servicer to make arrangements to pay back my loans which are totaled at {$48000.00}. I received a letter from a debt collection agency stating they 'd purchased my loans from the Department of Education. I contacted the Department of Education once again on XX/XX/XXXX to make arrangements to pay back my loans but was redirected to the debt collection agency and no one answered so I left a voicemail. These student loans are updating monthly showing a negative status and impacting my ability to purchase a home and I am unable to contact anyone to make payments or arrangements to bring the loans current. These loans have also affected my ability to gain employment which is kind of contradictory. If I ca n't get another job due to these loans, how am I supposed to pay them back? I 've tried for months to contact someone with no response.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2017-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. Included in the bankruptcy on, Official Form XXXX XXXX were three student loan amounts held and/or managed by XXXX XXXX/Nelnet : {$10000.00} Nelnet Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX- Last ActiveXX/XX/XXXX {$310.00} Nelnet Claims XXXX XXXX XXXX XXXX NE XXXX Opened XX/XX/XXXX - Last Active XX/XX/XXXX {$330.00} Nelnet Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX Last ActiveXX/XX/XXXX Total of Nelnet loans {$11000.00} The above were included on the Matrix of Creditors in aformentioned Bankruptcy filing submitted to the court on XX/XX/XXXX *** According to Official Form XXXX ( For Individuals or Joint Debtors ) Notice of Chapter XXXX Bankruptcy Case No Proof of Claim Deadline : " Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk 's office within the deadlines '' Dates : Meeting of creditors - XX/XX/XXXX at XXXX XXXX - No representative from Nelnet/XXXX XXXX XXXX attended the meeting Presumption of Abuse - Deadline to object to discharge or to challenge whether debts are dischargeable : Filing deadline :XX/XX/XXXX Deadline to object to exemptions : Filing deadline : 30 days after the conclusion of the meeting of creditors Deadline to object to intended abandonment : Filing deadline : 75 days after the conclusion of the meeting of creditors *** According to the " Certificate of Notice '' Form ID : XXXX - Notice by first class mail was sent to Nelnet by the Bankruptcy Noticing Center on XX/XX/XXXX. A discharge was granted by a United States Bankruptcy Judge *** Nelnet/XXXX reported to all three reporting agencies that the balance on the three Nelnet/XXXX loans was {$0.00}, they were discharged in Chapter XXXX Bankruptcy, and " Closed - Derogatory ''. The reports reflected this status for multiple months. During the same months, no statements for any loan are available. I inquired about the statements when I discovered the three student loans had reappeared with a balance on my credit report. +++ I have had discussions with Nelnet, XXXX XXXX XXXX XXXX, and the three credit bureaus. Nelnet has given me the runaround and says to check my statements. There were, however, no statements for the months that the loans showed up as Closed {$0.00}. I requested from Nelnet that they provide all statements for the year ofXX/XX/XXXX. The request was denied through an email that literally said " ... your request has been denied ... I was unable to get any explanation as to why they would n't send the statements. The same as above is true for XXXX as well. One of the other credit reporting agencies, XXXX I believe, did follow up on their investigation and stated the erroneous information had been removed and my report changed to reflect Closed {$0.00} for the most expensive loan. I 've tried several times to communicate with all involved parties and have gotten nowhere I have additional information if needed Thank you XXXX
Company Response:
State: KS
Zip: 66030
Submitted Via: Web
Date Sent: 2017-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A