Date Received: 2017-07-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: in XXXX I applied for Stafford loans to attend graduate school in the amount of {$500.00} and {$2800.00}. After XXXX obtained the money, they said I required a dummy math course. Nelnet serviced the loans. I became suspicious or over stressed by the course as nothing went through properly. Long story short, I requested that the money be sent back to the federal government, I became XXXX due to XXXX XXXX then I lived out of my car in XXXX . I only worked at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( LHI ) and that was less than 20 hours a month ; if and when I could get selected. These loans have been bounced around with nelnet, then yet another loan servicing entity. I can not seem to get any response. I do not know how much I owe and more importantly where is the money? my social security check are being garnished again. This makes the 4th time and I have reached out to XXXX XXXX office, and other educational entities. I am worried that I will not be able to make my rental payments and do not want to once again be forced to live from my car. I seem to not be able to get anyone to give me an accurate accounting Currently my Stafford student loans are being misplaced and my social security checks are being garnished {$240.00}. per month for a loan of less that {$4000.00}. From what I learned, the interest has been accruing and I have been charged twice for loan servicing. Plus the money is still in an account at XXXX . I live on less than {$2000.00} per month and my rent is {$860.00} and am obviously worried. If someone has the authority to do this to me, with a XXXX XXXX in XXXX XXXX , XXXX years old and a naturally born citizen, I think even if I could borrow money from someone ( which I ca n't ), that is n't the issue that needs to be investigated.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-18
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My private student loans through XXXX XXXX charge wildly different interest charges each month. I have been paying the loans for over 3 years now and have barely made a dent in the principal ( about {$1500.00} over 3 years. ) I have car payment and mortgages where the principal balance actually decreases at a great rate than these loans. My monthly payments are {$220.00} a month On XX/XX/XXXX I paid {$170.00} in interest and {$43.00} towards the principal The next month I paid 1 day later on XX/XX/XXXX and paid {$180.00} in interest and {$43.00} towards the principal. 1 day difference in payment makes that wild of a difference in interest?? On XX/XX/XXXX I paid {$150.00} in interest and {$68.00} in principal The next month I paid on the SAME exact day and still ended up paying greater interest XX/XX/XXXX {$170.00} went towards interest and {$52.00} towards principal. These are predatory loans and the company will not send me proof of my signed Master Promissory Note showing that these are in fact my original loans. I will not be making additional payments on these loans until they can prove that everything is correct on my account. I will be disputing this fraud on my credit report as well.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2017-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was contacted by US Dept of Education/NELNET about a student plus loan that I did not sign for. During initial contact XXXX 2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from NELNET. When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with NELNET I was told that I needed to file a police report, in which I did immediately. I provided the XXXX police report to NELNET ( incident # XXXX ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education - XXXX XXXX XXXX XXXX , TX XXXX ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the XXXX major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by NELNET to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/NELNET, XXXX XXXX , XXXX and XXXX for reporting inaccurate data.
Company Response:
State: IL
Zip: 61614
Submitted Via: Web
Date Sent: 2017-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I PULLED MY CREDIT BUREAUS REPORT AND SEE FRAUDULENT ACTIVITY ON MY CREDIT REPORT INFORMATION IS INCORRECT. THE INFORMATION ON ALL CREDIT BREAUS DOES NOT BELONGS TO ME. ACCOUNT SHOWS FOR A XXXX XXXX . MY NAME IS XXXX XXXX L. THE NAME/INFORMATION ON CREDIT REPORT SHOWING AN " XXXX XXXX '' .. I SENT OVER THE POLICE REPORT AND A SIGN AFFIDAVIT FROM THE IRS RECOGNIZING THAT I AM A VICTIM OF IDENTY THEFT TO " ALL '' THE CREDIT BREAUS. FOR MANY YEARS AND AS OF RECENT, I ' HAVE BEEN DISCRIMINATED AGAINST AND JUDGE UNFAIRLY FOR SEVERAL MONTHS, YEARS NOW BECAUSE OF MY CREDIT. I AM A VICTIM OF IDENTY FRAUD. THIS HAS HAD A HUGE EFFECT ON MY LIFE IN THE HORRIBLE WAY. IM UNABLE TO GET A JOB, GET HOUSING, MAKE PURCHASES, OBTAIN SERVICES, OBTAIN EMPLOYMENT, ECT. ALL BECAUSE OF THESE FRAUDULENT TRANSACTIONS ON MY CREDIT REPORT. THE ONLY TRANSACTION THAT IS VALID IS FROM XXXX XXXX
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2017-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XXXX XXXX , 2017 I sent this company a letter informing them that I will be sending them a check with a conditional endorsement which laid out the terms of an accord. XXXX shows that NELNET received this letter last XXXX XXXX , 2017 as shown in the attached copy of my certified mail receipt below and according to XXXX mail tracking website as shown in the attached files. I sent them a check dated XXXX XXXX , 2017 and they already cashed this check. Nelnet failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that your company broke the accord set forth by the conditional endorsement check you have cashed. This is a violation of California Civil code.
Company Response:
State: CA
Zip: 94123
Submitted Via: Web
Date Sent: 2017-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I already had a case with you case # XXXX. I had a XXXX XXXX during that time. I forgot or maybe tried to follow up. Social security XXXX account XXXX I am filing again against Nelnet for the mismagement of my student loans, the inaccuracies of information on loans, poor communication by nelnet to me about my student loans. Nelnet inability to correct the information on my loans they put there and is there fault. And has not been removed. Netnel in accuracy 's of my student loans being in XX/XX/XXXX. I reported to nelnet moving to a apartment and gave address. I never received mail from them at all at new address or old address was my mother 's. During XX/XX/XXXX the mail man came to my door and asked if I was XXXX XXXX, I was I said. He at that time showed me the address was incomplete and the mail was returned to them. I opened the letter it was Nelnet informing me they put me in repayments on XX/XX/XXXX. I was so upset to deal with them at this time, but I had to call nelnet. They informed me on the phone it was a clerical error on there part. The # A was n't put into the computer so on XX/XX/XXXX I was back into forbearance for my XXXX and XXXX XXXX. Here are my question on the inaccuracies of nelnet clerical error, nelnet is in violation as the loan servicer for not correcting that error on my student loans. They never took it off, they did put be back into forbearance for being XXXX and XXXX XXXX. The lender handle this situation when subsequent information updates where not made to my account by removing " XX/XX/XXXX in repayment thru XX/XX/XXXX. That should be taken off of my loans, it was there fault.so where is the accountability of for clerical error and there accountability to remove that black mark on my loans? I also reported to them at that time I did n't like having do to deal with them because on XX/XX/XXXX my mother passed of XXXX XXXX XXXX XXXX. So it was very hard during that time and still harder when no one would help me with my loans when my Mother 's living will was not going to be read tell XX/XX/XXXX or XX/XX/XXXX. It was a nightmare deals ng with nelnet and my mother 's death. I never knew they put me into a repayment. I have all notes dates and names. But I also took screenshots of my account with nelnet and yes the information has changed on my accounts. I took screenshots of department of ed information on my loans. Questions if federal laws are in place to protect me and help me with my student laws. No one help me, no one explained to me, in fact everything I sent to they nelnet was never goog enough for them. I was always told wrong letter wrong dates. The letter from social security was not good enough. But here is my big question there way did n't nelnet fill out the government form given to them by department of end ( omb no. XXXX ). No one sent that, nelnet knewvi was having trouble understanding want they needed. But the reason now is I was told by XXXX that in 30 days after I won my appeal to restay me into the XXXX and XXXX XXXX program. That nelnet would sent to the credit agency me loans where pay off, and remove all those delinquent payments on my credit report. I want a audit of my studentvloans. A complete audit, I want accountability for nelnet destroying my life and my credit. It is still gone. I contacted them asap when I learned my delinquent payments are still on report. Nelnet employee " XXXX '' called me sure he listen, but then it came the but. XXXX informed me they would not be taken off tell XX/XX/XXXX. That in asnt notvpart of it. My Federal law nelnet or stundent loan servicers is required to both update and correct information they provided to credit reporting agency. They wo n't do it. So really all through this with nelnet they played XXXX with me, destroyed me, had me jumping so high I did n't know want they needed. Accountability for nelnet not offering or giving me help. My income is {$910.00} a month on XXXX/SSI. They had so many options for me and never did anything but but destroy my credit and me. They are in violation of so many laws for the mismagement of my student loans, no communication with me. So am going to look into a attorney to help me now. I could go on with there inaccuracies of my student loans. And yes my XXXX problems started XX/XX/XXXX more right after mother 's XXXX, I had to deal with nelnet. XX/XX/XXXX I could of been done with the 3 year post monitoring. But they did n't take off the clerical error.
Company Response:
State: CA
Zip: 96007
Submitted Via: Web
Date Sent: 2017-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Went to NelNet website. Logged in. Made specific payment to XXXX XXXX . Put {$1000.00} on XXXX XXXX My {$1000.00} went to ALL XXXX loans XXXX XXXX . Called, dialed 0 to bypass robot answering, got XXXX woman. XXXX woman denied fixing the problem. Denied it went to all loans. Denied me talking to higher up personnel. Assured me I could fix problem myself. Assured me I made the mistake. Told me to have a nice day. Phone conversation ended.
Why ca n't I pay on specific groups as I have selected?! I want this issue fixed now.Company Response:
State: WA
Zip: 99403
Submitted Via: Web
Date Sent: 2017-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have filed for XXXX and am suppose to send information in each year. I mailed information and have faxed information several time On XX/XX/XXXX I received an email stating I need to make a payment. I was told on XX/XX/XXXX that Nelnet had received all my income verification When I calledn today XX/XX/XXXX they stated that they had received the information. I mailed them a copy on the XX/XX/XXXX and faxed the information as well. What did they do with my information.Please help I made {$5300.00} working for XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX That was my income for XX/XX/XXXX to XX/XX/XXXX . I am mailing them the copies again and addressing them to XXXX of whom i spoke with today at XXXX
Company Response:
State: AZ
Zip: 85713
Submitted Via: Web
Date Sent: 2017-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was told that with public student loans, I could defer them without interest accruing. Finally, when I started paying the loans I noticed that the principle had gone up significantly from when I had initially deferred them.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2017-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Nelnet has consistently been a problem. Nelnet XXXX XXXX & XXXX has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2017-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A