Date Received: 2017-06-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: After receiving a past due notice, I called on XXXX to inform Nelnet that m y bank showed my {$660.00} XXXX payment delivered on XXXX . Via speake rphone my wife and I heard : 1 ) Th ere was no record of a paymen t 2 ) T he XXXX monthly payment would go to more than {$1000.00} as the XXXX payment, listed as regular " regular payment '' on the bill, was for interest only. 3 ) There w as no record of the lost payment and no explanation for the increased monthly amount. 4 ) A fter a transfer to a supervisor, " XXXX '' stated that : a ) A new account number was needed for payments b ) Ther e was no credit listed to the old account. c ) Service personnel were " Not allowed '' to review income or payment cal culations d ) A 2 month forbearance was offered to give time to resolve the following issu es : 1. Co pies of electronically signed agreements and disclosures - none being available on the website. 2. An Amortization schedule for the current loan 3. A clear presentation, with figures, of the available loan choices 4. A guarantee that the account will not be listed as past due because of accounting errors. 5 ) On the same day as the above conversation, my bank e-mailed to say that the payment had been rejected b y Nelnet ( with no notice, to us, or apparently, to the Nelnet staff ). Background for this complaint - having XXXX , in part to deal with my wife 's health issues, I requested an income contingent payment since my income had dropped and would continue to drop ; rising payments ever y two years would quickly become untenable. The request was rejected until all of our loans were consolidated. After consolidating I was asked to resubmit affidavits stating my income for XXXX as well as income for my wife. At that point, even after having been " approved '', I could not get a firm figure over the phone for the payment amount. The story was that calculations were done by an different ( and unreachable ) department and that I would be advised when the payment was determined. I did certify that I would report income changes on a yearly basis but did not see an amortization schedule.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2017-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-26
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: I recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything. 2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters. 3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws. 4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # Dept Of Education/Nelnet All XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2017-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My payment history with my student loan servicer ( Nelnet ) for the past 8 years has been flawless. When my student loan went into repayment in XX/XX/XXXX, the company offered me several incentives for waived payments, principle and interest rate reductions in exchange for signing up for auto debit and e-statements/correspondence ( which I enrolled in without hesitation ). However, now that it has come time to honor their end of these payment agreements, Nelnet has insisted that I am not entitled to the waived payments and interest rate reductions that were promised.
Included here is a clear timeline of emails which illustrate my proper enrollment in each incentive, confirmation emails, and other points of contact which document Nelnets refusal to honor those specific incentives. Also, you may find conflicting explanations and attempts to work through the differences with the companys guarantor ( XXXX XXXX ) which were unsuccessful. Furthermore, Nelnet has ( on more than one occasion ) told me via phone or email that I did not qualify for an incentive that I actually received ( 3.33 % Principle Reduction ). The company has been unequivocally misleading, unprofessional, and careless causing me to spend hours on the phone without merit. [ Please note that my Nelnet account is comprised of two separate loan groups : Group A or 1 lender being XXXX XXXX XXXX XXXX and Group B or 2 lender, XXXX XXXX XXXX XXXX. ] The following is a specific timeline including dates and actions taken by me or the company : [ XX/XX/XXXX ] : Nelnet email indicating that I am eligible for my last 5-12 payments being waved on my Group 2 loan. *See Email 1 ( attached ). [ XX/XX/XXXX ] : Nelnet emails confirmation of incentive enrollment ( with one final step needed to complete the enrollment process ). *See Email 2 ( attached ). [XX/XX/XXXX ] : Nelnet emails confirmation of enrollment being accepted. This email indicates that enrollment was completed within the required time frame of 90 days from the first email. *See Email 3 ( attached ). [ XX/XX/XXXX ] : Representative informed me ( via phone ) in the following days that my Group 2 loan would have the last 7 payments waived - five for enrolling in e-statements plus two for auto debit ). No further explanation was detailed re : why I did not qualify for all 12 payment waivers. [ XX/XX/XXXX ] : Nelnet emails faulty screen shots explaining why I did not qualify for 3.33 % Principle Reduction ( PR ). *See Emails 4 and 4a ( attached ). [ XX/XX/XXXX ] : After numerous calls arguing the above re : PR, Nelnet emails a second, contrasting explanation of why I did not qualify for 3.33 % PR. *See Emails 5 and 5a ( attached ). [ XX/XX/XXXX through XX/XX/XXXX ] : Made numerous calls and wrote several emails corresponding with various representatives, incentive research team members, and supervisors to provide written documentation and explain why I should be receiving all of the above incentives. Each time I placed a call with Nelnet, the representative would begin by telling me that I do not qualify for any of the incentives but would admit that they had not been at the company longer than 3 months and had never heard of the incentives. Calls would always drag on for hours as representatives would repeatedly place me on extended holds to have a supervisor research the incentive before they could even discuss it with me. XXXX, a supervisor I spoke with, indicated that the 2 waived payments should be logged and awarded but that there was a " system error which should be corrected once the back office was open ( M-F ). She told me that she would contact me once it was resolved but no further contact was made. XXXX also said that she had no employee number or confirmation code she could provide as proof documenting our conversation and that I could just call back and ask for her anytime. When I called back no one had heard of this person and the conversation was never documented. Frustrated by the ongoing back and forth, I called and asked another representative if I could just pay my balance in full and subtract the 7 waived payments. Although I was told that this would be an acceptable method to pay off my balance and close my account, when I called back with my bank account information the representative indicated that I could not make any payment exceeding the amount of 3 payments and still qualify for the waived payments. When I asked for a copy of the terms and conditions that would explain this stipulation, I was told that there was no such document. In addition to the waived payment incentives, Nelnet has been unable to explain why my Group 2 loan was disqualified from a 0.25 % interest rate reduction which should have been applied to Groups 1 and 2 after signing up for auto debit and making one payment. I have made several requests to receive the terms and conditions for each of these incentives but am only told that my loan was disqualified for reasons not verifiable. [ XX/XX/XXXX ] : Nelnet emails that I do not qualify for any incentive other than the 5 waived payments. *See Email 6 ( attached ). [ XX/XX/XXXX ] : Emailed XXXX XXXX, ombudsman of XXXX XXXX, at the direction of Dept. of Education Federal Student Aid Ombudsmen office which I called to file a complaint of Nelnets business practices. *See Email 7 ( attached ). [ XX/XX/XXXX ] : Nelnet representative ( XXXX ) tells me and XXXX XXXX ( via phone conference call ) that I did in fact receive the 3.33 % PR on XX/XX/XXXX ( {$280.00} ). This was in spite of Nelnet sharing " supporting documentation '' to XXXX XXXX indicating that I did not qualify for the 3.33 % PR. *See Email 8 ( attached ). [ Nelnet still refuses to provide me a detailed payment or transaction history which would show this credit is valid or actually took place. ] [ XX/XX/XXXX ] : Nelnet will not honor my last 2 waived payments for enrolling in auto debit or the 0.25 % interest rate reduction on my Group 2 loan. Additionally, XXXX XXXX XXXX has told me that there is nothing more he will do on his end as the guarantors representative despite my documentation showing I qualify for all the above incentives. In follow-up discussions, XXXX XXXX acknowledged that Nelnet provided him with bad/conflicting information before the conference call. Nonetheless, he eventually gave up dealing with Nelnet and told me I should call their ombudsman to work out any further issues.Company Response:
State: HI
Zip: 96813
Submitted Via: Web
Date Sent: 2017-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-23
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: For several years now, I have been signed up for the IBR plan for my federal student loans, administered through NelNet. I used the IBR plan as it both allowed more flexibility in monthly payments, and kept interest from capitalizing as long as I was on the plan. As my intention was to get the loans paid off in a quick manner, I wanted to be as efficient as possible.
On XXXX XXXX XXXX I submitted my repayment plan recertification through the Student Loans.gov site and received a confirmation email from the site. On XXXX XXXX, Nelnet sent me an email notifying me that they had received the application, and that they would be in touch regarding any needs. I believe I mailed in my paper application, as instructed by the website, on or around XXXX XXXX. On XXXX XXXX, Nelnet sent an email confirming that my application was in review. I received another such email from Nelnet on XXXX XXXX. On XXXX XXXX and XXXX XXXX I received standard communications regarding my account ( auto-debit, and a statement available ). No other communications from Nelnet were received until XXXX XXXX. In the meantime, XXXX XXXX XXXX was my last of work. As of XXXX XXXX, I was working on starting XXXX XXXX XXXX, under the understanding that I was on IBR, and would be able to continue the lower payments. My income therefore dropped to {$0.00}. On XXXX XXXX XXXX Nelnet notified me via email that all the accrued interest XXXX just short of {$50000.00} ) was going to capitalize, meaning it would be added to the principal amount of the loan and I would be charged interest on it. This would make it much harder for me to repay the loans, as interest would accrue faster. I called Nelnet on XXXX XXXX and spoke with an associate who explained that because I had " missed '' the deadline of XXXX XXXX to submit my income verification, the loan reverted to standard repayment and the interest capitalized. He insisted that a letter had been sent on XXXX XXXX informing me of missing information in my application. I never received such a letter ( as evidenced by the dates of communications I did receive outlined above ). He also told me that Nelnet has an internal processing time of 15 days, and so I needed to have my application in by XXXX XXXX in order to have it done in time. If I had turned in my application before the deadline, but not in enough time for processing, I would still have lost my IBR status. He let me know that there was no way to undo the capitalization of the interest. He did put me on a forbearance so that I could have time to determine my options. He then passed me on to a supervisor. The supervisor also noted the existence of a XXXX XXXX letter. I emphasized that I never received such a communication. I informed the supervisor that it was my belief I had accurately submitted the application, and no communication to the contrary was received. It was my contention during the phone call that as I had not received any communication regarding anything wrong with my application that some amount of consideration should be extended. The supervisor admitted that I was signed up for electronic communications, so the email should have gone directly to my email. I informed him that no such letter arrived, and it was not in my inbox, in the folder where I file communications from Nelnet, in my spam or trash folders. He informed me that there was no way to undo the capitalization, and no one with authority in the organization to do so. He gave me some options for repayment plans, but I was unprepared to commit to any particular plan as I had no time to research my options. He said he would send me an application to turn in when I decided what I want to do.Company Response:
State: CA
Zip: 92115
Submitted Via: Web
Date Sent: 2017-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-23
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I am currently in the process of re-verifying my income based repayments. I filled out the forms and spoke with a representative on, XX/XX/XXXX. They Stated that they had received my Application and that all I needed to do was send my proof of income. I am currently not working and I thought I made that clear during the process so I sent in an email my husbands proof of incomes detailing how often he is paid, which is all the information they requested. I put my account number in the email, and I left a phone number requesting a Call if there was any other information they needed to process the application. I called on XX/XX/XXXX to verify that my email was received. They stated that they had the information and that it should take a few weeks to process. I assumed this meant that everything was squared away and that I had completed my end of the process. I continued to make my normal payments. On XX/XX/XXXX I logged into my account and noticed that my payment had jumped from XXXX to XXXX. I immediately called the customer service line. When I asked why the payment had increased the representative stated that it was because I never re-certified my income. When I tried to get ask why my information was not processed I received unhelpful answers. I was first told that they never received my e-mail. When I stated that I was told by a different representative that they had indeed received my email on XX/XX/XXXX, I was told that it was impossible because they do n't have access to the email, and that no one would have told me that they received my information that quickly because it takes 48 hours. I then gave her the date and time that the email was sent, and asked to have her look at it she stated that she did not have access to the email. I then asked to be transferred to someone who does have access to the emails and she stated that the department that has access to it does not have phones. I then asked how I can resolve this issue, as I had sent the information in a timely manner, and am now being told there was no way for customer service to check. She stated that I could resend my information. This was unsatisfactory to me as I had already done so, and had proof of doing so and it still was not processed correctly. I then began questioning the legality of what was being done with regards to my account and she stated that she would put me on hold and try to find someone with access to the email account. When she returned she stated that she can not access the emails, and upon further review of my application my documents were received and processed on XX/XX/XXXX, but that they still needed my personal proof of income. I asked how I was supposed to provide proof of income when I do not work currently, as only my spouse is working. I was told I filled out the application wrong and that I needed to send in a letter stating that I currently have no taxable income. I then asked why no one notified me, as I clearly stated in my email to contact me if any more information was needed and the response was that she did n't know. I have sent the requested info to the e-mail on XX/XX/XXXX.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2017-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-22
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My student loans are wi th Nelnet. When I sign into my account, I can not get any information regarding the term of the loan or how many payments I have left. The only payment details offered are " as of 2014 '', but do not give any term or number of payments left. I chatted with 2 separate representatives and they said that information was not available to me. I said I find it hard to believe that a payor is not entitled to that basic information and they just maintained it is not. This can not be legal. All I want is some documentation as to the term of my loan and how many payments are left.
Company Response:
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - DEPTEDNELNET. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/17, XXXX/XXXX/17 to DEPTEDNELNET, did not hear back from them on both occasions. XXXX XXXX AND XXXX are reporting negatively on my Credit files and they all need to remove them immediately. Nel Net information is fraudulent and inaacruate and that they need to remove DEPTEDNELNET IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX XXXX, AND XXXX or DEPTEDNELNET. As of XXXX/XXXX/17, DEPTEDNELNET is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/2017 so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
Company Response:
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX and again on XX/XX/XXXX I request under California Ci val Code # 2943, that the servicer Nelnet provide within 21 days : a ) Certified copy of the Promissory note ( the original student loan ) with any modifiactions there to, including all endorsements, allonges or other indicia of transfers and negotiations since the note was signed ; b ) Certified copy of the recorded loan with any modifications thereto, including all other indicia of assignments of beneficial interest ; c ) Claimed unpaid balance of the loan ( full accounting from loan inclination to date of demand including but not limited to interest rate charge dates and changed rate - i.e. amortization table format ) ; d ) Claimed amounts paid ( indica of consideration ) for transfers of beneficial interest and dates of those paid amounts ( " for value received '' ), admissible evidence of an actual transaction ; e ) Current variable interest rate of teh loan along with history of changes thereto and thereof : f ) The end of the term of the loan ; What I received on XX/XX/XXXX was an account summary for XXXX XXXX prepared XX/XX/XXXX with a start date of XX/XX/XXXX ( not XX/XX/XXXX ) for loan # 1 with a principal balance of {$5500.00} and loan # 2 with a principal balance of {$3500.00}. I can not reconcile all my loan payments since inception and if they were applied correctly.Most interesting and alarming is that in the servicer 's response was a 1 page Application and Promissory Note ( not in my hand writing -very unusual ) date stamped XX/XX/XXXX and page 2 with my signature dated XX/XX/XXXX which looks like it maybe part of a Promissory Note. Question HOW DOES A LOAN GET FUNDED PRIOR TO AN APPLICATION BEING SUBMITTED AND APPROVED??????? This is what alerted me to potential fraud and that servicer has no standing or pretend lender has no standing in the alleged note. I therefore made 2 demands to Nelnet to refund the amount paid to Nelnet on loan # 1 {$6600.00} and loan # 2 {$4200.00}.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX at XXXX, I contacted XXXX XXXX by phone at XXXX because of undue hardship. I asked the representative what I could do to lower my payments because of unforeseen hardship and issues that arose in my life. Note : I never inquired about a forbearance. I specifically asked about lowering my payments. After being put on hold for a brief moment, the female representative returned and said " I have good news, you 're approved for a two month forbearance '' to which I replied that 's great. She explained to me that I was approved for a two month forbearance. She followed that by removing me off of auto-pay without my consent. I asked her when my next payment will be and she said XX/XX/XXXX. Before I got off the phone I confirmed the information again. I have a two month forbearance and my next payment will be on XX/XX/XXXX. In order to get back on auto-pay I would have to call a few weeks before the XX/XX/XXXX to give my auto-pay enough time to process. I signed up for auto-pay from day 1 of my loan. In doing so, my interest rate dropped 0.25 %. Doing this saved me money each month as well as guaranteed that I would never be late for a payment. Before XX/XX/XXXX, I never miss a payment nor have I ever made a late payment. In fact I 've always payed anywhere between {$60.00} - {$100.00} over the minimum payment. I tried to resolve the problem with XXXX XXXX by calling them on multiple occasions. Below is a list of dates when I called : XX/XX/XXXX - Inquired about payment options. Again, I 'd like to emphasize that I never asked for a forbearance. The representative I spoke to brought it to my attention and said I was approved. I was told XXXX XXXX, 2017 was my next payment. XX/XX/XXXX - Received a voice message that was hard to understand who and what the message was about. XX/XX/XXXX - Received another voice message that said my forbearance was denied. I did n't think much of it because I was specifically told by a real live confirmed XXXX XXXX representative that I was approved so I thought the phone call was a scam. Not only was I approved the rep went further and removed me from auto-pay because I was approved so I had no reason to believe or no way to confirm that this voice message was actually from XXXX XXXX XX/XX/XXXX - I called XXXX XXXX the lender of my loan at XXXX. I explained how I was approved for a two month forbearance, but I received a voice message saying that I was denied so, I was confused and not sure if the voice message was a scam, a real call or a robocall. The XXXX XXXX representative agreed with me that my situation was odd and transferred me to XXXX XXXX representative while she remained on the line. The XXXX rep explained to me that the forbearance was denied even though I was told that it was previously approved. I was so confused. I explained to her that I did not have two months worth of payments that they were asking for. I set my budget according to what I was told. I also explained that I should not be held responsible for their mistake. If anything they should honor what they told me or try to work with me in getting the account back to good standing. I also argued that they called me after the XX/XX/XXXX. ( my due date each month ). In calling me after my due date my payment was going to be late regardless. The rep was not helpful. In fact she was rude and kept telling me they tried to call me. Just because they tried to call me does n't remove the fact that I was told that I was approved for a two month forbearance. I asked to speak to a supervisor who I believe was not a supervisor the female rep just transferred me to another representative who told me that the rep I spoke to in XX/XX/XXXX made a mistake in telling me I was approved. He then told me how I should try and call the XXXX XXXX since they were in charge of the loan or try to refinance. He said they were n't able to do anything since they just serviced the loan. The call ended after about 1 hour with no resolution. I followed that phone call by calling XXXX XXXX again in trying to see what could be done. The representative I spoke to said " they should n't be doing that. Call back and ask to speak to a supervisor. They 're trying to get you to refinance '' She said they were simply the originator of the loan, but XXXX XXXX should be able to help since they 're in charge of the loan. She told me that they should be able to help me. I called XXXX back at XXXX and asked to speak to a supervisor who again told me that they apologize but the rep I spoke to on XX/XX/XXXX made a mistake. I asked what could be done and was told that I had to pay or the calls and the reporting to the credit agencies would continue. I asked that the derogatory remarks be removed, but was told that they would n't remove any remarks. Again, nothing was resolved after hours on the phone and multiple calls to XXXX and XXXX XXXX in one day. XX/XX/XXXX - I called XXXX XXXX at XXXX and had the call escalated to a supervisor after I could n't get anywhere with the rep. Again, I explained that I could n't make two months worth of payments and asked what could be done because I wanted to pay and understand that I have an obligation. By no means was I trying to not pay I just needed them to work with me especially since the mistake was on their part. And when they finally tried to reach me it was after my due date. The also said they sent a letter but I never received a letter. I also explained to them that even though I received a call from them it was incumbent upon me to verify who was calling me and to make sure it was n't a scam. I explained how I was receiving calls from other fraudulent student loan companies that I reported to the Federal Trade Commission so, just because they said they called I had to verify that it was real. Also, I had reason to believe it was a scam because I was told I was approved on XX/XX/XXXX. XX/XX/XXXX - I called XXXX XXXX and had the call escalated to a supervisor after not getting any help from the representative. Nothing was resolved. They were unwilling to work with me even though I was willing to work with them. I did n't make a mistake nor have I ever made a late payment in 5 years yet they refused to lend any help or try to work with me. It should be noted that they did not call me in a timely manner. I received a voice message 3 weeks after I was approved for a two month forbearance. In calling me 3 weeks after I was approved and after my due date they put me in a position to fail. XX/XX/XXXX - I called XXXX XXXX and spoke to another supervisor again. I asked that my auto-pay be put back on so I can receive my 0.25 % reduction since I never asked for it to be removed. I explained how it 's unlawful to do something on my account without my account. I was told that they could n't put me back on auto-pay until the account was current. Currently my payments to XXXX is {$740.00}. Before I was removed from auto-pay my payments were {$680.00} a month. So now because of their mistake I have to pay an extra over {$55.00} a month and late fees every month. I told them that I was confused how I was being penalized and aked to pay more money for a mistake that they made. Noting was resolved. I also asked for a full investigation be done on my account. XX/XX/XXXX - I called XXXX XXXX Explained the situation again. Nothing was resolved.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My student loan was suppose to be deferred until XXXX. Late XXXX XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all XXXX credit bureaus that I was late and it dropped my score XXXX points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay Nelnet {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to Nelnet that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted Nelnet repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2017-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A