Date Received: 2017-06-01
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I write to complain about the debt collection conduct of XXXX, XXXX XXXX, and XXXX loan servicing. I owe about {$30000.00} on a private student loan I took out with XXXX to attend XXXX school in XXXX XXXX XXXX. I graduated in XX/XX/XXXX, and was working in the XXXX XXXX XXXX XXXX XXXX XXXX when I XX/XX/XXXX XXXX XXXX The injury occurred two years ago, and as a result I had to stop working. I got XXXX, and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XX/XX/XXXX, I no longer can pay the loans.
I called XXXX well before XX/XX/XXXXand advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. XXXX told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 years that I have been in repayment. XXXX began calling me in XX/XX/XXXX, telling me i was late on my payment. Every time they called I explained my XXXX XXXX and how it stopped me from working and that I had used up my savings. XXXX then transferred the case to a new servicer, XXXX. XXXX began calling onXX/XX/XXXXXX/XX/XXXX, demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency. I have similar problems repaying loans held by XXXX XXXX.. XXXX gave me one-month forbearance for XX/XX/XXXX, but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possible.Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received several calls from Nelnet trying to collect money from me, but I do not owe any. When I called them today to ask about this, they claimed that no calls are being made to my number. The most recent call was made on Thursday, XXXX XXXX , 2017 , at XXXX EST. They left a message on my voicemail which I have a recording of as proof that Nelnet is making calls to me.
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Nelnet bought out the company that issues/holds student loans in the state of SC. When they bought out the company, they had an old address and phone number for me. Any auto debits that were set up with the old company did n't transfer to Nelnet. The y ended up having me as 90 days past due when I had no idea that they owned my loan now. I called to settle this once I saw it on my credit report, and they had no problem giving me a forbearance and bringing me current, but refused to remove the hits on my credit ( which was XXXX separate loans ) because they said they sent letters and call ed ( even though they had the address and phone number wrong ). I 'm a veteran and am trying to secure a VA loan for a house, and this hit to m y credit score is making it difficult.
Company Response:
State: SC
Zip: 29406
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have a federal student loan serviced by Nelnet. Every month I pay more than the minimum amount due. I discovered that the extra money is not getting applied to the balance. Instead they are allocating it towards the following month 's payment. I contacted Nelnet about this in XXXX of 2017, sayin g that I wanted my extra money to be applied to my balance, not to advance the due date of future payments. When I went to make a payment today ( XX/XX/17 ), I noticed it had n't changed. I contacted them again and was told that my request to not advance the due date was denied on XX/XX/17 . I was told the due date was going to continue to advance and that it should n't matter. I was told I could apply again, but it would probably be denied a second time. So borrowers have to make a special application to request that their extra payments be allocated properly, and that the servicer can deny them and basically say " tough luck. ''
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: As a XXXX that qualifies for {$17000.00} in loan forgiveness, I attempted to call my lender several times to discuss adjusting my payment plan or making a lump sum payment on the remainder of my loans that will follow the forgiveness. There are not any options to speak with a representative through the phone, and after sending several emails over a two mon th span, I have yet to receive any response to my questions and concerns. The agency has continued to send automated messages threatening my credit, while ignoring every attempt I have made to contact them.
Company Response:
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On Tuesday XXXX XXXX , 2017 , I phone d Nelnet, my federal student loan provider, to get information regarding a loan forgiveness program. I expected to speak to any number of their loan counselors after providing my birthdate and last 4 digits of my SS # as I have done countless times before. Not this time. The first question was " are you interested in a loan forgiveness program? '' That struck me as strange but I pressed 1 anyway. I was asked a few simple questions. What was the total of my debt. Am I current or in default with payments. I was then transferred to someone else who could verify if I qualified for the forgiveness program. Of course I qualified with a three month application fee of over {$190.00} over a course of three months. The issue I have with this is that I called a federal loan provider, Nelnet by the number they have listed on their billing sheet XXXX . Unacceptable.
Company Response:
State: MI
Zip: 48170
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Im writing to complain about information presented o n Nelnet 's Income-Driven Repayment Plan site. Based on information derived from Nelnets Income-Driven Repayment Plan site ( which is a calculator to estimate repayment plans ), I believed I could significantly lower my monthly payments, and so I submitted an IDR application in XXXX XXXX . My loan payment amount was reduced from {$890.00} to {$830.00}. As this was not as large a decrease as I was quoted, I chatted with Nelnets service/ help desk who informed me that my spouses loans were not factored into my payment calculation. Based on their guidance, I resubmitted an IDR application in XXXX XXXX and then in XXXX XXXX . In late XXXX , I received notice that my monthly plan was reduced to {$770.00}. As I was surprised my monthly payment was still high compared to the quote range I received on Nelnets Income-Driven Repayment Plan site, I re-checked Nelnets website on XXXX XXXX . I entered accurate information about my salary ( I used my XXXX XXXX ), m y tax filing status, my family size, and other loans held by me and my spouse and I was quoted $ XXXX month fo r ICR plan. Using the exact same information I provided to Nelnet in my IDR application, I was quoted a completely different amount than what was determined by Nelnet to be my payment amount. I contacted the service/ help desk to ask for an explanation for this wide discrepancy but they were not able to explain the difference. The service desk k ept saying they can not explain the amount I was quoted on their website because they can not confirm what information I entered. Essentially, they take no accountability for what 's on their website.I am writing to complain about the misinformation presented on Nelnets site. It makes me questions Nelnets business ethics that information on the website is so off and that your staff are unable to provide explanations. I do n't trust how they are calculating my payments.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-29
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: NELNET Obstruction of Income-Based Repayment Application : In XXXX XXXX after becoming unemployed, I made application for income-based repayment plan for student loans serviced by both XXXX and NELNET in coordination with the DOE income-based repayment application web portal ( See attached ). XXXX approved the application but NELNET obstructed the application because it claimed it did not participate with DOE 's electronic process ( See attached ). The electronic application was downloaded from the DOE web portal and mailed to NELNET with supporting documentation. I did not hear back from NELNET for some time and when I contacted them in XXXX XXXX I was informed that my loans were in default and no longer handled by NELNET. I would need to contact XXXX XXXX for loan rehabilitation. I incurred a {$10000.00} default fee sometime between XXXX XXXX and XXXX XXXX because NELNET obstructed my application. My NELNET rehabilitation started in XXXX XXXX . How can the very same income-based repayment plan application properly coordinated through the DOE web portal be accepted by one servicing agency and rejected by another. Something is terribly wrong with this process and should be thoroughly investigated. Request your assistance in removing these default fees and obtaining the same income-based repayment plan approved by XXXX .
Company Response:
State: MD
Zip: 21811
Submitted Via: Web
Date Sent: 2017-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Became XXXX and could n't repay. Due to a rule that a XXXX person must have review date longer than 5 years on their case. Mine is 3 years. I 'm XXXX XXXX and receive XXXX payments from the federal government. If a person on XXXX XXXX and they have a XXXX XXXX or XXXX it should n't matter the review length.
Company Response:
State: KY
Zip: 411XX
Submitted Via: Web
Date Sent: 2017-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-27
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have submitted documents to apply for an income-driven repayment plan 4 times. The company keeps replying they ca n't read the documents I sent ( they were scanned and sent in two different formats. ) The last time I submitted paperwork they replied Asking for a document I already submitted. They keep delaying my application in order to add more interest to my debt. All the documentation was properly submitted, and I have the emails to prove it. Nelnet is maliciously delaying the process.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2017-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A