Date Received: 2017-04-10
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: I was XXXX yrs old when I started XXXX college. We were shuffled through to speak to advisors and mine was an XXXX old helper who signed me up for my first classes and inadvertently an XXXX XXXX XXXX degree after stating my goal was to obtain an XXXX XXXX XXXX degree. The next year, when I needed help, I met my advisor who found and fixed my degree plan and set my course of classes which some classes I had already taken were not necessary. I then found out there was a new XXXX XXXX XXXX ( XXXX ) program starting that next fall so I begin taking all preliminary classes to set myself up for the program. That same semester I get assigned a new advisor and asked to go be introduced. During that meeting, he mentions with the classes I had taken before I began taking classes in the XXXX building could qualify me for an XXXX XXXX XXXX degree now but I should hold off on filing to graduate until after I have completed the program and file for both degrees at once. This way the student loans can continue to roll in whereas by signing up for a degree now, I will not be eligible to take the program classes. I then get assigned a new advisor in the XXXX building and she verified the previous advise, that what I had taken in classes could technically get me a XXXX XXXX degree but I wo n't be able to do anything with it and to file for both degrees after the program. Fall came and we were now told it would be Spring before the XXXX program could start, they were looking to hire someone to run the program. Spring came and they decided to scrap the program all together. Now I have all these XXXX classes taken and no program as promised. I then weigh my options and settle for the XXXX XXXX XXXX ( XXXX ) program considering the classes I had taken worked better towards that program. Next I finish all the prerequisite classes needed to be accepted for the XXXX program. Then I enroll, go through the interview process, get accepted into the program, buy all my books for the semester, and two days before my classes start, the school drops me from all my classes without a notification. I go online to print out my class schedule to find I 'm not even enrolled. So I rush up to school to find out what 's what and I 'm told I have enough credit hours for a completed degree. After explaining what the other two advisors suggested and I had also been accepted into the XXXX program, she apologizes to me and for their error, explains they should not have told you this and there can not be two degrees obtained in a XXXX college. I ask her what am I to do with this degree? Where can I go with and XXXX XXXX XXXX XXXX degree at the age of XXXX ? I had basically just spent all this money to re-do high school! She said I did n't even get a XXXX XXXX degree but might be able to shift some classes around as substitutes and pull out a XXXX XXXX degree. I told her I never signed up for XXXX XXXX degree, it had always been XXXX XXXX XXXX since day one. She apologized, wound up substituting a total of eight cla sses and presented me with an XXXX XXXX XXXX in XXXX XXXX degree agreement and a list of four year colleges I can apply to. I feel cheated. Like all the time and energy I 've spent trying to learn a trade and earn a degree that could potentially afford me a comfortable living was thwarted by this one schools lack of knowledge, leadership, advisory board members, and communication. Today I find I am still only qualified to earn what I have in the past and still only offered the same XXXX or XXXX XXXX jobs I was offered in the past. This is the sole reason I went back to school was to get away from this type of employment of working every holiday, weekends, standing on concrete floors, and minimum wage. Now I am XXXX years old a nd faced with a student loan debt on a XXXX salary.
Company Response:
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2017-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-10
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I am not sure if Nelnet is the federal government or a non- federal student loan. Department Of Education/NELNET In XX/XX/XXXX, I took out a parent-plus loan in the amount of {$5000.00} for my son who was attending college. I began paying the loan back in XX/XX/XXXX. I made monthly payment until XX/XX/XXXX and several payments in XXXX. My remaining balance was {$2400.00}. I applied for Total and Permanent XXXX discharge through Nelnet and was approved to be XXXX from the loan. In XXXX I begin receiving letters from them stating that because I did not following the instruction of the 3 year monitoring period the loan was reinstated. When I checked my credit report Nelnet added a loan from XX/XX/XXXX that I did not take out and I have no knowledge of this additional loan. I have never been to college and never applied for any additional student loans. I have wrote them several times asking them to remove this loan. I informed them that I did not take out this loan from XX/XX/XXXX. I also informed them that I had only taken out one loan and it was a parent-plus loan in XX/XX/XXXX, and my balance was {$2400.00}. I informed Nelnet to please correct this because they are sending me statements that I have two separate loans totaling over {$5000.00}. Also they have put this on my credit report. Nelnet has not remove this from my credit report and has not address my problem. Also I have applied for Total and permanent XXXX again because I am on social security because I am XXXX and I have sent them all the documentation but have not heard from them.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-09
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: i am being charged an extra XXXX dollars on my student loans that Nelnet nor the XXXX will assist with finding out why. Loans were consolidated and put as additional loans on my account and i did not consolidate. Both companies have stated that they have no record of an application being completed for the consolidation. i have a print of of my loans and they add up to an estimated XXXX plus interest of XXXX would equal XXXX but my loan account is showing XXXX no answers have been given and nothing has ben done between both entities. Please assist with this matter. Thank you.
Company Response:
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2017-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-07
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: Despite repeated requests, Nelnet will not grant me access to my online account. If they fail to abide this, I will be forced to file a civil action and a claim with US Dept of Education Ombudsman 's Office through my Congressman 's Office to compel the US Dept of Education to compel Nelnet to allow me access to see how much interest has accrued since the filing of my Chapter XXXX Bankruptcy. If there is such a regulation or law prohibiting me access to my student loans account online, then I have a legal right to Discovery. Please provide the following : ( 1 ) the legal statue ( cited with section and paragraph number ), ( 2 ) when this statue was enacted, and ( 3 ) the exact verbiage of the statue and how Nelnet is interpretting this statue. If it is a regulation, then please cite the regulation, which Federal agency it falls under, and a point of contact person at that agency regarding this matter.
Company Response:
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2017-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-04-06
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: It was on XX/XX/2009 I take a student loan to go back to school the school closed by the board education .this my responsible to pay the loan. In my request as many times explain to Depted Nelnet to help me resolved his situation. And keep going up in credit reporting. Please wanted help.
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Consumer Complaint: Ca n't afford to pay the monthly payments. Contacted the provider and they stated they ca n't do anything for me. I 'm not sure why I 'm paying for a loan for a degree that does n't exist.
Company Response:
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-05
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: The auto-debit system overcharged me approximately {$540.00} for the month of XX/XX/XXXX. This placed undue pressure on my financial situation by making a large drawdown on my savings account. The auto-debit instructions make no statement about the potential to overpay for the month.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-05
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: This is my second time submitting a complaint about student loan serviced Nelnet. The information that they responded to about my first complaint undeniably backs up my claims of the unlawful practices that this company displays and the 90-day late fees should be removed from my ALL XXXX of the credit bureaus. The information that they provided backed up my original complaint that they had contacted me via the incorrect contact method, the details that I will provide show that the email address that they used was one letter away from my correct emailing address. This was simple human error on their end. Although mistakes happen, my credit score is suffering immediately because of the mistake and this issue should be resolved expeditiously!
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-05
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: I applied to have my federal student loans put on an income-based repayment plan and, after submitting my paperwork ( including proof of my small salary ), I was asked to submit my wife 's financial information ( including her student loan info ). After this I was told I only qualified for a $ XXXX/month reduction because of our combined income. My wife does not pay my loans, I do, and this is completely ridiculous and unfair. I can not afford a $ XXXX/month student loan payment and either can my wife.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-05
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I have struggled to obtain accurate information about my loan, mainly repayment with First Mark Services. First Mark Services is servicing XXXX private loans. I received information from XXXX that my loan would no longer be serviced by them the first month after my loans came out of forbearance. My first month payment came from First Mark and was completely unaffordable. I called them immediately so see what I could do to get on a more affordable repayment plan. I was advised by a representative that I should call XXXX to see if they could restructure my loan so that I would be eligible to be enrolled in a repayment option that would work for me. When I called XXXX I was informed that it was " severely inappropriate '' that I was advised by First Mark Services to call them because they no longer had access to my loan and to essentially stop calling them. I called First Mark Services the next day to inform them of what I was told by XXXX the representative said that he did not know of any other options open to me and that I should seek a 3rd party to reconsolidate my loan. I have been paying interest on these loans since I first obtained them years ago and my credit is not that great so that option is not really an option to me. I received multiple calls in regards to my account being past due and each time I spoke to a customer service representative to see if they could find something that would help me make payments. I spoke with someone about making partial payments and they told me that it did not make sense to do that because the late fees were so heavy that I was just making payments on the late fees and not actually towards my past due amount. Yesterday I spoke with a representative who informed me that I was eligible to get on a graduated payment plan that would drastically reduce my monthly payments if I could pay the past due balance. I felt so relieved! I asked to speak to a supervisor to inform them that I was displeased with the fact that my account was now two months past due because I could not afford the high monthly payment but if I had been informed of the graduated payment plan that I would have been able to pay from the get go. The supervisor then informed me that the previous representative was misinformed and that my account was in fact NOT eligible for graduated payments. I am now back at square one. I am receiving information on my loan and repayment options that are not true and I am not receiving the assistance and customer service that I believe that I deserve. I have tried very hard to portray how important maintaining a good standing with the company and keeping up with my payments is to me and First Mark just does not seem to care. I am unsure of what my options are now. I can not afford the only option they are offering me and I am confused because I am getting information that is true and helpful one second and then nothing the next. I have informed the company of how disappointed I am with the services and they seem to care less and have not offered to assist me in anyway.
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No