Date Received: 2017-03-07
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: I was told to break my complaint down into several parts since it involved multiple companies this section will feature Nelnet. I think it was XXXX I started getting XXXX from Nelnet. Nelnet was giving me stuff about my Federal Student Loans at the same time as Performant Recovery. I went to US Senator Warren and said what the XXXX? The account number Nelnet gave me does not match the account number XXXX gave me, the amount XXXX gave me does not match the amount Nelnet gave me. XXXX to XXXX I have about XXXX social security checks garnished none of which was reported to anybody. My phone used to ring off the fin hook from one machine calling my house to another one calling my house. After talking to the US Senator Warrem my check stop getting garnished. XXXX might have lost his job in XXXX of XXXX shortly after that however Nelnet said we are going to garnish your check this that and the other thing. Nelnet refused to give me a wage garnishment hearing. They said so in a letter dated XX/XX/XXXX Nelnet did not tell me about all of my legal options such as income based repayment, heavens to beltatross imagine if they did Im {$20000.00} under the discretionary income line for my state I would be ordered to pay monthly payments of XXXX dollars but the problem comes in companies like Nelnet dont make any money that way. I was going through XXXX in XXXX, I did not know if I could make it to US Senator Warren office, my doctors told me to avoid large groups of people. I didnt know how I could avoid that in XXXX, so I went to US Representative Tsongus office in XXXX, In XXXX of XXXX Nelnet sent me a letter they said I had 60 days from the date on that letter to comply. I set up a doctors appointment for XX/XX/XXXX which is about 1 week before the 60 day marker. In XX/XX/XXXX the US Dept of Edcuation garnished my social security check, what the XXXX they were not supposed to garnish my check until XXXX according to their own letters. They also garnished my check for XX/XX/XXXX, but did not for XXXX of XXXX. side note : I have more material to upload than your servers can handle on this matter my total amount of material easily exceeds 20 MB limit you have.
Company Response:
State: MA
Zip: 01826
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I filed numerous complaints against NELNET to no avail. I have submitted multiple correspondences to their corporation asking them to please submit validation and verification of the debt they stated that I owe ; and as of to date, they have failed to state a claim in which relief can be granted and they are still reporting numerous accounts on my credit profile. I have ask them to cease and desist all communication with me until they have provided me the original document with my wet-ink signature and they have yet to provide any documentation to me. If they claimed that they loan me any " money '' than it should't be this hard to provide me with the documentation but the truth is they never loan me any money it was my signature on the promissory note that created the funds and why are thy reporting numerous accounts on my create profile when there was only XXXX promissory note. I am tired of the fraud that have been committed against me and I am coming to you for help on this matter.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: During the month of XX/XX/XXXX and XX/XX/2016 I received to negative marks on my credit report for my student loans that I had faxed over correct paperwork two separate times to have my repayment plan updated. I was told they were received and I would get a response from them with in 30 days but while paperwork was being processed there would be an administrative forbearance added to my account so that it would stay current. this never took place and fro that my account went past due I have submitted and goodwill adjustment but nothing ever happen come to find out the lady whom handle my call entered my email wrong and I never received correct documents and now Nelnet refuses to honor the agreement that account would be updated
Company Response:
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: Submitted a signed/completed application to the total and permanent XXXX unit dated XX/XX/XXXX. On, XX/XX/XXXX, Nelnet the servicer under contract by the U.S. Department of Education to assist with the processing of the above mentioned program, sent a letter acknowledging the application, the letter states the review process can take up to 30 days. My initial review process actually took almost 60 days ( after many phone calls ), a letter from Nelnet dated XX/XX/XXXX advised that they want the Physician to update section 4, question 2. The medical doctor updated this information and faxed the correction with the words " XXXX '' along with her initials. This was faxed to Nelnet on XX/XX/XXXX and on XX/XX/XXXX, Nelnet acknowledged receiving this information. Now, two weeks later the application continues to claim " under review ''. Calls to the Nelnet service center at XXXX on XX/XX/XXXX, Sue advised that it only should take a few weeks. The call on XX/XX/XXXX, to Nelnet, XXXX advised that no set time exists, the processing has no time frame whatsoever. Nelnet needs to issue some continuity with customer service representatives, so that callers do not receive conflicting information.
Company Response:
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-05
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: On XX/XX/2017 I reached out to Nelnet regarding an extension for my Income Based Repayment Plan because I had yet to receive my W-2 's. The representative informed me that this information was not due until XXXX and I had " plenty of time ''. I then asked her to notate my account of this " due date '' and she did. Today, XX/XX/2017 I called Nelnet and requested the IBR form and the rep. informed me that the form was due tomorrow and that I have been " kicked off '' IBR and that I would face capitalization of my accrued interest of the past year and that would be applied to my principal balance. She acknowledged that a rep had written an XXXX due date on my account and that this was incorrect information given to me by this representative. Since she would not assist me after I was provided incorrect information by her colleague, I asked to speak to a manager. I was transferred to XXXX who stated that my IBR form was not due tomorrow, but due last month. He also acknowledged the XXXX due date notated on my account and also acknowledged that I was given an incorrect due date however would not assist me. In fact, I am being penalized. I am now being Capitalized on my interest, in the amount of {$2300.00}, toward my principal balance. Both representatives are acknowledging that another agent gave me that information and are still penalizing me for acting on it.
Company Response:
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: My past students loans were all discharged and I have it in writing by the US Dept of Education/Nelnet XXXX unit. Yet they are harassing me demanding I pay the student loans in full and threatening to garnish my wages. US Dept Education XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-03
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: On XX/XX/2017, I received correspondence from Nelnet that I could apply for an income-driven repayment plan. On XX/XX/2017, I received correspondence from Nelnet, which stated : " Your federal student loans are in their six-month grace period, so we 've placed your income-driven repayment request on hold. We will process your request once your grace period ends. '' When I logged into my account to make my first payment in XXXX, my application had not been processed as Nelnet had stated in the letter. I was unable to afford the {$830.00} amount that was due, and I informed Nelnet of my inability to pay and their error in failing to process my application. I was informed by Nelnet that my application was not processed because it was submitted too early -- in direct contradiction with their earlier correspondence to me -- and that I would have to reapply. I was told that the only manner in which I could avoid the {$830.00} payment was to request a forbearance. I had no choice, and I incurred thousands of dollars in interest charges due to my requested one-month forbearance while my second application for an income-driven plan was being processed. My application was accepted for Pay as You Earn repayment plan at the end of XXXX, and I made my first payment of {$150.00} at the end of XXXX. I also signed up for the AutoDebit option on the website. Today, I looked at my bank statement and saw that Nelnet had debited {$830.00} from my account on XX/XX/2017 ( the payment 's due date ), even though I was only obligated to pay {$150.00} under my repayment plan. I contacted Nelnet, and the representative told me -- after placing me on hold for 5 minutes -- that the {$830.00} figure was, in fact, the correct figure. I told him that could not be true, because such a figure represents nearly 30 % of my total income -- drastically over the 10 % of discretionary income that the payment is supposed to be capped at by law. After placing me on hold for another 5 minutes, I was transferred to another representative. That representative told me that the {$150.00} figure was, in fact, the figure that I was obligated to pay. He told me that it would take some time to fix the issue and that the Department of Education would not be able to refund my excess payment for 4 -6 weeks. There are two discrete issues here. First, Nelnet explicitly told me to apply for an income-driven plan and later explicitly told me that my application would be processed in due time. It was not processed, I was told that I was at fault for that failure, and I incurred thousands of dollars of interest charges because I necessitated a forbearance through no fault of my own. Second, Nelnet, through their AutoDebit service, debited an extra {$670.00} from my account in the month of XXXX. It is unreasonable to make such a mistake -- I am just starting my career ; I am engaged in XXXX ; I make a modest salary ; and I have expenses such as rent, food, and utilities that I can not afford now because of this gross error. Because of Nelnet 's negligence, I now am worried that I can not pay my rent, keep my utilities on, or afford food for the remainder of XXXX until my refund from the Department of Education is processed. Not only was Nelnet negligent, but their representative actively attempted to mislead me by stating that the {$830.00} figure was the correct amount. If it were not for my own diligence, they would have continued to charge me an excess {$670.00} every month, leading to my complete financial ruin. Thus, I have had nothing but problems with Nelnet. First, I incurred thousands of dollars of interest charges because I merely trusted their correspondence, which stated explicitly that my application would be processed. Second, they debited an excess {$670.00} from my account and actively tried to mislead me to believe that they were not in error.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2017-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-03
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2017-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-03
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: In XX/XX/XXXX I consolidated an old student loan and selected Nelnet to be my servicing company with 3.88 % interest rate. All these years I have been making payment towards that loan. In XX/XX/XXXX I applied for a new loan once I returned to school. I just recently graduated and noticed that the new loan had an interest rate of 6.87 % through direct loan. I attempted to look at the consolidation again. The web site stated that this is just to see what rates are available and not completing the process. When I saw that I 'm not going to get a lower interest rate, it is basically the combination of XXXX fix rate, I did n't pursue it further. I looked for an alternative way to pay off my loan with 6.87 % interest. On XX/XX/XXXX, I went to direct loan site to pay off my second loan, but I saw a XXXX balance. When I called I found out that the consolidation did take place. I looked for any type of warning or notification and the only thing I have is an email on XX/XX/XXXX that states my application is being processed and I can call a number to cancel. There are no dates or further steps for me. I called that number to cancel the consolidation and they have been telling me that I passed the deadline of XX/XX/XXXX. Since then I have been calling Netnet and stating that I want to pay off my XXXX loan and as far as my original loan through Nelnet, I want my original rate back, the 3.88 % that I have had since XX/XX/XXXX. Everyone is giving me a single answer of " we sent you a letter with a deadline ''. I do n't have a letter, not sure why, but did n't receive it. All I have from Nelnet is an email from XX/XX/XXXX that states I can call a number to cancel consolidation, but has not deadlines or any further instructions. Everyone is stating that I 'm stuck with a loan that is 1.62 % higher than I originally had. Who in the right mind would accept that? I have been mistreated, received rude and disrespectful responses. I spent over an hours in the evening of XX/XX/XXXX and over an hour on XX/XX/XXXX and have been working through social media with Nelnet and no one is hearing my case or concern. All I want is for someone to take the ownership and hear out my concern and get in contact with the right people in the company to activate back my old account and give me my old rate back. The process is really confusing and misleading. When I first applied it clearly stated that this does not mean the consolidation is completed. I wish I had taken a screenshot of that. I need someone to help me solve this mess.
Company Response:
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2017-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-02
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Consumer Complaint: I have been paying my student loan and after few years dealing with Firstmark company I am not able to meet the payments amount anymore due to financial hardship. I have used all my forbearance and they have not been able to provide me with any flexible payment options. My credit score has already been damage and I received calls constantly from them warning abut sending my account to collection. Each single call I received I have tried to arrange manageable payments option but I have not obtained any positive outcomes. I am always dealing with very rude people always threating me
Company Response:
State: MN
Zip: 55337
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No