Date Received: 2017-02-17
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I have filed for an income based payment program for my student loans through Nelnet every year since graduating in 2010. I have had issues with the associates giving incorrect information or offering no information or assistance. I 've had to file a deferment for 30 days every year because they claim my paperwork was n't sent in time forcing me to accrue interest on a loan I now will never be able to pay back. I have been unemployed for almost 2 years and can never get factual information or help for these loans. Im on the verge of defaulting because I do n't trust Nelnet or it 's associates. Even after filing a report with the Better Business Bureau, they have failed to reach out and assist me in answering questions I have about this loan I do n't understand.
Company Response:
State: NY
Zip: 14217
Submitted Via: Web
Date Sent: 2017-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-17
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: As of this date I have not received my XXXX from Nelnet, a student loan servicing company. My loans were discharged by Nelnet in XXXX XXXX. I have reached out twice by phone to Nelnet 's XXXX section on Monday the XXXX of XXXX XXXX and was told that " Upper level management was researching if I would get a XXXX for discharge of federal loans. I asked when a decision would be made and was told it would take some time. I asked for a return call to keep me informed and was told not to expect one. On the second time I reached out to Nelnet 's XXXX section I was also told that " Upper level management was researching if I would get a XXXX for discharge of loans and that Nelnet would access my credit from XXXX credit reporting agencies before any decision would be made. In light of the fact that Nelnet intends to " hit '' my credit again, I have not attached the credit reports as they will be outdated by the time Nelnet has accessed them again. Nelnet has continuously reported inaccurate information to these agencies and there is no reason, other than retaliation for my initial CFPB complaint for the mismanagement in servicing of my federal student loans and mismanagement of the XXXX discharge process and for reporting their inaccurate information targeting my credit in a most detrimental manner to credit reporting agencies. ( Seee CFPB complaint # XXXX ). I have alerted XXXX today to place a freeze on my account to prevent further damage from Nelnet. I will contact XXXX and XXXX as well. My questions for Nelnet are : Why is Nelnet tampering with my credit ( pulling credit reports during the ongoing initial complaint which will be formally addressed ) and what legal and legitimate purposes was it initially used for and for what future purposes would another " pull '' be deemed appropriate and necessary? What is Nelnet going to do to demonstrate in writng to all credit reporting agencies, to me and the CFPB that Nelnet has corrected all erroneous information from any credit reporting agency they have reported to? Secondly, Nelnet, is there a XXXX for the discharge of these loans? If there is, where is it and why must my credit be subjected to another around of " pulls '' before a decision can be made about the in question XXXX and when can I expect to receive it in the mail?
Company Response:
State: NC
Zip: 28144
Submitted Via: Web
Date Sent: 2017-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-16
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I received a letter from XXXX the holder of my student loan, that they transferred my loan to a company called Firstmark Services. I was given contact information and a address for where to send my payments. I registered on their online student loan account, but saw no activity or an account set up for my XXXX student loan. I called Firstmark Services to inquire about my student loan account after I sent a payment to them on XX/XX/XXXX and saw no activity on line. I was told by a loan specialist, XXXX that XXXX never transferred my loan to Firstmark Services. I told XXXX that Firstmark Services cashed my check on XX/XX/XXXX. I asked him if the money was never applied to my loan account then where was it applied, he said he did n't know. During the conversation he agreed that I needed a refund for the payment, because it was never applied to my student loan account, because I did n't have one at Firstmark Services. Since XX/XX/XXXX I have tried to work with XXXX to obtain a refund for the payment that was never applied to my account, because I do n't have an account with Firstmark Services. XXXX does n't return my calls. He claimed that he put in a requests for a refund on XX/XX/XXXX, but as of today I have received no check from Firstmark Services. I tried to call XXXX but was unable to get pass the automated system to speak to a live person. I have been making the payments to my loan with the previous company, XXXX who XXXX transferred the loan to first before tranfering it again to Firstmark Services. i need to get a refund from Firstmark Services for the money I sent to them that is not being applied to my student loan account.
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2017-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: The servicer is Nelnet for the student loans by me XXXX XXXX loan number XXXX and my daughter XXXX XXXX account number XXXX. They are ruining both of our credit scores by not allowing us to make payment in full. I have power of attorney from my daughter to handle the student loan debt and have communicated with Nelnet on behalf of both us via certified mail that we wished to make payment in full under the following conditions : 1- That we receive a certified and true itemized bill showing the original amount loaned and by who? 2- Confirmation if the loan has been sold or converted to a Student Loan Asset Backed Security ( SLABS ) and who the true current creditor and owner of this debt is. 3- That once we make payment in full to the verified true creditor, that we will receive our original promissory note with original signature, so we cam destroy it and prevent anyone else from making the same claim in the future. All of my certified mail to the CFO of Nelnet repeatedly requesting that he provide me this info so I can make payment in full, have not been answered. I also explained that under Florida law and UCC commercial law, when a person makes a certified statement to make tender payment in full, and such payment in full is rejected by non-response or acquiescence, such debt is considered non verifiable and discharged. Regardless of my several written certified mail attempts to make payment in full, this collection agency and its CFO, have purposely denied me the right to pay the true creditor and continue to harass and financially harm me by destroying my credit score.
Company Response:
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2017-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-15
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: My student loan " service '' provider is Nelnet. Due to financial difficulties I requested a lower rate for my student loan payments. I was told I was eligible but had to fill out a series of forms. I requested these forms be mailed to me, but they never came. I requested them again, but they still did not arrive. I called a third time and was told they could be e-mailed to me, so I requested that an emailed copy be sent. It arrived and filled it out as requested. After hearing nothing back, I called and was told that they never received it. I do not believe this is an accident. I believe they are deliberately having these issues for the sake of continuing to charge me the exorbitant rate they are charging.
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2017-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I returned all the equipment and they were supposed to credit my account and take off the purchases and I 'm not sure if they did but when my XXXX it shows that it 's closed but on my XXXX XXXX it still shows
Company Response:
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-14
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I pay my loans through a service called Nelnet. I changed my repayment plan and it was initially processed in XXXX 2016. Since XXXX, Nelnet has made mistakes with how my repayment plan was processed on each group of my loans. Due to this issue, my payments have been incorrect every single month. I received no notice from Nelnet in the changes to my repayment plan processing, only the monthly statement notices. Each time I speak to a customer service representative ( at least once a month ) to ask why my statement has changed, the story changes as to why my monthly payment has changed. Additionally, each month I am assured that the problem is rectified and that my repayment plan has been correctly processed only to find out that the information about my payment they give me is incorrect. This has negatively affected how I manage my bills every month and has made me feel that I am being taken advantage of by these loan collectors. I have had to ask for an apology from several employees and was never offered any consolation for how my loan repayment plan process was mishandled.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-14
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I have a Federal subsidized loan that I wanted to pay off within the grace period so I would not receive any interest on it. Nelnet, my loan servicer, had sent me a few emails leading up to my payment due date all with the scheduled start of repayment being XXXX/XXXX/XXXX. I made the payment by the due date but was confused to see interest added on. I contacted them and asked why and they said it was because my grace period ended on XXXX/XXXX/XXXX. I asked them why they had told me that my repayment date was different from the day that my grace period ended and they said they do it as a favor to me. I said I felt like it was misleading to give me a different date. They said that they had told me that my grace period ended on XXXX/XXXX/XXXX through an email. I looked through every email and piece of mail that they had sent me and it never once was stated that my grace period ended on XXXX/XXXX/XXXX. The only dates listed anywhere were XXXX/XXXX/XXXX. I called them back to let them know and they said there was nothing they could do and that it was my fault. I spoke with an adviser at the university I attended and they told me to go onto XXXX to file a complaint. I did not know that this website existed until this point. After logging into this account I saw that the date they had listed for the scheduled start of repayment was XXXX/XXXX/XXXX. Why would Nelnet have a scheduled start of repayment date that would be different? I understand that there is a 6 month grace period but I trusted the date that Nelnet gave me and assumed that was when the school considered me no longer a student.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-11
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: You go to this " school '' in hopes to get an education and to better yourself to end up not being able to. They were localized to XXXX but had a branch in XXXX Out of nowhere the XXXX branch was told to pack up and get rid of everything. Papers, supplies, funiture ... you name it. Those that graduated have been told we cant go to state board due to the schools money fraud. We were lied to and allowed to be robbed educationally and financially. XXXX is a joke. More like XXXX.
Company Response:
State: GA
Zip: 309XX
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-11
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Consumer Complaint: My loans was increase without me knowing and i was n't aware of it. I was also given a low payment plan being income based.
Company Response:
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No