Date Received: 2017-02-10
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: My servicer, Nelnet, does not allow me to view communications without opting into electronic communication and also failed to send certain correspondence by mail. I just recently started a government job and qualified for PSLF. I filled out the form and my loans were to be transferred to XXXX from Nelnet. I got an email that there was a form to view about this from Nelnet, but when I logged in, there was no way to view it without signing up for EStatements, which I did not want to. I 've previously missed notification to renew my income-driven repayment as a result of unclear correspondence and I only wanted to correspond by mail. This would n't be an issue if I had received the notice of transfer by mail, but I have zero correspondence from them about this. The email that there was a document to view about the transfer was XX/XX/2017 and as of today ( XX/XX/2017 ), I still do n't have what I need.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-10
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I attended the University Of XXXX at the time of registration i advised the enrollment department that i did not have my XXXX or XXXX i was told that it would be fine, all to find out that none of the credits that i obtained are even valid because you can not get financial aid without being tested and or having a XXXX or XXXX once i found of about this i withdrew from the university of XXXX the school then sent the funds back to the government and placed my account in collections i have not been able to get this resolved and it has been almost XXXX years. The university of XXXX has a XXXX for not applying funds from the government to accounts instead sending students to collections. I would like to have my loan removed from my credit report
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: First off my credits are non transferable. Which they lied and told me the wer accredited and that my credits would transfer. The credits do n't transfer. Second they never told me how much my program was going to cost. I did n't find out how much it costed till the day I got the letter in the mail from the loan company after I graduated. Plus now the program in took is XXXX dollars cheaper than it was when I attended.
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: Account # XXXX and # XXXX for Department of Education/Nelnet were official discharged on XXXX/XXXX/XXXX but they continue to show on my XXXX and XXXX credit files as 120+ days late with comments of 180 days late. This status has been updated as of XXXX XXXX, XXXX. When I contacted Nelnet they indicated that they have not reported on that account since XXXX XXXX, so they did not indicate that to any credit bureaus. I have submitted supporting documents proving these accounts are showing 120+ days past due and have asked them to send me a letter indicating what the current status is to send to the credit bureaus for updating and they refuse and continue to not to offer any help in this matter. I have disputed this inaccurate information several times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit.
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2017-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Nelnet continue debiting my account after the loan was paid-off. They overcharged my account by {$400.00}. They claimed that it will take them 4-6 weeks to refund me.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: I have called Neltnet multiple times asking about the amount owed, when my due dates are and the information I received has never matched my statement. I have asked to speak with supervisor 's and they tell me different information that still does not match with what my statement is saying. This is completely unacceptable.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: After submitting documentation to change from XXXX to REPAYE XXXX to Nelnet, I was entered into a forbearance that I did n't want for XXXX months. I noticed that my application was not being processed ; when I called, I was told that I needed to enter into the forbearance and make a payment of only {$5.00} for that month. Weeks later, I still was n't entered into REPAYE ; when I called again, I was told that I had been entered into the " wrong kind '' of forbearance and needed to wait another month. No payment was charged at all for a third month.So, my overall repayment period has extended 3 months. Because of my payment plan, and the likelihood of claiming XXXX, I will end up making XXXX much larger payments years from now instead of XXXX smaller payments in XX/XX/XXXX-XX/XX/2016. I would much prefer to make retroactive payments and pay my loans off earlier. Unrelated to that issue, I submitted documentation of my public service for future PSLF. My Nelnet loans were paid off by XXXX on or about XXXX XX/XX/XXXX. But, Nelnet charged an auto-debit payment on XX/XX/XXXX, and does not appear to have credited my account with that payment.
Company Response:
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2017-02-10
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: Having problems with customer service
Consumer Complaint: In XX/XX/XXXX, I contacted my student loan servicer Nelnet regarding my late student loan payments. It was agreed upon that my loans would go into forbearance. I later received documents dated XX/XX/XXXX that my loans had been placed in retroactive forbearance, with start dates of XX/XX/XXXX and XX/XX/XXXX Despite this, my server continues to report my loans as late for the dates covered by my forbearance. On XX/XX/XXXX I contacted Nelnet regarding this and was informed that they would not update my account information and would continue to report multiple late payments despite the fact that my forbearance period covers the dates they are reporting as late. Nelnet is now reporting my loans as current.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2017-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-09
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I re-applied for my IBR plan on with Nelnet on XX/XX/XXXX. I contacted their customer support team on XX/XX/XXXX and spoke with XXXX. She confirmed that my application had been received but the processing was pending on it. She advised me that no further action was required, especially since my due date was not until XX/XX/XXXX. Now that it is XX/XX/XXXX, Nelnet confirms that the application was received, but they did not process it. As a result, they capitalized my accrued interest and told me to start a new IBR application. I believe they are at fault for not processing my application and that the interest should not have been capitalized.
Company Response:
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-09
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I am a XXXX person suffering from both XXXX. When I first became unable to work because of my XXXX I agreed XXXX applying for a economic deferment with my loan company Nelnet. I apologize but because of my XXXX status I am not sure whether or not this is a Perkins or a private loan company I believe that is possible that I had taken out both but my XXXX has deteriorated greatly since I was in school. I literally have XXXX + emails where I have been trying to resolve this matter I have submitted the forms that were requested of me over 50 times. I contacted my school rhode island college to try to get help but they refused saying it was all nelnet. I even have emails from Nelnet where they agree that they received the documentation and agreed to process it. They are playing games with me when I submit the economic deferment they write me back letter saying that they are denying me a XXXX forgiveness. There was one time at the very beginning of when I was pulling in these applications that I had applied for a XXXX forgiveness not realizing that I was not eligible by the guidelines. That was one time over two years ago since then I have only sent in the application for economic deferment but I still continue to get told that I am not eligible for the XXXX forgiveness. I tried to contact the Better Business Bureau to get this resolved about a year ago and now that refuse to answer any of their contact So eventually they told me there was nothing they could do because the company was not cooperating. A few months after that I contacted the Rhode Island XXXX office for help and was hooked up with a woman XXXX XXXX. Back in XXXX of 2016 XXXX was able to speak with somebody at Nelnet on my behalf they once again claimed that they had never gotten the application and I was told to resubmit it and everything would be resolved. I did just that sending in the economic deferment and supporting documentation for the 75th time but it did not make any difference. The few times I have been able to reach a associate by the phone I have been giving incorrect information at XXXX point I was told that my deferment had been granted about 3 weeks ago I was told that once again no one had to receive that documentation and that as long as I sent it in before XXXX there would be no issue with a bill. However only two days after speaking with this AssociateXXXX I got a letter in the mail saying that my account was 153 days past due and I was going to be reported to a credit agency. It has been commonplace for me to get XXXX response from a person on the phone and then a few days later get a bill or notice that totally contradicts what I was told. Most recently I was able to get ahold of XXXX XXXX again and she had called into Nelnet and was told that I had applied for a XXXX deferment and had neglected to send in the doctor paperwork which is not the case at all I even have emails where I write out an all-caps I applied for an economic deferment I am not applying for a XXXX forgiveness. I have at least XXXX emails that state this yet when she calls they give her a story to make it look like Im the one not doing what im suppose to. In my current state I can not make heads or tails over what is going on anymore and I am scared that my XXXX check will be attached to this student loan even though I have done everything that I am supposed to do in the amount of time that I was supposed to do it. I am not kidding when I tell you I have over XXXX emails going back and forth trying to resolve this matter. It doesnt seem like the senators office is really helping much at all in this matter and Im very much scared now for my credit any XXXX income i might get will be taken from me.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No