Date Received: 2017-01-19
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: I am requesting { again } all activity regarding my loan from its inception in XXXX through today. I have received some information from this company, but not everything I requested. Also, the dates on the spreadsheet are completely out of sequence ie XXXX, XXXX, XXXX all mixed together. Please send everything IN CHRONOLOGICAL ORDER so I can unravel it. Thank you.
Company Response:
State: FL
Zip: 32128
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-19
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I recently pulled my credit report and my loans were current paying as agreed with no notification that I had come out of in-school deferment. I was contacted in XXXX of XXXX stating that I was in fact 120 days past due. I explained to the rep that I in fact was not 120 days past due. I immediately started to calculate from the ending semester of XXXX XXXX and I would have been reaching to my 30 day mark. I was told that until I can obtain a letter from the second school I was attending with verification of attendance I could apply for their indigency program ( unemployment deferment ) as long as I met the criteria, which I did and they would backdate and remove any missed payments and bring my account current. She also stated when I started school I can then have the school to request an inschool deferment. Well I have spoken with 5 reps since then. I was originally told I was 120 days past due and have been told 5 different things as to the time frame I am past due, I did not submit the correct documentation and was told 5 different things. Each time being patient to fix whats now effecting me in a horrible way. After submitting the documents they did push my due date out but did not correct the past due amount on my credit and to me that 's an issue. After submitting filling out what 's required that misinformation has been given is n't my faulat and in no way should be reflected on me, yet it is. I 'm still being told that the information I submitted was n't good enough and to resend information. After speaking to the manager who then tried to use my statement as if I stated that I did n't want to go to school and probably because the school was right. My reasoning was because I no longer had transportation and had to pay someone that I could n't afford to do to take me to the school who would have to drive XXXX hours to pick me up and an additional XXXX minutes to take me to the school, pay parking, etc. Even after explaining my situation and although I was given several stories including submitting the indigency application and they will backdate it to correct the issue. I explained that I only called back because I now have received 5 now 6 stories and was being told that a rep put in notes that I stated something that was in fact false. The manager asked me if I was done. I have never had to ask for the program before and I have never requested anything from them. The one time that I submit what was told I needed to submit to rectify the situation I am being told by the manager I do this often. When in fact I have never had to deal with them personally but once 5 years ago and it still shows on my credit as past due after being told then they would fix the issue other wise the school I have attended has always notified them I was in school. They were rude, liars, and falsifying information without 1 notice from them.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2017-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-18
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: Back in XX/XX/XXXX I consolidated my student loans ( Stafford ) with Nelnet so that I could begin payments towards the 10 year/120 payment loan forgiveness option that exists for public servants. When consolidating, I asked Nelnet if these loans were in the correct category for the 10 year loan forgiveness and was informed that they are/were. I have made regular payments since this time based on this. When I returned from service with the military in XX/XX/XXXX I contacted Nelnet to inquire into how many more payments would be needed. I was informed that around {$100000.00} were not in the correct type of repayment method. I would like for the CFPB to look into these practices to determine if either it was a mistake by Nelnet or if it is a fraudulent practice. If it is a mistake, I would like to get my loan payments back on track so that the loan forgiveness can take place in 2-3 years.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-19
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Consumer Complaint: I am currently going through hardship and can not pay this loan.
Company Response:
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2017-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-19
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Hello, I saw a news article XXXX I never knew about your agency for filing complaints. I got the runaround dealing with my student loans and thought you should know how extensive the practice of cheating borrowers is/was. XXXX Sent : Friday, XX/XX/2013 XXXX Subject : NelNet email sent via NelNet web site My loan was paid off in full. In fact, NelNet owes me a refund of MORE THAN {$750.00} dollars which was sent to NelNet by the prior loan servicer, after the loan was transferred because the prior loan servicer did not apply my payment to the correct loan. I just found out today that although my loan is fully paid off, that NelNet took $ $ from my checking account on XX/XX/2013 in the amount ot {$86.00} causing me to have returned check fees and unpaid checks that I had proper funds to pay before NelNet took money they were not authorized to take. What is going on??? I want my refund, and I want a letter to explain to my bank so my return check fees can be adjusted accordingly. XXXX Complaint lodged with Ombudsman for Federal Student Aid XX/XX/2013 My loan servicer used to be XXXX. I sent {$2000.00} to pay off loan XXXX and instead they paid off loan XXXX and wrote REFUND DUE since the {$2000.00} way exceeded the amount left on that loan. Then, I called them to request they apply it to the correct loan. They said that they would, and instead TRANSFERRED the loan to Nelnet. After they transferred the loan, at the WRONG interest rate, they verbally informed me that they sent the REFUND DUE amount of {$750.00} to Nelnet. Nelnet claims they have not received it. I paid off the complete balance that Nelnet claimed in full and total. So, although they still owe me money back, Nelnet took an automated payment out of my personal checking account in the amount of {$86.00} on XX/XX/2013 causing bounced checks and return check fees. ( ACH Transaction - DEPT EDUCATION STUDENT LN {$86.00} ) My account is way overpaid and they 're still taking funds? I have contacted Nelnet on more than one occasion to no avail. Please assist me in clearing up this matter. Thank you. Your request has been received by the Ombudsman officeXXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-18
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: Nelnet is my federal student loan servicer. When I learned about the Public Service Loan Forgiveness ( PSLF ) program, I called my loan servicer to find out how to become qualified. At that time I was told there was no paper work to fill out until I had already worked ten years in a qualifying position. I asked if my position ( state government ) would qualify- they said yes. I called 2-3 times over the next six years to ask if there was paperwork or any other action I needed to take in order to have my loans forgiven under that plan. Each time I was ensured by a customer service representative that there was no action I needed to take. My most recent call to Nelnet was XXXX/XXXX/17 to re-certify my income-based payment, and during that call I made my regular inquiry about the PSLF program and my qualifications. I was told at that time that my loans should have been consolidated under the XXXX XXXX XXXX loan consolidation program before I began making those qualifying 120 consecutive payments. I spoke to a supervisor who gave me the same information. When I asked why I was given false information for the six previous years the supervisor said, " I do n't know why someone would tell you that. '' When I asked to make a complaint she told me that the complaint would only be good for employee training purposes- not to resolve my issue. I did not accept job offers from private companies because I wanted to remain in a qualifying position for the PSLF program. This Nelnet " blunder '' has caused me to make approximately {$14000.00} in payments that could have been used for PSLF ; and narrow my career path by choosing to remain in state government service.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-19
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I began taking out my loans through XXXX XXXX years ago. However, I have noticed that with the transfer to Nelnet that my loans sky rocketed. in addition my information was turned over and I was not even aware. In addition I now have multiple loans on my credit report and it is causing issues with me even getting approved for anything.
Company Response:
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2017-01-20
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-17
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: On XX/XX/2017 I contacted NelNet via their website chat feature to ask what would happen if I made my monthly student loan payment early ; specifically, would the auto-debit still be deducted. I was informed that because it was an income-driven repayment plan, the auto-debit would not be deducted. I have a copy of this chat transcript. The amount in question is {$720.00}. Based on this advice, I went ahead and made my payment early. On XX/XX/2017 - I received an e-mail informing me that an auto-debit in the amount {$1200.00} would be coming out of my account on XX/XX/2017. This alarmed me, because I am used to payments in the {$720.00} range. I have a copy of this e-mail. On XX/XX/2017 I contacted NelNet via their chat feature. When I asked about the amount mentioned in the e-mail I was told it was an error and that I can could disregard it. I asked about the auto-debit being active. I was informed that an auto-debit will always be active, regardless of manual payments made previously in the month. This information is in direct contrast to the information received on XX/XX/2017. Based on this information, I went ahead and deactivated my auto-debit - as I do not want to make an additional payment - whether it be for {$720.00} or {$1200.00}. I am concerned about the accuracy of information I am receiving from NelNet - I do not believe I am being serviced with care - which of these " stories '' is accurate?
Company Response:
State: CA
Zip: 92251
Submitted Via: Web
Date Sent: 2017-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-18
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: My wages are being garnished, I had no idea this was going to happen till I got the letter from my work stating it was, and saw on my first paycheck. I would like to have the garnishment stopped and start a payment plan, the garnishment is to high and is cause major finical hardship. I cant seem to find anyone who can help me with this. My old loan provider ( Nelnet ) has no information for me and I cant seem to get ahold of anyone with the department of education collections. Please help.
Company Response:
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-16
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: I am XXXX years old with no money for retirement and my student loan of XXXX is causing me undue financial hardship. My health conditions are making so that I can not longer work extra hours ( XXXX ) to pay for these loans. I have a XXXX in Information and an XXXX that has not paid off and I am in the same job that I was doing prior to taking out this loans so this education has not paid off for me. I also am a single parent supporting a XXXX student that can not match for a XXXX due to the limited XXXX in this country ( XXXX applications for XXXX positions ). I need a lawyer that will discharge this burden so that I can save some money for retirement or I will be living in the streets for sure. I need some help please. I 'm so depressed.I have gone to several attorneys and financial advisers and they can not help me.I need a lawyer that can help me please. Please email me at XXXXXXXXXXXX or call XXXX.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2017-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No