Date Received: 2016-11-14
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: I had spoken with a rep from the dept. of education in XXXX of 2013 about putting my student loan accounts in deferrment because my income was limited, and I was told I was eligible to place these loans into deferrment. On the phone, I asked them to place the loans in deferrment, and to my knowledge, they had been deferred. Only to find out a few months later, I found out that the loans actually did not get deferred per my conversation with the rep. Once I found this out, it was too late and the late payments had already greatly affected my credit rating. I immediately caught up on the loan payments and have been caught up ever since. I am in the process of buying a home, and this is plaguing score, and unjustly so. I would like it to be removed, and a letter sent stating that it will be which I can provide to my home loan officer.
Company Response:
State: CA
Zip: 94596
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-12
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Nelnet has combined my subsidized and unsubsidized student loans without permission. I used to have a Group A and Group B student loan that I paid to them. Now -- -I have only a Group A. I intend on going back to school next year -- -so, I intend on only paying the unsubsizided since the interest will still accrue. They have done so without my permission. I have tried to call multiple times -- -and have gotten no resolve. I am on time AND ahead -- -but I have every right to pay either loan in advance by law. How many times are they going to manipulate my loans?
Company Response:
State: CA
Zip: 93257
Submitted Via: Web
Date Sent: 2016-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-12
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: They reported me over 120 days late and that is inaccurate. I wrote them and asked them several times to remove the late marks, and still they remain, the fair credit report act states they have 30 days to either dispute or remove and the have chosen to do nothing.
Company Response:
State: IL
Zip: 60901
Submitted Via: Web
Date Sent: 2016-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-11
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Prior to XX/XX/2013, I was submitting student loan payments manually via NelNet.com to my loan servicer, NelNet. In XX/XX/2013 I set up auto-debit. Because the auto debit would take time to take effect, I was told to submit a final payment manually via nelnet.com, I did. My loan was never delinquent during this time, this has been confirmed by NelNet. However, NelNet put my loan into forbearance without my request, and despite my loan payments being up to date. They redisclosed my loan and my monthly payments rose by a small amount. I have been paying them since 2013. I noticed this recently, and called NelNet. After they assigned a specialist to look at my case, they agreed to retroactively to remove the forbearance that occurred back in 2013, acknowledging that this forbearance was unnecessary ( it was never requested, and never applicable, because my loan never went into delinquency - it as a technicality that occurred as a result of me setting up auto debit ) but they WILL NOT retroactively adjust for the redisclosure that was triggered by the forbearance. Therefore, I have had a higher principle balance that I have been paying diligently for 3 years. My loan servicer put my loan into forbearance despite my on-time payments, and redisclosed my loan without giving me an explanation as to why this was happening. My monthly payments rose due to a technicality from me setting up auto-debit, and they failed to notice this or resolve it. I had the best of intentions by setting up auto-debit, and was penalized by NelNet.
Company Response:
State: ME
Zip: 04106
Submitted Via: Web
Date Sent: 2016-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-11
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Consumer Complaint: HELLO. I WOULD SOME INFO.HOW I CAN GET SOME HELP WITH MY STUDENTLOAN IAM XXXX I CANT WORK & I HAVE MY MED.PAPERS TO PROVE IT IS THERE ANY SOLOUIONS PLEASE HELP ME?? MY EMAIL IS XXXXXXXXXXXX
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2016-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-11
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: I started going to XXXX college to take courses to qualify for XXXX in my state. Nelnet put me on automatic deferment. I have no major concerns with that, but what has really pissed me off is that I have called on multiple occasions to tell them to reinstate my automatic ACH payments. I have money to pay for my student loans and do not need nor do I want the deferment. It is now XXXX and I am seeing that my last payment was made on XXXX 2016. There is no way I can payback multiple months. But they need to reinstate my ACH payments! Why are they refusing to do this? I have a right to pay my debt!
Company Response:
State: TX
Zip: 78749
Submitted Via: Web
Date Sent: 2016-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-09
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: Account Number # XXXX. Dear Original Creditor : I know that you must receive an overwhelming amount of mail so I will try to keep this letter as brief as possible and to the point. During XX/XX/XXXX to XX/XX/2014, I possessed student loans with your company that right now is up to date and subsequently been refinanced through another loan servicer. Unfortunately, I do have late payments that are showing from over two ( 2 ) years ago and I am writing to request if there is a way to have this information revised. At the time of these late payments I was unemployed and struggling to find gainful employment to make ends meet for my family. Furthermore, the student loans with your company had been in unemployment deferment however due to my own negligence I did not management the process of keeping up with when the deferment ended XX/XX/2014. I take complete ownership for the 120 days that the loans were late and have worked hard not to allow any of my loans to be late again. While these past events of being unemployed does not constitute payments being made to the applicable NELNET loans, this event did result in me falling behind in my bills. I am currently working on rebuilding my credit and in doing so have learned just how essential organizational and financial management principles are. I am in a considerably better situation today and take full responsibility for my actions long ago. I am asking for a measure of goodwill to delete the negatives off my credit report with all XXXX bureaus. I understand that you are under no legal obligation to respond to my letter, but this act of goodwill would not only help my credit repair tremendously but also afford me great opportunities in the near hopeful future. With this gesture of goodwill NELNET will forever have my gratitude. I thank you for your consideration in reviewing this matter and taking the time to read this letter. Respectfully, XXXX XXXX
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2016-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-07
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: My student loans were transferred/sold through several different places and I could n't find the company that had bought them. My credit file shows missed payments from XX/XX/XXXX through XX/XX/XXXX ( 11 missed payments ). Nelnet had my student loans at this point but I did not know who had my student loans. I called multiple places to try to find where my student loans where, but know one could tell me anything. I also moved from my original residence after completing college. I make my student loan payments monthly since learning that Nelnet had them. The missed payments were not my fault because I did not know where the student loans where.
Company Response:
State: TN
Zip: 37917
Submitted Via: Web
Date Sent: 2016-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-07
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: Firstmark Services has incorrect information about my account on their website, including incorrect amount of accrued interest and incorrect monthly payment amount. The website says that I should be paying them $ 4000+ a month, when my monthly payment should actually be around {$500.00}. I contacted customer service to understand what is going on, and they were very unhelpful and just said that the website is n't working. This seems problematic because I assume the website would accurately display basic information like loan amounts. But it is n't. And this makes me think I need to go back and check every single number on there. Which is a hugely time-consuming prospect. Also, if my information is correct, that means may other customers ' information could be incorrect.
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2016-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-06
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I have a unsubsidized Stafford loan from college of {$7500.00} that I did not receive any communication about for nearly six years while I was in XXXX XXXX. Then I get a letter in the mail after six years of no communication stating that I owed Nelnet an extra {$3500.00} in loan interest. Had I been reminded of my loan status or amount of loan interest, I would have begun repayment earlier and not incurred as much interest.
Company Response:
State: GA
Zip: 30605
Submitted Via: Web
Date Sent: 2016-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No