Date Received: 2016-09-26
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: My federal student loans were discharged due to XXXX. My application was submitted to department of education in XXXX of XXXX but not processed/approved until XXXX XXXX XXXX. I just became aware today XXXX XXXX XXXX that Nelnet said I did not respond to their request for information during the 3 year monitoring period so they reinstated my loans ( in XXXX ) and they are now in default. I have been continuously receiving XXXX benefits without interruption. I never recived the notifications from NELNET and I was understanding they had access to my XXXX benefit income. I never had income anywhere close to the federal poverty level. My health has declined more. They had my email but I have never received any notification of the loans being reinstated.I have been so ill I have not been doing anything and have help taking care of me. Nelnet are now saying I have to go the the whole process again? but they can verify through SSA records that I have continued to be XXXX without interruption. This period far exceeds the 5-7 years they are wanting to see a form XXXX? I absolutely was not notified of this action. Due to my long standing XXXX and my XXXX being in effect continuously for a period far exceeding 5 years I am requesting they reinstate my XXXX discharge effective as it was originally ( or effective XXXX XXXX when my Dr certified me. I wish for them to remove derogatory reporting of default loans. I was permanently XXXX be the SSA prior to that. The department of education/nelnet is now supposed to contact persons who are showing as TPD to notify them of their right for relief. Even though my loans have been reinstated and put in default I have not been contacted.I had no idea. Many other also have experienced a similar situation and not been notified. I never imagined there was a problem because I knew the dept of education was able to see my SSA information and my XXXX and I have continued in permanent disabilty prior to and since the XXXX application with no interruption and I have not exceeded the federal poverty level.
Company Response:
State: GA
Zip: 30577
Submitted Via: Web
Date Sent: 2016-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-24
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Consumer Complaint: On XXXX XXXX, 2016, my attorney-counsel representing me, wrote a letter to Firstmark Services in response to the debt collection letter I received. The letter was a cease and desist and debt verification notice. Firstmark responded to my attorney 's request as invalid because the request was not signed by me directly. Firstmark completely disregarded my cease and desist letter my attorney had written on my behalf. Firstmark continued to send collection notices for 2 months and called my husband 's cell number. They also made 2 derogatory marks on my XXXX credit report for the same account for being 60 days late ( according to XXXX by XXXX XXXX ) on XXXX XXXX, XXXX Under my rights as a consumer, I have a right for this debt to be verified by Firstmark. They completely made excuses stating that my attorney 's letter is invalid. They continued to pursue the debt and report this debt negatively on my account, despite not having verified the debt initially with me.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2016-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-25
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: My student loan account was recently changed from XXXX to a service provider names Nelnet. My repayment terms for XXXX was set up as a 10-year plan starting XX/XX/XXXX and ending in XX/XX/XXXX. Once transferred, I was told that payments and term loans were not changing, just the servicer. First payment was still the same, however, the second payment was for significantly less. I called Nelnet to see what the issue was and was told that the payment term was now for 25 years beginning XX/XX/XXXX making the term end XX/XX/XXXX. A DIFFERENCE OF 18 YEARS. I did not refinance the loan so I did not believe that they could do this without my approval. I thought they were suppose to continue the loan as is. Even with paying the difference to match what I was paying before, the new end date for my loan term is XX/XX/XXXX, so two extra payments and the representative said that she did not know why I would have to pay the two extra months even though my payments are still the same. She recommended that I pay extra XXXX dollars a month to get it back to ending in XX/XX/XXXX. So I still don ; t understand why I 'm paying extra.
Company Response:
State: GA
Zip: 30809
Submitted Via: Web
Date Sent: 2016-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-23
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: On XX/XX/XXXX, I consolidated my subsidized and nonsubsidized Stafford student loans through XXXX ( XXXX ). I signed a contract for consolidation because the fixed interest rate would reduce from 2.875 % to 1.875 % after 48 timely monthly payments, which it did during XX/XX/XXXX by Nelnet, who became the loan servicer XX/XX/XXXX. On XX/XX/XXXX, I received an email from Nelnet indicating that my interest rate was " adjusted. '' Upon an online review of my account, I noticed that the interest rate increased back to 2.875 %. I called the customer service number three times and was informed that effective XX/XX/XXXX my student loan rate was increased by 1 % to 2.87 %. The Nelnet representatives informed me that I was no longer eligible for the reduced rate because of an error. I requested specifics and was told that no further information was available. The representatives refused to allow me to speak with a supervisor. The attached documents clearly support my narrative. Should you require additional documentation, please let me know. Thank you for your assistance in this matter.
Company Response:
State: ME
Zip: 039XX
Submitted Via: Web
Date Sent: 2016-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-22
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: Loans opened on ( XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all show the same four late payments spanning XX/XX/XXXX and XX/XX/XXXX and I was a XXXX XXXX XXXX at the time and not in repayment. Please removed these from my credit scores.
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-22
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: I have a fixed principal student loan with a fixed interest rate and a fixed monthly due date. I have made every payment prior to the due date. I have never been late and never incurred any fees or penalties. Nelnet sent me a notice that my monthly payment is increasing because my loan has been " re-disclosed. '' They say I have not paid a sufficient amount toward the principal because of the way Nelnet has applied my payments. How can Nelnet short pay my principal due if I have been early with every single payment? If they are insufficiently applying my payments to principal as per the agreed upon loan schedule, that is their poor accounting. I have written to Nelnet via their website with no response. They say it takes 5 business days to respond. It has been over 10 days. I have written Nelnet again directly by e-mail and they have not responded. Customer service on the phone knows nothing other than my loan has been " re-disclosed. '' If they scam me for $ XXXX, $ XXXX, that is {>= $1,000,000} in annual fraud based upon only XXXX XXXX loans serviced. That does n't account for the XXXX of accounts they say they service and it does n't adjust for any future improper re-disclosures they may decide to invoke. Re-disclosure on a timely paid account is a scam and a fraud. Please help.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-21
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: I have been trying to get a copy of my pay history on my student loans. I would like to see a detailed record of any 30-60-90 day late periods. I also want to know where I can find or be provided with Policy on how and when information is reported to credit agencies
Company Response:
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2016-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-20
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Hello, my student loan processor is Nelnet. All of my student loans are Department of Education loans and remain so. Since my graduation from graduate school XX/XX/XXXX, I have maintained my loans under a regular income-based repayment plan. This required recertification in that plan on an annual basis with updated income amounts. I met this duty XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. As it relates to this year, I reenrolled for income-based repayment on the Department of Education web page. I completed this update online before the deadline listed on both the Department of Education website and Nelnets website. I even have a screenshot of the deadline listed on the Nelnet website - XX/XX/XXXX. I note that I took the opportunity to take a screenshot of the deadline as every year in providing my updated information, I have add " difficulties '' in communicating with Nelnet. I have now received correspondence from Nelnet advising me that all of my student loan interest has capitalized. No information was given as to why my interest had capitalized. Upon completing a telephone call with Nelnet this evening, I was advised that I apparently did not make the deadline for providing my updated income-based repayment amounts. As such, not only has my interest capitalized but I have lost my regular income-based repayment plan and have been placed on a standard repayment plan spanning the course of 10 years and costing more than {$1000.00} in loan payments per month. I requested that Nelnet provide me with a written confirmation/explanation on why my loan interest capitalized. I was initially given a PO Box in XXXX Nebraska that I would have to write to to obtain such a confirmation. However, after further complaint, I was advised that Nelnets " correspondence team '' would try to send me correspondence in about five business days regarding why the interest capitalized. Upon further cooperative complaint, at the capitalization as well as losing the income-based repayment plan, personnel at Nelnet tried to get me to sign up on the spot for different plans which I had only their preliminary information to go off. I write for your assistance and returning me to my regular income-based repayment plan that I have persisted on for the last four years and hopefully to un-capitalize the interest they accrued. Please help.
Company Response:
State: WI
Zip: 54313
Submitted Via: Web
Date Sent: 2016-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-19
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: My student loans were with Nelnet. I lost my job and requested a deferment. I got another job paying much less than what I was making, however, I know I still need to pay my responsibilities. I have been trying to get on the IBR income based consolidation repayment program. Nelnet just kept giving me the runaround. Then they made me think that I was speaking with them but was transferring me to a collection agency. I kept calling them. Now they tell me that they sold my loan to XXXX a collection agency. XXXX is not bonded to collect in my state. I have been a victim of identity theft in the past and it was hard overcoming that. Now my identity has been compromised and I am being denied my rights to be on the IBR PROGRAM due to their mishaps. Nelnet have a moral obligation to be honest and if they are selling my information, they need to know that it is with a legal entity. PLEASE HELP ME
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2016-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-19
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I requested a consolidation loan online from Nelnet. Nelnet sent a printed summary sheet to my home address, which included a proposed consolidation loan amount more than {$23000.00} in excess of my current loan balance.
Company Response:
State: TX
Zip: 75229
Submitted Via: Web
Date Sent: 2016-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No