Date Received: 2016-03-14
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: Back in XXXX I went into the student financial aid office at XXXX XXXX in XXXX Missouri. I was in the XXXX. College and handed over approximately {$3600.00} in cash to the receptionist and was issued a receipt. After several moves over a XXXX period I lost the receipt. As of XX/XX/XXXX I received a collection notice from be able to ask the U.S. Department of Education for student loan forgiveness. My doctor completed paperwork and I mailed it all in. See the attached forgiveness letter. My account number with Nelnet is XXXX and my SSN # is XXXX. I am XXXX years old now and just survived XXXX. I am living in XXXX housing and am on XXXX income. I fear that these folks from Nelnet will not stop in their efforts to collect on this spurious balance and if they succeed, will take away needed monies for me in paying for rent and food. It will place me into homelessness and sure death. I ask that your agency investigate and stop this action against me and issue me a written letter of the resolution for me of this personal crisis.
Company Response:
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-11
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: All of my student loans have been discharged so all " open '' or " closed '' balances should be XXXX
Company Response:
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2016-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-10
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: To whom it may concern : My name is XXXX XXXX and in XXXX XXXX I went to XXXX XXXX XXXX ( XXXX ) XXXX to inquire about information regarding financial aid. I was directed to fill out a FAFSA application, which I did. The office told me I was eligible for around XXXX in financial aid. I asked them if it has to be repaid because I told them if it was a loan I wanted no part of it and I was told " No '' At the end of the semester I had money left over and I went back to the office to tell them this and ask them what to do with this and I was told " It is yours to do with as you please '' I again asked them if this had to be repaid and I was told again " No '' I went back to XXXX the next semester and I was not eligible for anymore financial aid, so I paid for my classes out of pocket. On XXXX/XXXX/XXXX I received a call from Nelnet telling me I was 33 days past due on my student loan. I told them I did n't have a student loan it was financial aid and I was told this did n't have to be repaid. They informed me that it was a student loan and it had to be repaid. I asked them for information they had about this and I was told to go to XXXX and talk to them. On XXXX/XXXX/XXXX I went to XXXX with my father and spoke with XXXX XXXX a financial aid advisor and explained what had happened and she printed out these forms that said Direct Loans on them ... this was the first time I had seen these and told her I did not fill out or complete any loan application as I told them form the beginning I did not want a student loan. Now I 'm in a situation where I will not go back to XXXX due to their deceptive nature and I am being harassed by Nelnet demanding money I do n't have based on the misleading information I received from XXXX. I am asking for any help you can give me with this as they will not help me in any way at all. Please feel free to call me at XXXX or email me at XXXXXXXXXXXX with any questions Thank you XXXX XXXX
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2016-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-09
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: XX/XX/XXXX I attempted to payoff my student loan with Nelnet. I contacted them for a remittance address. I was given the wrong address and my remittance ended up with the Department of Education in XXXX. When this problem was discovered, I contacted Nelnet. I was told by the customer service people that my loan would be put in forbearance and not accrue interest as it would take some time for the refund from the Government. It was their mistake to give me the wrong address. The money was finally remitted and I again tried to payoff the loan in XX/XX/XXXX. Nelnet received the payoff on XXXX XXXX, XXXX. They are now claiming I owe more that {$1400.00} in interest, I do n't think I should have to pay interest because of their mistake. I did discuss this with several managers. The last one claimed I had been notified that the loan was still accruing interest. I have attached a listing of the correspondence from Nelnet. As you can see I was not notified of anything! I received my XXXX from the University XXXX XXXX.
Company Response:
State: CO
Zip: 80128
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-07
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: I was in forbearance and they are reporting 90 days delay in my credit report
Company Response:
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2016-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-07
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Consumer Complaint: I have been XXXX for the last three years therefore i have had multiple student loans my concern and confusion is as to why my loans each semester are separated into multiple accounts if i 'm withdrawing a balance from the federal government for education why is n't it reported as on account in the process of pursuing my degree i'e had to take time off to work to manage bills and debt due to that happening is caused my loans to report as not deferred for a 12 month period causing my credit score to drop at least XXXX points because the student loans report as multiple balances instead of just XXXX as well as multiple late payments now i 'm unable to be approved for an fha loan for at least a year while i wait for my score to go back up what can be done to bundle the balance for student government loans?
Company Response:
State: MN
Zip: 55430
Submitted Via: Web
Date Sent: 2016-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-06
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: I 've been paying a student loan since XX/XX/XXXX. The original total loan amount on XXXX/XXXX/XXXX was {$17000.00} ( {$5800.00} & {$11000.00} ). I was consisted through XXXX XXXX had some financial issues, my loan went into default, corrected that and by XX/XX/XXXX was paying my loan consistently. Throughout my loan repayment, more money has been going towards interest than the principal. Prior to default in XX/XX/XXXX, I paid a total of {$7500.00}. After default, my balance was {$14.00}, XXXX. Payments from XXXX through XXXX has been {$6000.00} and my outstanding balance on XXXX/XXXX/XXXX was {$14000.00} prior to a {$200.00} payment. After this payment my balance is now {$14000.00} more than it was after my default in XX/XX/XXXX. Only {$60.00} went towards my principal. Please help me get out of this situation. I 've paid a total of {$15000.00} towards my student loan already and getting nowhere. It 's been 10 years of XXXX, and despite unemployment, divorce, salary cuts, and now a child in college my loan is still not paid because Nelnet is not distributing most of the payments towards the prinicipal. If you look at the documents attached of screenshots, for some month nothing goes towards the principal or like last month only {$1.00}. Please help me, I work as a teacher, my salary has been slashed or frozen for the last 5 years, and currently XXXX and now have a son in college. I have XXXX a total of 3 years at a XXXX. I 'm also very worried about saving for my retirement. This has been never ending and worrisome. During my default, I filed a complaint to CFPB and received assistance and would like assistance for this issue which contributed to my default.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2016-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-03
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I XXXX with my XXXX XX/XX/2015 and am in the process of transitioning to repayment of my student loans. My student loans are being serviced by Nelnet. XX/XX/XXXX I submitted an application for a loan consolidation. At the same time I submitted the application for an income-driven repayment plan. The loan consolidation was recently completed but Nelnet did not process the IDR request. On XXXX XXXX I spoke with a representative from Nelnet about my request for an IBR plan. He advised me that the original request was not processed and they had no record for it. I looked back over application on the Direct Loans website ( XXXX ) and the IBR application was definitely submitted on XXXX XXXX, 2015. But I still have time to submit the request again so I discussed it with the representative. He wanted me to submit my current pay stubs and failed to advise me that they could use income reflected on my 2015 tax return to calculate my repayment. He also advised me that if I chose the REPAYE plan, for which I qualify, I would not qualify for the Public Service Loan Forgiveness ( PSLF ) program. ( I XXXX at a XXXX. ) I told him to start the application but that I wanted to do additional research. In the meantime he told me that he could do an administrative deferment while the application was in process but it had to be done within 30 days of my payment due date, which is XX/XX/XXXX. I had to tell him that we were within 30 days of the due date because XXXX has 29 days. He continued to argue but ultimately said that he was able to submit the request, but I doubt that he actually followed through for reasons discussed below. I did some online research and discovered that information was incorrect on both counts. I called Nelnet back and spoke with a different advisor who also advised me that the XXXX plan would not qualify for PSLF. I asked why I was receiving conflicting information and the advisor said he would ask a supervisor. When he returned he said that the information that he was working from was out of date and incorrect. He also advised me to submit my PSLF application to Nelnet. I submitted my application for IDR on the Direct Loans website because it links directly to the IRS for tax return information. The IDR application was received by by Nelnet on XXXX XXXX. I also completed the PSLF application and discovered that it should be submitted to XXXX servicing rather than Nelnet. I called Nelnet on XXXX and got a recorded message that my IDR application was received on XXXX XXXX and it was pending and could take " up to 3 business days '' to process. I called Nelnet again on XX/XX/XXXX, four business after the application was received, and got the same recorded message. I spoke to a representative and asked about the delay. I informed her that it had been more than 3 business days and asked how long it would take. She said it could take 3 to 4 weeks. I asked why the incorrect message and she eventually admitted that the message is a lie. I asked to speak to a supervisor and he also admitted that the message is misleading but said that he would submit my complaint. I then asked him about the request for the administrative deferment should have been submitted on XXXX XXXX and he said that he could see that the request was submitted properly but it was never processed and said that was " strange. '' At this point I am holding my application for PSLF but I 'm concerned that my IDR application will not be processed before my due date and that the administrative deferment will not be applied. At some point, I was also told that the previous year 's tax return could only be used until XX/XX/XXXX. I am very frustrated by the repeated and continuing failure to process properly submitted applications and I have no trust that I am receiving correct information from Nelnet.
Company Response:
State: NV
Zip: 89502
Submitted Via: Web
Date Sent: 2016-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-03
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Consumer Complaint: My doctor signed a form classifying me XXXX incapable of working around XX/XX/XXXX, this is why my job the Veterans Medical Center ( VA ) where I worked retired me and pays me annuity for XXXX incapable of working. Then the same XXXX form was given to the Social Security Administration and social security pays me for being XXXX. I mailed these forms to Department of education and they still took money out of my check 10 years ago. Department of education ask for another form from my doctor and I had my doctor sign the form stating I am permanently XXXX incapable of working and mailed it to them again. I have had XXXX different doctors sign forms for XXXX and I have mailed them in and the department of education still takes money out my check. I am trying to upload you papers. I mailed NELNET hardship forms also and I have emailed NELNET forms signed by my doctor permanently disable as recently signed XX/XX/XXXX. Yet they still take money out of my check. I want all my money back from the last 10 years, I have records of all of it. I mailed the Department of education and NELNET numerous signed doctors forms stating I XXXX, Social Security Administration pays me because I gave them a doctors form stating I am XXXX and the VA pays me a XXXX annuity ( my own job ) and they still take my money.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2016-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-03
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: On XXXX/XXXX/15 I issued a request through a Nelnet customer service representative to change my payment due date from XXXX/XXXX/15 to XXXX/XXXX/15 and explicitly confirmed that it would be in XXXX and not XXXX. Yet my next payment is due XXXX/XXXX/15. This is the second such occurrence where I issued explicit instructions, the student loan servicer representative confirmed the change, and a different change was made.
Company Response:
State: MA
Zip: 01810
Submitted Via: Web
Date Sent: 2016-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes