Date Received: 2023-11-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made my first student loan payment after the pause days before the due date and was on the SAVE plan per their site. I was placed on administrative forbearance and saw my due date is now XX/XX/2024. Any payments I made continue to accrued interest which they should not per the SAVE plan. Also should not gain interest per their website description of administrative forbearance but Im still gaining it When I tried to pay down the interest - usually they apply the money to interest first and then principal but instead they applied it to principal first, again causing my interest to increase Their live chat is just a chat bot that links you to FAQarticles on their site- it is not a live agent and is misleading I have emailed them and made a complaint only to be told they are not responding to emails at this time. I have tried calling repeatedly during the week on my days off only to sit on hold for hours at a time and never reach anyone. They have turned off messages on XXXX as well. So right now, unless a miracle happens, - theres no way for me to actually talk to anyone about getting off forbearance, my interest forgiven because Im on the SAVE plan, and actually make my payments on the plan, instead of them racking up compounded interest. And there is no communication from nelnet as to why this is happening to not just me, but many loan holders ( just search nelnet on XXXX XXXX to get a good idea )
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Nelnet takes advantage of people by delaying SAVE Plan purposely to apply more interest. They caused me a lot of interest that could have been prevented. XXXX of their agents XXXX said over the phone that it was their mistake and they should have done the XXXX plan initially. Multiple of agents took verbal permission to do SAVE plan initially but it never went through and they never updated me in attempt to collect more interest. Also I asked them to follow up with XXXX University on a loan that does not belong to me as I never attended that university, Nelnet refuses to get involved. If they claim to be an honest servicer, they have to stand for whats right! They refuse any cooperation in XXXX matters I stated here which are using the time to ignore peoples XXXX XXXX request and postponing their request to collect more interest and not cooperating on the ongoing issue with XXXX University.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom it may concern, I have been made aware that a credit charge has been placed on my national credit report by XXXX XXXX University and it has been made fraudulently. I have had this discussion with their school officials and Ive told them numerous times I was never enrolled at their institution. It was an enrollment advisor who made this decision on her own fruition after she made notes on the account that she couldnt reach me or and still made a conscious effort to vindictively enroll me without my consent. They kept asking me to write a letter stating this and I told them no because its an admission of enrollment and it wouldve protected and absolved the employee from all responsibilities of what she took upon her to do with out my approval and with any consent, fraudulent on behalf from me. I never confirmed enrollment with any representative at XXXX XXXX University. I have spoken to numerous representatives, most of the encounters were unpleasant XXXX and XXXX, some were deceitful and only a few were understanding and kind .I told them I dont agree with what was done and I think it was a biased and prejudice move and that writing a letter would suggest that I did agree to enrollment, and not XXXX XXXX Representative that I spoke to tried to even correct the matter. This so-called enrollment XXXX, documented Im some note taking system that she never spoke with me after our initial conversation of me expressing intention and interests and according to her, as I was quoted by another representative it was like I, ( XXXX XXXX XXXX XXXX dropped of the face of the planet, because she never spoke to me or heard from me again. I am a XXXX individual and Im sure she didnt hear from me again is because Im XXXX XXXX XXXX XXXX XXXX XXXX. Knowing all of this brother this enrollment specialist or her colleagues could help me resolve this issue. All in all, she still thought it was a great idea and continued to go ahead with the fraudulent enrollment illegally and without my consent. Then, XXXX XXXX had the unmitigated gaul and audacity to turn this over to a collection agency, XXXX XXXX XXXX for {$13.00}, XXXX I have contacted Federal Student Aid, NELNET, XXXX Department of Education, XXXX XXXX XXXX XXXX and the local news outlets to help me get this resolved for good. I am extremely hurt and disappointed by what XXXX XXXX made a conscious decision to do and also in their lack of understanding in attempts towards resolving this as well. Filing these fraud charges against XXXX XXXX is the only way its going to get permanently resolved, removed and dismissed. I can be reached at XXXX to further discuss how this is going to be resolved and rectified by XXXX and its representatives. Respectfully submitted, XXXX XXXX
Company Response:
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received notice over the summer I was going to have to start repayment on my student loan. Borrower defense told me since my discharge is pending that I wouldn't be billed because I won't be responsible for payments until the discharge is complete. I haven't been able to get a straight answer from student aid of nelnet on any of this but put my account into forbearance on my own until nelnet got notice from student aid to put it into forbearance. Since then they did get notice and put the account into forbearance but are saying I have a past due balance and a payment coming up despite the fact that I shouldn't have been billed in the first place. This is going to cause problems for me financially if they keep billing and marking me delinquent.
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I kindly request your immediate attention to the following concerns : XXXX XXXX XXXX, 2023, I applied to be moved to the REPAYE Income-Driven Repayment plan, to then be eventually moved to the new SAVE plan where in both plans, my interest is not meant to accrue. I applied for this change on studentaid.gov. XXXX XX/XX/XXXX my application was processed, and I was told my service loan provider, Nelnet , would review my application. -At some point, I also followed up with Nelnet asking for a status quo on my application. I received a response on XX/XX/XXXX, where they stated they were experiencing unprecedented email volume. My question was not answered or acknowledged. XXXX XXXX, 2023, was the first time I heard from Nelnet where they stated that my application was in process and no action was needed. Since then every XXXX weeks I've been receiving an email that my application continues to be in process. XXXX XX/XX/2023 I followed up again asking for a status quo on my application given that the federal government stated that applications could take up to 30 days to process and my application is over that timeline. I noticed that interest charges continue to accrue on my account despite my efforts to seek clarification and resolve the issue. Regrettably, there has been no acknowledgment or response to my application, leaving me in a state of uncertainty and financial strain. The lack of communication and resolution on this matter is causing significant distress and inconvenience. In summary, I have been struggling with Nelnet on the following : 1-Unanswered Queries : I have submitted multiple queries regarding the interest charges on my account, and to date, I have not received any response or clarification. 2- Pending Application : My application to stop the accrual of interest on my account has not been acknowledged or processed, leaving me in the dark about the status of my request. 3-Financial Implications : The continued accrual of interest is placing an undue financial burden on me, and the lack of resolution is causing unnecessary stress and frustration. I understand that issues may arise, and I appreciate your prompt attention to have Nelnet rectify this situation. I kindly request that you investigate the matter urgently, provide a comprehensive response to my queries, and process my application for interest cessation at your earliest convenience. I believe in the importance of maintaining a positive and transparent relationship with a student loan service provider. Thank you for your immediate attention to this pressing issue. I look forward to your prompt response and resolution. Best, XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I set up autopay well in advance of repayment going into effect. From the beginning I could not tell what was actually my minimum payment since different amounts were listed on every communication I received. I saw an amount of {$300.00} something in some places but when setting up autopay it said amount due monthly {$16.00}. To try and cover my bases I set my payment up for {$400.00} and received confirmation. In XXXX they withdrew my {$400.00} and then several days later withdrew another {$370.00} inexplicably. I sat on hold for XXXX hours just to be told that they couldn't see why that would happen and that it must be a random error but that it would take too long for them to back out the extra charge so I should dispute it with my bank. This didn't make any sense to me but I did it any way which was a tedious claim process that I had to provide documentation for. A couple days later I got an email saying my auto debit was cancelled because my payment was returned for insufficient funds. I was so annoyed because they had told me to dispute the charge. I called and sat on hold again for over XXXX hours because I wanted to make sure when setting up autopay again that everything was correct and I wouldn't be double charged again the following month. The guy seemed very confused and kept telling me different amounts were due on different days. I said I understand that but it clearly says on your site to call to have the loan due dates and amounts aligned and that even if there were different amounts, the payment I scheduled for auto debit was slightly above all those amounts combined so it should logically be covering everything and that how can I possibly make payments on different amounts when when I log in it shows my total due as {$16.00}?? He told me that made sense and after " checking with a supervisor '' assured me I was setting it up correctly and that this was just a random error. Fast forward to XXXX and my {$400.00} autopay comes out and then the next day another {$370.00} comes out. I call and sit on hold for XXXX hours and then the line just randomly disconnects without me being able to speak to anyone. I give up hope of getting the extra payment refunded and I'm not going through the process of another bank dispute. I cancel my autopay because I do not trust this company. I emailed them a complaint yesterday and receive a notification this morning that I have a message in my account. I login and am positive there will be some resolution. Nope it's a notification that they received my request to setup autopay as of XXXX which makes no sense because I removed it on XXXX or XXXX when they double charged me. So now they are just authorizing things without permission. I am going to remove all payment methods from my account and will have to manually make payments every month but I don't even trust them to process those correctly. Now my amount due on my account again shows something completely different and I have no idea what my minimum monthly payment actually is. I have had to rearrange my other bills because I did not plan to pay nearly {$800.00} when I could barely afford to pay the amount I expected to be withdrawn.
Company Response:
State: CO
Zip: 80234
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: XXXX XXXX Closed doors while I was attending. They knew I was 100 % XXXX and promised me my diplomas, and credits. All they did was leave me with nothing, garnishment, bad credit, and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX says being 100 % XXXX that I qualified for loans to be forgiven, or canceled long ago. I turned in all paperwork 3 times to Dept of Education and original lenders. Now they are about to begin garnishing my XXXX check again. US Department of Education needs to help me, please. I lose everything, not just my income, but my home. President Biden sent confirmation email I was approved for forgiveness, and now threats again from collections about garnishing my wages. Please please help me. It's as if I never put one college hour in, I attended 4 years, I never got a diploma, credits transferred, or even proof I ever attended college. Due to XXXX XXXX XXXX XXXX XXXX, and going through XXXX XXXX this past 2 years, along with having XXXX 3 times, I can't remember one thing I even learned attending XXXX. I was on presidents and XXXX list with XXXX XXXX at XXXX XXXX XXXX. I need answers, I can not live or eat on my income as it is. My credits been ruined behind this. The school closed while attending up through XXXX beginning XXXX XXXX, I'm 100 % XXXX, and will be homeless if this happens. Please get me through to someone that can help me get the loans wiped out. XXXX XXXX XXXX XXXX XXXX to XXXX, owe nearly XXXX, XXXX in loans for a degree I never received, and school closed, not to mention they lied to me from start up till closed down, just trying to take advantage me, knowing XXXX. That's a crime in itself. I need a lawyer, I need pro Bono or class action. Please reach me at number on file here for me. Thank you!
Company Response:
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account Name : Dept of Ed / NELNET Account # : XXXX Account Name : Dept of Ed / NELNET Account # : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of th consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am a federal employee and qualified for student loan repayment ( SLRP ). Near the end of my aid payment my student loan servicer transferred from Great Lakes to Nelnet. After my last SLRP payment was processed, my account balance was approximately XXXX dollars between XXXX loans. So I made a payment of XXXX dollars on the account. This payment is reflected in my payment history in my account on their website as well as my bank records. However, next time I looked my balance did not reflect being half paid, it actually went up XXXX dollars. I figured it would adjust when it was fully processed and gave it some time and emailed them about it. XXXX I made a payment of approximately XXXX dollars, the balance reflected on their site that I owed. Where the extra XXXX dollars came from wasn't clear as it didn't make sense as interest, but I didn't really care, I was paying my loan off. That payment was applied to XXXX loan and it was reported closed in XXXX to the credit bureaus. However the other loan still is reported as outstanding at a balance of XXXX dollars now. I recently filed a dispute with the bureaus to get the correct information as Nelnet 's site doesn't reflect my account paid off, nor accurately provide details as to what is going on and didn't even match their provided statements, and they're entirely uncontactable. The dispute was looked into and they reported back XXXX loan closed in XXXX, and no data for XXXX, conveniently when my XXXX dollar payment was taken but apparently not applied. I have screen shots of the account balances, the payment history, and bank records. I have tried contacting Nelnet which has proven to not be possible any other way than by email to which they do not respond. I disputed the balance with the credit bureau to get accurate information and they report they have no data for the month. Yet here I sit still getting charged interest on a loan I paid off XXXX months ago.
Company Response:
State: OK
Zip: 73072
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My first contact to Nelnet to request my full payment history was back around XX/XX/XXXX. They did send an encrypted message that did not even show the full payment history and i couldnt view the file. I called Nelnet customer service and requested that the history be mailed to my address. This has not been completed. I have since emailed the request for the payment history multiple times and each time I get the run around. This last time on XX/XX/XXXX has not even been responded to.
Company Response:
State: WA
Zip: 98272
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A