Date Received: 2016-05-24
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: My loans were DISCHARGED in XX/XX/XXXX. I have the IRS FORM XXXX that shows " Cancellation of Debt '' in full ... Nelnet has now, in XX/XX/XXXX, been harassing me over 20 times now ( phone harassment, email and mail ) wanting payment on a debt that was DISCHARGED.
Company Response:
State: WI
Zip: 986XX
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-20
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: In XXXX 2015, the student loan servicer lost my documentation to support a new payment plan. I have an email that was sent to them with the documentation, my social security number, and name which was what the associate said was needed to submit the documentation. In XXXX 2015, after 2 months, I was notified of the missing documention in XXXX 2015 the agent told me if I made a payment my loans would be current and my credit would n't be affected, so I made a payment. Now knowing better I checked five weeks later, my repayment plan had still not been processed, so I had to make another payment to keep my loans ( what I thought was ) current. The following month I checked again and my payment plan was in place, I set up auto pay and did n't think of it again until I applied for a mortgage and was surprised to find that in XXXX 2015 I was reported 120 days late on XXXX separate accounts seriously affecting my ability to secure a mortgage. I called the servicer to file a credit complaint and was told that it appeared a payment was processed incorrectly and that the department is not reachable by phone and this matter would take 7 to 10 days. When I called 7 days later I was told this was still in process and they would contact me for a resolution. When I called to check on the progress at 10 days I was told that I was misinformed and that these claims take a full 30 days. I was also told that there was nothing I could do to dispute the misinformation I was given. I asked to speak to a supervisor, who advised me that I could not contact the resolution department, that I could not move my loans to another servicer and that I would be forced to wait as this situation appeared to be due to my fault for not paying from XX/XX/XXXX to XX/XX/XXXX ( still not 120 days past due ). I asked to speak to a supervisor again and was told that I could not speak with anyone else and that he would submit my case as a teaching tool for other associates to assure the misinformation was corrected. I received an email that a complaint was submitted.
Company Response:
State: NY
Zip: 14618
Submitted Via: Web
Date Sent: 2016-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-19
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: XXXX XXXX of XXXX, Nelnet would n't let me reduce my payments until I received help from XXXX, despite showing them my monthly income and showing them how much my rent and utilities cost. I was making about $ XXXX/month, living in subsidized housing, and Nelnet wanted me to pay roughly {$800.00} a month and their representative failed to see why I could n't afford the payments. A few months later I received an inheritance from an aunt who stipulated that the money be used solely for education expenses, so I started paying off the loan with that. On XXXX XXXX, I made what I thought would be the final payment on my loan, a payment of {$2400.00}, when the total balnce that was listed as due was {$2300.00}. The next day I received an email saying I still owed {$320.00} from the previous balance. This morning, XXXX XXXX, I received an email saying I still owed from the previous month and {$410.00} for the current monthly billing cycle, totaling {$730.00}. Upon logging into my account on the Nelnet website, I found out Nelnet claimed I still owed {$0.00}, which I have once again, scheduled to have paid in full by the end of the week, even though I paid an excess of what they said was the full balance as of XXXX XXXX, XXXX. I am getting tired of their harassing emails.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2016-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-18
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: Nelnet is servicing my loan. The loan was guaranteed by a private bank but now Nelnet owns is. Total loan was {$8000.00} at 6.8 percent interest. I am now looking at {$15000.00} owed after paying them {$130.00} a month and without any statements or fee explanations. Because they are regulated by the Dept of Education they are not allowed to refund XXXX of the interest or fees. I spoke to the guarantor and they said they would be able to refund interest and fees if the loan was still in their name. Nelnet is corrupt. There should be some consumer law that if they threaten to garnish my wages they should be showing me what they are garnishing my wages for.
Company Response:
State: NY
Zip: 14424
Submitted Via: Web
Date Sent: 2016-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-18
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: I use Nelnet as my provider i switched to the repaye in XXXX XXXX ofcourse at that time the online application requested that I have called and spoken to them multiple times. First off they always tell you no matter what the call is the need 2-5 days to process. second of all they never reach back out to you when they say they will. I called maybe 50 times regarding my application. to confirm everything was correct and was always told everything was correct. I was also told what my payment would be. my husband and I sent in applications at exact same time his was processed. where mine due to many many errors on their end including putting my husband application instead of my own into my account told me they could not process my account so i had to send in paychecks. to make a very long story short they refuse now to calculate my payments based on my agi bc they have my paychecks per their request and demanding I had to submit them and also telling me multiple times not to send in my most update my most updated taxes. In the end they tried to blame me for the fact that they put my husband application into my account. which for one, even if my husband faxed in his application XXXX times why would they put it into my account. secondly, as if i could be on their end and scan it into my account. this complaint is based on the principal that i tried to avoid mistakes and have my application processed in the the fastest matter i could, and called and tried to be patient and most effective clearly their staff is not trained to know how to handle any situation or even give out the correct advice. even the solutions center was rude to me when speaking to him and kept telling me i put my husband application into my own account, the after researching more " suddenly '' found something he missed before that was their fault. make a long story short after prob 10 hours total phone with them and XXXX calls later they still messed up, do n't offer any solution, and now can not calculate my payment based on my AGI until i do my XXXX taxes next year!!!!
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2016-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-17
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: I was contacted by a third party trying to obtain a payment for late student loan payments, they offered me a deal if i made XXXX payments of {$400.00} totaling XXXX My balance would go down to {$0.00}. I was under the impression that i owed nothing and that i paid everything off I even receive mail monthly stating i do n't have a balance, but when i go online to look at my credit report i see XXXX loans with a balance of zero that were closed on XXXX/XXXX/XXXX then XXXX loans of the same amount were reopened on XXXX/XXXX/XXXX i 'm confused as to what i actually paid for, i dont have money to just be paying please help.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2016-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-12
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: Charged by XXXX for XXXX semester ( XXXX 2004 ). I was n't allowed to attend that semester by the XXXX at the time due to lack of finances on their record. Or at least, that what I was informed. I did not attend classes because teachers also did not have me n their rosters. When I attempted to attend classes when the semester began, I was directed to financial aid where I was then told I did not have the finances. Only to be charged in later years for the loan for that semester when I was no longer attending school. I have accumulated delinquencies & am now paying debt on a loan I never received.
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2016-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-10
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: My Complaint is not about the XXXX. My compliant is about NelNet and what happened before the default. As I review my statement on NelNet 's website, dated XXXX/XXXX/XXXX, it was showing my correct address. I know for a fact Nelnet had my phone number and email correct, as I have received both phone calls and emails from them. When I logged into NelNet today ( XXXX/XXXX/XXXX ) I found out that my loan was a {$0.00} balance. I then called the XXXX, who informed me that they had the following address and phone number, XXXX XXXX XXXX, XXXX, OH and phone number of XXXX. My loans were sent to the XXXX in default status. The woman at XXXX XXXX XXXX told me that I have XXXX to 90 days before I am assessed a penalty fee. I called on day XXXX. Had I not called today, l would have been charged a 25 % penalty fee for default, all because I could n't afford my payments. NelNet REFUSED to work with me, and they changed my contact information so that XXXX could not send me letters. NelNet updated my account with false information in regards to my address and phone number, with malicious intent. This caused the XXXX to not be able to contact me and work with me. I feel that NelNet needs to pay my entire student loan balance as I would have been charged over {$13000.00} in penalty fee for defaulting on this loan.
Company Response:
State: OH
Zip: 43221
Submitted Via: Web
Date Sent: 2016-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-10
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: My loans are in the process of being transferred from Nelnet to XXXX XXXX. I have automatic payment setup for my account. My XX/XX/XXXX payment of {$610.00} had been scheduled to be deducted on XXXX/XXXX/16. On XXXX/XXXX/16, my Nelnet account showed that my account marked as late. I called Nelnet to clarify why my automatic payment had not been processed. The rep stated to wait a day or two because of the weekend. On XXXX/XXXX/16 the payment has been deducted from my bank account, but it is unclear who has received it. My Nelnet account does not show the XX/XX/XXXX payment posted, which should have been applied on XXXX/XXXX/16. Nelnet shows on XXXX/XXXX/16 my account transferred. I have yet to receive my welcome letter with account number from XXXX XXXX. I called them on XXXX/XXXX/2016 and they state they have not received my loan yet. The rep stated it may take 30 days or more for my payment to be processed if it is not included in the transfer. I explained the amount has been deducted from my account so it is not of question of it being made but a question of who collected it. I have yet to receive an answer from Nelnet or XXXX regarding that.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2016-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-10
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: My student loan had been discharged XXXX/XXXX/2010. Nelnet claims I did not contact that last year and so without warning since XX/XX/XXXX they have been taking {$150.00} from my XXXX check which I am barely living on. Said I have to re-apply. I did and have also shown proof of emails where I have tried to contact them in past XXXX yrs. I sent everything they needed in the packet. I have called several times each time they have my wrong address. Each time I give them the correct one, although the mail gets to the right address. I have XXXX of which I have been working very had to stay off XXXX medications but these people keep sending letters saying I forgot this and that when I have copies of everything I sent them. I volunteer at XXXX XXXX XXXX and they helping me but I just got another letter from them saying they ca n't process till they have section XXXX from the Doctor which was sent in the packet. I called and it is because the doctor did not write XXXX , he wrote XXXX . This is ridiculous.
Company Response:
State: ME
Zip: 04240
Submitted Via: Web
Date Sent: 2016-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No