NELNET, INC.

2018-10-09

Macclenny, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I was awarded Social Security XXXX beginning XX/XX/XXXX. My letter said that I would have a medical review in 3 years. I began a self-sufficiency program ( PASS ) through Social Security in XX/XX/XXXX. I got some advice for filling out the PASS application from a person through the Ticket to Work program. In XX/XX/XXXX I got a letter from Social Security asking if I was or had been in the Ticket to Work program. I sent it back. I think that's the reason why I didn't have a medical review at that time. I still haven't been able to work for pay part-time or full time. I've never been given another medical review or been informed of when I might have one. I believe Nelnet has all my student loans now. There were some with XXXX but they've been transferred to Nelnet. In XX/XX/XXXX I requested and received a XXXX XXXX XXXX XXXX discharge application from Nelnet. I also got a copy of my XXXX, which had a " next medical review '' date of XX/XX/XXXX, and a cycle of re-exam cycle of 3+ years. I sent this to Nelnet. I spoke to Social Security on the phone to try to get more information about when my next medical review would be, since we were already in XXXX and the XXXX said my next review would be in XX/XX/XXXX. I was told that they are way behind in scheduling the medical reviews. I gave this information to XXXX and they said I needed to have documentation from a doctor that I am totally and permanently XXXX. I really didn't know who to ask about this. I have a new primary doctor this year. I have mental health XXXX as well as physical XXXX but I don't have obvious mobility XXXX. I've never seen a psychiatrist before. It just seemed difficult to get the documentation with no doctor who knew me. Also I dropped the idea of applying for the discharge because I was concerned that the discharge would be considered taxable income by the IRS. On XX/XX/XXXX I turned XXXX and am no longer on XXXX but am now on Social Security XXXX benefits. I was looking online for tips for asking a doctor for documentation and I came upon a CFPB article about Options for XXXX student loan borrowers. I saw this section in the article : " Social Security award letter. If you receive Social Security XXXX insurance ( XXXX ), you can prove your XXXX using your SSA award letter. The SSA letter must indicate that your next scheduled XXXX review will be within five to seven years of your most recent XXXX determination. If you previously received Social Security XXXX benefits but now receive retirement benefits, or your benefits notice does not indicate when your next XXXX review will occur, you can prove your XXXX by submitting a copy of your XXXX. You can request a copy of your XXXX from your local XXXX XXXX XXXX office. You can also call XXXX and request to be mailed a copy of your XXXX. '' I called Nelnet and told them about this article from consumerfinance.gov but they are still saying I need the Physician Certification. I really don't like my new primary doctor and am looking for another XXXX. I now have XXXX XXXX and have been seeing a XXXX, but he really only knows about my XXXX problems. If the information in the consumerfinance.gov article on options for student loan borrowers is correct, it appears that I shouldn't have to get the physician 's certification, but Nelnet insists that if I don't have a medical review date of 5 years or 7 years, then the BPQY is not sufficient. If they are wrong or lacking proper training, I need to file this complaint. Also, since I am insolvent, it is my understanding that I would not be taxed on any XXXX discharge. I'm attaching a copy of the XXXX report I received earlier in XXXX. I have not requested a copy more recently than that.
Company Response: Closed with explanation

Timely Response

2018-10-07

Simi Valley, CA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I transferred the entire balance of my student loan from XXXX XXXX to another loan provider with lower interest rates. The amount transferred at the time was what showed from XXXX XXXX as the entire balance. Several weeks later I received a message from XXXX indicating that I had a past due payment. When I looked at my account history, I saw that interest was applied AFTER I transferred what I thought was the entire balance ( Largest balance shown in the account ). I thought it was deceptive that XXXX did not readily show the entire balance so that I could find out exactly how much I owed. I now have a late fee applied to my account as well as another payment that I did not anticipate.
Company Response: Closed with explanation

Timely Response

2018-10-06

Sacramento, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: I have been the victim of a student loan scam. On XX/XX/18 I received a letter in the mail that said it was the final notice for student loan consolidation and Payment Reduction Program. I called the number ( XXXX ) on XX/XX/18 and ended up giving him my FSA ID password, thus he was able to login to my account and see my personal details, including the last 4 of my SSN, date of birth, home address, etc. After getting off the phone it felt suspicious so I XXXX the number and it showed up as a scam. I am worried about what he can do with this information and will be freezing my credit score at all 3 credit agencies and signing up for an identity theft protection service. I would also welcome any advice on other things I can do to protect myself.
Company Response: Closed with explanation

Timely Response

2018-10-05

Phoenix, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-10-04

Foothill Ranch, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: - In XXXX of XXXX I applied for a loan consolidation through XXXX, to consolidate my loans that were in repayment. - On XX/XX/XXXX of XXXX I was approved for a Direct Consolidation Loan in the amount of {$36000.00} from a loan servicer NelNet, to pay my outstanding balance on my federal loans and was approved. - Approximately XXXX of XXXX, got a credit alert and received information from US Dept of Education that this loan defaulted. - Reached out to both US Dept of Education and Nelnet on numerous occasions to resolve this issue and was told by Nelnet that account was in good standing. - Contacted by US Dept of ED in XXXX of XXXX regarding notice of intent for Wage Garnishment for the balance of the loan. - In XX/XX/XXXX I submitted documentation detailing that I consolidated the loan and have been paying on time and was subsequently denied. - At this point a different collections agency is attempting to collect on this dept with added fees and interest in the amount of {$49000.00}. I currently have until XX/XX/XXXX to come up with a payment plan or they will proceed with garnishment. - Called NelNet on XX/XX/XXXX, talked to a specialist, they stated they don't know how to help and they they paid XXXX/XXXX. They said to reach out to US Dept of ED. - XX/XX/XXXX Contacted by assigned Creditor, XXXX XXXX, stating there was an error and I now actually only have until XX/XX/XXXX to come up with a payment plan or appeal the wage garnishment hearing in Federal District Court. - XX/XX/XXXX Sent Certified letter to both Nelnet and US Dept of ED Administrative Wage Garnishment group requesting a detailed investigation into all loan accounts associated with my name.
Company Response: Closed with explanation

Timely Response

2018-10-04

Glendale, CO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Hello CFPB I am having difficulty with Nelnet incorrectly counting the number of payment toward the 25 years till forgiveness under the IBR/ICR programs. I contacted Nelnet asking how many payments I have left till forgiveness and was told I have made only 102 payments -- and thus have over 17 years left to go. In actuality, I have made 24 years of payments, and I have made closer to 280 payments. I re-contacted Nelnet to ask for clarification and was sent a notice dated XX/XX/XXXX that says Our records indicate you have been enrolled in the Income-Based Repayment ( IBR ) Plan since XX/XX/XXXX. However the account history they sent with this notice shows reduced payments under ICR going back to XX/XX/XXXX( this would be at least 192 payments ). Unfortunately, Nelnet did not sent the rest of the record going back to XX/XX/XXXX, which would have shown the rest of the reduced payments under the ICR program. I have re-contacted Nelnet twice for an explanation/correction and have not heard back. To clarify -- the actual loan has been in ICR and then later the IBR programs since XX/XX/XXXX. I was first placed on the Income Contingent Repayment ( ICR ) plan in the mid XX/XX/XXXXwhen my son had XXXX and I could not work. Under these plans, I made reduced monthly payments under a partial financial hardship. Later, when the IBR program became available, I switched from the ICR program to the IBR program. I was told by Nelnet representatives at the time that this switch would not affect the 25 years till forgiveness. When I called a few years ago ( I think it was XX/XX/XXXX) I was told by a Nelnet representatives I should only have about 5 years to go. Now, however, after I have paid on these loans for over 23 years, Nelnet seems to think I have only made 102 payments ( 8 years ) and I still need to pay for another 16 years?? Regardless of which program I was using to pay my loans, according to the legal documents I have read ALL of my payments should count toward the 25 years. For example -- here is what the it says in the Federal Register ( Vol. 73, No. 206/Thursday, XX/XX/XXXX/Rules and Regulations- Part II ) on page 63259 : 1 ) To qualify for loan forgiveness after 25 years, a borrower must have participated in the income-based repayment plan and satisfied at least one of the following conditions during that period : ( i ) Made reduced monthly payments under a partial financial hardship as provided in paragraph ( b ) ( 1 ) or ( 2 ) of this section, including a monthly payment amount of {$0.00}, as provided under paragraph ( b ) ( 2 ) ( ii ) of this section. [ I meet this qualification! ] The federal register continues and says : ( 3 ) For a borrower who qualifies for the income-based repayment plan, the beginning date for the 25-year period is ( i ) If the borrower made payments under the income contingent repayment plan, the date the borrower made a payment on the loan under that plan at any time after XX/XX/XXXX ; [ < -- Please note XX/XX/XXXX!! This means ALL of my payments on the ICR or IBR made after XX/XX/XXXXshould count!! ] Please look into this and get back to me and let Nelnet know the results as well since I am likely not the only one being impacted by this issue.
Company Response: Closed with explanation

Timely Response

2018-10-03

Foothill Ranch, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: - In XXXX of XXXX I applied for a loan consolidation through XXXX, to consolidate my loans that were in repayment. - On XX/XX/XXXX of XXXX I was approved for a Direct Consolidation Loan in the amount of {$36000.00} from a loan servicer NelNet, to pay my outstanding balance on my federal loans and was approved. - Approximately XXXX of XXXX, got a credit alert and received information from US Dept of Education that this loan defaulted. - Reached out to both US Dept of Education and Nelnet on numerous occasions to resolve this issue and was told by Nelnet that account was in good standing. - Contacted by US Dept of ED in XXXX of XXXX regarding notice of intent for Wage Garnishment for the balance of the loan. - In XX/XX/XXXX I submitted documentation detailing that I consolidated the loan and have been paying on time and was subsequently denied. - At this point a different collections agency is attempting to collect on this dept with added fees and interest in the amount of {$49000.00}. I currently have until XX/XX/XXXX to come up with a payment plan or they will proceed with garnishment. - Called NelNet on XX/XX/XXXX, talked to a specialist, they stated they don't know how to help and they they paid XXXX/XXXX. They said to reach out to US Dept of ED. - XX/XX/XXXX Contacted by assigned Creditor, XXXX XXXX, stating there was an error and I now actually only have until XX/XX/XXXX to come up with a payment plan or appeal the wage garnishment hearing in Federal District Court. - XX/XX/XXXX Sent Certified letter to both Nelnet and US Dept of ED Administrative Wage Garnishment group requesting a detailed investigation into all loan accounts associated with my name.
Company Response: Closed with explanation

Timely Response

2018-10-03

Tampa, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: On XX/XX/2018, I made a payment from XXXX XXXX XXXX disbursements back to the loan, which was issued on XX/XX/2018. I made this payment, as it was more than what I actually needed of the loan, and as I have discussed many times with Nelnet, my loan service provider, when we make a payment within 120 days of the disbursement of a loan, we would like it to be applied to principal only, as is our right. They did not apply this payment to principal only, but to principal and interest as they are wont to do, and do every time with every loan. I have been repeatedly told by Nelnet that they have it in my notes, and will make sure that this doesn't happen again, but every time a new loan is dispersed, I have to go through this again, and contact you again. I believe that this is a predatory loan practice, and basically a scam to make even more money off the backs of students.
Company Response: Closed with explanation

Timely Response

2018-10-02

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2018-10-02

Milwaukee, WI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-10-02

Centennial, CO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2018-10-01

Oxford, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Hello, I want to complain about a PSLF program that Nelnet loan service provider did not honor. I contacted Nelnet in 2017 after paying my loan for 10 years ( 120 months ) without a delay in payments. I am a public service worker for nearly 30 years and had planned to retire soon. Once I learned of the PSLF program and checked my account with Nelnet, I submitted my certified information. I was denied due to my loan was not in the appropriate loan forgiveness program. I was told that I could move my remaining balance over to the right loan program and work ten additional years to get the PSLF. I thought this was extremely careless and disrespectful to share with me. Now I have to continue working to pay the remaining debt off. I believe Nelnet withheld critical information to its customers and did nothing to help its customers but take our money. I hope there is something that can help those who have issues with this PSLF program. Thank you.
Company Response: Closed with explanation

Timely Response

2018-10-01

Leeton, UT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Nelnet has now systemically and consistently demonstrated negligent and fraudulent practices. Nelnet misapplied a {$30000.00} payment which caused great financial stress and hardship. Since that time, Nelnet managers and advisers have consistently provided false and misleading information when I have asked for all my options to assist with repayment. In the most recent incident occurring between XX/XX/18 - XX/XX/18, I called this shameful group to discuss options for repayment. I explained to this company that I have been filing applications for borrowers defense since I went to a " for profit '' university who I charge made misleading statements regarding my job prospects, income prospects, and so forth. The manager, XXXX, said that Nelnet receives applications from borrow defense " within 24 hours '', which turned out to be a viscous lie. Another manager confirmed that Nelnet receives the request whenever the DOE sends them. I explained to yet another manager that due to all of this, I have been homeless for the last 5 years. I explained my situation and she advised me to consolidate all my loans so I could qualify for a low income apartment grant. I was absolutely shocked and sickened to find out I could do this directly with the DOE. Further, Nelnet has lied when it said that my only other option was to put all loans on " administrative forbearance ''. AT NO TIME did they tell me I could consolidate into an easier payment plans. Nelnet has consistently advised me that I am ONLY able to consolidate with PRIVATE lenders. Nelnet did not at any time advise me that this was an option. Had I known this, I could have not been XXXX for the last 5 years, could have avoided massive interest assessment, and could have begun a reasonable repayment plan. Shame on Nelnet. I have spoken with an attorney and, despite using what little money I have to stay warm and get food, I will use that money to take legal action against Nelnet if this issue is not resolved as soon as possible.
Company Response: Closed with explanation

Timely Response

2018-10-01

Eldridge, MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I applied for Public Service Loan Forgiveness from the U.S. Department of Education ( XXXX XXXX ) and was told I do not have any ELIGIBLE loan types. With all due respect, I think they are mistaken and may have inaccurate information. I called XXXX and was told to contact my current loan servicer, Nelnet. Before Nelnet, my servicer was XXXX XXXX for XXXX XXXX directly after graduation from the University of XXXX in 2006. It seems possible that a data entry error could have occurred in the transfers. I have attached documents that I believe prove the eligibility of my loans. If my student loans are not eligible for PSLF, I would like a thorough explanation concerning WHY they are not. I see William D. Ford Direct Loan Program as well as Federal Family Education Loan Program on the consolidation papers. I simply do not understand what the problem is. If I can find evidence that the loans ARE eligible, I can and will re-apply for the loan forgiveness. Thank you for any help you can give me.
Company Response: Closed with explanation

Timely Response

2018-10-01

Clermont, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: I am a XXXX XXXX XXXX XXXX VETERAN HAVE ASKED THEM TO REMOVE THE LOANS FROM MY CREDIT REPORT HAVE FAXED AND MAILED THE INFORMATION IN NUMEROUIS, TIMES, I HAVE ATTACHED PAPERWORK THAT STATES I AM XXXX XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2018-09-30

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2018-09-30

Chicago, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-09-30

Douglas, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: My student loan servicer, Nelnet, has failed to accurately and completely report data to the major Credit Reporting Agencies ( henceforth referred to as CRA ) ; XXXX, XXXX, XXXX, and XXXX, as required by 623 - 15 U.S.C. 1681s-2. Several attempts to rectify this issue through both the normal customer service channels, as well as by directly contacting Nelnet, Inc executives has been fruitless as I have been completely ignored. Due to this, my credit score has dropped by several hundred points through absolutely no fault of my own. I have been ripping my hair out trying, for months, to get a response from anybody at Nelnet, in order to correct this inaccurate reporting, and have been completely ignored ( or refused to be talked to ) every single step of the way. As of today, XX/XX/2018, Nelnet is still reporting to the CRAs that my student loan as late each month, despite being paid off in full ; in fact, Nelnet actually owes me a little over {$2.00} as I overpaid on my final payment. A final attempt to contact the following entities on XX/XX/2018 about this inaccurate and incomplete reporting has been completely ignored ; I have received absolutely no response from any of the below entities who were sent my letter : XXXX XXXX, President, Nelnet , Inc. ; XXXX XXXX XXXX, Chief Executive, Nelnet , Inc. ; XXXX XXXX XXXX, Chief Operating Officer, Nelnet , Inc. ; XXXX XXXX XXXX, Managing Director, Nelnet , Inc. ; XXXX XXXX XXXX, Managing Director, Nelnet , Inc. ; XXXX General Customer Service Contact : XXXX and XXXX None of the e-mails bounced back as undeliverable, and they were in fact read by all recipients as evidenced by a unique tracking pixel embedded in the e-mail to each recipient. Below is a portion of my original e-mail sent on XX/XX/2018, with updates to inform about any changes since the original email was sent. To summarize my issue : - I have had over twelve years of flawless on-time monthly payments that were managed by an immediate family member, my mother, since Nelnet kept sending my bills to her for some reason. She would mail in the check, and I would reimburse her. Never once was a payment late, and Nelnet reported the payments accurately until this year. - On XX/XX/2018, I received three letters at my personal address, dated XX/XX/2018, in separate envelopes in the mail from Nelnet. They all contained the same information ; congratulating me that my student loan ( Acct # XXXX ) had been paid off in full. The only difference between the three letters was at the top, they stated Loan : 01, Loan : 02, and Loan : 03 respectively, just above the body of the letter. - After receiving the above-mentioned letters stating that my student loan was paid off in full, I did not receive ANY further communication from Nelnet until XX/XX/2018. - Despite being paid in full, Nelnet began reporting the loans as late each month to the four major CRAs. - Attempts to figure out what was going on and rectify this situation through the normal customer service channels failed, as no matter who I spoke to, and despite providing my social security number, drivers license number, account number, as well as other identifying information, I was repeatedly told that my information did not match what was in their records, and they would not speak to me further. - On XX/XX/2018 I received the first communication from Nelnet since the above-mentioned letters I received on XX/XX/2018. This communication arrived in the mail, and was a bill for {$270.00}. - Questioning the accuracy of this bill, since I had previously received the letters stating that my student loans had been paid off in full, I once again attempted to contact customer service. I was once again told that they could not speak to me since my information did not match what they had on file. I could not create an online account on the Nelnet website either, as my information did not match our records ( attached below ). Calling the phone number it said to call, I was told the same thing. - On XX/XX/2018, completely frustrated with Nelnet, I wrote a check ( dated XX/XX/18 ) for {$270.00} and immediately mailed it via certified mail. The check was received by Nelnet on XX/XX/2018 according to the United States Postal Service. - Nelnet did not cash the above-mentioned check for {$270.00}, which they received on XX/XX/2018 until over a month later, on XX/XX/2018. I have attached the cancelled check below. - On XX/XX/2018, I received another statement that I still owed {$2.00} on my student loan. I immediately wrote a check for {$4.00} and mailed it via certified mail on XX/XX/2018. Nelnet received this check on XX/XX/2018. - The above-mentioned check was not cashed by Nelnet until XX/XX/2018 ; a little over a month after they received it. I have attached the cancelled check below. - Even after cashing both of these checks, Nelnet continues to report my student loan as late to the four major CRAs as of today, and is still reporting an outstanding balance of {$2.00} on my credit reports ( XXXX attached below ) with the latest update occurring on XX/XX/2018 according my credit monitoring service, dropping my credit scores by an additional 49 points on average. - This account, XXXX, has never been paid late throughout the entire life of the loan. All lates being reported are strictly the fault of Nelnet reporting inaccurate information, and/or taking over a month to cash and apply payments to the account after they have received them. At this point, I request that Nelnet act in good faith and within fourteen ( 14 ) days, make me whole by removing any and all late or derogatory marks they have reported to the four major CRAs, as well as update the balance to be correct ( which should be $ XXXX ), and close the accounts. Please send me, via mail, confirmation that these actions were taken within fourteen ( 14 ) days. As it currently stands, Nelnet is currently in willful violation of the standards set forth under the Fair Credit Reporting Act 15 U.S.C. 1681s-2, Section 623. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX
Company Response: Closed with explanation

Timely Response

2018-09-29

Rockville, MD

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: NELNET, former loan servicer, who transferred my student loan to XXXX XXXX before my loan entered repayment, i.e. no payment was ever owed NELNET ; no payment was ever made to NELNET. In clear violation of federal law expressly prohibiting duplicate reporting of loans ( including student loans ) within the borrower 's credit reports, NELNET continues to duplicate report ( same student loan for {$20000.00}, reported by XXXX XXXX, the current and only servicer to whom payments were owed ). NELNET 's per se unlawful explanation for NELNET 's continued unlawful duplicate student loan reporting is " loan history '' which argument is fictitious/illegal-self-serving because National Student Loan Data System, NSLDS, is the sole student loan system recognized as " authoritative '' for student loans history reporting. In fact, NELNET is merely actually using their unlawful student loan tradeline report for illegal monetary gain by sale of said unlawful tradeline. PRIOR NOTICE : XXXX has received numerous requests from me to permanently remove NELNET 's per se unlawful duplicate student loan report from my XXXX credit report ( hereby I incorporate my prior Consumer Financial Protection Bureau, CFPB report number XXXX dated XXXX XX/XX/2018 in full with all attachments by reference ). If XXXX does not promptly ( within 10 business days ) permanently remove NELNET 's per se unlawful NELNET duplicate student loan report report, I will have no further option but to bring both NELNET and XXXX to federal district court to answer charges of unlawful fraudulent student loan reporting extortion. NELNET and XXXX have received written notice numerous times without corrective deletion of said unlawful duplicate student loan report
Company Response: Closed with explanation

Timely Response

2018-09-29

Detroit, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I recently found out an account was placed on my credit report that belongs to my daughter. It shows delinquent. However, no one called me about this account. Ive talked with XXXX and XXXX about this, and each referred me to the other. I asked why no one contacted me, and Was told they called me, and they gave me a number that was not my number. They said they knew it was not a good number. Said I should have called and reported a number change, but I said How was I to know you had wrong number? The customer service person read a number off to me which was not my telephone number. I asked how they could place something on my credit without even trying to call me or reach me. I even stated if they would remove this from my credit I would like to pay it off for my daughter if I could negotiate a lower rate. No one will work with me for a lower rate or help remove this from my account. I was told I was the co-signer. Even though I dont remember co-signing this loan, Im willing to help my daughter and try to work something out if they will remove this from my credit. Its not my debt However, as co-signer on this loan dont I have a right to be notified? They even admitted not contacting me several times. I worked so hard to have good credit, now its ruined. I am XXXX. Please help me. I will pay account off, now that I know, but just dont think this is fair to be on my credit nd not be given a chance to make things right. My daughter has brought account current. Please help me remove this negative mark from my credit. Thank you in advance for any help you can give me.
Company Response: Closed with explanation

Timely Response

2018-09-28

Las Vegas, NV

Problem with a credit reporting company's investigation into an existing problem

Student loan: Federal student loan servicing

Problem with personal statement of dispute
Complaint: I attended XXXX college but did not get to finish schooling there. The college was shut down due to fraud from XXXX colleges. I never finished school and i feel i was robbed of money that is effecting my credit severely. I live in a new state now and do not live at the same address obviously. I sent in papers to the XXXX XXXX XXXX XXXX XXXX and never got a response. I have no transcripts nothing at all left everything was lost in the move to a new state and have no idea how to get ahold of them. Thousands of students got their loans forgiven and i shouldnt have to pay mine back not even having a XXXX XXXX to show for my hard work at XXXX college. I need contact information so i can take care of these student loans.
Company Response: Closed with explanation

Timely Response

2018-09-28

Irondequoit, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I consolidated all my student loans in XX/XX/2017 I was with XXXX XXXX and the company I thought I was consolidating with ( XXXX XXXX XXXX XXXX ) charge me {$190.00} for 3 months they were some kind of clearing house for the government in student loans and my payments would be {$98.00} a month for 12 months then it would go up because I was on the Income Driven Repayment Plan now I had to re-certify and because according my income forms I made {$5000.00}. more than last year because I retired and went back to work my payments are now 5 times more than I was paying, they want over {$500.00}. a month and my husband does not help me with any bills, but we file jointly my husbands income only benefits me with food and car insurance that's all he pays in house hold bills. Perhaps if I filed married filing separate would help me I don't know I will have to check into that. For now, where do I stand. Let me back up here, the company I am dealing with is Nelnet with the U. S. Department of Education logo on it, their address is XXXX XXXX XXXXXXXX XXXX, XXXX, Ga XXXX. I can send you any information you need via US Postal. I hope something good comes out of this for me, because I could be drowning in debt if I paid what they are asking. P. S. I never got a degree for all the student loans I have, but an education with a XXXX grade average, at test time left too many blanks airgo did not pass and no degree or certificate.
Company Response: Closed with explanation

Timely Response

2018-09-27

NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Within the past few years, I have had multiple issues with Nelnet. I originally went to XXXXXXXX XXXXl in XXXX, and my original Student loan lender was XXXX XXXX. I had no problems in the beginning, while I was waiting to find a job my loans were in deferment. My loans then were transferred to Dept of Ed/Nelnet, I received a notice that my loan was transfered information however was not told this would effect my deferment. When I received my first bill in XX/XX/XXXX I filled out the paperwork for an extension on my deferment as I had not yet found a job as a nurse. I never received a confirmation that my deferment was approved or denied, however I did not get another bill and stopped worrying. It was not until XXXX of XXXX that I received a notice that my account was severly delinquent and I called immediately to resolve. I place another deferment on my account when offered. That extension took me until XX/XX/XXXX when I received a notice along with another option to defer. My parents had instilled in me the importance of good credit and I knew I was still not financially able to cover my payments at that time and did not want to risk negative remarks, so filled for another deferment by mail, sure that the same error could not happen twice. I received nothing from Nelnet until XX/XX/XXXX when I became worried that no news was not good news. I reached out to them and was told that my account again was in delinquent status, and was even told by the representative that she saw my deferment request from XX/XX/XXXX and stated she didn't " know what happened '' and gave her apologies. The representative said they had sent me notices by email, and when I asked what email, she had one that was not/had never been mine After My call in XXXX I asked to speak with a supervisor, and that had been the last of my troubles going forward. I reached out multiple times to Nelnet, Dept of Ed and XXXX with either no response or an explanation as to why, even if inaccurate, they do not remove late payment history. I was told by one representative that people try to " scam the system '' and that is why they do not make changes. I tried to better my life going to XXXX XXXX and now as I get ready to look for a home, those inaccurate late payments are making it near impossible. I have reached out multiple times, and although told they apologize, and it was " simple human error '' and to " deal with the consequences '' I have decided to defer my complaints to CFPB in hopes of getting help removing these inaccurate late payments. I will attach some documents/responses I have received that I hope will help to assist with this matter and I look forward to hearing back from you.
Company Response: Closed with explanation

Timely Response

2018-09-27

Patterson, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Personal information incorrect
Complaint: A long story short, when I entered university at the age of XXXX, financing school was difficult because I was a minor. My parents participated in the a program prior to me graduating high school to front the cost but still needed to take out a Parent Plus loan. All other schooling was for paid out of pocket. Never did I physically sign a document at XXXX binding myself to a loan, mainly because that is illegal. Last XXXX, I ran across an email from Nelnet stating my student loans were kicking in. Honestly, never took out a loan and thought it was a scam. I ended up contacting the company on multiple occasions to discuss this discrepancy. I not only reached out to Nelnet but I also contacted XXXX XXXX XXXX. I spoke to a handful of people and requested a mater promissory note from both institutions. Nelnet finally sent me the note via emails on XX/XX/XXXX. I am still waiting for documentation from XXXX XXXX. Even with the documentation, I was under the age when the loan was taken out in my name. It should not be in my name and it should not show up on the credit report at all since the institutions were difficult.
Company Response: Closed with explanation

Timely Response

2018-09-26

Hattiesburg, MS

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response