NELNET, INC.

2017-12-04

Hampton, VA

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: My daughter was attending college up until XXXX, I had moved from XXXX XXXX to XXXX in XXXX. In early XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told Nelnet that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. Nelnet did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XXXX of XXXX, yet the threating phone calls kept coming in from Nelnet all hours of the day and night. The reports that Nelnet have made and continue to make to the credit buearas are false, when I explain to them it was an oversight and try to correct it, Nelnet again starts swearing and telling me that they are there to ruin my credit score across the 3 bureaus and make sure I do not obtain a job. In fact when I have tried to work with Nelnet to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I " apply at XXXX that they are always hiring. '' This only scratches the surface of the horrors and harassment that Nelnet does and I am prepared to show you evidence of their repeated phone calls after hours.
Company Response: Closed with explanation

Timely Response

2017-12-03

Seattle, WA

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Complaint: Nelnet changed the monthly repayment amount on the standard repayment schedule for my federal student loans without notifying me of the change. The amount increased from {$330.00} to {$530.00} and first occurred when Nelnet auto-debited my account on XXXX XXXX, XXXX. Aside from the monthly payment reminder that I received via email on XXXX XXXX, I received no other notification that my standard amount had changed. I called on XXXX XXXX asking for clarification and was told that they had sent an email and a letter to me in XXXX. Having experienced other communication issues with Nelnet in the past, I keep organized records of all correspondence I receive from them and have no emails or letters matching what they described. They responded that the letter had been sent and that I must have lost it.
Company Response: Closed with explanation

Timely Response

2017-12-03

Baton Rouge, LA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2017-12-02

Hoard, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2017-12-01

Norman, OK

Incorrect information on your report

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

Account status incorrect
Complaint: Through dept of education Nelnet I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the dept of education directly, as instructed, and advised each time I call Nelnet that they have not been notified. This has caused me to be unable to return to school and ruined my credit.
Company Response: Closed with explanation

Timely Response

2017-12-01

Vicksburg, MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I contacted Nelnet on XX/XX/XXXX to start setting up a repayment plan. The loan advisor set me up with a pay as you earn payment plan and helped me set up my automatic payments of $ XXXX month. In XXXX my payment never went through. I contacted the company which then told me that none of that had actually occurred and their record only shows a note stating that I had asked for a " Forbearance. '' It was discovered that the loan advisor that I spoke with stole my information and used my identity to set up payments that were taken out of my account and given to a fraudulent company. I no longer feel like I can trust their company since they did n't even know that one of their employees was committing fraud. I also want the {$690.00} that was stolen from me given back. I have pulled my phone records and bank statements. My bank, XXXX XXXX, is also not helping me in any way. I have contacted the bank several times and I have contacted Nelnet a couple times including todayXX/XX/XXXX. My money was being sent to " XXXX. ''
Company Response: Closed with explanation

Timely Response

2017-12-01

Akron, OH

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

2017-11-30

Staten Island, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I XXXX in a Title 1 school for a period of time in excess of 5 years. According to the XXXX Loan Forgiveness program, I was eligible to have up to {$17000.00} of my student loans forgiven due to this work experience. I was eventually ( it took a tremendous amount of time ) approved for the forgiveness, only to have my loans transferred to a new company before the forgiveness was applied. The forgiveness was never applied to my loans and the new company has refused to honor the previous approval. Also, due to my financial status I have had to keep my loans in forbearance, accruing more and more interest charges for amounts I likely will never be able to repay.
Company Response: Closed with explanation

Timely Response

2017-11-30

Ardmore, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2017-11-29

Washington, DC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I began going to school part time in XX/XX/XXXX. At that moment, Nelnet decided to put my loan payments in deferment. They did this without my consent and only attempted to contact me through their messaging system. I noticed and began repaying these loans in XX/XX/XXXX, but I had allowed 7 months of extra interest accrue. In XX/XX/XXXX, my total loan amount was {$32000.00}, by XX/XX/XXXX it had grown to XXXX due to the interest on my loans. If I had continued on my regularly scheduled payment plan by XX/XX/XXXX my balance should have been around {$30000.00}.
Company Response: Closed with explanation

Timely Response

2017-11-29

PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: In summary : My student loans were transferred from XXXX XXXX loan servicing to Nelnet Loan servicing in the summer of XXXX. When Nelnet received the loan, it was not disclosed properly. This disclosure error has led Nelnet to ask me to increase my monthly payment by several hundred dollars per month ( over a 200 % increase ). Details : Original Nelnet statements from XXXX XXXX attached ) listed my regular payment for Group A Loans at {$53.00} and Group B Loans at {$42.00} ( total of {$96.00} ) monthly. I regularly paid the Group A and Group B payments ( never missing or late ), and have recently begun paying extra on Group B after paying off Group C loans. On XXXX XXXX, XXXX ( after having the loans for over 2 years ), Nelnet contacted me via email stating " As your federal student loan servicer, its our responsibility to periodically review your account to ensure your regular monthly payment amount will allow you to repay your loans within the remaining term established in your loan promissory note. During a recent review of your account, we found that your regular monthly payment amount needs to increase to meet this federal requirement. '' The new loan payment listed in the email was {$500.00} ( an increase of {$410.00} or 426 % ). Through a series of phone calls on XXXX XXXX, XXXX XXXX, and XXXX XXXX ( XXXX, XXXX, XXXX? and another person as well ) where I felt I was not being given full, clear, and appropriate information about the reasoning behind this increase ( and quite frankly I 'm still not satisfied with that response as Nelnet continually throws up a " well XXXX XXXX must not have disclosed the loan properly '' response without being able to tell me specifically what the disclosure SHOULD have been at any point behind a nebulous " interest rate changes ... '' reasoning ), I pushed and asked to elevate the matter, and I began doing my own personal investigation. On Group A, I owed a total of {$2100.00} according to the initial statement from Nelnet ( attached ) with an interest rate of 2.32 %. On Group B, I owed a total of {$1700.00} with the same interest rate. Taking 30 seconds to plug this information, along with the number of remaining payments, into an amortization calculator ( WHICH NELNET SHOULD HAVE DONE AT THIS POINT IN XXXX ) would tell me what each payment should be. Since the remaining payments information is absolutely nowhere to be found on Nelnet 's site or statements, I went back through my history of information from XXXX XXXX and counted my loan payments made to them ( 93 ). I had 27 monthly payments remaining when Nelnet received my loans. If they had done a simple calculation at this point, the monthly payments should have been {$81.00} and {$65.00}. Instead, as you can see from the attached statements, Nelnet inexplicably asked me to pay {$53.00} and {$42.00}. Because I trusted my loan servicer to be competent and actually able to calculate a simple monthly payment, I regularly paid these amounts. I NEVER incurred late charges or fees, and I expected these amounts to successfully pay off my loans in the appropriate term. Instead, through no fault of my own, I am now in a situation where 2 full years have gone by and with only 3-4 loan payments remaining Nelnet has redisclosed the loan and finally found their initial mistake. Through no fault of my own, I have been underpaying on these loans. Though no fault of my own, my regular payments WILL come up short. Because Nelnet does not include remaining payments information on their statements or website, and because they did not complete their self-proclaimed ( see their email statement, above ) " responsibility to periodically review your account to ensure your regular monthly payment amount will allow you to repay your loans within the remaining term established in your loan promissory note '' I am now being asked to increase my loan payments to {$330.00} per month to cover the shortage that Nelnet created. Had I not been paying extra on Group B recently ( my regular monthly payment has been about {$200.00}, trying to pay {$100.00} more per month ) to attempt to pay down my total debt faster and with less interest, this amount would certainly be higher! On XXXX XXXX or XXXX I called back to get more information from the service team leader, XXXX, and to share with her the fact that I had done this investigation on my own. I gave XXXX what I believed to be two equitable solutions : 1. Nelnet could extend my loan terms to allow me to keep paying the regular monthly amount that I SHOULD have been paying all along ( about {$140.00} ). In this event, to prevent paying ADDITIONAL interest above and beyond what I should have paid had Nelnet disclosed the loan correctly upon receipt, I wanted the interest rate to drop to 0 % after the last regular payment in XXXX of XXXX. 2. If Nelnet could not extend my loan terms, then I proposed that I pay my regular monthly payment that I have been paying ( about {$200.00} per month ), and at the expiration of the loan term in XXXX of XXXX Nelnet would discharge the remaining balance with their own funds to make up for their own errors. XXXX agreed to review the account and get back with me in 48-72 hours. A few days later I received a statement from Nelnet with a {$140.00} payment due. About a week later ( XXXX XXXX ), I received a general email from Nelnet stating that my account was still being reviewed. Over a week after that ( yesterday, XXXX XXXX ) I called Nelnet to check the status. XXXX said that a letter was drafted that I should receive in the mail in the next few days ( even though my next payment is due on Sunday, which I will need to pay by Friday to make timely ), so she agreed to have it emailed. I received the attached letter from Nelnet noting that my payments would be {$230.00} on XXXX XXXX, and then 3 additional payments of {$330.00} beginning in XXXX. Nelnet is taking no responsibility whatsoever for their disclosure mistakes ( and yes, the mistakes do at least partially rest with Nelnet as you 'll notice that an interest rate increase in XXXX of XXXX - statement attached - also did not trigger a redisclosure, which again could have rectified the situation in a manner much more palatable than a 200-300 % payment increase ). Even though by Nelnet 's own admission it is THEIR responsibility to periodically review accounts and redisclose them to ensure that payments are correct, Nelnet neglected to take any action for over two years, including after events that should AUTOMATICALLY cause a payment change ( interest rate increase ). Nelnet is taking no corrective action whatsoever to rectify the situation.
Company Response: Closed with explanation

Timely Response

2017-11-28

Jersey City, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I received notice from XXXX ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both XXXX and XXXX have told me.
Company Response: Closed with explanation

Timely Response

2017-11-28

Hampton, VA

Incorrect information on your report

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

Information belongs to someone else
Complaint: nelnet loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( dpt of edu and nelnet ) that no record of this account exists under my SSN. Tried to tell XXXX that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both XXXX and nelnet, was placed on hold. No one ever returned to line.
Company Response: Closed with explanation

Timely Response

2017-11-28

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Follow up complaint XXXX my previous employer is refusing to sign my XXXX XXXX XXXX. Can you please clarify the issues below. please see the correspondence They refuse to Hi Everyone! Before we proceed further, we need to clear some things up. We 've had several conversations with several different people, and I 'd like to get everyone on the same page. My recollection of events here is as follows : Originally, I asked XXXX XXXX to sign my application for XXXX, and as of XXXX/XXXX/XXXX, your response was that you are not sure if XXXX 's qualify, and that you need legal guidance on this issue. There was no mention of any other issue, nor any indication that there might be an issue with XXXX XXXX as my employer, as opposed to me as an employee. After I obtained some guidance on the XXXX issue, you raised two further issues, which had not been raised previously. These are : a ) whether XXXX XXXX is eligible for the loan forgiveness program b ) whether it is necessary to work for five consecutive years at the same location. If these are genuine concerns, I am willing to work with the relevant parties to resolve them. However, I am uncomfortable with what has happened up to this point. It is my understanding, as you have verbally communicated to me, that XXXX XXXX HAS signed XXXX Applications for others in similar circumstances. My current employer, the XXXX XXXX XXXX XXXX, has signed my application, despite my having worked for them for only two-and-a-half years. Specifically, Section 7 of the XXXX includes the following language : " If you taught at different schools or for different educational service agencies during different academic years, the chief administrative officers from all of the schools or educational service agencies must certify your eligibility. '' I would like you to confirm or deny the following, on the record : a ) Has XXXX XXXX signed , in the past, one or more XXXX Applications, for current employee/s, or former employee/s, of the XXXX/XXXX/XXXX XXXX XXXX? If so, when was the last application signed? Was it for a current, or former employee? b ) Has XXXX XXXX refused to sign, in the past, one or more, XXXX Applications, for current employee/s, or former employee/s of the XXXX/XXXX/XXXX XXXX XXXX? If so, when did the last refusal occur? Was it for a current, or former, employee? c ) Has XXXX XXXX signed , in the past, one or more XXXX Applications, for current employee/s, or former employee/s that have not worked at XXXX XXXX for five ( 5 ) consecutive years? If so, when was the last application signed? Was it for a current, or former employee? d ) Has XXXX XXXX refused to sign, in the past, one or more XXXX Applications, for current employee/s, or former employee/s that have not worked at XXXX XXXX for five ( 5 ) consecutive years? If so, when did the last refusal occur? Was it for a current, or former employee? I have previously mentioned that I feel that I am being discriminated against. I suspect that there is an unofficial policy in place, that XXXX XXXX will not sign, or will throw up roadblocks to signing, a XXXX Application on behalf of an employee that now works for a different employer. I feel that this suspicion must be resolved before we can proceed. I am quite willing, if necessary, to pursue this matter with the Department of Labor, or in State or Federal Court, and to cast a wide net of subpoenas, on XXXX XXXX , on the U.S. Department of Education , and on whomever else may have records that will clarify the above questions. Furthermore, I am hereby requesting that each of you, and XXXX XXXX, preserve any and all records, evidence, documents, internal communications of any kind ( written or electronic, emails, voice mails, etc. ) pertaining to a ) the handling of, and response to, my XXXX Aplication b ) the subsequent discussions of my eligibility for the XXXX Program c ) XXXX XXXX 's eligibility, as a School, or as an Educational Service Agency , for Title I, or other Federal Programs, or classification as a Low Income School d ) the signing, or non-signing, of any XXXX Application/s for any employee/s, current or former, submitted during the last five ( 5 ) years. Response From Employer Dear XXXX XXXX XXXX has been trying to explain to you, XXXX would certainly be willing to sign the XXXX XXXX XXXX XXXX as long as our signature correctly attests to the services you provided being eligible for the loan forgiveness program. Unfortunately, the loan forgiveness application and attached instructions for completing the form do not indicate that the services you provided to XXXX are indeed eligible for the loan forgiveness program. Upon follow up to our conversation yesterday, I verified that the services you provided in the past were provided at one of our XXXX XXXX sites. As reiterated by Nelnets response to your compliant, in order for your services to qualify for loan forgiveness, the school or educational service agency at which you XXXX must be an eligible XXXX XXXX school for at least the first of your consecutive years of XXXX at the school. Our XXXX XXXX XXXX is not an eligible XXXX XXXX school and, therefore, we can not attest to your services being eligible for the loan forgiveness program. In trying to assist you, XXXX suggested it is possible that although XXXX does not qualify as a XXXX XXXX eligible program, your services may qualify as having serviced a low income population. We are not included in the Low-Income School Directory because we are not a low-income primary or secondary school ; XXXX sites are part of its Federal XXXX XXXX program. You may follow XXXX suggestion to get written verification that services provided to XXXX XXXX pre-school students are eligible for loan forgiveness. If the XXXX services provided in XXXX XXXX XXXX are clearly found eligible as teaching services performed at an educational service agency to be counted toward the required five complete and consecutive academic years of XXXX, you will also need to document that you have indeed provided complete consecutive five years of qualifying services. As XXXX compliance officer, I am proud that XXXX staff very carefully review materials and forms before affixing attestations and signatures. Best, XXXX XXXX XXXX XXXX, XXXX. Director of Compliance and Legal Affairs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Ph. : XXXX Fax : XXXX Email : XXXX Yelled XXXX was on the list of low income schools up until XX/XX/XXXX as attached below, and refuses to share the updated information about the school with the XXXX XXXX Low Income directory.
Company Response: Closed with explanation

Timely Response

2017-11-28

Antioch, TN

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

2017-11-28

Hinsdale, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: DIRECT STAFFORD SUBSIDIZED Loan issued XX/XX/XXXX for {$3500.00}. This is what my account is currently showing : Total Borrowed : {$3500.00} Outstanding Principal as of XX/XX/XXXX : {$3500.00} Outstanding Interest as of XX/XX/XXXX : {$2.00} Why is the principal of my loan higher than the amount I have borrowed. I have spent an hour on the phone with XXXX XXXX XXXX/XXXX ( XXXX XXXX XXXX XXXX, GA ) and they could not tell me why this extra {$68.00} was applied to the principal of my loan. I have never gone below full-time enrollment- yet alone part-time enrollment. I would like to know where this {$68.00} charge came from and why it was added to my account. I also would like to know why the Nelnet services do not explicitly breakdown the charges to date, to the cents- info the company has, yet the borrower of the loan can not access, and the interest accrued breakdown. Also, why is the amount of my loan " paid to date '' lower than the amount that the loan was originated for? Why am I paying interest on the original amount borrowed if that original amount has not been paid out. I do n't believe that I should be paying interest on an amount that has not been issued.
Company Response: Closed with explanation

Timely Response

2017-11-28

Cheat Lake, WV

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

2017-11-28

Chicago, IL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: My loan servicer was XXXX up until XXXX of 2017. XXXX based my payments off of my tax return as that is a better indicator of my financial situation and had me paying about {$40.00} a month. However, when I consolidated my loans through NelNet, I was not given the option to submit my XXXX, nor was I really given the option of seeing what my payments would be until after they closed out my loan with XXXX. In XX/XX/XXXXI received my first NelNet bill which {$120.00}. I contacted them and was told to resubmit my application for IDR and submit my XXXX with it. A month or so later I was sent a bill with {$120.00}. I contacted them again and was told that I should have sent in my XXXX with my original application back in XX/XX/XXXX. I explained to them that I was n't given the option, but they said this was a law. I then contacted them again in XX/XX/XXXX and was told to resubmit ANOTHER application for IDR with my XXXX and my payments would be around {$40.00} a month. A week later I was sent an email saying they could take my XXXX. I have talked to other loan servicers and they said they have never heard of this law.
Company Response: Closed with explanation

Timely Response

2017-11-28

Macon, GA

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2017-11-28

Littleville, AL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2017-11-28

Kosciusko, MS

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

Student loan: Federal student loan servicing

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: i called the company nelnet to discuss about getting all of the late payments received from my account and they said they can only do the ones from XX/XX/XXXX and the department of education would have to remove the other ones. I also contacted them today which is XX/XX/XXXX and which they said they do not remove late payments in which Nelnet told me that they do. Then the department of education goes to tell me that all of my loans are consolidated with XXXX which i did not know because i was not informed on anything. The only thing i want is that all of my late payments from each credit bureau to be removed because from what i understood my loans are current. i feel like they are giving me the run around and i was not informed what was goes on about my account because they had the wrong information on me was not contacted. as of right now i have all the loans in a income based repayment and i guess consoliated too. Those late payments are stopping me from getting a house messing up my credit.
Company Response: Closed with explanation

Timely Response

2017-11-27

South Florida, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: Interest charges are being charged in advance. Specifically, interest charges are compounded daily ; however, every Friday the interest charges that would accrue the following Saturday and Sunday are being added to the principal balance each Friday. Additionally, I have seen several instances where the interest for the preceding days was added on a previous weekday that was not a Friday, so that interest was calculated and added in advance, rather than on the actual day in which it would have accrued. As a side note, the interest is adjusted on the following Monday ; however, this unscrupulous practice has likely caused numerous borrowers to incur additional interest and possibly affected the payoff amounts of their loans. I have a spreadsheet with which I use to keep track of my daily interest, payments, etc. for all of my loans and the spreadsheet consistently and accurately tracks all of my loans, interest, compound interest etc., except for this specific loan with Nelnet, due to Nelnet " padding its tab '' without explanation or cause. I have attached both spreadsheets. The first shows the additional {$19.00} added to the balance on the previous Friday and the second spreadsheet shows the adjustment made the following week.
Company Response: Closed with explanation

Timely Response

2017-11-27

Orion Twp, MI

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: XXXX XXXX XXXX has refused to correct the incorrect data they put in my Credit Reports due to their sloppy record keeping. My loans have been paid off since XX/XX/2007, yet they are reporting my account as late. I have tried to get this issue resolved with NELNET for months now, and so far, they have been useless in resolving and or fixing their own mess. I am reaching out to you for your help.
Company Response: Closed with explanation

Timely Response

2017-11-27

Mia Shores, FL

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

2017-11-27

WA

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: I have had a loan with Nelnet for many years. I had a hardship deferment when I left school due to a family emergency. In 2015 my loan went into forbearance. I renewed the forbearance several times. Each time upon applying for the forbearance they had done an adminstrative forbearance bringing my account current and late payments forgiven. The last time they did not do this even though I was told they would do so like they always had. I now have two late payments on my credit report due to this oversight, the two loans I have through them made it four total. This is the only delinquency I have to my name and am feeling the reprocussions. Some then, I 'm no longer in forbearance and have been making timely monthly payments to pay back this debt.
Company Response: Closed with explanation

Timely Response