Consumer complaint received 2017-02-09
Company: Nelnet, Inc.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am a XXXX person suffering from both XXXX. When I first became unable to work because of my XXXX I agreed XXXX applying for a economic deferment with my loan company Nelnet. I apologize but because of my XXXX status I am not sure whether or not this is a Perkins or a private loan company I believe that is possible that I had taken out both but my XXXX has deteriorated greatly since I was in school. I literally have XXXX + emails where I have been trying to resolve this matter I have submitted the forms that were requested of me over 50 times. I contacted my school rhode island college to try to get help but they refused saying it was all nelnet. I even have emails from Nelnet where they agree that they received the documentation and agreed to process it. They are playing games with me when I submit the economic deferment they write me back letter saying that they are denying me a XXXX forgiveness. There was one time at the very beginning of when I was pulling in these applications that I had applied for a XXXX forgiveness not realizing that I was not eligible by the guidelines. That was one time over two years ago since then I have only sent in the application for economic deferment but I still continue to get told that I am not eligible for the XXXX forgiveness. I tried to contact the Better Business Bureau to get this resolved about a year ago and now that refuse to answer any of their contact So eventually they told me there was nothing they could do because the company was not cooperating. A few months after that I contacted the Rhode Island XXXX office for help and was hooked up with a woman XXXX XXXX. Back in XXXX of 2016 XXXX was able to speak with somebody at Nelnet on my behalf they once again claimed that they had never gotten the application and I was told to resubmit it and everything would be resolved. I did just that sending in the economic deferment and supporting documentation for the 75th time but it did not make any difference. The few times I have been able to reach a associate by the phone I have been giving incorrect information at XXXX point I was told that my deferment had been granted about 3 weeks ago I was told that once again no one had to receive that documentation and that as long as I sent it in before XXXX there would be no issue with a bill. However only two days after speaking with this AssociateXXXX I got a letter in the mail saying that my account was 153 days past due and I was going to be reported to a credit agency. It has been commonplace for me to get XXXX response from a person on the phone and then a few days later get a bill or notice that totally contradicts what I was told. Most recently I was able to get ahold of XXXX XXXX again and she had called into Nelnet and was told that I had applied for a XXXX deferment and had neglected to send in the doctor paperwork which is not the case at all I even have emails where I write out an all-caps I applied for an economic deferment I am not applying for a XXXX forgiveness. I have at least XXXX emails that state this yet when she calls they give her a story to make it look like Im the one not doing what im suppose to. In my current state I can not make heads or tails over what is going on anymore and I am scared that my XXXX check will be attached to this student loan even though I have done everything that I am supposed to do in the amount of time that I was supposed to do it. I am not kidding when I tell you I have over XXXX emails going back and forth trying to resolve this matter. It doesnt seem like the senators office is really helping much at all in this matter and Im very much scared now for my credit any XXXX income i might get will be taken from me.

Company response to consumer: Closed with explanation