Consumer complaint received 2019-06-27
Company: National Enterprise Systems, Inc.
State: VT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
This letter is in regards to a complaint against National Enterprise System for a XXXX   Private Student Loan with a Cosigner purchased by National Enterprise System. First and foremost the statute of limitations on this loan has run its course. Loan Amount approximately {$7000.00} Borrowers payments. Borrower has paid over approximately {$3000.00} while principle continues to rise. Initial grievance is with XXXX and National Enterprise System and how loan servicer mishandled against borrower 's best interest using the money paid down towards interest rather than principal balance of loan. During the lawsuit scare XXXX, fully aware of my accounts mishandling and fraudulent behavior, sold the loan to National Enterprise Systems with little to no accurate information on the loan in question. Lender suggested borrower use forbearance to pause monthly payments which racked up crippling additional debt instead of giving a better option like income-driven repayment plan. They intentionally made it very difficult for the borrower to understand and apply for approval for a co-signer. In fact allowing the borrower to finish transaction without cosigner present. An absolute burden that was wrongfully forced on us. These statements have been clearly and verbally stated several times to each loan servicer. Major Immediate Grievance : Severe and Total Harassment of Cosigner by National Enterprise System to the point where cosigner suffered an XXXX   XXXX on XX/XX/XXXX due to the Stress from harassment and fraud in signing and taking this loan. ( Document included ) She is suffering from major illness from this loan and the Loan Servicer continue to harass and call at work, and have called repeatedly and continuously. They have called at times when they knew they should not call ( late hours or during a doctors appointment ). They have repeatedly called work even though she has explicitly stated that her employer does NOT approve of these calls and that she is not responsible for the intentional fraudulent National Enterprise System 's from the inception of this loan. Due to this severe harassment and incessant nagging, I am concerned for health and well being! All the calls were recorded on National Enterprise Systems part and show how she is completely distraught, XXXX XXXX, and having a XXXX XXXX on the phone. The doctors have stated that her attacks are due to the stress from the burden of this loan and the harassment that she has been enduring. The financial information National Enterprise System claims to have is not valid. She has not been able to receive the imperative medical care she needs to survive because National Enterprise System has stated that the money on her credit card needs to be used to pay this student loan. And now after the XXXX the doctors are insisting she seek the help she needs ASAP. NATURE OF THE LOAN : ( FRAUD ) Cosigner has not been released despite several requests and attempts. XXXX has intentionally made it impossible to receive proper information on approval for a co-signer release. Financial and Medical situation of Student : 1. XXXX for 2 years 2. Credit Card Debt 3. XXXX/on assistance 4.  XXXX affected by fraud and discrimination Financial and Medical Situation of Cosigner : 1. Suffered a XXXX XX/XX/XXXX due to harassment about this loan and a XXXX XXXX on XX/XX/XXXX, delaying proper medical care due to payment of this loan 2. Credit card Debt 3.  {$35000.00} Medical Bills left from terrible divorce, family member.. The copy of the original contract presented was illegible and invalid. This loan should not have been given to this student without the presence of the cosigner. The loan was unlawfully sold to National Enterprise System by XXXX. Furthermore, the statute of limitations on this loan has passed. By not working with us, by harassing us when we are picking up and talking to you created an unhealthy and permanently disabling situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation