Consumer complaint received 2022-08-26
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have continuously been running into issues with Nelnet since the first time I received a bill while I was still completing courses ( around end of XXXX or beginning XXXX ). I informed them I was still in school and taking courses when they began hounding me. I had school officials contact Nelnet ; meanwhile Nelnet still continued fighting with me about repaying my loans. Again, I advised them that I am still completing courses, and that payments/sending bills should not occur until six-months following graduation. 
During my final semester, yet again, I am harassed by Nelnet while I am trying to complete my final semester in XXXX XXXX. Both myself and the University contacted Nelnet to square away issues, only temporarily ceased before the harassment began again. I completed a forbearance request to get them off my back, the six months grace period had not even begun I don't think. 

Then the Coronavirus Pandemic started, and I received documentation of the Government pause ( still in effect to date ), Nelnet still proceeded with billing and claimed I had private loans. I have explained several ways to Nelnet that all of my loans are Federal Student Loans, all completed within each college or university 's financial aid department or FAFSA. I have never elected for any private loans and never applied for anything contrary to US Government owned loans, I also have never refinanced any loans with a private lender or otherwise, so if this were to be the case there is some mistake, which needs correction. Over and over again I repeat this, and it falls on deaf ears! Please help me get to the bottom of correcting this, or I will have to seek legal action. 

Lastly, I must also add that I have had numerous setbacks since in school, ongoing thereafter. I have had several family members pass away within a relatively short period of time, plus my health has been failing and I have been unable to work and have been amassing growing medical debt for which I can only make minimum payments to cover, so my credit is everything. Although I can barely afford just the minimum payments, I pay all of my bills on time. What I do not need is false reports to credit bureaus reporting late or missed payments when I should note be getting billed ; not only is the payments and all interest still suspended until " now '' end of this year ( XX/XX/XXXX ), but I have also filed numerous forbearance requests and gotten approval through XX/XX/XXXX, so again, I do not understand the constant predatory harassment, conflicting statements, constant barrage of emails, phone calls, mailed correspondences etc ..... I am making no money, and I can not give money out of no money at all, and should what remaining credit I have be placed in jeopardy whereas I am left without any credit lines to pay for out-of-pocket medical expenses and dally needs, it will be further evident that Nelnets actions are in deliberate spite and carelessness with the intent to cause me the greatest amount of harm, including the inevitable, which without the means to even cover out-of-pocket expenses for medical needs and basic necessities, no one can survive ; it will be made clear that any false reporting of late, missed, delinquencies or defaults of any kind, which would hurt my creditworthiness when I have already been in contact with Nelnet to fix the errors they have and set the records straight with regards to the fact that I should only have Federal / U.S. Government owned student loans and nothing else to the contrary. Continuation of the same behavior repeatedly is blatant harassment and a threat to limit my lifespan or eliminate me altogether which will also not bring them any closer to making payments I am in no position of health to afford to do. I am essentially disabled and in need of round-the-clock care by my husband who is my XXXX XXXX XXXX 

Nelnet continuous harassment has caused and is continuing to cause me a great deal of mental distress, which is further aggravating numerous XXXX XXXX for which I am under the care of several doctors as well as specialists in various fields of medicine. I can not handle any of this, and I have made this abundantly clear to Nelnet on numerous occasions. As Nelnet continues to further jeopardize my health and well-being, I want it on the record, that as a result of all of this stress and harassment, I believe Nelnet is intentionally trying to harm me personally, and any further decline in the status/condition of my health, I directly blame Nelnet for causing, and therefore the impact for which has already been detrimental to me ( unsure to what extent this far ) I will be sure that someone assigns a value to my declining health throughout the period of time that this has begun and continues. Nelnet has been asked to stop calling me and only contact me via email or via Postal Mail. This they/Nelnet has also failed to comply with my written requests.

Company response to consumer: Closed with explanation