Consumer complaint received 2022-07-15
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried to dispute the validity of this debt since XXXX due to Nelnet garnishing my wages which was a surprise and embarrassing. ( bills attached ) Nelnet and everyone refused to provide any paperwork for the last decade + regarding payments, interest, etc. I had to push for years to get anything. The Nelnet bills only had a current balance. The amount due was {$0.00}. Countless emails and phone calls followed. ( XXXX ). The original debt was taken out in the late XXXX ( almost 25 years ago ) and was paid back about XXXX. I had no receipt for proof due to the age of the debt, over a decade. During that time, I was never contacted by any of the 9 plus debt agencies that took on the loan. This loan generated much interest, far more than I originally owed. During the years of unknown growing interest, I received no phone calls, no emails, and no letters from any one of the collection agencies regarding this ever-increasing debt. 
1. Now the complaint and the proof. The Department of Education knowingly denied and prevented me from getting my loan out of default so I can apply for borrower defense to repayment. Instead of applying in time for the lawsuit ( XXXX v. XXXX ) to omit the debt in full, they screwed me over again and kept me from applying. I was late by about 9 days since I applied on XX/XX/XXXX. I didnt know about the lawsuit, or I would have applied default or not. When I tried to apply, I could not email, fax, or use the online form. I had to pay {$21.00} to send it by certified mail. The Dept. of Ed website stated that I could not apply due to the statute of limitations. Then when I bypassed that deterrent, not knowing I could, the total limit on the data upload was XXXX. I had 20 years of data, and that would not work. The fax did not work, and the email bounced back saying that my email would not be read. ( attached ) 2. The Dept. of Ed also didnt want me to succeed in lower payments due to the for-profit school I went to. I sent a CFPB complaint about the Department of Education NOT processing my rehabilitation program ( XXXX File Number XXXX ). They sent me an empty promise email saying they would investigate the issue and nothing more. This was yet another correspondence that meant nothing and will do nothing for me. I sent in the data more than once over 6 months. In all but one case, I sent all as certified mail ( attached ), so I would know if they received the information. One information packet I sent on XX/XX/XXXX without a certified mail receipt attached they denied receiving. The proper rehabilitation program would have kept my payments low due to my medical bills, sick spouse, and the cost of general living. From XX/XX/XXXX to XX/XX/XXXX, the Dept of Ed refused to process my information in time, plus I couldnt speak with anyone that processes this information. Finally, the Department of Education told me on XX/XX/XXXX that I would have to send everything over again since all of my data had expired over the 90-day acceptable period. Every government form, every receipt, everything hadnt been looked at. It took weeks to get everything together in the first place. So just to get out of default, I was forced to send in my 1040, and they processed that very quickly ( about 2 weeks ) and sent me a payment plan I can not pay going forward. 
a. I have attached the certified mail receipts and the other screenshots regarding this complaint. 
b. Also attached is the BORROWER DEFENSE TO REPAYMENT APPLICATION plus documents. I have not received a signed certified mail back, and it has been 2 weeks already. I want to ensure that the Department of Ed does not say they never received this packet dated XX/XX/XXXX.

Company response to consumer: Closed with explanation