Consumer complaint received 2016-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Enterprise Systems, Inc. (IN)

I am the co-signer on XXXX loans with my daughter totaling {$32000.00}. My daughter was attending XXXX XXXX in Ohio from XXXX. Another loan for {$12000.00} was financed through XXXX XXXX XXXX XXXX, NY bringing the total amount owed to {$44000.00}. This is when she attended XXXX University XXXX XXXX XXXX from, XXXX. I began repaying these loans in XXXX after her graduation at the rate of approximately $ XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 
In XXXX I filed bankruptcy with a law firm that unfortunately mishandled my case by never confirming it, thus causing the case to be dismissed in XXXX XXXX with no creditors having been paid for a year. XXXX had discharged the loans by XXXX and referred them to National Enterprise Systems ( NES ) XXXX XXXX XXXX, XXXX OH XXXX. Their number is XXXX. NES notified me in XXXX XXXX of the total amount due as {$44000.00} irregardless of previous payments to XXXX. NES requested an immediate payment of {$1200.00} with subsequent monthly payments of {$100.00} through XXXX XXXX. Since that time I have been switched by NES to XXXX other collection agencies without warning and no notice of payment balances for all XXXX loans. NES says the loans were referred to them on behalf of XXXX XXXX XXXX ( no address ) only the phone number of XXXX. A voice message usually comes on asking caller to leave only name and phone number, but calls are never returned. I faithfully continued to pay {$100.00} per month every month until XXXX loan was switched XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX, Phone # XXXX or XXXX. I contacted XXXX who returned that account back to NES in XXXX XXXX. The problem was the original amount of {$12000.00} had been raised to {$19000.00}. I could that be if, I had been paying since XXXX? I can obtain proof of all payments. 
IN XXXX XXXX, I increased my payment to NES from {$100.00} per month to {$300.00} per month to cover the following acct # s provided by with following distribution. Payments were {$50.00} for XXXX accts and XXXX for {$100.00} for a total of {$300.00} per month paid faithfully. XXXX account agreement was through XXXX per correspondence from NES dated XXXX/XXXX/XXXX. In between that time the accounts were arbitrarily pulled ( with no reason given ) 3 times and sent to other collection agencies ... then returned to NES. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX, Ph # XXXX XXXX. {$37000.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ph # XXXX Amt. {$18000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, Ph # XXXX. On Saturday, XXXX/XXXX/XXXX, I received notice again that XXXX of loans and been pulled and given to XXXX, XXXX, and XXXX. I called NES Monday and the rep initially said he had no record of my accounts. WHAT!? The XXXX XXXX was all applied to XXXX account. 
Then was told to call rep XXXX XXXX back at XXXX at ext XXXX. First rep did say NES only had XXXX account there now and my full XXXX {$300.00} payment had been applied to that XXXX account. WHAT!? I called back then message indicated her unavailability. I left message ... called never returned. I contacted a rep at XXXX ( XXXX ) who again transferred me to XXXX XXXX at NES who said she could give no explanation as to why the accounts had been moved and why I had not been notified. Those XXXX accounts had been moved in XXXX! WHAT!? Why are my accounts being consistantly moved without my knowledge when I have paid regularly since XXXX? Why have n't my balances decreased? How can NES do this without notification or explanation? It seems all of my payments have been for nought and I have been thoroughly taken advantage of. I write the account payments on the check each month, but evidently ignored by NES. This is a convoluded mess!