Consumer complaint received 2019-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet states I have to repay almost $ 40K of student loans through the department of education. I have proof that I submitted to them all documentation under their requirements for a full forgiveness of any/all student loans both private and federal due to a medical issue ( s ) I have for full XXXX  forgiveness. The department of education for my federal student loans have already been forgiven and in XX/XX/XXXX I filed a 1099 c on my taxes representing my full permanent release for any/all loans. Nelnet still states I owe them and state that I never gave them my income paperwork in order to finish the process ; this is not true ; they have received a copy of my tax statements every year since roughly XX/XX/XXXX when I began college. An agent from Nelnet stated to me that I should have gotten the full permanent release of financial responsibility in XX/XX/XXXX but unfortunately " they '' lost my paperwork!!!! Now they want me to go back through their entire 3-5 year process to forgive my loans due to a medical issue again because they didn't keep track of their paperwork which would have solidified the permanent release of my private loans!!!!! The agent on the phone I spoke with today XX/XX/XXXX literally told me that my loans had been 100 % forgiven up until XX/XX/XXXX when they never received my paperwork - this is humorous to me because I sent my paperwork including my tax documents through my tax service electronically and via USPS and I made sure Nelnet had to sign for it so that they couldn't say they never received it!!! In fact I did that every time I sent them correspondence other than by phone of course ) The Department of Education has already forgiven my student loans and Nelnet should have to do the same!!! The XXXX should be forgiven and erased off of my credit and I should also be given an apology for the stress they have dragged me through. I have done my part every step of the way and have jumped through all of their hoops ; gone to countless doctor appointments, filled out a ton of paperwork over the years and now that they have screwed up, I'm supposed to pay what I don't owe?!?!?!? I don't think so. If they don't erase the XXXX  then we can go to court where I can show proof of everything I have which states in XX/XX/XXXX the department of education including Nelnet forgave all of my loans, both federal and private! I should not have to go through their process of reapplying for their XXXX XXXX XXXX XXXX program ; I went through it once and will not do it again! They keep sending me correspondence saying they are going to garnish my wages which should never happen considering I have proof from them saying I have been relinquished of all student loans, both private and federal. At the very least if the federal government through the Department of Education forgave my federal loans that should be required to apply to my private student loans ; which I shouldn't even have to add here being I have the letters that prove they all have been forever discharged!

Company response to consumer: Closed with explanation