Consumer complaint received 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have repeatedly filed complaints with the CFPB and spoke last to " XXXX '' who said he would not close my complaint and it is AGAIN closed. I have filed over 7 complaints against NELNET for gross incompetence, illegal practices, not enrolling me in SAVE, not basing my payment on my AGI and 10 % of my discretionary income and pulling me illegally out of administrative forbearance when they are supposed to keep me in it until they enroll me in SAVE program. They NEVER answer their phone, they have no way to " reply to a message '' in my Nelnet account inbox and there is not way to " send a message '' in my inbox either. I emailed them AGAIN using their " email us form ''. I am begging CFPB to report Nelnet again to the federal government for illegal behavior. THEY HAVE NOT ENROLLED ME IN THE SAVE PROGRAM FOR MONTHS. They have illegally been charging me interest while in administrative forbearance, they keep asking me for the same information over and over despite my having provided it. 

I work for one employer. XXXX XXXX XXXX XXXX. 
I get paid twice a month over 12 months. 

sent this email to Nelnet just now : You refuse to process my SAVE application and this has been ongoing since XX/XX/XXXX. I have reported you to the federal government, filed numerous complaints with the Consumer Financial Protection Bureau and with the Ombudsman. I am a person with a XXXX. 

You keep charging me illegally and have illegally taken me out of administrative forbearance starting XX/XX/XXXX. This is illegal, as you still have not put me in the SAVE program, so I am supposed to be in administrative forbearance until you place me in the SAVE program. 

According to federal law, you have to put me in the SAVE program as I qualify for it and you have not. Also according to federal law, you can not charge me more than my AGI and my AGI for the year XXXX was {$68000.00} and the federal government said my payment is supposed to be {$190.00} dollars under SAVE. 

I demand you immediately place me back in administrative forbearance until you place me in the SAVE program and charge me the 10 % of my discretionary income based on my AGI of {$68000.00}. I have uploaded paystubs repeatedly showing you I get paid twice monthly over 12 months. You continue to ask me for my pay frequency despite this. 

I am going to get a lawyer and sue your for fraud and illegal activities if you do not immediately place me in the SAVE program I qualify for. I have notified 4 federal agencies and Congress over this and as a person with a XXXX, you are stressing me out and worsening it. I will also join the class-action lawsuit for your negligence to use the information that I have provided to you to enroll me in SAVE. 

There is no place in my account when I am logged in to send a message, nor to reply to one sent to me on Nelnet. I demand you place the ability to respond to and send messages on Nelnet on my account. 

Again, it is illegal under FEDERAL LAW to charge me more than 10 % of my discretionary income based on my AGI for SAVE PROGRAM. 

Action requested : IMMEDIATE RELIEF REQUESTED : Put me back in administrative forbearance until you enroll me in SAVE.

Process my SAVE application and enroll me in SAVE. 
Stop asking me for " employer XXXX '' when I have XXXX employer, XXXX XXXX XXXX XXXX. 
Do not even attempt to do ANYTHING to my credit report or I will sue you and call a press conference as this is illegal. If you even try to even say I am delinquent on my payments when I am supposed to be in administrative forbearance while you enroll me in SAVE, I will sue you. 
Stop charging me interest as this is illegal while I am in, and have been in, administrative forbearance due to Nelnet illegally not enrolling me in SAVE. 

All of this communication has been sent to Consumer Financial Protection Bureau as evidence you have so been told what actions I demand you take and the consequences if you continue to illegally charge me over 10 % of my discretionary income under SAVE. ENROLL ME IN SAVE NOW. Send me the bill for {$190.00} and stop asking me for employer XXXX as I have only XXXX employer and stop asking me the frequency of my pay as I have provided check stubs repeatedly showing I get paid twice a month over 12 months as a teacher. 

I will not even begin to work on this year 's recertification until they process my application from XX/XX/XXXX, place me in SAVE and send me a bill for the {$190.00} I am legally supposed to be charged. 

DO NOT CLOSE THIS COMPLAINT NO MATTER WHAT NELNET REPLIES UNLESS THEY ENROLL ME IN SAVE and charge me the {$190.00} the federal government says I owe. 

Nelnet can not legally charge me whatever they want. They have to charge me 10 % of my discretionary income based upon my AGI which is {$68000.00} for XXXX. They are sending me a bill for 25 % of my take home pay. This is illegal. I can not afford to pay 25 % of my net income for a student loan payment. I have uploaded numerous documents to prove Nelnet has NEVER enrolled me in the SAVE program I qualify for, they have never properly nor legally processed the documents I uploaded as proof I get paid twice a month over 12 months and they are charging me illegally 25 % of my net income I can not afford. They never have enrolled me in SAVE which is illegal.

Company response to consumer: Closed with explanation