Consumer complaint received 2018-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Enterprise Systems, Inc.
State: MD

Complaint narrative:
I have been paying regularly every month to try to rid myself of this predatory loan for YEARS. XXXX XXXX passed MY loan onto this criminal enterprise called NES and NES continues to find a way to INCREASE the balance of the loan despite receiving {$3500.00} worth of payments from me in XXXX alone. I even paid twice one month on this loan and the balance of the loan has gone UP. This collection agency National Enterprise Systems has not explained how this is possible. They have NO signature from me agreeing to any new loan terms that would cause the balance to go up. 
On XX/XX/XXXX, I checked the balance of this loan ( document attached ). I CONTINUED MAKING payments. I made {$530.00} in payments in XXXX alone. - after getting over {$500.00} from me in addition to the regular {$330.00} I've paid each month, the loan balance INCREASED by more than {$150.00}. 
There is no way this can even be legal. I have been PAYING THIS LOAN. {$330.00} per month for YEARS. And the balance continues to CLIMB. I have pleaded with your office for assistance. Please note I graduated in XXXX and this loan is 23 YEARS OLD. Despite my efforts to pay and get this burden off my back, the balance NEVER goes down. NES continue to lie with NO EVIDENCE showing I agreed to ANYTHING and NO evidence showing they explained ANYTHING about how they can add to this loan despite GETTING PAID and despite me not agreeing to borrow ONE additional penny. I was advised by phone that the amount I needed to pay to get the principal balance to go down was {$330.00} per month. Every time in the past I has ASKED NES to please review the TAPES of my phone calls, they lie and say there are none even though their voice recording on the phone SAYS they record the calls. 
CAN YOU PLEASE HELP ME!? I am being ROBBED and no one who is able to assist will even bother! They HAVE NO legal standing to keep ADDING TO THE BALANCE when I am DOING WHAT THEY TOLD ME TO DO TO LOWER IT and they have NO signature from me agreeing to anything different. 
I have contacted the MD State Atty General 's Office to request that suit be filed because XXXX XXXX LIED about the terms of this loan and they are pretending to not have recordings of the calls where their representives LIED about the terms of the forebearances and LIED about the interest and failed to present all possible options for loan repayment. Mr XXXX XXXX, the atty general is too busy trying to become famous for fighting w/ the president over immigration to take action even as other states such as Pennsylvania and Ohio and have had much success in class action suits against NES and XXXX and other predatory loan sharks. And now I've been passed around to this collections agency who keeps RAISING THE BALANCE OF THIS LOAN DESPITE GETTING PAID and has not given me a single word of information about how they can legally do that. NO ONE WILL HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation