Consumer complaint received 2016-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I have a Student Loan that upon becoming XXXX I had to resign from my job as a XXXX in XXXX. I have since been in contact with the company that my loan had been transferred to called NelNet after as well as during my employment. I informed them thoroughly and provided them the information they requested of me in order to apply for the programs they offered which were only either a forbearance or deferment ... despite me telling them from at least XXXX through the present that I had resigned due to my health, they mentioned nothing related to XXXX or XXXX until later, in which I sent them additional information to verify I had finally been approved for my XXXX benefits in XXXX, and thereafter in which they are now telling me I have never submitted anything ( because they can not locate anything regarding that in their history of records there - even though it should all be there because I know for a fact I did send things in to verify my status all along the way. Most currently would be the completed application that my doctor and I filled out in XXXX which I also faxed in to them that they told me they received but are now saying they do n't have it or any of my award letters, etc. 
That 's what I am just finding out, because in XXXX ... I also had to file a Chapter XXXX BK and I included NelNet in my list of creditors as well, since they declined to give me a total and permanent discharge all times prior with all the information they had received. My BK was discharged, but NelNet is still insisting they were not included to be discharged & have been essentially asking for the same information I have already provided them that has been and still is in reference to what they now claim is not in their file - now wanting me to repeat the process for XXXX - & /or - Send them proof of my XXXX ( award Letter ) - & /or a statement from an SSA form called a XXXX that NOBODY from there has ever mentioned to me before which will confirm whether I am declared as XXXX or not. They now say in informing me recently that it will go by XXXX 's 5 - or 7 year XXXX update review, in which by record I was declared as XXXX and approved for benefits in XXXX XXXX, - & had my first XXXX Update review in XXXX XXXX in which I provided the information SSA requested of me along with a list of my known conditions & Doctors Contact info, etc. - & they responded XXXX XXXX telling me that they would not be contacting my doctor at that time & would keep the information I gave them. Although I do not have a XXXX form, - that is all SSA has given me so far to this date ( which is an update given 5 years ( not 3 or less ) from my date of approval- XXXX/XXXX/XXXX ). SSA has not contacted me since then for another update or additional information. The 5 year update was in XXXX from XXXX, and this is now XXXX, approx. 3 years later which makes it 8 yrs since I was approved, not 5 or 7 or less. 
BUT- since NelNet claimed they were n't included on my BK discharge ( XXXX ) & has gotten rid of all the XXXX documents I submitted prior to ever filing BK - to request defer, forbearance and XXXX - and also wo n't forgive the debt through the fact I also was a former XXXX, - I have found that they consistently re-aged the debt from the date of my delinquency/ last payment made ( approx.XXXX ) and reported it to the Credit Agencies beyond the 7 years - & now re-aged it again and transferred it in XXXX XXXX to a company called XXXX who listed me owing now in XXXX XXXX over {$42.00}, XXXX and climbing - from NelNets amount at the time of their transfer in XXXX XXXX as approx. {$32000.00} - last payment made according to NelNet XXXX XXXX . Is this fair debt collecting practices and reporting?

Company response to consumer: Closed with explanation