Nelnet

So, as was necessary to apply for a specific income-driven repayment (IDR) plan with regards to my student loans, I was compelled to reconsolidate my loans as my prior servicer, Navient, is not part of the program any longer. As i was forced to make this change, I had selected Nelnet with the view that no one could be as bad as Navient.

WRONG! They are every bit as sleazy and totally incompetent as Navient. When a loan consolidation AND IDR applications are submitted simultaneously, how is it that the consolidation gets processed but the IDR application gets "lost"? Federal Student Aid's website acknowledges both applications were submitted, but Nelnet cannot find the IDR.

In truth, I doubt they can figure out how to use toilet paper. Making it worse, while Nelnet has acknowledged the funding of the new consolidated loans, Federal Student Aid shows I owe BOTH Navient AND Nelnet. My outstanding student loans have now doubled in this process. I went from about $15,450 to $30,900.

Obviously, it appears to be an accounting problem. However, this has been the case for weeks now. And Nelnet still claims there is no IDR application. When calling their so-called customer service number, you get the entire American industry standard message of ""we are having higher than normal call volumes." How in the heck does every single American company have "higher than normal call volumes" every single time you call any of them?

Anyway, their automated voice then told me to call back during normal business hours. For Thursdays, their own website says that the call center is open until 6PM EDT. I called at a 2:30 PM PDT. For those who don't know, there is a precisely 3 hour different between eastern daylight time and pacific daylight time.

Thus, I had called them at 5:30 PM EDT and their system told me to call back during normal business hours. So lets summarize:
1 - Lied about existence of IDR application,
2 - Failed to ensure full closeout of previous loans,
3 - Lied about hours of operation, and
4 - Illegally demanding payment that is not owed due to the IDR.
If I had to give a "pro statements":
1 - excellent at being impossible to work with, and
2 - maintain the industry standard of being chronic liars!

I've never spoken to a single person at this company, and I've called at least once a week for the last 4 months since my loans got transferred. I call and get put on hold, and during my 2-hour commute, I've never been able to talk to a single person.

It's part of my Monday morning commute and I always try in the afternoon as well with neither getting through to anyone. I've wanted to ask questions and see if modifications can happen. I'm trying to figure out why they pulled out two payments, and I wonder if legal action is the next step.

Furthermore, I've never had this with my two other student loan providers. The website circles back to the same 3 pages with no information and a phone number that I keep calling with not an ounce of success.

I uploaded my IRB and letter seeking to be granted relief for the current year since I am out of work. The work I do get just pays bills to keep living like food, housing, and health and NOT their out of touch payment.

I uploaded docs on July 12th 2022, which this is a 2-week advance notice of seeking an IRB. Today I had received a past payment due in an email. I looked on my account and there is NO record of my upload. I called them and the rep noted she too cannot see any docs.

I mentioned then it MUST be a technical issue and I had uploaded them again. So, I did this 6 times to make sure they received the July 12th letter and app. She gave me an email address to submit the docs which I did. She then gave me 2 options for grace which were both "forbearance" and get penalized for this in adding more interest to the account.

I blew my cool as in I told her I see Nelnet is playing the same game that Navient did where they got brought to court in a class action suit and sued them. They are no longer Navient, but a new name. They said I did not send and placed me on a forbearance and KEPT me on it and did not review my letter for months. I was outraged and finally got a human who had some brains.

Now I am dealing with the same occurrence, but with Nelnet. I chose neither forbearance and I AM NOT playing their game. It is on their IT to fix and for someone to review ASAP and she said well it won't be ASAP.

I will send more emails to ensure they get the docs for my request and I told her how can you get blood out of rock, it is not possible, so how can you send me a bill when I and not working to support their monthly payment let alone to get by? I began the email "Do I need to hire a lawyer"?Don't take out studnet loans through the government.