27.12.14

FSAO Again has no resolution

The FSAO actually responded with an entire minute to spare before the close of business on the 23rd of December. However, it was stating that they continue to have no idea what they are doing, and requesting a further extension to January 6th, 2015:

Thank you for contacting the Federal Student Aid Ombudsman Group.  [employee] is researching your concerns regarding the change in your monthly payment amount.

[employee] contacted your Department of Education loan servicer, Nelnet (ED-Nelnet) to discuss the changes to your monthly payment amount.  According to ED-Nelnet the payment change was made to realign your accounts to ensure the loans are paid off in the remainder of your 10-year loan period due to a lapse in days during the payment cycle (extra days).  [employee] has requested additional documentation (payment histories) to review exact dates the payments were posted.

We will send you an e-mail update on the status of your case not later than close of business, January 6, 2015.

--

My noticeable problem, is not only does the FSAO fail to provide dates of previous communication, but the FSAO seems to not even be able to review their own records:

I suggest you take a look at my previous complaint to which I received, multiple times, guarantees that NelNet's unilateral change in due dates would not cause this exact issue.

Also, I had my due dates nearly split down the middle of my 11 loans. Why then, would all but one of the remaining 8 have adjustments instead of no more than 6, should I have miraculously only paid off those that had a later original due date?

Next question that needs to be resolved, is why has it taken NelNet and the FSAOmbudsman months, hours of time, numerous phone calls, and over 2,000 communication attempts, to give a straight answer?

All-in-all, NelNet as a Student Loan servicer, is akin to the IRS, being a collections agency for the USA Gov't. This means their inability to give straight answers, provide data in a timely manner, and answer questions in a non-drawn out timeline is fraud, and wasteful government spending.

I request the immediate return to my amortized amounts for payments due, and that NelNet submit all of their records for audit as they, being a large for-profit company, would surely not have limited this fraud to my account alone.

Be sure to include these communications in your report for [the Senator]'s office, as I have been sure to keep all communication regarding this issue, and have either already forwarded, or have prepared to forward.

19.12.14

Extension requested from FSAO

After continued lack of contact from the FSA Ombudsman group, I enabled portion two of the twitter automation I had created for NelNet. I began again, the automated sending of emails through their website as well.

After 552 emails to the FSAO, and an unknown number of tweets with #FSAOmbudsmanFail as the identifier, and #NelnetFraud being sent out as well, at 15:20 CST I received another email from the Manager at the Ombudsman group. She stated that she had attempted to call me, but as the number I provide has no record of her leaving a message, I can only count her claim as false.

She then stated:
"We will send you an e-mail update on the status of your case not later than close of business, December 23, 2014."

Me retort to this email requesting a reprieve was;
"I have received no phone messages from you, and have specifically requested email communications previously.

I have also not heard by the previously declared 48 hours from December 16, 2014 at 12:29 CST from your representative.

I would prefer more assurance, than requesting extensions, as this has been an outstanding issue for months, and the communication from the Ombudsman group has been almost non-existent."


I have a feeling that they are only asking for this reprieve to give them until their department takes a break for the end of the year, or potentially Christian-American Holydays.

I am currently debating whether to give this reprieve, and strongly considering only giving the reprieve for the automated emails to the FSAO, but not on the twitter.

16.12.14

Learned about the Twitter

First, twitter has banned some email addresses. Thus, when using Fake Name Generator, you can't necessarily use their default ones. Another good case for 10 Minute Mail. I went from 377 possible accounts to 74 because of that.

Also, you get varied sign up forms, but I didn't not consistency based on perceived region, as I was routing through a new proxy each time.

However, you do get 40 suggested followings, which are easier to follow, than to not, unless you use the javascript console:
var cancel = document.getElementsByClassName("btn-close"); for(var i=0; i
That makes it pretty easy.

Then, there are bots that will automatically start following you as soon as you have a new account. I didn't see them start sending anything, but I did see several followers magically appear after only a couple minutes.

Ombudsman is sadly ineffective

After an official inquiry from Senator Jerry Moran, and another 1,609 automated emails being sent through their online form, the Ombudsman finally contacted me back after my last 410(ish) automated emails had them at least call NelNet.

However, I did take the time to learn more about CasperJS and SlimerJS.

Found out that SlimerJS doesn't properly take their proxy flag in Windoze. Had to go with -proxy-type [type] -proxy [address]:[port] instead of the standard --flag=value. Once that was sorted, I did see that traffic was now being routed through my proxy instead of my regular computer.

Also, I found that twitter does have some good security features against automated account creation. Making you have to have a certain time between using the same IP to create an account, as well as, multiple sign up processes, to prevent a simple script. As I was planning phase two, being to flood their twitter feed with tweets about how NelNet commits fraud, and the FSAOmbudsman is complacent even after several inquiries by myself, the CSFB, and the White House, but with several other gov't bodies being too lazy to investigate.

Things you learn about social media when you don't use social media.

However, I have put on hold my squeaky wheel campaign for now, but am only giving them Ombudsman their requested 48 hours of reprieve before commencing again.