Consumer complaint received 2024-04-03
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Nelnet, Inc. (AR)

Received numerous calls and emails from Nelnet on the following dates : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Included here are the exact email verbatim : From Myself to Nelnet ( XX/XX/XXXX, XXXXXXXX XXXX ) : Re : Account : XXXX This letter is sent in response to a phone call I received on XX/XX/XXXX at XXXXXXXX XXXX I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX From Nelnet to me ( XX/XX/XXXX, XXXX XXXX ) : Dear XXXX, Thank you for contacting Nelnet. 

At this time, we are not able to locate a Nelnet account associated with the information provided in your email. 

To help us locate your account, the requested information below is necessary to meet federal privacy guidelines on your federal student loan account. Once we receive all of the necessary information, we will be pleased to review your inquiry. 

Please respond to the email and include the following : Your XXXX Nelnet account number or Social Security number. 
First and Last Name Date of Birth Your Nelnet account number begins with an XXXX followed by XXXX You can find your Nelnet account number on your billing statement, or by logging in to your https : //nelnet.studentaid.gov/ account and selecting My Loans. 

Please restate your question or concern so we have everything that we need to effectively research and respond to you in a timely manner. 

Note : If you are unsure who your loan servicer is, please visit https : //studentaid.gov/ or call the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Questions? Were here for you. Log in to your https : //nelnet.studentaid.gov/ account or reach out to us at https : //nelnet.studentaid.gov/content/contact. 


Sincerely, XXXX XXXX. 

Your Nelnet Customer Service Team From me to Nelnet ( XX/XX/XXXX XXXX ) : Thank you for your response, Due to your failure to procure Validation/Proof of Debt any further contract from you or your company is breach of FDCPA ( Fair Debt Collections Practices Act ).