Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
b'"FORMAL OMBUSMAN ESCALATION - EXPEDITED REVIEW"\XXXXU.S. Department of Education Office of Consumer Education and Ombudsman\nRe: FORMAL OMBUDSMAN ESCALATION REQUEST - EXPEDITED REVIEw- NELNET SERVICING ISSUES\nDear Ombudsman,\nam submitting this complaint as a formal request for immediate escalation to the FSA Ombudsman Group due to unresolved disputes, prolonged processing delays, and potential borrower harm associated with Nelnet-serviced federal student loan accounts\nBorrower Name: XXXX XXXXnLoan Account:\n. XXXX XXXXnAdditional Account Details\n. Total Number of Payments Made: XXXXThis matter involves potential unfair, deceptive, and abusive acts or practices (UDAAP) ir onnection with the servicing of my federal student loans. Specifically, 1 am requesting a ful Ombudsman-level investigation into whether I was improperly steered into forbearance, denied or not adequately informed of Income-Driven Repayment\' (IDR) options, or otherwise subjectec to servicing practices that resulted in unnecessary interest accrual and financial harn\nKEY ESCALATION FACTORS:\nProlonged unresolved dispute despite prior attempts through standard servicing channels\n Ongoing servicing concerns involving Nelnet\n Financial harm due to interest accrual and/or improper account handling\n Need for independent Ombudsman review and interventior\nLEGAL BASIS FOR REQUEST.\nThis complaint and escalation request is supported under the following federal laws and borrower protection frameworks:\n Higher Education Act of XXXX (HEA\n Consumer Financial Protection Act (UDAAP prohibitions)\nFair Credit Reporting Act (FCRA) - accuracy and dispute obligations\n Truth in Lending Act (TILA) - disclosure requirements\n Administrative Procedure Act (APA) - fair administrative review\n Federal Trade Commission Act - prohibition of deceptive practices\nFORMAL REQUEST FOR RELIEF:\nI am requesting the following actions be taken:XXXX. Immediate escalation to the FS A Ombudsman Group 2 Comprehensive audit and full accounting of my loan servicing history 3. Determination of whether improper forbearance steering or denial of IDR options occurred\n4. Review for eligibility under:\nIDR Account Adjustment\nAny applicable borrower relief programs\n5. Correction of any inaccurate reporting, balances, or servicing record 6. Consideration of discharge, balance reduction, or other appropriate relief where borrower harm is identified\n7. Expedited processing due to prolonged delay and financial impac 8. Formal request for full federal student loan forgiveness/discharge based on servicing errors, potential regulatory violations, and borrower harm identified through investigatior\nSUPPORTING DETAILS\nhave made good faith efforts to resolve this issue directly with my loan servicer, however, the matter remains unresolved. The continued delay has created ongoing financial burden and uncertainty.\nThis submission should be treated as a formal escalation request requiring Ombudsman-level review. Please provide written confirmation of receipt, case number assignment, and all finding: upon completion of your investigation.\nI am prepared to provide additional documentation upon request\nThank you for your prompt attention to this matter.\nRespectfullyXXXX XXXX

Company response to consumer: Closed with explanation