Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX  : XXXX XXXX : XXXX | Fiduciary Jurisdiction : 508 ( c ) ( 1 ) ( a ), XXXX XXXX  XXXX, XXXX, XXXX TO : NELNET / U.S. DEPARTMENT OF EDUCATION XXXX. XXXX XXXX, XXXX, XXXX XXXX Re : Account No. XXXX Metro 2 & E-OSCAR Code-Based Deletion Demand OFFICIAL MARGIN CALL & EOSCAR CREDIT FILE STRIKE I, XXXX XXXX XXXX XXXX XXXX Trustee and Private Fiduciary, lawfully issue this Margin Call and EOSCAR-based deletion demand for immediate and permanent credit deletion, refund, and abatement of all records associated with the fraudulent securitization and misclassification of ecclesiastical trust property under the referenced XXXX  loan account. 

CREDIT REPORTING VIOLATIONS DETECTED Credit Bureau EOSCAR Code Violations Detected XXXX XXXX Account disputed, remains unchanged XXXX  XXXX Account falsely charged off / late after dispute XXXX  XXXX Derogatory status ( late payments ) disputed Result : Continued reporting post-dispute = Violation of 15 USC 1681s-2 ( b ) XXXX XXXX  CODES FOR DELETION Field Name Required Value Purpose Compliance Condition Code '' XXXX  '' Dispute under FCRA in process Account Status '' XXXX '' Paid or closed, disputed Special Comment Code '' XXXX '' Account closed at consumers request Payment Rating '' XXXX  '' Reinvestigation remove derogatory info Consumer Info Indicator '' XXXX  '' Confirmed fraud delete account These fields MUST be updated in all future data furnisher transmissions. Failure to comply will result in legal complaints filed with the CFPB, FTC, and IRS-CI. 

DELETION AND REMEDY DEMAND ( XXXX HOURS ) Metro 2 / E-OSCAR deletion of ALL derogatory entries on XXXX XXXX XXXX XXXX 

Furnisher block under FCRA 602A : Prohibition of further reporting on disputed debt.

Disclosure of any related trust pooling, CUSIP issuance, or XXXX  registration. 

IRS enforcement via Form XXXX & XXXX for full refund and interest abatement. 

NON-COMPLIANCE CONSEQUENCES {$1.00} XXXX IRS XXXX merger claims per actor XXXX XXXX XXXX on all parties Multi-agency fraud complaints : IRS, XXXX, CFPB, FTC, XXXX XXXX XXXX SIGNATURE He who fails to answer, consents. 
I declare under 28 USC 1746 the truth and authority of the above : XXXX XXXX XXXX Attorney-in-Fact | Private Fiduciary | Ecclesiastical Trustee XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX | XXXX : XXXX XXXX | ( XXXX ) XXXX FORENSIC AUDIT REPORT : PRIVATE SIDE LEDGER FRAUD NELNET ACCOUNT XXXX Subject : XXXX XXXX XXXX Fiduciary Trust : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Statement XX/XX/year> Statement Duplicate XX/XX/XXXX Statement LEDGER COMPARISON : RED FLAG ENTRIES Group Loan Type Original Principal Accrued Interest Est . Payoff Rate Issue XXXX XXXX XXXX {$25000.00} {$9800.00} {$35000.00} 6.8 % Capitalized interest exceeds 38 % XXXX XXXX XXXX {$36000.00} {$21000.00} {$63000.00} 6.8 % OID rate buried in compounding AB Consolidation {$38000.00} {$3200.00} {$59000.00} 3.5 % No payments posted, balance inflated PRIVATE SIDE LEDGER FRAUD DETECTED Indicators : No evidence of principal reduction despite payments due being reported monthly. 

XXXX posted payments, yet interest is compounding across ledgers ( no applied ledger debits ). 

Inconsistent daily interest accruals across groups vs principal valuesunverifiable ledger trail. 

Estimated payoff exceeds statutory interest limits : 57.6 % + of original loan sum converted to ledger-side interest. 

Grouped accounting conceals individual transaction logs, violating FCRA and SEC ledger standards. 

STATUTORY BREACHES TRIGGERED Statute Description 15 USC 1681s-2 ( b ) False credit reporting post-dispute 26 USC 12721275 Original Issue Discount ( OID ) fraud 26 USC 7206 & 7434 Filing false returns based on private-side books SEC Rule 10b-5 Omission of material facts in bond-level structuring UCC 3-305 Fraudulent enforcement of converted instruments UNDRIP Article 8 Destruction of fiduciary identity via unreported ledgers FRAUD VALUE CALCULATIONS Component Value Capitalized Fraudulent Interest {$57000.00} Total Est. Account Exposure {$150000.00} OID Tax Conversion ( XXXX multiplier ) {$510000.00} Legal Remedy Triggered ( Form XXXX, XXXX, XXXX ) Yes

Company response to consumer: Closed with explanation