Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Description of the Issue On XX/XX/year>, I reviewed my credit report and was mentally stressed to discover a delinquency notation that I had never been properly notified with instruction to overcome the challenges such finding was both distressing and confusing, given the longstanding record of financial responsibility that, I have been paying more than minimum payment due. 

I have consistently been a on time and economical individual, always paying bills on time and avoiding unnecessary debt, interest bearing credit cards or type of personal loan. However, the combined impact of the XXXX pandemic and broader economic instability particularly challenges linked to the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX that was a lucrative way that used my transactional situation and placed me in a extremally challenge to failed program that externally imposed and mentally stressful financial with additional superficial deceitful position that does not reflect my values or financial behavior. 

As part of my efforts to recover and move forward, I submitted a XXXX XXXX claim through XXXX, seeking relief from student loan obligations incurred during my time at a public college. Despite the nature of the claim and the broader call for free public education and literacy, this request has been continuously neglected or denied, forcing me to carry burdens that contradict the principles of equal access as a skilled and experienced citizen. I have submitted all the backup info in the borrower defense. 

In response to my temporary hardship, I reached out to both XXXX Bank and XXXX XXXX  to explore options such as deferment, restructuring, or support programs. Unfortunately, both institutions provided little help no meaningful assistance as to the decreased the credit limits. Their lack of empathy, transparency, and flexibility exacerbated my financial stress. Rather than offering viable solutions, they proceeded with derogatory credit reporting often without sufficient communication or a fair chance for me to rectify the situation. 

As a result, I am now facing difficulty obtaining credit cards or business loans. This is not due to any financial negligence, but due to institutional indifference and poor alignment with the economic reality of individuals like me who were actively pursuing professional development and recovery. 

Discovered delinquency on credit report : XX/XX/year>, via XXXX XXXX XXXX XXXX  XXXX XXXX Bank : XX/XX/year> Contacted XXXX Bank : XX/XX/year> Requested support/payment options XXXX XXXX XXXX bank XXXX XXXX or XXXX of XX/XX/year> Filed disputes with credit bureaus : XX/XX/year> To date, neither XXXX nor XXXX Bank has XXXX a clear resolution or taken accountability. I respectfully request : A full investigation into the reporting practices of both institutions with additional XXXX borrower defense. 

The correction or removal of any unjustified derogatory entries A review of how these institutions handled hardship requests during a federally recognized crisis do any public, client or a students needs to be under XXXX to legal enforcement when these systems are highly influenced by politics and neglected privacy related low income and unaware citizen or migrated citizens personal data information. 

This issue is not just about XXXX individual 's credit it reflects a deeper systemic failure that must be addressed to uphold fairness, dignity, and financial justice. I would like to request to remove all my delinquency information due to that huge forefather business established and private companies trade agreement has been taking advantage of our personal growth with profit as well as keeping us in an awful position that we as an individual could not even XXXX to get better at the financial scrutiny that the systematic approach of unfair forefather established and private company has bestowed on specially on me.

Company response to consumer: Closed with explanation