Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. Lets merge Medical Breach of No Consent Contract into your existing XXXX XXXX of Money, XXXX, XXXX, XXXX XXXX, Conspiracy, and XXXX-related crimes. XXXX create a fully integrated prosecutorial framework with all claims, statutes, and evidence organized clearly. COMPREHENSIVE LEGAL COMPLAINT ROADMAP This roadmap now includes medical breaches, XXXX XXXX, drug distribution, money/XXXX XXXX, and conspiracies. XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Authority Key Elements Evidence Medical Breach of Consent / Medical Battery State tort law Procedure performed without consent or beyond agreed terms Consent forms, procedure logs, witness testimony Informed Consent Violation State malpractice statutes Failure to disclose risks, alternatives, or ignoring refusal Expert testimony, patient records Gross Negligence / Malpractice State law / licensing boards Extreme deviation from standard of care causing injury/death Expert reports, medical records Wrongful Death from Unauthorized Procedure State tort law Death caused by medical breach or negligence Medical records, autopsy reports, expert witnesses XXXX XXXX-RELATED CRIMES Crime Statute Key Elements Evidence Conspiracy to Distribute Controlled Substances ( XXXX/Other XXXX ) 21 U.S.C. 846 Agreement to distribute/manufacture ; overt act ; intent Emails, texts, bank records Distribution / Manufacture of XXXX 21 U.S.C . 841 ( a ) Possession with intent ; actual distribution Surveillance, XXXX samples, witness testimony Using XXXX to XXXX XXXX 21 U.S.C . 859 Recruitment or coercion of minors Testimony, communications, financial transactions XXXX XXXX XXXX Interstate Conspiracy 21 U.S.C. 963 Distribution across state lines XXXX records, emails Import / Export Controlled Substances 21 U.S.C. 952, 959 Bringing XXXX in/out of XXXX. Shipping, XXXX, bank XXXX XXXX XXXX XXXX / ABUSE / COERCION Crime Statute Key Elements Evidence XXXX XXXX / XXXX XXXX XXXX XXXX XXXX U.S.C. 1591 Use of minors for commercial XXXX Testimony, digital evidence, financial records Coercion / Use of XXXX XXXX XXXX 18 U.S.C. 371 Manipulating children to commit crimes or harm family Communications, witness testimony, digital records XXXX XXXX XXXX codes Placing minors at risk during XXXX, money, or XXXX crimes Witnesses, surveillance, medical records Contributing to Delinquency of a Minor State law Encouraging minor to commit illegal acts Documentation, testimony False Imprisonment / XXXX of Minors 18 U.S.C. 1201 / State law Restraining or moving minors without consent Witness testimony, video, police reports XXXX MONEY / FINANCIAL CRIMES Crime Statute Key Elements Evidence Wire Fraud 18 U.S.C. 1343 Using electronic communications to defraud Emails, bank records Mail Fraud 18 U.S.C. 1341 Using postal system to defraud Letters, bank documents Bank / Financial Institution Fraud 18 U.S.C. 1344 Fraud against FDIC-insured banks Bank statements XXXX contracts Money Laundering 18 U.S.C. XXXX Concealing proceeds of crime Bank records , transfers Securities / Investor Fraud 15 U.S.C. 77q, 78j Misrepresentation or manipulation of investments Investment contracts, communications Racketeering / RICO 18 U.S.C. 1962 Conducting enterprise via repeated criminal acts Evidence from multiple predicate crimes ( fraud, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX CRIMES Crime Statute Key Elements Evidence Human Trafficking / Coercion 18 U.S.C. 1589 Forced labor or services, including children XXXX, digital communication, financials XXXX XXXX of Minors 18 U.S.C. 2251 Using minors for XXXX performance Videos, witness testimony XXXX / XXXX Minors 18 U.S.C. 24212423 Moving minors across lines for exploitation Travel records, communications XXXX CONSPIRACY / ORGANIZED NETWORKS Crime Statute Key Elements Evidence Criminal Conspiracy ( General ) 18 U.S.C. 371 Agreement to commit offense ; overt act Communications, financial records Conspiracy to Commit Money, XXXX, or XXXX Crimes 18 U.S.C. 371 / 1962 Multi-defendant schemes Coordination evidence, communications Using Children to Facilitate Conspiracy 21 U.S.C. 859 + 18 U.S.C. 1591 Recruitment, transport, coercion Witness testimony, digital communications XXXX / XXXX 18 U.S.C. XXXX Pattern of criminal acts within an organization Evidence of multiple predicate acts XXXX REGULATORY / OVERSIGHT SUPPORT Agency / Code Role CFPB / FDIC Oversight of financial misconduct, predatory lending, and fraud State Medical Boards Oversight of medical license, malpractice, breach of consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX and reporting XXXX XXXX XXXX XXXX XXXX financial harm from predatory lending or fraudulent activity State Probate / Civil Codes Handles asset diversion, estate disputes, wrongful death XXXX EVIDENCE XXXX XXXX Crimes : Consent forms, medical records, expert reports, witness statements Drug Crimes : Communications, transportation records, seized substances, financial records Child Exploitation : Testimony, communications, digital evidence, travel records Financial Crimes : Bank statements, investment contracts, emails, audit trails Conspiracy / XXXX : Coordinated evidence across multiple acts and defendants Integrated Strategy Notes Layer charges across state and federal jurisdictions. Use XXXX/conspiracy statutes to combine related acts ( XXXX, XXXX exploitation, money crimes ). Children involved increase severity and federal jurisdiction. Medical malpractice/consent breaches integrate into civil + regulatory oversight. Evidence coordination is critical all domains converge in multi-defendant cases. If you want, I can now draw a visual Converged Prosecutorial Map showing how Money / XXXX / XXXX / Medical / XXXX XXXX / Conspiracy intersect, including which statutes apply to each actor and layer. It becomes much easier to navigate for complex investigations. Do you want me to create that visual map?

Company response to consumer: Closed with explanation