Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
To the Consumer Financial Protection Bureau, My loans were placed into involuntary administrative forbearance by Nelnet on XX/XX/year> while I was enrolled in the SAVE repayment plan. My loans continue to accrue interest. This has had an impact on my current credit health. I am submitting this complaint regarding the servicing of my federal student loans by Nelnet. I believe my account has been improperly handled in connection with the Saving on a Valuable Education ( SAVE ) income-driven repayment plan and the ongoing legal challenges affecting that program and the service loan provider, Nelnet. Specifically, my loans were placed into involuntary administrative forbearance without my request or informed consent. I enrolled in the SAVE repayment plan in good faith in order to maintain an affordable income-driven repayment arrangement and remain compliant with my federal student loan obligations. Despite this, Nelnet placed my loans into administrative or involuntary forbearance during the ongoing litigation affecting the SAVE program. Due to the status of my loans, it prevents me from applying for any other type of loan repayment plan that would allow me to rectify this. I did not request this forbearance, and I was not provided clear notice, a meaningful explanation, or the opportunity to decline this change to my account status. This action appears to be related to the legal disputes surrounding the SAVE program and the broader operational changes affecting federal student loan servicers, including litigation involving servicing entities such as Nelnet. As a borrower acting in good faith, I should not be negatively affected by administrative actions or litigation occurring between loan servicers and federal agencies. The servicers decision to place my loans into involuntary forbearance has disrupted my repayment progress and created uncertainty regarding my repayment status, interest treatment, and eligibility for forgiveness programs. These circumstances raise serious concerns regarding potential violations of federal consumer protection standards, including : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Nelnets actions may constitute an unfair or deceptive practice if borrowers are placed into involuntary forbearance without clear disclosure, explanation, or consent. Changing a borrowers repayment status without transparent communication or meaningful options may create harm by interrupting repayment progress and undermining borrower expectations regarding income-driven repayment programs. Fair Credit Reporting Act ( FCRA ) Concerns If my loan status has been reported to consumer reporting agencies in a manner that inaccurately reflects my repayment status during this involuntary forbearance, it may constitute inaccurate credit reporting. Borrowers should not face negative or misleading credit reporting outcomes as a result of administrative actions taken by a loan servicer. XXXX XXXX XXXX XXXX Obligations Federal student loan servicers are responsible for administering repayment programs accurately and providing clear communication regarding borrower status. The imposition of involuntary forbearance connected to the SAVE plan litigation raises concerns that my account may not be serviced in compliance with federal servicing standards or borrower protection requirements. Because this forbearance was not requested by me and appears to be the result of administrative or legal actions beyond my control, I respectfully request that the CFPB investigate this matter and require corrective action where appropriate. Specifically, I request the following : A full audit and review of my loan servicing history. Written clarification explaining why my loans were placed into involuntary administrative forbearance. Confirmation that this period will not negatively affect my credit reporting, repayment status, or progress toward loan forgiveness programs. Correction of any inaccurate credit reporting or payment tracking resulting from this status change. Assurance that my SAVE plan enrollment and repayment status are being properly processed in accordance with federal student loan regulations. Any necessary remediation if improper servicing or report ing practices occurred. Borrowers who make good-faith efforts to comply with federal repayment programs should not be harmed by litigation, administrative actions, or servicing decisions that are outside their control. I appreciate the Consumer Financial Protection Bureaus assistance in reviewing this matter and ensuring that federal student loan borrowers receive fair and accurate loan servicing. I will attach the last statement my loan provider had provided, in spite of my continual effort to repay my loans every month to the current date.

Company response to consumer: Closed with explanation