Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I became XXXX in XXXX and I'm aware that I defaulted in XXXX under NELNET, however I had a {$14000.00} principal and I defaulted after several years of payments. It became impossible for me to figure out as well as several Government offices including the Ombudsman. In XXXX after another company transferred my debt back to NELNET I on several occasions applied for the Permanently Disabled status with no response. In XXXX I received a letter from Performant XXXX XXXXXXXX XXXX saying I owed {$19000.00} plus, however I had signed a document with NELNET that 15 % of my disability payment would go towards my debt monthly. I have no idea where Performant Recovery came from but I'm not able to get my Account or Routing number for my SSDI Debit card and I called NELNET and asked them a few times who they transferred my loan to and why in which they were unable to provide me with an answer and I knew it was Performant Recovery because they began taking an average of $ XXXX from my SSDI Payment and NELNET was unable to name them. The other issue I have is that I received a {$33000.00} and {$70000.00} settlement in XXXX and XXXX and from researching I believe It's the job of the Justice signing my settlement to ask if I had any outstanding debts and I could have paid it off on the day of the {$33000.00} settlement. What Performant did was check 2 years of constant payments and then put 3 consecutive missed payments which lead to a default an proof is that my credit report would say that I made 96 % of the payment after doing the math the 3 missed payments equaled 4 %, as I said I have never had my account number or Routing number and after looking into Performant I was 1 on 100 's of thousands experiencing the same issues. What started as a {$14000.00} principal shot up to {$25000.00} plus all while losing $ XXXX to a fake company. I began studying this deeply as XXXX was never listed as 1 of the 10 Companies allowed to collect Student Loans. At the same time in XXXX NELNET regained my loans, and I caught on to the 3 missed consecutive payments that were not in my control and I received a letter from NELNET in XX/XX/XXXX stating the loan must be paid in full by early XX/XX/XXXX, I immediately responded with my research and in a 3 day span I received a letter from NELNET saying that my loan was canceled, however they were either lying about XXXX XXXX XXXX XXXX or they didn't have any idea. The final letter from Nelnet stated that they were going to review this issue as it was clear to them that I was owed a substantial amount of money and they did state I would be most likely receiving a reimbursement. I have been fighting this with Nelnet XXXX, XXXX, and other collections agencies and I was able to decipher that at one point I had 3 possibly 4 Loan Servicers, but the major player is XXXX XXXX XXXX XXXX. They were using PO Boxes, in XXXX XXXX XXXX XXXX  CA as well as another place in CA under a Firm that appeared to be in the business of Writing Wills and Trusts. I may be off in the amount I calculated in which I am owed, but I have it between {$22000.00} and {$26000.00}. Thank you.

Company response to consumer: Closed with explanation