Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
Urgent Legal Action, Regulatory Complaint, and Fraud Allegation Unauthorized Forbearance, Interest Charges, XXXXXXXX XXXX XXXX XXXXXXXX, and Backdated Letter To Whom It May Concern, I am writing to formally demand immediate corrective action regarding the unauthorized placement of my federal student loans into forbearance and the unjust accrual of over {$2000.00} in interest charges. This issue is compounded by a fraudulent backdated letter I received, which falsely claims I was notified about the forbearance placement. The fraudulent creation and backdating of this letter is a serious violation and will not be ignored. 

In addition to the forbearance issue, I have loans associated with XXXX XXXX  that were placed on my account while I was XXXX  during the first week of classes. Despite informing both the university and your office about my XXXX, I was still charged for loans and tuition, amounting to approximately {$4000.00} to {$5000.00}. Both XXXX XXXX, Nelnet, and the Department of Education have failed to correct these charges or provide any reasonable resolution. 

The actions taken by these entities are in violation of federal student loan servicing laws, and their continued failure to resolve this matter exposes them to potential legal and regulatory penalties. The fraudulent backdated letter, unauthorized forbearance, and the mishandling of my loans while I was XXXX  will not be tolerated. 

I demand the following immediate actions : Immediate correction of my loan status, including a full reversal of interest charges and retroactive reinstatement into the XXXX plan, as well as the cancellation of loans associated with XXXX XXXX  while I was XXXX. 
A formal investigation into the fraudulent backdated letter that was sent to me, with a detailed explanation of who authorized its creation and why it was sent. 
Immediate corrective action from both XXXX XXXX  and Nelnet to reverse the unauthorized loan charges related to my XXXX, and a detailed explanation of the steps they will take to remedy this. 
Full documentation of any legal or regulatory directives that resulted in the placement of my loans into forbearance and the creation of the backdated letter. 



If these matters are not resolved within XXXX business days, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Department of Educations Ombudsman, Federal Trade Commission ( FTC ), and my State Attorney Generals Office, citing violations of federal law, fraud, and consumer protection failures. 
Pursue legal action for breach of contract, fraud, and financial damages, including claims for emotional distress caused by the mishandling of my loans. 
Publicly expose Nelnet, XXXX XXXX, and the Department of Education through social media, consumer protection platforms, and media outlets, detailing their failure to fix these issues and the harm it has caused me. 



These actions are illegal and will not be ignored. Nelnet, XXXX XXXX, and the Department of Education can and will be penalized for failing to resolve this matter. Your time to correct this situation is running out. 

I expect a full resolution of this matter within 15 days, including the full reversal of the interest charges, the cancellation of the XXXX XXXX  loans related to my XXXX, and a clear explanation of the backdated letter.

Company response to consumer: Closed with explanation