Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
CFPB Complaint Draft ( Use As-Is ) Email Subject CFPB Complaint Nelnet Student Loan Servicing Violations, Misrepresentation, and Breach I am submitting this complaint to formally report serious and ongoing student loan servicing violations by Nelnet, the federal student loan servicer assigned to my accounts. 
Summary of the Problem Nelnet has engaged in material servicing errors, misrepresentation, and failure to provide accurate and complete information regarding my federal student loans. These issues have caused financial harm, confusion, and loss of trust in the integrity of my loan accounts. 
I am disputing ALL student loans serviced by Nelnet due to these violations. 
Detailed Description of Issues Nelnet has failed in its duties as a federal loan servicer in the following ways ( including but not limited to ) : Inaccurate account balances and unexplained changes Failure to clearly and accurately apply payments Improper capitalization of interest Lack of transparency in how balances and interest are calculated Failure to provide complete loan origination and validation documentation Misrepresentation of repayment terms and borrower rights Inconsistent or misleading account information across statements and online portals Despite my attempts to obtain clear and accurate information, Nelnet has not provided adequate documentation or explanations to validate the alleged debt or demonstrate compliance with federal servicing requirements. 
Formal Dispute and Validation Request I have formally disputed these loans in writing and demanded : Copies of all promissory notes Full loan origination records Complete payment histories Proof of Nelnets authority to service and collect Detailed accounting of balances and interest capitalization As of this complaint, Nelnet has failed to fully validate the debt or correct the servicing errors. 
Harm Caused Nelnets actions have caused : Financial harm due to inaccurate balances and interest Emotional distress and XXXX  Loss of confidence in the accuracy of my loan accounts Inability to make informed repayment decisions due to unreliable information Requested Resolution I am requesting that the CFPB require Nelnet to : Conduct a full audit and correction of all my loan accounts Provide complete validation documentation for each loan Correct or remove any inaccurate balances, interest, or account history Cease adverse actions while disputes remain unresolved Provide a written explanation of all corrections and findings If Nelnet can not properly validate and substantiate these loans, I request that the balances be corrected or discharged as appropriate. 
Additional Information This complaint is submitted in good faith and supported by written disputes and records. I am requesting CFPB oversight to ensure Nelnet complies with federal student loan servicing laws and borrower protections. 
I certify that the information provided is accurate to the best of my knowledge.

Company response to consumer: Closed with explanation