Business Profile

Student Loan Services

Nelnet - National Educational Loan Network

Headquarters

Complaints

This profile includes complaints for Nelnet - National Educational Loan Network's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

1,118 total complaints in the last 3 years.
308 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:03/03/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this deb with US Department Of Education. I do not have a contract with NELNET. They did not provide me with the original contract as I requested.
Business Response
Date: 03/10/2025
Pertaining to ***** ******* federal student loan account, we reviewed their concerns and provided the attached response.We are writing in response to the inquiry you submitted to the Better Business Bureau regarding your federal student loan account with Nelnet. On behalf of your lender, the U.S. Department of Education (ED), we service your federal student loans. We take your concerns seriously and appreciate the opportunity to respond.
Your concern, as we understand it, is that you are disputing this debt. You previously requested a document with your signature to show these are your loans but never received it. You are asking us to remove these loans from your credit files.
We currently service your federal loans on behalf of ED. In accordance with our agreement with ED, we furnish your account data to the consumer reporting agencies (CRAs). As a data furnisher, under the Fair Credit Reporting Act, we have an obligation to ensure the data we furnish is complete and accurate. Any information we share is in accordance with the U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information. Enclosed is a copy of ED’s privacy notice which states that, for everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus, we do share your information, and you may not opt-out of this sharing.
Per your request, a copy of your Master Promissory Note has been enclosed for your review.
** ******* *** ******* ******* *** ******** **** **** ******* ** *** *** **** ******* ** **** ** ***** ** *** ******* ******* **** **** ****** ** ** ** ****** ** ***** ******** **** ********* ******* *********** *** **** ****** *** ** ** **** ************** ******* ** ********************* ******* ** ****** *** ****** **** ******* ************ ************** *** *** ******* ** ** ************** ** *** ******** ******* **** ***** *** ******* *********** ******** ** *** *** ** **** ********* ** *** **** *** ***** ********** *** *** **** ** ** ************ **** * **** ** * **** *********
Customer Answer
Date: 03/19/2025

Complaint: ********

I am rejecting this response because:
To begin, nowhere on the document presented does it say "******* ********** ** *********** Because I don't and never have entered into any agreement or contract with NELNET.
Next, NELNET is reporting 6 separate student loan accounts in my name to all three credit bureaus (EXPERIAN, TRANSUNION, & EQUIFAX). In their previous response they presented one document, not six. Furthermore, the total loan on the document they presented says the loan is for $15,000. None of the accounts they are reporting are for $15,000 even when you add them together.
NELNET is also reporting several different loan dates after the year 2010, which this document they presented that has nothing to do with them was allegedly established. They are also reporting the monthly payments for all six of these said accounts are $0 per month but reporting to the credit bureaus that I am 120 days late on payments for all six of these accounts. Which they "ironically" reported to the credit bureaus days after receiving my formal dispute via ********* **** ** ******** *** **** ** ******* *** ** *** ** ** *** **** **** ** * ******* **** ** ** ***** ****** ***** *** ******** *** **** **** ******** ** ** ** **** ****** ******* **** *** ****** ** **** ********* ********** ******** *********** ***** ** ********* ***** **********
I filed a formal dispute with NELNET PERSONALLY in which they had 30 days to provide to me the original form of indebtedness in its original form bearing my signature within 30 days of receipt of my dispute and to cease reporting to credit bureaus immediately, and that the accounts be removed from my credit file if they could not be verified. NONE OF WHICH THEY DID.
NELNET is in violation of many FCRA laws: 15 USC 1681s-2 section 623 (7) NEGATIVE INFORMATION (A) NOTICE TO CONSUMER REQUIRED (i) (B) TIME OF NOTICE (i); 15 USC 1681s-2 section 623 (b) DUTIES OF FURNISHERS OF INFORMATION UPON NOTICE OF DISPUTE (1) (A) (B) (C) (D) (E) (i) (ii) (iii) (2) DEADLINE; 15 USC 1681i section 611 (5) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION (i).
I was unable to attach the sixth file as I am only able to upload 5 attachments.
NELNET has caused severe damage to my credit reputation and has abusive and unfair practices. ALL six accounts need to immediately be removed from my credit file with all three bureaus, EXPERIAN, TRANSUNION, AND EQUIFAX. All of which who also don't investigate properly and I have filed complaints with the CFPB.
I appreciate your help in this unjust and unfair matter.
Sincerely,
***** *****
Business Response
Date: 03/31/2025
Pertaining to ***** ******* federal student loan account, we reviewed their concerns and provide the attached response.We are writing in response to the inquiry you submitted to the Better Business Bureau (BBB) regarding your federal student loan account with Nelnet. On behalf of your lender, the U.S. Department of Education (ED), we service your federal student loans. We take your concerns seriously and appreciate the opportunity to respond.
As we understand it, your Master Promissory Note (MPN) does not say “Nelnet” and you never entered into an agreement with Nelnet. You also state we are reporting six student loans with different loan dates after 2010, but we only provided you with one document dated in 2010. You state we reported you as 90 or 120 days late on a payment that is $0.00 per month, but never reported you 30 or 60 days late. You also state we’re reporting inaccurate information about you including false addresses. You’re asking us to remove your loans from your credit report.
** ********* ** **** ******* ******** **** *** ****** ***** ***** *** ***** ***** ******** * **** ** **** ****** *** **** ******* ** **** *** **** *** ****** ** ********* ** ***** **** * ** ** ** ***** *** **** ** ******** **** *** *** ******* **** **** *** **** ***** **** *** **** * ****** ** ** ***** ** *** *** **** *********** ****** ** **** ****** ** *** ** *** **** ** ******* **** **** *** **** ***** **** **** *** **** ****** **** ****** ** *** ****** **** ********* ****** ** ******** ****** ********* ****** *********** ******* ** *** **** ******** ********* ********* ******* ********* ********* *********** *** ********* ***** ** ******* ******* ** **** **** **** ** ******* **** ********** *** ******* ** ** ** ***** **** ** ******* ******* ** **** **** **** ** *** ******* **** ******* ***** **** **** ******* **** *** **** ********* ** *** ***** *** *********** *** ****** ** **** ****** ******* *** ** **** ** ***** ****** *** **** *********** ** ****** ********** ****** ***** ***************************************************** *** *** ***** ** **** *** **** ** ******** ** *** ***** *** ***** ********* *** *** *********** *** ******** **** ******** ** *** ******** ***** ** ***** ****** ******* ** *** ******* *** ************** ** **** ** ****
Initial Complaint
Date:01/16/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My federal student loans were approved in deferment effective 2/15/24 due to my unemployment. Four additional automatic withdrawals we’re deducted in error from my checking account by services NelNet 2/16/24 thru 12/16/24 totaling $3,024.64.
Business Response
Date: 01/21/2025
Pertaining to ****** ******* federal student loan account, we reviewed their concerns and provided the attached response.We are writing in response to the inquiry you submitted to the Better Business Bureau regarding your federal student loan account with Nelnet. On behalf of your lender, the U.S. Department of Education (ED), we service your federal student loans. We take your concerns seriously and appreciate the opportunity to respond.
Your concern, as we understand it, is that your payments processed on auto debit even though your account was in deferment due to unemployment. You are asking us to refund payments made February 16, 2024, through December 16, 2024, totaling $3,024.64.
We apologize for the experience you described regarding the payments processed through auto debit. We have documented your concerns, and we will use this information for process improvements. We look forward to a more positive relationship with you in the future.
Based on your concern and our review of your account, we verified you spoke to a representative on January 16, 2025, regarding a refund. They advised you the U.S. Department of Treasury must approve refund requests before funds can be issued back to the remitter of the payment. As stated, we cannot provide a time frame for when you will receive your refund. We regret the inconvenience caused by this.
If you have any other questions, you may call us at ************ from 8 a.m. to 9 p.m. (Eastern) Monday, 8 a.m. to 8 p.m. Tuesday and Wednesday, and 8 a.m. to 6 p.m. Thursday and Friday. You can also email NelnetCustomerSolutions
Business Response
Date: 01/24/2025
Pertaining to ****** ******* federal student loan account, we reviewed their concerns and provide the attached response.We are writing in response to the inquiry you submitted to the Better Business Bureau regarding your federal student loan account with Nelnet. On behalf of your lender, the U.S. Department of Education (ED), we service your federal student loans. We take your concerns seriously and appreciate the opportunity to respond.
Your concern, as we understand it, is that your payments processed on auto debit even though your account was in deferment due to unemployment. You are asking us to refund payments made February 16, 2024, through December 16, 2024, totaling $3,024.64.
We apologize for the experience you described regarding the payments processed through auto debit. We have documented your concerns, and we will use this information for process improvements. We look forward to a more positive relationship with you in the future.
Based on your concern and our review of your account, we verified you spoke to a representative on January 16, 2025, regarding a refund. They advised you the U.S. Department of Treasury must approve refund requests before funds can be issued back to the remitter of the payment. As stated, we cannot provide a time frame for when you will receive your refund. We regret the inconvenience caused by this.
If you have any other questions, you may call us at ************ from 8 a.m. to 9 p.m. (Eastern) Monday, 8 a.m. to 8 p.m. Tuesday and Wednesday, and 8 a.m. to 6 p.m. Thursday and Friday. You can also email ********************************************* or visit **********************
Customer Answer
Date: 01/27/2025
I do t understand how this claim can be closed with no action taken at all by Nelnet. How is this resolved?
Initial Complaint
Date:12/31/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am reaching out to seek resolution for an issue with my federal student loan payment history that has rendered me unable to apply for the Public Service Loan Forgiveness (PSLF) program. The details of my situation are as follows: My federal student loan was originally serviced by Nelnet. In early 2024, it was transferred to Mohela, seemingly coinciding with my application for PSLF. I suspect this transfer was connected to my application, possibly to hinder the process. Following the transfer, I discovered that my payment history, which dates back to 2011, had been reset. Mohela's records now indicate I have made only 42 payments, which inaccurately reflects just the past 3.5 years of my payment history. This discrepancy makes me ineligible to apply for PSLF, despite being a consistent payer since 2011. In August 2024, I contacted Nelnet to resolve this issue. A representative confirmed that Nelnet could access my full payment history dating back to 2011. They assured me this information would be forwarded to both myself and Mohela. However, I never received the documentation, and Mohela’s records remained unchanged. I followed up with Nelnet again in November 2024. Once more, I was told my full payment history was accessible, and the representative reassured me that it would be sent to Mohela. They also took my address and contact information to send a copy to me directly. Unfortunately, I have yet to receive any correspondence, and Mohela has not updated my account. I have attempted numerous times to contact Mohela directly. However, I have been unable to reach a live representative and can only get through to an automated answer service, leaving me without assistance or recourse. This situation is deeply frustrating. The inaccurate payment history on my account has unfairly prevented me from applying for PSLF, a program designed to provide critical relief for borrowers like me.
Business Response
Date: 01/03/2025
Pertaining to ***** ******** federal student loan account, we reviewed their concerns and provide the attached response.
Initial Complaint
Date:11/21/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with DEPT OF EDUCATION/NELN , I do not have a contract with Nelnet - National Educational Loan Network, they did not provide me with the original contract as i requested
Business Response
Date: 11/26/2024
Pertaining to ****** ******** federal student loan account, we reviewed their concerns and provide the attached response
Initial Complaint
Date:11/14/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In May, I graduated from an MSW program from the University of Michigan. The federal government was the guarantor of my loans and they were distributed through Nelnet. When I graduated, I wanted to start making payments right away but was told by an agent in June that I would need until the grace period ended in six months. I informed them that I wanted the ability to pay sooner and they said that was not an option. I waited the six months and accrued almost $5300 in interest. When I called right before my grace period was set to expire, I was told by the agent that Nelnet was not picked as a provider for debt consolidation a month after I called initially and that I needed to go through **************. I filled out the debt consolidation form and learned that I could have started paying on my loans once Nelnet no longer offered consolidation. When I called them on 11/14/2024 to ask them why they never sent a correspondence to borrowers about this change, I spoke to an initial agent who filed a complaint and then a supervisor who dismissed my argument despite admitting that they never sent any communication about this change. If I do not get this resolved, I will look to a lawyer to sue Nelnet for the damages that continue to accrue as a result of this failure to protect borrowers and do their duty in being transparent about their process.
Business Response
Date: 11/18/2024
Pertaining to Justin Hempfling‘s federal student loan account we reviewed their concerns and provide the attached response.
Our records indicate that on August 15, 2024, during a telephone conversation with a representative,
we discussed your loan status as in grace. We also discussed that currently ED was not accepting
IDR applications. We also discussed your loan balances, and that you could make voluntary
payments during the grace period. Also on August 15, 2024, during a follow-up call, a representative
discussed where to find the daily interest, as you were weighing out your options during your grace
period. You indicated that you had $40,000.00 and were considering paying down your loan
balance. Or waiting until the grace period was over and consolidating your loans to pursue Public
Service Loan Forgiveness.
Based on your concerns, and our review of your account, we’ve determined an adjustment is not
warranted because on May 20, 2024, we sent you the enclosed letter which explained even if you
did not have any payments due, you did have the option to make payments to pay down the accrued
interest.
Business Response
Date: 11/25/2024
Pertaining to ****** *********** federal student loan account, we reviewed their concerns and provide the attached response.
We appreciate your feedback on your BBB Rebuttal case. We understand you still have concerns related to consolidation and our previous response. We apologize for any frustrations you have experienced regarding this issue. On June 1, 2023, the U.S. Department of Education (ED) authorized the transfer of your federal student loans from ***** ***** *********** **** ********* ***. to Nelnet. On May 17, 2024, it was announced Nelnet would no longer be responsible for originating Direct Loan consolidations on behalf of ED. Effective May 17, 2024, Nelnet no longer was accepting consolidation applications and was removed from the online StudentAid.gov consolidation application. Additionally, borrowers were advised not to submit paper consolidation applications to Nelnet after May 16, 2024. As previously stated, our records show that the first time we spoke with you in 2024 was on August 15, 2024. We have reviewed and provided you with all phone correspondence from June 2023 through August 2024: ? November 24, 2023: You requested to make a payment towards principal, and we advised you that the payment would be applied to interest first. ? November 24, 2023 (first follow-up call): You inquired about making a payment while in school. We provided you with payment options, and information regarding grace. ? November 24, 2023 (second follow-up call): You stated that you were thinking about consolidation and wanted to know if you could consolidate multiple times. You also inquired if you could consolidate before graduating, and we advised you to wait until you were done with school. ? August 15, 2024: We discussed your grace status along with your loan balance. We also explained that you could make voluntary payments during your grace period. In addition, we discussed that currently ED was not accepting Income-Driven Repayment (IDR) Plan Requests at that time. ? August 15, 2024 (follow-up call): We discussed where to find your daily interest accrual, as you were weighing out your options during your grace period. You indicated that you had $
Customer Answer
Date: 11/26/2024
Nelnet has never provided any proof that they ever sent a letter or email or notice about their inability to provide loan consolidation after May 17th. I was never told by any agent that this was the case and in fact it was confirmed to me by two different agents that they never confirmed this to borrowers. Had I know that, I would have immediately consolidated by loans and foregone my grace period from student aid.gov. The agent also never informed me when I asked that I could pay by the highest principal interest rate first through their pay by group option. Nelnet withholds information so that they can collect more interest from borrowers and I hope they are investigated by attorneys general in various states for these deceptive practices. As a veteran, I am disgusted at these practices and will look at legal recourse through military advocates and otherwise. They never answered my questions and just reiterated what they already said which never answered my question.
Initial Complaint
Date:10/21/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I asked CFPB for assistance. They notified me that on Oct 13 Dept of Education was past due with replying back to my complaint. To this day Oct 21, 2024, I have not heard back anything, this complaint was sent in on Sept 27, 2024. I know myself and other consumers always have to follow some type of rules and deadlines, but I expect the same in return as well. This is for all 3 bureaus. Experian, Transunion and Equifax. However, on Equifax its showing FED LOAN SERVICING! My information is floating around too much to different loan servicing companies. I need all of them removed from my credit reports. DEPT OF ED/AIDVANTAGE ************************ bal: $1,292 ************************ bal $503 , ************************bal- $$382 ************************ bal $3,997, ************************ bal $3,500 ************************ bal $3,500, ************************ bal $2,077 DEPT OF EDUCATION/NELN, ****************** bal $25,394 ****************** bal- $25,394
Business Response
Date: 10/24/2024
Pertaining to ******* ***** federal student loan account, we reviewed their concerns and provide the attached response.We are writing in response to the inquiry you submitted to the Better Business Bureau regarding
your federal student loan account with Nelnet. On behalf of your lender, the U.S. Department of
Education (ED), we service your Federal Direct Consolidation Loan. We take your concerns
seriously and appreciate the opportunity to respond.
Your concern, as we understand it, is on September 27, 2024, you submitted a complaint to the
Consumer Financial Protection Bureau because your previous loan servicers are still reflecting on
your credit report, but you have not heard back. You are asking us to remove your previous
servicers from your credit report.
Review of our records confirmed that your complaint to the Consumer Financial Protection Bureau
was not assigned to Nelnet. As a result, we are unable to determine why a response was not
provided to you.
On September 18, 2024, we received notification from the consumer reporting agencies (CRAs) that
you disputed your loan account due to identity theft. Also, on September 27, 2024, we received your
identity theft report from the Federal Trade Commission. On October 9, 2024, we mailed a letter to
advise you of the outcome of our identity theft investigation. To further investigate your identity theft
claim, we require new information that supports your allegation. We have enclosed our previous
letter to you, which describes in detail the information we need to continue an investigation.
Your Direct Consolidation Loan originated through the Federal Direct Consolidation Loan Program
on February 14, 2018, and paid in full eight Direct Stafford Loans that were serviced by Aidvantage.
FedLoan Servicing (PHEAA) began servicing your Direct Consolidation Loan immediately after
origination. They serviced your loan until ED transferred it to us on December 20, 2021.
Please note, factual data furnished by Nelnet, or your previous servicers will remain on your credit
report and cannot be removed even if your loans are transferred or paid in full by consolidation. If
your previous servicers are still reporting an active balance on your credit report, please file a
dispute with the CRAs directly. We are unable to investigate disputes
Customer Answer
Date: 10/30/2024
Yes, please take a look at the attachments and the acct numbers. Just as of Sept 20 only one was on my credit report. After I disputed another one for the same amount popped up making it look like I am in debt with someone for over $56,000. CRA just told me he sees 2 of them as well with different account numbers. So going back to the CRA isnt an option. This could have well been a HUMAN ERROR.
Business Response
Date: 11/04/2024
Pertaining to ******* ***** federal student loan account, we reviewed their concerns and provide the attached response
We appreciate your feedback on your BBB Rebuttal case. We understand you are continuing to
have concerns related to the amount we are reporting to the consumer reporting agencies (CRAs).
On October 31, 2024, we reviewed the documents you provided and the data we are reporting to the
CRAs. We confirmed that the data we reported accurately reflected your loan status at the time it
was furnished. We show no duplicate reporting. On September 30, 2024, only one loan was reported
with the correct balance of $28,146.00.
The enclosed letters dated October 24, 2024, and October 29, 2024, advised information on credit
reporting, the origination of the loan, and the outcome of your identity theft claim. If you disagree,
with our findings regarding the data we are reporting to the CRAs, you will need to file a complaint
directly with them.
Please understand we have made every reasonable effort to respond to your concern, If we do not
receive new information substantiating your claim, we may file your concerns without additional
action.
If you have
Initial Complaint
Date:08/29/2024
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Nelnet took out an unauthorized payment after I had paid off my loans with them. The loans were paid off on 06/21/2024, but Nelnet took out an extra payment of $199.30 on 06/26/2024. After contacting them multiple times, through multiple means (calling and email), there has been no resolution.
Business Response
Date: 09/03/2024
Pertaining to ******** ******** federal student loan account, we reviewed their concerns and
provide the attached response.
Customer Answer
Date: 09/03/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Thank you,

Sincerely,

******** *******
Initial Complaint
Date:08/01/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In accordance with the Fair Credit Reporting Act Convergent, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts/Number: ********** * ************* (4 Accounts #***************), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code § 1681 to (4) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy.
Business Response
Date: 08/05/2024
Pertaining to ***** ******** federal student loan account, we reviewed their concerns and provide the attached response
We currently service your Federal Direct Stafford Loans on behalf of ED. In accordance with our agreement with ED, we furnish your account data to the CRAs. As a data furnisher, under the Fair Credit Reporting Act, we have an obligation to ensure the data we furnish is complete and accurate. Any information we share is in accordance with the U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information. Enclosed is a copy of ED’s privacy notice which states that for every day business purposes, such as to process your transactions, maintain your account, respond to court orders and legal investigations, or report to credit bureaus, we do share your information and you may not opt out of this sharing. We are unable to delete this information from the CRAs.
Business Response
Date: 08/14/2024
Pertaining to Aaron Arthur's federal student loan account, we reviewed their concerns and provide the attached response.
We appreciate your feedback on your BBB Rebuttal case. We understand you still have concerns
related to us violating your consumer right to privacy and our previous response.
We responded to your similar concerns with our response dated August 5, 2024. Please note that
we provided you with a clear, readable copy of ED’s privacy notice. Any information we share is in
accordance with the U.S. Consumer Privacy Notice, which offers you certain choices with respect to
the use and sharing of your personal information.
Please understand we have made every reasonable effort to respond to your concern. If we do not
receive new information substantiating your claim, we may file your concerns without additional
action.
If you have any other questions, you may call us at ************ from 8 a.m. to 9 p.m. (Eastern)
Monday, 8 a.m. to 8 p.m. Tuesday and Wednesday, and 8 a.m. to 6 p.m. Thursday and Friday. You
can also email ********************************************* or
Customer Answer
Date: 08/15/2024

Complaint: *******1

I am rejecting this response because: Provide the total account and general ledger statement showing the full and complete Accounting of the alleged obligation you are attempting to collect from me, signed and sworn to by the authorized person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and are able and willing to testify to the same under oath to that effect. Provide a true and certified copy of the complete audit trial of said account(s). Furthermore, please provide verification through the audit certification of debt entry in accordance with g.a.a.p., i.f.r.s, in accordance with basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also need a copy of your tax registration certificate. Failure to substantiate claim, DELETE ACCOUNTS IMMEDIATELY & INDEFINITELY!

Sincerely,
***** ******
Initial Complaint
Date:07/27/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Requesting my student loans be released and fully refunded based on school misconduct, consumer protection laws and the Holder in Due Course Rule. Loan: ******* Loan: ******1 Loan: ******* To whom it may concern, I am writing you to request the process for private student loan relief. Please send me information and an application to apply for the cancellation of my student loans on the basis of fraud and misrepresentation of my former school. I am entitled to a process for private student loan relief because of the school's misconduct. Career Placement Investigation In 2011, after receiving a subpoena from the New York attorney general’s office requesting information about its career placement statistics, CEC hired outside legal counsel to conduct an extensive audit and subsequently revised 2010 placement rates for 4* of its campuses to correct “irregularities.”1416 The 2010 job placement rates at all 4* campuses were incorrect, and 36 of those campuses’ newly revised job placement rates were below the campus accreditor’s minimum threshold of 65 percent job placement. 1418 These recent revelations of systematic misreporting by CEC also indicate the weaknesses of its accreditors’ verification of placement rates. These 4* campuses are accredited by the largest national accreditor, the Accrediting Council for Independent Colleges and Schools (ACICS). ACICS has stated that it independently verifies each program’s job placement rates. However, significant doubt is cast on this assertion given the broad scope of CEC’s falsification.
Business Response
Date: 08/01/2024
Pertaining to **** ******* federal student loan account we reviewed their concerns and provide the attached response.
Initial Complaint
Date:07/25/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Nelnet is continuing to be willfully They non compliance to the cfpb act. N Horrific elnet is in direct violation of 1681c-2(a) I filed an identity theft claim with nelnet on June 25 2024 to which the claim has not been blocked or answered in the appropriate time frame. Nelnet not only didn’t process my identity claim under 1681c-2 but they have not even processed my claim in the allowed time under 15 usc 1681i (a)(1)(a) to which they has 30 days to investigate incomplete or inaccurate information. This is the second time nelnet has not processed my claim or request ending in a violation of my right.
Business Response
Date: 08/02/2024
Pertaining to ******* ***** federal student loan account, we reviewed their concerns and provide the attached response

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