Product: Student loan

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : FINAL NOTICE - CEASE AND DESIST FROM ILLEGAL HARASSMENT & UNFAIR COLLECTION PRACTICES To Whom It May Concern, This letter serves as a FINAL DEMAND for Navient Corporation to immediately cease all unlawful debt collection activities directed at me. Despite my formal Cease and Desist Notice sent two years ago, you continue to engage in illegal, abusive, and harassing debt collection practices in violation of multiple federal laws, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Federal Trade Commission ( FTC ) regulations, and Consumer Financial Protection Bureau ( CFPB ) directives. 

Your willful and continuous violations include : -- Calling me at all hours of the day and night, including at XXXX AM, an egregious violation of 15 U.S.C. 1692c ( a ) ( 1 ), which prohibits communication at inconvenient times.

-- Calling me more than four times per day, which constitutes harassment and is explicitly prohibited under 15 U.S.C. 1692d ( 5 ).

-- Contacting me at my workplace despite prior notice that such calls are prohibited, violating 15 U.S.C. 1692c ( a ) ( 3 ).

-- Bombarding my email inbox with collection demands, a clear attempt to intimidate and coerce payment.

Continuing these unlawful actions two years after receiving my Cease and Desist Notice, constituting willful and reckless noncompliance under 15 U.S.C. 1692c ( c ).

Violations of the Fair Debt Collection Practices Act ( FDCPA ) Harassment and Abuse ( 15 U.S.C. 1692d ) Your excessive calls, including at unreasonable hours, constitute harassment under federal law. 

Unfair Practices ( 15 U.S.C. 1692f ) Your repeated unauthorized contacts and coercive tactics are unfair and unconscionable.

Failure to Cease Communication ( 15 U.S.C. 1692c ( c ) ) Upon receiving a written cease and desist, you are legally required to stop all contact except to confirm termination of communication or to notify of legal action. Your willful disregard is punishable under 15 U.S.C. 1692k ( a ).

Violations of the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) Regulations -- Unauthorized Reporting and Misuse of Consumer Information ( 15 U.S.C. 1681b ) If you have provided inaccurate or outdated information to credit bureaus in retaliation for my refusal to engage with your unlawful collection efforts, you have violated the FCRA. 
-- Failure to Investigate Disputes Properly ( 15 U.S.C. 1681s-2 ( b ) ) If you continue to report disputed debt without conducting a proper investigation, you are subject to penalties.

FTC and CFPB Enforcement Actions The CFPB has already banned Navient from federal student loan servicing and ordered it to pay {$120.00} million for illegal and deceptive practices ( Source : CFPB Press Release ). Your ongoing actions are in direct violation of this enforcement order and demonstrate continued willful noncompliance. 
Consumer Financial Protection Bureau ( CFPB ) and Federal Enforcement Actions Against Navient : Navient has a documented history of fraudulent and deceptive practices, as evidenced by the CFPBs 2024 enforcement order. The CFPBs findings concluded that Navient : Failed to properly process payments, harming millions of borrowers. 
Provided inaccurate information to borrowers, credit bureaus, and the federal government. 
Illegally steered borrowers into forbearance programs that increased their debt burden instead of informing them of income-driven repayment plans. 
Given these findings, your continued collection activities in violation of federal law only reinforce Navients established pattern of misconduct and abuse. 

Sincerely, XXXX XXXX Enclosures : Copy of Prior Cease and Desist Notice, CFPB Enforcement Order, Documented Call and Email Logs