Product: Student loan

I hope this message finds you well. I am writing to request an investigation into XXXX handling of student loans in relation to alleged misconduct by educational institutions. There have been widespread reports and personal experiences indicating that XXXX practices in addressing issues of school misconduct are inadequate and warrant serious review. 

Several issues have come to light, including : Inaccurate Information : I have received misleading or incorrect information about their loan terms, repayment options, and eligibility for relief related to school misconduct. 

Mismanagement of Accounts : There are reports of improper application of payments and mismanagement of accounts, which have led to unnecessary financial strain on borrowers. 

Lack of Support for Misconduct Claims : Despite evidence of school misconductsuch as false advertising or breach of contractborrowers have struggled to receive appropriate remedies or discharges from Navient. 

1. XXXX XXXX forced me to complete a speech in my workplace if not I would fail the class and I advised them I worked in a hospital. FF I complete the speech record it to send it to class which I got a D in. OnXXXX day later I was fired by my job for HIPAA Violation 2. XXXX told me about a private student a loan, they stated all students do it to help with bills and I could consolidate the loan only to find out years later that was not the case. 

3. I've reached out to Navient for years about this and they stated it was nothing they could do about it. Never advised me of the " School Misconduct Form ''. I request this form 3 times and they never sent it. I had to XXXX the form in effort to obtain it. 

XXXX. I submitted my " School Misconduct form on XX/XX/year>2024. and provided my borrowers defense letter. I called one week later and I was advised my form was received on XX/XX/year>2024. That it would be reviewed in 30 days. 

5. Today XX/XX/year>2024 I called and I was told my application was denied on XX/XX/year>2024, and I was notified on the XXXX of XXXX. I said I submitted the application on the XXXX so how was I called on the XXXX and today is the XXXX of XX/XX/scrub> 2024. 

I am almost in default as I can not make the payment and the balance in not going down at all. When I got the loan I was told there would only be 3 % interest on the life of the loan, only to find out not the interest rate changes. 

Navient continues its deceptive practices. Please help I also sent Navient my approved Borrowers Defense These issues have significantly affected borrowers, causing financial hardship and emotional distress. Given the critical role the Consumer Financial Protection Bureau ( CFPB ) plays in ensuring fair practices in financial services, I respectfully urge your office to investigate Navients practices and their handling of student loans related to school misconduct. 

If needed, I am willing to provide further details and documentation to support this request. Your attention to this matter is greatly appreciated, and I look forward to any actions that may be taken to address these concerns and ensure fair treatment for all affected borrowers. 

Thank you for your time and consideration. 

Sincerely,