Consumer complaint received 2023-06-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name is XXXX XXXX, and I am writing to you today to file a complaint against Navient. I called Navient on XX/XX/2023. The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX, defrauded me. 
The response I received from the Navient customer service representative was that Navient could not help with this. The representative told me that it was an issue between me and the school, and the money was given to me in good faith and that it would need to be paid back. He said he spoke to his manager and that there was nothing on their end that they can do. 
I then sent a written summary of this call and asked for more information about what the representative said to the general Navient email account as well as to the Navient office of the Customer Advocate. 
On XX/XX/2023, I received a communication from XXXX XXXX, from the Office of the Customer Advocate ( I have attached a copy ). In the communication, XXXX said that theres no discharge program available at this time for students who claim a defense to repay a private loan due to misinformation or the quality of education they received at their school. Were not able to respond to any information or guidance provided by a customers school, financial aid advisor, or other financial advisor. You are welcome to review your enclosed Loan Agreements for any additional legal remedies that may be available to you. 
I believe there is a problem with these responses and there should be a process for providingme with more information and relief. 
In addition, I have also requested documents for Navient pursuant to California Civil Code section 1788.202 and section 1788.102. On XX/XX/2023, I requested ( XXXX ) A complete transaction history for the loan ( XXXX ) The name of the owner of the loan ( XXXX ) Any payments, settlement, or financial remuneration of any kind paid to the creditor by a guarantor, surety, or other party not obligated on the loan, if applicable ; ( XXXX ) Documentation establishing that the creditor is the owner of the specific loan at issue. including all assignments and written evidence of transfers of ownership. These assignments should include the account number, my name, and the date of each transfer or assignment. They must be the documents by which each creditor or assignee acquired the loan, and not prepared after the fact or in response to this letter; and ( XXXX ) A copy of all pages of the contract, application, and any other documents evidencing my supposed liability for the loan, stating all terms and conditions applicable to the loan. Navient responded to this request on XX/XX/2023. However, they only appeared to provide ( XXXX ) from above, a complete transaction history of my loans. They did not provide any of the information I requested on my loans ( XXXX ). 


Having attended XXXX has left me with significant debt and a worthless degree, leading among other harms to financial and emotional distress. The weight of the debt has limited my financial freedom, hindered my ability to pursue career and personal advancement, and created a constant state of stress and uncertainly in my life. My mental and physical health have diminished and I am always in a state of panic and fear. The consequences of attending a defrauded school extends beyond my own life and has had a profound impact on the lives of my co-signers, who supported me, further highlighting the far-reaching harm caused by such deceitful educational practices.

Company response to consumer: Closed with explanation