Consumer complaint received 2020-12-23
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom This Letter May Concern ; I am writing this letter seeking consultation as it pertains to an issue I am currently having with the servicers of my Federal and Private Student Loans, Navient Solutions. Below you will find all of the factual information that I have been able to gather to date. This information has been gathered from my own personal records, multiple phone calls and/ or online databases. 

Attached to this letter I have included all of the available information that I have, as it pertains to this issue. This information includes but is not limited to current account summaries, documentation of telephone correspondence, signed agreements, contact information for all parties involved, definitions of terminology used and legislation that pertains to this issue. 

Lastly, I have included my personal statement regarding this issue. If by chance I have neglected to include any pertinent information please do not hesitate to contact me for clarity. 

I thank you in advance for taking the time to review my complaint and do hope to hear from someone in the near future. 

Statement of Events ( Most Recent to Most Distant ) : - XX/XX/XXXX : XXXX reviewed his Navient.com account to find no changes had been made. 
XXXX checked his physical mailbox at XXXX for any correspondence from Navient and/ or Navient Solutions. No communications or updates from Navient was found. 

- XX/XX/XXXX : XXXX spoke with XXXX XXXX  University, Financial Aid Advisor XXXX, regarding Federal Financial Aid and the rules and regulations that govern the program/s. The following information was gathered during this conversation Private Student Loans are not part of the Higher Education Act of 1965 or the William D. Ford Federal Direct Loan Program, ( Ref : DA Form 3286 page 3 to see how this information applies to this complaint. ) Private Student Loans are not covered under 20 U.S.C. 1087aa ( Federal Perkins Loans ) Navient, serving as a loan servicer to Private Loan lenders, is not covered under any of the aforementioned programs and/ or legislation. 

- XX/XX/XXXX : XXXX spoke with XXXX ( XXXX ) a member of the Escalation Team with Navient Solutions. The following information was gathered from this conversation. 
XXXX was able to see payments that were made through XX/XX/XXXX. 
Payments from the Department of Defense or other government agencies are not legally able to be applied to Private Student Loans. 
At least ten ( 10 ) payments, made on my behalf by the Department of Defense between XX/XX/XXXX and XX/XX/XXXX, were applied to my Private Student Loans. 
XXXX is told that a statement will be provided to him via mail that will include all account activity within 7-10 business days. 

- XX/XX/XXXX : XXXX spoke with XXXX  ( XXXX ) a customer service representative with Navient Solutions. The following information was gathered from this conversation. 
My Private Student Loans went into a Charge Off status on XX/XX/XXXX. 
My account reflects payments made between XX/XX/XXXX and XX/XX/XXXX totaling {$36000.00}, all of which were applied to my Private Student Loans. 
XXXX is told that a statement will be provided to him via mail that will include all account activity within 7-10 business days. 

- XX/XX/XXXX : XXXX gains access to his Navient.com account to review all current loan information. 

- XX/XX/XXXX : XXXX gains access to his StudentAid.gov  account to review all current loan information. 

- XX/XX/XXXX : XXXX retrieves his original, signed DA Form 3286 Statement of Enlistment which includes the qualifying language of the US XXXX LOAN REPAYMENT PROGRAM. 

- XX/XX/XXXX XXXX is contacted by the Financial Aid Office of XXXX XXXX  University  and was informed that he has depleted his Federal Financial Aid. 

- XX/XX/XXXX XXXX signs DA Form 3286 ; Statement For Enlistment United States XXXX Enlistment Program.

This document establishes XXXX  enrollment in the US XXXX LOAN REPAYMENT PROGRAM.

Company response to consumer: Closed with explanation