Consumer complaint received 2018-10-31
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir/ Madame My name is XXXX XXXX , I am writing in regards to Navient/ XXXX XXXX XXXX from whom Ive been trying to obtain the original signed promissory notes/ loan documents for student loans I supposedly signed for. 
After finishing my studies in XX/XX/XXXX from XXXX XXXX  in Florida, I contacted Sallie Mae to consolidate my student loans and my loans were consolidated. After graduation, I worked for a time and I became unemployed. I reached out to XXXX XXXX to apply for hardship deferment, but I never received a response from XXXX XXXX in regards to my requests. After several attempts, I received a phone call from a company who identified themselves as Navient/ XXXX XXXX XXXX  . They stated, they were the owner of my student loan and all payments going forward will go to them. I requested for them to provide the original signed promissory notes /loan documents to verify they were in fact the company that service said loan. From XX/XX/XXXX until present day Navient/ XX/XX/XXXX   has not provide any such documents. 
I have contacted Navient/ XX/XX/XXXX several times in regards to my student loan, so that I will have an option to have the loan with an estimated balance of {$15000.00}, place in deferment due to inconsistent employment ; however, I was told the loan will be place in Forbearance instead of Deferment. 
I provided Navient/ XXXX XXXX XXXX documents stating that I was unemployed and was receiving government assistance, so I should be automatically qualified for Deferment ; instead I was told I was not eligible and the loan will be sent to Default. 
I have made several follow up calls indicating I was still unemployed, and sent Certified Letters to Navient/ XXXX XXXX XXXX requesting to have the loan place in deferment and provide the original signed promissory notes/ loan documents, but I never received any response to my requests instead I received several e-mails and letters demanding payments. 
Upon review of my credit reports, I was stunned to find out not only do I have several loans totaling {$83000.00} along with my original consolidated student loan of {$15000.00}. In addition, I filed my XX/XX/XXXX taxes and did not receive a return. I contacted the Internal Revenue Service inquiring about my return ; I was told the money was taken by the US Department of Treasury via a request of the Department of Education/ Default Offset Unit. I never received a letter from Navient/XXXX XXXX XXXX stating that I was in default on my student loan. 
I called the XXXX XXXX XXXX/Default Offset Unit in reference to the tax off set. I was informed that they sent a letter to XXXX, VA stating that my money will not be granted due to my defaulted loans. When I asked which address the mail was sent to, they were unable to provide that information. I am currently homeless and dont have a place to stay. Upon further inquiry on how to get the money back, I was told unless I am in Foreclosure or Evicted from my apartment that the funds will not be reimbursed to me. I asked the representatives, which I have their first name and Id numbers, if I can speak to a Supervisor or someone in management in order to have the funds return until I can resolve the issues of obtaining the original signed promissory notes/ loan documents stating that I was in truth the holder of {$83000.00} in student loans, which I believe is fraudulent and are not my student loans. 
Ive tried on several occasions to reach upper management at Navient and XXXX XXXX XXXX but I was unsuccessful. I was told by call representatives at XXXX XXXX XXXX that upper managements do not pick up calls nor answer questions. 
I am requesting your assistance to resolve this matter in regards to said loans to obtain the original signed promissory notes/ loan documents, as well as removing all those fraudulent loan accounts from my credit reports. I would like to have Navient and XXXX XXXX/ Offset Default Unit to dismiss my alleged loans, if they can not provide me the original signed promissory notes/ loan documents. It is severally affecting my ability to find work or complete a security clearance due to these loans that are under my name and credit reports. 
I will like to request the return of my XX/XX/XXXX tax refunds that was off set from The US Treasury Department to the XXXX XXXX XXXX, so I can begin the process of getting back on my feet. I am in the process of filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Navient and XXXX XXXX XXXX. 
The individuals I spoke with at the XXXX XXXX XXXX as listed below by First name and ID number. 
XXXX Id # XXXX XXXX Id # XXXX XXXX Id # XXXX XXXX Id # XXXX XXXX XXXX Id # XXXX XXXX XXXX UPPER MANAGEMENT Sincerely, XXXX XXXX Service List XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX Attention : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX NAVIENT XXXX XXXX XXXX XXXX, PA XXXX CONSUMER FINANCIAL PROTECTION BUREAU PO BOX XXXX XXXX, IA XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX G XXXX XXXX. 
XXXX, D.C. XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX. 
XXXX, D.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX, D.C. 
XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, D.C. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX

Company response to consumer: Closed with explanation