Consumer complaint received 2023-01-25
Company: Navient Solutions, LLC.
State: AZ
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:
On Saturday, XX/XX/XXXX, I mailed via certified mail ( # XXXX XXXX XXXX XXXX XXXX ) a VALIDATION OF DEBT notice to Navient Solutions LLC, which they received on XX/XX/XXXX, in dispute of an alleged debt Navient claimed I owe. In said notice, I offered Navient 15 days to provide me with evidence of my indebtedness ( the original lawful contract, name and address of the original creditor, name and address of the holder in due course, documentation of XXXX accounting showing off and on ledger accounting, etc. ). Having not received the requested documentation of indebtedness from Navient within said 15 days, on XX/XX/XXXX I mailed via certified mail ( # XXXX XXXX XXXX XXXX XXXX ) a NOTICE OF FAULT AND OPPORTUNITY TO CURE letter, which they received on XX/XX/XXXX. In said letter I reasserted my consumer right to request evidence of my alleged indebtedness. I offered Navient 10 days to provide me with the requested evidence of alleged indebtedness, to which again they did not respond. Remaining in honor while protecting my consumer rights, on XX/XX/XXXX I mailed to Navient via certified mail ( # XXXX XXXX XXXX XXXX XXXX ) a CEASE AND DESIST NOTICE and an AFFIDAVIT OF TRUTH, which was received by Navient on XX/XX/XXXX. Again I offered Navient 10 days to honorably address my dispute and provide evidence for their claim. On XX/XX/XXXX, Navient reported delinquent payments to my credit report to all three credit bureaus, XXXX, XXXX, and XXXX, on an alleged debt that was in dispute, dropping my credit score over 100 points. They also reported the same information to my parent 's credit file, the co-signers to the alleged debt. This is a gross violation of my consumer rights, discrimination, and harassment, all of which are a clear violation of the FDCPA. In response to Navient 's actions, I continued my private administrative process by mailing them via certified mail ( # XXXX XXXX XXXX XXXX XXXX ) a NOTICE OF DEFAULT AND CONSENT TO JUDGMENT and a notarized CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM letter. In said letters I acknowledged again that Navient had yet to provide me with proper evidence of my indebtedness. Remaining in honor once again, even though they had unlawfully reported inaccurate private information ( identity theft ) to the credit reporting agencies during an open dispute, I again offered Navient one final chance to provide me with bonified proof of their claim. I even offered to accept their claim should they provide the proper evidence for it. Each of the letters mentioned in this complaint I also mailed via certified mail to XXXX XXXX, Navient 's CEO, XXXX XXXX, Navient 's XXXX, and XXXX XXXX, Navient 's XXXX, none of whom have lawfully responded to my dispute. This whole process has been a gross violation of my lawful consumer rights, and during this private administrative process, I and my parents, the co-signers, have been unjustly discriminated again and harassed. Navient has continued to try to collect on an alleged debt that they have provided no evidence for. I demand that appropriate legal action be taken for this issue to be remedied. No person should have to suffer what I, and now my parents, have suffered to simply be provided lawful evidence of indebtedness.

Company response to consumer: Closed with explanation