Consumer complaint received 2021-07-09
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Good Day I have previously made a complaint in reference to my student loans and requested information on what type of student loans I have. The company advised that my loans were transferred, and I have FFELP loans which I have no information on or can see when a transferred occurred in my account details online. In addition, I have also requested all my statements and payments made on this account. I have yet to receive any statement since this account was established. I checked my emails and somehow statements that dated back to XXXX are no longer available on Navient 's site, but they were before. It showed all of my balances, payments made, etc. I have no way of knowing what my balances were and account details on what occurred on my account to ensure the accuracy. I have attached a complete view of all I am able to see on my account that is dated back to XX/XX/XXXX although I have been out of school since XXXX. My statements should still be there. It has been a few weeks now, maybe a month where they advised they would provide my statements and have not. Please see the attachment. This information on my statement is vital as one student loan was paid off that was around the same amount that Navient is advising that I owe. I would like all of my statements provided to me in a timely manner. This is my 2nd request. 

I do not want to speak to Navient customer service as they are rude and unprofessional. I prefer email to contact me and discuss. I have mentioned previously that I am a XXXX and have yet to be contacted by someone who can assist veterans in Navient. 

In addition, on XX/XX/XXXX, I received a notification that my account was in forbearance from XX/XX/XXXX - XX/XX/XXXX. I have attached the correspondence in this complaint. I still received 7 delinquency notices during this time that affected my credit, although per the letter my account was in forbearance. Navient changed reporting terms from on XX/XX/XXXX not in XX/XX/XXXX when they notified me my loan was in forbearance, no correspondence was sent in XX/XX/XXXX indicating my loan was in forbearance during covid. Instead Navient chose to report to the credit bureaus non payment during the pandemic then change terms on XX/XX/XXXX to what ever they feel is necessary for them. My credit report for Navient looks like a jigsaw puzzle as many times as this company has changed my account status in the past year is sad to us hard working employees who like myself were essential during the pandemic working for the city government. I am requesting to be contacted by email or the conversation will continue in this complaint. I do not want to speak to a Navient representative, because they are not nice and they give me anxiety. This is ruining my credit since the last year and I have no way to tell any payments or confirm what student loan I paid off of XXXX that could be this account. This again is because I have yet to see any statements from prior to XXXX on my account, which were there before. 

From the attached statement " This forbearance will not count against your voluntary forbearance time. 
Interest will accrue during the forbearance period but will not be capitalized ( added to your principal balance ). 
If your loans were past due, theyve been brought current. Accrued Interest for the delinquent period will be capitalized ( unless youre receiving this as a result of the recent COVID-19 pandemic ). Keep in mind, any previously reported delinquency information will not be removed from your credit report. This Accrued Interest may be capitalized upon certain subsequent conditions as permitted by law and your promissory note. ( See important disclosure section. ) "

Company response to consumer: Closed with explanation