Consumer complaint received 2022-05-24
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was able to get my student loans discharged because of XXXX XXXX XXXX XXXX According to Navient my daughter, XXXX XXXX, ( the co-signer ) was not told of what she or the borrower ( XXXX XXXX XXXX ) could/should do to have the co-signer be released after the loan was discharged/or dismissed. The information was looked up on the web. 

1. I was given a XXXX XXXX  XXXX  XXXX status. ( XXXX ) 2. The loan was discharged due to a XXXX XXXX XXXX  XXXX status. 

3. Navient told me over the phone that they could not talk to me about getting the co-signer released because the person who signed must call them and I found out they were lying because the borrower is the only one who can apply to get the co-signer released, this was stated on Navient 's website.

4. I called Navient and was told the co-signer had to call them and that I had no obligation to the loan anymore and they could only talk to the co-signer. 

5. This was a loan that should have been discharged with the original discharge when I received the XXXX XXXX XXXX  XXXX  status. The loan was from XXXX.

6. I was notified by the IRS that I owed taxes on this loan {$4400.00} and, that is how I found out about it. 

7. This loan should have been placed with all the other loans that had been discharged but I did not know until the IRS wrote me about the taxes due. 

8 The IRS was paid the taxes in XXXX. 

9 The co-signer is being held responsible because I did not and she did not know about applying for the co-signer to be released. 

10. I was not making any payments on the loan that Navient is making her responsible for and the forms to apply do not address the co-signer release for a borrower 's loans that got discharged through a XXXX XXXX  XXXX  XXXX status. I, the borrower could not apply to have the co-signer released after the debt was discharged. The borrower and co-signer were never notified or told this information. 

Due to the debt being discharged for me, the borrower, Navient stated that I could not discuss the matter with them of getting the co-signer released because neither the borrower or co-signer knew anything about this debt until the IRS came into the picture. I could have helped the borrower by making some kind of payment over a certain amount of time. The co-signer has quite a bit of debt ( XXXX dollars ) of their own that they are trying to payoff. I am writing CFPB because if my debt was discharged, the money is no longer owed and I could have done something to try to help the co-signer get released. I was not able to obtain any original documentation from Navient about the loan, the amount of the loan or even who the original loan came from. I believe based on this information the co-signer needs to be released because neither the borrower or co-signer were informed that application could be made to have the co-signer released from the borrower 's loan. Can someone help with this issue? Please advise.

Company response to consumer: Closed with explanation