Consumer complaint received 2023-07-07
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I was reviewing the Navient XXXX in reference to XXXX loans. I noticed a loan that is a XXXX XXXX Loan. I notified Navient and requested documents. I was provided with documents that contained a signature and no date. The signature is of concern as it is not an original signature. I continued to request the credit application, loan agreement, and disclosure along with any documents attached to my name pertaining to this loan. I called Navient multiple times because I never received the documents I requested. This year I notified Navient I would be seeking legal action. When I informed Navient I would seek legal action the loan disclosure and agreement were sent to me. 
I called XXXX and obtained a school ledger with payments and there is no history of a XXXX XXXX. 
I requested a copy of the cashed check to verify the signature and Navient informed me that they did not have a copy of the check. I requested the name of the bank along with the bank account number that the check was deposited into to validate that I did not cash a check although Navient was unable to provide me that information I was informed when I called Navient. 
I reviewed all my bank statements which validate I did not cash a check for the loan amount of {$6000.00}. 
It is extremely concerning after years of requesting the disclosure for this loan I received it this year after informing Navient I will be seeking legal action. Not only did I receive XXXX disclosure after informing Navient that I would be seeking Legal Action I received a second disclosure There is no exception to changing dates on disclosures and if something is changed the consumer should be notified and provided a copy which I was never notified of because this is not my loan. 
I have tried to resolve although Navient has not been of no assistance. I requested all payments be returned with interest. If Navient is not going to return my money with interest the course of legal action will be the next step. 
I have attached all documents that contain this matter that validate I did not authorize this loan. The loan application has a signature that is not consistent with my signature, the application is not dated, the documentation required pertaining to salary is not correct for that year, and all other highlighted fields that were left open or have missing information. 
As for the gross annual salary which is incorrect if Navient will also provide the documents that were provided to income. 
Please note the second bottom left corner that has numbers XXXX as the other pages do not. The second-page border to the right does not have the same writing as the first and second pages. 

The wet signature is of concern along with the typed signature neither are consistence in a form that I would sign. 
Navient was not sending statements monthly up until the past year when I addressed concerns over this loan. I requested multiple statements be sent USPS although Navient did not honor my request for paper statements. On the payment history, the late fees are due to Navient 's noncompliance with not sending paper bills. Reviewing my tax information from XXXX up until XXXX Navient did not send XXXX yearly. However, I did receive XXXX XXXX dated XX/XX/XXXX and others dated XX/XX/XXXX which are and which is Reviewing the Navient portal this morning I also noted concerns pertaining to the listed owner. Last week the lender/owner of this loan was Navient XXXX XXXX XXXX XXXX This morning the owner of this loan is Navient Credit Finance Corporation. 
Every time I call Navient in regard to this matter the response is " We can confirm the check was cashed '' If that is the cashed I ask that Navient provide confirmation to resolve this matter. 
The lender on the Navient XXXX was Navient XXXX XXXX XXXX. Although this week the lender is Navient Credit Finance. I am requesting Navient provide the XXXX  number for the " Navient XXXX XXXX to validate that this lender exists and can practice in Massachusetts. Navient Credit Finance is listed as the lender on the Navient which appeared this week as the lender is listed under XXXX XXXX XXXX XXXX although XXXX for Navient XXXX XXXX Loan is not listed on the XXXX website or has an affiliation with that XXXX  number. 
I understand a company may have multiple trade names under XXXX XXXX. Although NAVIENT XXXX XXXX XXXX is not listed.

Company response to consumer: Closed with explanation