Consumer complaint received 2022-03-30
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Private Loans Upon reviewing my Private student loans and requesting promissory notes for three Signature Student Loans with Sallie Mae which is now Navient. I was given a hard time about obtaining proof of my loan for weeks I have been calling and speaking to representatives to let them know I did not take out these loans. Navient sent me three electric Promissory Notes/Applications. One of the applications was from XXXX XXXX  and the two other notes were from Sallie Mae. This is truly the scariest thing to happen to me. I researched for the past few weeks and called to speak to different XXXX XXXXk student lending reps to make sure I was receiving the accurate information. Today at XXXX XXXX I called XXXX XXXX  XXXX XXXX XXXX in XXXX, XXXX I spoke to XXXX XXXX ( Im not sure if I can add his name but I do have his name upon further request ). I provided XXXX XXXX  with three numbers at the top right corner of the form Customer ID Number:XXXX, the App Code:XXXX  and lastly the Prom Code:XXXX. I was informed none of those numbers are associate to XXXX XXXX. I asked Representative for his full name and his position with XXXX XXXX  so I can have documentation. He let me know he has worked for XXXX XXXX  XXXX XXXX for over 8 years, which is located at the XXXX XXXX XXXX in XXXXXXXX XXXX. I XXXX his name while he provided me his history and it aligned with his XXXX account. XXXX XXXX ran my social security number, and nothing came up with me ever having a loan with them. He told me XXXXXXXX XXXX is a competitor to Sallie Mae so they would never sell the loans to Sallie Mae or work with Sallie Mae. He provided me with the XXXX XXXX XXXX phone number for Law Enforcement needs to reach out XXXX Option 1. I have three loans that I did not take out with Sallie Mae. I asked him for a letter verifying I never had an account with XXXX XXXX but if anyone needs to call and confirm with XXXX XXXX, they are more than welcome to. The other two loans under Sallie Mae were not authorized by me and an authorized school official didnt sign off on the loan. My mom is from XXXX XXXXXXXX XXXX XXXX and she never signed to be a co-signer for this private loan. My school provided Sallie Mae with this information. 

Ive called Navient numerous times complaining about the loans Ive struggled to pay over the years. I was told by Navient representative that she has heard a few stories about these situations, and she advised me to file a police report. I wanted to wait to receive the hard copy of the Promissory Notes to be sent to me. I was provided three notes that I will attach that were never signed by a XXXXXXXX XXXX XXXX XXXX XXXX official. These three promissory notes were electronically filled out. By Law the university must stamp and sign to verify that the funds being borrowed from private lender is necessary for the completion of my education and it was not. Another requirement of a student taking out a private loan is for the student to sign a Private Loan Self Certification Form which I never filled out. Lastly as stated on the Sallie Mae Website, XXXX XXXX XXXX XXXX should conduct an Exit Interview to review any loans taken out to support my education : this never happened. My school has not given me an explanation for this besides I have to reach out to my current servicer which is Navient previously Sallie Mae. I have copies of all the documents discussed in this statement. I have proof from my school website and from Studentaid.gov of all of the issues. Reaching out to XXXX XXXX  and being provided the information regarding my student loan being fraudulent is a huge red flag for me and would like there to be an investigation of my university and also Sallie Mae. Thank you for your assistance.

Company response to consumer: Closed with explanation