Consumer complaint received 2018-09-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Per Complaint No. : XXXX submitted, and having the reply from Sallie Mae, and the case closed ; it is hereby being re-submitted for due process as the response received is not an answer to the complaint. 
The question is, WHY DID SALLIE MAE DEFAULT MY LOAN during the XXXX-school semester while being serviced by Sallie Mae? 

Proof that Sallie Mae had loan and defaulted it is available from many departments. One only need call the University, or the Department of Education, loan consolidation department. Records can be provided showing Sallie Mae had possession of loan, and defaulted loan, thereby forcing me to consolidate it, because I had no money to pay off loan to make restitution. By consolidating loans, the department buys the debt, and places the loan in a grace period because you can not consolidate defaulted student loans, hence " Grace Period '', where the student is allowed to pay six monthly payments to rehabilitate loan into good standing so it can become consolidated and where Financial Aid can then be disbursed to the student again ..., Once loan was rehabilitated I was allowed to receive financial aid again and return to collegesee below where Sallie Mae said, in their response to my first complaint how they admit no wrong doing, when stating, ... Navient, then Sallie Mae, serviced seven Federal Family Education Loan Program ( FFELP ) Stafford Loans that transferred to us for servicing in XXXX XXXX, but failed to explain what happened to loan after Sallie Mae serviced GSL.

What did Sallie Mae do with GSL after servicing it? Where did it go? Why did it go there? What law/rule of the GSL Program states such actions may be taken against a student to default a loan while being serviced? Instead, Sallie Mae talks about the history of the loan in my first complaint, showing no knowledge about my loan, or the letter I wrote them in XXXX, where I accused them of wrongdoing and misuse of the GSL Program and where Sallie Mae still does not answer in a complaint filed with the CFPB, that one must submit yet another complaint. 


Sallie Mae goes on to say, These loans were in their Grace Period from XX/XX/XXXX until XX/XX/XXXX. The loans were then consolidated in XX/XX/XXXX. We did not service the consolidation loan. Navient, then Sallie Mae, did not receive and therefore could not deny an application for a student loan in XXXX .... 

Again this is Not the question, I never accuse nor say anything about Sallie Mae denying my application, as it was already approved for the entire year of XXXXit was denied the fall semester of XXXX, because Sallie Mae said it was in default before the fall semester started. 

Sallie Mae has no knowledge of my student loan, and continues to not answer why the loan was defaulted. 

Sallie Mae is the responsible party and where documentation to that effect can be provided. Where they never admitted any wrongdoing, ignored certified letters, and refused to answer first complaint as to why the loan defaulted. 

Note : Sallie Mae stated they were in possession of the loan in XX/XX/XXXX. 
How did loan go into a grace period if Sallie Mae had it? The only reason I was in a grace period was because Sallie Mae defaulted the loan and I was paying restitution on the loan. 

Please forward for a formal hearing as this process is not working, where Sallie Mae is ignoring questions asked. Why did Sallie Mae default student loan, as they were in possession of loan in XX/XX/XXXX? If proof is needed of letters written by Sallie Mae, stating they were defaulting loan for nonpayment can be provided. However, the GSL Program states, " ... loans can not be defaulted if one is a full time student ... ''. 

I want to know how did a guarantee student loan program default my loan when all required documentation is proved and available to any party for proof. No one at Sallie Mae would answer this question in XXXX, and still did not answer this question in first complaint. 

Sallie Mae said in first complaint, the loan was transferred to them for servicing in XX/XX/XXXX, where did it go after that? Why did it leave their department if they were servicing it? 

Sallie Mae, when denying my rights as a student to an education through the use of the GSL Program where no one can be denied an education through the use of this program violated the Guaranteed Student Loans Program rules, and the laws of Title IV Monies. 

Sallie Mae Defaulted my loan, according to the Department of Education, and XXXX XXXX XXXX XXXX, and why this complaint has been ongoing, as Sallie Mae still has not answered first complaint. 

Why was I denied my right to an education? Why was Loan Defaulted and not allowed Financial Aid upon returning to college in XXXX fall semester, driving sum five-and-half hours, only to find out Sallie Mae said I was in default of my student loan. 

I read promissory note, and rules on Title IV Monies of the GSL Program, and what has happened to me, can not according to its own rules and the Laws that Govern them. 

Again, how did the loan go into default Sallie Mae?

Company response to consumer: Closed with explanation