Consumer complaint received 2023-03-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Additional info on XXXX ... .not dupe. 

I had to declare XXXX  XXXX in XXXX due to my medical condition. Although I tried to get my stepson, a veteran of the XXXX XXXX, off of the 2 Private Loans I incurred to due having to help with payment while he was in XXXX, Navient, prior name, Sallie Mae , time and time again REFUSED to remove him although I was assured at the time I incurred the loan that having paid the loans there would be no issue removing him. 

In XXXX, XXXX, I had had multiple procedures, due to a Serious Health condition, and unfortunately, fell behind on my payments due to the financial mess the non-covered medical expenses left me in. 

In XX/XX/XXXX, my items were discharged except for my mortgage and car that I entered into reaffirmation agreements. However, although advised of the XXXX  XXXX, Navient stated that the PRIVATE STUDENT LOANS had to be paid although my XXXX  XXXX was discharged. They messed up my ability to get a lower rate on my re-finance and I was forced to pay them off over {$20000.00} to ensure my step son was removed and that this was the only way I could re-finance my loans. They kept bad items on my credit file and it took several complaints with the CFPB and Credit Bureaus, and XXXX  to correct my credit file. However, they illegally collected on the debt and illegally lied and kept my stepson on the loan. I had damages to my home during IRMA and the funds I would have used to repair my home, I had to direct to NAVIENT. A company that misleads, and lies to their consumer and ruins their credit reports. According to documentation I have read from the Bankruptcy Court and other attorney 's the 2 loans ending in XXXX and XXXX should have been discharged back in XXXX, instead of threatening me to pay them. They ruined my retirement funds and creditworthiness and lied on both the co-signer whose rights as a veteran should have been protected, yet NAVIENT gave every excuse and ran my credit multiple times instead of taking into account my payment history for the years that the co-signer was on there. They harassed me and said that I would negatively affect the co-signer when years and years I had asked to have XXXX XXXX XXXX  XXXX removed. This is an unethical company that feeds off of the sick, and less fortunate in order to profit. They do not follow the law. They lie to their customers and continously mislead their borrowers and mess up their credit files with erroneous reporting. I have filed a myriad of complaints. I worked really hard to recover both my health, physical, mental and financial and Navient made it almost impossible for me to recover financially as they made me pay monies I could have used to repair my home after IRMA, instead I had to take money out of my retirement to pay the deductible. The funds they made me pay in XXXX should be reimbursed in full and they should not touch my or my co-signers credit report ANYMORE.

Company response to consumer: Closed with explanation