Consumer complaint received 2018-03-12
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have actually been complaining about these loans since 2008, but have mostly been complaints about the school because I knew with the records I have that XXXX university had stolen funds in non disbursement-lied about job placement/credit tranfer/ would not give records to transfer/ gave false info on classes taken and when/ forced non arbitration agreements/had Financial aid tell me to lie on fafsa-which I did not/ lied about course load/ and lied about what agreements I had with loans including interest rates etc- which on the signature loans I never saw the interest and was told we were only seeing if I could get the loans not actually taking- they also changed my parents income so I received less in federal aid which I had received in past and future colleges- on and on- In my original complaints I cited some issues with the lender including question of collusion, but could not tell due to their spotty records if they were at fault also. I tried to keep these in good standing while I reached out to fl attorney general, dept ed., This group. state senators, attorneys, and eventually joined several class actions and borrowers defense to repayment. I Tried to keep in good standing when I had issues with my lupus and took time off and was told only forbearance was available to me- I tried to keep in good standing during my final year of XXXX school when they tried to collect from me while I was still in school and there is literally nothing I signed ever ever that says they can do this while I am a XXXX XXXX XXXX who was also XXXX, had XXXX high risk XXXX, and working/and trying to complete XXXX school- I asked them again for at least the 7th time since I left the college what I could do they denied all options then eventually offered me forbearance after a lot of back and forth- then they offered me a XXXX dollar discount on a XXXX student loan payment while I was still in college and they constantly will harass, lie about options- tell me one thing then I find out that's not accurate till I finally said well Ive long disputed these and while I tried to keep them in good standing while I fought it out I cant do this when they give me no options and with all the false fees and charges they have along with the colleges discrepancies I would do better to see a judge- so that is what I told them- I am a hard working XXXX XXXX with XXXX and a history of XXXX I busted my XXXX to start college all over again with no money and a useless degree from a fraudulent college only to face one thing after another with the lender also lieing and not working with me while I tried to follow the rules/laws out there though few to protect students. I have witnesses to several of the convos because they started being so dishonest I would put it on speaker and agreed my mom could also talk because my high risk XXXX and XXXX at that time combined with the constant issues with the loan company were making me ill and I was concerned for my child. There is a lot more I could say about this but this is the basic premise. I was also never given any other loan options, and this loan company was a programmed number on the colleges phone - seems sketchy as I have stated before- but they have now definitely created issues on their own- the disputed amount for the private is XXXX when the original was around XXXX and they never send me a complete record going back to the original and the years in between and the numbers do not add up-

Company response to consumer: Closed with explanation