Consumer complaint received 2018-10-09
Company: Navient Solutions, LLC.
State: MA
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:
The start of this issue is further then just the Debt of this loan as there are 2 fraudulent loans open in my name. I have tried with both Sallie Mae ( the original lender ) and the U.S Dept. of Education to look into this matter. I started my education with XXXX XXXX in XXXX Ma in XX/XX/XXXX. Half of my financial aid was covered by a " pell grant '' while {$4000.00} was taken out as a loan from Sallie Mae. Due to hardship in not being able to find a job at the time my loan was put on forbearance and default for some time. It wasn't until 3 years ago that I noticed on my credit report that there were 2 additional loans in my name for the same school and time. I never opened these loans and would have no need to open up three student loans for a 7 month program. I contacted Sallie Mae, Navient and the Department of Education about this and nothing was ever done. I have to say that I was not able to keep up with this due to my XXXX and did not revisit the matter until XX/XX/XXXX. The reason it was revisited was due to the Dept of Education snatching my taxes without warning. When contacting them about the lack of receiving this information I was given the run around and basically told that there was nothing that can be done. I then pressed the issue again about the additional loans that were fraudulently taken out in my name and was told that there would be a form sent to me that I need to fill out and send it back as soon as it completed. I did so and this took place in XX/XX/XXXX. I have heard nothing back from the Dept of Education about this matter, and was forced to contact them again due to receiving a letter from the Dept. of Treasury that my XXXX funds are in danger of being garnished. So I yet again contacted the Dept of Education on Tue. XX/XX/XXXX and inquired as to why I have heard nothing about the my request to look into why there are 2 other loans in my name that I did not authorize or sign up for? I was then told by a rep that a decision was made and they denied my request to not only look into this matter but adjust the loans accordingly and supposedly sent the letter out on XX/XX/XXXX. Needless to say that letter was never received on my end and they have all the correct information to where it should have been sent. My complaint is the lack of concern or even looking into the fact that either XXXX XXXX of XXXX MA or Sallie Mae opened up 2 additional loans in my name with out my consent or knowledge and I am now being help financially responsible to repay this money.I am a single mother who is XXXX and can not work due to my XXXX. The Dept of Education is threatening to with hold 15 % of my XXXX funds ( which is barely enough to survive as is ) and seem to have no care for the fact that loans are being taken out fraudulently against borrowers knowledge. They also seem to be not so concerned with the fact that the letters they are " supposedly '' sending out are not being received. If I never received a letter from the Dept of Treasury with this information I would have never known that money was going to be with held from check until it was to late to do anything about it or that they basically rejected looking into the fraudulent loans taken out in my name. In XX/XX/XXXX the Dept of Education took close to {$7000.00} to repay these loans and looking at my credit report I still owe them a total of {$10000.00} ( broken into 3 separate loans one for {$4800.00} - one for {$4000.00} - and one for {$1500.00} ) These loans total almost {$18000.00} for a {$4000.00} original loan. I need help and I have no idea who I can turn to about this matter.

Company response to consumer: Closed with explanation