Consumer complaint received 2020-11-03
Company: Navient Solutions, LLC.
State: TX
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:
First, I am making this complaint public so that others can see it on the CFPB website. If you are going through anything remotely similar with Navient you have options! There is an current class action lawsuit against Navient represented by XXXX XXXX XXXX XXXX. XXXX them and contact them directly! Now moving on to my complaint in regards to a 2nd forged form that I just received from Navient. 

Possibly created by XXXX XXXX in the Office of the Customer Advocate with no additional proof provided of how, why, where, when the 2 forms were received or returned. Navient refuses to provide the digital data certificate and audit trail that goes with all electronic signatures which would provide actual digital proof of electronic signatures. I have asked multiple times. They simply ignore these requests. This complaint is with the 2nd forged form ( created by someone at Navient possibly XXXX XXXX ) that only magically appeared less than 2 weeks ago ( AFTER I disclosed how I actually sign my name because of the first fake form created Navient ) even though prior to that XXXX claimed by email that she had sent me ALL documents and proof! 


The 2 typed forms are 7 years apart even though everything else Navient has on record was handwritten including signature ). 


Interesting Plot twist ; There was never supposed to be an electronic signature for this second form Since XX/XX/XXXX, XXXX has never provided the repayment plan 1 page typed form less than 2 weeks ago that I supposedly " signed '' and per her words requested on XX/XX/XXXX. Why would I request the payment plan in XXXX that was supposedly signed by me on XX/XX/XXXX? Make it make sense? She provided no proof of how I supposedly asked for the form nor how I received the form considering I wasnt living in Texas at that time. Because ... .. 

The instructions on the form clearly state to enroll in a repayment plan identified below, Sign AND fax this to us at ... ... OR MAIL it I just caught thought which means there was no electronic signature for this form! 

Also note, on the selected item there is a number 8 even though the instructions on the actual form clearly say check one. Why would anyone select a number 8 when common sense says to check or put an X on the form? 

Being that instruction clearly outline that I was supposed to select something to be approved for and send it back by fax or mail no information for email or to sign electronically ''. 

Prior to late this year I have never once spoken with anyone at Navient ( XXXX have provided no actual proof that I called them by phone even though she claimed Navient has spoke with me numerous times ) If she or anyone else actually spoke with me multiple times as you claim where are the recorded calls with my voice discussing any of this or where are the emails from the numerous conversations between XXXX and XXXX? Navient refuses to provide proof of all of that. 


I had no idea that the loans were consolidated and there was no need to consolidate in XXXX as I was in college at the time. XXXX ignores this point continously. 


She provided no proof of how I supposedly asked for the form nor how I received the form considering I wasnt living in Texas at that time. Considering instructions clearly state it must be faxed back or mailed only!! 


I only learned about Navient in XXXX when Sallie Mae sent an email telling me that my loans were being switched over to Navient and that there was nothing I needed to do. 

NEVER signed up for a graduated payment plan in XXXX to start XX/XX/XXXX. 

XXXX first claimed it is a consolidated loan but now says I signed up for this graduated payment plan for XXXX when funds were disbursed. When funds were disbursed the original promissory note has no mention of the graduated payment plan only the fake consolidated promissory note that XXXX XXXX created. Consolidated loans are NOT disbursed they are simply consolidated. 

Also, how could I predict a " graduated 2 year payment plan '' to start 15 to 20 years later? That makes no sense! 

There will be no payments to Navient until this is resolved as the loans were never authorized to be consolidated by me at any point. Navient did this to simply drive up compounded interest because the loan interest is bigger consolidated together rather than separated. 

Also since the beginning both Sallie Mae followed by Navient since XXXX constantly pushed electronic forbearances and deferments for over 20 years in email still never mentioning any loan was consolidated nor any mention of FFLEP. Never once called either company and they supposedly record conversations right so where is the timestamped audio with my voice on it? Again never knew the loans were consolidated and NEVER signed up for a graduated payment plan in XXXX to start XX/XX/XXXX. 

Navient has been sued by countless attorney generals in multiple states, by the CFPB, multiple individual lawsuits, and in multiple class action lawsuits. They have the most lawsuits filed by government agencies and individuals combined. That is a big RED Flag! 

There is an current class action lawsuit against Navient represented by XXXX XXXX XXXX XXXX. I encourage anyone reading this to contact them directly.

Company response to consumer: Closed with explanation