Consumer complaint received 2019-09-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been harassed regarding several private student loans that my son XXXX XXXX borrowed from Sallie Mae now Navient Student loan in XX/XX/XXXX. My son attended the University of XXXX for XXXX XXXX. He ask me to sign as a cosigner for one loan of XXXX. I had no knowledge that my son cosigned my name by computer for 3 private Sallie Mae loans in XX/XX/XXXX. In XX/XX/XXXX I filed for bankruptcy Chapter XXXX along with my spouse. During the bankruptcy 5 year period Navient never contacted me regarding any loan obligations that they purchased from Sallie Mae Private student loans. My bankruptcy Chapter XXXX plan ended in XX/XX/XXXX. I am currently XXXX XXXX and have not worked in 7 years, .I had 2 XXXX XXXX and 3 XXXX XXXX, 2 XXXX XXXX and 2 XXXX XXXX. The health problems that I have left me unemployed and dependent on my spouse for XXXX payments and unpaid medical bills. Navient has written, emailed and called my family members and neighbors regarding my son 's loans. I agree with Navient that the loans need to be repaid. I explained my situation to Social Security and Navient. In XX/XX/XXXX Navient agreed to send me a package of papers for the 5 doctors and specialist that currently see me for my total XXXX. I was told to send the forms to the doctors of record and they ( Navient ) would place my name for cancellation of these loans. Navient was sent all documentation from the XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. Navient refuses to remove my name from all these private student loans depite the paper work that the sent to me stating that they would honor the discharge from these loans if I would have the doctors to provide the information that qualifies me to be XXXX XXXX I have sent the letters to my son to remove my name as a cosigner on his loans. Navient tells me I can not request to be remove from his loans. They said only he can ask for my name to be remove. Yet Navient stated a cosigner name is only required for 2 years on their loans. Navient tells me by letter after they receive my paper work requesting discharge from the one loan I sign not three loans that my son XXXX XXXX signed. They stated we honor disbilities and will work with you at first, then they send a letter stating since your not the borrower we can not honor your request for loan discharge due to you being XXXX   XXXX. Navient refused to honor federal standards for private student loans. My credit is ruin by Navient charging 100 % interest he borrowed XXXX in private student loans for XXXX school. Now Navient reactivated the loans without my request to remain as a charge off on my credit report. All correspondence that is mail to me never includes my sons name XXXX XXXX. It only includes my nmae stating it is a joint responsibility account. If it is supposed to be equal responsibility as a joint account then why is Navient not honoring my request for permanent XXXX if they claim I have the same responsibility as the borrower. I wrote a complaint regarding this matter before in XX/XX/XXXX. Still today Navient is harassing me and refuse to accept my inability to pay the students loans that were sign in my name without my signature. Navient continues to say they have an electronic signature when I never signed but one loan for my son. It is XX/XX/XXXX and Navient is still harassing me and other collection agency robocall my home daily. I do have the paper work to show what Navient wrote me in XX/XX/XXXX stating they would work with me to discharge loans based on me being XXXX XXXX..My son is not disable and should pay Navient for their loans that he took out for XXXX school at The University of XXXX . I am just confused and frustrated that Navient lie to me and told me they would honor the discharge of the loans for as I am concerned. I did my part in sending them the documentation from Social Security and my doctors and Specialist that are in charge of my multiple XXXX. Navient sent the package for me to provide the doctors with to fill out regarding my conditions. Two months later Navient send a letter with no signature stating we honor disabilties but not for cosigners. This whole experience has taken terrible emotional stressors on me. I am unable to pay Navient for a grown son XXXX years old now and have not spoke with me in 7 years. I sent letter requesting him my son to request my name to be removed from any fradulent accounts. He returns the mail without opening it. I never cashed any checks or deposited any of Navient ( Sallie Maes loans ) in my account. If any name was sign it was forged by my son not me.

Company response to consumer: Closed with explanation