Consumer complaint received 2019-09-23
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:
I have recently filed a claim with the Consumer Financial Protection Bureau. ( Case # XXXX ) Navient refused the claim stating that this complaint lists someone the company does not recognize as their customer or their customers authorized representative. Not only is this a completely false statement, it is in fact, the essence of my complaint against Navient. Navient has been authorized to speak with XXXX XXXX on more than one occasion and has spoken to XXXX XXXX on more than one occasion regarding the loans in question. Further, enclosed with the original complaint, was a Power of Attorney authorizing XXXX XXXX to act on my behalf. 



LET ME BE CLEAR, by this letter, I am formally authorizing XXXX XXXX to handle ANY aspect of my claim against Navient and to discuss, negotiate, settle or take any action he deems necessary with regard to any student loans in my name with Navient. The aforementioned Power of Attorney has never been revoked and remains in full force and effect ; therefore, representatives from Navient and its related entities, as well as representatives from the Consumer Financial Protection Bureau may deal with XXXX XXXX as if they are dealing directly with me. 



Navients refusal to deal with XXXX XXXX regarding this complaint is a continuation of Navients deliberate attempt to disassociate XXXX XXXX from the Parent Loans we took out for our childrens education, thus preventing us from taking advantage of any benefits offered to XXXX veterans. Navient has been aware of XXXX XXXX status as a veteran since the first FAFSA application was filed and for every FAFSA application since. For this reason, Navient deliberately left his name off of all the student loans. By doing this, they could deny us the benefit of loan forgiveness for XXXX veterans and more insidiously, could deny us the benefit of loan forgiveness at his death. As it is a statistical probability that he will die first, thus terminating the loans, Navient chose to issue the loans with no mention of his involvement. It serves their purpose to keep a widow on the hook in order to collect loan payments for a longer period of time. Under the terms of these loans, this longer period of time would be for the duration of my life. 



Based on my research, this appears to be Navients standard operating procedure. The only options for relief offered by Navient result in loans being consolidated at predatory interest rates extending into perpetuity. If you want to pay your bills and try to keep a decent credit score, prepare to sign away any benefit a college education might afford you. 



I demand that Navient recognize that XXXX XXXX is equally responsible for the Parent Loans we took out together for the education of our children and afford him the benefits available to all 100 % XXXX veterans. 



XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The Woodlands, TX XXXX O : XXXX F : XXXX C : XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX XXXX XXXX : This XXXX and any attachments are confidential and may be protected by legal privilege. If you are not the intended recipient, be aware that any disclosure, copying, distribution or use of this e-mail or any attachment is prohibited. If you have received this e-mail in error, please notify us immediately by returning it to the sender and delete this copy from your system. Thank you for your cooperation.

Company response to consumer: Closed with explanation