Consumer complaint received 2019-11-17
Company: Navient Solutions, LLC.
State: NJ
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:
Please see my feedback in the attached document. Navient has NOT resolved this issue. They can not provide any documentation regarding the alleged phone call requesting that funds be reallocated from a CLOSED account to an OPEN account. 

I AM REQUESTING THAT CASE # XXXX BE REOPENED. 

I need to see some documentation regarding this loan. They can not provide me with any paperwork regarding redistribution of the loan, nor can they provide any statements regarding payments and balance due. I did not receive a statement regarding this loan for 10 years. I've never heard of such a thing. I requested the documents, but they did NOT provide them. Please help. Thank you. 
Below is my feedback and attached is the original complain document : Your feedback : THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The company, Navient, is lying regarding my student loan account. There is no other way to put it. In their response, they state that they received a phone call from me requesting payments be reapplied to all loans. I deny this claim by Navient! What company takes a VERBAL request without following up with any WRITTEN documentation? Also, how can they even take funds from a CLOSED loan and re-allocate them to another loan? ( The loans in question were for my son, who was still in school at the time. Why would I pay off a smaller loan and re-open the larger one with greater interest? ) This makes no sense! Navient claims they sent notices on the day the request was made and when the adjustments were made. I have no paperwork regarding this and Navient has not provided me with any copies although I have asked numerous times. They also state that " Our review confirmed that you received a bill each month which advised the balance due as well as the next due date. '' This is absolutely NOT true! When I told the supervisor, at Navient that I had no bills or statements, she said I could find ALL the history on the Navient website. There is no paperwork there either. The only bills/statements I received began in XXXX, XXXX. There is a 10 YEAR gap from XXXX through XXXX. XXXX on the Navient website. Navient also states that all attempts to contact me went unanswered until XXXX, XXXX. This also is untrue! I contacted them in XXXX and XXXX by phone. I was told that they would look into it and get back to me. ( The representative couldn't understand what was going on either. ) It was in XXXX, while I was waiting on a response from them, that I found out that they destroyed my credit. I immediately called Navient and asked to speak with a supervisor. I have always maintained a very good credit score as I know how important my credit report can be. I feel that Navient has been untrue about their record reporting and statements they are giving you. I am requesting that you re-open this case and get me copies of the missing paperwork that Navient allegedly sent me regarding the original re-allocation of the funds. I would also like a copy of the alleged bills and statements they sent me each month for the last 10 YEARS. Thank you for any assistance you can give me. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I fell that Navient is being dishonest in their response and I would like to re-open this case. Thank you. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS The company, Navient is basically lying regarding their response to this inquiry. They clearly did something fraudulent here and are trying to cover it up. I would appreciate any help you can give me in this matter. Thank you.

Company response to consumer: Closed with explanation