Consumer complaint received 2019-03-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My name is XXXX XXXX XXXX, XXXX Era Veteran XXXX, In XXXX to XXXX I was enrolled at the XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, CA. At the time I applied for several loans to supplement my education. The federal loan guarantor was Sallie Mae. I have been working in the retail industry for past 18-yrs. Retail jobs don't pay what they use too! We barely make enough money to pay our rent. Since XXXX of XXXX, I have been in school for the past three years, I filed an in-school deferment with XXXX in XXXX, after having completed a one-year payment rehabilitation program with XXXX. I was assured that my student loan was out of the default, then I received notice from Navient stating that my student loans were in default and was required to enter into a contract since then my federal taxes have been garnished each year XXXX. 
I spoke to Navient and asked them if they were connected to XXXX, they said no '', and that they have no record of me ever paying down my student loan or entering an XXXX  rehab program. I was also told by Navient that I could not submitt an in-school deferment because I was to far in default, and that this was the only option. 

Last week XX/XX/XXXX, a person named XXXX from Navient said that I could be a candidate for the fresh start program, and sent me an application. I was surprised to find out that the loan guarantor on the fresh start application is listed as XXXX, which Navient denies having any ties with that company. Below is a copy of the email I received from Navient. So my question is is this legal what Navient is doing, or are they committing fraud. 
I am a XXXX Veteran of the United States XXXX XXXX with service-connected XXXX, my education is currently being funded by the U.S. Department of Veterans Affairs Vocational Rehabilitation & Education Program. I have three dependents my wife and I make less than {$24000.00} a year, this is the reason I am pursuing an education to improve our situation.

Email sent to Navient : Hi XXXX, thank you for sending the PDF fresh start application. However, I have a question, I noticed that the application has XXXX listed as the guarantor, I was told by one of your representatives that Navient was not connected with XXXX. During XXXX, I entered into a rehabilitation program with XXXX to bring my federal student loans out of default, I completed the program only after making several payments to XXXX only to have XXXX refer my loans over to your company. Which seems to be one and the same. When I inquired with your company, I was told that no record exists of any payments made during this time. But yet your contract indicates that you are apparently doing business on behave of XXXX. Can you explain the reason for this! 
Thank you, XXXX XXXX The Attachment send by Navient : NAVIENT XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} $ {$13000.00} $ {$2100.00} $ {$15000.00} $

Company response to consumer: Closed with explanation