Consumer complaint received 2018-08-06
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
It appears that when our original application for a student loan was processed I was placed on the loan as primary borrower. I was always under the impression that the primary borrower was individual that would be going to college. The cosigner was the one that accepted responsibility only if the primary borrower was unable to pay. Usually a cosigner was needed because the primary borrower could not qualify on their own. If funds were dispensed on my behalf to XXXX University then I wonder where they were applied since I never went to college. The account currently keeps showing that nothing is owed but my daughter has been making payments in good faith. I filed bankruptcy XX/XX/XXXX which is about the time the account quit showing that a balance was due. The bankruptcy was discharged XX/XX/XXXX. She made payments before I filed bankruptcy where amounts over a hundred dollars were applied to the principal. There was a break of 5 months where no payments were made while she was on maternity leave from her job. My daughter set payments up on auto pay and the payments were all applied towards the interest until the last one where {$2.00} was applied to the balance. 
She is trying to consolidate her student loans but has run in to a road block due to the error in processing the original application that made me the primary borrower. The consolidating company states that they are unable to consolidated the Navient loan unless she is the primary borrower. Attempts to correct this have fallen on deaf ears. A XXXX XXXX (? ) with the Navient office of the Customer Advocate did call me after I sent an email to the CEO XXXX XXXX. I have returned her call two times but have not received a response back. I need to have this issue resolved. Correcting this issue is a win win situation for both parties. Navient gets the loan paid off which will add to positively to their statistics, it avoids a loan from falling into delinquency and it aids a  hard-working borrower to receive relief from the higher interest rates. 
Below are the recent payments Date Description Principal Interest Fees Total XX/XX/XXXX PAYMENT ( {$2.00} ) ( {$360.00} ) {$0.00} ( {$360.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$360.00} ) {$0.00} ( {$360.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$350.00} ) {$0.00} ( {$350.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$350.00} ) {$0.00} ( {$350.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$350.00} ) {$0.00} ( {$350.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$350.00} ) {$0.00} ( {$350.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$350.00} ) {$0.00} ( {$350.00} ) XX/XX/XXXX PAYMENT ( {$82.00} ) ( {$250.00} ) {$0.00} ( {$340.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$210.00} ) {$0.00} ( {$340.00} ) XX/XX/XXXX PAYMENT ( {$110.00} ) ( {$220.00} ) {$0.00} ( {$330.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$210.00} ) {$0.00} ( {$330.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$210.00} ) {$0.00} ( {$330.00} ) XX/XX/XXXX PAYMENT ( {$140.00} ) ( {$190.00} ) {$0.00} ( {$330.00} ) XX/XX/XXXX PAYMENT ( {$110.00} ) ( {$210.00} ) {$0.00} ( {$320.00} ) XX/XX/XXXX ADJUSTMENT {$0.00} ( {$0.00} ) {$0.00} {$0.00} XX/XX/XXXX PAYMENT ( {$110.00} ) ( {$210.00} ) {$0.00} ( {$320.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$200.00} ) {$0.00} ( {$320.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$200.00} ) {$0.00} ( {$320.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$200.00} ) {$0.00} ( {$320.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$200.00} ) {$0.00} ( {$320.00} ) XX/XX/XXXX PAYMENT ( {$110.00} ) ( {$200.00} ) {$0.00} ( {$320.00} )

Company response to consumer: Closed with explanation