Consumer complaint received 2020-04-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello. My name is XXXX XXXX. Date of birth is XX/XX/XXXX. Address is XXXX XXXX XXXX XXXX XXXX NY XXXX. Social security number is XXXX. I would provide you with more information pertaining to the loans that I am speaking about, however - thats the trouble that I am facing - I can not get one word of information from Navient. I have tried numerous times for honestly YEARS to request information from Navient and XXXX XXXX XXXX ( I am not sure if they are the same company or what because no one will explain that to me when I call ). I want to resolve my student loan debt, however - over the years it has switched hands of who owns my debt so many times that it is hard for me to keep up. I have a million navient student loan accounts on my credit report - that do not match what my navient online portal says etc. I will repay what I owe with a consolidation loan IF I could get all of the original documents and vital information to do so. I want to ensure that 1. ) I am not being collected on by multiple collection agencies for the same debt. 2. ) That all of their figures are correct. My most recent call to Navient yesterday went as follows. The representative that I spoke with ( she told me that they DO NOT GENERATE REFERENCE NUMBERS FOR PHONE CALLS ) I do not know why an agency that handles such high balances and important documentation would not generate a way to refer back to phone calls - that makes me very uneasy. The representative stated that they received my loans in XX/XX/XXXX. Which contradicts all of these balances in their entirety because I didnt even take the loans OUT originally through the original lender until post XX/XX/XXXX. I need from Navient all of my records for every loan they have on file currently and everything they " charged off '' on my credit report. I want to know the original lender, the original school of disbursement and the disbursement dates. The date that THEY acquired my debt and what the balances were when they acquired them. I need to know how their loan numbers correspond with the original loan numbers of Sallie Mae. I also am requesting all of my payment history with them - because I did pay on these for a few years before I was in an unfavorable financial position to do so. They could not answer not one of my questions and keep telling me they do not have access to any of this information and I need to email a department that I have been emailing for months with no reply. They refused to take my information and transfer it to that dept internally to call me back or reply to me via email. How is it that they can ruin my credit report and stalk my grandmother whom I do not believe is even my cosigner on these loans without being able to provide me with ANY INFORMATION pertaining to the XXXX dollars they are ruining my financial credit score and future over? This is terrifying. I do not know what else to do or try to ensure that I will not be taken advantage of and double paying - or paying balances that I have already paid in the past. Please help me. Point me in any direction to get to the bottom of all of this so that I can finally take care of it. Thank you.Cell is XXXX. Email is XXXX XXXX

Company response to consumer: Closed with explanation