Consumer complaint received 2022-03-07
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a victim of predatory student lending practices via XXXX XXXX and Navient Solutions , LLC . I have roughly $ 26k in private student loans all through XXXX all with Navient Solutions , LLC . Due to the insurmountable debt I've acquired through these scams I've had to move a lot and lost a lot of my records of my student loan statements throughout the life of the private loans, dating from XXXX. I would like retrieve copies of these statements and records. I have asked Navient repeatedly to please provide me either with a link to these documents so that I can retrieve them digitally or have them mailed to me via paper copy, with the former being the preferable version. When I spoke to the original customer service representative on XX/XX/XXXX she told me that I should be able to see them online via the Forms link on the Navient website but when we tried it kept looping me back to the login page. She said it shouldn't be a problem to have them mailed to me and she would process the request. I asked if I could just get them emailed because that was a lot of paper, and she said that wasn't possible because the documents are set to come to me the way my statements are sent to me. I asked if I could then change the way my statements came to me so I could just have them emailed. She said yes but then I'd have to resubmit my request so I asked to move forward with the current request as is. Then I got a letter from Navient telling me that I would need to narrow my request down to 24 months with a detailed reason as to why I needed the documents. I sent an email as a response saying I was going to do neither as I felt it was my legal right to have access to my billing statements and that I would really like to just access them digitally which shouldn't cost anything. They just emailed me back today saying that the would not be able to do this, that they just sent me an account history on XX/XX/XXXX and XXXX ( I have not received either these ) and that I could access my account history online to see my payment history. This is a very limited very long list of numbers in columns that does not give accurate information and is confusing to understand. At this point I feel they are illegally withholding this information from me. As it stands I can only see my statements digitally for year back from the current date, which given the current climate and their recent settlement, seems questionable at best. Any financial firm I've done business with has held onto records I have with them until usually 3-10 years AFTER my account has closed, which is what I'm used to. The fact that I can not see these private student loan records beyond a year when I'm still paying on them is absurd. I want my records and I should be able to see them digitally. I gave a copy of ONE of the FIVE private loans I have with Navient in the Account History format they are referring to. I also uploaded the most recent statement with them refusing to send me the documents.

Company response to consumer: Closed with explanation