Consumer complaint received 2019-08-23
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Between XX/XX/XXXX-XX/XX/XXXX, XXXX College pulled out loans in my name after giving me false information and telling me that they would apply for free " financial aid. '' Telling me that that they would assist me in applying for free aid and grants that I did not have to pay back. I am a first generation college student of immigrant parents, and XXXX College took advantage of me to pull out loans fraudulently in my name with Sallie Mae/Navient. 

In XX/XX/XXXX, XXXX College Financial Aid Staff did not tell me or properly informed me that the " free financial aid '' that they were asking me to sign for, was in actuality private and federal loans. Loans that were pulled out with Sallie Mae ( AKA Navient ) had very high interest rates. Staff at XXXX assured me that I did not need to pay back for anything at all ever, since they had found free scholarships and aid from the government and other available programs to pay for school. 

XXXX College in XX/XX/XXXX originally informed me that I did not qualify for the CAL Grant, a grand available in the State of California. That was a lie, they actually applied for it and took the money without telling me. I did not find out about this until XX/XX/XXXXwhen I attempted to go back to school at an accredited XXXX College that informed me that XXXX College and other school like them used predatory tactics. And in essence scammed me and other people from getting a real education in order to apply for " financial aid '' as loans so that they could keep the money. 

XXXX College Staff and Teachers also lied to me about their accreditation and that their credits were fully transferable, when they are not and no accredited University will accept or recognize any credits from them. 

I have asked Sallie Mae/Navient for over 4.5 years for original copies of the debt or paperwork with any information or anything with my alleged signature from Sallie Mae/Navient representatives. And I have asked Sallie Mae/Navient to provide proof that XXXX College did not do anything illegal. And to prove that they did not apply or sign for loans in my name. 

Navient Staff have been threatening me with legal action or with ruining my credit if I do not pay right away. Their Staff has also offered me " deals '' or " offers '' to basically settle the loan or to pay a certain amount to get the fraudulent loans to good standing.

Navient Staff says that they will send me copies of the loans with my alleged signature and an alleged Master Promissary Note. It will be 5 years in XX/XX/XXXX, and I have still yet to receive any kind of documentation. Other than past due bills ( with no copies of the original debt ) or threats to pursue litigation or take me to court if I do not comply. I have never received any proper documentation of the debt from Navient. 

It is my understanding that this is illegal or unethical under the FTC regulations regarding collecting a private debt. I have asked for years for copies of the debt or to see any original paperwork, and I have refused to pay anything until I see proper paperwork that proves that I owe anything, and that nothing illegal happened during my time at XXXX.

Company response to consumer: Closed with explanation