Consumer complaint received 2018-09-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
SALLIE MAE-NAVIENT PER SE BREACH OF CONTRACT [ breach of Master Promissory Notes ] DE FACTO EXTORTION : Now, 1XX/XX/XXXX, Navient deleted critical student loans payments information in credit reports to- and rereported by XXXX , XXXX   , and XXXX ( hereinafter, Credit Reporting Agencies, CRAs ) ; and coincidentally deleted payments information and Standard Loan Repayment Plan repayment ( XXXX0/120 uninterrupted, fixed, equal monthly payments, $ XXXX/month-group-payment-3-loans, from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX ) from the National Student Loan Data System ( hereinafter , NSLDS ).  Navients fraudulent reports to CRAs fraudulently show my three loans are not properly paid ( payments only reported from XXXX to XXXX for two loans ; one loan, account history suppressed/no payments information ) ; and some payments, deleted entirely, shown as N/D ) ; and, within NSLDS, all three loans fraudulently shown as currently not paid at all, Cumulative Payment Amount : $ XXXX/Most Recent Payment Effective Date : N/A.

HISTORICAL BACKGROUND : Sallie Mae serviced my three federal student loans entering repayment XX/XX/XXXX through XX/XX/XXXX ; whereupon the servicer name changed from Sallie Mae to Navient. ( See, Navient  letterhead, signed letter, dated XX/XX/XXXX, pdf attached, affirming loan servicer name change ; servicer business organization, no change. ) According to Security and Exchange Commission ( SEC ) XXXX XXXX disclosure, Sallie Mae/Navient/XXXX are entities of one-in-the-same business organization. ( See, https : XXXX XXXX XXXX last visited XXXX XX/XX/XXXX ; and XXXX XXXX, last visited XX/XX/XXXX ). Shortly after said student loan servicer name change to Navient in XX/XX/XXXX, I called the phone number ( XXXX ) on my printed Navient monthly payment billing statement, and I was told by the Navient representative my three Federal Family Education Loan Program ( hereinafter, FFELP ) loans were now deemed commercial loans, i.e. no longer, FFELP education loans. A commercial loan lacks the borrowers protections afforded under the FFELP. Navient offered no reason for reclassifying my FFELP loans as commercial loans. There existed no default, no late payment, no interrupted payment, no reason whatsoever given to justify Navients unilateral arbitrary reclassification of my FFELP loans as commercial loans. See, my prior XX/XX/XXXX Consumer Financial Protection Bureau ( hereinafter, CFPB ) open complaint number XXXX, hereby incorporated in full by reference. Sallie Mae-Navient expressly admits : ( i ) receipt ( to date, XXXX XXXX, XXXX ) of 80/120 months student loans ' timely, uninterrupted, per contract/in-full-monthly payments ; ( ii ) Standard Loan Repayment Plan, 120 months fixed-equal payments ( $ XXXX/month/group payment for 3 loans ) to paid-in-full. Shortly after my XX/XX/XXXX protest that my FFELP loans could not lawfully be arbitrarily reclassified as commercial loans, Navient sent me the attached letterhead, signed letter dated XX/XX/XXXX, affirming my loans were FFELP per my Master Promissory Notes. None-the-less, on XXXX XX/XX/XXXX at about XXXX XXXX, I called Navient phone number, XXXX ( indicated on my printed group-loan-payment bill ) to complain about Navients said fraudulent loans payments reporting, XXXX ( a  female employee, employee ID XXXX ) reiterated words to the effect : You called the Navient commercial loans phone number ( XXXX ), if you have FFELP student loans, your billing statement should have indicated a different student loan phone number, XXXX. You/borrower, therefore, have commercial loans not federal student education loans with Navient, ergo no one at this phone number can address your loans payment reporting concerns. When I protested my loans were FFELP and I had Navients express written admission dated XX/XX/XXXX, copy attached, said Navient employee said she would place me on hold while she talked to someone else at the XXXX number. Finally, said Navient employee stated NSLDS errors would be corrected within 72 hrs [ XXXX XX/XX/XXXX XXXX XXXX ] No errors Navient reported re my payments to either CRAs or to NSLDS are corrected to date, XX/XX/XXXX. 
PAYMENTS AMOUNT AND TIMELINESS PROOF VIA US MAIL SIGNATURE-RECEIPT- AND BANK ACCOUNT STATEMENT SHOWS NAVIENTS WILLFUL/KNOWING DE FACTO MAIL- AND WIRE FRAUD ACROSS STATE LINES/INTERSTATE COMMERCE : I made every loan payment, 80/120 months contractually mandated from XX/XX/XXXX through XX/XX/XXXX, timely, uninterrupted and per contract- $ XXXX/month-in-full. I sent every payment via US mail signature receipt required, proof of timely receipt by Sallie Mae-Navient. I have every bank statement showing wire payment via my paper check of {$570.00} electronic conversion paid to Sallie Mae-Navient for 80 months uninterrupted from XX/XX/XXXX through XX/XX/XXXX, proof of date and amount paid timely. Navients knowing/willful fictitious/clearly erroneous payments reports to CRAs and NSLDS herein described re my 3 FFELP loans payments are de facto mail- and wire-fraud across state lines which, uncorrected, may be prosecuted as civil Racketeer Influenced and Corrupt Organizations Act ( civil RICO ) extortion. 
SALLIE MAE-NAVIENT KNOWING/WILLFUL CONTRARY-TO-ADMITTED-FACT/LIES CREDIT REPORTING-UNQUESTIONABLE EXTORTION ; AND INTERSTATE MAIL- AND WIRE-FRAUD : In breach of contracts and de facto violation of federal- and state law, Sallie Mae-Navient reports to- and through CRAs rereports : ( i ) $ XXXX-XX/XX/XXXX [ FFELP ] loan Account Historical Data Suppressed/no payment data given from XXXX, i.e. 80/120 payments deleted/not shown ; ( ii ) $ XXXX [ FFELP ] loan payments shown only from XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX payments deleted, i.e. XXXX, 80/120 payments received/not shown ; ( iii ) $ XXXX [ FFELP ] loan payment shown only from XX/XX/XXXX to XX/XX/XXXX, XXXX payments deleted, i.e. XXXX, 80/120 payments received/not shown. ( See, open CFPB-portal complaint XX/XX/XXXX : XXXX. ) SALLIE MAE-NAVIENT KNOWING/WILLFUL CONTRARY-TO-ADMITTED-FACT/LIES NSLDS REPORTING-UNQUESTIONABLE EXTORTION ; AND INTERSTATE MAIL- AND WIRE-FRAUD : Sallie Mae-Navient admits willful/knowing deletion of information re my three federal student loans in the National Student Loan Data System ( hereinafter , NSLDS ) : ( i ) In block entitled : Repayment Plan Type, N/A is shown where Standard Loan Repayment Plan should be indicated for NSLDS loans 8-10 ; ( ii ) Cumulative Payment Amount shows {$0.00}, when Sallie Mae-Navient expressly admits I have paid ( 80/120 payments as of XX/XX/XXXX a total of {$45000.00} ) : ( a ) {$24000.00} [ NSLDS loan 8 ], ( b ) {$12000.00} [ NSLDS loan 9 ], ( c ) {$8300.00} [ NSLDS loan 10 ] ; ( iii ) Most Recent Pay. Eff. Date shows N/A when Sallie-Mae-Navient expressly admits ( my XX/XX/XXXX US mail billing statement ) I paid 80/120 uninterrupted per contract payments, Navient received from XX/XX/XXXX through the current, XX/XX/XXXX. 
REMEDY SOUGHT : Herein described contrary-to-admitted-fact public reporting in NSLDS and credit reports by Sallie Mae-Navient-et al. is unquestionable knowing/willful professional defamatory destruction of me via per se fraud and extortion.

For years, Sallie Mae-Navient-XXXX-et al. have repeatedly ignored my numerous requests for factual, timely and accurate FFELP loans CRAs and NSLDS reporting mandated for student loan servicers under federal law. I have already suffered apparent loss of employment/-failed security clearance/professional defamation re Sallie Mae-Navient-XXXX-et al . knowing/willful/extortionate student loans repayment fraudulent reporting. 
I have no choice but to bring the herein reported facts to federal court to force Sallie Mae-Navient-XXXX-etc. to truthfully/accurately/timely report my loans group repayment and/or answer numerous counts including but not limited to : state breach of contract ; federal interstate mail- and wire-fraud ; civil Racketeer Influenced and Corrupt Organizations Act ( civil-RICO ). I will seek statutory damages ( treble damages plus all court costs and attorneys fees ) plus all punitive damages against Sallie Mae-Navient-XXXX, et al. available per court discretion for repeat offenders. ( See, XXXX XXXXXXXX, last visited XX/XX/XXXX ).

Company response to consumer: Closed with explanation