Consumer complaint received 2019-04-29
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX XX/XX/XXXX RE : Navient Account Dispute To Whom It May Concern : My name is XXXX XXXX and I had a private student with Navient. It originated in XX/XX/XXXX and became default on XX/XX/XXXX. XX/XX/XXXX, I became disabled due to XXXX XXXX XXXX. When I learned about my disability I immediately informed Navient. They did not offer any resolution, so my account continued to accrue additional fees. It was charged off on XX/XX/XXXX and sent to XXXX XXXX XXXX  in Illinois. 

I called both Navient and XXXX XXXX XXXX today and was immediately given the run around. I called Navient to see if the statute of limitation had expired on my loan and was immediately put on hold. When they returned they immediately referred me to XXXX XXXX XXXX and the credit bureaus. 

Below are the detailed summary of each interaction with each Navient and XXXX XXXX XXXX customer service representatives that occurred today. 

Called XXXX XXXX XXXX and spoke to XXXX at XXXX XXXX and he refused to give me the status of the statute of limitation on my loan and referred me back to Navient to get that information. 

Called Navient and spoke with XXXX at XXXX XXXX and she refused to give me the status of the statute of limitations on my loan and said that the credit bureaus would be the ones who could remove it from my credit report and provide the status of my statute of limitation on my loan. 

Called Navient at XXXX and the rep referred me to the credit bear urea and refused to give me the status of the statute of limitation on my loan Called Navient and spoke to XXXX at XXXX who refused to give me the information that I was asking for, after pressuring he said the statute of limitation on this account was not active, but it will be as of XX/XX/XXXX. It was charged off on XX/XX/XXXX and its 7 years after that delinquent date. So, I decided to call back to verify that information and was told the following below. 

Called Navient and spoke with XXXX at XXXX XXXX who referred me back to the credit bureaus and refused to give me the status of the statute of limitation on my loan. 

Called Navient and spoke with XXXX at XXXX XXXX and was told that the account is not a-part of the statute of limitations because its in Missouri. I pushed further and was put on a long hold. She came back and asked me if I have spoken to the state of Missouri. I told her I have and questioned why was she inquiring about that, rather than providing the information that I requested. 

Navient and their treacherous acts and policies are causing borrowers like myself a whole world of credit problems. My loan should be removed from my credit report since the statute of limitation has passed. This account is over 10 years old and they are still reporting on my credit report that I am late. As I told Navient and the collection agency that has the loan now. I am currently getting social security because of my disability. Can you lease assist me with get the true status of the statute of limitations for my loan. The XXXX XXXX XXXX account number is XXXX. 

Thank, XXXX XXXX XXXX

Company response to consumer: Closed with explanation