Consumer complaint received 2019-10-24
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I finished a semester at XXXX XXXX XXXX in the Winter of XXXX, I was told my 6 month grace period was to be up in XXXX of XXXX IF I was finished with school, but I wasnt. The advisor I had at the time told me that if I am still pursing my degree, even if I take a break, the grace period did not apply to me as long as I planned on going back to finish my degree within a year, which I did. Apparently she gave me wrong information and that wasnt at all true- 6 months after you finish a semester is when a payment is due regardless of when you are going back. The misinformation from one advisor is literally ruining my life almost 5 years later. Its not my job to check for the accuracy of information I am given by school faculty, and the fact that someone gave me misinformation which caused this whole ordeal for me and I am the only one suffering is completely unfair. I was single mom trying to finish my degree to make a better life for my daughter and myself and just like that it was ripped away from me because someone at the school wasnt trained properly, how is that even acceptable? I had no idea a payment was due, I received no letters, phone calls, emails- nothing, and the only reason I found out was because I received an alert that my credit score plummeted due to 10 missed payments on my student loans. That is where the other problem comes in, I did not miss a payment 10 times like it is being reflected on my credit report, it was a payment of 10 consolidated loan payments. Navient responded back to me about that however, and stated they are allowed to report it that way, even though it is completely misleading. Everything else on my credit report is positive except for a credit card account that was my ex 's and I was only an authorized user, so it should have never been added onto my credit report, but that is old and getting removed because it's not truly mine. That is also irrelevant because it is not the reason I am given when I am denied things due to my credit, it is always because of the late payments on my student loans. I even hired several credit repair companies that all told me there really isn't anything I can do to make my credit go up besides try and get the late payments taken care of, or wait 10 years from the date they were late to fall off my report. It's kind of ironic how I had started school to better my life, and that decision is essentially what's ruining it because of these missed student loan payments. No one wants to give me a chance because of them, I have been denied anything and everything except for places that charge you the highest amount of interest possible which I can not afford. I cant get a decent safe car, a decent safe place to live, even jobs have turned me down because missing a payment 10 times to them does not look like a slip up or a mistake it makes it look as though I am completely irresponsible. I have had the same job for a long time and recently took the plunge to try and apply for a house and was told I would probably never be accepted for a loan with that amount of missed payments because no one would trust that I would pay on time, unless my income was WAY more, which is not in my control, I wish I could make my income just change, but I can't. So I just continue to be stuck paying {$1500.00} in rent which is almost all of my income since it was the only place that would accept me because I knew the property manager, and living paycheck to paycheck. 

It's disgusting how I am being treated by Navient, a company that is supposed to help people who are trying to build a future by going to school and bettering themselves. They were not willing to work with me or look into the matter what so ever. The only thing they said was that they were allowed to report the missed payments exactly how they did, regardless of how misleading they were- end of discussion. I asked for the letters they supposedly sent me and I was told they didnt have them. I asked where I could find the information online on my Navient account regarding this matter or even information on my payment due dates for those loans, and the missed payments, and I was told they didnt have them. I wrote a goodwill letter, stating that I had seen people 's pictures online of letters they received back from Navient agreeing to remove late payments even when they were accurate missed payments, and I asked if they could please, please do the same given this type of situation and I was shut down every time. They stated it was illegal for them to do so, but it was done for people before, so why for some and not others, and why lie about doing it before? I feel extremely lost and hopeless, because I know it's completely unfair that I have been dealing with this for almost 5 years since they put all of those missed payments on my credit report, but everyone I turn to can not do anything about it. Contacting the CFPB, my attorney general, and the department of education are my last hopes. Please let me know of anything I could do to resolve this matter.

Company response to consumer: Closed with explanation