Consumer complaint received 2017-10-03
Company: Navient Solutions, LLC.
State: FL
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:
I am writing to formally request assistance with a debt attached to my name for the last 12 years. During my tour of a campus and the finalizing stage of my enrollment in XXXX XXXX XXXX XXXX, I was required to sit in front of a financial administrator that went through the possible grants and scholarships I would be eligible for throughout my tenure. What was not explained was that while only XXXX years old, sat there eagerly jumping through hoops to begin the climb to my next educational plateau, I was incurring a sneaky debt that I did not request, did not ask for, did not approve. 

During my stay at this college, without my knowledge, two separate loans for the amount of {$1500.00} and {$2300.00} were attached to my name in XX/XX/XXXX and XX/XX/XXXX respectively. Suddenly, I was responsible for the repayment of not one, but three separate accounts each of which demanded my undivided attention and immediate action on. I remember having a conversation with one of XXXXs associates  demanding repayment who stated that they required a minimum amount of some percentage or figure and recommended I agree to a {$700.00} a month payment for each account. 

Unable to repay these loans to the tune of the requested {$2100.00} a month I had my wages garnished for a period of one year. At the onset of this one-sided agreement I was informed that I would be paying a percentage of my income for the duration of my employment until the debt was satisfied. The paperwork was completed by my superiors and the blood-letting began. I endured faithfully the full weight of the additional taxing of my income without complaint, pause, deviation, or deception. The final payment date arrived and I subsequently received a letter stating the conclusion of my penance. I am now being informed that I still owe nearly {$3000.00} in principle and interest. 

The closest thing XXXX has to my authorization is a blurb at the bottom of a form that reads, Electronically signed at XXXX, flanked by a carbon copy of a physical date stamp originating in their office. Ive never visited XXXX. I didnt have an account on that website until last month. Therefore, any financial aid documentation agreed to would have been, if at all, digitally signed at the FAFSA website. Certainly then, it does seem like a document was rushed into existence at the time of my serious inquiry into this demonstrable fraud. 

The youth of this nation, by Navient and XXXXs hand, is therefore born sick and commanded to be well. Created with the natural lack of education, teeming with a desire to learn, they instead burden us with unshakable debt prior to us ever entering the workforce or actually earning anything for our efforts. Never mind the fact that the education system fails to provide curriculum that can even keep tempo with todays evolving technologies, they compound this broken system with a ceaseless taxation that, rather than allowing the youth of nation to grow and flourish, instead forces us to tread water while they charge for life vests they throw down from their ivory towers. Consider this and the documentation enclosed my formal charge and demand that I be released from this pestilence as I have not only satisfied that which they demanded, but also on the basis that they have no legal documentation obligating our initial financial relationship to begin and certainly no cause for it to persist

Company response to consumer: Closed with explanation