Consumer complaint received 2018-07-31
Company: Navient Solutions, LLC.
State: IL
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:
In XXXX I decided to go to school and get an education for the The XXXX   XXXX XXXX XXXX- XXXX , IL.. When I visited this college I was told that they had a 93 % graduation rate as well as 93 % job placement rate. This was an amazing thing to hear on top of that I was a poor kid who couldn't afford college but was told that my situation would not be a problem, That the grants and financial aid I would receive would cover everything. All I would need to do was take out an initial loan to get the ball rolling and then would not have to take out a single one after. I was told that each Quarter I would come in and sign new forms for the Pell grant and Financial Aid documents to prove my situation had not changed, which it never did. I worked three jobs during the time to afford anything I needed such as school supplies, food, bills, etc. So every Quarter I came into the school to fill out the FASFA and Grant paperwork and was told that is all it was. I was told that I had to re-certify my loans saying that I knew that I had taken this loan out at the start of school and I would be responsible for it 6 months after graduation and obtaining a job, which was perfect since their job placement rate made it seem like it was not going to be a problem to get a job. In reality I was applying for more loans every quarter, without ever knowing I was doing so. The school had taken out 25-30 loans in my name and I never knew the wiser. I was never notified or made aware of this but it was going on behind my back every three months and they also were gaining interest, which blew my mind even more since the only loan I was told I ever had to take out was not suppose to gain interest until 6 months after graduation which was awesome due to their so called job placement rate. So honestly Being a kid and only focusing on getting through school and surviving the city I never thought twice about signing the forms each quarter for Financial Assistance i.e Fasfa and Pell Grants. I honestly thought the Financial Advisor was leading me in the right direction and looking out for my education and financial needs and best interest, which I have learned the hard way as everything but. They have refused to give me verification on these loans and even denied access to the promissory note, that I supposedly had signed. I have been trying to obtain this document since XX/XX/XXXX. I know since then they have been found to have committed multiple illegal activities regarding students, lying to us about graduation rates job placement rates, and even more students then I could imagine about taking out grants when they were actually loans. On the last semester well right before, I was pulled into an office and told that my loans have ran out and that I would not be able to finish my degree. I was beyond shocked since I literally had no idea that I have loans other then the first one that I signed for with Sallie Mae at the very start of my college career. So here I am without a degree and unable to finish because when I tried to file for a loan to finish from Sallie Mae I was denied saying my credit was not good enough to obtain a loan. I was told to do a deferment and forbearance to stop them going into repayment while I figured out something to be able to finish my college career. I was never told by doing so I would be gaining more interest on loans that I could already not afford and was never aware that I had. No one ever talked to me about income driven repayment plans or any kind of solution that I may have had. My loans literally were defaulted before I ever had a chance to do anything about it. 
Navient Has said loans which were taken over from Sallie Mae, and lied to me about being in an income drive repayment program, that I was told about and offered in XX/XX/XXXX. The agreed amount that would be taken out as part of a loan rehabilitation program was XXXX $ a month. This would cover all said loans and would put said loans in good standing and allow my to enter into an income driven repayment plan. So I agreed knowing That I had to pay this off or it would affect my credit for the rest of my life even though I was completely lied to about these loans in the first place. I was given little information about this program and was told I was being taken care of because of the so called reforms that were happening and students like me were being offered relief which was a lie. They increased the amount to {$400.00} a month without any notification or certification. They didn't get verification of what my actual income was in order to do so. Also they have not applied payments to anything unless they have wanted to and it benefited them. For example they listed that in XX/XX/XXXX the said balance was {$63000.00} by XX/XX/XXXX the balance increased to {$63000.00} which is basically negative amortization, then in XX/XX/XXXX it decreased by {$2.00}. In XX/XX/XXXX the balance was over {$64000.00} and the very next month XX/XX/XXXX the balance somehow dropped roughly {$15000.00} and became {$48000.00} all when the so called income driven repayment plan was a {$400.00} a month payment. I never payed {$15000.00} at the end of XX/XX/XXXX to make this happen. As Far as I can tell is if you take the amount I paid in the timeframe I started the so called IDR up until XX/XX/XXXX it equaled roughly {$15000.00}. This came to a surprise to me. It really makes me wonder how and when they apply any payments what so ever and if they held off on disbursing any payments to get a bigger increase on interest so it would grow my said debt and never allow me to get ahead. They are not handling my loans with care or in my eyes legally. I was also told with the income driven repayment plan it would cover the entirety of said loans and I would not have any debt collectors call myself or family or anyone I knew for that matter. This is not happening. Navient Has sold almost 13 of these loans to another collection agency who has also tried to say that I would need to do an income driven repayment plan. 
XXXX XXXX XXXX XXXX Has illegally taken out {$5.00} a month from my bank account after repeatedly telling them that they did not have consent to do so and I never signed any form giving them this capability. Since then They have given me notice threatening to garnish my wages and the funny thing is some of these loans have been applied to a school I never attended. They have also refused to give my validation of these loans and can not even give me a date as to when they were originally opened. They are telling me I have to enroll in their IDR and that the one I am in is a fake, which comes directly from Navient. All I have found is that on my credit report they were said to be opened in XX/XX/XXXX from one credit reporting agency and opened in XX/XX/XXXX from another, I can tell you now that I was not in college in XX/XX/XXXX or XX/XX/XXXX. This is really strange since I wasn't born until the XXXX 's. Also as far as some of these being applied to XXXX XXXX XXXX XXXX  XXXX XXXX. I have never been to XXXX XXXX in my life. The furthest west I have ever traveled is Texas when I was like XXXX yrs old with my parents. So this was a shock as well. Not only has XXXX XXXX XXXX XXXX tried to force me into an Income driven repayment plan they are trying to collect on said debt from multiple agencies all on the same debt with the same amount, basically saying I owe the same debt to multiple collectors whom all in reality are the same company. These amounts do not match anything that I have obtained thus far that were ever a part of XXXX XXXX. So I am unsure how any of their activity is legal. 
I am writing you today in hopes that there is some sort of human decency left in this world. I am not denying that I never knew of the original one loan  at the start of School in XX/XX/XXXX. I do not deny that. Do I have a responsibility to repay that loan, YES. I do however disagree and will never agree with the other said loans that were taken out without my knowledge. It is a disgrace that our system allows this fraudulent activity and there is little to nothing happening to resolve these matters. I am one of thousands of students who have became a victim because they wanted to better there lives in order to better our society with a better education.

Company response to consumer: Closed with explanation