Consumer complaint received 2019-02-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had to select what I did in the describe selection although it is not the problem. 
Need to reference Complaint XXXX which I just happen to have had to reset my password and check back and found out it was closed with a response from the Company Sallie Mae.. They have tried to hide the fact that I was not disclose in anyway when they Scared me into printing out and signing a consolidation loan. They did not disclose that there was Verbiage in that Consolidation. that would later actually few month later that I would blocked my loan being paid off by Third Party Financial Institutions that where now allowed to Buy out Federal Student loans being Serviced by Sallie Mae. All my calls where recorded and Sallie mae heard from me alot throughout my loan cycle also the Ombudsman Group open a case on my behalf and there are recording with them too. Case XXXX the response that I have just finished reading is dodging the main problem? which was that they Deceived me when they pressured me to sign a consolidation Loan or go into Default Lets go the the Audio that they have and are required to acount for as they are a collection agency and practice that law which Im sure glad that they did. but will they ver release those conversations as well and all the emails I had wrote them as well as all the faxes that went there way before the Internet and email was even Known. 

Like I have mentioned here the Ombudsman Group have been fairly Informed of my Complaint and I have also reached out to the CFPB working on -- -- -- -- -- -- >>> Case XXXX Document 1 Filed XX/XX/XXXX Page 1 of 66 Respectfully submitted, XXXX XXXX Enforcement Director XXXX XXXX Deputy Enforcement Director XXXX XXXX Assistant Deputy Enforcement Director _/s/ XXXX XXXX_________ XXXX XXXX, CA XXXX ( Email : XXXX ) ( Phone : XXXX ) XXXX XXXX, DC XXXX ( Email : XXXX ) ( Phone : XXXX ) Enforcement Attorneys Attorneys for Plaintiff Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Fax : ( XXXX ) XXXX Waiting to hear back from this Department so that they can assit me tell my story and show how these people steered me into there Servicing Jail with no way to get out of later when the laws where changed that permitted 3rd Party Lenders to buy out our loand if we where un happy with our servicers which in my case I was in the process of doing after I had to heard to many excuses from Sallie mae with them Losing my faxed document for  Forbarnces Late fee, Penalties and a slew of other things that had raised my concerns there practices this was before they consolidated my loan all the while not disclosing of what they where really trying to accomplish. Looking back this whole time it is my Thoughts that these folks knew about the impending bad reputation they had and the fact that alot of us after researching who these people where and what they where doing to all of us that there was many like myself who knew that Sallie Mae had been taking us to the cleaners with all sort of fees and Interest and just about anything that they could. I Urge that someone from the CFPB contact me as I will make it real clear what was done to me. and as I told Sallie Mae/ Navient Years ago when I found out about this Deceit and Deliberate actions anything that has taken place on my loan after this consolidation is Null an Void Period I did not sign that Consolidation with all the facts an actually was more as a Rush or your going to be going into default that's what they pushed over me Default got me to sign it saying that by combining my 2 small loans it would be easier to handle. My interest rates would go down and I would avoid defaulting. Never was there any mention that there was a clause that would come to do stop me from paying off my loan in full with the options that opened up for in in the near future.

I look forward to seeing the day that I get this imprisonment be over and that given justice to this Deliberate and Un just practice with my Student loan. 

I accept what I owe the XXXX up until this consolidation loan was perpetrated against me. as of that date anything that has occured is Null and Void. 

I ask the CFPB to keep this New Complaint and its association with # XXXX I look forward to getting help with Court orders for retrieving all information that I an the Ombudsman Group have asked for, But now I need a Court Order even though I have them on my own recorded line Both Sallie Mae and Ombudsman group and everyone agreed that if I submitted a letter to the address I was provided asking for all those Audio recordings from XXXX - XXXX Emails and Faxed letters and Forbarnaces which also had handwriting from me.. way before Emails was even a thought about. 

They agreed on our Phone conversation and made it clear what I wanted and what was going to be asked again in the letter they wanted me to write them asking for it .. 

after no Response several month later I reached back out to Ombudsman group and we called again after I Told my case worker about how I called them and they where no telling me I would need a court order to get any of the Correspondence, Faxes, Emails, and Audios. Please reopen my Complaint and if you need to tie this information with the XXXX so be it .. or better yet lets hope I can speak to someone who is working on XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation