Consumer complaint received 2017-10-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XXXX/XXXX/2017, I filed a complaint via the CFPB ( complaint # XXXX ) regarding Navient Solutions LLC. This complaint is a rebuttal to Navients response, and further in response to Navients disregard of consumer rights afforded to me under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Billing Act ( FCBA ). Navient made the following statement in its response We have confirmed that your Signature Student Loan is being reported to consumer reporting agencies accurately, however, Navient has refused to submit to me the information it confirmed, nor other information I have previously requested that will assist me in ensuring the accuracy of its claim. Each of the above listed federal acts affords me the opportunity to not only request validation of a creditor claims, but to also receive information from the creditor that thoroughly validates the claim, including requesting itemized billing accounting transactions for the claim. Navient has not provided all necessary information and refuses to not provide the information. This is in violation to these federal acts. Navient also made the following statement, We are unable to provide you with your Disclosure Statement. This information was not transferred to us from your original servicer, which raises more concern about Navients claim and causes me to request all the information I have previously requested. Again, by refusing to not provide this information, Navient is in direct violation of the FCRA, FDCPA, and the FCBA. I again request the following from Navient in accordance with the FCRA, FDCPA, and the FCBA : ( 1 ) What the money you say I owe your company, the original creditor, and the collection agency is for, ( 2 ) What type of loan I have with your company, the original creditor, and the collection agency, ( 3 ) The account number I had with the original creditor, ( 4 ) The account number I had with your company, ( 5 ) Explain and show me via itemized accounting transactions on how you calculated what you say I owe since inception of the account until the date of this request from your company, the original creditor, and the collection agency, ( 6 ) Provide me an itemized account payment history since inception of the account until the date of this request from your company, the original creditor, and the collection agency, ( 7 )  Provide me with copies of payment receipts since inception until the date of this request from your company, the original creditor, and the collection agency, ( 8 ) Provide me with full disclosure copies of any papers, contracts, and other proof that show I agreed to pay what you say I owe to your company, the original creditor, and the collection agency, all bearing my original signature, ( 9 ) Provide me with copies of any papers, contracts, or other proof that show I agreed to any deferments and modifications with your company, the original creditor, and the collection agency, all bearing my original signature, ( 10 ) Provide federal, state, and local documentation that show that you are licensed to collect in my state, to include providing me with your license numbers and registered agent information. If you can not provide all of the requested information then you must : ( 1 ) Remove from your files any negative reference concerning this account, ( 2 ) Immediately notify XXXX XXXX XXXX XXXX XXXX XXXX XXXX that your previous communications regarding this account were incorrect and ask them to remove any negative references from my credit report. If it is your intentions to not provide the requested information, I will continue to seek help with obtaining all necessary information and the requested documents from the Federal Trade Commission, the Consumer Financial Protection Bureau, and the States Attorney General Office at the expiration of the 10 calendar days.

Company response to consumer: Closed with explanation