Consumer complaint received 2017-02-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I just found out that my mother [ XXXX XXXX ], who at the time was employed at XXXX, forged my name on XXXX student loans and a Consolidation of those loans. The loan dates : XX/XX/XXXX with FFEL Stafford Unsubsidized in the amount of {$3500.00} ; XX/XX/XXXX with FFEL Stafford Unsubsidized in the amount of {$6500.00} ; XX/XX/XXXX with FFEL Stafford Unsubsidized in the amount of {$7500.00} ; XX/XX/XXXX with Direct Stafford Unsubsidized in the amount of {$7500.00} ; and XX/XX/XXXX with Direct Stafford Unsubsidized in the amount of {$6000.00}. I attend XXXX and since my mother was an employee, I received tuition and technology fee waiver for each of the years I attended. I then learned that my mother consolidated these loans, using my name, on XX/XX/XXXX with Direct Consolidation in the original amount of {$37000.00}. I never signed for any of these loans. I was able to obtain copies of the original XXXX loans and it is obviously not my signatures. I have now learned that since my tuition and technology fees had been waived at XXXX, XXXX would send a large refund each semester. These would be sent to my parents ' house and my parents would intercept this money and used for their own living expenses. The money that was refunded and then deposited into my parents ' checking account. The original loans all used my mothers work email address at XXXX and used their personal checking account. 

I have requested from Navient a copy of the paperwork for the XX/XX/XXXX Direct Consolidation in the original amount of {$37000.00}. Navient said they do not have a copy on file, they said XXXX XXXX XXXX had a copy. I contacted XXXX and they said that the Department of Education had a copy. Department of Education said that XXXX. XXXX said that Navient had a copy. I would like a copy to prove that I did not take out the Consolidation loan. 

My mother and/or father have also taken out a deferment for the Consolidation Loan forging my name. When I found this all out on XX/XX/XXXX and started to question my parents, I have learned that my parents made a payment on the Consolidation Loan on XX/XX/XXXX in the amount of {$250.00}. It had been confirmed that a payment had not been made since XX/XX/XXXX. I have lots of documentation, but to numerous in number to upload. 

I acknowledge that I have XXXX student loans that I took out on XX/XX/XXXX and I am solely responsible for those loans. 

I am seeking an acknowledgment that I am not responsible for the Consolidation Loan. That it will not appear on my credit report. I would hope that my parents would acknowledge sole responsibility for the Consolidation Loan. 

The above was my original complaint that was filed on XX/XX/XXXX. A previous complaint was filed to obtain the consolidation paperwork, which I have. As an update from this time, I have submitted all documentation with my fraud packet. As of XX/XX/XXXX, the company was in my favor that I am not responsible for the loan. The investigations team devised a plan to do a loan transfer into my parents names. However as of XX/XX/XXXX, they are refusing to sign the affidavit to carry this out. I would ask that being that Navient is in my favor, they need to grant me a False Certification Discharge. This would fall under the XXXX categories of identity theft, and unauthorized signature. They also need to stop reporting information from Loan number XXXX which is the fraudulent loan to the crediting agencies. This is a violation under the fair credit reporting act.

Company response to consumer: Closed with explanation