Consumer complaint received 2021-12-27
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Iowa XXXX Re : Navient Student Loan for XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to you about Navients treatment and actions towards me regarding my sons student loan ( XXXX ). My son, XXXX XXXX XXXX, applied for a student loan from Navient several years ago. As part of the loan application, I gave my permission to be listed as a contact. Today, this agreeing to be a contact for the student loan application has turned into a barrage of phone calls from Navient who now claims I am a cosigner of my sons student loan ( XXXX ). 
Over the period XX/XX/XXXX to present, I and my husband have had numerous discussions with Navient regarding my sons student loan. While I have disputed with Navient that I cosigned his student loan, Navient repeatedly states I am a cosigner. I am not a cosigner ; I am a point of contact. I have also requested that Navient provide me a copy of the documentation that I signed as a cosigner. To date, Navient has not provided this requested documentation. 
Since XX/XX/XXXX, Navient has called me numerous times. In the beginning ( XXXX and XX/XX/XXXX ), the calls were to obtain information on how to contact my son as he was apparently delinquent on paying his loan ( XXXX ). During these calls, Navient informed me I was listed as a contact on the loan paperwork. After numerous times of telling Navient not to call us anymore, the calls ceased. We received no calls after XX/XX/XXXX though the end of XXXX and, no calls at all in XXXX. 
On XX/XX/XXXX, Navient started calling again. On XX/XX/XXXX, Navient called while I was out. My husband answered the call and asked what the purpose of the call was. Navient informed him that my name was listed on the loan application as a cosigner. 
Upon my return home this day, I called Navient back. Navient also informed me that I was a cosigner on the loan application. I informed Navient I was listed as a contact but did not cosign for the student loan. Navient disputed I was a contact and repeatedly stated I was a cosigner. As such, I requested that Navient send me copy ( ies ) of the paperwork with my signature on it that showed I was a cosigner of this ( these ) loan ( s ). Navient agreed to send this documentation to me. To date, I have not received any such documentation from Navient, or anyone else. 
I received no further calls from Navient until XX/XX/XXXX. Navient called while I was out on this day and my husband answered. He told them I was out. When Navient told my husband the call was being recorded, my husband stated he did not give his permission for the call to be recorded. The gentleman said okay and would call back on a non-recording line. 
Navient did call back and the lady spoke with my husband. After much debate on the legitimacy of me being a contact person versus a cosigner, the lady told my husband this was going to collections! and hung up. 
We received no further calls from Navient until XX/XX/XXXX. Over the period of XX/XX/XXXX through XX/XX/XXXX, Navient called at east 35 times. Most these calls were from phone number XXXX in XXXX, NY. This is phone number is actually for Pioneer Credit Recovery, a Navient Company that does debt collection. 
From XX/XX/XXXX until XXXX of XXXX, we received no calls from Navient or any of its affiliates. 
Attachment A is a log of Navients calls for the XXXX to present time period. For the most part, the call log provides the date, time, and context of the call ( if we answered the call ). 
Over the past several months of XXXX, Navient has resumed calling us again. As I have not received any documentation from Navient of me cosigning for the student loan ( s ), I have not spoken with them. Our phone number is now our business phone number. We changed it to our business number in XX/XX/XXXX for our e-commerce business. My husband has answered each of these call with our business name. Each time he told Navient that this was a business and to stop calling but, they did not. 
Each time they have called since XXXX, we have told them this is our business number and not to call us at this number. They did not heed our requests. 
There are several other factors I believe why Navient is claiming I am a cosigner but actually, I am not. 
The Federal Debt Practices Act requires that Navient provide within 5 days of its first communications with me, a written debt validation notice. Since the first communication with me was by phone in XX/XX/XXXX, and Navient did no provide written debt validation to me, I have not answered their calls. 
Navients initial calls in XXXX / XX/XX/XXXX had a stated purpose of wanting to know how they could contact my son. None of those discussions mentioned I was a cosigner of the loan application. So now, Navient is stating I am a cosigner as a means to force me to pay the loan ( s ). 
Navient sent me a Final Notice letter that I received XX/XX/XXXX ( Attachment B ). In the letter, it states the amount to bring my account up to date is {$2300.00}. It does not state what the remaining balance is or anything other that what I just stated. 
o Also, in the Final Notice letter from Navient to me there are four ( 4 ) loans identified at the left side, bottom of the front page. I only agreed to be a point of contact for one ( 1 ) loan, not four ( 4 ). Has Navient tied me to all four ( 4 ) loans to come up with the total they claim I owe? It is not clear. 
I do not know what Navient has done with regards to my sons payments. I have no clue as to the status of this ; initial loan ( s ) amount, payments applied, basically nothing. So, how do I know what amount would be owed if I am liable? 
In XX/XX/XXXX Navient announced it was exiting the student loan market at end of XXXX. Is Navient trying to boost their bottom line by collecting outstanding debt before the transfer of student loans to another company? 
On XX/XX/XXXX, I sent Navient a letter disputing their claim that I am a cosigner of this loan. I also requested that they cease and desist from further contacting me on this matter. See Attachment C. 
In summary, I am at the end of my capabilities to resolve this matter with Navient and need some assistance. 


Regards, _______________________________ ____________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Navient XX/XX/XXXX through present B. Final Notice letter from Navient dated XX/XX/XXXX XXXX XX/XX/XXXX dated Letter to Navient from XXXX XXXX XXXX disputing Navients claim

Company response to consumer: Closed with explanation