Consumer complaint received 2020-08-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX of XXXX I sent letters to all 3 credit bureaus, XXXX, XXXX, and XXXX, and Navient to verify the legitimacy of my student loans. I had issues in the past with my payments being late to Navient and me explaining to them I was paying them within the time frame the told me to yet I still always received late payments. After years of receiving late payments, Navient sends me a letter that they had an error on my account and credited me back for my late fees which amounted to hundreds of dollars and enough to cover several months ' worth of payments. With that being said, yes, I do want to verify the legitimacy of all of my student loans with the original promissory notes. I sent certified copies of my Driver License and Social Security card to all 3 bureaus with a letter request verification of my loans and I send a letter with my account information to Navient requesting the same verification. 

XXXX  responded on XX/XX/XXXX showing that they verified my student loans, however, no documentation was provided to me. They also deleted all my old student loan account history off of my report for my old loans - pre consolidation. 

XXXX  responded on XX/XX/XXXX with the same results as XXXX. 

XXXX responded on XX/XX/XXXX with the same results as XXXX. 

All 3 stated they verified the accounts were mine, however, failed to provide proof. 

Navient responded to my letter with a generic statement that they were not able to consider a settlement for my loans at this time and provided me with my most recent loan balance statement?? 

I then mailed my 2nd request to all 3 bureaus and Navient again on XX/XX/XXXX of XXXX expressing my rights through Section 609 of the Fair Credit Reporting Act that I had rights to my accounts being verified and documentation being provided to me, i.e. the promissory note for these items to remain on my credit and in my name. 

Navient responded on XX/XX/XXXX providing me a letter and a copy of my documents from when I consolidated all my loans under 1 subsidized and 1 unsubsidized loan back in XXXX of XXXX. Basically stating this was proof of the origination of my loans. 

XXXX  responded on XX/XX/XXXX stating the same thing that they verified the loan accounts were mine yet failing to provide me any documentation showing I signed for the loans. 

XX/XX/XXXX of XXXX I send my 3rd round of letters again requesting a copy of the original promissory note. 

XXXX  responded on XX/XX/XXXX stating again that they verified the loan accounts were mine, yet failing to provide me any documentation showing I signed for the loans. 

XXXX  responded on XX/XX/XXXX stating their results were the same. They verified the student loan accounts were mine. Still did not provide any documentation. No changes were made to my report. 

On XX/XX/XXXX of XXXX I received a response from XXXX  stating that additional information was provided from the original credit source and they would be deleting my student loan accounts off of my report. All of my student loans were deleted from my XXXX  report. 

I mailed my 4th response to XXXX  and XXXX  on XX/XX/XXXX. Providing the documentation provided from XXXX  showing they had deleted my student loan accounts and I also wrote Navient back thanking them for the reply and the documentation from the loan consolidation they provided the original loan numbers, and to use those loan numbers to provide me the original promissory note for each one. 

XXXX  responded back on XX/XX/XXXX with the same information. Showing the outcome of their investigation verified the loan accounts are accurate and are mine, yet still failing to provide any supporting documentation. 

No response was received from XXXX. 

Navient responded XX/XX/XXXX with a statement showing the balance of my loans and a Federal Stafford Loan Master Promissory Note with my information typed in but no signature and no  documentation supporting each individual loan taken out. 

I mailed my final and 5th letter XX/XX/XXXX of XXXX demanding a credit bureau investigation and again providing a copy of the XXXX  report showing the student loans were deleted. 

XXXX  responded on XX/XX/XXXX that I have not provided relevant information to support an investigation. 

XXXX  responded stating the same. They would not do any further investigation without proper supporting evidence.

Company response to consumer: Closed with explanation