Consumer complaint received 2017-05-01
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX   XXXX   XXXX ,  XXXX  I received a mail piece from  XXXX   XXXX   XXXX  about an account for a private student loan debt which is now  10 y rs old. I called to inquire about the debt. On this account I spoke with  XXXX   XXXX  who pretty much insisted I consolidation all my loans to make part of the  Perkins loan on this acct. be included. They had me stay on the phone for 2 hrs  waiting till I logged into  XXXX   XXXX . to apply for the consolidation, and even pretty much rushed the process for reading the promissory note for the consolidation.  XXXX   XXXX   XXXX  were extremely gracious and patient up until I signed the promissory note for the consolidation. I advised them of of my financial status and they did not want to work with me on any arrangements/just the consolidation. Then they got nasty and hung up in my face The total account for  XXXX   XXXX  is about  XXXX . The amount not included in the consolidation is about  XXXX . The holder of the account is University  XXXX   XXXX   XXXX . The loans were taken in in  XXXX ,  XXXX . I was never informed the debt could not be collected after  XXXX  yrs because of the promissory note law for the state of Missouri. I only found out about the private student loan laws last friday. All these years I was under the impression I could be held in default if I did not keep up with the private/Perkins loans like I did with the federa l loans.They  previously used another loan servicer called  XXXX . I have several student loans mostly federal. I kept the deferments up to date through the years being told that default was the only other option. I am in the process of applying to cancel my student loans because of breech of contract by  XXXX  institutions. The reason I am applying for cancellation of my student loans is I have not been able to find a job for  10 + y rs. I graduated from  XXXX  in  XXXX  w/   XXXX   in  XXXX   XXXX , for an attempted degree in   XXXX   XXXX  . Before attending  XXXX  I was certified to   XXXX   XXXX    in the state of KS from  XXXX  to  XXXX . I already was employed by two   XXXX   XXXX   but they kept dragging my degree requirements on for years. I was   XXXX    while I attended there. When I asked to have my class scheduled so I could  XXXX  they kept ignoring me and making my schedule impossible for me to   XXXX   part-time. It made my employers get angry with me. I was employed by them in  XXXX  to  XXXX . I graduated in  XXXX  with a degree in  XXXX   XXXX   XXXX  from  XXXX  University.  XXXX  was just sued by the FTC in  XXXX   XXXX  for false advertisement on graduation job placements and is now paying  XXXX   XXXX  in restitution to students.  XXXX  made several attempts to get me to re-enroll in the  XXXX  of  XXXX  even though I had been there  5  yrs. They even had  XXXX  tell me on several occasions if I came back they would forgive my private loans with them. I believe they wanted me to stay because I improved student retention. There are other reasons such as threats and intimidation that occurred   XXXX    that caused me to get my  XXXX   XXXX  degree and leave. They changed my degree requirements, made me take extra classes that were not on my original degree contract, changed my status from student to employee at one time when I was not employed by them and did so many other harassing things through the years I just got sick of them. They made me take a class where they told me only   XXXX   XXXX   would be selected to  XXXX  in the next  ten  years. I am  XXXX   XXXX . they even gave me a text book that said the same, called "   XXXX   XXXX   XXXX   '' ; a class they made me take after changing my degree requirements. After I graduated I even got viruses attached to my computer from their email server so I stopped emailing them years ago, that is  XXXX  and  XXXX . The new loan servicer,  XXXX   XXXX  does not provide an email. This debt should be canceled because of the ridiculous predatory practices employed by the school.  XXXX   XXXX  has tactics to get students to agree to consolidation without showing actual account balances which is not right. All I wanted to do was talk to them about the letter I received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation