Consumer complaint received 2022-10-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted Navient on XX/XX/XXXX and spoke its representative, XXXX, at telephone number XXXX. She reviewed the account stated that she would send me the loan information by mail including the promissory note. I informed her that I had submitted a CFPB complaint in XXXX and XXXX and had received responses from Navient stipulating the loan was put on hold due to a bankruptcy lawsuit in XXXX. She mentioned that the loan was initially {$7000.00}. It has ballooned to {$18000.00} since it has been on hold in Navient 's bankruptcy lawsuit by other plaintiffs. XXXX also mentioned that the forbearance interest grown within that 9 years should've been assessed based on the filing of bankruptcy by the borrower, and I have never filed for bankruptcy. 
Navient has not explained why it put this account on hold for 9 years on a bankruptcy lawsuit hold and allowed it to grow in high forbearance interest. 

XXXX with Navient on XX/XX/XXXX told me that she would send a credit retraction to the credit bureaus after collecting {$1200.00} from me to bring the account up-to-date -- after I had not been informed of when the account would be out of the bankruptcy lawsuit hold that Navient placed the account in for 9 years. Navient debited the {$1200.00} from my bank account but has apparently deleted the record from their system of XXXX 's planned credit retraction with the credit bureaus based on my conversation today with another Navient representative. 

I have been getting the runaround from Navient 's Customer Advocate, XXXX XXXX, XXXX XXXX XXXX. I have several email communications with her where she instructed me to call her at a given number, but upon my call, she was not listed in the Navient system by the name she provided ; so the representative initially could not find her ; after several attempts by the Navient rep, he was able to contact her, but she would not take my call on that day. She responded to my email stating she had technical problems but gave me a time and date she would be available to call me, but, again, she did not call me on the date and time she selected. I sent her another email about missing the appointed time/date ; she emailed me back and gave me the same story about technical problems. This has been going on for 2 weeks with XXXX XXXX avoiding my calls or blatantly and deceptively giving me the runaround. XXXX XXXX and Navient are acting like they are above the law. And after being sued by multiple plaintiffs and after a 39 state attorney generals lawsuit and settlement for predatory lending practices, Navient continues to behave in a disreputable manner. Navient through its representative, XXXX XXXX, are abusing their power as holder of this forbearance loan. Navient has not retracted the late status with the credit bureaus as promised after collecting my payment for {$1200.00}. I would like this published widely and for the record. The credit bureaus should retract Navient 's late status on my credit report. Navient should be held to account for this financial abuse and should not be allowed to punish people for filing a CFPB complaint against them.

Company response to consumer: Closed with non-monetary relief