Consumer complaint received 2022-08-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX XXXX from XXXX XXXX until XX/XX/XXXX. 

I enrolled in the summer of XXXX. From XX/XX/XXXX to XXXX XXXX. XXXX XXXX XXXX showed me as enrolled even though I had properly withdrawn after my XXXX semester. During this time they continued to take loans out under my name with out my permission, even giving me fake grades during the fall XXXX semester. I reach out to XXXX XXXX XXXX XXXX XXXX told me theres nothing she can do as my student information had been lost during a software merge. So it is as if I was never a student there. 

XXXX XXXX Sallie Mae sent me a bill for an unpaid loan balance of {$8900.00}. I recieved another price of mail From them that said as of XX/XX/XXXX my principle balance on the loan listed below is {$19000.00}. Showing disbursed dates of Loan XXXX XXXX {$6700.00}. 
Loan XXXX XXXX XXXX for {$2600.00}. 
Loan XXXX XX/XX/XXXX for {$4000.00}. 
Loan XXXX XX/XX/XXXX for {$2600.00} and XXXX XXXX XX/XX/XXXX for {$1700.00}. 
XXXX XXXX I signed a private credit loan paper that said I would pay {$2200.00} for my XXXX XXXX semester. It shows that my loan has been approved for {$6700.00} but each semester about {$2200.00} would be disbursed to pay the school. Since I had properly withdrawn the {$4500.00} should never have been given to the school, or XXXX XXXX XXXX should have sent it back as the contract I signed said it would. ( Lender name- Sallie Mae through XXXX XXXX 

XX/XX/XXXX Sallie Mae sent another letter that said I owed {$20000.00} Loan information the. Say the loan dates were from XXXX XXXX, ( {$10000.00} for a signature loan. Two loans were taken out XXXX XXXX and XXXX. ( These were FFELP loans that equal just over {$7000.00} ) I kept receiving threatening mails saying they were going to garnish my husbands wages if we did not start paying off these loan. In XXXX we paid {$6000.00} to XXXX ( Sallie Mae ) because at that time I couldnt not proved that I was not a student during those dates. 

Navient : XXXX XXXX {$840.00} XXXX, XXXX, XXXX {$840.00} XXXX XXXX {$840.00} I revived another mail saying I had in subsidized federal loan for {$2600.00} And that the total of loan guarantees by this guarantor was {$13000.00} This loan begins XXXX XXXX, when I was no longer attending XXXX XXXX XXXX. 
I also had subsidized federal XXXX loan that totaled {$4000.00}. But these were for differnt dates XXXX XXXX, {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} And another unsubsidized loan XXXX XXXX - {$1300.00} XX/XX/XXXX - {$1300.00} XXXX XXXX {$1300.00} To equal {$4000.00} Navient started charging me these loans and said they were from Sallie mae My federal Student Loan XXXX department of educationXXXX showed that in XX/XX/XXXX ( again when I was unenrolled ) XXXX XXXX XXXX took out a {$1200.00} XXXX XXXX  from my name. 

XX/XX/XXXX XXXX XXXX XXXX XXXX was charging me {$15000.00}. We finally settled with them to not be harassed and paid {$6000.00}. 

I ahve letters from XXXX, XXXX, Sallie Mae, and Navient, claiming that I owed them money for my one semester of attending XXXX XXXX XXXX. One loan from Sallie Mae that equaled to {$17000.00} ( with XXXX and XXXX interest rate ) {$7000.00} for six subsidized loans {$8000.00} for unsubsized loans to equal {$15000.00}. So in total I owed {$32000.00} for a school that now says I never attended. I paid at least that much plus 12 years of interest.

Company response to consumer: Closed with explanation