Consumer complaint received 2017-05-25
Company: Navient Solutions, LLC.
State: OH
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:
My complaint regard ing Navient My wif e and I had student loans each from attending college. We had paid down a lot of the principal but still owed around {$6000.00} each. We called our student loan provider  XXXX   XXXX  and we given wonderful news ( according to them ! ). W e could consolidate our loans into a new loan and have a much lower payment. All we had to do was say the word. Our loans were consolidated and we had a lower payment.     Unfortunately as time progressed I was given the news that I had an   XXXX   XXXX   XXXX   XXXX . The prognosis was not real good for me. I was working making a good salary and just kept trying to provide for my family. I was struggli ng to drive  to my job each and every day. I kept trying as I didnt know what else to do. I found myself   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   any longer after time. I was unable to determin e which lane I wa s in on the freeway. I was making a  XXXX    XXXX   income at the time so I fought hard to keep life normal for everyone. I kept my secret.     Finally in  XXXX  the mortgage crisis hit everyone very hard. I lost my wonderful job and one day went from a  XXXX   XXXX  income down to  XXXX . I had a family, bills, and obligations. I tried to find other work but it was impossible. I could barely see to get to the interviews that I had managed to schedule. I went to my   XXXX   XXXX   and received the horrible news. I was beyond  XXXX   XXXX  and could not  longer drive . I had to go to the department of motor vehicles and surrender my drivers license. Now what was I going to do.     My wife and I panicked and didnt know where to turn to. We had collection calls coming in nonstop. We finally had to file chapter  XXXX  to keep from losing everything. We filed in  XXXX  and started to try to rebuild. All of this was too much and it destroyed my family.     My student loan was paid sever al thousand dollars du ring our bankruptcy. In  XXXX  the bankruptcy was discharged and we had to try to rebuild our credit and lives. Now on my own I had only  XXXX  income to survive. I called Navient to see what is next for our student loan which of course we would still owe. I was never told about a possible discharge due to my permanent  XXXX . I told Navient at great length what I was going thru. All Navient ever offered was of course forbearance. This was perfect for them to add thousands of dollars of additional interest onto our student loan. I was NEVER told that I had options. I did an internet search and discovered some information about the  XXXX   XXXX  discharge. I started the process in  XXXX   XXXX . Navient was of NO ASSISTANCE EVER! They would call about payment or gladly process forbearance but no other help! I worked with  XXXX  and quickly gathered all the required income documents, doctors medical history and application.  XXXX  advised they had everything and it looked good.     I never received any news from Navient ever during this process. No notice that they would be adding several additional thousands of dollars in interest.  XXXX  told me that during the three year waiting period that no interest could be added. In  XXXX  I got collection calls again from Navient. I called and was told sorry your loan discharge was cancelled. No reason why and did I want a forbearance. Of course I did not why I should need to. I called  XXXX  and was told that everything was fine and they would send a message to Navient. The calls didnt stop until I found some contact information for the  Office of the Advocate at Navient. I se nt them a compliant and aft er two we eks got back a message that my credit has not been ruined and that my discharge was still in effect.     Fast forward to  XXXX . My now ex-wife starts getting payment bills in the mail from  Navient. I  told her I would call  XXXX  and find out what happened. I was told twice by  XXXX  there must be a mix-up and they would se nd Navient a  message about the issue. I contacted th e Office of the Advocate at   Navient and again asked what was wrong with my discharge.     I found out that only a portion of the loan was discharged due to the consolidation of our debt. My now ex-wife is now responsible along with me also. I was not truly discharged from anything at all. Thousands of dollars of interest have accumulated on the loan and its the same balance as before I requested the discharge. I have never received an approval for the discharge. I was never advised that only a portion of the loan would be discharged. I was never informed that I was still responsible for the entire loan. I am  XXXX  an d cant drive  or work! What in the world is this all about? Navient never disclosed any of this to me. I assumed the loan would be discharged and I would send a tax document for the total and taxed. I read this on the internet myself. Now I find out our {$12000.00} loan has {$14000.00} capitalized interest. I was given a partial discharge of {$9500.00}. We still owe over {$18000.00} on this student loan. Why are not my loan and the interest that goes with it discharged? If my loan was an individual loan it would have been. There have been thousands of dollars in payments made. I asked  the Office of  the Advocate for a printout from  XXXX  so I can see where the payments were applied and how they arrived at the discharge amount. THIS IS TOTALLY UNFAIR! So I am discharged but not really! I am going to be taxed but still have to pay my loan. I still have to pay interest on a loan that supposedly I qualified for a permanent disability discharge!      Navient is a HORRIBLE, DISHONEST, co mpany that has sent me no communications throughout this process. I NEVER asked for the loan to be deferred. I would have made payments to stop the bleeding if I knew I would ultimately be held responsible. THIS IS A CRIME!     I am going to follow the instructions from the article in USA dated  XXXX  documenting how the CFPB is suing Navient. I believe this to be another supporting case of injustice and total wrong doing. I might be  XXXX  now but not stupid at all.  XXXX   XXXX  and Navient dont care about the student borrower or being repaid. They just want to be a loan shark and take advantage of people. I plan on contacting my attorney general ; the national federation for the  XXXX  and having an attorney review this entire mess. I will not rest until I have explanations and documentation to support this HORRIBLE treatment!

Company response to consumer: Closed with explanation