Consumer complaint received 2016-03-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I checked my credit report, and saw I had outstanding loans with Navient and the Department of Education. I never signed for the loans. Navient mailed me a copy of a Master Promissary Note from XXXX XXXX that had an " electronic signature, '' but no physical signature. The electronic signature was my name typed. The application was never done nor submitted by me. The phone number on the application was my parents phone number, not mine. The email on the application was not my email either. The person who filled it out listed my grandmother as a reference, even though I did n't talk to her, did n't have her address, or her phone number. I reported it to Navient and the Department of Education. Navient rejected my fraud claim I placed through XXXX XXXX, and told me to just consolidate all the loans and apply for dischargement. They told me last year while my XXXX case was pending I would be automatically approved for discharge if I was approved for XXXX by Social Security. I received approval for XXXX backdated to XXXX XXXX XXXX and sent it to Navient. Navient told me I ca n't get approved for discharge for XXXX unless my approval letter states I have a medical review in seven years, even though Social Security mandates a two year review for all new approvals. Furthermore, I told them I did n't sign for the loans, they told me it was done online, and I can challenge it in writing. When I logged in to the Department of Education website, I found a letter from XXXX XXXX XXXX stating I was approved for student loans even though a letter I received XXXX XXXX XXXX stated I was denied loans. I was in the hospital on XXXX XXXX, XXXX, and permanently left graduate school at the end of XXXX XXXX and was no longer enrolled. I never knew the loan was approved, because the last letter I received from the Department of Education stated I was denied. I was n't even enrolled as a student on XXXX XXXX XXXX when the loans were approved and given to the University XXXX XXXX. I reported identity theft with the FTC already and have an affidavit, but Navient and the Department of Education are refusing to discharge my loans. They promised me they would be XXXX as long as I was approved for XXXX by Social Security. Also, Navient told me to defer my loans while XXXX was pending and it would not negatively impact my credit report, yet my credit report showed the loans as negative after I was approved for deferment. Now they are telling me I need to consolidate and " bring my loans current '' immediately, even though I make below the federal poverty line and can not afford to pay them, and even though I NEVER signed for any loans from Navient and never was told by the Department of Education I was approved for student loans when I was n't enrolled as a student. My parents applied and signed for all the loans with Navient, I never signed for them, and the Master Promisarry Note is fraudulent and was not done by me, and the loans all need to be XXXX. I have a claim with the FTC with an affidavit of identity theft and reported the identity theft to the police. My credit is destroyed and I have a new born son and am trying to buy a home for him and ca n't because Navient lied to me about deferment and discharge. Navient knew I was below the poverty line and had no income and told me to defer not discharge them, and knew I was XXXX and are still trying to get me to pay the loans. I also found out the loans accrued interest and I owe more now. Navient then lied by telling me my loans would be XXXX with XXXX approval by Social Security, now they say I ca n't because my review is in the standard two years, and now I need a doctor to fill out a form.

Company response to consumer: Closed with explanation