Consumer complaint received 2021-05-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My complaint is highly related to incorrect financial reporting/abuse conducted by Navient and Studentaid.gov. In XXXX I consolidated my student loans with Sallie Mae so that they were all with one lender, Sallie Mae. Later down the road I was notified by another lender that I was late or have missed payments on my student loans, but what turned out to be an error in which an account was left off consolidation. 

So in XXXX, I had to do another consolidation to include the missing account, which was a very small amount XXXX {$3500.00} XXXX. The statement received in XXXX of XXXX shows that my total balance was {$52.00}, XXXX. Some of my loans were with other lenders even though I had consolidated them all with SallieMae. 

In XXXX, some of my loans were given to XXXX by Federal Student Aid, and I am not sure why as XXXX was never my lender and I had not requested them during any consolidation application. 

XXXX begin to report XXXX via my credit ) in the later part of XXXX and had placed these accounts on my credit file with late payment marks, affecting my credit worthiness, which is what in part prompted bankruptcy. I sent them a good faith letter asking them to remove the late payments, as my loans should have never been assigned to them, but they refused to help. They advised me that I needed to contact Federal Student Aid to see how some of my loans were assigned to them. 

I ended up having to do another loan consolidation, as I did not want any of my loans with any other lenders. I have only and always selected SallieMae/Navient. When SallieMae changed to Navient things just seem to go downhill and they have not been the same. My loan balance was {$52.00}, XXXX as of XX/XX/XXXX, and skyrocketed to {$84000.00} by XXXX. 

I have not taken out any student loans since XXXX, as I was near the XXXX loan max of {$57000.00}. So I contacted Navient in again XXXX to have the matter regarding the incorrect balance corrected and for them to provide me proof. I requested for them to send me all promissory notes, loan disbursement dates, all consolidation applications ( along with dates submitted ), and loan amounts provided. I have yet to receive all of this information. What I did receive were letters that all did not have dates, and I was only provided partial of the requested documents, so I could not compare the details against the financial aid documents I recently ( XX/XX/XXXX ) obtained from all institutions that I took out loans with. I am not even able to match the account numbers reported on my credit file to any information with my studentaid.gov account or within my Navient account. If there were 8 consolidations done on my account, why was I not provided with all XXXX applications with dates so that I can reference my notes. 

I was also being charged interest while in-school XXXX years XXXX XXXX, and year XXXX ) and on both loans and Navient advised me that none of my school were not reporting me as enrolled. I then provided them documentation XXXX enrollment letter XXXX that I was in fact enrolled. They still refused to modify my account. I then ( still in XXXX XXXX filed a complaint with the Ombudsman department, as I was not receiving the information I requested from Navient. I have been working on this concern for over 3 years, and I recently ( XX/XX/XXXX ) filed another complaint with the ombudsman group regarding this entire concern, and they basically recapped everything I had told them, in an email back to me without additional details or guidance that was received on XX/XX/XXXX. 

On XX/XX/XXXX - I filed a case with the ombudsman group regarding the incorrect balance of my student loans reporting on my credit reports, and also because Navient has not provided the requested information I've asked them for. 

On XX/XX/XXXX - I called Navient, spoke with XXXX, and we spent over an hour trying to go over my consolidations and loan details. XXXX advised me that there are only two loans were taken out by SallieMae, and that she shows 4 consolidations being done on my account. However, when I log in to my studentaid.gov account it shows that 8 consolidations were done on my account. Some of which do not show where the attending school was nor how much was taken out per term, they only show high balances. A consolidation is to bring all accounts into one account for easy management and it seems that my consolidations were consolidated from a consolidation into another consolidation, only to be consolidated again. Meaning, it seems as if balances that were already included in the consolidation were added again when the consolidation was corrected, only it was still not corrected. This is highly frustrating. 

There is no way that my loan balance increased well over $ XXXX within a XXXX year period, when I never exceeded XXXX loan maximums. I really do not know what else to do at this point and I feel as if I have exhausted all of my resources. Please help me!! Please..

Company response to consumer: Closed with explanation