Consumer complaint received 2016-09-24
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient WILL NOT RELEASE MY CO-SIGNER AND I 'M AT MY WITS END!!! I had a loan with XXXX XXXX, which in turn was sold to Navient. I was issued my consolidated loan XX/XX/XXXX with my ex-husband as my co-signer, since I was unemployed at the time. 

During our divorce filings in XX/XX/XXXX, I applied to have him removed as a co-signer. The request was denied although I was never made aware of the lender 's decision. Last winter, my ex-husband put his house on the market and realized he was still accountable as a co-signer for my loan which seemed to affect his credit. I immediately filed to have him removed again only to find out that I was ineligible due to the fact that I was n't meeting all the criterias, specifically not having missed a payment within a 12 month period. Until XX/XX/XXXX, I had never missed a payment ( the result of me transferring my auto-debit to a newly formed bank account and having it not go through properly, a simple glitch if you will ). I fixed the issue within 10 days. It 's been almost a year and have been waiting until next month to finally file to have my ex-husband removed again as my co-signer. 

This outcome will not be possible. For some reason, although I had schedule my XX/XX/XXXX payment on XX/XX/XXXX ( something I do every month ) Navient decided to change my due date to XX/XX/XXXX resulting in me somehow " missing my payment '' therefore adding a {$15.00} fee and of course, now nulling my soon-to-be co-signer release eligibility status. I ca n't understand WHY they would say I 'm late for a payment when the balance should technically carry over, even if one changes the date with a few days. I 'll be blunt, it seems a little too coincidental that at this specific time, I 'm all of a sudden deemed " late for a payment ''. I suspect foul play to be honest. 

In the past year I have called the customer service many, many times and BEGGED them to consider my track record, even applied online many more times since, but their call center in XXXX insists " there is nothing they can do since I do n't meet all the requirements ''. Period. The lack of flexibilty is infuriating, especially since I would pay over my minimum for so many years. Especially since I 'm no longer married to my co-signer. I 'm under tremendous pressure from my ex-husband for his release and I am more than capable of paying for myself with my income. I mean, I have impeccable credit ( last I checked it was XXXX ), I have a mortgage that I own all by myself and I ca n't imagine still needing a co-signer. 

I am so very tired of feeling taken advantage of and having very little interpersonal contact with this institution which frankly leaves very little room for customers to be given any fiduciary courtesies. I 'm being told, " why not refinance with someone else? '' Because I refuse to have another institution make me pay XXXX in interest when I already have paid tens of thousands in interest to Navient/XXXX XXXX already. It 's a very stressful situation that makes me feel helpless and without recourse. I desperately need your help as I 'm being threatened by my ex-husband of legal action if he 's not being removed as soon as possible. A consequence Navient really could n't care less about. Nonetheless, something I feel should have been resolved back in XX/XX/XXXX/XX/XX/XXXX when I first applied to have him removed and have fought for ever since. Please help me, I 'm so tired and dont want to further myself in debt just to release a co-signer.

Company response to consumer: Closed with explanation