Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: NJ
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:
This is my second complaint to the CFPB, first complaint case # XXXX, regarding Navient Solutions Group. I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with Navient Solutions the servicing company handling the collection of the payments. Navient has ruined my credit standings with XXXX and the other XXXX credit agencies. On XXXX XXXX XXXX, I called Navient and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. Navient Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. It is now XXXX/XXXX/XXXX, and I am in complaint again about Navient. This company has reported me again to the credit bureaus, it was reported to XXXX Credit Bureau on the XXXX of XXXX. The information reported in error was that I was 60 days late with payment, which is totally incorrect. I filed a loan forgiveness with the federal student loan to discharge my federal student loans, which was granted more than a year ago. I filed a loan forgiveness with Navient and the request and application went unanswered. till this day I have not received the status of my student loan forgiveness application with Navient. I was told by a representative at Navient to continue to make my regular monthly payments until my application has been decided, so I did. the first I was reported to the credit bureaus it destroyed my credit. I was unable to refinance my home, I was stuck in a rut. The first time I was reported late to the credit bureaus I had made payments on those days. The damage that Navient caused was irreversible. XXXX of the credit bureaus XXXX initially removed the negative information from my credit report but XXXX never did. Since then XXXX is the only company that has kept the negative information off my credit report. Navient is detroying my credit report and I may never have the opportunity to refinance my home.

Company response to consumer: Closed with explanation