Consumer complaint received 2017-07-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
First of all, thank you, CFPB, for adding the designation " Fraudulent Loan '' as one of the options for filling out a complaint. As previously indicated in my XX/XX/XXXX complaint ( CFPB # XXXX ), I did not have a student loan. XXXX XXXX XXXX, XXXX issued a fraudulent Administrative Wage Garnishment to my place of employment ; they do not have the legal authority to do this. They claimed that they were acting as an agent for XXXX XXXX. It took several months to receive this information. At first, they would n't state who they were collecting on behalf of, and both XXXX XXXX XXXX and my workplace did not provide me with any documentation. Upon being told of XXXX XXXX, I contacted the number. The number was actually for Navient. I then filed a complaint against Navient ( number referenced above ), and via the CFPB portal, Navient had the audacity to provide me with a fillable PDF as my supposed Master Promissory Note. The information is so fake that it does n't even have my actual, legal name. Every single line on the form has inaccurate information. In the CFPB response, Navient claimed that they were acting on behalf of XXXX XXXX, and that I needed to contact XXXX XXXX. The number provided was again for Navient. I have had multiple recorded telephone conversations with Navient, and they continue to claim that they are speaking directly with XXXX XXXX and operating on their behalf. As you are aware, XXXX XXXX is actually XXXX XXXX and has undergone a name change. They clearly list on their website that any student loans are being serviced by XXXX XXXX. I never had any loans with XXXX XXXX, Navient, XXXX, or any other entity. I do not owe any monies to XXXX XXXX, Navient, XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX I contacted my college about this, and they referred me to two government sites myeddebt.ed.gov and studentloans.gov. Both sites verify that I did not obtain student loans to attend the XXXX XXXX XXXX. In addition, they reveal that I did not have any form of student loan documentation at all, including loan counseling, which would have needed to occur. Navient then mailed me a fake loan exit counseling form. It has all initials for the first names, and these are made up names. My name is not shared by any other family members ( parents and in-laws ), so the lies are extremely blatant. It also lists workplaces, such as XXXX 'XXXX and XXXX XXXX, which did n't exist during the time I went to school, and I have never known anyone who works at such places. Further, it lists the wrong residence for me, in addition to not listing my actual legal name. To me, the most egregious error is providing a fillable Master Promissory Note PDF. During the time I attended college ( XXXX ), there was n't the ability to email fillable PDF forms. I am entitled to the original document and there should at least be a " true and correct copy '' ; the fact that Navient thinks it can just fill in the information and send it as a changeable file is appalling. After complaining about this, Navient then sent me a second MPN in the mail via USPS. This MPN is different than the one provided online via the CFPB portal. It is also fake, and the fact that there are now two reveals that Navient is literally creating these documents in the modern era. In the case of the mailed document, Navient has placed an " 8 '' symbol where a checkmark should be ; that would n't have been possible in XXXX. In a recorded conversation with XXXX XXXX, the Customer Advocate for Navient, I repeatedly requested the number for XXXX XXXX. At the end of the conversation, she admitted that she had been the individual to respond to the XX/XX/XXXX CFPB complaint and that she had provided me with the XXXX number, claiming it was XXXX XXXX, when, in fact, it was Navient. I requested the number again ; she claimed there was no XXXX number and gave me : XXXX. That number is also Navient. After providing proof of such, I was then referred to a new Customer Advocate, XXXX XXXX. XXXX XXXX similarly continues to claim that XXXX XXXX  exists, but similarly provides contact information for Navient. Navient is clearly fraudulently representing itself as XXXX XXXX. It is claiming guarantor status, when it does not have that status, and it is actively fabricating fake Master Promissory Notes and other loan documents, such as exit counseling documents. In the recorded conversation, XXXX XXXX claimed that it had to be the XXXX XXXX XXXX who did this. So, Navient is also openly and actively defaming colleges and then attempting to collect money not owed to Navient. In addition to these problems, Navient has tried to claim that they can collect on loans that the Federal Government has already said they can not collect on. In the CFPB complaint response, Navient states that three loans are uninsured and not able to be defaulted. That is because these loans from before XX/XX/XXXX were PAID.  Navient has been told this repeatedly, and yet, they are still contacting me about something they have been expressly forbidden from harassing me about. I want to be part of the class action against Navient. They have wasted seven months of my life. I have had communication from them at least every two days for the last seven months, and they will not cease and desist, even though they have been sent a Notice of Intent to Sue.

Company response to consumer: Closed with explanation