Consumer complaint received 2020-10-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX I went to file my taxes with XXXX XXXX XXXX XXXX and applied for a anticipation refund loan which I was suppose to receive with in two business days. I called to check the status of my return and found out that the my tax refund was offset and re directed to the department of education for unpaid default student loan. As of XXXX, XXXX all of my loans were paid in full to Salliemae. which were the original lender for my loans. Sallie mae had contacted me in XXXX to get my loan out of default that i would have to pay the total amount due for my loans and threaten to put a lien on my parents home. My parents decided we needed to apply for a home equity loan to pay off my student loans with salliemae. the settlement payoff amount was XXXX. A lawsuit was filed by the Attorney General against my school XXXX XXXX, XXXX XXXX, and Salliemae. for several unlawful, fraudulent acts. from the years of XXXX through XXXX. I then reviewed and had to look through old records from the year i attended. came to find out that I had paid over the amount owed for my student loans and should have not offset my tax refund of XXXX i recently filed and redirected to department of Education I Would like my tax refund of the total amount that was wrongfully and illegally taken from me which was ; {$3000.00} by the Department of Education List of Supporting Documents : I have {$1900.00} in paper checks that were withdrawn from my account. to XXXX and Sallie mae.. i have Electronically Payments that were withdrawn from our bank account total of {$570.00} i have copies bank statements total amounts {$770.00} including a wire transfer of the total settlement pay off amount of XXXX and in addition to that my tax refund that was taken on XX/XX/XXXX of a total amount of XXXX by Department of Education The Complete Total Amount that was paid was XXXX I was charged over the amount of the my tuition.. THE TOTAL AMOUNT OF MY TUITIONS when I signed the loan agreement was XXXX total including the dollar amount the credit would cost me and charged is of {$5400.00}. Their was several altered information done by the school and my lender. XXXX would not post my payments towards my student loans.Sallie mae would raise my interest rate two times a month. payments by check were paid up to three times per month to both sallie mae and XXXX. and withdrawn from our account. Sallie mae sent statements with past due amounts when we paid more than the monthly payments amount and eventually put my loans in default. when payments were not late, doing that. they would raise the interest rate, split up my loans into five loans, add interest rate fees to each loan as high of 18.25 % charged for late fee that were originally XXXX and was raised to XXXX per month. 
I have been given the run around for years. Sallie mae which is now called Navient. Have done so much harm to my life, when i was XXXX i couldnt even apply for a credit card because of to many loans were open. Rather it was XXXX, XXXX XXXX, Navient ed fund, or Department of Education have fruadulent collected and ruined my credit to the point i could never fix.. O would like what was owed to me and my parents. Its only fair. I shouldnt have to have my parents and i go through this because i was XXXX  to take the word of a XXXX  representative. I thought they were going to help me get a career and i thpught i the time is was worth it.

Company response to consumer: Closed with explanation