Consumer complaint received 2022-06-07
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PAST HISTORY : In XXXX, I borrowed a {$6800.00} loan from Sallie Mae to pay for private tutoring for my ( then ) XXXX XXXX son to prepare for XXXX  XXXX  entrance tests. His lessons concluded successfully in XX/XX/XXXX. I made payments for about a year. However, due to a XXXX XXXX XXXX XXXX, in which I was unexpectedly poorly compensated ( $ XXXX ) in a XXXX settlement, I eventually became unable to continue with the loan payments. A company representative from Sallie Mae phoned with a threat : either I pay the loan or they would change the private loan to a student loan and block me from ever attending school again. Another phone call was made about three years ago with the exact same threat.

CURRENT ACTIVITY : Two months ago, in XX/XX/XXXX, I was accepted into a XXXX  program at a XXXX  university back XXXX. I signed up for a XXXX XXXX student  loan in XXXX, but was denied due to adverse credit. Sallie May ( now renamed Navient ) had followed up on their threat. On StudentAid.gov, a student loan for {$8000.00} ( appr ) was fraudulently posted from this 17 year old debt ( which would have been charged off ). Also, this company accessed all three credit reporting bureaus ( i.e., XXXX, XXXX, XXXX ) with 10-15 false charges with arbitrary amounts ( e.g., {$200.00}, {$300.00}, etc. ), as having been recently made within the past two years -- now all being more than 120 days old. As a result, my credit rating plummeted XXXX to XXXX points on all three credit reporting bureaus. I made a complain with XXXX ; they contacted the company to no avail. I was instructed to contact the FCC with a complaint. However, my complaint ( w/ the complaint number and all relevant information was immediately erased ). Someone has been hacking my telephone and computer records continually. I have found that no private information is ever safe anywhere ( e.g., even while readying this complaint this am on my laptop, I watched my desktop computer suddenly shut off partially, showing a prompt that photos were being accessed -- without my permission ). 

DOCUMENTATION : Consumers are instructed to keep financial data for up to seven years. Therefore, most people would not have any proof against this type of activity from XXXX years ago. However, I am enclosing documents that show proof of loan amount from a screenshot from my online account and signed information for the private tutoring ; this was not a student loan for myself, but a private loan for my son. It should be stated that he went on to not only earn XXXX XXXX XXXX but, also, just XXXX XXXX XXXX last month. 

XXXX XXXX XXXX XXXX XXXX : As a XXXXXXXX XXXX XXXX who has been on a federal XXXX for two decades ( i.e., XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), I am now fighting for my basic survival. Sallie Mae 's illegal activity has now pushed my finances on the brink to force me into immediate XXXX, next month. Although I went through XXXX  XXXX  w/ the State of California XXXX who allowed me to earn my advanced degrees, e.g., I, too, XXXX  from XXXX last year with my XXXX XXXX  Yet, the prospect of gaining employment in a post-COVID world is very slim. After years of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did well to XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and was prepared to launch an XXXX XXXX However, the pandemic blocked me from returning to employment to earn income for XXXX  Then, all ( XXXX ) Pandemic-related benefits for us, " XXXX '' or XXXX XXXX  abruptly ended in XX/XX/XXXX, right before I could advertise my XXXX XXXX  or launch my online XXXX. Now, two months ago, in XXXX, my CA COVID-19 Rent Relief benefit ended. The second and last payment is due in the mail anytime. Yet, I am now three months in arrears ; and state eviction protections ends on XX/XX/XXXX. Therefore, I was quite pleased to have received an Financial Aid Awards Letter on XX/XX/XXXX from the university showing that I had been granted a {$8600.00} XXXX XXXX  student loan and a Federal Unsubsidized loan for {$26.00} for my summer semester classes that begin on XX/XX/XXXX, which I immediately accepted. I also applied for a XXXX XXXX with results pending until XXXX, next month. Yet, due to Sallie Mae/Navient 's illegal actions, the university abruptly cancelled my Financial Award letter. Now, the ONLY financial aid I have is for a meager {$26.00}. Yet, I already owe more than {$3000.00} in tuition for the summer semester. Both of the threatening Sallie Mae representatives were brazen in their boasts that I would not be able to do anything about their illegal activities. The company would succeed in absolutely ruining my life, and I would have no recourse. Thus, now, I can not take out a business loan, buy property, rent a property, buy a car, go to school, open a department store account, buy goods or services online, etc. My credit rating is in the " poor '' category. Yet, before, with my previous XXXX rating, I would have qualified for a FHA home loan ( which requires XXXX plus ). 

MORE EXAMPLES OF BRAZEN BEHAVIOR AGAINST AMERICANS : I have seen such brazen and illegal activity repeatedly in my life : e.g., in my XXXX XXXX XXXX XXXX XXXX  ) case, the defense lawyer laughed in my face and my lawyer 's face at the XXXX XXXX courthouse, saying that they knew I had been XXXX XXXX XXXX XXXX, but they would get away with not having to pay. He had just come from the federal courtroom, where he had just promised the judge that they would pay that very day. I had already been made to wait almost a year for any XXXX payments and was in dire straits ( e.g., I also was made to wait three years for Social Security benefits and XXXX XXXX which was a completely unprecedented waiting period ). Yet, I had just proven with documentation submitted to/by my California assemblyman representative that test results were being changed, doctor records deleted, and other fraudulent activity occurring to destroy my XXXX case. ). 

Another example of fraud occurred, which resulted in the majority of my XXXX XXXX being wrongfully taken by a federal judge in XXXX, who instructed my former husband how to do so -- four years after our marriage was over. The awarded amount was approximately $ XXXX ; I received $ XXXX. My lawyer said XXXX and XXXX had no choice, but to pay him. During our marriage dissolution case in XXXX, the same judge allowed him to fraudulently report a $ XXXX annual income, when his earnings were actually in the six figure range. As a result, I was only given {$75.00} every two weeks ( or $ XXXX ) in alimony to this day. My former husband also was later allowed to wrongfully seize all proceeds of our home sale, and instructed by the judge how to take my portion of his pension ( although I stayed home to raise our children at his request ) ; my future social security pension at age XXXX from his account, and my 401K portion of his pension ( he retired about three years ago ). Yet, sadly, in XXXX, my children and I had previously been ordered by XXXX XXXX Sheriff, into an XXXX XXXX XXXXXXXX  for four months because of his activities. I had to go to court to fight for the right to have four hours to collect our possessions. 

Also, I was XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, three weeks before my XXXX XXXX A XXXX man waited in his car on the opposite side of the street with no parked cars to impede his view. When he saw me, while laughing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No lawyer would take the case. A deputy district attorney even told me 'not to go there ' in describing what had happened ; in other words, I did not even have a right to expose his potentially-deadly crime. Yet, my car with only {$4500.00} worth of damages was only compensated with {$1800.00} ; my injuries were compensated for only {$500.00}. I had to pay all of my own medical expenses, tests, etc., when the case was clearly acknowledged as solely being 'at fault ' with the other driver. Other people are given huge settlements in such cases. 

It would frighten any federal representative reading this complaint, if I were to describe the type and numbers of unimaginable hate crimes being perpetuated continually in this country against my person, possessions, records, finances, etc. I have included these extra details because they are directly related to a seemingly-ORGANIZED ongoing pattern. My former husband fought this, too, during our marriage, and finally gave in. Nevertheless, we have an amiable relationship for the sake of our children. 

I have always reported these problems to every level of government possible, e.g., XXXX XXXX Sheriff, FBI, Department of Homeland Security, Workers Compensation Audit Board, Department of Consumer Affairs - Automotive Division in California, etc. 

The results are always the same : all cases are always summarily dismissed, evidence is thrown out from doctors, political representatives, etc., and these brazen activities, with their detrimental effect against my life, are allowed to stand. 

Thankfully, against all of the odds lined up against us, my son and daughter, under my tutelage did quite well ; my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and is about to be married. Our faith in our Savior and L-RD Jesus stands as a testament to His faithfulness. 

CONCLUSION : I really do not wish to lose my townhouse apartment with all of my possessions regained from the past 25 years, next month. Is my entire family really supposed to witness the soon financial destruction of their mother, a XXXX  citizen who raised them well -- all because those who act illegally and brazenly, are ALWAYS allowed to do so freely, and, so well -- that they have absolutely no concern of any repercussions or prosecution. Another name for when this occurs is " corruption, '' a concept which is usually considered indicative of foreign governments. 

Therefore, this complaint represents one more determined attempt to have my grievances addressed. XXXX XXXX  starts on XX/XX/XXXX. I will have to XXXX XXXX XXXX in two days, if the XXXX does not act on my appeal. Any/all federal student aid will be lost, consequently. Yet, I really do not need an delinquent student bill. 

Last week, studentaid.gov representatives only phoned twice at inopportune hours ( e.g., XXXX, XXXX ), and my phone did not ring. Therefore, I made two more phone calls with representatives requesting agent calls on my behalf, over the past three business days. Yet, the normal follow-up phone calls were not made. 

However, I was only asking for an email address, so that I could follow the website 's instructions to document my description of the adverse situation. Sallie May ( or Navient ) is one of their largest loan providers at StudentAid.gov. Therefore, this refusal to receive my documents may be a sociopolitically or financially-motivated decision. Yet, they were bailed out in the billions of dollars by the federal government back during the XXXX recession, when their corporation experienced the inability to pay their debts. So, is this really a right response to an American citizen, such as myself, facing a personal debts, after repeatedly being deprived of rightful resolutions to my financial situation? 

So, here is one last comment. I did not mention that I am a XXXX XXXX. Consequently, how much does XXXX AND XXXX  play into all of these incidents, as a major factor? 

Yet, as a XXXX  woman, I believe that, we, must have enduring civil rights and legal rights in this country. Being a natural-born American should mean that we have the right to live and thrive here in our own country, doesn't it? 

-- -- -- -- -- -- -- -- - WHAT WOULD BE A FAIR RESOLUTION? 
My ongoing fight against unjust situations, as described in my FTC complaint, has resulted in occasional challenges to my credit file. However, according to the criteria issued by the StudentAid.gov office, only Sallie Mae 's actions resulted in the adverse credit denial of my XXXX XXXX loan. 

Therefore, a fair resolution to my FTC complaint is for Sallie Mae ( aka Navient ) to immediately make the following actions : ( 1 ) Immediately remove all of the false charges ( approximately 10-15 of varying arbitary amounts ) which were fraudulent posted onto the three major credit bureaus, i.e., XXXX, XXXX, XXXX. 

( 2 ) Contact the StudentAid.gov website to fully remove the private loan from my financial records. ( Note : Two weeks ago, I found the loan posted, showing approx. {$8000.00} owed. Then, the dollar amount was replaced with the words " N/A '' ; however, the negative report still remains under the corporation 's name.

( 3 ) Allow me the right to live, i.e., to XXXX XXXX XXXX continue my life, and have the finances I need to pay for my household expenses. By doing so, I will be able to immediately utilize my XXXX benefits to pay for XXXX XXXX XXXX XXXX and launch my XXXX XXXX. My XXXX was highly rated by XXXX XXXX XXXXs in America, as having the ability to become a XXXX. My online business would also do well in my XXXX XXXX XXXX XXXX Therefore, I would be able to pay off the entire loan, if not immediately, then, a reasonable payment schedule could be arranged ( e.g., appr. $ XXXX ). 

( 4 ) Issue a letter of apology to my school and myself for the unimaginable emotional distress inflicted by their fraudulent activity and the loss of my academic-religious reputation, by falsely being made to appear financially irresponsible, right before beginning XXXX studies.

Company response to consumer: Closed with explanation