Consumer complaint received 2020-04-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2005 Navient talked my wife and I into consolidating our student loans ( {$25000.00} ) which I do not believe was the correct amount as some of the loans were written of due to my XXXX and being out of work for 4 years. When I requested the copies of the original loans to be sure they were correct, they never provided them to me. I was threatened to have my accounts turned over to credit bureaus unless I signed the consolidation of our loans. 
While I was in graduate school ( XXXX  XXXX and XXXX XXXX ) I applied for forbearance and understood it was granted each time only to find out later it was not. I called repeatedly to have them change the status on our loan during that time when I received something in the mail. Each time I was denied and argued to them that I was in school and applied for the forbearance each time. 
I have also requested to get copies of the previous transactions on the loans before they were consolidated and they tell me they do not have copies. I have called Sallie Mae and Navient on this issue and both tell me they do not have that information. I have repeatedly told them I want to file for loan forgiveness and they tell me I do not qualify. I requested this when I was a professor at the XXXX XXXX XXXX at XXXX and recently as a professor at a XXXX XXXX XXXX XXXX. Even though I firmly believe I do qualify, I am told I do not and can not get anyone at Navient to assist me in this matter. 
I also firmly believe that have fraudulently created accounting error on purpose to my account to get more money from me. The account I have now will not allow me to see any of the previous payments made under Sallie Mae. Nor will they give me that information to see how much I have paid in total on these loans. 
Since the consolidation of the loans I have paid {$36000.00} in Principal and Interest alone. I believe I have paid somewhere in the neighborhood of {$50000.00} total from the old and new loans but can not get any kind of confirmation. I firmly believe I was not given the forbearance because they wanted to be sure to extend my loan where I would have to pay more. 
The list below indicates the issues with Sallie Mae  and Navient : 1. They have prevented me from obtaining information on my account ( old and new ). 
2. Fraud in processing forbearance and therefore the payment and process. 
3. Never did anything when I complained about the Forbearance while I was in school. 
4. I requested a lower interest rate, to re-consolidate and was denied for no reason. 
5. I informed them that some of the previous loans were written off due to my XXXX and inability to work. I firmly believe these loans were consolidated into the current loan illegally. 
6. When I requested student loan forgiveness, I was told I did not qualify which I feel is false after looking at the programs. 
Overall, I feel I have been scammed out of my hard earned money. As a XXXX veteran, former XXXX  XXXX and a XXXX, I feel I should have been give more information in the programs for loan forgiveness. I also believe I have been deceived in their entire process. I am certain I have more than paid my loans and then more. The really bad part is I have no idea how much as been paid on the previous loans before the consolidation. 
I am attaching an XXXX  spreadsheet but it does not contain any payment under the previous loans before consolidation. I can not even make head or tails from their accounting system to see how much I have truly paid.

Company response to consumer: Closed with explanation