Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NH)

In   XX/XX/XXXX  I d ecided to go back to school and applied for the first time using FASFA to   XXXX   XXXX  ,   XXXX   XXXX   online. At the time I was living in NH and still as of today. In mid  XXXX  my marriage failed and by the end of the year we were on our way to divorcing. With direction from our legal counsel we filed bankruptcy due to neither  one of us being a ble to maintain  two households  on our income. I lost most of my  XXXX  and of course I began  the long road to rebui lding my credit.  <P/> I did not have the money to pay any student loans, so from  XXXX  to approximately  XXXX  my loans went into default status. I was a novice to the student loan arena. I finally began the steps to begin repaying i n  XX/XX/XXXX / XX/XX/XXXX  an d paid what I could and got to a point of bringing several from default back to normal standing.  <P/> There was a rather huge loan of at the time approximately {$30000.00}. As things have progressed up to this point, I never really thought about it, but now I question if I should be paying a $  XXXX  loan for a 4 year program of which I only attended less than 1 year.   This loan was with at the time   XXXX   XXXX  , now  Navient.   <P/> Because it moved to default status, I was notified by a company called   XXXX   XXXX   XXXX   that they now owned the note and I had to pay them. I began doing so. It had become increasingly more and more difficult to go online to make my $ 150 monthly payment and they would not take my calls to assist. I finally sent a letter indicating that they would not receive any further payments until they provided an account summary and conduit to pay the bill. Still no answer. I kept noticing that even though  XXXX  said they owned the note, the value still showed in my   XXXX   XXXX   online account. I thought this was odd.  <P/> A couple of months passed and still no contact from  XXXX , so I began to shift payment from  XXXX  back to   XXXX   XXXX    ( no w Navient ) beginning  XX/XX/XXXX   <P/> Over the past few monthsflags have been popping up on this account to which makes me think that something is off with this loan. My spouse has recently acquired her  XXXX   XXXX  through a university in our area. The school got the money for just the semester she was in and then paid her what was left, if anything. She used the balance of such funds to pay for her books and incidentals. If she does not use the funds she puts it back on her loan, however she never was charged the full value of the program she is charged for the classes she takesif she does not finish the program, she is paying only for what she took not for what she did not. I guess that was the first red flag for me.  <P/> The second flag is if the note was taken over by   XXXX   XXXX   XXXX   ... why is it still showing in my account on  Navient? I c alled  XXXX  end of year in  XXXX  to ask for tax paperwork for the loan. They told me that it is no longer a federal loan, that they owned it, that I would never get tax paperwork to file and it would never go back to at the time   XXXX   XXXX  .  <P/> I have read all over the internet articles that  XXXX   XXXX  is now closed and it is closed for fraud among other issues. I never was notified of this issue as a student of the college or else I would have been all over this.  <P/> Today I have run a credit report from  XXXX  and find that this  XXXX  loan ( which now shows on Navient for like  XXXX  ) is not even on my report.not in collections, not even as an active account.  <P/>  One thin g against me is I dont have the original westwood paperwork any longerbut it does show that I attended the college. I recently applied and was accepted to  XXXX  to finish off my  XXXX   XXXX  and they showed me as a student there. Not sure if that is against me or not, but they did not show this  XXXX  note.  <P/> From the studentaid.ed.gov site when I log in this shows all my outstanding student loans ... this note is not among them. According to this site, I have only {$4200.00} in outstanding student loans ... obviously a bit more will be added with the new loan from  XXXX .  <P/> Im not out to get a free ride, however I dont want to be taken for a ride either. I am seeking to have this note put to bed, but am not sure if I have the legal right to do this and if I do am not sure where to start.  <P/> I did speak to a student loan lawyer who shared that it appears that  XXXX  fraudulently took loans out against students who all seem to be finding out after they left the school.  XXXX  went belly up around  XXXX . He said since  XXXX   XXXX   XXXX   Navient )  bought the loan it 's not their fault and I have to pay them. But here is my issue ... if in fraud situation someone sells me stolen merchandise, I 'm out of the money and have to return the product. In this case,  XXXX  stole the money and  Navient purchased it ... so why ca n't the precedent be set to make Navient give it ba ck? I should not have to pay for this. This is identity theft for which I should not be responsible for it. I have been paying back. I 've been paying {$150.00} month since   XX/XX/XXXX  ( actua lly since  XXXX , but I 'll round it off to a full year ) and assuming a class is {$1000.00} ... I 've paid {$9000.00} back. I attended less than a year before stopping. I believe I 've paid back what I owe.  <P/> I 've emailed  Navient and r equested a report of any/all history from the time of this loan inception to be sent to me as of XX/XX/XXXX . I 've attached a historical report from   XXXX   XXXX   XXXX  . I 've attached a screenshot of the studentaid.ed.gov account showing that this $  XXXX  loan does not exist. For my security ... I am not including my credit report, but will if requested ... this also does not show this loan, but it does show all my other ones with approximate total balance of {$4200.00} -  ( one  was just paid off in full from AES ).  <P/> I feel like this loan should not exist. There is no way that in less than  one year th is student loan would be  XXXX . My courses now at  XXXX  are  XXXX  per class. Even if I took  XXXX  per term with  XXXX  terms a year is $  XXXX  per year. When I went to  XXXX , class costs were well below this and I only took  XXXX  class per term ... so this number would have even been lower - not to mention I did n't finish year  XXXX  due to my divorce.  <P/> Can I get help to fight this?  <P/>   XXXX   XXXX    XXXX