Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

On or about XX/XX/XXXX, a student loan was taken out in my name if the amount of {$4000.00}. The current amount owed on the loan is {$11000.00}, for XXXX XXXX XXXX XXXX XXXX This loan is a fraudulent loan and is not my loan. I have never attended XXXX XXXX XXXX XXXX and have no student affiliation with them. In XXXX I filed a XXXX  XXXX in the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and all student loans were included in the filing to include this loan. Although the loan was not or is not dischargable it is still required to listed as a debt and is still subject to protection under the automatic stay. The XXXX  XXXX was XXXX in XXXX the same filing year. The only thing I knew at the time was that there was a loan serviced by Sallie Mae and I had no knowledge of this loan being tied to XXXX XXXX XXXX XXXX or XXXX. In XXXX I under false allegations from my now deceased ex husbands attorney was required to reopen my XXXX  XXXX and include certain parcels of real estate. This case was reopened on or about XXXX of XXXX and remained on the docket until XXXX of XXXX. Again all debts were listing to include this loan. Still having no knowledge of this institution for which this loan was obtained I assumed it was either for XXXX  XXXX XXXX or XXXX XXXX XXXX  where I actually did take classes and utilized student loans. During the course of the reopened XXXX  XXXX Navient now the serving agent of the loan continued to attempt to collect on the student loan and on numerous occasions was advised that the XXXX  XXXX was in place that this loan feel under the protection of the automatic stay and that they were in violation of the federal bankruptcy laws for attempting to collect on a debt included in a bankruptcy. Navient continued to report the loan past due and reported to the credit bureau this information and eventually dropping my credit score by the illegal and inaccurate information by XXXX points. Numerous contact was name with Navient and they refused to verify the bankruptcy information, refused to respond to cease and desist letters by my attorney and simply stated that they would not abide by the federal laws because they did not apply to them. All of the conversations are recorded and should be on file for verification. In XXXX of XXXX after an intense and accurate of XXXX documents provided to the bankruptcy court for a period of time covering approximately XXXX to XXXX it was determined that the XXXX XXXX was again a no asset distribution and was dismissed as such. In XXXX of XXXX I received a letter from XXXX  XXXX XXXX XXXX that they had paid Navient approximately {$11000.00} for this loan as Navient had reported to them that the loan was in default and XXXX paid to them the amount Navient advised was in default. I contacted XXXX and advised them that I was in a XXXX  XXXX from XXXX until XXXX of XXXX and they advised me on a number of occasions that they did not care. That they paid Navient that the loan was in default and that they were going to garnish my wages. Finally I reached out to the Ombudsman for XXXX XXXX XXXX on XX/XX/XXXX, and told her about the situation. Her words to me were that my account was a mess and that there were no student records for me at XXXX XXXX and that this loan money was supposed to be returned to XXXX XXXX XXXX many years ago. She had me fill out an unpaid refund application and email it back to her. She advised me that she was going to approve the refund and that it would be sent to XXXX XXXX XXXX  to be processed. At this time the form has not been received by XXXX of XXXX according to their records and this loan has not been refunded to XXXX XXXX XXXX. It is still outstanding. I was not aware until XXXX of this year that this loan was for XXXX XXXX. This loan is a fraud and this money was embezzled or used for something other than education for or by me. All of this years I was never advised that this loan was for alleged educational use at XXXX XXXX. I have never taken classes there and this loan in not a responsibility that I am willing to assume. This was a fraudulent conveyance of funds either to the university which I was advised was suppose to return the funds and didnt or by the servicer who at the time was Sallie Mae . This loan has devastated me financially and has damaged my credit and has put me in a hardship. Had I known it was a fraudulent loan when I filed the XXXX  XXXX in XXXX I would have filed it as such fraud as it is with the XXXX XXXX  XXXX. I have secured a court date of XX/XX/XXXX at XXXX in the XXXX XXXX XXXX XXXX XXXX  to file a motion to reopen my XXXX  XXXX and filed a motion for sanctions, motion to rule for show cause, and motion or fraud and or embezzlement if this matter is not cleared up and this loan removed from my name and off my credit report and these funds returned to the XXXX XXXX XXXX. I have also spoken with a consumer protection law firm and if this is not removed from my name will also be filed in the federal court for fraud and damages. This loan is not my loan. I did not take classes or benefit from the distribution of these funds/student loan and I will not be held responsible for a fraudulent loan. If necessary I will file a XXXX  XXXX and have this matter brought before the federal bankruptcy court by the attorney and will have sanctions and or fraud charges criminally brought before the court and an order by the court to return the funds. This matter is being taken very serious and I will by whatever means legally necessary file with the courts to see that all parties involved in this fraud are prosecuted to the fullest extent of the law.