Consumer complaint received 2024-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I am writing to file a formal complaint against Navient regarding their denial of my request for discharge of private student loans that were used to finance my education at XXXX  XXXX XXXX. I believe their denial is unjustified, as my federal student loans for the same degree program were discharged by the U.S. Department of Education due to school misconduct under the borrower defense program. 

Background Information : * School : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Enrollment period : XXXX * Federal Loan Discharge : My federal loans, which funded the same program, were discharged due to findings of school misconduct and fraudulent practices by XXXX  XXXX XXXX XXXX 

* Private Loans : The private loans I am seeking to discharge were obtained from Navient to finance the same education program. 

Issues with Navient : * Despite the approval of my federal loan discharge, Navient denied my request for discharge of my private loans. 

* I received no specific explanation for the denial, despite multiple attempts to seek clarification. 

* I have submitted all necessary documentation, including employment and salary history after graduation, and the discharge letter for my federal loans, but Navient has not responded with a valid reason for their denial. 

* I believe Navient is acting in bad faith by failing to address my concerns and refusing to provide an appropriate discharge for loans that funded a fraudulent program. 



XX/XX/year> : Email School Misconduct Application to advocate @ navient.com, but I get an automated email reply with a blank application. 
XX/XX/year> : Mail printed School Misconduct Application since sending it by email is not an option. 
XXXX XXXX : Received email letter notification they received my application XXXX XXXX : Received email letter NOI notification that my application was incomplete, but no specifics on what was missing. 
XX/XX/year> : I called XXXX different times and couldn't reach anyone. Left voicemails. 
XXXX XXXX : I called again, and finally was able to reach someone which told me the application was not legible that it looked like it was scanned incorrectly. I told them that was impossible because I didn't scan the documents, I filled them out in pdf and I printed them, then mailed them. They said there was nothing they can do, I just had to do it all over again and resubmit a new application. 
XX/XX/year> : Filled a new application again and mailed new School Misconduct Application XXXX XXXX : Received email letter notification they received my application XXXX XXXX : I received email letter denial notification. There is no specific reason why I was denied and that their analysis is confidential. Their response is " Please understand, each application is subject to our review and discretion. A variety of criteria are used to determine eligibility, including, but not limited to, proof of resulting harm, sufficient documentation supporting your claim, date when events occurred or when you experienced harm, etc. Because we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. Navient considers a variety of factors in determining whether a private loan should be discharged based on school misconduct. That analysis is confidential and proprietary to Navient. "