Consumer complaint received 2024-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (AZ)

My XXXX had a school loan, which I was a cosigner supposedly, for XXXX XXXX in XXXX, XXXX. when we lived up there. There was a court case in which we won that proved the school defrauded the student, which should have discharged the loan but they, navient, denied it. So the school has closed, lost a fraudulent and predatory lending practices lawsuit, and my wife has a XXXX discharge. Then my wife filed for a XXXX discharge which she won and she was discharged. We were told while waiting that they could and have before discharged the co-signer ( XXXX ) as well and that they would contact us before a final decision is made so they can gather more information. Well we got a letter in the mail stating her loan had been granted a XXXX  discharge from navient and that was all. Apparently the made a new loan in my name without asking, permission, documentation, contact or anything. I only found out because someone from navient called my XXXX phone saying I was delinquent on MY loan. I have never requested, signed for a loan in sole my name. To be honest I don't even remember cosigning for my XXXX. So I looked at the original documents and there is no signature from me. Navient says its an electronic signature but even with multiple requests in phone, email and in writing has yet to provide proof other than their word. I have done research and found multiple bills that have been enacted and passed protecting the co-signer from this predatory lending practice and under a XXXX discharge they all say that navient is required to discharge any and all co-borrowers and co-signers. opened a case with their consumer advocate office and supplied my pictures and references and they came back with its not law yet. when it clearly states the date that it will be enacted. XXXX I got a message about someone there " making a decision '' and " if she doesn't hear back before XXXX eastern time then she will mark it as a refusal and resume accordingly ''. My XXXX talked to her that day and explained we have been dealing with XXXX XXXX at the office of the customer advocate and the lady said that person doesn't exist and said if we sent money then we had been scammed. How can they not exist after we have called navient and been connected to her and corresponded via email? I tried calling 4 times, each time i was on hold for over XXXX minutes between transfers and holds and could never get to the person who calls as i only have a XXXX minute lunch with very few short breaks it is almost impossible to get ahold of this person in such a short timeframe. In any event, we were given the option to switch the loan back to my XXXX XXXX name if the " decision about discharging the loan from my name was not favorable '' so my wife told the lady that's what she wanted to do. The lady, same one that called me and left a message, told my wife " that's not possible and has never been an option ''. we are a single income with my XXXX permanently XXXX and we are below the low income of {$4300.00} per month. I can't afford to pay back this loan buy myself, if we were dual income we could but know that i am the sole provider it just isn't possible. It shouldn't matter though as the law states that all parties should have been discharged since its a XXXX DISCHARGE.