Consumer complaint received 2024-07-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

CFPB Complaint against Navient and XXXX XXXX The student loan debt assumed to my name of ~ {$50000.00} was sold off for ~ {$5000.00}. This was after I filed for bankruptcy protection after a long bout of no and underemployment. Having paid Navient for a year and a half after bankruptcy until I ran out of money and was no longer able to pay. I have been dragged into court enough that I learned how to write legal responses because I couldnt afford an attorneys help after a time. Fast forward 6 years from when my payments were unable to be continued, I have continued to get judgement liens and so much legal paperwork that it is over a foot high. I have diligently worked for the last 2 years, saving, finally getting XXXX XXXX after a long bout of under and no employment. After adverse action was taken against me, I reached out to my lender with a settlement offer of {$20000.00}. This was after the attorney told me settlement was not possible, after first choosing not to respond to me ( Please see exhibit A & 1 ). P.S. I dont ever remember signing an agreement. It was a XXXX  time in my life having lost both incomes, my having to file bankruptcy & it being discharged. I had no job, & not even {$50.00} in the bank & writing my own legal responses. My settlement offer was accepted ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). The lender then called the debt attorney to notify them that my settlement offer had been accepted. ( Please see Exhibit XXXX where the email states that Navient would reach out to the attorney notifying them of acceptance of the offer. ) I was called by Navients attorney/representative ( XXXX XXXX XXXX XX/XX/XXXX at XXXX ). I missed the call. Called back and got the run around like I was running the XXXX m run at the Olympics. 

After not being able to get the lenders attorney to call back to settle, my attorney, XXXX XXXX, contacted Navient/SLM/Sallie Maes attorney for the update as to when the settlement paperwork would be sent so the payment could be made and the cases closed. Navients attorney told my attorney that we had to prove that their client accepted the offer. ( Please see Exhibit 3 where Attorney XXXX XXXX sent proof of acceptance of the settlement offer to NAVIENTs attorneys by XXXX XXXX, XXXX @ XXXX. ) After 5 days of no response, I and my attorney XXXX XXXX reached out by phone and email to Navients attorney ( Please see exhibit XXXX XX/XX/XXXX @ XXXX ). After multiple phone attempts and finally an email by my attorney XXXX ( See exhibit XXXX XX/XX/XXXX @ XXXX ), XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) saying he was awaiting confirmation and clarification from their client concerning the resolution. Remind you, Navient contacted the law firm on XX/XX/XXXX and told them the offer was accepted. 

Fast forward to XX/XX/XXXX ( See Exhibit XXXX -email XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Navients attorney XXXX XXXX XXXX sends an email to my attorney, XXXX XXXX XXXX and says that the client are not accepting the {$20000.00} and want {$39000.00}. They had agreed to the {$20000.00}. They waited until after the garnishments ran dry because my contract ended. XXXX XXXX XXXX XXXX XXXX told XXXX XXXX this when the initial settlement offer was made to them through my attorney XXXX XXXX ( See Exhibit XXXX ). I found out about the garnishment when I got my paycheck and it was short. I definitely would have tried to settle & seek representation if I was aware of a wage garnishment before it happening. ( See Exhibit XXXX & XXXX when I emailed my HR Dept inquiring about my income. ) The garnishment notice was sent to the company. ( See Exhibit 9 ) Now understand, this is not a case where I came or are coming empty handed. I have went through bankruptcy and had it discharged. Survived XXXX XXXX XXXX XXXX, where the XXXXXXXX XXXXXXXX XXXX XXXX XXXX. I have survived a host of XXXX XXXX XXXXXXXX. Worked hard & diligent on trying to pay off everything & everybody I owed. I live frugally so I never have to file bankruptcy again. I finally got XXXX  XXXX  after a long time. XXXX ended. I made a settlement offer with NAVIENT. I had it accepted, then had it reneged upon. Then more court papers ( XXXX sent to my attorney XX/XX/XXXX ). THIS IS NOT RIGHT. 

Typically, when one goes through a bankruptcy discharge, this allows a person to move on and start afresh financially. Instead, I have been sued up the wazooie, & continued to be affected financially ( 8 years after insolvency ).

I am asking for your assistance to quell this matter. XXXX XXXX XXXX XXXX XXXX XXXX  ( I was underemployed. But it became rewarding work. ) from XXXX. During that time, I helped XXXX clients either obtain a modification to keep and stay in their home or transition respectfully. The thing about that process was there was an end. There has been no end to this process. I am asking for your help to settle this. This private student loan issue is akin to the Foreclosure XXXX XXXX that started in XXXX. It took up motion during the XXXX  XXXX. Started a fast walk/run pace during the Trump administration and is continually taking wings to soar on during the Biden administration . This is not going away. 

I ask your help because I have gone through this and had some assistance through my attorney. How many people is this happening to where NAVIENT is accepting, reneging, and continuing this unending vicious cycle? I know Im not the only one. I ask for your help. Im sure with your help and the help of our elected and appointed leaders, on the local, state and federal levels, XXXX can come. If XXXX can file bankruptcy on, by some accounts over {$3.00} XXXX dollars and walk away paying nothing, why cant I be allowed for my settlement offer be accepted and free to move on? Im not asking for a {$0.00} effort. Im asking for help in working with them to accept what they agreed to in writing, release me from all liens, and move forward. 

Warm regards,