Consumer complaint received 2024-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

I would like to file a complaint against Navient and their misconduct in not only reviewing and processing my XXXX XXXX discharge application but also in numerous misconduct they have conducted during the management of my loan repayment. 
I am requesting the following : 1 ) I would like an explicit explanation of why my application was denied and the specific factors they are referencing in this very vague and blanket response. I have not been given an opportunity to submit additional proof for any factors thought not to met nor have I been informed what factors result in denial despite a full discharge of my Federal Loans through borrowers Defense and XXXX XXXX XXXXXXXX lawsuit from the same School, loans taken out at the exact same time as those were. I am attaching my application, additional evidence, borrowers defense application for my federal loans that was later approved and my Borrowers defense approval letter for my student loans with Navient. I have an approved XXXX against XXXX XXXX XXXX  due to my schools fraudulent behavior and misconduct. I feel your private loan should be XXXX due to " XXXX XXXX '' since this has been verified not only thought the XXXX XXXX XXXX but also through the numerous lawsuits brough against their parent company XXXX ( which I provided evidence of to Navient in my School Misconduct application ) I have also been advised by the XXXX to complete the application with Navient due to being an original class member in XXXX XXXX XXXX. Navient is aware of the misconduct conducted by these schools with the Private Loans they disbursed and services yet show they are not willing to acknowledge this or their own misconduct by these blanket rejections they are handing out. In XXXX, XXXX XXXX made a similar action of blanket rejection that was ruled as the XXXX XXXX XXXX  not acting in good faith by sending out blanket denials. If this is ruled as not acting out of good faith for Federal loans for the same institution then why would Navient be able to conduct this same sham process to deny borrowers debt relief through blanket, denials regardless of the evidence presented. I am asking for a fair evaluation of my application as well as a fair discharge of these loans due to my schools founded misconduct. 

2 ) I would like to receive a copy of my Master Promissory Note and have requested this through Navient, who has yet to produce it. I have been trying to work with my private student loans since they switched from XXXX XXXX to Navient. My payments have constantly fluctuated resulting first in many pressured forbearance that only added to my debt, but also resulted for the last several years the need for rate reduction programs through Navient because my interest rates also increased and when I asked for an alternative payment plan and those XXXX  month plans expired. have attached my borrowers defense application for my federal loan discharge and hope to have both federal and private loans discharged. XXXX XXXX now Navient, which was sued by XXXX state attorneys generals for its role in facilitating these predatory loans, had a specific agreement with for-profit schools during the early XXXX, making it a " preferred lender ". Despite this, the settlement terms provided by Navient were considerably inadequate, excluding many borrowers who took loans for attendance at these for -profit schools, unless they resided in certain states or had not defaulted for at least XXXX months during a specified period. The only period during which I managed to reduce the principal amount was during the pandemic when interest rates were temporarily lowered to between 0.5 % and 1 %. However, once the regular interest rates resumed my balance skyrocketed again. This financial strain coupled with XXXX  stress and damage to personal relationships, has been overwhelming. Under the FTCs ' " XXXX XXXX '', Navient is accountable for these predatory loans issued in association with for-profit schools. As time is critical, XXXX XXXX XXXX, has urged Navient 's CEO to immediately discharge these loans. It is crucial for Navient to take responsible action now by discharging all such predatory private loans associated with for-profit institutions. 
3 ) XXXX I had a XXXX XXXX XXXX that these loans were not discharged in due to Navients assertion that such loans were not dischargeable. In XXXX, a New York Court of Appeals ruled that private loans are not protected from discharge in bankruptcy. 
Private student loans can be tossed in bankruptcy, appeals court rules | XXXX The exact statement on here is what I experienced with Navient, told me they were not dischargeable and that I would need to continue paying. Whats really egregious about this is Navient has been telling people for years that their loans are non-dischargeable, when in fact they are dischargeable, he said. Ive repeatedly been told that there is no relief, discharge or remedy from these loans other than XXXX and death. Repeatedly I have been told that approved federal borrowers defense of school misconduct does not apply to these loans. And even when a potential remedy was offered ( School misconduct application ) I was again denied with no specific rationale for the denial.