Consumer complaint received 2024-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IN)

I have approximately $ XXXX in student loans from University XXXX XXXX which are part of the Borrower Defense ( XXXX XXXX XXXX ) lawsuit which should be forgiven as part of the full class. This was filed in XXXX and approved. I received notice in XX/XX/XXXX that the loans would be forgiven. 

I was in the middle of a bankruptcy at the time of the action. 
Please note that the following documents referenced were sent via email to me or the lender website : XXXX  : I applied for a consolidation loan to combine 4 loans into 2. 

XXXX-Approval was received in XXXX and all loans were consolidated via XXXX. that my two loans had a payment due of {$280.00} in XXXX. 

XX/XX/XXXX - Monthly statement and a payment schedule was received for the full amount of principal due {$110000.00} for a total of two loans. One consolidated for Subsidized, and one consolidated for unsubsidized. THIS WAS EXPECTED and I have no problems. 

From XX/XX/XXXX through XXXX - everything was as expected with no issues with monthly statements, account balances and payment terms being emailed several times. 
In XXXX, I did send an email to XXXX asking about the discharges and they told me to reach out to Federal Student Aid - I sent an email to the Ombudsman for this information. 

On XX/XX/XXXX - I received an updated payment schedule from XXXX showing a principal {$62000.00}. There was no reason why the amount changed to verify this was related to the anticipated Borrower Defense discharge and the XXXX website only showed " refund ''. The customer service agent could not provide me any additional information. At this time the student aid website still showed the $ XXXX loans. 

XX/XX/XXXX I requested a complete payment history from XXXX because I wanted to find out what the history of the loans was to see how many payments towards my maximum lifetime payments of 25 years was. I received a response telling me to export from transaction history ( which did not provide the information I wanted, which is why I reached out to them originally ). 

XX/XX/XXXX - received monthly statement with updated payment of {$380.00}. Because my payment was now based of $ XXXX, this was also expected due to Borrower Defense. 

Here is where my problem starts coming in. 

On XX/XX/XXXX. I received a notice from Navient that a forbearance document was available for me advising my payments would resume on XX/XX/XXXX, XXXX Since my two loans are serviced through XXXX, this is very confusing. There are two loans referenced in the email with unpaid principal of {$54000.00}. This is the amount that should have been related to the Borrower Defense and were actually INCLUDED for the past several months in the XXXX student loans. I also received a noticed that because the bankruptcy was concluded that the loans are due and Navient is servicing them. 
WHY ARE THEY NO LONGER CONSOLIDATED? Why are they split? These are all related to disbursement dated from XXXX, which is related to University XXXX XXXX, which is related to Borrower Defense. These should either be completely discharged or they should be in the consolidation loan. Additionally. They are telling me my payments are {$540.00}. Between this and what the loans are stating from XXXX, I absolutely can not afford this payment amount. 


There is no explanation and when I call the providers they have no information to provide me other than " I don't know, we'll get back to you ''. This is terribly frustrating and financially scary.