Consumer complaint received 2024-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I went to a for profit school, the XXXX XXXX XXXX XXXX XXXX and had private student loans from Navient. I have a Borrowers Defense claim pending. I have never been able to use my college degree or get a job in my field of study, XXXX XXXX. I struggled for years to make payments even when I lost my job in XXXX. 

Recently lawsuits like XXXX XXXX  XXXX outline the grossly negligent and rapid fraud the XXXX XXXX engaged in during their recruitment process for new students including falsifying graduation statistics, and President Biden announcing over {$6.00} XXXX in student loan discharged for thousands of students who went to the XXXX XXXX during the same time frame I attended the school based on all the fraud the XXXX XXXX engaged in. 
My FFELP loans were discharged related to the school, misconduct claim. 

I tried to work out a lump sum payment with Navient and they would not agree to a reasonable agreement that included correcting my credit report and my elderly fathers credit report and drafting a sign agreement. I have also had some health issues that have financially drained me. 

Eventually, Navient sent me an application for discharge related to school misconduct. In return I completed their 12-page application for student loan discharge and also attached over 300 pages of exhibits including my resume showing I have never been able to get a job as a XXXX XXXX, XXXX XXXX, or XXXX XXXX. I also submitted evidence showing the XXXX XXXX touted their credits where transferable on their website, which they were not and I submitted my college transcript from XXXX XXXX University showing none of the credits transferred when I went back to school in XXXX. I also provided case law evidence in how the XXXX XXXX systematically frauded hundreds of thousands of students in receiving useless degrees. I also submitted evidence on how Navient has been sued by dozens of state attorney generals regarding their fraudulent business and unethical loan practices. 

Navient responded to my application for discharge with a generic one page letter that said Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct at your school. 

Their statement is not specific. I want to know explicitly why my application was denied and when I spoke to a Navient representative they could not tell me. 

I recently received my payment history on my two private loans from Navient. I had requested a certified payment history which they denied to provide me. One loan the original principal was a little over {$6000.00} and I have made over {$11000.00} in payments on that loan. The other loan the principal was around {$7000.00} and I have made over {$10000.00} in payments. 

Immediately after denying my application Navient sent me and my elderly father, my co-signer regarding a notice of their intent to litigate and take us to court. 

Navient needs to provide an explicit response on why my application was denied. 
I am again asking Navient to discharge my private loans as related to the XXXX XXXX XXXX XXXX XXXX fraud.