Consumer complaint received 2024-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

XX/XX/XXXX via phone call I requested a form for School misconduct claim application that they have started to process and approved discharge. 
They have been sending them to certian students that attended The XXXX XXXXXXXX XXXX XXXX , The Art Institutes and their Parent company, XXXX. 

The rep did not know anything about my inquiry of the form. 
the representative was not aware and after minutes on hold counseling with management they said they would put a tag on my account and send it to the bank to see if I qualify and if I did they would send an appliocation.They sent me a letter dated XX/XX/XXXX, stating that they would review and see if I even approve for an application. Even do based on the following I know I approve for application and discharge of my loans and refund. 


XXXX  of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX As a matter of fact, ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and their Parent company, XXXX ) was investigated by attorneys general of several states and have been found to have acted in fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and their Parent company, XXXX ), I was able to file a Borrower Defense claim with the Dept. of Education against ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and my Fed. loans of ( XXXX ) were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXXt Vs. XXXX settlement for which I was a full class member. 
Also because of the numerous claims of fraud and misconduct perpetrated by XXXX  XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
And also was sent a post from Attorney General that on XXXX XXXX there was a multistate settlement with Navient to resolve allegations of unfair and deceptive loan servicing practices, including steering federal loan borrowers into forbearances instead of counseling them about income-driven repayment ( IDR ) which I was a victim of, They also dismissed all the loans off many of my peers who to the same school who defaulted on their loans for same degree as mine and in the same time frame of XXXX to XXXX and had their loans dismissed in XXXX. These loans should be discharged and refunded and I should have been included. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for XXXX months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the XXXX settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
As I mentioned I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. I think based on all this information there is no doubt I qualify and This application which is also a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!