Consumer complaint received 2021-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

I have been having issues with Navient ( Federal Student Loan Servicer ). Navient sent me a letter stating that my student loans didn't have to be repaid when I thought that I was supposed to be out of the grace period. I never received any information from the loan servicer regarding when I was to start my repayments or what options I would have to repay my loans. I did not find out that I had 42 late payment entries until later on when happened to decide to go back to school. I was informed that my student loans were in default and I was told to go on a forbearance to bring my account current. I also asked them if there was anyway due to in miscommunication on their part to remove the derogatory marks from my credit report. They told me I had to send in a letter. I sent in a letter and they said that it was going to be 30 days before I get a response. I also asked them if there was anyway to get my loans. I was still debating on going back to school and on a separate occasion, I asked them if there was anything that I could do to stay current since I was unemployed and didn't have a job. They finally told me about the repayment plan where I wouldn't have to pay anything as long as I didn't have any income. I asked that person how long that had been around for and he said for a couple of years. Navient did not send me any notification stating that payments were to began getting paid as they claimed that they did in 2017. I never did receive a response from the Navient regarding the letter that I sent. This issue has been a huge problem since 2017 and I have not had a problem since then. It took me a while to educate myself on this since Navient failed to disclose this information in an attempt to keep from being exposed to additional issues that they were facing similar to mine. I have again asked that they remove the derogatory marks from my Credit Report and they refuse as they say that they reported correctly. I don't believe they report correctly and if that was the case, they should report being late after 30 days instead of 90 days in which they claimed to have contacted me when I received no such correspondence. If they go to the extent of waiting 90 days before reporting things on people 's reports, then they should have sent me a certified letter, in which I received no such letter advising me of my delinquency and failure to contact would result each and ever separate loan being reported as past due, which has practically killed my credit report. Navient failed to advise me of the correct payment beginning date and the ending of any and all deferments for any reason, failed to accurately report correct information to the credit bureaus, failed to advise me on repayment plans available to me while I was unemployed so that I didn't have to be put in forbearance and risk the same problem again. Navient has also failed to remove the derogatory remarks due to their failure off of my credit report. This is not the first issue with Navient and they just had to settle lawsuits on the same types of behaviors. Navient has chosen to ignore me until I brought my complaint to the U.S. Department of Education. The compliant process was supposed to go to a third party ombudsman, who was supposed to be neutral, but instead was sent to an individual that worked for Navient. There was nothing unbiased on that process and they took the same position as the Loan Servicer. I would like this complaint to be investigated and if Navient fails to do the right thing, I will unfortunately have to file a lawsuit against Navient for the same allegations as it was sued for previously for their practices while servicing my loan. This behavior is unacceptable this started around 2016-2017 when all of this behavior was alleged in other lawsuits to have been going on, and that is to include inaccurately reporting and deceiving borrowers in order to get additional fees and for other reasons. Please see if you can resolve this issue prior to me being forced to file a suit against Navient.