Consumer complaint received 2022-01-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Here is a brief history about my student loan. 

I was admitted to XXXX University 's XXXX school to pursue an XXXX XXXX in XX/XX/XXXX. At that time, I had a well-paying job, and my employer ( XXXX XXXX ) promised to pay part of my tuition based on my employment. When I was graduating in XX/XX/XXXX, first, I lost my job, and then due to the financial crisis of XXXX, it took me more than 18 months to find a job. During this time, Navient continued to accrue interest while putting me on extended forbearance. I had two loans with Navient, and family friends cosigned both loans. One of my cosigners filed for bankruptcy protection in XXXX. My second loan was paid off by my cosigner in XXXX. 

Since XXXX, I have been in and out of jobs, and Navient continues to accrue interest on my student loan without offering me any other solutions, things as ; Income-Driven Repayments ( IDR ) and Unemployment Deferment. Not only have I been harassed by your company 's predatory practices, but also my loan has ballooned to $ XXXX. 

I lost my job due to COVID-19 in XX/XX/XXXX and unable to find anything since then. I started XXXX for XXXX and XXXX and making about {$2000.00} a month. I filed for the Supplemental Nutrition Assistance Program with the State of Texas and currently receive $ XXXX. 

Additionally, my cosigner had consistently been harassed by having more than six robocalls phone calls as early as XXXX XXXX and as late as XXXX XXXX, and he has received 26 emails about my loan forbearance since XX/XX/XXXX. 
My cosigner and I have recently ( Friday, XX/XX/XXXX ) spoke to one of the case managers ( XXXX XXXX XXXX XXXX and were told that we would receive all the details about the status. However, my consigner and I have not received anything from XXXX XXXX as she promised. This is consistent with all the deceptive practices and repeated lies Navient has used against me. Whenever I was in financial difficulty, and I reached out for some relief, the Navient staff, rather than offering me some genuine relief ( like IDR or other means ) they forcefully pushed me in accepting their standard predatory forbearance action ways for an extended period for the original loan amount ballooned to 150 %. 

My last forbearance expired XX/XX/XXXX. Since then, Navient office has brutally harassed my consigner and me via robocalls. My consigner 's harassment reached the point that Navient office located his XXXX  mother ( XXXX years old ) who resides in Texas and demanded that she make a payment in the amount of {$1200.00}. This predatory practice is not just immoral but criminal. As you may know, there has been a case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX. XXXX XX/XX/XXXX ), in Navient was ordered to compensate {$500.00} per robocall in this case. 

On XX/XX/XXXX, Navient reported the consigner and me to the credit bureau. This action has resulted in my and the cosigner 's credit score docking at least XXXX points. Furthermore, during our discussion with XXXX XXXX, she clearly stated that my account would be given to the collection agency likewise harm me and my cosigner. This docking my credit score has denied me a job offer at XXXX XXXX bank near me. 

My student loan originated in XXXX XXXX, California, and Navient Corporation has recently settled a lawsuit with 39 States, including California. XXXX XXXX, I do not wish anybody to go through what I have been going through right now in particular and for the last few years in general. 

I am asking for some human and financial relief from Navient immediately. If you don't respond to my needs, then you will force me, and my cosigner leave no choice but to seek relief under the lawsuit settlement passed against you and your company by 39 States Attorney Generals. 

I would like to humbly request your office to please provide some permanent relief as at the age of XXXX, I am starting to lose faith in the job market, and with current economic conditions, it will be tough for me a find suitable employment in a very near future. Also, I need to release my consigner from my loan. 

As a first, I wanted to make sure that this is not going to send to a collection agency along with credit reporting agencies. 

I look forward to hearing from your office. Please do not hesitate to contact me with any questions you may have in the meantime.