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. (VA)

Navient, sent a School Misconduct Discharge application, and I submitted this. On, XX/XX/XXXX they denied my application. My Application was against XXXX  XXXX XXXX, a school with a well documented history of Misconduct and abuse. In fact, I submitted over XXXX pages of evidence of misconduct. Including evidence of court cases, XXXX XXXX, and direct proof of misconduct. My claim was involving deceptive marketing, advertisement, and high pressured recruiting, where the recruiters are trained to use deceptive tactics. 

I'm a member of XXXX  XXXX XXXX, where the DOE XXXX my Federal Loans for a Borrowers Defense case. 

Thousands 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 XXXX As a matter of fact, XXXX XXXX XXXXXXXX was investigated by Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXXXXXX XXXX I was able to file a Borrower Defense claim with the Dept. of XXXX XXXX University XXXX XXXX, and my Fed. loans of XXXX were XXXX and my credit repaired. 

My XXXX XXXX XXXX was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX/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 AG 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? 
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. This application is 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.