Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

On several occasions I have contacted Navient in regards to student loans that are on my credit report and the NSLDS that I did not have. On XXXX/XXXX/XXXX I contacted Navient about the loans and they could not tell me any information on the student loans. It shows that 2 Consolidations were done in XXXX, That I did not submit for. On XXXX/XXXX/XXXX I contacted XXXX XXXX XXXX XXXX who printed out the information from the NSLDS website and showed me where the information they had was incorrect. It shows inaccurate amounts. I only consolidated one time and that was in XXXX through the XXXX XXXX XXXX consolidation program. I never consolidated any other time. After reaching out to Navient on several occasions and received no help from them. On XXXX/XXXX/XXXX I contacted the XXXX XXXX XXXX program and was transferred to speak with a rep from the US Department of Education. I explained the issue that I was having with my loan amounts being different then what I actually owed. I only owe about {$19000.00} no more than {$25000.00} and that is including interest. According to the NSLDS, It shows that I owe over {$70000.00} in student loans and I do not. When speaking with the US Department of Education I was given 2 case numbers ( XXXX and case number XXXX ). I was told by the rep with the Department of Education to contact the US Department of Education - Onbudsman department and the Onbudsman department of Navient. I contacted the US Department of Education Onbudsman on XXXX/XXXX/XXXX and spoke with a representative named XXXX, who advised me to contact Federal Student Aid Feedback Center and the Consumer Finance Protection Bureau before they could step in and help me. I did file a  complaint with him and was given case number XXXX. On XXXX/XXXX/XXXX I also contacted the Federal Student Aid Feedback Center and spoke with a Representative named XXXX and filed a complaint and asked to file a grievance against Navient. I was given case number XXXX. On XXXX/XXXX/XXXX I contacted CFPB and spoke to a rep named XXXX who explained what I needed to do and how to go about filing a complaint. On XXXX/XXXX/XXXX, I contacted Navient and spoke with an account advocate working on my case and his name was XXXX. I explained to XXXX that I needed to get the issue with my student loans resolved because I am trying to pay back the loans I actually had. While talking with XXXX he expressed that he was sending out a letter to me that states I consolidated back in XXXX. I proceeded to explain to him that I did not consolidate in XXXX and he started arguing with me and telling me I did. He stated that he had an electronic signature showing I consolidated and that I have a promissory note on file. I explain that, that information was incorrect. In XXXX I took out a parent plus loan for my daughter to attend XXXX XXXX XXXX XXXX for the amount of {$1700.00}. If any promissory note was on file it was for that plus loan. I asked him to send me the information he had because he kept arguing I signed for a consolidation. I asked him the same question I have asked a lot of Navient Reps in the past ... '' What loans did that Consolidation consist of? '' No one can tell me. No one can break those loans down. My loans keep doubling and I 'm not even in school currently. I ca n't even finish school due to the inaccurate information that is being reported. I did ask XXXX to send me the information he had so I can present it an Attorney, I have not received any of the information. For a long time now I have been telling Navient that something very illegal and fraudulent has been going on, on my account and nothing has been done about it. I 'm not sure if there 's a Class Action Lawsuit against Navient that I can be a part of but if there is, I want to be apart of it. On XXXX/XXXX/XXXX, when I was also speaking with XXXX from Navient, and explaining the amount of the loans were incorrect, I asked is there anyway I can also get help with the payment amount that Navient wants me to pay back. I was told if I set up any payment arrangement I would be omitting to the fact that I owe the amount of the loans being questioned and that nothing can be done about that. That puts me in a bind because I do n't owe the money I am being accused of borrowing and at the same time I can not afford my loans to go into default. I need help!!! I am not getting any where with Navient and I am not getting the help I need. And to give you an example of the issue I am having .... According to the NSLDS website, it shows that {$9500.00} was borrowed in student loans, But I have proof from the XXXX XXXX XXXX that {$9500.00} is what I was certified for the year for but on XXXX XXXX, XXXX, {$4700.00} of that certified loan was sent to the school. On XXXX XXXX I withdrew from XXXX XXXXXXXX XXXX and {$2400.00} was sent back to the lender on XXXX XXXX. Which left a balance of {$2200.00} that was kept and used for my education. According to the NSLDS website, it shows I owe {$9500.00} and I do not. Plus due to withdrawing from the school the remaining {$4700.00} that was to be used later in the year or for the next semester was cancelled. Therefore I do not owe the amount that is being said I owe. This is an example of what I mean when I say I am being held accountable for money I did not receive. I really would like for this issue to be resolved. I am highly concerned that a consolidation and a refinance was done with out my permission and I never agreed or signed for it. But it is showing on my credit report. Not to mention, I did n't think Government loans could be refinanced. Please help me. Navient is committing FRAUD and I need help with getting my account corrected.