Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

In XXXX, while my son ( XXXX ) was XXXX to XXXX, my wife and I co-signed student loans for his spouse, XXXX, the initial total amount was {$19000.00}. XXXX and XXXX later divorced in XXXX. 
In early XXXX, due to my wife 's failing health, we attempted to refinance our home. However, our loan was denied because as co-signers for XXXX 's loan, we had too much outstanding debt. 
Up until this point we were under the impression XXXX was making payments and assumed the debt was either paid off or greatly reduced. Navient did not make contact with us, as the cosigners, to inform of us otherwise. We had no idea she had been granted deferments or had not been making regular payments to reduce the principle. At no time were we, as the co-signers, contacted by Navient to be made aware she was requesting deferments elongating the duration we would be responsible for the loan. 
I contacted Navient in XXXX XXXX, which then erupted in an onslaught of correspondence which previously had been lacking and frankly, had it been Navients practices from the beginning, I would not be in the situation in which I find myself. Unlike the primary borrower, my contact information has never changed and any correspondence would have been promptly answered. 
At no time, as the co-signers, were we ever notified, consulted, or conferred with when she deferred the loan. Prior to XXXX XXXX XXXX, we had never received any late payment or missed payment notifications or any communication which stated the loan itself had been deferred. As I stated, we were under the impression, XXXX was making payments and the loan was either paid off or close to being paid off as almost 10 years had passed since the origination of the loan. 
XXXX XXXX XXXX, I received correspondence from Navient informing me XXXX had been granted forbearance for a period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. 
XXXX XXXX XXXX, I received correspondence informing me payment arrangements for the loans had changed, with a list of XXXX possible reasons. 
XXXX XXXX XXXX, I received correspondence informing me XXXX of XXXX possible events occurred on the loans necessitating correspondence. 
XXXX XXXX XXXX, I received documents I had requested regarding the loans. It was also around this time ( exact unknown ), I requested and was granted online access to the loan accounts, from which I can see payment, deferments, and forbearance. Again, I stress, information I was not made aware of prior to XXXX XXXX. 
XXXX XXXX XXXX, I received correspondence detailing annual information for cosigners. Another document I had not received prior to this date. 
XXXX XXXX XXXX, again received correspondence informing me payment arrangements for the loans had changed, with a list of XXXX possible reasons. 
I find it unacceptable that correspondence between Navient and I, only occurred after I contacted Navient and XXXX had been granted repeated deferments and forbearance without my knowledge or approval. As a cosigner, what are my rights? No updates, no correspondence to inform co-signers that she could be reevaluated based on her credit or that after making payments for a 24-month period, she could release cosigners. 
The dynamics of the relationship between us changed once she and my son divorced and she cut communication. I have been unable to contact XXXX ; attempts to call her last known phone number, use her last known email address, and mail certified correspondence to her last known physical address have gone unanswered, returned ; all have been unsuccessful. 
As a creditor, Navient can easily review her current credit report and will find, based on her current employment and current credit, XXXX can assume full responsibility for these loans and release the cosigners. 
Student Loan Account : Primary Borrower : XXXX XXXX XXXX, DOB XXXX XXXX XXXX Loan # XXXX Loan # XXXX Account # XXXX Cosigner : XXXX