Consumer complaint received 2016-05-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I am filing a complaint against Navient for XXXX of my XXXX private loans that are now being serviced by them. They have altered my accounts illegally so that they could take me out of my in-school deferment and place me in a position in which I needed to start repayments. By doing this they have committed fraud and breached each of the XXXX promissory notes. I had tried to dispute this with them but they refused to acknowledge my attempts at verbal disputes made through their customer representatives and emails via their site. They were also calling XXXX5 times a day. When I disputed their reports to the credit bureaus, these calls went up to XXXX7 times a day. When I informed Navient that was harassment according to the FTC and New York State, Navient stated that they did not have to comply with FTC rules and regulations. 

I then submitted a formal letter via USPS stating the disputed issue was that they, Navient, had altered my accounts in an attempt to commit fraud and they should return my accounts to their original state. I also submitted to them the paperwork I had from XXXX XXXX confirming my loans original statuses and that Navient had altered the accounts. Navient refused. Navient did n't even report to the credit bureaus that there was a dispute of these loans until months later. 

Navient indicated that they had every right to alter my accounts, even though XXXX XXXX had given me an administrative forbearance, which has no time limit, when I returned for XXXX from XXXX to XXXX rather than the requested in-school deferment. I might add that this was confirmed by me via a phone conversation with an account representative when I left XXXX in XXXX. XXXX XXXX acknowledged those loans were in forbearance during the time from XXXX to XXXX and that it would not effect my 48 months of in-school deferment if I should choose to return to school at a later date. But Navient went as far as to state to me that the original letters from XXXX XXXX, saying those loans were in forbearance, " did n't mean what they said '' and that Navient had changed the accounts for that time period to an in-school deferment status despite the agreement between me and XXXX XXXX because it was an " error ''. Please note that according to both XXXX XXXX and Navient forbearances and in-school deferments are not interchangeable. Also there is a clause in the promissory notes that address error issues called the Correction of Error clause and by altering any documents regarding my loans is a breach of that clause and the promissory note, as stated in the promissory note. 

Navient 's consumer advocate later told me that the reason I was placed in repayment was that I had previously used the in-school deferment time before XXXX. I confirmed with her that she was stating that in-school deferments are started after the loan is issued and before XXXX, which is in complete contradiction to the promissory notes of all my loans and in complete contradiction of their own records. 
Navient also contacted third parties about these loans and even referred to themselves as " XXXX XXXX ''. They even threatened my cosigner of XXXX of the XXXX loans until she started paying them and attempted to discuss my other loans with her even though she had no connection to them. They even threatened me stating they would report the other loans the cosigner was not connected to, to her credit bureaus even though they had no legal right. 

Navient has sent XXXX loans to the collection agent, XXXX XXXX XXXX XXXX XXXX for collection. Navient has blatantly disregard FTC, FDIC and New York State rules and conducted unethical and potentially illegal practices in an attempt to commit fraud.