Consumer complaint received 2015-11-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

I am filing a complaint against Navient for fraudulent accounting, discriminatory harassment against an individual with a documented mental XXXX, improper reporting to the credit bureaus, and mismanagement of my Department of Education loans.Navient has absorbed my Department of Education loans as well as ( XXXX ) Private Student Loans from Sallie.I attended and was enrolled at XXXX College from XXXX XXXX and graduated XX/XX/XXXX.I have been under the supervised treatment of a doctor for XXXX XXXX and XXXX throughout my period at XXXX College.At the time I was medicated with a drug which has since become the subject of a major class action lawsuit, XXXX, due to the serious cognitive side effects it has caused.I was negatively impacted by the side effects of these drugs, which included word recall issues and delayed cognitive processing.My parents oversaw the financial and logistical management of my student loans since my condition prevented me from understanding or independently signing legally binding documents.My condition has been communicated to XXXX College as well as Navient, which could be found on many recorded phone calls with Navient agents.My issues with Navient stem from XXXX College incorrectly reporting my graduation dates to the National Clearinghouse in XX/XX/XXXX.I was ineligible for graduation for class credit purposes and due to system error, was automatically reported as withdrawn XX/XX/XXXX.I was enrolled as a FULL TIME STUDENT in XXXX and eligible for a graduation date in XX/XX/XXXX.This error led to the acceleration of my student loans without a grace period. All letters were being sent to my CT address at that time, not my school address were I was still enrolled and with active attendance.I never would have or could have seen any letters from XXXX XXXX or Navient notifying me or the school of a possible enrollment error.In XXXX of XXXX I was bombarded with multiple calls from multiple agents at XXXX XXXX threatening legal action for nonpayment.At that time, I was unaware of any enrollment reporting errors and believed I was still in my grace period.I was making less than {$30000.00} at that time and recently graduated from school I was unable to meet the demands of these agents.The context of each call was regarding federal student loans, and a payment of $ 400+ by my father was made in XXXX that year with the understanding the payment would be applied toward these federal loans.XXXX incorrectly applied the loans to Private Student Loans, which at that time I had no knowledge of their existence, and defaulted in XX/XX/XXXX.I was not aware of these loans or their default until XXXX when Navient prevented me from paying my federal student loans online in XX/XX/XXXX due to " private loans being in process of litigation '' .I have addressed on multiple recorded phone calls that I require very clear and specific instruction regarding the status of my loans.I have received communication from Navient on multiple occasions regarding past due payments.I have acknowledge each time I have been on federal unemployent and during these phone calls offered deferment forms which were never sent.Their failure to fulfill these requests has led to negative credit reporting which has prevented me from finding affordable rental housing.I have attempted to work with the customer advocate at Navient this past summer to correct my enrollment dates when I first became aware of the error in XX/XX/XXXX when Navient prevented me from paying my Dept. of Ed. loans online. Despite the obvious and CLEAR reporting errors caused by XXXX College and Navient, Navient refuses to give consideration to my lack of a grace period and detract the negative reporting from XXXX which was a direc