Consumer complaint received 2018-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Complaint:
I

received a letter from a company called XXXX XXXX on or around XX/XX/XXXX informing me that I was in collections for {$9200.00} by the XXXX XXXX XXXX XXXX. This was very confusing and devastating to me because I was already paying close to $ 700/month in student loans to four different providers ( XXXX, XXXX, XXXX XXXX, and XXXX  at the time ) because my original loans were split multiple times since graduating from XXXX XXXX   University in XX/XX/XXXX.

I then called XXXX with my mother ( who I gave permission to speak on my behalf ), and the agent, XXXX, was extremely rude and unhelpful ( in fact gave us two different inaccurate/false phone numbers to " call someone else '' ). First he couldnt even tell us where he was located or what the company was about, but then he went on to say that apparently the amount was for two loans that had been dispersed from XXXX, which they then apparently sent to XXXX XXXX ( who Ive never heard of ). I called XXXX and they had no idea what I was talking about, that they have no affiliations with this XXXX company, and finally that my regular known account was up to date and in good standing.

I then called the XXXX XXXX XXXX XXXX onXX/XX/XXXX, waited on hold for 20+ minutes to have an extremely rude agent ( I believe his name was XXXX ), who then told me my problem was with XXXX XXXX instead, and that I needed to call them to work it out. When I told him I dont have any loans with XXXX XXXX, he continued to tell me well ... whoops, you fell through the cracks, and there was nothing he could do about it. I asked to speak to a supervisor, was abruptly put on hold without warning, and waited for 10+ minutes until a woman name XXXX came on the phone. She proceeded to tell me that I needed to call XXXX XXXX, that there was nothing she could do about it either, and that it was my responsibility to take care of it not hers. In addition that it was not her problem, and that I needed to deal with it.

I then called immediately called XXXX XXXX   and spoke to XXXX, who informed me that he does not have any loan information pertaining to me AT ALL, and that I needed to call US Dept. of Ed. back and explain that they are mistaken and need to assist me. So I called them back and waited for nearly a half hour on hold waiting for a representative, however I was forced to abandon the call because of work. I filed a complaint back then with the FTC explaining the same situation and got the same dead end, 'ca n't help you - figure it out and pay '.

It is now 6 years later, I currently pay OVER $ 800/MONTH in student loans total to four providers XXXX XXXX  ( was XXXX ), XXXX, XXXX XXXX, and XXXX  ... and I have yet to this day gotten any further with this issue [ side note, that $ 800+ goes up monthly thanks to XXXX  and XXXX XXXX XXXX unlawful interest increase practices ]. To this day no one has been able to provide me with any new information or proof of where my loan went, and the XXXX XXXX XXXX XXXX has simply been stealing my tax returns ( $ 1000-2000 each time ) for the past several years!!

Up until recently I figured this was just my unfortunate luck and was screwed, until I heard news of the Navient lawsuit submitted by the CFPB, and found out the Navient use to be a faction of XXXX XXXX but broke off from them .... taking all their records with them. My only guess is that Navient ( NOT XXXX XXXX directly, as the XXXX   reported originally ), is responsible for this " lost loan '' and any records there of it. I plan on keeping a very close eye on this lawsuit, and WILL fill out whatever I need to in order to be included and get what is owed to me.

Company response to consumer: Closed with explanation