Consumer complaint received 03-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XX/XX/XXXX, I attended a school called XXXX XXXX XXXX School of Idaho. I was XXXX years old. When I looked into enrolling they told me the school was about to be picked up federally for loan services. The school took my name, all my information and in two weeks said " sign this loan to attend '' no one reviewed or explained that even with my father as a cosigner our credit rating they gave us combined was poor. At the time he was over XXXX and I was over XXXX. Cosigned through XXXX XXXX was a XXXX or something like that. At XXXX who knows that, plus I was a state away from my parents who could not come into the office of the school to review the loan either. Basically finished course, could not get work because I was too young and no one recognized my school. Few years later learned the school did get picked up by a federal collage and they some how " lost my records ''. I have been paying on a loan that basically got me no work or possible work in the future. At the time XXXX XXXX told me tough luck and basically unless I had an attorney they would not assist me further because all the cared about was me paying my monthly bill, which was over 13 %. Once the full amount of loan was going, I could not afford it due to no job from my school training. Thought I did a deferment, ended up Forbarance. Few years later I still could not get an attorney to help me, I drove back to Idaho where the school was and confronted the president. He refused to help me short of basically re enrolling me through the program. Stated they some how lost three years of records from the last teaching staff when they left. 

I then was too busy with my XXXX and soon deploying to even have a chance to keep chasing attorneys. Navient had taken over my loan before XXXX, I had to spend three months and sending them my XXXX paperwork to get the 6 % loan rate while over seas. They kept telling me " it 's a private loan, you d not qualify foe any assistance '', in the end 6 % APR. While over seas my {$300.00} plus monthly payment would still only have {$95.00} dollars going to the actual loan on some monthly payments. When I called Navient they told me I have a variable APR, so the loan is at 6 % but yet we they hit me for a $ XXXX- {$310.00} in interest in one month, when the monthly payment was $ XXXX- {$350.00}. 

When I got back in XX/XX/XXXX, the school has mysteriously been closed. I called Navient and explained the whole situation and how due to statutes of limitation I was running out of time to get an attorney to help me with the school. All I was asking at the time was to have the paperwork sent to me to remove my Cosigner since I have not missed a single payment or late in the last 5 years. They were more then glad to assist, but yet no paperwork. When I called them they reassured me they were going to send the papers and do everything they can to help me. Months go by, nothing. Called again and the advisor on the phone got very rude, kept interrupting me, telling me I was the one who signed this loan and it was my problem. I asked if the call was being recorded for records and they did n't want to answer the question. In end, basically asked them do I need an attorney to just get me cosigner released, they interrupted me again and said the same thing every time I have ever called, " it is a private loan, you do not qualify for any help, assistance, or legal help ''. 

At this point I am in a different career of work, wanting to buy a home ect, but I can not get away from this company changing my APR monthly and payments are going up every couple of months now. I still have not received the Cosigner release, and last few conversations with them ended with no help, and they will not even let me speak to there fraud department. I get rerouted every time and spend an hour arguing with someone telling me, " Private loan, we do n't care just pay the bills ''.

Company response to consumer: Closed with explanation