Consumer complaint received 07/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I requested a co-signer release from Navient on a XXXX year old student loan and they claim I still do n't qualify. My cosigner is in poor health and needs to be released. If you look at their pre-qualifying requirements. I XXXX have had a stable job making over {$90000.00}, I have XXXX completed all of my programs. I am not in default, I am not a payment plan with them, more than half of my credit cards had XXXX balances at the time they pull my report and my federal loan are in the process of being consolidating which do not impact this loan in anyway. I have not missed any payments of this loan either.I meet all of the qualifications. They claim that after XXXX years and paying the loan for the last XXXX on time that I do not qualify. They first stated in a letter I received in XX/XX/XXXX that my income was insufficient,. I told to submit more documentation regarding my income and when I did that they came up within even excuses. They claimed to have a dispute committee but it never made it to this supposed committee which does not exist. hen after I demonstrated that the my income XXXX {$100000.00} year annually XXXX was more than sufficient then they stated XXXX other things in my credit report that were not accurately. I called to speak to a representative who was not polite and who claimed my large federal loan which has nothing to do with this loan was too big and I needed to pay that one down significantly first before they would consider releasing my cosigner. They continue to make it every excuse to keep my cosigner tied to this loan. They have now issued a letter detailing what they claim was in my credit report to my cosigner with out my permission and violated my rights and confidentiality as again they are trying to make the case that I do n't qualify even though they state that credit is not entirely of their decision and again I meet all of their other criteria. Some of their reps have any made statements that they would go after my co-signer 's estate. The claim about going after her estate was made in a phone in XX/XX/XXXX and was stated in several calls over the last 2 years while getting trying to get her released. They even claim in a letter that I did not make XXXX consecutive payments and have made the payments. They refused to take me out of their deferment when I asked them not to defer my account and refused to give me a regular payment amount. They kept making the claim that my account was paid up. Their practices are illegal and unethical and they need to release my XXXX year old cosigner from this debt that she will never have the ability to pay. They violated confidentiality as they had no right to disclose to my cosigner anything that the claim was in my credit report as I requested the co-signer release and I filed the better business report. This continues to mislead the cosigner, her family and creates more conflict on trying to get her released.

Company response to consumer: Closed with explanation