Consumer complaint received 10-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: To CFPD, This is the first of a series of complaints involving XXXX XXXX - A.K.A. XXXX. I had previously contacted the CFPD on XXXX XXXX, XXXX and stated that I would submit a complaint at that time. However, it has taken me years to painstakingly go through my records and notes to make sense of what has actually happened to me. Now, I had called many organizations for help, and one such organization that helps with credit told me that he couldnt help me regarding XXXX XXXX. He stated that XXXX XXXX has a force field around them and that the government protects them, including this very organization. If this is true, then I respectfully request that the CFPD make an exception with me and practice actual, true, due diligence in handling my complaints. 

Complaint 1 : University Solicitation In XXXX, before classes had started, I had several conversations with XXXX financial representatives at the Finance Tower. While going through financial aid options, I was given a handout with a listing of private student loan servicers, see XXXX Alternate List PDF attached. The XXXX financial representative understood I didnt have much time and recommended that I either try XXXX XXXX or XXXX XXXX as they were the fastest and both could do everything over the phone. I accepted this recommendation and called XXXX XXXX first. I was denied and then proceeded to call XXXX XXXX. 

Between the years XXXX and XXXX, I was solicited by a XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, during a business event held at XXXX XXXX main campus, see Business Card PDF. Speaking with the representative made me feel safe with my decision to borrow money through XXXX XXXX I thought that if my college had invited him to speak with students, that perhaps it was OK to borrow money through XXXX XXXX. I subsequently continued to apply for student loans with XXXX XXXX. I did notice something strange. I noticed that he was hanging around all by himself for a while, not really talking to anyone. Before I left, I witnessed him speaking to an XXXX XXXX female student. While walking back to my dorm, I realized that perhaps, XXXX XXXX  was targeting people of XXXX to borrow money for school because stereotypicaly, people of XXXX are known to not have money to pay for school. I am a person of XXXX and was familiar with racism on campus as I clearly remember a group of tall men surrounding me in front of the SUB building, asking me Are you here to take our jobs? Are you here to take our jobs? I remained silent, and was fearful of what they would do to me should I look at them in the eye, move, or say anything back. I will not be silent today. 

I would like to know, does XXXX University receive commissions from XXXX XXXX to promote their company by means of University employee recommendations or on-campus visits of XXXX XXXX sales representatives? 

I would like to know, does Navient XXXX. Sallie Mae, have internal practices that specifically target people because of the XXXX of their skin or XXXX heritage? If so, I believe this is wrong and should stop. 

My complaint is that I was solicited on XXXX XXXX campus to borrow money with XXXX XXXX. And these said recommendations resulted in financial damages.

Company response to consumer: Closed with explanation