Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navient regarding their unhelpful and obstructive handling of my application for discharge of fraudulent student loans originating from XXXX  XXXX XXXX, a for-profit institution known for its deceptive practices. Despite the federal government 's recognition of widespread fraud at XXXX  XXXX XXXX and Navient 's permanent ban from servicing federal student loans, Navient has failed to properly process my discharge request and continues to pursue collection on these invalid debts. 

I attended The XXXX XXXX back in XXXX, where I was defrauded as a consumer through misleading representations about the program 's value, employment prospects, and other key factors. 
My federal student loans from this institution have been XXXX by the XXXX Department of Education as part of their group discharge for borrowers who attended The Art Institutes between XX/XX/XXXX, and XX/XX/XXXX, acknowledging the widespread fraud. However, my private student loans, which are handled by Navient, have not been discharged despite originating from the same fraudulent practices. 
These private loans were originally serviced by XXXX XXXX before being transferred to Navient following their corporate separation in XXXX. 

XXXX  XXXX XXXX have been the subject of multiple lawsuits and settlements for fraudulent practices, including a {$95.00} XXXX settlement in XXXX by their parent company, XXXX XXXX XXXX, for illegal recruiting tactics and consumer fraud. Additionally, the XXXX v. XXXX lawsuit contributed to the cancellation of billions in federal loans due to school misconduct, with ongoing updates as of XX/XX/XXXX denying requests for rehearing. 

Navient itself has faced numerous lawsuits related to student loan wrongdoing, including a XXXX lawsuit by the CFPB that led to a {$120.00} XXXX settlement and a permanent ban from federal student loan servicing in XXXX for widespread failures and abuses. More recently, in XX/XX/XXXX, borrowers filed a lawsuit ( XXXX v. Navient ) against Navient for denying discharge applications despite evidence of school misconduct, which is specifically relevant to my personal situation as of XX/XX/XXXX. A congressional investigation in XX/XX/XXXX also revealed that Navient may be improperly denying borrowers relief from predatory student loans. 

My loans from this period are serviced by Navient, even though the Consumer Financial Protection Bureau ( CFPB ) banned Navient from federal student loan servicing in XX/XX/XXXX as part of a {$120.00} XXXX settlement for widespread failures and abuses. 
The XXXX Department of Education has acknowledged the fraud at XXXX  XXXX XXXX, approving automatic group discharges for nearly XXXX borrowers who attended between XXXX and XXXX, totaling over {$6.00} XXXX in relief. My case is as included within this category, as the federal government has agreed that students like me were defrauded. 


I submitted a proper detailed application, which took me HOURS to complete for school misconduct discharge through Navient 's channels, given that these are private loans. Navient responded with a generic, automated denial stating that I did not " meet their criteria for discharge, '' without providing any specific reasons tailored to my individual circumstances. 

This blanket response appears to be the same one issued to hundreds, if not thousands, of other defrauded students from similar institutions, lacking transparency about the discharge requirements and criteria. 

Furthermore, now a third-party debt collector is now sending collection mail and seeking payments for this same fraudulent loan, which was first serviced by XXXX XXXX XXXX XXXX by Navient, and has apparently been assigned to this collector, continuing the aggressive pursuit of invalid debt. ( FTCs Holders Rule applies ) Navient is deliberately ignoring the federal government 's findings on XXXX XXXX XXXX XXXX fraud and is continuing to engage in aggressive collection practices on these fraudulent loans, exacerbating my financial hardship. 

This behavior violates consumer protection standards and undermines the intent of student loan relief programs designed to protect borrowers from predatory schools. Navient 's actions have caused me and my father significant stress, as they refuse to acknowledge the validity of my claim despite clear evidence of fraud. 

I request that the CFPB investigate this matter, hold Navient accountable for their failures, and facilitate the discharge of my fraudulent private loans. Additionally, please ensure that Navient ceases all collection activities on these fraudulent debt and provides restitution where appropriate. 

Its been 16 years since I was defrauded by the already closed non existent useless XXXX XXXX and their criminal debt hovering over my life and its time to make it stop. 

Justice must be served. 

Thank you for your attention to this complaint. I can provide additional documentation, such as application details, denial letter, and collection notices from the third-party debt collector, upon request. 

Thank you.

Company response to consumer: Closed with explanation