Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Executive Appeal for School Misconduct Discharge & Refund Request Date : XX/XX/XXXX To : Navient Office of the Customer Advocate / Legal Review Mailing Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Electronic Submission : XXXX XXXX XXXX From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers XXXX XXXX ( Active Signature Loan ) XXXX ( Active Signature Loan ) [ Insert Account Number for Paid-Off Loan ] ( Paid-In-Full Smart Option Loan ) SUBJECT : FORMAL EXECUTIVE APPEAL OF DENIED SCHOOL MISCONDUCT DISCHARGE & DEMAND FOR ACCOUNT RE-REVIEW To the Navient Legal Department and Office of the Customer Advocate, I am writing to formally appeal the denial of my School Misconduct Discharge applications. Pursuant to Navients recent statement via the Consumer Financial Protection Bureau ( CFPB ), which explicitly notes that your internal denial is " not legally binding '' and invites the submission of secondary evidence substantiating misconduct and financial harm [ 1 ], this comprehensive packet outlines the severe administrative coercion, fraudulent marketing, and mathematical exploitation used to generate these accounts. 1. Legally Established Institutional Fraud & Federal Cash Refunds The U.S. Department of Education conducted an exhaustive fact-finding investigation into the XXXX XXXXXXXX XXXX XXXXXXXX covering my exact enrollment window. The federal government determined that the institution engaged in systemic, pervasive consumer fraud, predatory marketing, and deceptive recruitment metrics, resulting in a total discharge of my federal debt. Furthermore, on XX/XX/XXXX, the Department of Education officially issued me two distinct federal cash refunds totaling {$7300.00} ( {$4900.00} and {$2300.00} ) for payments previously made toward these fraudulent contracts. The federal government has legally established that my enrollment at this institution was entirely invalid, directly contradicting Navients claim that these allegations " lack legal merit. '' Copies of these official portal screens are attached as irrefutable evidence. XXXX. Narrative of High-Pressure Coercion and Duress The private loans in question were obtained under direct administrative duress. Approximately two weeks into an active academic quarter, I was abruptly pulled out of class and brought to the financial aid office by a representative named XXXX XXXX. I was informed that my financial aid was exhausted and that if I did not sign for a new private loan that exact day, I would be banned from attending classes. I was XXXX XXXX XXXX, completely lacked financial literacy, and was denied any opportunity to contact my parents for guidance. I signed under the immediate threat of losing my academic standing and tuition. XXXX. Fraudulent Career Services and Job Placement Deception The school induced my enrollment and loan signatures through fraudulent promises of career placement services. Upon graduation, the " Career Services '' department completely abandoned me. I was assigned to a career advisor named XXXX XXXX. I had exactly one meeting with him, during which the only employment he was able to locate for me was a entry-level, retail sales associate position at a local camera store ( XXXX XXXX XXXX XXXX After failing to provide any actual industry placement, XXXX XXXX never contacted me again. The school 's advertised employment metrics were an outright fabrication. XXXX. Comprehensive Mathematical Proof of Severe Financial Harm Navient has requested documentation directly substantiating financial harm. The aggregate financial metrics across my active and closed accounts prove an unconscionable, unpayable debt trap : Aggregate Original Principal Borrowed : {$62000.00} Total Amount Paid to Navient to Date : {$110000.00} Total Interest & Fees Extracted by Navient : {$54000.00} Current Remaining Balance ( Active Loans ) : {$26000.00} To escape my first private loan, I was subjected to a predatory variable interest rate that peaked at an astronomical 16.375 %. Navient forced me to pay {$44000.00} to settle an original principal of {$18000.00}. {$22000.00} went strictly to interest and fees. Across all three accounts, I have already paid Navient a staggering {$110000.00}, which represents 180 % of the original principal borrowed. XXXX. Documented Financial Distress and Ongoing Economic Harm Pursuant to Navient 's request for documentation substantiating ongoing harm, my current financial standing demonstrates a mathematically unlivable debt-to-income ratio. The high-paying career promised by the school never materialized, forcing me to live paycheck to paycheck just to get by. Due to the crushing burden of paying over $ XXXX to Navient, I have been forced to accumulate {$13000.00} in high-interest credit card debt just to cover basic living necessities, and I currently face a {$3000.00} tax liability to the government. I am 5 payments behind and facing total default because I am completely insolvent.

Company response to consumer: Closed with explanation