Consumer complaint received 2024-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
XX/XX/XXXX : I contacted advocate @ navient to request the XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : I received a generic response from Navient via email : " Thank you for your interest in our new school misconduct program. Unfortunately, we are still in the early phases of implementing this new program. Once the program moves through the XXXX XXXX, we expect to fully launch the program to all interested and qualified borrowers some time in the next few months. Because of your expressed interest in this program, you will be notified once it has been fully implemented. We apologize for the delay in our response. 
XX/XX/XXXX : I filed a complaint with the CFPB due to being denied an application XX/XX/XXXX : I received a generic response from Navient via XXXX XX/XX/XXXX : I received a XXXX XXXX XXXX XXXXXXXX via my Navient account inbox XX/XX/XXXX : I sent a completed app of XXXX pages, which included evidence to support my school misconduct claims, including numerous reports of known widespread wrongdoing and lawsuits against my school, XXXX XXXX XXXX, and its parent company, XXXX, along with documentation to show a long-standing pattern of financial hardship repaying my loans for close to 20 years. 
XX/XX/XXXX : I was notified via XXXX that my application was received XX/XX/XXXX : I received formal notice via my Navient account inbox that my application had been received and that they needed up to 60 days to review it. 
XX/XX/XXXX : I received a XXXX XXXXXXXX XXXX denial letter via my Navient account inbox that provided no reason for my denial, only saying, We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( XXXX ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 
XX/XX/XXXX : I emailed advocate XXXX navient to request the specific reason ( XXXX ) for the denial and received a generic response XX/XX/XXXX : Submitted a revised school misconduct application XX/XX/XXXX : Received confirmation that my loans had been discharged and received a refund check for only {$410.00} I, like many others, have unwittingly contributed thousands of my hard-earned dollars to benefit corporations that knowingly took advantage of well-intentioned students looking to better themselves. While the forgiveness of the substantial remaining balance of {$55000.00} on my loan is a welcome development, the financial damage caused by the school I attended and Sallie Mae/Navient is undeniable. Of the original {$26000.00} loans taken out to fund my education, I repaid {$29000.00}. A refund of only {$410.00} for a fraudulent education is a slap in the face. It's on record that Navient was aware of the misconduct on the part of my school based on its parent company, XXXX XXXX XXXX 's ( XXXX ) inclusion in the XXXX XXXX XXXX, which lists XXXX on page XXXX of Appendix A of the final judgement. Between the XX/XX/XXXX settlement date and XX/XX/XXXX, I continued to pay a total of {$10000.00} and, at the very least, should have received a refund for that amount, given that there were no opportunities available to apply for any school misconduct and failing to repay would seriously affect my credit. Yet again, I was taken advantage of. A full refund for the {$29000.00} spent on an education program that provided no value and led to extensive debt and XXXX  and emotional anguish should be the expectation.

Company response to consumer: Closed with explanation