Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I am filing a formal complaint against Navient for its unfair, deceptive, and bad-faith denial of my application for a School Misconduct Discharge for private student loans used to attend XXXX XXXX XXXX XXXX 
Background : My private loans were taken out to attend XXXX XXXX XXXX 's XXXX XXXX campus from approximately XXXX  to XXXX. 
The misconduct and fraud perpetrated by XXXX XXXX XXXX is not an allegation ; it is an established fact. The U.S. Department of Education has determined that XXXX engaged in widespread, substantial misrepresentations that deceived students, including myself. As a result of these findings, my federal student loans for the exact same period of enrollment at XXXX XXXX were fully discharged. I have attached the official letters from the Department of Education confirming this discharge under the XXXXXXXX XXXX XXXXXXXX settlement and the XXXX XXXX XXXX discharge. 
The Unfair and Deceptive Practice : Relying on this definitive evidence of fraud, I submitted a detailed " School Misconduct Discharge '' application to my private loan servicer, XXXX, as directed by their own process for Navient-owned loans. I provided a 14-page application outlining the specific harm I suffered, including financial loss, lost wages, and the fact that the education was worthless. 
On XX/XX/XXXX, XXXX, on behalf of Navient, denied my application. The sole reason given was : " A variety of factors are considered 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. '' This response is a stonewalling tactic and constitutes an unfair and deceptive practice for the following reasons : It is Vague and Non-Transparent : It provides no specific information about what " requirements '' I failed to meet. It is impossible for me to understand the basis of the denial or formulate a meaningful appeal. 
It Ignores Overwhelming Evidence : It willfully ignores the irrefutable findings of the U.S. Department of Education, which established the school 's fraud using a much higher standard of evidence than a consumer is able to produce.

It is a Bad-Faith Review : Navient created a discretionary relief program, induced me to apply, and then denied it without providing a substantive reason. This suggests the program is illusory and the review process is a sham, designed to deny legitimate claims. 
For nearly 20 years, I have been making payments on these fraudulent loans. I have suffered immense financial hardship and lost decades of career opportunities and income because I was tricked into borrowing for an education that was a complete fraud. Navient 's refusal to provide a transparent review and its dismissal of definitive evidence from a federal agency is unconscionable. 
I have attached all relevant documentation, including my application, Navient 's denial letter, and the federal discharge confirmations.

Company response to consumer: Closed with explanation