Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XX/XX/XXXX Navient Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : Account # XXXX Response to Your XX/XX/XXXX Letter To Whom It XXXX Concern : I am in receipt of your letter dated XX/XX/XXXX, which you have presented as a response to my complaint submitted through the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX Your letter fails to address the substance of my request. I originally sought validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and applicable state law. Your correspondence does not constitute debt validation. It provides no verification of the amount owed, no documentation showing that I am legally obligated to pay the alleged debt, and no evidence that Navient is authorized to collect on the purported accounts. Instead, you make general statements about federal loan programs, threaten default, and dismiss the 1099-C documentation I provided without any investigation. Debt Validation Remains Outstanding To date, Navient has not provided : A copy of any signed promissory note bearing my signature ; A full accounting of the alleged debt, including the principal amount, interest accrued, fees, and any payments made ; Documentation demonstrating Navients legal authority to service or collect on the alleged loans ; or Any substantiation that the 1099-C form I possesswhich indicates cancellation of debtis fraudulent, beyond your unsupported assertion. Your claim that the 1099-C may have been falsified by an outside third-party company is speculative and does not satisfy your obligation to verify the debt. If you contend the debt remains valid, you must provide competent evidence. Mere denial is insufficient. Continued Collection Efforts Without Validation You state my account is severely past due and in jeopardy of default. Any further collection effortsincluding reporting to credit bureaus, assessing fees, or transferring the account to a guaranty agencywould constitute continued collection activity in the absence of validation. Such actions would violate the FDCPA, which prohibits collection activities until validation is provided when a timely dispute has been made. Legal Consequences Please be advised that if Navient or any agent acting on its behalf continues collection efforts without first providing proper debt validation as required by law, I will consider filing suit for violations of the FDCPA, the FCRA, and applicable state consumer protection statutes. I will seek statutory damages, actual damages, attorneys fees, and costs. I demand that Navient : Provide full and proper debt validation within 15 days of receipt of this letter ; Cease all collection activities, including credit reporting, until validation is provided ; and Preserve all records related to this matter, as they may be relevant to pending and future legal proceedings. I will accept service of process at the above address should you fail to comply with federal law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation