Consumer complaint received 2024-07-31 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to follow up on my ongoing case with Navient regarding my school misconduct student loan discharge application. While I appreciate the assistance provided by the CFPB that led to my application being acknowledged and marked as pending in my Navient account, I have yet to receive an official response from Navient regarding the approval of my discharge application. 

Moreover, XXXX of my private loans is currently marked as " suspended, '' and I recently received correspondence indicating that my loans will be serviced by XXXX starting in XXXX. Despite these developments, my primary concern remains the need for a full refund of all payments made on these predatory loans. 

My loans amounts have been updated to XXXX balance which is a step in the right direction however these loans were based on aggressive and deceptive practices and warrant a full refund. 

Background : I was enrolled at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was forced to close due to numerous violations, including aggressive and deceptive recruitment practices. The financial aid representative, XXXX XXXX, used predatory lending tactics to coerce me and my father, XXXX XXXX XXXX, into taking out these loans. These tactics included pressuring immediate enrollment decisions, misleading information about the educational services and employability of graduates, and obtaining our contact information through deceptive means. 

Given the aggressive and deceptive nature of the recruitment and lending practices employed, these loans are predatory and fall under the purview of the Department of Education 's regulations against such practices. 

XXXX XXXX XXXX XXXX : I have already successfully received a borrower defense loan discharge for my federal loans, including processed refunds. This outcome further validates the predatory and unlawful nature of the practices employed by The XXXX XXXX, and underscores the need for similar action regarding my private loans serviced by Navient. 

Request for Refund : In addition to the discharge of the outstanding loan balances, I am requesting a full refund of all payments made to Navient on these predatory private loans. The XXXX XXXX and the documented predatory lending practices used by XXXX XXXX XXXX justify this request. It is imperative that Navient acknowledges the harm caused by these predatory practices and refunds the payments to rectify the situation fully. 

I urge the CFPB to assist in ensuring that Navient not only processes my loan discharge application promptly but also issues a full refund for all payments made on these predatory loans. I have provided substantial evidence to support my case, and I am confident that the predatory nature of these loans warrants this action. 

Thank you for your continued support in addressing this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation