Consumer complaint received 2025-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Subject : Deceptive Student Loan Servicing, Loan Forgiveness Mismanagement, and Financial Harm To : Consumer Financial Protection Bureau ( CFPB ) & U.S. Department of Education Federal Student Aid Ombudsman Loan Servicers Involved : Navient, XXXX Date of Issue : [ Insert Date ] Summary of Issue : I am filing a formal complaint against Navient and XXXX for misleading loan servicing practices, failure to process XXXX XXXX XXXX XXXX ( PSLF ) applications, and unjustified loan balance increases despite over a decade of payments. Their actions have resulted in severe financial damage, loan reinstatement after discharge, and the loss of my chance to purchase a home due to false loan reporting. 

Summary of Issue : I am filing a formal complaint against Navient and XXXX for : Misleading me into paying for XXXX years with no progress toward XXXX. 
Reinstating previously XXXX loans, causing me to lose a home loan opportunity. 
Failing to process my XXXX application and mismanaging my employment certification. 
Artificially inflating my balance through deceptive interest rate manipulation. 
These actions violate multiple federal laws, including : XXXX XXXX XXXX ( HEA ) 20 U.S.C. 1082 ( failure to disclose loan servicing terms ).

Truth in Lending Act ( TILA ) 15 U.S.C. 1639 ( failure to disclose repayment impacts ).

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( unlawful reinstatement of discharged debt ). 
XXXX XXXX XXXX XXXX ( PSLF ) Regulations 34 C.F.R. 685.219 ( failure to track and update PSLF progress ).

Key Complaints : 1 My Loans Were Forgiven, Then Reappeared on My Credit Report ( Major Violation ) I received a student loan forgiveness letter, confirming that my loans were discharged.

The loans were removed from my credit report, which I have screenshots proving.

However, when applying for a home loan, the forgiven loans suddenly reappeared on my credit, costing me the opportunity to buy a home.

Reinstating a forgiven loan without notice is unlawful and must be corrected immediately.

2 Navient Misled Me into Paying for 10+ Years with No Benefit ( Violation of CFPB Regulations on Loan Servicing Transparency ) I began paying Navient in XXXX  and made payments for 10 years, expecting progress on my loan.

Navient recommended I enroll in their Interest Rate Reduction Program, falsely claiming it qualified for XXXX. 
This was a liethe program did nothing for XXXX, my balance never went down, and I now owe $ XXXX more than my original loan. 
Navient has a history of deceptive practices, and this aligns with past lawsuits against them. 
3 XXXX Manipulated My Interest Rate & Ignored My XXXX XXXX XXXX Violation of Borrower Defense & PSLF Requirements ) My loans were transferred to XXXX, who jacked up my interest rate, further increasing my balance. 
I have been working in the nonprofit sector since XXXX, qualifying me for XXXX, but my status has never been updated despite submitting multiple applications. 
My PSLF sits in limbo with no updates, violating federal loan servicing requirements. 
No one will answer my questionsMohela refuses to explain why my XXXX isnt progressing. 
4 How This Has Harmed Me Credit Damage & Home Loan Loss : My loans were falsely removed, then reinstated, killing my home-buying opportunity. 
Unjust Loan Balance Increase : After 10+ years of payments, my balance should have gone down, not up to {$290000.00}. 
Loss of XXXX Eligibility & Time : My PSLF progress was never updated, preventing me from obtaining loan forgiveness. 
Deceptive Loan Practices : I was lied to by Navient about XXXX eligibility and trapped in a worthless payment program. 
Requested Resolution : I request that the CFPB and Department of Education take immediate action to correct these violations : Immediately reinstate the original loan forgiveness status and remove loans from my credit report. 
XXXX Navient and XXXX handling of my PSLF and repayment history to correct errors. 
Retroactively count my 10+ years of nonprofit work toward XXXX, as required by law. 
Investigate Navients deceptive enrollment into a non-qualifying payment program. 
Adjust my loan balance to reflect proper XXXX credit and interest calculations. 

If this is not resolved promptly, I will escalate my complaint to : The U.S. Department of Justice ( DOJ ) for federal loan fraud My State Attorney General for deceptive loan practices The Federal Trade Commission ( FTC ) for consumer fraud Legal action against the servicers involved Attachments ( If Needed ) : Screenshots of my credit report showing loan removal and reinstatement. 
Proof of payments to Navient. 
Copies of my PSLF applications that were never processed. 

I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation