Consumer complaint received 2025-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Re : Discharge of Loan in Bankruptcy & Request for Removal of Incorrect Reporting XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Navient Solutions , LLC Attn : Customer Service Re : Discharge of Loan in Bankruptcy & Request for Removal of Incorrect Reporting Dear Sir/Madam, I am writing to formally address a significant issue regarding my student loan that was discharged in bankruptcy and has been incorrectly reappearing on my credit report. The loan was cosigned by my mother, XXXX XXXX, and was discharged on XX/XX/XXXX, as part of my bankruptcy proceedings. The loan in question is associated with Customer ID Number XXXX. 
Upon the discharge of the loan in bankruptcy, my name was removed as the primary borrower, and my mother, XXXX XXXX, became the sole primary borrower. However, after a period of approximately four to five years, I noticed that my name reappeared on statements as both the primary and my mom as a secondary borrower, despite the fact that the loan was discharged and I was no longer responsible for it. 
For the past five to six years, I have contacted your customer service department repeatedly, attempting to resolve this issue. I have also submitted the relevant bankruptcy paperwork demonstrating that this loan was discharged and removed from my credit report for over five years. Despite these efforts, my name was re-applied to the loan on my credit report, causing significant confusion and harm to my credit standing. 
Additionally, I received a written communication from Sallie Mae ( now Navient ) regarding my account, stating that my payments had been suspended due to a lawsuit ( XXXX XXXX Navient ) in which Navient was alleged to have violated the Consumer Financial Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. The lawsuit specifically addresses improper collection attempts on loans that were discharged in bankruptcy, including loans where borrowers or cosigners had received discharge orders. 
Furthermore, the lawsuit alleges that Navient engaged in several illegal practices, including steering borrowers who may have qualified for income-driven repayment plans into forbearance instead. This practice was cheaper and simpler for Navient, but detrimental to borrowers. By placing borrowers into forbearancewhere interest continued to accrue and capitalizeNavient 's actions caused many borrowers to incur additional interest charges. 
The lawsuit also highlights that Navient misled borrowers about income-driven repayment plans, failing to adequately notify borrowers of the requirement to annually recertify their enrollment. As a result, many borrowers had their monthly payments increase and experienced delays in loan cancellation due to incomplete or incorrect applications. 
In addition, Navient deceived borrowers about the requirements for cosigner release. They made representations to private loan borrowers that if they paid down their loans in a particular manner, they could apply to have their cosigners released. However, Navient did not honor these representations for some borrowers. 
The lawsuit further states that Navient improperly attempted to collect or did collect on loans that were discharged in bankruptcy, thereby violating court orders and the rights of borrowers. I believe my case is directly impacted by these allegations, as the loan in question was discharged and should no longer be reported on my credit. 
Given these circumstances, I respectfully request the following actions from Navient : 1. Immediate correction of my credit report to reflect that the loan was discharged in bankruptcy on XX/XX/XXXX, and my name should not be listed as either the primary or secondary borrower. 
2. Removal of any references to my name on the loan going forward, as I am no longer liable for this debt. 
3. Confirmation in writing that the loan has been properly discharged and that no further collection efforts will be made regarding this loan. 
4. A refund of any payments made my myself after the discharge of this loan from XXXX XXXX. 
Please treat this matter with the urgency it deserves. I am requesting a prompt resolution, as this issue has been ongoing for an unacceptable amount of time. 

Thank you for your immediate attention to this matter. I look forward to your confirmation of the corrections made to my account. Should you require any further information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation