Consumer complaint received 2024-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am a former XXXX XXXX XXXX student, currently experiencing wage garnishment for a private student loan originally serviced by Navient, despite having submitted a misconduct discharge form on XX/XX/XXXX. Under the XXXX XXXX XXXX XXXX XXXX to Repayment ( BDR ) provisions and recent actions by the XXXX XXXX, I believe my loans qualify for discharge due to XXXX XXXX documented fraud and misconduct. 

The Consumer Financial Protection Bureau ( CFPB ) has issued actions and a proposed order against Navient for improperly servicing student loans and engaging in deceptive practices with XXXX XXXX students, and the Federal Trade Commissions Holder Rule also protects borrowers like me from deceptive institutional practices. Additionally, the XXXX XXXX recently approved group discharges for XXXX XXXX borrowers under XXXX Action in XXXX, addressing widespread harm to XXXX XXXX students. 

Since submitting my discharge application, I have encountered significant difficulties obtaining information about my loan status and discharge eligibility. Here is a summary of my attempts to get clarification and protection from wage garnishment : XX/XX/XXXX : I submitted a student misconduct discharge form to Navient, but despite the HEAs Borrower Defense protections, I received no response for almost 60 days. 

XX/XX/XXXX : I contacted Navient customer service to request an update on my discharge form status. The representative advised me to wait but could not provide any information on the application review or loan status. 

XX/XX/XXXX : I contacted Navient again and was informed that my loans had been transferred to XXXX for servicing, without prior notification. 

XX/XX/XXXX : I spoke with a XXXX representative, XXXX, who confirmed that my application had been received on XX/XX/XXXX and was under review for a XXXX period. When I requested a written confirmation of this review to halt the wage garnishment by XXXX XXXX XXXX, XXXX stated that no documentation was available and advised me to contact the XXXX XXXX XXXX. 

XX/XX/XXXX : I contacted the XXXX XXXX XXXX and spoke with XXXX XXXX, who confirmed my applications receipt but suggested contacting Navient Charge-Off Department due to the loans being in charge-off status. 

XX/XX/XXXX : I contacted Navients Charge-Off Department, but they also could not provide documentation confirming my loan 's forbearance or ongoing review. I then followed up with XXXX, who reiterated that no documentation would be provided to XXXX XXXX XXXX to halt wage garnishment. 

As an XXXX XXXX student borrower, I am eligible for discharge under the XXXX administrations XXXX group discharge approval, which specifically applies to former XXXX XXXX students affected by the institutions fraudulent practices. Additionally, the Consumer Financial Protection Act ( XXXX ) of XXXX provides the CFPB with oversight authority to address cases where servicers engage in unfair, deceptive, or abusive actssuch as Navients lack of transparency and responsiveness in processing my application and their failure to protect borrowers from further financial harm while applications are pending.

Company response to consumer: Closed with explanation