Consumer complaint received 2024-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was contacted by the Department of education on XX/XX/year>, regarding my federal debt with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding that my federal debt was forgiven due to finding of fradulent practices and engaging in unlawful conduct. In the weeks following. I became aware, through the PPSL, that Navient had quietly offered a School Misconduct forgivness application. 

On XX/XX/year> I reached out to Navient 's consumer advocate email after receiving the above notice and requested documentation to allow me to apply for forgiveness for my Private loans due to the unlawful conduct. Navient responded within 3 days and I received my School Misconduct application from Navient and started gathering information from various groups organizing for forgiveness from XXXXXXXX XXXX misconduct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There was very little guidance on how to properly fill out the form so I applied several documents regarding the fraud perpetuated by XXXX, my personal circumstances and whatever evidence I could find. 

I completed the form on XXXX XXXX and submitted it to Navient on XX/XX/XXXX. Navient received my completed form on XX/XX/XXXX and notified me of a forbearance on my account stating that it was needed to process the review for my forgiveness. I didn't receive any additional correspondence from Navient following the submission. 

I submitted additional evidence to the same email account with the hopes of improving the documentation on XX/XX/XXXX. This email was not responded to either automatically or otherwise. 

On XX/XX/year>, I received documentation from Navient stating that my application for school misconduct discharge was DENIED for the following reasons " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I am currently attempting to gather more information and attempting to contact the advocate 's office to figure out whether or not I can appeal the decision, or if I can resubmit with evidence, but I haven't been able to find much more evidence. 

I submitted several letters from XXXX XXXX. Several documented cases, from the ED and the DOJ and submitted the case pertaining to the federal government forgiving my debt due to misconduct, and several personal unredacted documents. Without more insight into why Navient denied me. I've been placed back into repayment without any means of recourse. Frankly, if Navient can deny the federal government 's findings, the whole process seems to be arbitrary and biased. 

Since my application XXXX and several other senators have reached out to Navient, telling them that they had improperly denied several school misconduct discharge applications, but I'm currently waiting in the lurch to figure out what I need to do now.

Company response to consumer: Closed with explanation