Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out XXXX loans between XXXX. Total amount borrowed $ XXXX 6.8 % with 120 month term. Repayment began in XXXX. Navient transferred them to XXXX in XXXX with all their Direct loans and I submitted XXXX waiver. XXXX confirmed and I have not heard from anyone since. Except, in XXXX of XXXX I received a collections letter from XXXX XXXX for the amount of {$30000.00} owed to Navient. 
During the course of my loan repayment, Navient misappropriated funds, harrassed and threatend an XXXX  cosigner 4 times a day asking for money on loans she did not cosign on and the XXXX she did they did not service XXXX were paid in XXXX. Navient forced me to make exceedingly high monthly payments, misallocated payments causing missed payments on some loans then reported them to the credit bureaus, at one point reported that I owed over $ XXXX to credit bureaus and continue to report my loans with multi derogatory XXXX missed payments and XXXX charge offs as profit/loss. I disputed this to transunion and a couple of days later my husband and I both received a call from Navient. I again checked my credit report and Navient had added a false loan which they reported as completed and originating in XXXX for {$10000.00} and reported 100 % on time monthly payments. They left the other loans reported as charged off late combined amounts of over $ XXXX showing no payment history. In addition to Navient, XXXX XXXX and XXXX are reporting the same exact loans and origination dates as defaulted loans with over XXXX late payments. XXXX derogatory hits. Overall, I do not owe anything other than a small remaining car loan and I can not even survive without having to pay double for everything I do because of my credit. 
In XXXX my son and I needed to leave my abusive husband. We moved to California but even with a full year of rent in advance, could not find a place to live due to the credit damage. I was forced to spend over $ XXXX in XXXX rentals for a few months. I would like to buy a car, but my credit is causing a 21 % apr on any car loan. 
Due to Navient 's misconduct and theft they never applied the 10 years of monthly payments of between $ XXXX $ XXXX to the loans. Instead transferred them unpaid with the federal direct loans to XXXX in XXXX and it was thought and told to me the XXXX  applied. No one contacted me after this period ( except navient trying to collect an extra $ XXXX that was completely fabricated ) My investigation into what occurred throughout the life of the loans has shown a complete misappropriation of funds. We paid monthly for 10 years at over $ XXXX {$800.00} per month. Origination was $ XXXX 6.8 % XXXX term. 
Navient has reported my loans in default with late payments since they began servicing them in XXXX. In addition to claiming XXXXXXXX XXXX XXXX XXXX  loans they obtained information regarding XXXX previously paid stafford loans from XXXX XXXX University and added them as unpaid to my profile. Since I made monthly payments they instead called and harrassed, up to 4 times a day, my 84 year Grandmother, ( who had been a cosigner on the paid off loans ) threatening her with jail if she did not pay. My Grandmother was not a cosigner on loans they serviced. And the loans she was on were paid of in XXXX through XXXX. 
I spoke with representatives at studentaid.gov and was told Navient never serviced any of my loans and that it was a scam because only XXXX XXXX serviced them. Both XXXX XXXX and Navient were being paid for 10 years : $ XXXX {$640.00} per month to Navient and $ XXXX {$240.00} to XXXX XXXX  XXXX 
I had ongoing correspondence via phone and mail from both servicers. Navient claiming my loans were broken into XXXX separate loans ( XXXX of which had been paid and handled by a seperate servicer ). And documented notice of the loan transfer to XXXX in XX/XX/XXXX from Navient. 

Currently studentaid.gov reports that I am in default by $ XXXX. I had no private loans on XXXX XXXX loans between XXXX and XXXX.

Company response to consumer: Closed with explanation