Consumer complaint received 2023-02-08 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: CA

Complaint narrative:
I sent Navient a Cease and Desist, Debt Validation, Conditional Acceptance Letter for accounts ending in XXXX, XXXX, XXXX via registered mail # RF XXXX XXXX XXXX delivered on XX/XX/XXXX. They have not responded to my terms requesting a XXXX forensic auditing of the accounts- providing and how the money was created. 

I sent NAVIENT a SECOND NOTICE stating : " In that letter, I gave notice in writing, pursuant to Title 15 USC 1692c ( c ) that I refuse to pay this alleged debt for accounts ending in 3536, 6658, and 4624, and DEMANDED that you cease all forms of communication with me through ANY AND ALL MEDIUMS. Pursuant to Title 15 USC 1692a ( 2 ) communication is defined as the conveying of information regarding a debt directly or indirectly to any person through any medium. The word ANY is defined as one, some, or all indiscriminately of whatever quantity ; used to indicate one selected without restriction. 

1. Navient has continued to contacted me via XXXX, violating 15 U.S. Code 1692c ( c ). 

2. On XX/XX/XXXX, XX/XX/XXXX you reported alleged debt to XXXX, XXXX, and XXXX for accounts ending in XXXX, XXXX, and XXXX, violating 15 U.S. Code 1692g ( b ) 3. Pursuant to 15 U.S. Code 1692a ( 6 ) : The term debt collector does not include ( A ) any officer or employee of a creditor while, in the name of the creditor ( AKA me, as Im the original creditor ), collecting debts for such creditor. I am the ORGINAL CREDITOR my bonds/ securities were sold in my FULL CAPS NAME and my social security number. 

4. Pursuant 15 U.S. Code 1692 ( a ) : Consumer has a right to privacy. My privacy has been violated on multiple occasions, I never provided any consent to furnish my information.

5. Pursuant to 15 U.S. Code 1681 ( b ) : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Consumer reporting agencies have not adopted reasonable procedures and have continue to not follow the United States Codes Congress has passed.

6. Pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) : allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to NAVIENT. NAVIENT has caused stress by not providing full disclourse about I am the actually creditor. NAVIENT has chosen to harassment with multiple emails, letters and phone calls attacking me for a alleged debt. I have spent many nights unable to sleep with high anxiety and mental anguish trying to figure out how to pay and care for my family, when in fact I am the CREDITOR and the money came from my FULL CAPS NAMES. 

7. Pursuant 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given the opportunity to direct their information, whether they want their information about a transaction to be reported or not. This is referenced in the Gramm Leach Bliley Act.I never gave anyone permission or direction to publish my information.

8. Pursuant 15 U.S. Code 1681n- ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum ofdamages the consumer sustains, not less than {$100.00} and not more than {$1000.00}. NAVIENT knows better and willfully failed to comply with this requirement.

9. Pursuant 15 U.S Code 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment. I am the original creditor, I am not the debtor.

10. Pursuant 15 U.S Code 1692a ( 5 ) '' - debt, obligation or an alleged obligation. This was never a debt, as I am the creditor it is MY monie.

11. Pursuant 15 U.S Code 1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication. I am the consumer who DOES NOT OWE this debt as I am and always have been the original creditor.

12. Pursuant 15 U.S Code 1692d ( 5 ) : - causing the consumers phone to ring to annoy, abuse, harass, any person at the number. NAVIENT has chosen to violate this code by constantly calling my phone multiple times during the day, stating I must pay this alleged debt. When in fact they are acting as a debt collector.

13. Pursuant 15 U.S Code 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. Each bill I receive shows a positive amount, when in fact if it were a debt it would show a negative amount.

14. Pursuant 15 U.S Code 1692e ( 8 ) - Communicating with any person false credit information including failure to communicate the debt is being disputed aka false and misleading reporting. NAVIENT continues to report this debt, without my permission and I sent multiple letters, including a CEASE and DECIST LETTER 15. Pursuant 15 U.S Code 1692f ( 1 ) - collection of many amounts other than interest or agreed upon within the original contract ( we agreed within a contract a specified amount and if its not the original amount which was specified, the opposing party can not collect ). I have accrued multiple fees on these loans, NAVIENT is being dishonest.

16. Pursuant 15 U.S Code 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. NAVIENT continues to not comply with this code and reports fraudulently information about me which is causing stress and anxiety.

17. Pursuant 15 U.S Code 1692h - Run me back my money. Per this code, I am demanding all my money back that has been paid on these loans.

18. Pursuant 15 U.S Code 1692j - False and deceptive forms. I was never provided the full disclosure of the loans ; in fact a lot was hidden and NAVIENT were dishonest 19. Pursuant 15 U.S Code 1692k ( a ) ( 1 ) - Allows for any action of damage. I am dealing with MY credit score taking a huge impact from these actions and damages due to NAVIENT not complying with the USC that Congress passed.

20. Pursuant 15 U.S Code 1681a ( e ) - investigated reports must have sources of interviews of family and friends, and the results can not contain factual information. NAVIENT did not provide these facts.

21. Pursuant 15 U.S Code 1681g ( f ) ( 2 ) ( A ) ( i ) - Credit score is a risk score.

My credit score has been seriously impacted by NAVIENT, and what they have reported to the credit bureaus.

22. Pursuant to 15 U.S Code 1681i ( 6 ) ( A ) - failed demand to comply or failure to comply pursuant to 15 U.S. Code 1681o ( a ) ( 1 ) - For negligent noncompliance, or in other words, failure to comply even though they should have known they must comply, is equal to the sum of action damages. NAVIENTS CEO, CFO, and BOARD knows better, and what they are doing is violating so many UNITED STATES codes Congress has passed to protect the consumer.

FURTHERMORE, YOUR COMPANY HAS CHOSEN TO IGNORE THE TERMS WHICH I OUTLINED IN MY ORIGINAL NOTICE. You have failed to provide all necessary documents to validate this alleged debt which will result in a civil penalty through litigation PURSUANT TO 15 USC 1681 ( n ) & 15 USC 1681 ( o ), and each individual responsible will be held liable. " On XX/XX/XXXX registered mail XXXX NAVIENT 'S SILENCES AGAIN. a CORPORATION CAN NOT violate the law, contracts or XXXX If they do, the contract is is ultra vires- VOID. Silence by NAVIENT results only in an attempt to DEFRAUD me by some SCHEME or DEFRAUD and is, itself, grounds for an action as FRAUD is actionable.

Company response to consumer: Closed with explanation