Consumer complaint received 2026-05-11 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: SC

Complaint narrative:
I am filing this complaint regarding private student loans originally issued through Sallie Mae in connection with my attendance at the XXXX XXXX XXXX XXXX. These loans are currently serviced and collected by XXXX ; however, Navient remains the owner of the debt and the entity responsible for decisions regarding dismissal or discharge requests. My federal student loans associated with the XXXX XXXX were previously XXXX through borrower defense based on findings related to misconduct and predatory practices connected to the school. Additionally, both the XXXX XXXX system and Sallie Mae/Navient have XXXX substantial public scrutiny and legal actions related to deceptive and predatory student lending practices. I submitted a request through XXXX for dismissal/discharge consideration of my private loans due to these circumstances. In written correspondence, XXXX acknowledged that I demonstrated that I was a victim of fraudulent or predatory student loan practices connected to the XXXX XXXX. Despite this, my request for dismissal was denied. Importantly, XXXX also stated in writing that decisions regarding dismissal or discharge of these loans are made by Navient, not XXXX. This distinction is important because I believe both companies have repeatedly attempted to redirect responsibility between XXXX another rather than provide a complete and transparent response. After the denial, I formally requested additional information and documentation regarding the basis for the denial, the enforceability of the debt, and related matters. XXXX responded only partially by providing copies of promissory notes and payment histories. However, XXXX failed to provide complete responses to the requested items, including : A detailed explanation for the denial of my dismissal request Clarification regarding the applicable statute of limitations and governing law Confirmation regarding whether the debt is considered legally enforceable through judicial action Documentation establishing the full chain of ownership of the debt Any substantive explanation addressing the impact of the documented misconduct associated with the XXXX XXXX and Sallie Mae/Navient lending XXXX In written correspondence, XXXX further indicated that Navient was XXXX for decisions and determinations related to the dismissal request. Because of this, I then sent formal written correspondence directly to Navient requesting the outstanding information and clarification. Despite receiving my correspondence, Navient has provided no direct written response whatsoever. Instead, XXXX has continued collection activity, including : Frequent phone calls Collection emails pressuring me to call immediately Assignment of a personal representative and collections XXXX Settlement offers Default warnings and escalation notices At the same time, neither Navient nor XXXX has adequately responded to the core issues raised in my dispute. Additionally, XXXX repeatedly refused to substantively discuss the matter in writing and instead insisted that I communicate by phone, despite my repeated requests that all communications remain in writing. I believe this has created confusion and has obstructed my ability to obtain clear, documented answers regarding the status and enforceability of the debt. It is also important to note that Navient is the successor entity to Sallie Maes private student loan operations. Although XXXX services and collects the loans, Navient remains the owner and decision-making entity. I believe the relationship between these entities has resulted in repeated attempts to redirect responsibility back and forth instead of properly addressing my dispute. At this time, I am requesting that Navient and XXXX : Provide a complete written response addressing all outstanding items requested in my prior correspondence Clearly identify the governing law and applicable statute of limitations for these loans XXXX whether the debt is considered legally enforceable through judicial action Provide a complete explanation for the denial of my dismissal request despite written acknowledgment of predatory or fraudulent lending practices Provide documentation establishing Navients ownership and authority regarding these loans Cease collection activity until the dispute and information requests are properly addressed Ensure that all future communications are conducted in writing as requested I am filing this complaint because I believe both Navient and XXXX have failed to provide transparent and complete responses while continuing aggressive collection efforts on disputed private student loans connected to a school and lending environment already associated with documented misconduct and borrower harm.

Company response to consumer: Closed with explanation