Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Complaint Type : Student Loan Issue : Incorrect balance / status / reporting Complaint Narrative : I am submitting this complaint regarding a material discrepancy in the status and reporting of my federal student loans. I filed XXXX XXXX to XXXX ( BDR ) applications beginning around XXXX and again prior to 2025 for loans associated with University XXXX XXXX. In or around Summer 2024, multiple indicators reflected that my loans had been XXXX under XXXX, including : Credit reports showing a {$0.00} balance and forgiven status Verbal confirmation from a Federal Student Aid ( FSA ) representative Lack of any billing, repayment schedule, or servicing activity consistent with an active loan obligation However, beginning in XXXX and continuing into XXXX : My loans were reclassified as in repayment with a balance of approximately {$190000.00} My XXXX XXXX application history is no longer visible in the FSA system I received no written notice of any reversal or reinstatement of the debt No documentation has been provided explaining the change in status Additionally, in XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX ) indicating possible servicing or collection involvement. XXXX has not provided documentation validating the debt, demonstrating authority to service the loans, or explaining how a previously XXXX or inactive obligation has been reinstated. Despite the loans being reported as in repayment, I have : Received no billing statements Received no repayment schedule Not entered into any repayment agreement No payment currently due This creates a material inconsistency between how the loans are being reported and the absence of any enforceable servicing activity. Dual-Path Issue ( Core Dispute ) : This matter presents XXXX mutually exclusive possibilities : If the loans were XXXX under XXXX XXXX XXXX XXXX, then : The current reporting is inaccurate The loans must be restored to a {$0.00} balance with a XXXX status If the loans were not XXXX, then : The current balance, status, and servicing must be fully validated Complete documentation must be provided establishing : The validity of the debt Chain of custody and current ownership Authority of any servicer or third party Explanation for prior {$0.00} credit reporting Explanation for absence of billing and repayment activity At present, neither scenario has been properly documented, leaving the debt unsupported and inconsistently reported. Impact : This discrepancy has caused significant financial harm, including : A drop in my credit score from the XXXX to the low XXXX Distortion of my debt-to-income ratio Inability to qualify for a mortgage In the absence of clear documentation supporting the current reported balance and status, this matter reflects a failure of data integrity, record preservation, and servicing coordination. The debt, as currently reported, is not supported by consistent or verifiable records and must be corrected. I request a prompt and substantive response.

Company response to consumer: Closed with explanation