Consumer complaint received 2024-09-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
This is not an old issue its a new issue with a record account of back issues leading to This one .. in XXXX I spoke to Navient about their forgiveness on 2 basis : 1- the student loan company and the school Used corruption and missconduct and improper auditing factors contributing in my inability to graduate from XXXX during XXXX XXXX and XXXX recession and prior 2- my grandmother exceeding the legal Loan limit happened prior to XXXX as legally she was never a qualified co-signer. I will not say why as the determining facts Were made By salliemae and they to are responsible for financial factors of qualification I then spoke to there forgiveness apartment after making my XXXX payment and they stated yes you qualify we will send you the documentation XXXX XXXX called and was told you dont qualify anymore its because of your school XXXX a manager stated we will mail the reason since I had to beg for it in writing Document stated due to the type of school Two weeks later after the forgiveness issue they sent my loan to a 3rd party The 3rd party also called and stated I paid XXXX on the life time of the loan.. I spoke with my advisor and he stated to call Navient back about the inaccuracy and request information on how the loan was approved to begin with ( determination on my retired grandmother being a legal Co-signer ) expection on how one not Graduating effects payment .. as their were Determination issues seeing as how the issues stem from my senior year at time of recession and at Time salliemae regulation issues causes its split into Navient essentially I called got a portfolio manager from Navient he said no problem I will send you origination documentation. May take two weeks. 


I wait and wait and nothing came.. I call back today and portfolio says they dont Have it anymore as advocates has that info ..I said.. I have a record account on my laptop of when I called advocates And they didnt have it. Ive also written to XXXX I then said can someone also provide the third party with correct info I then said how was it sent to advocates! 

He too could not tell me. I call advocates and get told they do have the info but a request as to be sent.. I said so the request that Ive been asking for since XXXX a again is prolonged I said if Navient and salliemae feel like they did nothing wrong why have I been asking for approval documentation it shows in my record which I keep since XXXX.. 
I asked again this year because My advisor told me too but in truth Ive been denied the info since XXXX and it isnt the promissory note She then informed me that the real real my school doesnt qualify is based on we are Only forgive for Profit private schools and XXXX is a non for Profit.. 
She also Reference I should Know that in a nice way but still she is not Understanding what I know doesnt matter its what I have documented so I need a written statement which my lender legally should provide .. Im not talking about a promissory note as the two are Different! 

We also spoke about Navient terms on XXXX and when and how I was provided the information on it and what.. I said Navient stated two things on two different occasions which I have a record of 1. XXXXXXXX XXXX XXXXXXXX and can not work 2 XXXX percent XXXX only Now my basis for The complaint is larger. Does Navient offer forgiveness based on loan company fraud ( salliemae ) and loan defense I have proof That when I questioned forgiveness my loan was sent Away. While I received incomplete feed back That they with held loan info That they also used illegal tactics I will add that since XXXX I kept a record of My my dealings with Navient and since XXXX with salliemae. 

A denial letter during XXXX recession actually proves my point - on how the school had proof Of clearance yet salliemae stated technically my grandmother exceed and the type of Loan is no longer Offered Yet I have proof That my grandmother income and more Would have never made Her qualified and I had no job Im XXXX so It Wasnt On my basis yet my sisters loans were recently forgiven my twin sisters- Ive had my life destroyed by Navient even while going Through XXXX XXXX so I wont Let It go their last payment was on XXXX and XXXX XXXX after I didnt receive Information timely on my forgiveness it was sent by them to third party with inaccurate info which I have a document showing it. 

Also, in XXXX while going Through XXXX in XXXX and XXXX Also XXXX long term time slots I asked Them To take Me To court and a manager said NO but we Will accept Full payment it went until a different manager called Me With a new tactic accepting smaller fees considering I couldnt work will XXXX XXXX but I was never offered XXXX until I spent months arguing with them while sick.

Company response to consumer: Closed with explanation