Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I would like to start with saying that my intent is to go to court with Navient/XXXX and XXXX as the issue has caused my health to suffer which they are aware that I have hereditary XXXX and I have recorded XXXX calls of them harassing me at that time in XXXX and XXXX they wrote to the CFPB do me to call them and I was to provided with a new XXXX who would then give me information that I was requesting from their accounts payable. Information that we already had an image from but we needed system transaction details with intent to do just what we have to do for them having to intent to harm me.. This began in XXXX XXXX when the school fully cleared me then lied and said they either gave back the money, sent it back and XXXX XXXX must of TOOK it back but they dont know at the time this was during the financial crash and my XXXX lost her XXXX job .. so she told me save all the details and come home but the school asked could we isnt turn give them the money again because they couldnt request it back from XXXX XXXX XXXX stated what money I then go back to school where my XXXX XXXX assisted and then upon entering a new school found that hardly no credits would transfer so I started from scratch while working XXXX hours and even XXXX year getting XXXX and attending Navient while I was getting XXXX harassed me I have doctors who saw navient calling me in the hospital and also my XXXX and XXXX XXXX who witnessed the school tell me they didnt know what happened to the money but that the financial markets were having a hard time so it could have been anything but that I now have a bill. This not only derailed my life but my health Navient then thought it could continue to give me fake offers meaning non documented offers .. and lie throughout the years but I had began recording their calls. Example .. navient had called me XXXX time to tell me I had missed payments.. I told them Id be in the hospital for my now permanent XXXX XXXX hereditary XXXX in XXXX and she then threatened that we can sue you or garnish money.. I told them I would prefer court because I have evidence of the issue with the school and how this is impeding upon my health .. they did this for weeks until a XXXX stepped I and offered me still a high month payment plan They then after XXXX placed me in a payment match plan and never performed the match. When. I contacted them for line item information for XXXX school year the accounts payable department said we will need a couple of days but will send that over to you.. I called back days later they stated customer advocated told us to not provide you with any information ( this is in fact ILLEGAL ) They then spoke to me on another occasion offering me XXXX then stating we will send you a form. I call back they say actually you dont qualify anymore and that we cant send you the form I ask why and they say we cant tell you I then contact the CFPB we go back and forth we all determine my statements are true because recordings just dont lie. I get promised a new advocate ( XXXX who actually is their for the students not the company navient I call get ignored the run around etc. upon my last call I record a XXXX XXXX who threatened me not to ever call again per XXXX. He called my personal phone twice by the way and I just recorded it to my XXXX from the phone so you get the number and all so there is no misinterpretation of what I said because we all know navient places false notes.. I then get emails from XXXX XXXX .. XXXX XXXX suggest that for the life time of the loan I only paid XXXX on all loans and yes I have the receipt of proof and recording of this.. I tell XXXX if I have only paid XXXX wouldnt we be in court already .. they said well navient sent us your loan I said do you own it they say NO we come up with an agreement that I will pay on the condition that they provide evidence of the price matches that were never honored originally, that they report and fix all wrong reported information, that they provide complete details regarding an amount refunded to them by the school, that they provide details of allllll the offers they stated they offered me. XXXX said they would work on getting me that but they always ask why I needed it .. and to be fair if navient has been following all the rules it is not something I need to explain .. navient then send my loan to a different department when I demand XXXX provide the information because oddly and I have account pictures in evidence they didnt collect the last payment and said they did in fact they said it declined and the bank said and showed proof that their was no attempt by XXXX to collect a payment ( in reference to the last payment ) I then told XXXX I see what is occurring and to not charge my card but did they have the information I had been asking for for months .. the last email in writing for them said they were getting it still. Navient the send my stuff to another company and lies on a phone recording telling me that the company purchased it .. the other company states till this day we dont own this at all ( I have the recording ) again this is illegal to misrepresent where a loan is. In XX/XX/XXXX XXXX sends me an email to log on for tax information.. I call and they say we had you loan but dont have it.. I call navient they say we had your loan but sold it to the private student loan department for XXXX dollars so then I began following the credit reporting path and taking images. I call the XXXX XXXX department and they say yeah we heard your story cant help you, you have no student loans here we sold it and you have no tax information ( I record it ) .. gentlemen actually tells me he doesnt care if I record him .. my third party asks me to obtain the correct business id because for some reason they gave me mohelas but XXXX contest that i should be able to log in if we service it .. yet i have video evidence that i have been blocked from obtaining information from XXXX years .. the promissory note clearly has been tampered with if i have a photo of a specific refunded amount To make things worse is they I have evidence that the school tried covering up the issue caused by them and XXXX because in XXXX they gave me a XXXX ( when I wasnt in attendance ) applied it to the year that it was supposed to be applied to but by that time and by current date I had already had to do school completely over. What more astonishing is that navient is fully aware that I have hereditary XXXX not XXXX and not simply XXXX and that by purposely causing me stress theyre actually willingly attacking my health .. the agreement was that they were provide documents and transaction details in relation to a school misconduct and instead for years the customer advocate team has participated in attempt to further harm me. . Providing wrong dates to the credit bureau. Telling accounts payable to willingly withhold details. Making sure Id never own anything, Id never have a car to get from XXXX doctors offices etc. . Willingly not documenting each time they entered me into a program or so called offered. Providing inaccurate information to XXXX parties regarding payments. Threatening so may times that I cant count. Providing my personal information to a XXXX XXXX member after sending a letter to the cfpb that told me to call. Blocking me from the website. Inaccurate, false investigation. Racism and bias treatment. Harming someone with a XXXX medical condition when they no about my condition an have since the first day I found out I had the condition cause it happened around XXXX of there due dates when I was called while hospitalized. Its how the doctor event found out I went to school for XXXX years. Reaging of accounts - Im demanding evidence of how many times navient has sold my loans between their department at a XXXX dollar amount so they they can toss it back on my credit report for more years. Willingly lying about the guidelines of their programs in hopes of convincing me they I dont qualify ( on multiple occasions they provide different breakdowns on how the XXXX XXXX forgiveness works ) I was told XXXX time you cant work at all, another time you can work but there is a limit, another time you dont qualify at all, another time you would have to mention it we dont have to offer it to you. . Communicating on recorded line several times that they are a private company and do not have to follow any rules that they can determine ( bias ) who they offer things to or communicate with Now there so may violations that they have already attested to committing I actually asked if we could make this a public thing and Im willing to now They were also told to communicate with me in writing after several threats and tactics that have just caused my immune disorder to remain in a dangerous state and impeded upon my mental and physical health now.

Company response to consumer: Closed with explanation