Consumer complaint received 2025-04-25 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: MI

Complaint narrative:
I am filing this formal complaint against Navient Solutions , LLC for engaging in what I believe to be unlawful debt collection practices related to two alleged private Signature Loans. Navient claims these debts originated over 18 years ago. I categorically deny ever signing for, authorizing, or receiving funds from these loans. I have repeatedly requested documentation to validate the existence and legality of these debts, and Navient has failed to provide legally sufficient evidence in response.

Failure to Validate Electronic Signature Navient asserts that these loans were electronically signed. However, under the Electronic Signatures in Global and National Commerce Act ( 15 U.S.C. 70017031 ) and Michigans Uniform Electronic Transactions Act ( MCL 450.831 et seq. ), any electronic signature must be legally attributable to the person claimed to have signed. This includes verifiable metadata such as timestamp logs, IP address, method of authentication ( e.g., multi-factor verification ), and an audit trail confirming the signer 's intent. Navient has provided none of this.

No Chain of Title No Legal Standing Navient has publicly acknowledged that it is not the same legal entity as Sallie Mae, the originator of the alleged loans. Accordingly, under Michigan law ( MCL 600.2145 and MCL 440.3203/.3205 ), Navient must produce a complete and unbroken chain of title proving lawful assignment of the debt. This includes all transfer agreements, endorsements, and records of servicing rights. Navient has failed to produce this chain, making its claim to enforce or collect on the loans legally invalid.

Failure to Provide Proof of Disbursement Navient has not provided any evidence showing the disbursement of funds related to the alleged loans. Under consumer protection and debt collection statutes, a creditor must be able to show not only the existence of the loan but also where the funds went, under what authority, and with what documentation. If I did not receive or authorize these funds, they should not be enforceable against me.

Pattern of Misconduct Consistent with Past Settlements Navients refusal to produce documentation is consistent with its long history of legal violations. In 2022, the company paid {$1.00} XXXX in a multistate settlement due to misconduct, including : - Misrepresentation of loan terms and repayment options ; - Improper application of payments ; - Pushing borrowers into costly forbearances ; - Failure to retain or verify servicing records.

The current issue reflects this same pattern of behavior.

Applicable Laws and Alleged Violations - Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : Failure to validate debt after formal written dispute.

- Michigan Consumer Protection Act ( MCL 445.901 et seq. ) : Engaging in deceptive and misleading practices.

- Michigan Collection Practices Act ( MCL 445.252 et seq. ) : Continued collection attempts without lawful basis.

- MCL 600.2145 : Failure to provide chain of title for sold debt.

- MCL 440.3203/.3205 : Attempting to enforce a negotiable instrument without legal possession or assignment.

Relief Requested - Immediate investigation into Navients debt validation, loan origination, and assignment practices.

- Enforcement action, penalties, and corrective action where violations are found.

- A formal demand that Navient cease all collection efforts until they produce the required legal documentation.

- Confirmation from your office regarding my rights and next steps in disputing this alleged debt.

Attachments Loan Notes with no signature from Sallie Mae Collection Letter Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation