Consumer complaint received 2025-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint against XXXX University for engaging in deceptive and unlawful practices that have adversely affected my education and financial well-being. 

Details of the Complaint : XXXX. Misrepresentation and Denial of Credit Transfer In XX/XX/XXXX, I tried to reenroll to return to XXXX University to finish my XXXX degree. During the enrollment process, I was explicitly told that my previous credits earned at XXXX would be accepted and transferred toward my degree. However, shortly after, I was informed that none of my credits would be accepteddespite being XXXX credits. This misrepresentation caused significant confusion and distress. 

Furthermore, after XXXX University closed its doors in XXXX, I was unable to transfer or utilize my credits at any other institution, effectively trapping me in debt without the opportunity to complete my education or benefit from the credits I had earned. 

XXXX. Fraudulent and Deceptive Practices XXXX University engaged in widespread misconduct, including misleading students about graduation and employment rates, accreditation status, and the value of their programs. These practices are documented in lawsuits, investigations, and reports by the Department of Education and the Debt Collective. 

XXXX. Failure to Honor Promises and Bad Faith Conduct The schools refusal to honor its promises regarding credit transfer, combined with its subsequent closure, constitutes a breach of contract and bad faith conduct, which I believe qualifies as fraudulent under applicable laws. 

XXXX. Privacy Violations During the Trump administration, my personal data was accessed and shared without my consent, involving entities such as XXXX XXXX, violating 5 U.S.C. 552a ( The Privacy Act of 1974 ).

5. Unlawful Reporting and Debt Collection Practices Despite the payments and the schools misconduct, the portal for federal student loans falsely indicate that I have not made any payments. Additionally, ongoing collection efforts on a debt I contest as invalid violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

Request for Action I respectfully request that the CFPB : Investigate XXXX University 's deceptive practices, and the company that is holding the loans misrepresentations, and closure-related misconduct. 
Take appropriate enforcement action against XXXX for violations of federal law. 
Ensure the invalidation and discharge of my student debt associated with XXXX University under the borrower defense provisions. 
Require the correction and removal of any negative credit reports related to this debt. 
Protect other students from similar misconduct by XXXX University. 

Enclosed are copies of relevant documents, including correspondence, enrollment records, and evidence of payments. I have to get bank records. 

Thank you for your attention to this serious matter. I look forward to your prompt response and action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation