Student loan -- Dealing with your lender or servicer -- Complaint #10453570
Complaint Overview
Complaint ID: 10453570
Company: Navient Solutions, LLC.
Product: Student loan
Sub-Product: Private student loan
Issue: Dealing with your lender or servicer
Sub-Issue: Received bad information about your loan
State: Florida
ZIP Code: 33160
Date Received: 2024-10-13T12:00:00-05:00
Date Sent to Company: 2024-10-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against Navient regarding their denial of my request for discharge of private student loans that were used to finance my education at XXXX XXXX XXXX. I believe their denial is unjustified, as my federal student loans for the same degree program were discharged by the U.S. Department of Education due to school misconduct under the borrower defense program. Background Information : * School : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Enrollment period : XXXX * Federal Loan Discharge : My federal loans, which funded the same program, were discharged due to findings of school misconduct and fraudulent practices by XXXX XXXX XXXX XXXX * Private Loans : The private loans I am seeking to discharge were obtained from Navient to finance the same education program. Issues with Navient : * Despite the approval of my federal loan discharge, Navient denied my request for discharge of my private loans. * I received no specific explanation for the denial, despite multiple attempts to seek clarification. * I have submitted all necessary documentation, including employment and salary history after graduation, and the discharge letter for my federal loans, but Navient has not responded with a valid reason for their denial. * I believe Navient is acting in bad faith by failing to address my concerns and refusing to provide an appropriate discharge for loans that funded a fraudulent program. XX/XX/year> : Email School Misconduct Application to advocate @ navient.com, but I get an automated email reply with a blank application. XX/XX/year> : Mail printed School Misconduct Application since sending it by email is not an option. XXXX XXXX : Received email letter notification they received my application XXXX XXXX : Received email letter NOI notification that my application was incomplete, but no specifics on what was missing. XX/XX/year> : I called XXXX different times and couldn't reach anyone. Left voicemails. XXXX XXXX : I called again, and finally was able to reach someone which told me the application was not legible that it looked like it was scanned incorrectly. I told them that was impossible because I didn't scan the documents, I filled them out in pdf and I printed them, then mailed them. They said there was nothing they can do, I just had to do it all over again and resubmit a new application. XX/XX/year> : Filled a new application again and mailed new School Misconduct Application XXXX XXXX : Received email letter notification they received my application XXXX XXXX : I received email letter denial notification. There is no specific reason why I was denied and that their analysis is confidential. Their response is " Please understand, each application is subject to our review and discretion. A variety of criteria are used to determine eligibility, including, but not limited to, proof of resulting harm, sufficient documentation supporting your claim, date when events occurred or when you experienced harm, etc. Because we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. Navient considers a variety of factors in determining whether a private loan should be discharged based on school misconduct. That analysis is confidential and proprietary to Navient. "
Frequently Asked Questions
What is Complaint #10453570 about?
Complaint #10453570 was filed against Navient Solutions, LLC. regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2024-10-13T12:00:00-05:00.
How did Navient Solutions, LLC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Student loan) and describe your issue in detail.
Can I see other complaints against Navient Solutions, LLC.?
Yes, visit the Navient Solutions, LLC. company profile at readthecomplaint.com/company/navient-solutions-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.