Debt collection -- Attempts to collect debt not owed -- Complaint #4515769
Complaint Overview
Complaint ID: 4515769
Company: Navient Solutions, LLC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Illinois
ZIP Code: 60153
Date Received: 2021-07-05T12:00:00-05:00
Date Sent to Company: 2021-07-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Recently I sent a correspondence to Navient Solutions LLC regarding an alleged debt. I requested validation of the alleged debt in accordance with 15 USC 1692g, ledger/journals of Navient financials and the rescission forms regarding this credit transaction. Navient failed to validate this alleged debt. I was sent statement documentation and an incomplete application with personal information ( that I did not consent to Navient having or reproducing ) none of which bared my signature. Navient did not respond to my inquiries regarding the alleged debt. I informed Navient in that correspondence that I was in fact disputing their claim and to cease all collections until they were able to validate the referenced claim. Navient continually harassed me via mailings regarding the alleged debt, did not report that this alleged debt was being disputed and reported to credit reporting agencies that this payment was 90 days late. Navient also ( without consent ) shared my information with XXXX, who also requested that I provide payment to them for the same alleged debt with a different account number. My privacy has been infringed upon. Navient failed to provide proper documentation to validate their claim. Navient 's engagement in these abusive practices has injured my mental state, my credit, and my reputation.
Frequently Asked Questions
What is Complaint #4515769 about?
Complaint #4515769 was filed against Navient Solutions, LLC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-07-05T12:00:00-05:00.
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 (Debt collection) 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.