Student loan -- Dealing with your lender or servicer -- Complaint #7107194
Complaint Overview
Complaint ID: 7107194
Company: Navient Solutions, LLC.
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-Issue: Trouble with how payments are being handled
State: Tennessee
ZIP Code: 379XX
Date Received: 2023-06-12T12:00:00-05:00
Date Sent to Company: 2023-06-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a spousal consolidation FFEL through Navient with my husband as the co-signer. We opened account in XXXX, still married, and have been paying every bill until we were granted administrative forbearance in XX/XX/XXXX while we wait for Federal Student Aid to implement a way for us to separate our loans. Our forbearance has been extended 2 times, 60-days, and will come to an end soon. In our case, we have both worked at US public higher education institutions since XXXX, and we qualify for PSLF under the limited waiver that ended XX/XX/XXXX. We have submitted what we had to by the waiver deadline, and other have confirmation from Federal Student Aid that they have received what we needed to submit to them. In XX/XX/XXXX Federal Student Aid announced that the procedures regarding separating spousal loans will not be put into place until end of XXXX, and loan holders are encouraged to contact their servicer to obtain forbearances. Navient apparently created a company-wide policy for not allowing administrative forbearances for FFEL joint consolidation holder because Navient is waiting for a direct communication from Federal Student Aid. On the phone and through chat communications ( on XX/XX/XXXX ), Navient would not tell me what form of communication they are waiting to receive from Federal Student Aid, and when I asked whether they need communication regarding my account or a general communication they told me general communication. I have attached the chat transcript. I filed a complaint with the Federal Student Aid Ombudsman 's Office on XX/XX/XXXX, and they have already closed my case without communicating with me an outcome ( Feedback Case # XXXX ). I called FSA ombuds and they told me that my name is now on a special list, and that the information on https : //studentaid.gov/announcements-events/joint-consolidation-loans is the direct communication to loan servicers. It seems conversations between Navient and FSA are going into a never ending cycle, and as a consumer we are caught in the middle with the least power to move things in a manner to be treated fairly.
Frequently Asked Questions
What is Complaint #7107194 about?
Complaint #7107194 was filed against Navient Solutions, LLC. regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2023-06-12T12:00:00-05:00.
How did Navient Solutions, LLC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.