Student loan -- Dealing with your lender or servicer -- Complaint #7310605
Complaint Overview
Complaint ID: 7310605
Company: Navient Solutions, LLC.
Product: Student loan
Sub-Product: Private student loan
Issue: Dealing with your lender or servicer
Sub-Issue: Problem with customer service
State: New York
ZIP Code: 14075
Date Received: 2023-07-26T12:00:00-05:00
Date Sent to Company: 2023-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Navient bought my loans from Sallie Mae, sold them to a collection firm in XXXX and now I am being garnished from another collection company in XXXX XXXX called XXXXXXXX XXXX XXXXXXXX, even though part or all of these are supposed to be discharged! ( See below ) Sallie Mae has claimed private loans were sold to Navient, then Navient refuses to deal with me, as they were sold off to XXXXXXXX XXXX XXXXXXXX collections in XXXX XXXX. As per my understanding, the following has taken place and applies to me : To qualify for discharge under the Navient settlement, a private student loan must have been originated between XXXX and XXXX by Sallie Mae ( SLM Corp. ) and must have been charged off by Navient as of XX/XX/XXXX. Additionally, the loan must meet one of three conditions. The borrower at loan origination had a FICO score below XXXX and attended a for-profit school or below XXXX and attended a non-profit or public school The loan was used to attend of the for-profit schools included here under # 6. The loan originated under Sallie Maes opportunity or Recourse program. I did have a FICO score under the XXXX and attended a non-profit school within the time frame of these loans being offered. XXXXXXXX XXXX XXXXXXXX, through Sallie Mae and Navient, is still collecting on these even though this took effect over a year ago! In other words, XXXXXXXX XXXX XXXX jumped on this in XXXX, knowing this was NOT supposed to take place. Dealing with this group is very difficult. They never act forthright, use courts to intimidate and bully, collect on my pay through back door means and likely bought this debt for pennys on the dollar, yet are collecting it all!
Frequently Asked Questions
What is Complaint #7310605 about?
Complaint #7310605 was filed against Navient Solutions, LLC. regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2023-07-26T12:00:00-05:00.
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.