Navient Solutions, Inc. Student Loan Complaint

Navient Solutions, Inc. Student loan department,

Non-federal student loan Dealing with my lender or servicer Received bad information about my loan Nevada

Navient ( fka - - ), herein referred to as " Navient '', is reporting - private student loans which it currently services to the credit reporting agencies ( CRAs ) as severely delinquent between the period of - and -. Although a secondary issue and not at the heart of my complaint, Navient is not reporting the delinquencies consistently among the - CRAs, -, -, and - : each CRA reflects slightly different months with late payments and/or severity, despite these being the same - loans. Put plainly, not only is Navient reporting incorrect payment histories for these loans, it is also reporting them inconsistently. The primary concern with my complaint is that neither of these loans should ever have been reported as delinquent to the CRAs because I had submitted all the necessary paperwork to request an in-school deferment or forbearance of repayment before the earliest-reported delinquency was reported.


enrollment verification, which I submitted in - and then again in -. Furthermore, according to the records of the - - -, certification of my enrollment was electronically sent by them to Navient in -. During this time, in -, Navient sent me an e-mail message stating, " Congratulations, your request for deferment has been approved! '' However, this deferment was apparently never properly applied to the loans in question. If for some reason the loans were not eligible for deferment, this was never communicated to me by Navient, neither though e-mail, online statements, regular mail, or by telephone. When - arrived and I was once again enrolled as a student, I sent new requests for in-school deferments of these loans, which were processed and applied in a timely manner. This resulted in the current " delinquent '' cycle ending. However, since I was enrolled during the period of -/-/- to -/-/- ( -/-/- semester ) : these loans were eligible for in-school deferment ; I submitted my request for in-school deferment ( on two occasions ) ; Navient received third-party electronic confirmation of my enrollment via the National Student Clearinghouse in - ; Navient sent me an e-mail confirming that the deferment was approved ; Navient failed to apply the deferment to the loans during the period of - to -. Therefore, Navient needs to ( 1 ) admit to its error and correct the payment history with the CRAs to show the loans were not delinquent during this time period, or ( 2a ) it needs to offer an explanation as to why the loans were not eligible for deferment during the -/-/- semester but were eligible for deferment during the -/-/- semester, and ( 2b ) explain why, if the loans were not eligible, I received an e-mail advising me the deferment was approved, but never received any type of notification that the deferment was not going to be applied. On -/-/-, I sent a - page letter outlining ( in more detail ) the situation I described above. Along with the letter, I attached - pages of documentation, including copies of my credit reports, my request for deferment, my enrollment certification, fax logs showing successful transmission of such, the e-mail Navient sent to me stating my deferment was approved, and other related documents. On -/-/-, I received an electronic letter from Navient which stated, " Navient can not remove accurate information previously reported. '' It then asked for me to provide documentation of my dispute, such as copies of my credit reports, school enrollment information, etc. All of which I had sent.