Navient Solutions, LLC.

2019-07-18

Los Angeles, CA

Problem with a credit reporting company's investigation into an existing problem

Student loan: Federal student loan servicing

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-07-18

Palm Coast, FL

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-07-18

Los Angeles, CA

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-07-18

Katonah, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Was told that interest would not ecru because I was not able to make payments due to unemployment from years XXXX to XXXX. Then because of other financial issues I was only able to make some payments. I asked about loan forgiveness and was repeatedly told if I was in a position that qualified, which I was, I would have to be in that position for a certain amount of years. I was told this several times. I was NEVER told that I had to make 90 straight payments. I went to school late in life and am now XXXX XXXX XXXX. I have also received penalties. When I argued over the last penalty fee, because it was totally unjustified, the woman told me not to worry about it. She said it goes on the back end of the loan and I didnt have to pay it until the end! I have asked about any help, programs reduction of the interest payments etc. Not only was I lied to, I can not find a way to pay this down! It has grown an extra 5,000! I am recently recovered from XXXX and dont know how I can pay this and my other debts. Surviving on my salary is hard enough, and taking on a second job is not an option because of my health. This company has repeatedly lied to me and I dont seem to have any recourse to fight them. I dont understand how they can do this and get away with it. I thought because it was a federal loan, it would be better than a loan from my local bank. I was so wrong. Is there anyone or any program that can help me?
Company Response: Closed with explanation

Timely Response

2019-07-18

Monterey, IN

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-07-17

OH

Credit monitoring or identity theft protection services

Student loan: Federal student loan servicing

Billing dispute for services
Complaint: I was not properly notified that my student loan repayments were to begin. I regularly monitor my credit score, and discovered that my accounts were overdue when my score dropped roughly 150 points on XX/XX/19. I did not receive any correspondence via mail or phone, and due to the wording of their emails, they were sent directly to my spam folder, which I do not check. I immediately paid the amount due on XX/XX/19. When I called and spoke to a representative today, XX/XX/19, I was told that the credit report could not be removed despite inadequate notification and my prompt payment. I understand that issues with communication arise, however, my credit score should not be negatively impacted by this.
Company Response: Closed with explanation

Timely Response

2019-07-17

Philatelic Center, CA

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: My issue is with Navient, the company that inherited my private student loan from Sallie Mae. After the transfer, Navient refused to continue to defer my loans while I continue my graduate education. They temporarily placed me in a Rate Reduction Program, but changed the terms of that program at will. After making my payments faithfully for four years, they will no longer extend the Rate Reduction Program nor defer my loans while I am in school. Each time I call to request help, I am given no options to lower my payments or defer my loans.
Company Response: Closed with explanation

Timely Response

2019-07-17

Yeagertown, PA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: On XX/XX/2019 I noticed my loan payment had not been taken from my checking account. I am on what they call a reduced rate program and they auto debit my account each month. I checked to see that my account was overdue and called to find out why the money had not been taken. I was told my program ended and I was responsible for the full payment amount. I had not been provided correspondence of the end of my payment program. I was told that information was available on my monthly statements. When I rechecked my statement there was no information about the end of my program date.
Company Response: Closed with explanation

Timely Response

2019-07-17

Addicks, TX

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2019-07-17

Newnan, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: XX/XX/XXXX : I called to report financial hardship. I was placed on forbearance without informing me what they were doing, this later ended in crisis in XX/XX/XXXX by having to pay {$900.00} in interest alone. 1st.- After my call with NAVIENT on XX/XX/XXXX in regard to the request of changing my plan, the Representative redirected me to the Federal Aid website for the application. The Representative NEVER mentioned she was going to place my account on Forbearance, NEVER mentioned that this will recruit a high amount of interest. Navient has many issues related to the hidden information of their plans to its borrowers as this has happened with my account. After I was directed from Navient to the Federal Student Aid website, I submitted my Income with taxes. In fact, they required my wife to open an account for verification purposes. So, during my application on their website, I submitted my proof of income through the FSA websites. I never received any further communication from Navient asking for my Income whatsoever. 2nd When I called Navient on XX/XX/XXXX to request information for my new application for XXXX, the Navient Representative changed my status without my authorization and my knowledge. I noticed this change when I received a direct email from my Navient account that this change was made on my account. I called to report to this representative the same day I received the notification, but no one helped me to file a claim against the representative who did change my status without my consent. So, I would like to take the opportunity to request you how I can report this agent and I would like to also make a copy of this report to the Federal Student Aid agency since this was very arbitrary. I have attached to this request the ONLY NOTIFICATION received in XXXX when I requested to apply for Income-Driven Plan, but they placed me on Forbearance. And they said it is my fault because I did not send proof of Income, which is not true because The Federal Student Aid department was the one who asked me to do it for the application and I did it with them, I NEVER received a notification from Navient after XX/XX/XXXX asking for proof of my income. My application for the Income-Driven Plan was through FSA. I also attached the notification I received from Navient on XX/XX/XXXX after a Navient representative placed on Forbearance without my knowledge and consent. I noticed this change after I received the notification and made a call to Navient for correction. As you can see, there is an arbitrary behavior to place students on Forbearance without their previous knowledge. I would like Navient to provide the agents name who did this to my account and make a complaint in regard to this situation as well. Please, do not allow Navient to investigate themselves. They are going to cover their failures with excuses and blaming the student
Company Response: Closed with explanation

Timely Response

2019-07-17

MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I am enrolled an income based repayment program. I work for a XXXX and my XXXX completed the public service loan forgiveness application in 2014. I have been making payments since that time. I renew my IDR annually and I ask how much longer until my loans are forgiven at that time. Last year I was told 6 years, this year I was told XXXX years! I spoke to a supervisor XXXX XXXX who stated I was enrolled in an income based repayment program but never the Public Service Loan Forgiveness plan and XXXX doesn't even handle that type of program.
Company Response: Closed with explanation

Timely Response

2019-07-17

Jersey City, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Company Response: Closed with explanation

Timely Response

2019-07-17

Cheverly, MD

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: In XXXX, I co-signed a {$8000.00} student loan for my daughter. Until this month ( XX/XX/XXXX ), I never received any kind of statement. I was surprised to see that they started charging fees in XXXX. Also, they have started calling me relentlessly, although my daughter pays them, but she is sometimes late. Now they act like I'm the sole contact. I feel harassed. I've paid only a few times to help my daughter out. But I requested a history of the loan last month. I feel the fees and interest are excessive. It seems the loan does not diminish and they call and say the loan is past due even when I've sent 2 payments. It's always " the account is past due ''. I believe they're being deceptive. How could I know if I did not receive statements as co-owner of this loan?
Company Response: Closed with explanation

Timely Response

2019-07-17

Modesto, CA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-07-17

Hampton, VA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: From 2007 till now, it has been so difficult to get my servicer, which seems to change all the time, to lower my payments. When it is done, it is cancelled after sometime without notice, Instead I get pushed to apply for a forbearance, instead of just allowing me to continue to pay as I earn. Moneys taken out of income tax return is never seen on my account, no contact is made to let me know that money has been recieved. It is a mess. My credit is poor because of all the interests. I know I'm being mislead, and overcharged.
Company Response: Closed with explanation

Timely Response

2019-07-17

Billerica, MA

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: In XXXX my private student loans were put into a temporary repayment plan with a lowered interest rate that I qualified for because I was having some issues paying because I was out of work due to health issues. I had 2 automatic payments that Navient set up to pull from my checking account, one for my federal loans through them and one for the rest of my loans ( private ). In XXXX I found out that the Navient team member I spoke with inXX/XX/XXXX 2019 did not put the rest of my loans into the other payment as we discussed, but only 2 of them so I had 2 loans that had not been paid from XXXX. I called and spoke to that same employee on Wednesday XX/XX/2019.XX/XX/XXXX She told me that he manager was out and would need to listen to the conversation recording from when it was set up ( only management has access ) when she returned to the office on Thursday XX/XX/2019 and it should be resolved by the next day Friday XX/XX/2019 and that if it was in fact Navients fault ( the Navient team member also specifically said her fault since she was the one I initially spoke with in XXXX ) Navient would bring the loans current. I did not hear anything on Friday or the following Monday, but on Tuesday morning XX/XX/2019 my father and co-signer received a letter in the mail that legal action was going to be brought against him for the unpaid loan amounts, despite the fact that I was actively working on getting the situation resolved. I called Navient immediately and spoke to another manager. The manger was very rude to begin with and never let me complete a sentence. I had to ask him to stop speaking over me and listen to me complete my full thought before responding. It a appeared that absolutely no research had been done into finding a resolution to the issue and the manager I spoke with, XXXX, told me that I would need to pay the back money even if it was Navients mistake. I told him that if it was a service issue where an employee of his company made an error a customer should not be penalized. My father in the meantime called and made the payment afraid of legal and credit rating issues. I asked them to refund my father and they refused. I was told they would look into it and get back to me. I asked for a call back by the end of the day. I was told it takes 3-5 business days. It had already been a week since I had first call so I said it had been 3-5 business days so again I would appreciate a call by the end of business today. I did not receive a call back. But another manager did call my father an additional time yesterday to ask him once again to pay the money that 1. I am actively working on getting resolved if they read any of the notes on my account and 2. He had already paid earlier that morning and I was trying to get it refunded to him. Ive had nothing but issues with my student loans since I started paying them back but this situation is ridiculous. Theyre harassing my father. Theyre telling me different stories depending on who Im talking to. Theyre expecting me to have to pay for their mistakes. This is not how a business is run. I called today XX/XX/19to follow up because I want my father refunded and this resolved as soon as possible but I was told I couldnt speak to the person I spoke to yesterday because he was eating lunch. I understand you have to have your lunch break, but what type of corporation is so unprofessional that they actually share that type of information with customers. I asked to speak with the managers supervisor but I was told they dont take calls. Theyll call you every day if they want your money, but when theyve made an error, which I can forgive because we are all humans, they cant even give a call back to even say we are working on it to give some type of Customer Service when Im clearly very upset and trying my absolute best to get it resolved ASAP. This is the worst company Ive ever done any business with either personally or professionally.
Company Response: Closed with explanation

Timely Response

2019-07-17

Bohemia, NY

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Company Response: Closed with explanation

Timely Response

2019-07-17

Stafford, CT

False statements or representation

Debt collection: Federal student loan debt

Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation

Timely Response

2019-07-17

IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: In XX/XX/2019, Navient switched my loan repayment from paper billing ( receiving a paper bill in the mail every month ) to some type of online billing for 2 loans. Prior to this switch, I made all of my loan payments on time. Two loans were not switched to online billing and I have continued to receive paper statements and make those payments on time. I did not initiate the change in billing. After being contacted numerous times by telephone regarding late payments, I investigated and contacted them at one of their toll-free numbers. I was informed that the online notices were going to two email addresses that were no longer valid -- one was several years old and one was a couple of years old. I requested that I begin receiving the paper statements again, immediately. I was told on three occasions -- once in XX/XX/2019 and twice in XX/XX/2019 -- that I would be switched immediately. I also received a weird form letter from Navient after the first call that indicated I had never been switched off paper billing. They continue to call and harass me daily for payments, but have never switched me back to paper billing.
Company Response: Closed with explanation

Timely Response

2019-07-17

TN

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I am on XXXX XXXX due to several health issues since 2005 and am completely unable to work. My only source of income is my Social Security XXXX check I receive on or about the XXXX of every month and can barely afford to pay my bills as well as purchasing food to eat. I am in severe pain every day and have no quality of life. I get at least 7 or more phone calls from Navient every day and have tried to work something out with them.but due to my loan being a Private one known as XXXX they refuse to work with me in any way at all, have no empathy or regard for their customers and have lied to me and deceived me for years about all kinds of issues related to my Student Loan which I have brought down to a balance of about {$10000.00} or very close to it. They just our right will not work with me in any way no matter what and was one of the people that was deceived by saying I could file for XXXXXXXX XXXX XXXX XXXX to get the Loan forgiven, even mailing me the paperwork that I filled out and promptly returned but when I asked about the status was told that they could not even find the paperwork and had no idea what happened to it. I continued to request Navient to send me the Loan Forgiveness due to XXXX XXXX XXXX XXXX at least 10 times or maybe more periodically but either failed to be mailed the paperwork or was lied to by being told that they could not find the filled out and mailed in paperwork I sent to them. They failed to be able to provide me with any kind of excuse of what happened to the paperwork I mailed them at all so I truly believe that it was either thrown away or shredded and will continue to believe that. I have been treated like trash and talked to in a very condescending manner as well as being told that they would not work with me. I know there have been many Class Action Lawsuits filed against Navient that I out of anyone should have been included in but I was never even notified, why? I have no idea at all but have been very angry about it because of everything I have been through with Navient! I live in XXXX, Tennessee and would like to file a Class Action Lawsuit of my own by myself because being on Social Security XXXX does not afford me the option of hiring an attorney to help me unfortunately. I am a very dedicated, intelligent and capable guy that pays attention to detail and am committed to filling out all the paperwork required, calling whatever resources I need to, meticulously reading and making positively sure that I do not miss one single detail I need to take care of to make sure I do this correctly. The only thing is I have never filled a Class Action Lawsuit before and need help making sure I do not miss anything as well as being very appreciative for any advice or information you can provide me. Here are some details of how to get in touch with me any any other information you may need. Thank you so much!! Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Tennessee XXXX Phone # : XXXX Email address : XXXX Or XXXX If you need any other information from me please feel free to ask. Thanks again!!
Company Response: Closed with explanation

Timely Response

2019-07-17

WA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I asked for a delay in payments. it was granted. late payments were reported during delay.
Company Response: Closed with explanation

Timely Response

2019-07-17

VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I feel that Navient has led me over several years to continue forbearance and deferments instead of trying to help me get a payments that I can affordable handle
Company Response: Closed with explanation

Timely Response

2019-07-17

La Vernia, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: Navient is my student loan servicer and I enrolled in the income driven repayment plan. My initial payment was {$93.00} which was super manageable. I enrolled in auto pay so that I would not miss any payments. I was advised by customer that my plan could be reevaluated and/or I could select another option for repayment as needed annually. The customer service rep said Navient works with every budget so borrowers do not default or end up with unmanageable payments. In XXXX, I earned more than I did in XXXX and my payment is scheduled to jump from {$93.00} to almost {$600.00}. I did receive a raise, but that income also reflects repaid expenses for regular business travel, etc. Also reflected in that income is a massive vacation payout for hours that would not roll over into XXXX. Total income for XXXX isn't an accurate picture of my salary. Also, I only received this notification of the new payment on the Navient online system which could easily have been overlooked. I think it was designed to be overlooked, in fact. I immediately opted out of auto pay and ONLY then did I receive an email from Navient letting me know they were reviewing my request and would let me know if opting out of auto pay would be approved. I immediately called customer service and was told that my only option was forbearance so I applied. I was told that this would help me be approved for opting out of auto pay so that my account was not likely to be drafted. I was shocked. I removed all banking information from my Navient account but I do not trust that they will not deduct the new payment amount on XX/XX/XXXX. When I tried to explain my finances to the rep, she suggested that I claim a dependent to bring down my payment. I told her I don't have any dependents and she then said the lowest amount she could reduce my payment to would be {$360.00}. I said where did that arbitrary amount come from and she couldn't answer me. I told her that I had calculated that the payment would be closer to {$150.00} or {$200.00} which would still be manageable. I asked about all the options I was told I would have originally and she had no answer. I can not afford the two options she offered and need help to either restore what I was paying previously or a payment that is not more than {$200.00}. That is the max I can do! I also do not want to be in forced forbearance because Navient isn't giving me any workable options for repayment.
Company Response: Closed with explanation

Timely Response

2019-07-17

Ancho, NM

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I XXXX XXXX XXXX have earned my XXXX Degree XXXX GPA at XXXX XXXX XXXXXXXX, I began my XXXX Degree at XXXX University XXXX GPA, ( Left due to teachers consistently got upset because I had to remind them to post my earned/noted grades into the online grade book ), and continued my XXXX Degree pass completion at XXXX University ( Student # XXXX XX/XX/XXXX-XX/XX/XXXX ). XXXXU has refused to release my XXXX degree and transcript for employment, which has prevented me from gaining stable teaching, probation, and parole officer jobs which I most recently applied, etc. XXXXU has also prolonged me paying off an accurate amount for the student loan due ; because I have no XXXXU transcript upon request to be sent to employers when I submit the online request to be distributed official or nonofficial transcript from the university. I also to repeatedly remind their teachers to enter earned/noted grades to the online grade book before/after classes started/ended.I was eventually prompted to track numerous fraudulent changes to my degree audit.Navient Unpaid Principal : {$68000.00} Unpaid Interest : $ XXXXInterest accrues daily ( {$15000.00} XXXXU added on for their insisted required extra classes-Told XX/XX/XXXX ) I was prompted to write this letter after it was confirmed to me that again an employer never received my online requested transcript. After numerous phone transfers, XX/XX/XXXX financial advisor transferred me back to XXXXU financial advisor manager XXXX after she hung up on me once I stated my name. The initial financial advisor confirmed that my total degree audit credits had been depleted again from XXXX credits on of my last printed copy to XXXX claimed total amount of credits earned sometime around XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. They keep secretly decreasing my credit total amounts earned but no reduction to the claimed fraudulent balance owed, or inaccurate GPA. Although, the financial advisor manager XXXX would only state that he wasnt supposed to tell me nothing, as she insisted on only updating my address which I repeated did not change, so she didnt want to discuss my account. My online access is locked and blocked again from me to this day and IT help desk simply because they dont want me to see they are still attempting to make my degree audit look accurate so XXXXU wont look as fraudulent for padding it with previously passed classes from the 2 two prior universities I attended listed above.I am requesting an independent investigation in reference to XXXXU 's fraudulent and unlawful common illegal manipulated strategic practices and intentional financial discrepancies for the institutions financial gains. I sent initial complaints to Texas Department of Education to XXXX XXXX ( Who corresponded that I complained too early and too late ). At the time of my complaints ( High admin turnover while I attended ) XXXXUs XXXX XXXX president, XXXX XXXX vice president, XXXX XXXX director of student affairs, XXXX XXXX enrollment counselor, XXXX XXXX and XXXX XXXX finance director/XXXX director both insisted in email attached that I repeat classes that I communicated repeatedly I passed in my XXXX degree program and at the beginning of my XXXX program, and XXXX XXXX of Texas Department of Education, fail to recognize this matter is not closed due to my deliberately hard earned education as well as financial situation matters. XXXXU knew exactly what they were doing that is also the reason my fraudulent expected graduation date was XX/XX/XXXX ( though I only needed XXXX credits to complete the XXXX program ) XXXX XXXX XXXX director stated to me, " The expected graduation date is XX/XX/XXXX in order to prevent a limited scheduled amount of money from student loan agencies/ student financial aid, to access all available funds ; with claims to the student loan agencies/financial aids of it taking 8 years for a student to complete the XXXX program. But a law was changed and they corresponded that I owed the college calculated and unexpected funds outside of financial aid and initial loans previously agreed upon, so a {$1500.00} semester scholarship that was offered disappeared. So, this is one of the reasons XXXXU has refused to release my transcript and degree. I have honestly earned my XXXX degree w/over XXXX credits for a XXXX credit program XXXXU continues to randomly and quietly deplete credits just to make their documents look accurate, ( I have numerous degree audit copies to prove it ). There is a tremendous amount of proof in my XXXXU email box XXXX as well. I endured and complied with email proof request to retake the numerous additional doubling up of classes taking 4 classes per semester instead of 2 from approximately XX/XX/XXXX to XX/XX/XXXX. I insisted on doubling up because I got tire of going back and forth with XXXX XXXX and XXXX XXXX finance director/ XXXX director and I made sure they knew that I had previously taken the 10 extra classes. They still again added more previously passed classes XX/XX/XXXX simply because I completed all posted classes again. XXXXU faculty only continued to post classes previously again passed with A/Bs to populate in online catalog for my selection ( As a common fraudulent practice it appears for the university to later say I selected classes previously taken on my own ; knowing there was nothing that I had not taken listed and that is the sole reason I stopped taking classes XX/XX/XXXX ). I also have email proof persisting that I take the classes, but the Texas Board of Education claimed they refused to read or accept it. When it was XXXXUs student affairs who clued to me that I initially had a problem with the XX/XX/XXXX10 blocked classes which could for some reason only be unblocked not by IT help desk, but by XXXX XXXX enrollment counselor who persisted to offer me a free dinner at an expensive restaurant in XXXX XXXX, instead of my continued education as I ignored her. No matter how I explained to her and other faculties I had previously taken all the classes on my degree audit and in their catalog listings. I have numerous XXXXU revised degree audits w/o my knowledge or permission attached that displays repeated systematic changes of corrections because the university was wrong over and over again, attempting to make things look right per my complaints. XXXXU insisted on manipulating my GPA which they refused repeatedly to share with me while I was a student, and expected graduation date XX/XX/XXXX although I began XX/XX/XXXX. XXXXU who claims not to be WRONG arrogantly, repeatedly, and commonly corrected, revised, or just totally changed my degree audits by also untransferring classes from my official transcript/reposting them requiring for me to retake although passed in XXXX program on XXXX XXXX XXXX official transcript or initial XXXX program from XXXXU official transcripts that they received w/only choices of classes previously taken and passed, then to now reverse the classes to appear legit with claims of me selecting duplicate classes. Clearly and initially the problem was XXXXU did not have enough classes or instructors for me to take XX/XX/XXXX and all posted classes listed on my degree audit had been completed, which was found on both official college transcripts. Fraudulent XXXXU like to talk in circlesSome classes listed on their catalog had nothing to do with XXXX, wrong classes they claim I took they label as extra credits but can't count as a capstone or final class ; but the only capstone classes I had listed on the catalog and degree audit again I had previously passed in my XXXX XXXX program at XXXX XXXX XXXX and each time I would mention this they would change it to another duplicate class from one of my official transcripts, hoping I would not notice. Every time, I forwarded new accurate proof to the Board of EducationXXXXU the college commonly revised all contradictions of false statements and inaccuracies of padding my degree audits with previously passed classes from my past college transcripts for compromised visible accuracy. These types of common practices only benefited XXXXU due to them completely running out of classes and instructors for me XX/XX/XXXX listed on my general XXXX concentration attached. Instead of their curriculum being XXXX credits to graduate like XXXX XXXX XXXXXXXX and XXXXU the identical curriculum and classes scheduled unlawfully requires a initially hidden 180 credits ( Which conveniently changed ) to complete the XXXX program as they stole previously passed classes from my official transcripts, whether they were included in my general XXXX concentration or not. Surely these are not an isolated incident they are just fraudulent. The XXXX classes that XXXXU requested for me to take before/after XX/XX/XXXX consist of classes which has already been again taken and passed during my XXXX Degree program when I previously attended XXXX XXXX XXXXXXXXXXXX. Also, I have taken all of my religious courses and then some at XXXXU which were previously accepted as transfers at XXXXU, but they deemed it convenient to untransfer/ unapproved and add to my XXXX program due to again they ran out of classes and instructors for my general XXXX concentrationHowever, I have received several degree audit communications which fail to include all hours which I accrued. According to all transcripts, I have taken and completed classes amounting to XXXX ( Now changed again to XXXX w/no failed classes ) credit hours after I noticed I needed to track the manipulated degree audit changes. The required number of hours for a XXXX degree is XXXX, but initially XXXX. ( See attachments included )
Company Response: Closed with explanation

Timely Response

2019-07-17

Cheverly, MD

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with explanation

Timely Response