Date Received: 2018-09-14T00:00:00
Product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: This complaint is against XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I disputed a debt by written notice by certified mail, XX/XX/2018. I have yet to receive a completed validation of the debt within the 30 days of the first request with XXXX who was attempting to collect a debt for XXXX XXXX. XXXX XXXX contacts me in writing XX/XX/2018 informing me that they reported the debt to a credit agency and that if I wanted to dispute this debt, I need to dispute it with XXXX. XXXX XXXX reported this debt without notification that a dispute was in place. XXXX and XXXX XXXX have not completed the validity of the debt request and therefore, should not have reported the debt unjustly. Furthermore, I was informed that XXXX XXXX was required to purchase the debt from Navient, and I was informed in a phone call back in late XXXX that Navient no longer owed the debt, but XXXX XXXX did, so why would I need to dispute a debt that have already been disputed in writing with XXXX and XXXX XXXX. Furthermore, I was contacted by XXXX XXXX XX/XX/2018 informing me that my employer may receive a letter notifying me of wage garnishment. I understand that XXXX XXXX transferred there loan corporation over to XXXX XXXX, so why would they contact me and threaten wage garnishment way before I was permitted to dispute the debt. This is a tactic of intimidation and deceptive in nature. XXXX XXXX failed to disclose that they are a affiliated with XXXX XXXX. These tactics of these companies are not serving consumers, but infringing upon my right and possible others. As a consumer, I am expected to follow their procedural methods to address a debt, and they should be held to the same standard. I am not at all familiar with XXXX XXXX, XXXX or XXXX XXXX until now, and I believe wholeheartedly a scam is openly occurring to damage the credit and lives of many consumers. Please assist in this debacle as it relate to wrongful and unjust credit reporting and deceptive and intimidation tactics in attempt to collect a debt and wage garnishment. I just want fairness and I’m open to what is next. Please help me to attain fairness.
Company: Navient Solutions, LLC.
State/Zip: CA 925XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3019850
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