Date Received: 2018-10-15T00:00:00
Product: Private student loan
Issue: Dealing with your lender or servicer
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I took out a private student loan with XXXXXXXX XXXX in XX/XX/XXXX to attend the University XXXX XXXX. I’ve been in school on and off part time to full time since that time and have been in and out of in-school deferment with that loan. It was recently sold to Navient in XX/XX/XXXX when I was enrolled full-time and was in an in-school deferment. In XXXX, I was informed I would no longer be in deferment for that loan since I was not enrolled in classes over the summer and contacted Navient. They informed me my only option to avoid repaying my loan was to go into forbearance for the loan for three months until I started school. I was told I could go back into in-school deferment at that time. From XX/XX/XXXX, until XX/XX/XXXX, I was in forbearance. A payment was billed to me at the time and I started school again full-time on XX/XX/XXXX. My loan still hadn’t been put into in-school deferment as of XX/XX/XXXX, so I contacted Navient and they verified I was in school and applied for an in-school deferment. On XX/XX/XXXX, I received an e-mail stating I was not eligible for deferment with no reason given. On XX/XX/XXXX, I contacted Navient again and spoke with a specialist who informed me my deferment time had expired in XX/XX/XXXX. This is misinformation as I was told the only option I had in XXXX was to go into forbearance. Deferment should not have expired if I was forbearance or I should have been told deferment was an option.
Company: Navient Solutions, LLC.
State/Zip: CA 930XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3046590
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