Learn your options to get your voice heard and make Navient pay
Do you have an issue with Navient? Maybe their customer service hasn’t been able to solve your complaint leaving you feeling a little hopeless. You might want compensation for fraudulent sales tactics, an undeserved impact to your credit score, illegal charges, or a collections issue. Whatever the case might be, you might want to know how to sue Navient, desperate for them to just say that they were wrong and offer to fix it.
Navient has received quite a bit of publicity as states likeWashington, California, Illinois, Pennsylvania, and Mississippi have called them out on their deceptive practices and initiated class action lawsuits against their student loan tactics. Whether or not you have a student loan with them, you still might not be receiving fair treatment. Here are your options:
File a Claim with the Consumer Financial Protection Bureau (CFPB)
The US Consumer Financial Protection Bureau has claims that Navient has, among other things, misallocated payments, provided unclear information about things like cosigner releases and income-driven repayment plans, and steered struggling borrowers toward things like forbearances instead of repayment plans based on income.
Whether your issue with them falls under these categories or simply something as simple as a fraudulent charge or unnecessary charge on your account that they keep ignoring, you can file your own claim against Navient through the CFPB here.
File a Claim against Navient in Small Claims Court
You have to determine if your situation qualifies. Not just anyone can sue in small claims court. There is typically a small claims court limit between $5,000 and $10,000 but certain States go as low as $2,500. If your problem is worth more or less than this amount, you’ll have to use consumer arbitration.
If your issue falls under the small claims court limit, this is a great option to pursue as it is significantly faster and easier than other litigation but it can still take a few months or longer.
Every state has similar requirements and they almost all start with a demand letter.
If your state requires the demand letter it just means you have to ask Navient to fix your problem before you file your claim officially.
Send Navient your demand letter. This can be as simple as telling them who you are, and don’t forget to include your contact information and account information, what your issue is, and how you want them to fix it. This doesn’t have to be overly complicated but you do have to mail a hard copy to the company preferably using certified mail or some other option that gives you a delivery confirmation. Send it to:
Navient Solutions, LLC
CORPORATION SERVICE COMPANY
251 LITTLE FALLS DRIVE
WILMINGTON, DE 19808*
*Note: The address you should use will be listed in your individual subscriber agreement.
Use Independent Arbitration to Settle Your Complaint Against Navient
Your contract with Navient probably limits your ability to file an official legal complaint or take part in a class action lawsuit. This is quite common for large corporations and it doesn’t mean you’re helpless. You still have the option of taking your complaint to small claims court or consumer arbitration.
If for some reason you aren’t able to use small claims court or you simply don’t want to try and struggle through the process alone, you can use consumer arbitration, an arbitration process.
This is perfect for someone who falls outside the small claims court limit for monetary compensation or just wants help generating the required documents. Sometimes all it takes is having someone on your team.
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