"At every stage of repayment, Navient chose to shortcut and deceive consumers to save on operating costs. Too many borrowers paid more for their loans because Navient illegally cheated them and today's action seeks to hold them accountable." Illinois Attorney General Lisa Madigan added, "My investigation found [the company] put student borrowers into expensive subprime loans that it knew were going to fail. Navient's actions have led to student borrowers needlessly carrying billions of dollars in debt and the company must be held accountable." The complaints allege that Navient routinely provides bad information to its customers, processes payments incorrectly, and fails to act when borrowers complain about problems. According to the complaints, Navient repeatedly misapplies or misallocates borrowers' payments and fails to correct these errors unless contacted by borrowers.