Consumer complaint received 2018-08-23
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have received a notice from Sallie Mae to call them about a loan. I called Sally May and XX/XX/2017 the representative I talked with had told me that we could pay a one lump sum of {$6700.00} to pay the loan off and we would be saving money on the interest. I had asked the representative if it was OK if I got back in touch with her to talk with my husband to see if we could get a loan to pay this amount and save a little money on the interest she said that was fine. I then called back on XX/XX/2017 and talked with the representative to see if we were still eligible to pay the lump sum of {$6700.00} to the Department of Education and save on interest. The representative told me that was fine she had to go over other details if we want to do payments like XXXX dollars a month I told her no we would do the lump sum payment of {$6700.00} she said that was fine so we made the payment department of education student loan deposited it. I was told that the loan is paid off and we save some money on interest. Never heard any more correspondence to this. Until my husband received a credit report and this was on there {$780.00} interest not paid regarding this loan that we did pay off. So now my husbands credit is bad. I had called to find out what was going on and they sent it to the XXXX for collections which was very unfair on the dates I spoke of XX/XX/2017 and XX/XX/2017 these messages were recorded by this organization federal loans they could go and listen to the recording. I was told by XXXX that the representative never signed off on it and now I am up to almost {$900.00} in interest if I didnt do the one lump sum and just pay the XXXX Id be paying less now theyre getting more money out of me which is not my fault or my husbands fault I sent to other children to college never had a problem theyre almost done or they are done with their bills are ready and now I am having problems with my last son this is not fair we got a loan out for the amount of {$6700.00} I have the check that the Department of Education deposited we were Told that the loan was paid in full we owe nothing now after so many months I am sent to collections agency for something that is of not my doing. I need someone to please help me with this situation Ive had hardship financial problems and I just cant afford to give money when I did nothing wrong I paid the debt and now they are trying to tell me I have to pay them more. I was told by Department of Education and by XXXX that the representative that took the payment never signed off so thats why it went into collections for the interest how is this my fault it is all on recording I paid in full if you listen to the recording you will hear that we paid for it all and fall could somebody please help me with this situation. Sincerely XXXX XXXX my email is XXXX my phone number is XXXX I would appreciate if somebody could help me with this situation thank you so much.

Company response to consumer: Closed with explanation