Consumer complaint received 2018-05-16
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX my bankruptcy was discharged and I've contacted navient in XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX I also contacted them in the same months of XX/XX/XXXX to make sure all of my loans was correct. I was told that everything was still in bankruptcy stylist in XX/XX/XXXX so in XX/XX/XXXXwhen I called Everything was showing and I put everything and income-based payment plan. I was told that all of my XXXX was in income-based but then I started to receive collection calls from collection agencies for my loans I kept contact in XX/XX/XXXX I started contacting him about the collection calls I started to receive back in XX/XX/XXXXagain they reassured me that all of my loan was in income based repayment. And XX/XX/XXXXI was told the same thing so I finally asked how many loans that they have of mine and was told less than I actually have I asked navient representative to search for more of my loans because I have more loans than they had said I had. The lady searched and found that I had other loans but they were sent out and they had to repurchase. The loaf ended up getting repurchase in XX/XX/XXXX during the same months I called about my Federal loans I also called about my private loan and I was told don't worry about it they've been taken care of I asked why was I receiving statements online said that I had a bill I was told that those were incorrect don't worry about tge statments on Navient web sight i was told this in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So they sent me PDFs of new statements that said may payment was XXXX. So I left it alone for a while in XX/XX/XXXX I call Navient to check my status and told the same thing each time I'm speaking with supervisors and managers. So I put in an application for mortgage loan and found out that I was delinquent on two loan in XX/XX/XXXX. I then contacted Navi it again and ask for documentation that my loans were taken care of they then sent told me I had to contact the bankruptcy Department I contacted the bankruptcy department and left a message they returned my call three days later and told me that the information that Navient had was incorrect and a systems hadn't been updated or crossed over yet to read the actual statement of what I owed or what I have to pay. I've been contacted navient private loans again and I asked why I wasn't sent out bills, why was I told that the payments on the Navient site was incorrect and not to worry about them and that it wasn't true I was told that Navient does not send out bill and I would have to wait for a collection agency to call me I than asked for another supervior and was told on was not available and I would have to leave a message so I left a message and never received a call back. I than contacted Navient private loans again asked for a manager or supervisor and now I keep getting sent to different departments and then back to the private department. I was try to take care of the situation before the collection agency got involved back in XX/XX/XXXXnow I'm getting collection calls, I can't get my home loan, and my credit is affected. I contacted a consolidation department for loan forgiveness and threw them I was told that my loan that I supposed to be an income-based repayment plan is not and they are in forbearance I have paperwork showing that my loans are income-based but the loan forgiveness place is telling me that they are in forbearance which increases more High interest rates and makes my loan more expensive can someone please help me with this situation?

Company response to consumer: Closed with explanation