Consumer complaint received 2023-06-16
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Navient, a student loan provider has been harassing me with bill collecting for a student loan. I have been in XXXX  school consistently since XXXX  working on my XXXX XXXX  and XXXX  degrees as an XXXX XXXX  in school. This is the second time Navient has engaged in unjustified harassment. Back in XXXX, they began sending me letters and bills and calling me to make payments on a student loan even though I was enrolled and attending XXXX XXXX. It wasn't until my university VP of Finance called them to confirm I was in school and still working on my XXXX. Navient argued with the VP for two hours and finally relented but it took over 2 hours on the phone on a three-way call to get it settled. Navient is again calling, harassing, and sending letters that my payments are past due, even though I graduated in XX/XX/XXXXXXXX  ( Conferred degree on XXXX XXXX XXXX ). I have contacted an attorney and it was confirmed that I have a six-month grace period that begins upon graduation confirmation. My attorney sent a letter to Navient stating such. Navient responded with a letter stating XXXX XXXX  withdrew me from the program on XXXX XXXX, XXXX, which is simply not true. I let them know this. They kept calling writing and demanding pay even though I am in the grace period. I contacted a lawyer and they sent a letter to Navient. Navient continues to send me emails and billings showing overdue payments, even though I am in the grace period. I am in the process of consolidating my student loans. Navient is showing I am past due. I want to make sure Navient 's late payments are removed from my credit report. Navient has been falsely accusing my University of statements and bullying me into paying loans while in the grace period and it is affecting my loan consolidation request and credit reports. I learned that the letter was not from the DOE, it was from aidVantage which is a Navient branch. I let my employer know what was happening, they directed me to CFPB to file this complaint and report Navient for bad faith practices. I'm concerned that they are reporting I have late payments to the credit bureau which is untrue. They are stating I owe {$840.00} and also other fees added to it and I am still in the grace period. I would like to have all of Navient 's incorrect reporting removed from my credit report. I am requesting Navient to withdraw their bully tactics and credit reports that I am late to all three credit reporting entities, XXXX, XXXX, and XXXX. In addition to their false statement about my University and my enrollment, Navient sent me a letter with a return address stating Dept. of Education informing me my loans could not be consolidated until I pay Navient in full. I would like Navient sanctioned for such bad and deceptive practices, my credit restored, and a statement that my loan repayments will remain in the grace period until six months after XXXX XXXX  's confirmation of my graduation. I would also like legal fees reimbursed for having to deal with Navient lies to clear up my status.

Company response to consumer: Closed with explanation