Consumer complaint received 2019-01-15
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I had several student loans with Navient over the years. I was enrolled in school in XXXX and XXXX. I also filled BK CHP 11 in late XXXX. My students loans were deferred during the time I was attending school. I paid my students loans after I graduated on a monthly basis. meaning post XXXX. In late XXXX I filled CHP 11 business BK due to owning several rental homes, not credit card, car loan etc debt. Once I filled in XXXX of XXXX my attorney stated " all of your loans will be deferred and forgiving ''. My attorney did state only private students loans, not XXXX. He claimed the XXXX student loan companies would reach out after my BK and notify me by mail or email on when to start paying and how much I owe. ( never happened for my wife or I ). I wasn't trying to get out of paying these, I was never informed by Navient when and how much which I feel is not ok. It seems like Navient has this pattern as a tool to increase fees ( late, interest increased rate etc ) which is unethical. My CHP XXXX was finalized in XX/XX/XXXX and Final Decree was offered from XXXX court system. In XX/XX/XXXX I stopped paying my student loans as instructed and went through the painful BK process. I have always kept my profile up to date online with Navient.com and contact number. Per Navient I've made a late payment over the summer of XXXX. ( XXXX, XXXX and XXXX ). I can assure you this did not take place. I haven't heard from Navient since XXXX at all. Not one letter, email or phone call stating I owed any money. My attorney told me the loans were gone and I wouldn't have any more student loans. My attorney was referring to my XXXX student loans, not my XXXX student loans. My BK CHP 11 created dysfunction in the credit banking world. Since a small percentage of the public file CHP 11 my creditors weren't sure what to do. My home loans ( XXXX XXXX, XXXX etc all made the same error on reporting my payment history. I was able to get correct with my home loans over a 16 month process ( XXXX ), but resolved. I have been grossly unsuccessful with Navient. Navient has made two errors. Error number one : Per my XXXX credit report Navient shows I owe a balance. ( I paid all loans off in XX/XX/XXXX ( recorded with Navient in XX/XX/XXXX ). Error number two is Navient shows that small window in XXXX I paid 30+, 60+ and 90+ late payments which I haven't. How do I pay a bill for under XXXX dollars a month if I am not aware I owe it. I made over XXXX in XXXX and XXXX why would I not pay this monthly payment. Once I realized what was going on I paid the balance of XXXX + off immediately. I've called Navient customer service multiple times and get the run around. This company has horrible public complaints which most have the same story I do. Please force Navient to show XXXX balance and correct my false late payment history. They can't just pick a month and year I should start paying again and expect me to know what is going on. This is abusive and not ok to treat someone like this. Why does Navient have hundreds of complaints and law suits and allowed to stay in business???? 

Please review the negative comments Navient has to confirm my accusations Regards, XXXX XXXX

Company response to consumer: Closed with explanation