Consumer complaint received 2018-04-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Naviant Dispute Im a middle aged XXXX male ( XXXX XXXX   ) .I put this in the letter, because the companies that I am complaining about, Navient, Sallie Mae , and XXXX XXXX all know this ; so why shouldnt you? Consequently, I believe this to be the primary reason for the unlawful and predatory treatment that I have received from these companies. I am and have been illegally garnished by Navient Post Claims Assistance ; they have attacked me and my wages, using criminal, intimidating and unethical tactics, they are supposed to be one of the governments guardian companies, a gateway to building a better life ; but instead this company is using illegal means, to keep my student loans in default. I have tried many times to get out of default, but Navient keeps finding new and innovative ways to stop me from attaining this goal every time. Navient has used numerous means of keeping me out of the government aided programs that have been placed for poverty level citizens, like me. I think that you should know that I work for a non-profit company, and I have been employed by them for the last seven years ; this means that I qualify for student loan forgiveness. I work to better our community.

In the XX/XX/XXXXI received about 8,000 dollars in unsubsidized student loans ; I was slightly above the level of poverty needed to get subsidized loans or grants for college. Over the years I have been in numerous programs to pay back my student loans, but they are always too expensive : I have XXXX  kids to support! I have been in and out of garnishment since XX/XX/XXXX, the original garnishment was for 15 % of my pay ; Im now paying about 33 % of my pay in garnishment, plus family insurance, and taxes : I cant survive, and these companies knowingly keep dealing the punishment. I have been exceedingly and unlawfully bullied by this company and its affiliates, for far too long ; they have used unethical and illegal ways to continuously inflict punishment on me. These companies have pursued me unrelentlessly, which has consequently caused me a lot of public persecution and mental anguish. I have nightmares worrying about what they will do to me next, what other laws they will break so that they can to inflict more punishment ; this company has punished me in every way that they can find. Criminals continuously find new ways to break the laws, they have to stay ahead of the authorities to avoid jail, thats how they stay in business ; deceitfulness is the key. There are millions of Americans that get away with never having to pay back student loans, why do they consistently pursue me? I borrowed XXXX XXXX dollars, more than twenty-five years ago. They are charging me more than forty thousand dollars, counting the interest that they have added on ; with all the payments ( through the years ) that I have made toward rectifying this account ; they arent taking anything off of the principle, I am paying for all the people that have let slip through their hands. I will never get out of their debt ; I am paying on a bill that will never get paid off. I feel like I am being pimped, I go to work and they get paid for the work that I do. Its like they own me, every time I get paid, they get paid. I cant make a dollar, without these companies getting some of it! I think its modern day slavery, oh thats right ; slavery was abolished ; wasnt it? It doesnt feel like it, I have chains around my neck, hands, and ankles ; I truly understand what it feels like to be owned.

I have entered and been kicked out of the once in a lifetime program for student loan rehabilitation, twice ( Ha! Ha! Ha! ) And recently they offered it to me again, to me that am the same as admitting guilt. Every time that I get close to finishing it, there company makes up new ways of kicking me out of the program which was designed to help me get out of default. Default for lower income citizen means no credit, no loans, and garnishment on top of that, which means no spare money, its not fair. I work hard for what little money that I make. Navient keeps finding new ways to impose newer and harsher punishment, they are standing on my neck, how I can get up with that type of weight on me ; they are a corporation of bullies. Not anymore, its time I stand up to my bullies! Bullying can only be done behind the scenes ; when a bully is exposed, it takes away their power ; well, if no one else is brave enough to shine a light on them, than I am. In America, Navient is one of this nations biggest and cruelest corporations, of our history ; that's why this company and Sallie Mae have so many class action suits against them. I put this statement in the letter, so that you would know that Im not in a line by myself. I enrolled in one of the newer rehabilitation programs, which was set by our United States Government, to help people get out from under disabling companies, like these Sallie Mae and Navient are the two biggest student loan companies in America. To enter this program you had to be of low or inadequate income, to meet the eligibility requirements ; I meet the required income level to participate in this program. The program stated that if you made ten months, consecutively ; of five dollar a month payments, you would be eligible to get your student loans out of default. I accepted the terms and signed up to enter the program. After the first five payments of five dollars a month, your garnishment would be lifted, and then you would be able to enter another part of the program that allows you to rehabilitate the student loans, at an affordable rate. In this part of the program you would no longer be in default, and you would actually be paying off the student loans. I was quoted about forty-five dollars a month for ten years, in that part, but there branches cant touch you until you are declared out of default. I want to pay off my student loans, the government finally made it possible for a person ( such as myself ), to be able to afford to pay them off, and not have to live in a cardboard box on the streets, to do so.

Unfortunately, there is an oversized bully blocking my path to rehabilitation, this company wants to be a part of the problem ; they dont want to be a part of the solution, they are enablers. I want to be in good standings with my student loans and the government, I want the American dream which is to have good credit, so that you can do anything that you can afford, and have the things you want. Naviant is stopping me from attaining my dream : I didnt break any laws, this has happened because I sought higher education. This company is getting very rich punishing people, American citizens, with a microscopic lens on the XXXX XXXX borrowers. If I had known what problems these loans were going to cause, I would have never applied for them, higher education would have had to happen another way, which is the way that most Americans operate today, under educated, and self-taught people ; that wont take out student loans because they dont want to become enslaved to the banking industry. These three companies have targeted many of its XXXX consumers, they havent moved into the twentieth century, yet. XXXX people should have equal rights ; statistically, the banking industry imposes stiffer penalties and higher interest rates on its XXXX consumer : Navient, Sallie Mae, and XXXX XXXX   each have reputations for these types of practices. The student loans that are given out to XXXX students, statistically, have much higher interest rates than that of Caucasian students. Why? There is no logical explanation for this type of treatment today ; the constitution says, That all men are created equal. XXXX XXXX   consumers have the right to an education, of equal cost, and the opportunity to be educated wherever you can afford to attend. We fought long and hard to get these rights, lots of lives have been lost, so that, I would have these rights : Society has accepted this, why cant they? I thought this country was passed the old Jim Crow laws ; this is another angle towards slavery, if you never get out of debt, you cant be free of the burden. Maybe these companies didnt get the memo ; slavery is over people, let it go!

Navient started garnishment of my pay in XX/XX/XXXX, I called them to find out how I could stop the garnishment, and they quickly passed me on to XXXX XXXX. I called and spoke with a representative of the XXXX XXXX collections team XX/XX/XXXX, they were the ones in charge of collection of the garnishment. I made my first XXXX dollar payment on XX/XX/XXXX, and my second XXXX dollar payment on XX/XX/XXXX ; I had to make two XXXX   dollar payments in order to start the process of setting me up on a plan, so that I could start the rehabilitation process. These were the first payments, I thought that I was on my way to a bettering my situation and my life. The woman I had spoken with at XXXX XXXX, told me to get a XXXX dollar pre-paid XXXX  card and have all the payments come off of that automatically ( she said this was what all of her other clients did ). I went out and got the card as soon as I got paid, and I made my first XXXX  dollar payment on the account. Unfortunately, I had been misinformed she misquoted some of the schematics of the program during our conversation ; I was mislead which caused confusion. She told me after the first five payments I would be taken out of garnishment, and that they would contact me ( via US mail ), to let me know what the next steps in the process of the program would be. Our conversation mislead me, it also got me kicked out of their program : I complained, I told them to listen to our conversation ( it was a recorded call ) so they would hear where I had been misinformed by their representative. They agreed I was told that the conversation was miss leading, so the company allowed me to start the once in a lifetime program, again. I was supposed to make ten consecutive payments to complete their part of the program, but she had told me to get a XXXX dollar card, which only covered the first five months of the program, it wasnt enough to cover the whole program. I waited for them to contact me, but they never did : I soon found out why, the garnishment started all over again. Navient let me back in the program again, but I had to start it all over. Ground zero, a new garnishment, the start of the program ( at the beginning ), all over again ; it was unethical, but I was happy they gave me another opportunity, a second chance to do this program over.

On XX/XX/XXXX I made my first payment, and the second on XX/XX/XXXX of XXXX dollars. I was determined not to let this sinerial happen to me again. I bought an XXXX  dollar pre-paid XXXX ( non-reloadable ). I made sure, I had more than enough money to cover the cost for this program ; I knew that what Navient had done the first time was illegal, and I was determined not to give them the opportunity to do that to me again. I set the payments up to be automatically deducted ( as I had done previously ) ; there was exceedingly more money on the card, I only needed to cover the cost of the ten monthly payments of XXXX dollars a month, I wanted to make sure that I would not have any problem making these payments. I kept making payments and getting garnished, I was quickly approaching month five, thats when the garnishment would be lifted. I was told to call Navient on XX/XX/XXXX, to make sure they would stop the garnishment. I made the call, but they didnt stop the garnishment as they were supposed to. This company continued to garnish me more than {$990.00} to much ; this is how much the refund check they sent me was for, I was overcharged. I was a happy camper I had a refund from the company that has been taking most of my earnings and garnishment stopped, yeah!

What happened from here was like a scene out of some kind of espionage/ spy movie ; I couldnt have written this. I did everything that I was supposed to ; my payments were being made on the XXXX  of every month, as they were supposed to be : I was on time and on track to finish ; I was almost out of default. I had four payments of XXXX dollar left. In the beginning of XX/XX/XXXX, I called Navient to make sure that everything was going according to plan ( I was compliant, I dotted my Is and crossed my Ts ) : I talked to XXXX   a customer service agent ; he assured me that I was on track, I was set to have another automatic payment getting ready to come off of the XXXX  on the XX/XX/XXXX. The XX/XX/XXXXpayment came off of the card, as it was supposed to, on XX/XX/XXXX. I called XXXX XXXX in the beginning of XX/XX/XXXX to make sure that I was on track ( I didnt want them finding any issues ). They dont send receipts, this company doesnt let you know anything, you have no idea what was going on with your payments, or your account ; except for the garnishments, they consistently took the garnishments : They dont have to answer to anyone, they are above the law ; at least this is the way they act. The representative told me, I was on track everything was going good ; In the beginning of XX/XX/XXXX I called XXXX XXXX   again, I wanted to make sure that I would have another payment coming out on XX/XX/XXXX ( automatically ), just relax sir ; you are on track to finish. On XX/XX/XXXX Navient pulled my account from XXXX XXXX, there was no notification ; I didnt know it had happened. It was an intentional ploy to put me back in garnishment, an illegal technique that worked. There lawyers filed for the garnishment to start again, before I even found out that my automatic payment had been missed. You can tell this company has done this to other people, the crime was premeditated. During slavery days the master cut off the foot of the resistant slaves ; this was to keep them from running away, I think this was their intention. I will never be free master is keeping me chained up.

Navient supposedly fired XXXX XXXX ( XXXX ), and XXXX XXXX XXXX   took over my account on XX/XX/XXXX. I didnt know that my account had been switched to another company ; by law XXXX cant continue take my automatic payment, and they cant give my card information to XXXX ( which I bet is an affiliate company ), I didnt know that either. Navient blatantly played with the law, and because of this I was kicked out of the program again. There was no way that they could notify me by mail in the time necessary, so that I could change my account ( XXXX- automatic payments ) from one debt collector to the other in the time necessary to make that XX/XX/XXXX payment. I was sabotaged, this company boldly manipulated my rights, and the laws of the land : Navient also tried to make me look like the guilty party, and it worked, my garnishment started over again. I operate by the laws of this United States, why shouldnt they? I have included a copy of the Non-reloadable XXXX that was on file with XXXX XXXX   you will see that it still has a {$44.00} balance on it. There was no reason for me to miss that payment, or any of the other payments necessary to finish this program. When I called to find out what had happened there representatives were super mean to me, almost indignant, very, very unprofessional, disrespectful, and degrading. This was an intentional and fraudulent action, and I am the victim of the crime committed. I want restitution, I want a resolution, and I want my money back! I want to be done with this company and the persecuting and unethical ways they do business. I would love to be able to deal with an honest company that operates within the laws of the land : I do! Im not trying to run from my debt, Im just tired of dealing with a governmental loan shark. This company and its affiliates have imprisoned me, life without parole! If I dont say anything, theyll garnish me until the whole loan is paid off : Oh thats right I am only paying on the interest, I will never get to the principal. They have no right to the money that they are taking from me ; they committed fraud to get it, in fact, offering the opportunity for me to do the program again is an admission of guilt. During this process, I had conversations with the representative of their companies ; the conversations were recorded, I had to talk to two and sometimes three people. I have the records of these calls ; the names, times, representatives, and dates of all conversations. Please notify me if you need any of this information, I am willing to be a part and or active participant in this investigation. I say investigation, because laws of this land say, that if you are the victim of a crime, you have a right for that crime to be investigated, I want an investigation. They started garnishing me again ; I called Navient to find out what was going on. I was informed that I had missed a payment. The way that they changed companies, all of a sudden, it was an intentional act. I am paying for their indiscretions ; I complained ( research ticket # XXXX ). I talked to XXXX, Escalations team representative on XX/XX/XXXX she was very nice ( I had dealt with her on the first ticket ), but her boss was very nasty and argumentative, it was XXXX manager, she wouldnt give me her name. These representatives felt as though a call from a new collections company, that I had no idea was involved in this process, was all the notification that I needed.

Navient kept the garnishment in place ; I am garnished about {$340.00} dollars every two weeks. I have been garnished unfairly for the last year XX/XX/XXXX to the current date XX/XX/XXXX. I could understand this punishment, if I had not been compliant, but I was. I followed the plan exactly ; I did what I was supposed too! It was a predatory act ; I have more than paid this company what I owe them. They arent even taking any of the money that is being taken from me, off of the principle of this loan ; I have already paid back more than I borrowed its as though I am paying nothing, what a nightmare! I am a firm believer, that crime doesnt pay ; but after what this company has done to me and allot of other American consumers, its truly hard to keep believing this. This company has a tremendous amount of class action suits against it ; I wonder how many of them are because of ethnicity, I bet more than half statistically. I truly believe if I wasnt XXXX XXXX XXXX that they wouldnt have taken the same approach with my account that they have taken. It is my firm belief that I have been discriminated against based on my race ( color ). I am a XXXX XXXX, and very proud of it, I have endured the racism and bigotry of this country throughout my life, some of that will always be there. I am immune to most of it, history has harden me, but what these companies have done ( Sally Mae included ), has bought our past ; very blatantly to our present! I feel like they are treating me, as master would treat a smart XXXX XXXX, they took me out to the shed and gave me a good beating. Please check the statistics, I guarantee many other XXXX consumers have claims against them, very similar to the reasons that I have given, just like mines. These people have endured the same journey that I am enduring ; Im sure that I am just one person, in long line of people with skin just like mine.

XXXX XXXX and Navient have used the ambulance chasing lawyers and unethical collections officers that they employ ; to create very specific gray areas in between the XXXX and white writings of the laws of our land. They have done this to commit very calculated, illegal and predatory crimes ; I am one of the victims of these crimes. I was unlawfully kick out of a payment program that I would have successfully finished ( I didnt fail to make the payment on time ; they changed the company that I had to make the payment too ). I had three more automatic payments to make, I had already made six consecutive ( on time ) payments of XXXX  dollars a month ; this is the criteria for the program. The new collections company, referred me to Navient, which referred me to XXXX XXXX ; we were trying to get to the bottom of the new garnishment. Once I explained to them that I was set up on automatic payments, plus I still had the card to prove that I was being honest : I still have the non-reloadable Pre Paid XXXX, this card still has about forty-four dollars left on it. XXXX representative told me that Navient would probably just let me finish out the program, without punishment, after I explained the details of the crime that they had committed ( check the recorded conversation ). I called and tried to explain the situation to the Navient representatives, they didnt agree ; their representatives took a very hard and unprofessional stance during the conversation we were having. I have been garnished for the last year ; more than six thousand and five hundred dollars, wrongfully : and over ten thousand dollars, over the last three years. I have paid more than I ever borrowed, this last year was an evil attempt at no good ; the money was illegally, and wrongfully taken from me. I want my money back, I deserve my money back ( especially the XXXX XXXX from the last year ), I am asking for my money back! These companies blatantly broke and rewrote the laws to put more money in their pockets. Its not fair ; I have suffered for their self righteous ways, they are not doing right by the American public. I dont know how many people that they have done this too and gotten away with it ; but I pray that you wont let them get away with it. I hope not to be one of the people that have let this company get away with it again! I am a hard working, honest man, I live by the saying : An honest days pay, for an honest days work. These companies are taking my hard earned money ; they used sneaky, replicated, and rotten techniques to do it. Its robbery, they are robbing me every payday! Whether its done with a gun, or a pen ; robbery is robbery, and thats illegal, its against the law. Please help me fight for my rights ; no one should have to endure the punishment that I have from this company. I have had to sacrifice a lot, I have lost a lot. Please, help me stop the downward spiral, that these companies are trying force upon me. Its not fair now, nor has it been in the past, judge in my favor, please! Its time to put the racist, and their prejudice ways behind us, thats our past, scars that keep opening : Bigotry is ingrained in our history, but if we stand up to prejudice, it wont have to be a part of our future. It has been an honor addressing such great minds ; please, make the right judgment.

Thank You,

Company response to consumer: Closed with explanation