Consumer complaint received 2019-09-18
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There's several things that have happened ... A few years ago I didn't have to pay my student loan debt because I went back to school for XXXX  at XXXX XXXX in GA, they never said anything to me for years, never tried to get into contact with me AT ALL, then just a few months ago, I get an email from Navient, a company I've never even heard of, that I am 3 months late on my student loan payment ... Where did this even come from I wondered, they NEVER tried contacting me telling me they were going to start charging me again on my student loans ( I also doubted whether they were a legitimate company, but upon research I learned they are and they took over the old company from a few years ago ) - So ... I call them, this was back in XX/XX/XXXX/XX/XX/2019 I can't remember the exact date, trying to explain I can not afford these 3 months you never told me about, and I can't even afford the XXXX monthly payment ... The lady on the phone was EXTREMELY rude, nasty, disrespectful, not trying to help me in the slightest. She then tells me if I do not pay this off or set up a forbearance they will damage my/and my cosigners credit by reporting me ... So I had no choice, I was FORCED to set up a forbearance which upon further research after the fact is not something I should've done even though on the phone they made it sound like it was just fine ... So I set it up she told me that somebody will call me in XX/XX/XXXX when the period is over and they will try helping me out ... - It is now middle of XX/XX/XXXX, never received that call, but I certainly found something in my mailbox ... A letter with an already charged amount of a XXXX due, plus a XXXX of accrued interest ... My head is now spinning, I CAN NOT AFFORD THIS, I was hoping they would have called me to help lower the payment amount like the lady told me! So when I had enough free-time to call them, which was today XX/XX/XXXX ... I talked to XXXX XXXX, I can't tell if this was the same lady I talked to a few months ago, but it really seemed like it, I was also met with the same disrespect and yelling and just a complete lack of assistance, and once again they wanted me to go into a forbearance ... this is RIDICULOUS I tell them I can not afford this and they ask for my income, which I give but they never ask for the other bills I have to pay ; it is a terrible process! Of course when I say how much money I make per month it sounds like I can afford it, but when you live on your own and have car payments, groceries, rent, utilities, insurance, etc. to pay when you do the math which I did, you will see I CAN NOT afford it, I literally can not, and instead of trying to set up a payment per month that I can afford they just want to force me into another temporary forbearance ... 
I googled around and I see Navient has several lawsuits under their name ... - " Failing to guide borrowers to enroll in income-driven repayment plans Steering borrowers into forbearance, which causes interest to accrue and delays paying off debt Providing wrong information about cosigner release Processing payment incorrectly '' I have so far dealt with the first two problems ... this is unacceptable ... Please help I got off the phone with Mrs XXXX, going to try calling them tomorrow or when I can to talk to a difference person, and seeing if they can help me, but at this point I doubt it, I am forced into another forbearance so that my credit and my mothers credit isn't destroyed ...

Company response to consumer: Closed with explanation