Consumer complaint received 2023-11-07
Company: Navient Solutions, LLC.
State: AZ
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:
For over 10 years i have been forced into making payment arrangements on loans that i have no idea what i am paying for at this point. I have requested multiple times info on what the charges were stemming from way back from XXXX XXXX and now navient and to date have not been provided with anything showing what i am being charged for. I have been referred to the colleges each of whom have advised they can not provide me with any of the information requested as its unavailable. I am former military and had the Montgomery GI bill which was used to pay for my college. I am not understanding how this balance is accurate. I have sent letters to my congress and senators offices and President Biden XX/XX/XXXX and to date i have still not been provided with any documentation from the carrier advising what the balance is from what classes, books tuition etc to verify why i am being advised i owe multiple different amts for student loans. I have notified navient at one time that i was contacted by a collection agency advising that the balance had been taken over by their company and provided a totally different balance than what Navient was advising of and when i advised them of this information i was advised that i would disregard the collection agencies info and work with navient as they took back the acct and the collection agency was no longer collecting. I advised i had received the letter that day and questioned the difference in the balance and again asked for documentation showing what this balance was from. I then explained it is against the law for two different agencies to collect on the same debt and that this should be done away with due to the negligence in the collection practice they were following with two companies involved and we are still fighting the same balance but different totals today. I am at this time refusing to make payment arrangements with them because i am not sure what im arranging to pay for nor have they provided this information. and since this information was even requested on XX/XX/XXXX with no reply at this time i am asking that the law be enforced and each of these loans be removed from my credit report and any further collection activity is ceased from this company. I have been forced for over 10 years to agree to pay a balance i have not agreed i owed. I went to the military specifically to pay for college and i earned my GI Bill for my service which paid for my schooling. I have been sick and still trying to fight them which has ruined my credit dropping my score over XXXX for their erroneous billing. Please assist me with getting this balance removed from my credit as navient has been found to have very fraudulent billing practices, we are forced into payment arrangements that are not ones that would be knowingly made had we been accurately assisted with the way they have been putting loans into forbearance or deferring with high interest rates causing hardships for millions of us across the country. Please help as their practices and responses are as if they do not care and do not care to resolve any issues they say i owe it and feel they are correct when the entire time they have been asked for proper documentation including last requested XX/XX/XXXX they should be forced to follow the law and remove since it has been over 30 days. Please help i am just finding out i can submit this request for assistance and i am seeking help as i am in dire need as they have not followed up to provide any information requested of them. letter sent to then in XXXX and provided to President Biden and Arizona Congress and Senators office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX XXXX XX/XX/XXXX President Joe Biden XXXX XXXX XXXX XXXX Washington DC. XXXX Dear Mr. Biden, My name is XXXX XXXX and i am writing this letter requesting assistance from my superiors. I am at my highest level of frustration and can not find any assistance. So i am writing all of my legal representatives for assistance. 
I am former military and went to the military for college money. I was promised to receive my Montgomery GI Bill when i was XXXX. I went to college 2 semesters and being asked to pay over XXXX that I have requested proof of my debt from Navient for over 10 years now including this year and have not received to date. 
I have advised them on multiple occasions that they are illegally attempting to collect on a debt. They have had the same account with another collection agency which had a totally different amount due and when advised that they can not have the same debt at two diff companies with two different amts being due they advised that the other company is no longer collecting they are and still to date has not provided anything that shows what this balance is stemming from. 
Due to the confusion on the amt due and the company that is collecting i became even further concerned on the billing practices and i began to refuse to make arrangement because i have always stated to them the debt is not valid and agreed to arrangements because they were to be investigating the issue but i never receive any type of reply or follow up. 
I have only been sent a paper that states it was a promissory note that was electronic that stated i received a loan. I have no information or access to verify anything about this debt. There is no breakdown on the classes, books, fees etc. 
I was told to obtain this information from the college. I went to the college not once but twice, spent hrs and sent here and there and was advised they have no access to the records and could not direct me on where i could obtain this information at. So again direction navient and sallie mae has provided during this tenure leads me to nothing when trying to verify what this debt entails. 
For the reasons listed above i am asking that Navient be forced to follow the law when they have not successfully provided anything that shows what the charges and the balance is stemming from. 
To add further frustration, i have asked them NOT to call me as i wanted information in writing and still to this day they are contacting me daily and multiple times a day which is against the law. They have also started calling another number i am associated with when i have asked multiple times to correspond in writing. I would ask for the max penalty per call for them contacting me via phone when asked not to do so. 
I am asking that this fraudulent billing which has dropped my credit score over 100 points be removed from my credit and they follow the law and no longer attempt to collect on a debt that they did not prove in 30 days from my dispute this year, or any previous years. They should not be allowed to continuously violate the law and destroy my credit in the process of them fraudulently billing me for a balance that has not been validated at any time they have been asked to do so. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation