Consumer complaint received 2019-06-26
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Company=Navient. Issues RE how account has been handled, collected, misrepresented, credit reporting, 2 loans attached that are not mine contributing to an inflated principal to collect higher interest payments. Navient currently owes me estimated thousands in overpayment refund. Despite my insistence of overpayment, and my dispute of legitimacy of debt they continue to garnish my accounts. Also, in a recent letter to me Navient States Unfortunately, Navient on behalf of XXXX XXXX. XXXX, XXXX  can not provide you with 1098-E for the tax year ( s ) XXXX, XXXX, XXXX, XXXX, XXXX. ( They omitted XXXX - ) Please accept this letter as evidence that you paid XXX $ $ accrued interest. Im not sure that is even legal! I have 6 loans 3 sub/3unsub dating from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX total principal {$15000.00} at 6.8 % fixed. Since XXXX I have been being charged for two additional loans totaling {$6800.00}! These loans have no paper trail. Navient presented me with a copy of my original application for student loan as their proof of legit thats it! Further just because a student qualifies for a certain amount of loans does not mean they utilize the full available amount. So students beware! Also, there is no disbursement record of these two loans nor do they coincide with any student accounts/funds received on my behalf through the University either. In XXXX my family suffered a tragedy to our child with multiple hospitalizations. XX/XX/XXXX Navient found in me in default! By XXXX I was in hospital myself with a XXXX XXXX. Later in XXXX of XXXX my husband died, left me w/XXXX young children, challenged. By XXXX of XXXX Navient w/o notice, attached my SS widows death benefit and my fed tax returns ( more of a mess ) I ended up losing our family home at this point. For the last six years Navient has sucked over {$29000.00} from me on a {$15000.00} student loan debt!. ( And don't forget, they wont provide me with federal 1098-E student interest payment form! What are they hiding or what doesnt add up? ) Unbelievably still, Navient claims I currently have a balance due over 10K! I absolutely have overpaid this debt easily in excess of 6K and thats calculating everything as unsubsidized because they royally XXXX up their status calculations. ( I.e How can I be listed in forbearance while I am actively in school? ) In my opinion, Navient has been deceitful in their loan activities/maintenance practices, unethical in their approach to collection, and collection reporting. They have over-collected funds, and continue to over-collect $ . Theres a hand in my pocket and it seems I have had no way to stop them! wouldnt they have to show a proof of debt to a judge to attach accounts? I havent been able to get this seemingly false dossier. This has gone on now for years. 
Im hoping for help to recoup an accurate account of my over payment. Also hoping for assistance In getting a letter of their wrong doings to be attached to my creditors. Navient has put me through the ringer! Somebody needs to stop this runaway company and make them accountable for their unethical practices! 
We might not need to look so much into eradicating student debt if we monitored more closely those with the keys to the vault!

Company response to consumer: Closed with explanation