Consumer complaint received 2019-08-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX, I enrolled at XXXX University ( Formerly XXXX XXXX University ) and sought financial aide and the usage of the GI Bill. I am now a XXXX XXXX veteran ( XXXX XXXX ), no longer able to work due to multiple XXXX conditions. Financial Aid requested I needed additional money to cover the expenses for an XXXX Degree since my GI Bill did not cover and was informed I could get aide through federal loans. I did receive these loans but was informed I needed a co-signer to cover the remaining tuition, thus my deceased step-father did for me. There are no financial statements of payments from the XXXX GI Bill, Federal Loans or Sallie Mae Private Loans. After graduating, in XX/XX/XXXX, my loans had reached the grace period and I began making payments. I was unaware at the time the Sallie Mae loans were from a private lender and not federal subsidized loans, the university referenced the loans as " federal loans ''. The university sales representative promised employment after graduation then later coaxed me into pursuing a XXXX Degree in XXXX but I soon dropped out for medical reasons. After graduation in XX/XX/XXXX, I attempted to find employment through the school and on my own but remained unemployed for almost 2 years. In XX/XX/XXXX, I relocated to MD as a result of unemployment and Sallie Mae reported negatively on my credit although they were aware of my unemployment and inability to pay at that time and was told I did not qualify for a deferment but a forbearance with a {$100.00} fee. My financial hardships, medical hardships and hospitalizations, Navient provided minimal repayment options after calculating my expenses and still requesting payments beyond my ability to pay. Requests to correct inaccuracies on my credit report, arrange agreeable payment terms and options, or to be placed in a reduced payment program were fruitless. I was forced to setup automatic payments after being denied a forbearance according to Navient payment terms and conditions which they stated says no forbearance requests would be approved if the borrower has exceeded a 36 month time-frame regardless of the original disbursement of the loan, even if due to unemployment nor was a copy of these terms provided as stated to be in the promissory note, from the previous servicer, Sallie Mae. I struggled to repay my loans and only once placed in an interest-only payment plan for 1 year only in XX/XX/XXXX-XX/XX/XXXX,  which thereafter I qualified for no other programs, even Income-Based Repayment. Confirmation # XXXX for {$220.00} was applied and the previous auto-payment agreement was removed. My D, of ED-Navient were favorably deferred during this time. In XX/XX/XXXX, my step-father ( co-signer ) died and again had troubles with harassing calls, illegal correspondence to my deceased father after providing a copy of the death certificate. I made three-payments to enter a program with XXXX on XX/XX/XXXX to have automatic withdrawals for of various amounts to catch up. XX/XX/XXXX, I became very ill due to my XXXX during the XXXX XXXX XXXX. My auto-debit was cancelled in the amount of {$220.00} with XXXX XXXX. I was transferred to the military department to see if I could get my loans reevaluated but was told by XXXX, to pay {$220.00} by the XX/XX/XXXX. 

I am currently pursuing XXXX as a result of being unable to find sustainable employment to accommodate my medical conditions and after having credit inaccuracies removed from my credit through XXXX XXXX XXXX. Today, the Lender informed me that there were charge-offs for three accounts on my XXXX  credit report. However, I never received any notice of a charge-off to my account via email or mail. The three letters that were obtained from Navient website, sent to my old address, although updated online, were after my attempts to make arrangements and their refusal to offer payment options due to my unemployment. XXXX ( XXXX ) stated on XX/XX/XXXX, that she would note my account of the financial and medical circumstances but no payment options or delayed payments were offered. Letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stated only being delinquent and final notice threats to pay and to be sent to litigation. XXXX XXXX confirmed removal of these three negative marks on my XXXX credit report in XX/XX/XXXX and XX/XX/XXXX. 

Due to losing all of my federal TSP retirement to pay medical, relocation and other financial obligations to avoid homelessness, I submitted a request for loan discharge on XX/XX/XXXX for loan discharge however it was not processed. Please review this complaint in reference to improper tactics for Signature Loans, Sallie Mae and Navient for harassment, denial of forbearance requests, denial of attempts to make payment arrangements, reduced payments or deferment during unemployment, financial and medical hardships and threat tactics of litigation, false credit reporting and misrepresentation of loan types.

Company response to consumer: Closed with explanation