Consumer complaint received 2018-02-08
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently found out I had defaulted student loans that were to be discharged during a bankruptcy that was d/c in XX/XX/2005. Unfortunately due to the time frame and the discharge being off my record I do not have any paperwork for it. The courts have destroyed the paperwork as well and the attorney I used in the case is now deceased. I contact XXXX XXXX XXXX because they are the ones who are handling the case. I have spoken with a XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX in regards to the case. My issue is that I feel I have been lied to. I have a balance of XXXX ( including collection fees ). I was told by XXXX that the collections fees are not accessed by their company but by the XXXX XXXX XXXXXXXX. I submitted financial records and the from the law that I read regarding repayment of student loans the amount is to be based off my Adjusted Gross Income. I provided verbally to XXXX the amount of XXXX. I made a payment that day. The next day I was contacted by her again. She accused me of lying to her and stated that I made more money and therefore my payment would increase by XXXX and that I needed to make that payment that day or else the payment that I made the day before would not count. I questioned what she was talking about. That the law states that you are to make the monthly payment assessment from my XXXX not my gross wage. I felt helpless and as if was being backed into a corner so I agreed to the new payment amount. I might also add that the way I found out about the debt was through income tax offset. Through that my federal taxes were XXXX and my state tax was seized as well at XXXX. I was never asked what I could pay. What my monthly bills were. I was told I needed to pay this amount. Another issue is that I have 6 small loans on there and I requested that the small loans be paid first to stop having to pay interest on those. When I spoke with XXXX XXXX the manager she stated that I could not allocate where the money was being dispersed that the payments had to be distributed evenly between all 6 loans. She stated that the only way to have the small loan paid off would be that I would have to send an additional payment and specifically allocated that was for the account. This was also told to me by XXXX XXXX. She gave me the account number for that loan of XXXX. Long story short I know this company has been sued as I was named in the class action lawsuit. There unlawful business practices are continuing. I would like some sort of assistance. I would like to satisfy the debt but I am not going to allow myself to be a victim. At this time I spoke with XXXX XXXX last night and I have asked that my financial information be deleted from the system until the issue can be solved. I have also reached out to to the US Dept of Education and filed a complaint with them as well. I would appreciate any assistance I could get in resolving this matter. I will note that I also have tried to reach XXXX XXXX and I was told that he does not have a voice mail. I was told that he is the director.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation