Consumer complaint received 2017-12-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The company that I want to file a complaint about is Navient. Navient took over XXXX XXXX student loans while I was still attending college. Out of all of my private student loans they are by far the worst company and are unlawfully using deceptive debt collecting practices. 
I have no forbearance left and I am currently recovering from a major XXXX XXXX and I still need to get the other hip done as well so I am unable to work at this time. I have explained my situation to Navient and they would not help me the lowest they would go for my two loans was XXXX dollars a month after i told them I am living under one income and living paycheck to paycheck of my husband 's income as well as my cosigners who are my grandparents both widowers and living on a low fixed income. 

Navient for months has been harassing myself and my family at all hours of the day 7 days a week and from all over the country. What really concerns me about this company is what I recently found out. Within the past few weeks, my uncle 's new wife ( so no connection to myself anywhere ) and my father-in-law ( who also is n't listed in connection to me on any of my social media sites etc. ) have been called from the same woman who goes by XXXX who works for Navient phone number XXXX extension XXXX. I have no idea where and how they are finding these people and their contact information but they call and completely lie about their identity. She has called and said the same story to both people. The story she gives is that she is looking for me and that we are working on a project together and that I have the people she contacted unlawfully listed as my associates. When my father-in-law called and told my husband what happened he gave us the number and we called it and it says thank you for calling Navient. Plus she left her extension number so, it concerns me that they are basically giving or would give private information to parties that are not associated with the loans they have in my name considering she left ways for them to reach her. 

What this company is doing is completely illegal, the entire above situation is the epitome of deceptive debt collecting practices, which I read about in the Fair Debt Collecting Practices Act on the FTC website. What is concerning about this deception is not knowing where and how they are finding these people and contacting them, lying about who they are as well as if they called back and see that it is indeed Navient, what would Navient do? Would they take money? Would they give away private information? The questions and concerns are endless. So not only is this company lying about who they are as well as contacting people that are not associated with this loan they are taking harassment to the next level, they never stop they are ruthless and something needs to be done to stop this company from abusing consumers like me. I would list phone number but they call from all over the country so we never know what is the right number etc.

Company response to consumer: Closed with explanation