Consumer complaint received 2017-10-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX I am writing due to a gross increase in loan balances listed on FSL website which occurred while my loans were being serviced by Navient. I took loans out from XX/XX/XXXX-XX/XX/XXXX in the total amount of {$83000.00}. This is the accurate accounting of the loans I took which were a combination of subsidized and unsubsidized loans FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$10000.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$10000.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD  UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$9800.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$5500.00} XX/XX/XXXX {$5500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD UNSUBSIDIZED {$5000.00} XX/XX/XXXX {$5000.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD  UNSUBSIDIZED {$2500.00} XX/XX/XXXX {$2500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$5500.00} XX/XX/XXXX {$5500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$3000.00} XX/XX/XXXX {$3000.00} {$0.00} {$0.00} {$0.00} FEDERAL PERKINS {$660.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD  UNSUBSIDIZED {$450.00} XX/XX/XXXX {$450.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$3000.00} XX/XX/XXXX {$3000.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$2600.00} XX/XX/XXXX  {$2600.00} {$0.00} {$0.00} {$0.00} This is the complete list found on FSL Website indicating the  amounts due after accrued interest while with Navient. 

Loans Please click on numbers in first column to see details including point of contact. 
Type of Loan Loan Amount Loan Date Disbursed Amount Canceled Amount Outstanding Principal Outstanding Interest 1 DIRECT CONSOLIDATED UNSUBSIDIZED {$110000.00} XX/XX/XXXXXX/XX/XXXX {$110000.00} {$0.00} {$110000.00} {$1000.00} 2 DIRECT CONSOLIDATED SUBSIDIZED {$61000.00} XX/XX/XXXX {$61000.00} {$0.00} {$61000.00} {$42.00} 3 FFEL CONSOLIDATED {$90000.00} XX/XX/XXXX {$90000.00} {$0.00} {$0.00} {$0.00} 4 FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$10000.00} {$0.00} {$0.00} {$0.00} 5 FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} 6 FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$10000.00} {$0.00} {$0.00} {$0.00} 7 FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} 8 FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$9800.00} {$0.00} {$0.00} {$0.00} 9 FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} 10 FFEL STAFFORD SUBSIDIZED {$5500.00} XX/XX/XXXX {$5500.00} {$0.00} {$0.00} {$0.00} 11 FFEL STAFFORD UNSUBSIDIZED {$5000.00} XX/XX/XXXX {$5000.00} {$0.00} {$0.00} {$0.00} 12 FFEL STAFFORD UNSUBSIDIZED {$2500.00} XX/XX/XXXX {$2500.00} {$0.00} {$0.00} {$0.00} 13 FFEL STAFFORD SUBSIDIZED {$5500.00} XX/XX/XXXX {$5500.00} {$0.00} {$0.00} {$0.00} 14 FFEL STAFFORD SUBSIDIZED {$3000.00} XX/XX/XXXX {$3000.00} {$0.00} {$0.00} {$0.00} 15 FEDERAL PERKINS {$660.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} {$0.00} 16 FFEL STAFFORD UNSUBSIDIZED {$450.00} XX/XX/XXXX {$450.00} {$0.00} {$0.00} {$0.00} 17 FFEL STAFFORD SUBSIDIZED {$3000.00} XX/XX/XXXX {$3000.00} {$0.00} {$0.00} {$0.00} 18 FFEL STAFFORD SUBSIDIZED {$2600.00} XX/XX/XXXX {$2600.00} {$0.00} {$0.00} {$0.00} Total DIRECT CONSOLIDATED UNSUBSIDIZED {$110000.00} {$1000.00} Total DIRECT CONSOLIDATED SUBSIDIZED {$61000.00} {$42.00} Total FFEL CONSOLIDATED {$0.00} {$0.00} Total FFEL STAFFORD UNSUBSIDIZED {$0.00} {$0.00} Total FFEL STAFFORD SUBSIDIZED {$0.00} {$0.00} Total FEDERAL PERKINS {$0.00} {$0.00} Total All Loans  {$170000.00} {$1100.00} Based upon the amounts SHOWING above, it appears as though the initial loan amounts of {$83000.00}, with interest, is now totaled at {$170000.00} ( {$170000.00} + {$1100.00} ). This is entirely impossible as {$89000.00} of interest would be unfeasible especially since a good many years since XX/XX/XXXX, my loans were in multiple forms of deferment ( and some forbearances ). 
I am unclear as to how the amounts due are {$110000.00} for Unsubsidized AND {$61000.00} for Subsidized Loans. Obviously, through multiple lenders and loans being sold, erroneous and possible illegal actions were used to increase the totals. 
These show added interest and costs of {$82000.00} most of which was accrued during forbearances with Navient. I had been given repayment options of $ 300- $ 500 monthly with Navient which I could not afford at the time so I had to use forbearances for these loans. 
I am currently in repayment of my loans with XXXX XXXX and would graciously ask for some assistance in rectifying this matter of being charged exorbitant rates of interest since Navient made it impossible to set up reasonable and manageable payment plans. 

Thank you very much,

Company response to consumer: Closed with explanation