Consumer complaint received 2018-07-31
Company: Navient Solutions, LLC.
State: SD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My name is XXXX XXXX and I am writing this email in regards to numerous violations of the FDCPA. XXXX XXXX XXXX is a daughter company to Navient who is contracted by XXXX XXXX to collect on this debt. I assume that XXXX XXXX forwarded on my contact information when they contracted you. When they did that, XXXX XXXX gave you my address and phone number. XXXX XXXX had my number as a ceased do not contact number therefore you all decided to call my XXXX sisters on XX/XX/2018. 

You called XXXX on XX/XX/2018 and left a generic message. When she called back in on XX/XX/2018 she asked who you were with and you would not tell her but only said its a personal matter. According to the FDCPA you have to disclose who you are with but can not state it is an attempt to collect a debt. You also called XXXX on XX/XX/2018 and left a generic message. She again called back on XX/XX/2018 and spoke to XXXX who advised her she would not receive another call! My XXXX sisters called me on XX/XX/2018 stating they received calls from you. So that same day at XXXX XXXX   CST on XX/XX/2018 I called in and gave you all the information you all needed. I stated you can send me information by mail but do not call my cell and do not contact my XXXX sisters again. 

Well on XX/XX/2018 you called my sister again at XXXX and this is another clear violation of the FDCPA as she advised on XX/XX/2018 to not call her again. On that same day I called in to request a formal complaint of the 2 FDCPA violations. 

On XX/XX/2018 I called into XXXX XXXX XXXX as I wanted the status of my complaint and was told by XXXX that it was still open. After telling XXXX of the XXXXwo options XXXX XXXX XXXX has he advised me that those were not going to happen. He then went on to say that if I did not enter into the loan rehabilitation program that they would garnish my wages. XXXX can not state that, as he does not know when and or how XXXX XXXX and or XXXX XXXX will take those actions or if they even will. 

Section 807 of the FDCPA SAYS AS FOLLOWS : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
( 13 ) The false representation or implication that documents are in legal process. 

Since XXXX says you all have no record of me calling in on XX/XX/2018 to advise you not to call my sisters again and give you all my updated information I am attaching my call logs from XXXX as you can clearly see. You all violated the FDCPA 3 different times. First being not disclosing who you were all with when XXXX called back in. Secondly when XXXX advised not to call her again but yet you all did on XX/XX/2018. Third on XX/XX/2018 when XXXX said to me " if you do not enter the loan rehabilitation program we will garnish your wages ''. 

Each of these violations carries a possible {$1000.00} fine on top of my loans being brought to a XXXX balance. So your option is to bring my account to a XXXX ( XXXX ) balance considered paid in full and or I will have to take another step with this.

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