Consumer complaint received 2021-09-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/XXXX : I received a direct to voicemail call from a XXXX area code number. This number is XXXX. Phone records will indicate I have a XXXX area code phone number. I am originally from XXXX XXXXXXXX XXXX but currently live in XXXXXXXX XXXX Listening to the 48 second voicemail, it was not someone from back home. It was Navient calling to try to get a payment out of me. Navient and personal banking records indicate {$150.00} payment was made in XXXX with emphasis towards most delinquent loans. This indicates the company is spoofing numbers with the intent to obtain anything of value. Under FCC laws that is illegal. I then received a restricted phone call : It was Navient again. When asked why they used a XXXX number she said it was the address they have on file. Wrong they have a XXXX  address on file. Last month they sent in certified mail a copy of my promissory notes. Then she said the company is based in that area. Wrong again. The company 's address listed on certified mail is po box XXXX XXXX XXXX, XXXX address with a XXXX area code. This is also the address on file with the XXXX XXXX XXXX. Then I heard kids in the background and questioned why I was hearing things in the background and she hung up. Also, according to President Joe Biden, a freeze on federal loans was extended in XXXX through the end of XX/XX/XXXX. My federal loans are in Navient as well. Part of a repayment program I signed up for, my federal loans were consolidated into my private loans. So, this leaves the question if my federal loans are attached to my private loans then shouldn't I also receive a freeze on having to make payments through the end of XXXX? And if so, then isn't it illegal for a company to harass me the way Navient is? This is the second time in a week they have harassed me. They went as far as contacting my mother. When I asked them several months ago to remove all other contact information from my account except for mine. They are mishandling my account. This all started last XXXX. I had autopayments going through using my debit card. However in XXXX of last year my debit card expired. I forgot to contact them with a new card. According to their team who has told me in a recorded line and also it states in writing per the company 's website : they will contact the individual 30 days after a missed payment. However, they did not contact me until XXXX when my account went into collections. Also, I have asked repeatedly for the contractual agreement for the automatic payment program I was on. They have yet to provide that information. Over a recorded line four years ago, I agreed to an automated teller who rattled off an agreement to have payments automatically taken out. If an automated teller has recorded that then it has to be in writing somewhere. I am entitled to a copy of that agreement. But have not received a copy of that agreement. When you agree to the terms and conditions set forth by companies like XXXX you are able to receive a copy for your records. I still have not been given a copy of that agreement however I have asked several times.

Company response to consumer: Closed with explanation