Consumer complaint received 2017-08-01
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been dealing w Navient for years and it is awful. I have an enormous amount of student loans, both federal and private, from law school. They would call me everyday and call my father her co-signed, They have even called my brother who has the same name as my father AFTER they knew he was my brother and I did not authorize them to speak to him. A few years ago they have credit reported me and my father after applying my payments incorrectly and my father had a credit line decrease due to that. I should have sued under FCRA, but I did n't. I continued to deal with the horrificharassment. In XX/XX/XXXX I lost my job and was unemployed for a year and a half. That was fun. In XX/XX/XXXX, after I had set up an automatic payment plan to be disbursed to all of my private loans ( my federal loans were in forbearance or deferment ), I started to receive calls everyday that my payment was late. For 3 months Id call everyday, be put on hold and transferred, while my father and I both continued to receive calls that my payments were late. They were taking {$500.00} dollars from my checking account a month ( which I did authorize ), yet they were calling me asking me to make payments. To this day, I do n't know where that money went or to what it was applied. I have a statement from my bank showing the automatic withdraws for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as a printout of my account telling me that I have missed the last 3 payments. I was so upset that I would feel physically sick to my stomach. I cant tell you the amount of time I spent trying to deal with this. I reached a manager named XXXX who said he would help but after a few days would not answer or return my calls. I had to go thru my bank and explain that the money was coming out of my acct but Navient was not applying it to my loans. My bank agreed that this was not okay, and retuned my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I should have filed a complaint then, but was so drained from dealing with it. I had a 1.5 year old at the time and worked full time and just did n't have the time. I was also getting ready to leave on a family beach trip with my parents and I needed that money for vacation,. I have since et up a payment arrangement where I pay monthly on 2 of my cosigned private loan accounts ( {$180.00} ) and a separate good faith payment of {$50.00} on the other private loans accounts ( because that is all I can afford ). The payments were automatically charged to my credit card and then I just pay on my card. I do not trust this company with my debit card or bank account if and it is easer to dispute a credit card and not be out money if they take what they are n't supposed to. I have federal loans which are now out of decrement and federal loans with XXXX XXXX in deferment. Im trying to pay back my laons but have XXXX small children and cant have my whole check to loans. My issue is now I was informed that Navient can no longer take payments on credit card. They want me to set up with checking and do not feel comfortable. I said Id send in a check in the mail every month, but they will not honor the interest rate if I do n't set up automatic payments. I feel like I am their hostage. This has taken a toll on myself and my family, where I am unable to obtain a mortgage for a home and am constantly in fear of what is happening to my credit and what this will do to my future. I am XXXX XXXX over this. Please help.

Company response to consumer: Closed with explanation