Consumer complaint received 2018-03-03
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient ( a.k.a. - XXXX XXXX ) has been nothing but trouble from the beginning. I have repeatedly told them that I live on very meager Social Security XXXX Income ( for my XXXX XXXX ) - which is a Fixed Income, but they rarely honored our agreements unless I was able to get a lawyer ( or someone else ) to help me reason with them, as it is like talking to the wall. I have told them a number of times over the years that I can't afford a repayment plan of more than {$60.00}, but they have set their current online platform on their website to the point where they're trying to force me to pay more than {$100.00} - an amount I have repeatedly told them I can't afford. A few years ago, one of their representatives tricked me into paying an amount I couldn't afford then, when I had no money in the account, by lying about when the money was going to be processed ( after he had manipulated me into giving out the details of my debit card ) and resulting in a {$100.00} overdraft in my bank account. Navient doesn't seem to care that people ( like myself ) who live in poverty level need money for food and other things - I can't even afford a car, and they threatened to " seize my assets '' at one point, when I don't even have anything for them to take. I always have to fill out their Income-Based Repayment Plan every year, but it is not being honored for the most part - I told one of their agents about a week ago that I can't afford more than {$70.00} at this time, and the impression I got was that the amount was NOT going to be raised. Now I can't even pay the amount we verbally agreed to that time - they made the system try to force me to pay {$140.00} just now, tackling Late Fees into it as well. I have repeatedly told them that I can only pay a certain amount, which is NOT {$100.00} or more ( as is evidenced by the enclosed letter I wrote to them, the facts of which I have repeatedly told them over the years, but which never seems to get honored ), but now they've set up their system to not allow me to manually enter in the amount I CAN pay. Plus, one of their agents has the habit of harassing me on the phone every 10 minutes ( also evidenced by one of the enclosed letters with this complaint ), after they agreed not to do such a thing - and after I put my phone number on the Do Not Call List. She has harassed/threatened me on the phone repeatedly, and when I try to call back, doesn't listen to anything I say. Make Navient honor their agreement and stop threatening their borrowers - I am one of the few that is able/willing to pay what I can every month, but it seems like every time I try to do that, they make it impossible to do so. I am currently an XXXX XXXX and have just recently found out that I'm supposed to be eligible for " Student Loan Forgiveness, '' based on my year of service, but when I called to tell Navient that, they didn't listen and continued to make unreasonable demands. I demand that they be held accountable for the hours and amounts of suffering they're causing their consumers, especially with their " Bait and Switch '' methods on the loans.

Company response to consumer: Closed with explanation