Consumer complaint received 2018-12-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My issue started back in XXXX when I was directed through The XXXX XXXX University to borrow a private loan through Sally Mae in two separate disbursements of {$15000.00}. I started repayments simultaneously through direct deposit from my military account four times ( 2 times while attending The XXXX XXXX University and 2 times a XXXX University. Each time Navient would stop the payments without telling me. So the military prohibited me from doing anymore allotment to them. However, Navient lied, saying the military stopped it, later to admit that their policy is to stop all payments when the student is active in school. It was not until I received a credit report and a lender officer, threatened to file a case against me, if I did not began paying on my loan. In XXXX, I found out that the second loan had been disbursed to The XXXX XXXX University, and at that time I had stopped college, due to my mother passing. The college, nor Navient notified me of the loan. The XXXX XXXX University was charging me student fees for failure to re-enroll quarterly and had charged the fees against the loan, up to {$3000.00} dollars from XXXX. I found out when I received out dated mail of canceled checks The XXXX XXXX University attempted to mail me years back. Initially when I contacted The XXXX XXXX University numerous times, they denied ever receiving the funds. Likewise Navient denied for XXXX them. Finally after I threatened each with lawsuits, they worked together silently to settle the issue, excluding me. However, I was still charged interest fees. At the same time, the first loan they had stopped my allotments to built up massive interest. Navient stayed " Hardcore '' saying everything was my fault. The customer service representatives treat you like you have mental issues, talking down to you as a customer. Before you can State why you are calling, they demand all your perusal information ( Name, date of birth, social security number, present address, loan number. Then they go straight into how much you owe and ask if you are ready to pay the full amount due ). For years they never told me what the minimum payments were, when they were due. They had basic service fees of {$50.00}, as now, tacked on my payments, plus interest on those basic service fees with daily interest. But in the column amount due stayed XXXX. Finally, they told me a minimum of {$120.00} was due monthly, but after service fees and interest, no more than {$30.00} dollars went towards my repayment. They never notified me of and lower interest rates, nor notified me of how they worked my loans with The XXXX  XXXX University. Both were in concert ripping me off silently. I was even threatened, if I paid my loan off early, by phone twice, I would receive a pay off penalty. Presently I've doubled my payments, begging people to help me pay my loan. I play saxophone in the streets and other places, being a XXXX vet, to pay back the loan. When I contacted Navient 2 weeks ago, I was told to stop making payments, because I was 8 months ahead and they was dropping my payments from {$120.00} A month to {$100.00} a month. I pay from $ 200-300 A month. However, I never received an actual letter stating this change, nor does it reflect on the billing statement, it was just a verbal conversation last month. The statement shows no payment due, no late fees, but shows the basic monthly service fee of {$50.00} and daily interest, that continues even though one is in school actively like me. I've complained 3 times in writing from XXXX. 

Previous complaint filed XXXX XX/XX/XXXX Note : The XXXX  XXXX University has yet to say anything else about the matter. The present president of XXXX has never responded to my claims.

Company response to consumer: Closed with explanation