Consumer complaint received 2018-05-08
Company: Navient Solutions, LLC.
State: GA
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:
XX/XX/XXXX... .1 out of 10-15 of my satisfactorily deferred student loans reported as default. I was not ever familiar with the name Navient. All of a sudden received mail forwarded from a previous address move 1 Month prior that my loan was defaulted. I expressed that I wasnt familiar with a consolidated loan and none of my 10-15 federal student loans ever defaulted. I repeatedly recvd phone calls and mailings immediately following of the defaulted loan status of a single federal student loan. I reached out to the company Navient in approx XX/XX/XXXX to try and rectify the incorrect reporting but was informed the default status would be upheld and it was my responsibility to inform the Lender of my move. I expressed that I have never had any issues or problems with my lenders at any time and that Id moved several times prior to that move and continued to receive all of my mail because as a responsible adult I ensure 6 months prior to my move I inform the US Post Office to avoid interruption of important mail. I am appalled that this was done to me because I would have ensured other measures for repayment would have been followed just as with my remaining 10-15 federal student loans. 

Soon after I decided to exercise what options were remaining to try and help free myself from the derogatory, harassing, predatory collection activities of Navient by attempting to set up satisfactory payment arrangements due to my unemployed work status. Navient and myself agreed to a specific ONE TIME payment using a bank card. I explained to Navient on a recorded call that this is a ONE TIME PAYMENT ONLY using that card and a different card or means/form of payment would be used for the very next pymt and moving forward ; therefore, to ONLY use my bank card for this One Time Only pymt. Navient agreed and requested that I call back at the specified time to provide my pymt form for the next pymt and future payment. I expressed to Navient that no monies were in that bank acct and I only had {$5.00} to spare for the One Time Payment and a Navient agreed and said they understood and my card would only be used for that One time only payment. 

A month later and ever month following my bank card info has been attempted processed by Navient where my account has skyrocketed by {$100.00} of negative transactions for the $ XXXX   monthly. I am appalled and baffled. Even after this company has mishandled my federal student loans by issuing a default wrongfully and unfairly to now fraudently charging my bank card without my authorization to negatively reporting the federal loan status as being in default!!!!!! 

This is erroneous, fraudulent, deragoatory and predatory lending and collections practices of Navient. First of all, as a consumer I was totally unaware of who this company was because I was NEVER informed of who a Navient was therefore if o received the mail with the 1-2 months of relocating, it was disregarded mistakenly because I assumed it was scam or unsolicited, advertisement mailing as all customers currently receive. This is an injustice and blatantly unfair. Disgusting and fraudulent collection practices all while having to support two college students in school. Please help!

Company response to consumer: Closed with explanation