Consumer complaint received 2018-04-19
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, Once again I am sending another complaint against Navient as far as their ridiculous monthly payment and their broken promises as far as repayment options. I attached as much information below to see if you can look into this matter ; If you looked at the previous complaints, it will help fill in the blanks to my issues and concerns.

I had recently called you not too long ago to look into a case in which was said it was duplicate ; after helpful agent reviewed and saw that my recent complaint was not a duplicate due that I had added more details on my complaint against Navient ; Navient continues to send monthly payments in 4 different loans with amounts starting from {$200.00} and up to almost {$1300.00} a month. I had called them on number of occasions to resolve this matter and all they have is excuses and repayment options in which I had already tried, no success, and they lied - instead of lowering the payments, they raised the interest rates and within 3 months attempt to raise the payment higher as soon as one agree to the terms. I got fed up with their lies, no one to turn to for help only from the Pennsylvania Attorney General in which they filed a huge Lawsuit against Navient, also wrote to Congress and to the White House - no response from them. Navient has cheated my mother on her co-signing payments in which they told her that she only had 2 loans under her name in which I finished paying one of the private loans due that they XXXX up the accounts ; instead of me paying for my private loans - I was paying the co-signers, brought this to Navient attention and they said that they would fix it but more lies and lack of support from their dept. My mother continues to pay for the other loan but Navient has added more to her in which they lied to her on the phone 2 times that there would be no more loans for her to pay once she finishes paying the final one she is currently paying as much as they also lied to her from making payment arrangements to lower her payments 4 times, every time it got higher and higher. I at this point is unable to continue paying my loans due that I am on a low-minimum wage job just recent and was out of work for almost a year due that employment is hard to come by here in Canada. I do not qualify for government assistance, unemployment, or welfare here due that I am only a permanent resident. My wife can not help me due that her monthly gross income is less than {$1000.00} a month, we can barely make ends meet especially our rent in which we will be homeless by end of XXXX  2018 ; I had made many attempts to find help for many years and all I gotten were run-arounds. I have proof that I and my mother in XXXX  are being cheated by Navient on how they scam and deceive consumers on loans and repayment options that does not work, in fact, that is one of the reasons why Navient is being sued for taking advantage of borrowers like myself and many others who are struggling and frustrated on what Navient is doing. I never got a feedback or response from Navient since day one of my complaint against them during and after I attended XXXX XXXX XXXX when they were located in XXXX, Pa. before moving to XXXX, Pa. / I had argued with the school before graduating due to the lack of education, had me sign papers that they would credit or deduct a percentage of my loans during the quarter semester but that was a lie, found out later that they had me sign for a credit loan in which I find that illegal to deceive students and promising them that if grades were at A or B level that we would be credited and all we had to do was sign. Further more I was told that if I continue to attend that they would promise me a job placement that never happened, that my age would not affect my qualifications to go into law enforcement in which I questioned them with concern, they also lied. I had already sent many complaints against them, I have emails proofing on my situation against the school, Navient ( The number of times I sent my complaints and concerns to them - By Letter, Fax, as well. ) I have no way to copy and paste All of my proof and vidal information to help you look into deeply on my serious complaints against Navient and if you should need the information, please feel free to email me or send to my mothers address in Philadelphia. I also had sent many forms for Loan Forgiveness and filled out a form to release my mother from co-signer ; I was simply ignored from Navient as well gotten run-arounds. I am hoping that you can help me and see if there's a case I can file against Navient on the number of times I had filed already from a number of Depts. Ty for your time and patience and looking forward to hear from you soon.

Company response to consumer: Closed with explanation