Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, In full disclosure, I want to point out that I sent a version of this to the attorney general 's office of XXXX. All I want is for my monthly payments to go down. 

-- - Here 's a quick history of my life to get to why I 'm now paying $ XXXX/month to Navient after graduating with a XXXX from XXXX in XX/XX/XXXX. First, the numbers. 


The Numbers : In XX/XX/XXXX, I started a XXXX account. If I do a quick search today, XX/XX/XXXX for my " student loan '' category, it shows that I 've paid {$44000.00} towards student loans since XX/XX/XXXX. 

At that point ( when I was XXXX ) had XXXX separate payments per month that were generally around {$510.00}, {$140.00}, and {$65.00} ( total : $ XXXX/m ). This number would fluctuate, which I 'll go into more below. 

On XX/XX/XXXX I paid off XXXX small loans ( using a good chunk of my tax refund ) totaling {$6200.00}. 

As of XX/XX/XXXX, these are my balances : Private Loan 1 : Original Principal : {$40000.00} Interest Rate : 4.5 % Current Balance : {$35000.00} Repayment start date : XX/XX/XXXX Private Loan 2 : Original Principal : {$20000.00} Interest Rate : 4.5 % Current Balance : {$20000.00} Repayment start date : XX/XX/XXXX Federal Loan : Original Principal : {$17000.00} Interest Rate : 6.75 % Current Balance : {$13000.00} Repayment start date : XX/XX/XXXX I want to know why I 've only paid off a total of {$8100.00} from my original balances ( {$77000.00} ) compared to current balances ( {$69000.00} ), despite paying a total of at least {$44000.00} the past 7 years. 

The Story : ( An exerpt from a longer letter sent to the attorney general of XXXX ) When I moved to XXXX in XX/XX/XXXX, my employment was patchy at best. Despite years of working XXXX as well as a degree XXXX from one of the top XXXX schools, I was not able to land a steady job that would pay enough for my loans. 

On XX/XX/XXXX, I was hired at a small XXXX company, where I get paid around $ XXXX/wk. ( More if I work OT, like I did today. ) Once I calculated my take-home, I paid what I could on the Navient website. Two weeks later, when I was paid again, I paid what I could on the website. Still got the calls though. Called the collections dept. at Navient and set-up a payment plan of about {$350.00} every two weeks ( once again, when I get paid ). Gave the representative my checking account info, since I wanted the money to come out directly of my account as fast as possible. The first payment did n't go through. It was supposed to withdraw the day after I was paid, so the money was in my account, it was just a glitch on their side. Got a call that I was delinquent again, went though my information, paid them with a debit card as a one-off, but not the full amount for 4 weeks, just half of it. Two weeks later, the withdrawal did n't happen again. When it did n't happen again, I paid online, because paying online always works. As I later found out, paying online did n't do anything to the payment plan I set up. So every time I paid online, it still viewed my account as delinquent. In talking to a customer server rep, she said it would take a few payments to go through before my account was brought to current, maybe even less since I had been paying online. But since my payments were n't going through when I spoke to the rep, I felt like I was at a stand-still. The next time they called I lost my cool and got the number of the ombudsman. On XX/XX/XXXX, four months after I started a full-time job and in good faith tried to get a repayment plan started, the Ombudsman I spoke to ( XXXX - XXXX ) said if I set up a monthly auto-pay plan, my account would be brought current instantly after the first payment. And it worked. My account was immediately brought current and the payment went through. I paid four months of unnecessary late fees, credit score hits and constant phone calls, just because I did n't talk to the right person

Company response to consumer: Closed with explanation