Consumer complaint received 2018-11-30
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I talked to navient maybe a months ago about not being able to keep up with the $XXXX  payments becuse my income is barely XXXX  months. When I talk to the person in charge of my account at that time they explain to me to go ahead and call back and they would work something out when I could make payments again. They did not say that my account would possibly be sent to litigation and again I explained my financial hardships that I just couldn't afford to do it at that time. Since then I got a call about a good-paying job I start towards the end of XXXX and I called navient last Wednesday and spoke to a man by the name of XXXX. He explained to me because I hadn't made the payments in a month and said that it was breach of contract that it was now going to be sent to litigation, but that I could set up three monthly payments of $XXXX  and come XXXX  work out a way to get back in the payment program. I called him today to make $XXXX payment and he added as I was talking to him that even though I'm squeezing what money I can to do $XXXX  payment this month's one in XXXX and one in XXXX  and then he said we would revisit doing a payment plan, because my accounts is in a discharge status. He went on to tell me even though that I'm making these payments to show good faith and paying my loans that my account could still be sent out to litigation so again this is the second time I've tried to work with navient and I cannot get anywhere I've had a lot of financial hardship and they tell me one thing when I call one time and then the next time I call they go well this might not do anything. I have XXXX  and the way that they have treated me over the years and especially previous to this they were always degrading and would not let me talk and interrupting me. I've told them over and over again my financial status what I can afford and they were never willing to meet me halfway or say will take what you have because at least you're trying to pay. I do not understand how navient can do this to people when they are willing to pay what they can afford my income is very limited and this is not stress that I need considering I have a XXXX. I hope in reaching out the Consumer Financial Protection Bureau again that there could be a stop to this because my hands are tied financially and I have to be able to pay bills and eat. I'm concerned that if I make these other payments that may still get sent to litigation in which case they will ask for I believe up to $XXXX at once and there is no way I can afford to do that. I hope again the Consumer Financial Protection Bureau can help me in this situation because there's absolutely no reasoning with these people on top of the fact I have record of excessive phone calls up to four times a day for a month month-and-a-half which I'll gladly provide. Most of my conversation with customer service at navient has been degrading me greatly saying I had x amount of years to pay this off but not understanding that people have Financial hardships I'm stuck between a rock and a hard place. They will also tell me one thing and then say something else when I call back so I'm never getting a straight answer. I need the help of the Consumer Financial Protection Bureau to help in putting me into a payment that I can afford that allows me to pay off my student loans otherwise I'm never going to be able to pay this off. If it was up to me I would have never taken loans but I'm from a single parent family very low income and I did what I have to do to get my education so that I can better myself. When I told them that I would have to reach out and file a complaint with some sort of Protection Service, they said that it's a breach of contract and it nobody could do anything about it and it's very frustrating to try and work with people that are unwilling to work with you regardless of this or any situation I'm willing to do what I can but I can only do what I can afford I got to eat and pay other bills too. Even the payments that they offered me before we're still more than what I was paying originally it just makes no sense they want money but they don't want to work with anybody to come up with a way that they can get something from people regardless of how old the loan is. 

Excessive harassing phone calls I received from navient from 2017 so everybody can see how aggressive they are in their unfair debt collection practices


XX/XX/2017- from phone # 6 navient 
XXXX
XXXX
XXXX
XXXX
XX/XX/2017- from phone #  7 navient 
XXXX  
XXXX
 XXXX
XXXX
XX/XX/2017#-7 and #6 navient 
XXXX
XXXX
XXXX
XXXX
XXXX
XX/XX/2017- #6 and# 7
XXXX
XXXX
XXXX
XXXX
XXXX
XX/XX/2017-#6
XXXX
XX/XX/2017
XXXX XXXX XXXX XXXX XXXX
XX/XX/2017
1XXXX XXXX XXXX
XX/XX/2017-# navient 
XXXX XXXX XXXX XXXX
XX/XX/2017
XXXX XXXX XXXX XXXX
XX/XX/2017-navient#8 and 6
 XXXX XXXX XXXX XXXX XXXX
XX/XX/2017-#6 and 8
XXXX XXXX XXXX XXXX XXXXXX/XX/2017#8and 9
XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/2017-#8
XXXX
XX/XX/2017
XXXX
XX/XX/2017-#

Company response to consumer: Closed with explanation