Consumer complaint received 2016-05-24
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On or about XXXX, I applied for a student loan through The XXXX XXXX University, with XXXX XXXX ; now known as Navient. During that period the loan was dispersed to the college and applied to my fees. Into the second term, I dismissed myself from the University, due to a death in my family and a divorce. At that time XXXX things took place, in reference to my financial aid, at The Ohio XXXX University ; another loan was dispersed from XXXX XXXX and I had started an allotment, which was for {$140.00} a month that began my repayment, on my own. I was not aware of the second disbursement to The XXXX XXXX University, until 2 years later, I received a canceled check and XXXX XXXX, had collectors calling me and threatening to file an action suit on me, for non-payment. After contacting The Ohio XXXX University, on repeated occasions and denial that they had ever received my second loan/ had knowledge of it. I was forced to prove they had it, which was when, they finally, acknowledged that they had the second loan disbursement and had actually, began using it, on the grounds that I had failed to register. At that point, The Ohio XXXX University, stopped communicating with me, the borrower and made all their transactions and agreements, directly with XXXX XXXX and Navient. I was completely closed out of my own transaction, denied any documentation, as to when they received the loan disbursement, how long they had it, any communication between them and XXXX XXXX. Likewise, the lending Institution performed the same procedure, staying tight lip on the, go between, hidden transaction. all, I received from The Ohio XXXX University was conformation, that the transaction was complete. 

My previous and present request/ demands, as per the Loan Disclosure Laws, as related to XXXX XXXX and other applicable Laws. 

I made XXXX XXXX request from XXXX institutions to provide me full self-disclosure of my records starting in XXXX to date. In addition, I I requested that The Ohio XXXX University provide to me, as to why they held onto my loan, and denied it was in their possession, forcing me to prove they held it illegally for two years. Then, I requested from the lending institution provide me with why they were not aware of the loan how they applied it to rid the interest that built up yearly and why they kept stopping my loan payments, after I made numerous calls to not stop my payments and numerous letters, that are not on file. After I started my loan payments back again in XXXX, I find out that shortly after, they stopped them again and the interest has built up, to over {$2000.00} dollars, as a result of their negligence and The Ohio XXXX University, working in secret to give the impression of so-called " opportunity loans. ''. 
My latest letter, dated XXXX XXXX XXXX is requesting that as a result of Navient shear negligence in stopping my loans payments, that they do the following : 1. Give me credit for payments of each month, in which they ignored my request and stopped my payments that ranged from $ XXXX {$150.00} per month 2. Exclude all interest from when I started my payments, voluntarily, up to when the loan payment starts back up 3. Provide me full disclosure of all transactions of my financial records and correspondences, with the Ohio XXXX University and myself, written and verbal. 

All the financial institution done was stat sending how much my loan is and that no payments are being made. A worker told me, that if I paid my loan off early, that I would be hurting the company and as a result, they would fine me a service free for early payment. 
I have provided documentation that supports my claims of payments, but the institution does not have everything listed transaction wise, leaving room that something shady is going on. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation