Consumer complaint received 2016-12-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I would like to request your help in paying off my signature student loan.I have tried talking to several Navient agents, but no one has helped me in resolving my issue.The customer service agents, have been disrespectful and condescending to me when I have tried explaining my financial difficulties and immigration challenges and asked for help in resolving my issue with the loan. They just threatened me that, they will find ways to nail me and the cosigner and affect credit rating badly. They also mislead me into a settlement offer and after XXXX payments now not cooperating to honor because of a technicality. 
I have a signature student loan with Navient under my name : XXXX XXXX Account # XXXX. I deferred payment during college and started repayment immediately upon graduation in XX/XX/XXXX.I have made consistent payments all throughout until now.Earlier this year I was laid off, could n't afford monthly payments any longer. There were several collection calls to me and my cosigner. My cosigner is not financially able to support me with the loan or bear the burden of the loan.He offered to help in a small way personally and asked me to payoff the loan.I requested a payoff for the signature student loan and an agreement was reached for {$3600.00}. I had made arrangements for payments in XXXX and XXXX. According to my bank, initial payments were made successfully in XXXX and the final payment scheduled for XXXX XXXX failed to go through. When I checked with the bank, they said, it was over {$1500.00} and came on a Sunday night, and usually for those amounts, they would call and verify to validate the transaction, because of this technicality the third payment did n't go through.I have tried to call from that day and speak to several Navient agents to try and explain this situation and ask to resolve the issue to pay off the loan.The agents keep reading off notes from the computer and were not interested in cooperating with me to find a solution so I can payoff the loan.In reality I have been unemployed since XX/XX/XXXX, I have to leave the country next week due to immigration rules.My consignor currently is not financially able to pay or bear the whole loan.My sister has loaned me the settlement money to peacefully resolve the loan and not get a bad name.I would like you to kindly review my payment history attached to see that I have made payments since graduation and also worked to setup settlement to payoff the loan, when I got laid off, in the settlement letter attached. I have provided the bank information and payments have successfully posted during settlement. The last payment failed to post because of a technicality.I am requesting your help in resolving this matter.I just need a new payoff amount to completely payoff the loan and close the account.I want Navient agents to understand their job is to help resolve issues and NOT attack the customer. I want Navient to consider situations and work toward repayment solutions and not focus on siphoning money as much and as long as they can, by refusing to cooperate with me on repayment options.I want Navient to understand that I can only pay from the resources I have, when I have been unemployed for a year, I am borrowing money to settle the loan, a settlement amount should be offered to which I can commit to and in a position to borrow and pay.

Company response to consumer: Closed with explanation