Consumer complaint received 2022-01-26
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am filing a Complaint against Navient. I am the XXXX on 4 Student Loans for my Daughter. 
Loan 1 Payment is XXXX Monthly Loan 2 Payment is XXXX Monthly Loan 3 Payment is XXXX Monthly Loan 4 Payment is XXXX Monthly Presently Loans 1-3 are current and I am making the monthly payments. Navient Representatives keep calling me harassing me and threatening me about Loan 4. The first time speaking with Navient I explained that I could not make the payments for Loan 4 and neither could my Daughter. The Navient representative suggested that I go into Forbearance until I could start making payments for one month, I accepted. The next month they suggested that they could lower my monthly payment to about XXXX month and make three consecutive payments and that would bring me current. I explained that I could not afford that monthly payment and said that the most I could do was XXXX dollars a month. 
Navient said that was not acceptable. Since XX/XX/XXXX, I would get calls from Navient 5 and 6 times a day morning, noon and night up until XXXX PM Monday-Saturday. It got to the point, that I was about to change my number. On XX/XX/XXXX or XXXX XXXX, I received a call from Navient Representative a XXXX or XXXX XXXX, saying that she could help me with my payments, I explained that she could not help me with my problem and she said that I have not talked with her before and that she believes she can, so I let her talk and explained what she was trying to do. She explained that if I could make monthly payments of XXXX or XXXX for nine months consecutively and then resume my schedule payments all would be current. I explained that the most I could do is XXXX month. She then said that she could not help me and asked me for the Daughters information which I declined. This tells me that since she could not get me to agree, she would then harass and probably threatened my Daughter. 








She also let me know that a letter for xxxxx would be sent. So, bottom line is, if you dont accept their terms they will not work with you. Again, I am offering to pay monthly on the account XXXX monthly and Navient is refusing to take my monthly payment. I am showing a good faith effort. I have tried several times in the past with a simple solution. My solution is to forgive Loan 1 which will be paid off in XX/XX/XXXX, or forgive XXXX of the XXXX that is due. The money from Loan 1, I could make the payments. As always, it falls on deaf ears. All Navient is concerned about is the money and lets not forget about the interest on these loans ; Navient is not really trying to help people, they are more concerned about their bottom line. As of XX/XX/XXXX, Navient sent me a Litigation Review Pending Letter to seek judgement against me. I received the letter Saturday XX/XX/XXXX. If I don't respond by XX/XX/XXXX they will move forward with there litigation. Everyones circumstances are different. I am XXXX XXXX XXXX and hopefully would like to retire when XXXX XXXX XXXX XXXX. I should not have to worry about Student Loans or getting harassing phone calls or mail. XXXX loan will not be paid off until XXXX, I will be XXXX XXXX XXXX getting phone calls about student loans, if not me than my daughter will be getting the callsTHIS HAS TO STOP. Your help in this most urgent matter is greatly appreciated.

Company response to consumer: Closed with explanation