Consumer complaint received 2017-03-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I took out a Student Loan in XXXX XXXX in the amount of {$4500.00} from XXXX. When I graduated in XXXX, I started to repay my loan through direct deposit directly to XXXX. I was paying faithfully, when I noticed in XXXX that the bank stopped taking my payments. I went to XXXX and asked why they were not taking my payments anymore and they told me that they sold my loan to " XXXX ''. I called XXXX and tried to make arrangements to continue paying. I sent several payments to XXXX and when I asked for my balance, I noticed the loan balance was not going down. I went on forbearance with XXXX in hopes I could get an accurate balance. 

My personal information was accidentally released by my employer and a few weeks later I started to receive letters in the mail from no less than XXXX different Collection agencies, requesting that I immediately pay each one of them for the student loan. I think my information was used and now scam artist are trying to solicit me and cheat me out of money. 
XXXX sold my loan to a company called " XXXX XXXX XXXX XXXX '' and they automatically said that I owed more money than I originally borrowed. Within a few months, XXXX XXXX XXXX XXXX sold my account to Navient. I received only XXXX letter from XXXX and they told me that " Penalties and interest '' are being added every minute and my balance is way more than I borrowed originally. Navient told me that they could not take any payments because they sold my account to a company called XXXX and they will ask for way more money. On XXXX, I called XXXX XXXX and asked if I could just repay what I owe to them. XXXX XXXX told me they can not accept any payment for loans. 
My loan had been sold to so many different collection companies that I did not know who the real holder of my account was. I received advice to contact the Department of Education Ombudsman Program, so I filed several cases with them, requesting they look into this. To this date, the DOE Ombudsman has not made any contact with me at all. I do n't know if the program has been discontinued or that they just do n't care to take my case, but a call back or anything would have been appreciated. 
In XXXX, XXXX on the phone, I spoke with an individual at " XXXX '' - a hired private collections agency and representative of NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We came to an agreement on a dollar amount for me to pay in full and that this would clear the entire debt up and they would no longer pursue any debt collections actions. The dollar amount and agreement we had ( IN WRITING ) was for me to pay {$3900.00} to " XXXX '' and they would clear the debt in full. I asked the representative at " XXXX '' to send me this in writing and I would send the payment in full. 
A short time later, I received a letter from XXXX and it was exactly the amount we had agreed to. I went to my bank and drafted a Cashier 's Check ( XXXX XXXX XXXX XXXX XXXX - Check number XXXX ) which included notation of " Student Loan- Paid total as agreed ''. I sent the payment in full to " XXXX '' through the United States Postal Service under tracking number # XXXX and I received verification that they received the letter and payment. On XXXX XXXX, XXXX " XXXX '' cashed my check and accepted the payment in full as we had agreed. 

I thought this was the end of it and all the phone calls, letters and collections efforts stopped. Throughout most of XXXX, I did not receive any correspondence in reference to this alleged debt. When we went to file our taxes for the refund, Navient took more money out. I have more info.

Company response to consumer: Closed with explanation