Consumer complaint received 2022-10-23
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To whom it may concern : I have filed a complaint with the CFPB years ago, called the Ombudsman, anyone that would try and help me with " Sallie Mae/Navient. '' I have the original emails from years ago. And Nothing was done. So I have beyond paid the price for their false statements, charges that were not consistent, destroying my credit report for years ; for 2 private loans from XXXX, that they removed deceased members from like they were never on there. Not producing itemized documents to me, promissory notes that did not even go with the loans that I had taken. Also, the school is closed. It has been for years. It was apparently a private college-non of the credits were transferrable and truthfully none of it makes sense. So for all these years my XXXX XXXX has paid them-because they would negotiate with me. You guys didn't help me, due to an out pouring of complaints. So I had no other choice. For the sake of saving my credit. No attorney would take my case-due to the fact that during that time had a government affiliation. It's been a nightmare. I really was beyond swindled from the beginning. 

So today, I sit here ; with literally the same amount pretty much as XXXX. I am XXXX years old now. No degree. At the XXXX school these loans were taken out from was " XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Michigan. '' I have also tried throughout the years to file for it to cancelled to through them, due to the fact that the school has been closed for years. Never have I been eligible. Which legitimately makes no logical sense. 

Well, My XXXX XXXX XXXX, unfortunately passed due to XXXX  on XXXX, my birthday. I also today am a XXXX  parent ( BY CHOICE-NO VICTIM ) of a XXXX year old little boy that misses her like crazy just as I do. ( I apologize for the single parent comment, but some people use that as an excuse. I don't his father is not involved-no child support, and long story short I wasn't supposed to be able to have children, so he is my miracle. ) We all lived together. He was born in our home. ( Her home ). My dad passed when I was XXXX years old, so my Auntie-never married, and having no children, I have always been like her daughter & she was like my other parent. 

She left me everything. But, of course, she was on technical terms my mom 's first cousin, so I guess even though she died at XXXX years old, and was like my other parent-im techinically a 2nd cousin. So I took everything I had in my XXXX to bury her properly. NO HELP. Then the last {$4000.00}, I had to hire an attorney, to fight all of the first cousins for the estate. 

So naturally with all of this stress, it took me a minute to call Navient. When I did in XXXX, they would not negiotate payments. They put me on an interest only program reducing the payments from $ XXXX {$360.00} to {$150.00} or {$140.00}. 

Clearly, I took over the entire house of bills including homeowners, taxes, her car, etc ... .while in probate. So I am juggling a-lot. They have continuously came up with excuses on why they aren't taking the payments. I am behind, etc. It's insane. I am on the verge of a XXXX XXXX. So out of no where, last week I check my online banking-I am overdrawn due to them taking {$300.00} out-two times getting another {$66.00} in total of fees, for a payment I never authorized and did not set up.? I called my bank. I couldn't see what or who it was. They told me. I called navient immediately. They were so rude said I screwed up the payments, all of these excuses. He said I was not eligible for income based anything. He would file a dispute. I said what about the {$66.00} dollars you just caused me. He said yeah you're not getting that back. This was XX/XX/XXXX. I would have never set this up. I need gas to drive my son to school, work, pay my car payment, and I had to pay a cash advance which I never have done before on that friday XX/XX/XXXX. 
So I borrow {$500.00} from my mom 's best friend XXXX. To ensure when my check gets deposited Friday, plus XXXX, I could pay the loan friday and still be ok. 

XXXXNavient took the money out of my account again. Sending me getting gas etc, into overdraft ... .again. 

I literally at this moment am sick. I had to take another cash advance. I am beyond words. My XXXX Probate trial starts this week. I dont know what to do anymore. 
I have proof of every single thing. Please help me. This is illegal.

Company response to consumer: Closed with explanation