Consumer complaint received 2022-11-11
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Navient on XX/XX/XXXX, and I spoke with a rep about the account. I was told that I did not recertify my IDR, but I told the rep that I faxed all of my information months ago before the date that it should have been done, but on the studentaid.gov site, it states that IDRs were not due until XXXX. Even though studentaid.gov had the message on the site, I still sumbitted my information anyway. I submitted my PLSF for my other loans, and I submitted my IDR renewal to be on the safe side because I had felt that it could be an issue, and at this time, it still seems that it became an issue. Unfortunately due to all of these changes and issues with student loans of so many lawsuits and information changing, I called and spoke with a rep ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX to inquire about what I saw. I was told by the reps, and they confirmed that I did not have to submit an IDR at this time due to changes, but I advised that I did anyway. When I did, they said that it probably would not be processed due to I did not have to do one because of the extension and the changes with student loans, so I was like ok and thought everything was fine. Now to fast forward, when I spoke with someone from Navient, I was told that I was behind 2 weeks in payment because I did not submit an IDR even though I know that I did. She did say that she believed that I did submit them based upon all the same information that I am providing here, but my issue is the miscommunication of all of these changes of the handling of loans from lender to lender. She said that if I did, that my application may have not been transferred over when the systems change which frustrated me due to I felt that this was not my fault. I told her that I would resubmit it, and she did offer to put me in a forbearance to allow me time to get the documents to Navient again and to allow them time to process it. She mentioned about the consolidations which I did tell her that I did consolidate a few of my loans, but not all of them due to the uncertainty of the changes with student loans. I didn't trust what has been going on so far, so I consolidated a few to see how things would turn out. She mentioned maybe consolidating my other loans, and I told her no due to the time frame had passed, and it would start all of my counts back over. She paused for a moment, and then agreed with what I said. For me these are the things of the miscommunication and incorrect information that can be provided to us as current or prior students that keeps us in this type of debt forever because of the neverending cycle of information that is given to us from the supposedly experts. Now, at this point, I am in a temporary forbearance due to Navient said that I owed {$670.00} because I did not renew my IDR when I know that I submitted it. I wlll submit it again, but I want this documented of the issues that I have had with Navient. I have had to place a prior claim of issue with them due to a lack of communication on their part still regarding payments and processing.

Company response to consumer: Closed with explanation