Consumer complaint received 2016-09-30
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
13 months ago I set up automatic payments with Navient under a repayment plan that I could afford. This was working great or so I thought. The payments were set up to come out on the XXXX of each month, and they did. This continued on for a year ( I had to allow them to take automatic payments out for a year in order to obtain the payment plan I have and after the 12 month period was over I would start making manual payments of the same amount. ) Well, that year has come and passed now and I made my first manual payment. When I did this I noticed tons of late charges though.I had noticed this at the beginning too, shortly after I set up the loan repayment plan and I called Navient then too to inquire. The agent told me not to worry about it that it was a product of how my repayment was set up in their system. So I did exactly what he said and pushed it to the wayside, out of sight out of mind. 

When it came time to make my first manual payment I had to call Navient to figure out how I was supposed to pay it as the instructions they gave me were not lining up with what I was seeing. Through this I discovered that the reason it was not lining up is because these late charges were in fact NOT to be ignored, they were real and a result of how they set up my payment in their system. Because it did not fall on the proper date to line up with what they had my payment date set up. 

So despite me making the same payment for 12 months on time, on the same day, I am not left with over {$800.00} in late fees because of Navients mistake, misinformation, and careless disregard for their customers. I was lied to and I have it recorded. 

I attempted to get someone in their collections department ( I think that is what they called it ) to reverse these late fees/charges. But because I confirmed that I was receiving a bill from them they have washed their hands of any responsibility for the error. This is wrong. I will continue to contact Navient to try to get these late feeds removed/redacted. 

Unfortunately it has rained havoc onto my credit as well and that is what prompted me writing this -- a loan underwriter denying me because of late payments to Navient. Which is not true. I have payed them on time every month for the past 13 months now, at least. 

I would have to do some research, there have been times where I could not make the full payment they were asking but I payed what I could. This actually goes much further back than 13 months, they have been charging me late fees for 2 years. I can guarantee though that for the last 13 months the amount I have been paying is the amount that I am supposed to pay ( if this makes sense. ) I can do more research if it would help, however I do n't want to place a ton of effort into this unless I know something is going to be done about it. Likewise, if something is going to be done about this I have my conversations with Navient recorded.

Company response to consumer: Closed with explanation