Consumer complaint received 2017-05-31
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern : I, XXXX XXXX am writing to dispute 2 Federal Tax Offsets. The 1st occurred on XXXX XXXX, XXXX in the amount of {$550.00}. This was done in error. I have a Federal Student Loan that has been serviced by Navient. In XXXX of XXXX I was informed that my loan was in default do to non-payment. Naviant had been sending my all mail correspondence to an address in XXXX, XXXX which I was no longer living. I was then put into contact with XXXX and referred to a student loan debt recovery company on behalf of XXXX. I went through the debt recovery program with XXXX XXXX XXXX and started payments of {$100.00} a month for 9 months, and made my first payment to them on XXXX XXXX, XXXX. Before these payments were arranged and before I was able to go through the recovery program, I had to give XXXX all of my correct contact information, as well as XXXX XXXX <P/>A Federal Tax Offset in the amount of {$550.00} went through on XXXX XXXX, XXXX and a portion of my debt had been reduced in that amount. After the 9 months was completed and my last payment made, on XXXX XXXX, XXXX, my loan was then sent from XXXX XXXX, back to XXXX, in good standing. As of XXXX XXXX, XXXX my loan was in good standing and sent back to Navient. <P/>At this time, I was living at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. My loan was sent back to Navient and received by them on XXXX XXXX, XXXX and not one time had I received ANY correspondence from Navient regarding my loan. My address did not change until XXXX XXXX, and again most recently in XXXX XXXX. <P/>My family and I have moved to XXXX in XXXX of XXXX. The same situation happened again on XXXX XXXX, XXXX, the second Federal Tax Offset. I received a letter from the Treasury of the United States, informing me, that once again, my loan had again gone into default. This time I was not eligible for recovery, being that my loan was once again in default. The treasury, by federal law, had sent my Federal Tax Return, in the amount of {$7600.00}, to XXXX to settle the debt. <P/>At this point I had no idea my loan was even in default, due to Navient not having the correct address in which to send my correspondence. Navient had a little bit over a year and half to send me letters informing me of my loan situation. As of XXXX XXXX, until now, XXXX XXXX, I have not received any correspondence from Navient informing me of the status of my Federal Student Loan. Navient received all of my updated contact information as of XXXX XXXX, XXXX, and still failed to send correspondence to the correct address that was provided to them by a company they hired to collect a debt from me ( XXXX ). This loan has been sent to default in ERROR, again, by the original servicer of my loan, Navient/XXXX  XXXX. <P/>I would like to get this disputed right away!! My family and I have been going through a hardship since this error occurred. Like every other American, after we got our taxes done and were told we were getting a tax refund, we went and made payments and purchases. With that being said, by Navient moving my loan into default, and causing your company to take a Federal Tax Offset of our tax refund, we had to take cash advances on our credit cards to make up for the loss of these monies. This whole situation has put stress and strain on me and my family. I would like this situation resolved in a timely manner. <P/><P/><P/><P/>Thank you,

Company response to consumer: Closed with explanation