Consumer complaint received 2016-05-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX I called Navient to get my XXXX XXXX payment drafted out of my account on XXXX XXXX because that is when I got paid. On XXXX XXXX they tried to draft my account and left me with a {$32.00} Non-sufficient Funds fee. I called them and let them know what happen and one of the reps name XXXX said that she can either refund the money or skip XX/XX/XXXX 's payment. I chose to skip XX/XX/XXXX 's payment. So, on XXXX XXXX {$50.00} came out for the XXXX XXXX payment which was fine. So, on XXXX XXXX I received a letter from Navient stating that a payment for the {$50.00} would come out XXXX XXXX. I called Navient again and explained to them that I am now receiving a letter stating that in XX/XX/XXXX a payment would be coming out XXXX XXXX instead of XXXX XXXX. They said everything is OK on their end, and that my payments will come out on XXXX XXXX. All of a sudden Sunday Morning XXXX XXXX I look into my account and see that my account was overdrawn the {$32.00} Non-sufficient Funds fee again. They tried to take another {$50.00} dollars out on XXXX XXXX. So, I called and Spoke with a representative by the mane of XXXX XXXX, I explained to him what happen and he told me that he does not see where a payment came back to them, I told him I would email you proof that Navient drafted my account for XXXX 's Payment after I was told by XXXX that they were skipping XX/XX/XXXX payment. I email him the same day : XXXXXXXXXXXX and gave him my bank statement showing proof what I Navient did. And also, when I was explaining to them what happened from the beginning, XXXX act like there was nothing in the notes from when I spoke with XXXX from the beginning. No one looked at the notes to see what was going on. He just went back in forth with me about what he did not see. So, I emailed him Monday and called him back Monday to see if he received my email. I was told by a rep that he would call me back with in an hour on Monday, XXXX the XXXX. XXXX never returned my email or call. It is now Thursday and XXXX has not interacted with via email or phone. 

THE ATTACHMENTS THAT YOU SEE ON PRODUCT INFORMATION ARE SHOWING WHEN THE TOOK ON THE XXXX XXXX PAYMENT XXXX XXXX AND THEN THEY TURNED BACK AROUND AND TRIED TO TAKE OUT ANOTHER PAYMENT ON XX/XX/XXXX-THE ( XXXX CHECK ) SHOWS THAT NAVIENT TAKES THE {$50.00} OUT EACH MONTH. THE WEIRD PART ABOUT IT THAT IF YOU LOOK AT MY NAVIENT ACCOUNT IT SHOWS THAT THEY TOOK OUT A PAYMENT ON XXXX XXXX BUT I DID'NT PAY ANYTHING XXXX XXXX, WHEN THEY TOOK A PAYMENT OUT XXXX XXXX THAT PAID XXXX XXXX. THEY BILLING SYSTEM IS FISHY TO ME, AND SOMEONE NEEDS TO DO AN INVESTIGATION NAVIENT. THEY ARE BEING SUED OR HAVE BEEN SUED AND HAVE MULTIPLE COMPLAINTS FROM THESE PEOPLE. 

I HAVE ATTACHED THE COMPLAINTS FROM OTHER CONSUMERS AND A SNAP SHOT OF WHEN I PAID THEM AND HOW IT SHOWS THAT I PAID THE XXXX XXXX. I PAID THEM XXXX XXXX FOR XXXX XXXX, BUT NO PAYMENT CAME OUT FOR XXXX XXXX.

Company response to consumer: Closed with explanation