Consumer complaint received 2020-02-13
Company: Navient Solutions, LLC.
State: NH
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:
In XXXX, I became permanently XXXX and was on XXXX by XXXX. I never got anything in the mail until after my whole ssdi check was taken by law firm stating default on loan payments and until paid they will be taken out of my ssdi and i got on the phone and spoke to this law firm and they told me i was defaulted on A loan when i was actually in Forbearance, so after XXXX and more stress and worried about living without a check, they talked to me for hours and finally allowed XXXX month taken out of my bank account since XXXX and when they sold it to another company which then was XXXX XXXX XXXX they continued to take XXXX but i still got calls from those companies stating interest and fees Ill never pay the XXXX loan off and i would say well you said u dont have anything for those who are permanently XXXX like my other loans each time said no this is completely different So in XXXX my account should have dropped plus i noticed it was not and hasnt been showing on my credit report that i have a loan or made payments monthly since XXXX. 
Also when i discovered that this loan absolutely could have been written off i called and first i asked if they had anything to help some type of program for permanent XXXX she said no thats when i said well my lawyer said incorrect then she said oh Ill mail it to you now and i said i already mailed it in and reported you to the department of education and consumer complaints and 4 months later loan sold off to another company and they stopped taking money out of my account - i got calls from collection agency stating i owe on this loan i have not paid anything since XXXX and its been in default for A while which is not good for your credit. I said i have no idea what your talking about send me information and i also said this has been paid on since XXXX and current. He said no u are in default you stopped paying on this loan in XXXX and now we are attempting to collect. Then explained Im permanently XXXX and this should have been written off and they said well you really want to put this on your dad to pay he is your co signer i said he is permanently XXXX and has been my whole life so good luck but wanted money from me and i refused. 
I got 2 letters in the mail one for me and my dad offering us each to pay XXXX and one of us who takes the settlement will be removed from this and then the other one repays the loan and if agreement to settlement then we can not discuss any claims or actions and they will not take any liability for any claims made against them. 
Again they also have never had proof on my credit report that i paid on time since XXXX of XXXX which is when they sold it and stopped accepting payments. 
XXXX was when they had A debt collection lawsuit hired law firm and took my whole ssdi check Collection letters, high interest rates and fees also harass me about more money and i even told them i have XXXX and i can not be stressed out that many times Ive had one on the phone and also sent to the hospital over loan in fear i was in legal trouble Was never given any options and now i have XXXX XXXX XXXX XXXX calling and sending letters on behalf of Navient My bank account will prove that i never stopped paying and it was taken out monthly Also credit report shows nothing of this loan or debt owed or paying monthly - nothing at all.

Company response to consumer: Closed with explanation