Consumer complaint received 2017-09-13
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is another complaint against Navient, unfortunately. 

I will start with the first case, and recap how poorly the second one was handled. I have had nothing but problems with this company since my loans was transferred to them sometime in XXXX. My loans should have been in deferment last year, and I sent in the proper paperwork, would get confirmation of deferment, then a week or so later get an email saying I was delinquent on my accounts. Navient and I went back and forth like this for months throughout XXXX. Finally, I stopped calling and refused to pay. They reported up to 120 days late for the 5 loans that I have with them. Finally, I called in late XXXX to try to work something out as my credit scores had dropped more than XXXX points across the board. 

It was that call that lead to the debacle I will write about later. In checking the 3 main credit reporting bureaus in XXXX, I noticed an error by XXXX XXXX, which was also contributing to my lowered credit scores. I finally got all of that taken care off a few weeks ago. I also stopped the bleeding with Navient by getting a deferment until XXXX XXXX. My credit scores improved over this summer in some cases by more than XXXX pts. However, I was shocked by the fact that XXXX, which has always been my highest score actually went DOWN initially. When it did rise, it did not as much as XXXX and XXXX. This was very odd. 

I recently checked my credit reports to find that Navient is reporting not five, but EIGHT student loans on my XXXX account. They are double reporting XXXX loans, with slightly different account numbers and balances, but it is easy to tell which loans they are double reporting. And for all 8 loans, I am being dinged with 120 days late!!!
I have disputed ALL 8 with a message saying that Navient is double reporting loans, which has to be illegal, and that I would file another complaint against them here. 
XXXX Summary of I recently went through with them this summer : After agreeing to cancel a {$3000.00} + payment, they went ahead and processed it. My checking account ended up being nearly - {$200.00} the weekend before XXXX XXXX. I could not even pay my rent. I contacted them repeatedly, but got no help. They blocked me from contacting their XXXX page. After coming here to file a complaint, someone named XXXX reached out from their customer advocacy department. Our phone conversation did not go well. She sent me an email to say that Navient would basically do me a favor by expediting the transfer of electronic funds back to my account, but then also send me a paper check, which I would have to return. It mad no sense, then again, NAVIENT makes not sense! 

What they did was transfer the money to my account twice, which meant that I had to go out of my way to get the money back to them. By the time we go to this part, the case had been transferred to someone name XXXX. XXXX contacted me frequently so long as Navient needed me to get that money back to them. She called frequently, she emailed frequently, and she was quite cordial. 

After I had paid to return money to Navient after the had caused me significant stress and inconvenience I heard absolutely nothing from XXXX or XXXX. They did not respond to my emails or phone calls. I was requesting that in return for the duress their mistake had caused me and the time it took to get it resolved, that they would advocate for Navient removing the negative information from my credit reports. I asked for this one-time favor since they were put there under dubious circumstances in the first place. I highlighted the credit score impact of that, as well as the difficulties I had when my checking account was nearly - {$200.00} at a time when I would have liked to travel for the holiday, my rent was due, and I was caused unnecessary stress at a time when I was nursing a severely ill pet. 

I got crickets from them! 

Nothing! 

I think there is enough information out there to suggest that this company is engaging in some illegal practices. Additionally, the way they treat customers is just awful. I have had to call up creditor after creditor to explain things to them because of how my XXXX XXXX has been impacted. This company seems to be interested in you when they need to get something from you, even when you have to spend time and money correcting THEIR mistake. But even when it is time for them to reciprocate even a basic interest in customers, they can not do this. 

They really should not be in business.

Company response to consumer: Closed with non-monetary relief