Consumer complaint received 2016-01-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I contacted you about Navient XXXX/XXXX/XXXX. They contacted me saying they never got the XXXX paperwork from my doctor. I was on the phone with them on XXXX/XXXX/XXXX at XXXX XXXX and spoke to " XXXX '' in the " advocate 's office. He aid I could email the doctor 's XXXX page form. I sent the doctor 's form as a XXXX page PDF document via email to XXXXXXXXXXXX " XXXX : XXXX XXXX '' per XXXX 's instructions. I stayed on the phone until " XXXX '' confirmed they received the doctor 's signed forms AND could open them. XXXX said XXXX will contact me if any other information is needed, and that it could take up to a few months for them to review it. 

Navient called me in XXXX about the bill saying THEY NEVER GOT the doctor 's forms. This is puzzling due to my email record of the items sent AND my conversation with " XXXX '' NOW there is a new FDCPA violation. I was called 4 times in one day and talked to them each time on XXXX/XXXX/XXXX. As an ex collection agency employee, I can call many times if i get a busy or no answer but if I talk to a debtor to make a demand I really should not all XXXX times in a day. If I did not have money at XXXX, XXXX, XXXX, how would I have it at XXXX? 

I asked for another XXXX form for another doctor to fill out ( XXXX ) and was told if I borrowed when I was XXXX I still have to pay. 

I did not know I was XXXX because I worked and was never given a XXXX. The way I found out I was " technically '' XXXX was when I filed for Social Security XXXX in fall of XXXX. THEY said they determined I was XXXX in XXXX. I was working in XXXX through XXXX as a XXXX ( I have taxes to prove it ). 

so the facts : ( 1 ) I did send in the first XXXX forms via email and Navient is denying receipt ( 2 ) XXXX calls in a day to make demands ( I kept them on the line for evidence that their call lasted longer than a message ( 3 ) refusal to acknowledge that if I was XXXX per Social Security I HAVE A NEW diagnosis with mental health that Navient will not give me time to prove ( 4 ) I told Navient per XXXX I had to wait until after XXXX XXXX, XXXX to get an appointment with the XXXX services because I have a plan that has a low-income component ( XXXX XXXX ) so I have a plan that has a government paid " supplementary plan '' that takes effect AFTER XXXX/XXXX/XXXX. Navient refuses to allow me time to get the appointment with XXXX services and signature on the form. 

( 5 ) I am poised to have mental health records from past XXXX services sent to the new service but know THEY have to see me before they go by any previous diagnosis AND because there are new mental health issues - a NEW diagnosis of XXXX NOT at the time I took out the loans. 

( 6 ) My family is concerned because I am afraid to answer the phone and leave them off the hook, I told them XXXX have been affected ( I take XXXX XXXX meds ) and that if anything happens to me, it is because I am not sleeping or having bad dreams related to Navient, and because my XXXX could cause me to have a medical " incident '' ( 7 ) I put a Navient XXXX this morning that I want to find others who were treated like me to gather momentum for a class action suit. I did not direct it to Navient BUT KNEW they would catch wind of it. They called to make a demand and sent me XXXX emails - XXXX with a demand ( they NEVER sent an email demand before today ) and XXXX with a XXXX reply to me : Hi : Pls email XXXXXXXXXXXX w/details of what you 've experienced. Our team will review and reach out. Thx : XXXX ( 8 ) I think Navient has broken enough FDCPA regs and disallowed VALID medical/mental health claims of XXXX. 
I will use all social media to get however many XXXX " victims '' Navient has declined or " hammered '' to instigate a class action suit. THE XXXX NEEDS HELP NOW.

Company response to consumer: Closed with explanation