Consumer complaint received 2016-09-01
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Where do I start? My family decided to get a financial advisor to help clean our credit, and what he found had me beside myself. I got a private parent plus loan with my mom in XX/XX/XXXX ; the loan ballooned from {$6600.00} to {$15000.00}. In XX/XX/XXXX my mother filed bankruptcy, at the time my family and I was dealing with the economic crisis. During this time XXXX XXXX reps. called me constantly although I explained to them my mother was in bankruptcy chXXXX, they would even call me on Sunday mornings, I could n't pay them since I was in school so they would make me call my mom on 3-way so that I could ask her to help me pay the loan or that it would default on my credit, ( come to find out they would ask me to call my mom on 3 way because they legally could n't contact her ). Although my dad handled the bankruptcy, my mother and I did n't really understand the laws about bankruptcy other than creditors was n't supposed to call. During XX/XX/XXXX and XX/XX/XXXX they would call and threaten me with default and bringing me to court. The first call that gave a turning point was when a rep. from Navient called me and said my loan had been switch over to them from XXXX XXXX and if I do n't pay that day they would default the loan the day after. So I paid. I 've been harassed by Navient since my mom filed bankruptcy since XXXX. Fast forward to now, XXXX days ago I found out from my our financial advisor that the loan was included in the bankruptcy and discharged through bankruptcy chXXXX giving the loan a zero balance on my mom 's credit report. However XXXX XXXX was n't satisfied with the bankruptcy payments, so they compromised a plan to get {$15000.00} from me on {$6600.00} loan that was paid in bankruptcy. I have XXXX account numbers XXXX from XXXX and XXXX from navient. What XXXX XXXX did was transfer my moms private parent plus loan to navient as a federal loan so that they could have ground to collect payment. Because I made a payment because the rep. said the loan would default, it sent my account into repayment status. I HAVE THE DOCUMENTS WHERE MY FINANCIAL ADVISOR SHOWED ME THAT THE LOAN WAS PAID IN BANKRUPTCY COURT IN FRONT OF A JUDGE!!!! They had me paying on the loan that has already deemed paid for. They could n't make me pay it as a private loan because it was discharged in bankruptcy court, that 's why it was transferred to Navient as a federal loan so that they could still collect. When I told them I was n't working and had no money they said my husband had to pay for the loan, this can be proven since XXXX % if not all the payments was paid with my husbands debit or credit card. Here are my XXXX account number XXXX XXXX Private XXXX Navient Federal XXXX both of these accounts are for XXXX loan. Not only do I have to get a lawyer to right this wrong, but now my information is in XXXX, my social security number and all my personal information in a country that has no right to abide by our laws in the US. 
Since I found out this information I have not been able to sleep, I 'm agree and hurt. I remember the days and nights that they would call me with threats, nights my husband and I went without utilities and food just so that my loan would not default. It 's just hurtful how this company which is supposed to be trusted take advantage of students who already cant afford school.

Company response to consumer: Closed with explanation