Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The primary borrower contacted Navient in XXXX 2017, and was told she had no forbearance option available. She was advised she could sign up for recurring payments, and that this was her only option. She did so in XXXX XXXX. Beginning in XXXX 2017, her payments started bouncing back, as she was experiencing financial hardship. I was not contacted via phone until XXXX XXXX, 2107 about the debts. I was not told at any point in time that I could dispute a debt. When I called, I asked about what programs were available bc the primary borrower did not have the funds to pay, as demonstrated by the several returned payments for insufficient funds. I was misled to believe I could pay {$64.00}, have the other two past due payments moved to the end of the loan, and the primary borrower could call in to find out what programs are available, as the Navient rep stated they change daily. He never told me she had 2 months forbearance available. I found out on XXXX XXXX, 2017, Navient reported 2 delinquencies for the loans to the credit bureau. I immediately called Navient to try to resolve, however they were not cooperative or helpful. During the several phone calls I made on XXXX XXXX, I was advised she has forbearance time. I agreed to pay the past due amount, and agreed to the forbearance for 2 months. This was not offered on my last call. This would have been helpful and avoided past due payments if they would have offered this option. I am willing to pay if there is a past due amount, and demonstrated that multiple times in the past, when there was an issue of non payment or late payment. I was told that because the primary borrower is on recurring payment, even if I call in to make a payment so her payment does n't bounce, they will still take the payment from her account. She has to have her account enrolled, because she agreed to the only program offered to her. Further, if she would have had the forbearance back in XXXX or XXXX when her first payment was returned, she would not have been 3 months delinquent. Also, they will call the primary borrower several times, and called me in XXXX, but did not give me an opportunity in XXXX when they actually sent the delinquency to the credit bureau. I pay over {$1100.00} per month in my own student loans. I have never had a delinquency on my credit. I pay all my debts on time. I would have paid the past due amount, or at least enough to ensure it was not reported on my credit, but was not given that same opportunity. As the cosigner is just as responsible for the debt, and will be affected by negative credit reporting, I should receive a phone call, as is Navient 's demonstrated regular business practice, to say if I do n't make a payment that day, I would be reported. I made two payments both days I spoke to Navient to avoid reporting, however they still reported me without giving me an opportunity to resolve the past due amount. I have attached my bank statement showing I made payments both times.

Company response to consumer: Closed with explanation