Consumer complaint received 2015-07-13
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
To Whom It May Concern : My name is XXXX XXXX and I am beyond frustrated with Navient formerly known as XXXX. I have been having an ongoing issue with them for the in regards to XXXX private loans that went into default. I was enrolled in a new loan program that was supposed to assist me with paying toward my interest/principal balance, this was supposed to be a more affordable payment for me. I made my XXXX 3 months of payments on-time then I called in XXXX in regards to a payment and then I was informed that XXXX out of the XXXX loans that were supposed to be combine it these new program were n't. So XXXX loans were defaulted. I called and filed a compliant nothing was done. Then they had their account auditor ( Obudsman Dept. ) review my account. I received a call and return the phone and played phone tagged with the Supervisor for months. Then I received a letter from the XXXX XXXX, which received and took over the XXXX default loans. I explained the whole story of what happened and that the loans needed to be return to Navient. They informed me that I would need to work with Navient, which I contacted them again and they continuously repeated that their was nothing they could do. The loan officer which was the originator of the new loan agreement made the error and did n't combine all XXXX loans in the program so they wrote to the Obudsman Department again to see if they could review my account and see if they could have the default reversed. At that time XXXX XXXX, Supervisor at Navient submitted the review request. I was informed to contact the Collection company, which went from XXXX XXXX to XXXX. I explained the story to XXXX and they entered those loan in manager review for 30 days, which allowed Navient the time they needed to get those loans back. I spoke to a XXXX XXXX ( new loan officer ) on XX/XX/XXXX, where he informed me that those XXXX loans were reversed and that I needed to speak to the reviewer XXXX XXXX XXXX in regards to this before I can proceed. I have called his line and the main line and left numerous messages no one has called me back. Today ( XX/XX/XXXX ), I called to check on the status and I am told that those loans have defaulted again for non-payment and bad check writing and they will no reverse the loan. I did n't write bad checks. I informed XXXX XXXX on XX/XX/XXXX when we spoke that the account that was on file for fund withdrawal was closed by XXXX XXXX XXXX for fraudulent charges. This information was n't noted on my account so they continuously took funds from there, which on closed account you can get any money out of it. I informed the loan officer that I had another account that the payment could come out of, but he informed me that they would take that information once I spoke to XXXX XXXX and received the update on the review then I could move forward with the new loan agreement and payments and they would take my account information at this time. Now, I have been working with Navient on this issue since XX/XX/XXXX and I am still dealing with this. I 'm following their directive and I am still being punished in just trying to pay my loans and not have them go into default. Which defaulting on loans effects everything you try to do in life. So, now they are telling that the reversal was rejected because payment were n't made and that its a charge off at this point and they wo n't reverse it again on an error their loan officer made during the origination of the loan program in XX/XX/XXXX. So, now my life should be destroyed because of this. I am beyond LIVID, they do not work with you, you leave message people do n't return phone call, they do n't assist with a affordable loan payment based on salary either. This issue make me regret that I took loans out to go to college and better myself. All of this for what ...

Company response to consumer: Closed with explanation