Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been with Navient since the transition of my loan from XXXX XXXX, which was also at XXXX point XXXX XXXX. When I graduated in XXXX XXXX, I was informed by both my student counselors and XXXX XXXX that I would be given a grace period of 6 months of the start of repayment of my student loans. This was reasonable. I immediately took action to improve my financial situation in order to position myself to make my monthly payments. I moved into a cheaper apartment, I secured a second job ; all in order to not only protect my struggling credit history but also to honor the loans that I was granted by NavientXXXX. 
To that end, upon contacting Navient to reinstate my payments and discuss my options, I was told that my account was seriously past due. I immediately paid the account to current and have been making the payments on time since XXXX. I have actually been aggressively paying down my loans thanks to the second source of income I have established to dedicate directly to my Navient loans. 
Upon reviewing my credit report and disputing with your representatives on an exhaustive measure, I have come to no solution on how this has affected my credit report. What is overly frustrating, is XXXX, when I call, I am placed on immeasurable holds, I have spoken to individuals that do not understand my questions, concerns requests, etc., and I am told different information with every person I have talked to. Considering the fact that I talk to people that do n't quite understand my request, question or concern, I believe this error in communication has negatively reflected upon my integrity as a borrower which greatly impacts me from a standpoint to speaking directly with you and having my case heard without judgment as well as a XXXX to 10 year negative credit report. 
The actions that I took are as follows : My initial contact started in XXXX to select my repayment plan and to possibly defer my student loan payments which would have started in XXXX due to 6 month grace period from the date of XXXX XXXX, XXXX. The phone discussion consisted of confirming if my student loans have a grace period, e.g., Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans and Unsubsidized Federal Stafford Loans. The agent I spoke with confirmed my loans were allowed a grace period and upon the deferment grant I could discuss my repayment plan as an income based program. 
The 6 month grace period was confirmed by XXXX University ( letter attached ) ; and Navient On or around XXXX XXXX, I was sent a letter of denial for deferment and was told that my account needed to be made current by XXXX XXXX of a payment of {$300.00}. I made several calls to Navient to discuss the credit reporting situation, i.e., why was I reported delinquent during my grace period, etc. This correspondence included providing Navient a copy of my full credit report, a copy of my newly signed lease agreement ( demonstrating the reduction in rent ), to determine my ability to enter into repayment and to show good faith and intent to pay my loans with reduced living expenses. 
I made my first payment to Navient on XXXX XXXX, XXXX. I was informed again that my account was past due, and I immediately brought my account current by the expressed due date. I have since made my payments on-time every month. 
I hired a credit repair agency ; XXXX XXXX XXXX on XXXX XXXX, XXXX. Due to lack of progress and needing more legal intervention with Navient account, I ended my contract with XXXX XXXX XXXX on XXXX XXXX, XXXX. I hired a new credit repair agency ; XXXX XXXX Firm, on XXXX XXXX, XXXX. 
This was to no avail, and therefore, ended my relationship with XXXX XXXX Firm on XXXX XXXX, XXXX. 
I hired XXXX XXXX Firm on XXXX XXXX, XXXX Letters to Navient CEO are the current and on-going with no response.

Company response to consumer: Closed with explanation