Consumer complaint received 2021-10-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have private student loans with Navient. These loans were taken out in XXXX with XXXX XXXX which was eventually sold to Navient. Over the years we have had issues with the way payments were being allocated, payments are taken out before the date they were supposed to which caused overdrafts as well as payments being taken out and still getting charged late fees when on autopay. I requested all documentation from Navient from the beginning of my loan so I could cross-reference these issues. Since i have 4 loans with them it has been a difficult and time-consuming process. I have found many discrepancies in the documents from their system which they personally sent me via mail and what the website shows in terms of the amount of debt owed, payment allocation, and late fees. I have collected bank statements dating back from XXXX and cross-referenced their documents on payments made ; I found at least 5 instances where payments were withdrawn from the bank but never posted to my loans! This in turn caused unnecessary late fees! I was on payment programs for over a year and still charged late fees sometimes on the same day payment was withdrawn or a few days later. I have spoken to numerous people at navient about these issues and no one could give me an answer as to why this happened. I was told that since some of these issues occurred years ago they couldn't do anything about it and checking the details would take to long. I was also told that they could not give me answers unless i had a lawyer contact them. I also asked them why their records were different from what the website showed in terms of the amount of debt owed and they said something to the effect of the system allowing for a {$10.00} give or take difference but in my research, there were occasions where the difference was far greater than {$10.00}. I also created a spreadsheet to check if i was being charged correct interest and asked how to correctly find the interest for each month, none of the people i spoke with could provide me with correct information. I read the promissory note and came up with a spreadsheet to try to get the amounts they provided, i was able to get those numbers up until a certain period before the numbers no longer matched with what they had. I have contacted the Attorney General in Pennsylvania who is currently suing Navient for these issues and for a time they were CC in my emails with Navient investigating these issues. Unfortunately, i have not been able to speak with anyone in the attorney general 's office about this. I am desperately trying to find a pro-bono lawyer who could help me with these issues because i am in no way financially capable of paying. I am hoping to file for undue hardship in bankruptcy as well for I am over {$110000.00} in debt to navient for private student loans. In XXXX I was told by one of their representatives that people with as much debt I owe don't deserve to have a life when i was begging for lowered payments. I have attached a spreadsheet showing the payments that were made which i have bank statements for and the file Navient sent me of their payment records. I have many other spreadsheets but it would be to difficult to explain here.

Company response to consumer: Closed with explanation