Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Long story short. Back in XX/XX/2010 : I was in the process of paying XXXX payments in a row in attempt to bring accounts current. I was told if I could complete the XXXX payments in a row this would bring my accounts current and I would no longer have late fees. I noticed the XXXX payment did not automatically come out of my account. I did proactively call to uncover why. My goal here was to ensure the account would be brought up to date with no late fees, etc. I was trying to make good and do my best. The rep did take my payment and did assure me the account was brought up to current status, all late fees removed etc. This was when I was informed the accounts were frozen throughout the bankruptcy. They explained that this was why the payment did not come out of the account. When rep explained to me that accounts were frozen for the duration of the bankruptcy I made him assured me that my final payment brought me up to date, no late fees, and the loan would be the same once the bankruptcy was over. He said yes and made me feel as if I was on the right track with Sallie mae ( Now XXXX ). I was not informed anything about interest continuing to accrued for XXXX years on a daily bases. Why would n't he have told me this when I was checking on status and making sure accounts would be the same after the XXXX years. I am so taken back that XXXX of interest accrued over the XXXX years. The rep assured me account was current and that they were frozen so could not receive payment for those years. I do feel that they did not provide all the details and XXXX % did not tell me about interest accruing over those years. I feel as if they purposely did not tell me interest would a crew daily over the XXXX years of bankruptcy. Why would n't they have let me know this when I was being proactive. I was the one that did call after they were frozen to ensure I was doing my part, etc. I think this was very wrong and was definitely misleading. I feel as if I was misled as he took my payment and assured me the accounts would be the same after bankruptcy. XXXX is the large company here and I feel like they have a responsibility to help its student borrower. Should n't this technicality have been made clear to me as I was the co-signer and not in bankruptcy. I was trying to do my best. Is it normal for a large company to gloss over such an important piece of information? I can not help but feel like this is an example of a large corp taking advantage of someone who did not have the proper information. This could have been provided to me when I called. Why was it not? 

I am the co-signer on the a few loans. I feel as if the amount of interest and the amount owed is actually incorrect. My father filed chapter XXXX bankruptcy. Sallie mae could have been paid throughout the course of the XXXX year bankruptcy however, filed late for this portion. When they came back to request payment the judge declined as payments were already divided up. I do not believe I should be accountable for sallie mae not meeting the time requirement and missing the initial pay out for the XXXX years. This XXXX years of payments would have decrease the amount owed as well as the amount of interest that would have accrued. Once again : I do not fully understand why I would be liable for this full amount when sallie mae could have been paid the XXXX years and interest would not have mathematically accrued at that rate. I am very upset and depressed about this. As anyone knows : XXXX is a large amount and essentially years of my life The rep could have told me as I was in my early XXXX with no idea. Please help me! I have no clue where to go as my next step ... These are private student loans but did not get removed in bankruptcy as they are " student loans '' however, sallie mae refuses to work with me on refinancing and I also do not qualify for the XXXX year payment plan since they are private. 
Please help me!

Company response to consumer: Closed with explanation