Consumer complaint received 2017-03-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I enrolled at XXXX for one semester ( XX/XX/XXXX ) I received a grant for that semester. After dis enrolling I received a XXXX Check for XXXX. I went back to financial aid and asked what the check was for and what to do with it. They said it was for the next semester but since I dis enrolled just do n't cash the check. So thats what I did. Months later I started getting late payment statements from Navient ( account # XXXX ). I had never heard of Navient and had know idea what was going on. After calling numerous times, because every time I called I just got recordings. I finally talked to someone who told me I owed on a loan. All they could tell me is I signed a promise agreement and they wanted me to make payment arrangements. I told them I need to fid out what is going on before a pay anything. I went back to XXXX and talked to XXXX XXXX XXXX ( XXXX ). She confirmed that I owed the school nothing but to check with Dept of Eductation to see about federal loans. ( Which I did, and they confirmed I am not in default ). XXXX said what probably happened is the check did n't get processed as a stale check. Usually when a check is not cashed it is reported as stale, then they re-issue a check. Then it is re-distributed into the school system. Since the check did n't get reported the bank thinks it was cashed. Now that the check is expired, what I should do is call the bank and have a new check re issued so I can Navient. So I call XXXX, who confirms the check had not been cashed and with lots of being passed around to different people they finally re issue me a check. I call Navient back and tell them what is going on and all they can say is I better hurry up and pay because my balance goes up XXXX each day. At this point know one can tell me why I owe money I have n't cashed yet. When I get the new check, I take it to my bank to cash ( XXXX, XXXX location ) even though I still am confused by why I have to cash this check. The Bank then informs me they are confiscating the check because it is fraudulent. I feel almost relieved because none of this has made scene to me. I ask the bank what now. They say they will make a case. weeks later I am still getting calls from Navient that I owe then. Even after I have called them back and told them the check was taken by the bank. They still just want their money. Money I have not taking. Though no one can tell me where it has gone. And the bank its self can say it was n't cashed. Now on XX/XX/XXXX I get a letter from my XXXX account saying they have decreased my limit because of serious Delinquency 's. I have never been late on my account. Waiting for my credit report but I 'm sure it 's from this student loan issue. On XX/XX/XXXX, I again called Navient and tell them that the check was taken as a fraudulent check. This time they say they will check with XXXX frued. dept. And it does seem weird I would owe if the check was never cashed. But then They ask me if a can make a {$140.00} payment. I tell them no because no one can tell me why I owe money. I feel like Navient or XXXX has done something and I 'm stuck with the bill. I have included a picture of the check XXXX took and a summery I wrote them. I also included my semester summery with notes I took from The college. This is a # of some higher up at Navient I spoke with ( XXXX ).

Company response to consumer: Closed with explanation