Consumer complaint received 2017-10-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My private students loans are being serviced by navient and I have been having a plethora of issues starting XXXX XXXX. The first issue is that my loans were in repayment before the dates I was told. I enrolled in XXXX college for a semester ( 6 months ) from XXXX XXXX to XXXX XXXX. Prior to those days I pay {$100.00} in forebarance fees to navient. In XXXX of XXXX I was told by a rep from navient that my account was 3 months past due which and I had used up my entire forebarance time which made absolutely no sense because I was only out of school for 6 months and had made no payments to navient for a forebarance. Normally a student that is out of school gets a 6 months grace period before the loans are in repayment according to the rep I was only issued a 3 month grace period because of my previous use of PAID FOREBARANCE. I was then enrolled in a hardship program in which my rates were lowered and would remain as such for 12 months once I paid the 3 qualifying months. I was also assured that the 3 month delinquent credit reporting would be reversed upon my completeion. I am now fully enrolled in the program and only one loan has reversed the 3 months delinquent reporting which might I add has also adversely affected my mother who is my co-signer. This month I was hit with my lowered payment for both loans which is {$100.00} and an additional {$45.00} and {$55.00} for the loans that were to be covered by my {$100.00} payment. I contact multiple. Navient reps who gave conflicting information. Most did not know that I was enrolled into this program and simply told me my payment was delinquent again even though they saw the payment of {$100.00}. I spoke to a supervisor last week who told me that I was still enrolled in regular auto payments for the loans in addition to the hardship program payment. I was told at the beginning of enrolling in the program that all auto payments were suspended and I was only enrolled in direct check payments ( similar to auto payments ) for the three qualifying months I was only charged {$100.00} but now that I have successfully completed that trial run Im being charged twice for my loans. I spoke to two reps and a supervisor today who again did knot know I was enrolled in the program ( I was speaking to the department who enrolled me into the program ) and told me that only one loan would be refunded. I objected angrily and told them that I was told to upload proof of both payments being debuted in order for me to receive credit. Ultimately it came down to the supervisor reading extensively into the case notes to see that I am in the program and that I had called in numerous times and was told that the regular auto payment was suspended. I hopefully will receive the {$45.00} dollar credit and was told that I might receive the negative balance fee for the {$55.00} dollar payment, according to the supervisor the {$100.00}. Dollar payment was not disbursed correctly amongst the loans so thats why I was charge a late fee and report delinquent for this month. Navient and XXXX XXXX being the largest provider for private student loans should not being doing so many under hand things. I as a consumer should not be giving the customer reps information that is right in their view. My credit has been tarnished by navient due to their fraudulent business practices. And I am considering suing them for this. I hate them if you have s choice do not use them. Even if you dont have one dont use them..

Company response to consumer: Closed with explanation