Consumer complaint received 2017-09-06
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted Navient loan servicer that I am in full attendance with school and they continue to charge me a monthly fee for my student loans despite their knowledge that I am in school for a full attendance as shown below. This is ridiculous. I emailed them and they sent me an automated message in return.
Account Summary As of XX/XX/2017 ( ET ) Total Payment Due : {$280.00} Make a Payment Your Loans Show more information about Your Loans Loan Due Date Amount Status Auto Pay 1-01 Direct Loan - Subsidized XX/XX/2017 {$35.00} Payment Due 1-02 Direct Loan - Unsubsidized XX/XX/2017 {$30.00} Payment Due 1-03 Direct Loan - Subsidized XX/XX/2017 {$22.00} Payment Due 1-04 Direct Loan - Unsubsidized XX/XX/2017 {$13.00} Payment Due 1-05 Direct Loan - Subsidized XX/XX/2017 {$36.00} Payment Due 1-06 Direct Loan - Unsubsidized XX/XX/2017 {$22.00} Payment Due 1-07 Direct Loan - Subsidized XX/XX/2017 {$29.00} Payment Due 1-08 Direct Loan - Unsubsidized XX/XX/2017 {$11.00} Payment Due 1-09 Direct Loan - Subsidized XX/XX/2017 {$56.00} Payment Due 1-10 Direct Loan - Unsubsidized XX/XX/2017 {$21.00} Payment Due 1-11 Direct Loan - Subsidized No Due Date {$0.00} In School 1-12 Direct Loan - Unsubsidized No Due Date {$0.00} In School Total Current Balance : {$29000.00} View all Loan Details Show more information about Recent Payments Date Amount Status Coming From XX/XX/2017 {$280.00} Received Payment was received -- XX/XX/2017 {$280.00} Received Payment was received -- XX/XX/2017 {$280.00} Received Payment was received -- XX/XX/2017 {$280.00} Received Payment was received -- XX/XX/2017 {$280.00} Received Payment was received -- Their email to me : Thank you for contacting Navient about the options that may be available to temporarily postpone your monthly loan payments. The information below details the various deferment and forbearance options that may be available.
What is deferment?
Deferment allows you to postpone payments while you are in school, during an internship, a fellowship or some other qualified deferment program. Unemployment Deferments are also available in the event you are unemployed but actively seeking employment. The federal government pays the accrued interest on subsidized loans. However, you are responsible for the accrued interest on the unsubsidized loans. Unpaid interest will capitalize ( be added to your loan principal balance ) at the end of the deferment period unless you choose to make interest payments during deferment.
What is forbearance?
Forbearance allows you to postpone payments if you are experiencing temporary financial hardship and are not eligible for a deferment. During forbearance, you are responsible for all accrued interest. Per federal regulations, unpaid interest may be capitalized ( added to your loan principal balance ) no more frequently than quarterly and at the end of the forbearance. Please note : You will lose eligibility to receive any borrower incentive or benefit requiring on-time payments if you elect to have a voluntary forbearance processed on your account.
NOTE : Interest begins to accrue on education loans from the date they are first disbursed until the date they are paid in full. The federal government pays the interest that accrues on Federal Subsidized Stafford Loans during school, grace and deferment periods. You are responsible for paying the accrued interest on the Federal Unsubsidized Stafford Loans, Federal Parent PLUS Loans, and Supplemental Loans during school, grace and deferment periods and on all loans during forbearance and repayment periods. Any unpaid accrued interest will capitalize ( be added to the principal balance ) at the end of a grace and deferment period, quarterly, and at the end of a forbearance period.
To review your available deferment and forbearance options, apply online, or download/print a form, log in to your account at Navient.com.
You will not receive an email response if no other issues were presented in your inquiry. If additional issues were presented, you can expect to receive an email response from our dedicated Customer Service team shortly.

Company response to consumer: Closed with explanation