Consumer complaint received 2016-04-29
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
This is a follow up to case # XXXX Today is my XXXX birthday, and I 'm not celebrating with friends or family. I 'm sitting alone in an apartment thinking about XXXX like I have almost every day for the last 6 years, in a very large part due to this particular student loan debt. I am going to be laid off tomorrow, and the reason is because this company harassed my coworkers at my job for months nonstop. They filled up my voicemails to the point I could not do my job and harassed the receptionist, coworkers, friends, and family over a dozen times a day. My fiance was diagnosed with a XXXX XXXX 3 years ago and died a year and a half ago. While she was sick, I spent every dollar I had on caring for her and her son and trying to help her survive. When she died, every bill I had doubled or tripled and a lot of that is thanks to the credit damage these parasitic loans have had on my otherwise non-existent credit report. 

The last 3 years of my life have been a living XXXX thanks to XXXX and the many, high-interest, and predatory loan packages they created in my name. The types and amounts were never mentioned and ended up being a toxic blend of private and federal. They lied about every aspect of their business from the curriculum to the labs to the accreditation, to the loans and debt load, default rates, instructor quality, and partnerships with local businesses. They frequently dragged me and every other student out of class regularly to sign unexpected, pre-created loan bundles under threat of being dropped if we did n't. 

When people go to a normal college or university they get increased income. With XXXX XXXX they do not and the evidence for this is clear. There are hundreds of articles I could reference that show solid proof of how XXXX XXXX, Navient, XXXX XXXX, XXXX, Pioneer Credit Recovery, and XXXX XXXX have conspired to pile tens of thousands of students in mathematically impossible to pay debt and ignored the defense to repayment process at every turn. 

I spent 2 hours on the phone this Tuesday ( XXXX ) trying to resolve why Pioneer Credit Recovery thinks it has the right to garnish my last paycheck, for the job they COST me, when this debt is and has been disputed for over a year. This debt is marked as defaulted because NAVIENT and XXXX XXXX did not correctly acknowledge that this debt is being disputed last year, and their ineptness continues at every level of the process. After wasting an hour talking with Pioneer they gave me a number for Navient. I called Navient and wasted another hour talking to someone who was obviously in XXXX and who knew absolutely nothing about XXXX XXXX, the Defense to Repayment provision, or the current threat XXXX faces as well as XXXX looming loss of accreditation for the exact same reasons I and tens of thousands of my fellow students have been forced to bring to the government who was supposed to be keeping them from preying upon us. 

The debts XXXX XXXX created in my name are fraudulent. I am at direct threat of becoming homeless because of this unethical and greedy grab for money that Pioneer Credit Recovery, XXXX, and Navient do not have a right to. My rent alone consumes 45 % of my income by itself, as it does for millions of my peers in the same situation. I ask the CFPB to help me fight this company that has already been barred from debt collection once and deserves it again, as well as correct the status of these loans that Navient failed to properly flag and process as in dispute in the first place. 

I would also like to point out that the half dozen high interest, private loans XXXX XXXX created are a decade old at this point and time-barred in the state of Utah.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation