Consumer complaint received 2018-03-13
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The Department of Education has not done a very good job at making student loans manageable for borrowers. I attended XXXX from XXXX. I took out some loans, but I am unsure of the exact amounts. Recently, I have delved into my loan history on the NSLDS website, printing my account summary by term from XXXX, and also accessing my credit report. It has been a nightmare ... where do I begin .... XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( both are my Current Guaranty Agencies listed on the NSLDS website ) have loans listed on my credit report dated back in XXXX, which was 15 years before I was born. Also, during the 10 years I have been out of school, I have attempted on so many occasions to setup payment plans with my lenders/servicers/collectors, but it's impossible because they keep switching my servicers/guarantors/collectors. There have been times companies have demanded payment but I was afraid to pay them because I was not sure if it was a fraud or not. The lenders do not update me with the switches that take place, then random debt collectors will demand payments. So, I just had a Treasury offset in the amount of {$6600.00}, I believe from XXXX, but no one can tell me what the monies were applied to. And to make matters worse, all 12 of my loans listed on the NSLDS website, all have several forbearances that have been processed without my authorization, which has added interest to the loan balanced. I also noticed that the loan amounts disbursed to me while in school, is lower than what shows on NSLDS. For instance, NSLDS shows that loan # 11 was disbursed XX/XX/XXXX for {$430.00}, but on my college award history, I only received {$300.00}, which is {$130.00} short. Several loans are like this and I'm not sure if this is a mistake on the part of the Lender, or the school. Also, when I attempted to go the XXXX website, it re-directed me to XXXX XXXX because I guess XXXX  has took over XXXX. When I spoke to XXXX, they claimed that they have had my loans since XXXX! I don't think they have EVER contacted me to get any sort of payment arrangement set up. The rep told me that XXXX sent my loans to XXXX XXXX XXXX, which is XXXX 's collection agency. I called the number to XXXX and it said I'm being transferred to my servicer which ended up being Navient. The automated system provided me with the post claims department email ( XXXX ). I emailed them to address my loans as a whole ... .there 's too many moving pieces to just address one thing. I'm awaiting their response. Then, I attempted to contact XXXX XXXX & XXXX XXXX ( XXXX ), which is the servicer for 3 of my loans. The rep answers the phone as " default resolution group '', which is under the Department of Education. The rep tells me that my loans have been transferred XXXX ( previously called XXXX XXXX XXXX   ). I left XXXX a voicemail and I'm awaiting their response as well. I registered on the XXXX website, and it does not show any payments for this year. The XXXX website and phone # says " no loans with outstanding balance '' or no loans associated with my name has been uploaded. When I call the # for the DOE and enter my ssn, the automated system says " sorry, I am unable to access your information at this time '' ... .it also gives two different websites to visit, but neither of them work : XXXX & myeddebt.ed.gov. This is they type of thing that has prevented me from progressing in the past. I believe these are intentional hurdles put in place by the banks to keep individuals confused, so that they can continue to add interest on our accounts. I have literally taken days off work to research all of my loan detail, but return to work feeling like I got nothing accomplished. It seems impossible to get anything accomplished because you have to go to so many different websites, call so many different # 's, and speak to so many different people. And as soon as you think you have it down, your loan servicer changes, or the # doesn't work anymore. THIS IS WHAT I'VE BEEN GOING THRU FOR YEARS. I have paid off plenty of bills in my lifetime & I WANTED to do the same for my student loans, but I just couldn't seem to get it accomplished. 

I feel that I am being taken advantage of in so many ways, but I'm not sure who to contact. I know for sure, my servicers have not served as a good medium between myself and my lenders. I feel like I have been on a roller coaster and wild goose chase trying to get a payment plan in order. I would be surprised if I qualify ( qualified ) for some sort of discharge, or income repayment plan. I have filled out forms and sent over then they say they didn't get it. XXXX XXXX/Navient/XXXX XXXX   has processed unauthorized forbearances and I want ALL of them removed. XXXX, XXXX, XXXX XXXX & other collectors/servicers, do not do their due diligence to help me get arrangements setup. I feel this is purposeful neglect in order for them to profit from interest being added onto my loans. As of right now, I don't feel comfortable paying on my loans because I really don't know what I owe! from the time I received the disbursements I was being shortened, and now they're reporting false things on my credit report! XXXX is not listed on the NSLDS website, just like XXXX was not listed at a point and time. So it makes me suspicious to pay a company that I can not verify I should be paying. I also filed a dispute over the tax offset, but XXXX will not respond. I don't know what I owe, and I know those forbearances have made my balance go way uip, which means my tax offset may have been unlawful. I can not afford and attorney, so I'm hoping someone can help me. I will also be reaching out the to the Federal Student Aid Ombudsman 's Group, to file a complaint ( studentaid.ed.gov ). 

studentloans.gov says that I don't qualify for an income driven repayment plan, though I know ive applied for this option in the past. One major thing that is holding me back from showing documentation, is losing access to an email that I had for 7 years ( when I worked for a nonprofit ). When my job ended, my email was disabled with no forewarning. Documentation and correspondence that I've had with my servicers has been lost. 

I'm in a pretty bad situation here because I don't know how much I'll be able to prove ... .I want this debt gone, but I also don't want to pay for something if I qualify to have some of it removed!

Company response to consumer: Closed with explanation