Consumer complaint received 2015-07-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I am currently signed up for monthly automatic withdrawals with Navient ( XXXX XXXX ). I am on the final month of this year-long " contract '' to do this. I have experienced XXXX issues during this time. 

1. ) Every month, there is XXXX private loan that does not get taken care of by the automatic payments, though it should. I 've called and asked about this issue, and was told " it would be taken care of next month ''. It never was, and as a result, I 've been charged late fees a number of times because it was n't paid automatically with the rest of the loans ( I have a lot ), and I 've been called about it many times as well. 

2. ) I signed up for the auto payments last year, and the as I mentioned earlier, the year-long " contract '' will end this month. When the new year came, for some reason the automatic payments stopped. I checked my bank account and nothing was withdrawn, which was odd, because it was withdrawn during the previous months. I was never contacted about this and waited a couple weeks to see if it would go through. It never did. I finally called in myself and asked what was up, and was told that not only did I have to pay the missed month, but I also had late fees to pay. They had absolutely no reason to give as to why the auto payments were stopped, nor was I ever notified about it previously. I could understand if my credit card was n't working or something along those lines, but everything was fine and dandy on my end, both before the new year, and after. I had XXXX issues with my card, and my bank account had plenty of money to make the payments. The payments were automatic each month! I did n't have to do anything on my end, so why did this end, and why did I have to pay more?! 

3. ) This relates to issue number 1 above - Last month, before my automatic payment was due ( and after I just paid XXXX ), I was called XXXX times by Navient. XXXX times!! And this was in a two week period!!! I mean wtf?! There was no reason at all for all of these calls. I have screenshots and the calls shown on my phone still as proof. Completely ridiculous. When I finally called them when I had the time ( I was working a TON of OT at work during those weeks ) for a different reason, I asked about these calls as well. The lady ( once I actually got to a human ) said that " they should not have called you, let alone that many times ''. Noooo, really?? -- - This calling craziness has happened a number of times before in the past. I just did n't know about this website to complain about it. 

Here is a listing of the numbers that called me, and the dates and amount of times they called : ( XXXX ) XXXX -- XXXX, IN ( XXXX ) XXXX -- IN, XXXX - 7 callsXXXX/XXXX - 7 callsXXXX/XXXX - XXXX callsXXXX/XXXX - 6 callsXXXX/XXXX - 3 callsXXXX/XXXX - 4 callsXXXX/XXXX - 3 callsXXXX/XXXX - 7 callsXXXX/XXXX - 7 callsXXXX/XXXX - 7 callsXXXX/XXXX - 5 callsXXXX/XXXX - 1 callXXXX/XXXX - 2 callsXXXX/XXXX - 3 callsXXXX/XXXX - 2 callsXXXX/XXXX - 4 callsAdding a XXXX issue ... 
4. ) On Navient 's website, the last date of payment for your loans is not listed anywhere. If you want to see how much time you have left on your loans, you have to call Navient and ask. This is very inconvenient since you have to wait on hold forever to speak with someone, if during that time you do n't get hung up on. All information on your loans should be available online. Navient 's website is fairly primitive and quite confusing. This is 2015, right? Navient/XXXX is making a killing off of students. I 'm sure they have enough money to invest in a website. I have XXXX loans with them ( I know, XXXX ). I should be able to log on to their website and get every bit of information I need for each loan so that I can better prepare for what little future I have.