Consumer complaint received 2018-07-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

Navient fraudulently and maliciously defaulted my federal student loans on XX/XX/XXXX. Here is a quick reference of my income : XX/XX/XXXX AGI = {$14000.00} ; XX/XX/XXXX AGI = {$23000.00} ; XX/XX/XXXX AGI = {$24000.00}. I was regularly paying on my student loans until I lost my job XX/XX/XXXX. I applied and received an income based repayment plan ( IBR ) for which my payment was XXXX dollars. I applied again in XX/XX/XXXX and received another IBR but it took two attempts to get it because they said they didnt receive my first proof of income when I first uploaded it. So I had to upload it again, uploading five paycheck stubs. The result was I had a payment of XXXX dollars again. In XX/XX/XXXX, I applied again for and IBR, and on the federal student loan website, It stated that based on my income my payments would be XXXX again. I uploaded five current paycheck stubs on my Navient account so that they could evaluate my income. I did not hear back from Navient until XX/XX/XXXXwhen they sent me an IBR (  which I had not looked at ) that stated that my IBR had been approved for approximately {$100.00} dollars a month. They also stated that I was five months past due since XX/XX/XXXX. But my IBR was approved by the FDLP XX/XX/XXXX which Navient ignored for five months. When I went on the Federal Student Loan website, I saw where it stated that I did not owe based on my income. Once I notified Navient that my loans were erroneously defaulted they denied my claim. Navient then completely wiped out all of my account information where as I could show that they had always had all my income information and correspondence. Ive gone through the entire Ombudsman for ( Navient, XXXX XXXX, and Federal ). The Federal Ombudsman only received information from Navient that would be in their favor. They did not hand over all my account information. As a result, the federal ombudsman did not help me. Biggest issue, if I received an IBR in XX/XX/XXXX when I uploaded my paycheck stubs and as a result my payments were XXXX dollars ( AGI = {$23000.00} ) ; what is the difference between my ( AGI = {$24000.00} ) for XX/XX/XXXX. The difference of {$390.00} makes a difference between owing XXXX dollars in XX/XX/XXXX and then owing {$100.00} dollars for XX/XX/XXXX starting in XX/XX/XXXX. Navient defaulted my loans based on 270 days of not paying on the loans I owed since XX/XX/XXXX. But I believe they did this maliciously because someone confused my private loans with my federal loans. I would never let my federal loans go into default. As a result of this, they are garnishing 15 % of my income that has put me in hardship. XXXX XXXX sent me a letter stating if I disagree with the garnishment to apply for a hearing. The letter was dated XX/XX/XXXX but I did not receive the letter until XX/XX/XXXX. I did not read the letter all the way down where there was a deadline, but I didnt think they would believe anything I said since I had tried to explain to them that my loans should have never been defaulted. I finally answered the phone from XXXX XXXX who is garnishing my wages because I wanted them to stop harassing me. They stated that they only wanted to tell be about the rehabilitation of my student loans. After approval of {$5.00} dollars a month, my federal student loans are in rehabilitation, but they did not include my internet, rental and car insurance in this assessment. I do not have enough money to buy food and barely have enough to buy gas. I have a little bit saved that will help me out until it dwindles. You will not get a straight answer from Navient. They are an unscrupulous company and have no morals. They know they should not have put my loans in default. I have attached supporting documents.