Consumer complaint received 2024-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

Since I have contacted Navient XXXX more times than mentioned in this complaint, it is clear that it has become a waste of time to try to reason with them directly. 

Things had been plodding along with my Navient IDRs until the latter part of XXXX of XXXX, when my job ended. I called their representative on XX/XX/XXXX and asked how I should proceed with recertification. The XXXX told me that I didnt need to send XXXX XXXX  XXXX, that the XXXX would be based on my income at that time ; and that I only needed to send my application with a letter of explanation. I faxed the requested documents on XX/XX/XXXX. ( See attachment ) They also told me at that time that I would not owe anything, and they would place me in forbearance or deferment. I told them that instead, I would pay them XXXX a month until I knew an exact amount. I have done so and am still doing so XXXX. 

I checked in with Navient on XX/XX/XXXX to make sure that they had processed my application from XX/XX/XXXX. They claimed that they never received it. I faxed another application on XX/XX/XXXX. It included a letter of explanation and, at the XXXX ; XXXX request, my XXXX XXXX, since I receive XXXX distributions XXXX about $ XXXX a year. ( See attachment ) Still hearing nothing, I called and was told that I should have sent XXXX XXXX! Not thinking that was possible, I asked my XXXX  holders for their input. Their rep explained that it wasnt possible before XXXX  end, that the loan company was most likely stringing me along. 

By now I was into XXXX of XXXX, with no movement and confusing and conflicting directives from Navient. When I went back to them, I was told that I should send XXXX XXXX, but to include letterhead correspondence from each XXXX  holder XXXX dated XXXX. The XXXX confirmed that they had everything needed to process my application except the above documents. I complied on XX/XX/XXXX by faxing XXXX correspondence and XXXX XXXX from the XXXX  holders XXXX Navient. ( See attachment ) I called in XXXX of XXXX to see where things stood, and was told that they had everything needed to process my app and that I would receive correspondence from Navient confirming my XXXX recertification in a XXXX  of weeks. However, as of XXXX, XXXX, I have received no such correspondence from Navient and they have not processed my XXXX IDR application. 

Though I have paid Navient XXXX every month since XXXX, XXXX, and am still doing so, they have been calling daily since XXXX, XXXX. They say that I am behind on my payments and owe them money. When I tried to explain what was going on to the rep calling me the XXXX  time in this series of harassing calls, she would not let me talk and spoke over me. 

I sent my new XXXX XXXX application by certified mail on XX/XX/XXXX. Tracking ( See attachment ) shows that my application was picked up on XX/XX/XXXX. As of XXXX  date, they have not processed my XXXX application. 

I also did not receive correspondence or a check from Navient for their class action lawsuit settled in XXXX for their past unscrupulous behavior. They need to make this right, also.