Consumer complaint received 2024-01-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TN)

Have been unemployed since XXXX ; Navient has been bombarding me with automated spam calls, demanding payments on my private student loans ; at least once a day, up to 6-8 times. Speaking to representatives I have been told that there are no options to stop these calls and the best they can do is " push them back '' for " a couple of days ''. I do not answer my phone anymore ; seldom do they leave a voicemail message or identify themselves in any way. 

When they do leave a message it's a demand that I contact them by phone - they will not communicate Private Loans forbearances or repayment plans via email ; which can only be sent to them via the Navient website ; no records of emails I have sent to them are made available to me- I have to keep a record of them myself if I want to see more than a fragment of it in the correspondence posted. 

When I stopped responding to phone calls, they began calling and sending letters to my cosigners. In XX/XX/XXXX my mother paid the past-due balance after a letter threatening " Review for Litigation '' arrived the XXXX- with only four days before the stated deadline of XX/XX/XXXX despite being dated XX/XX/XXXX. Seeing the postmark on the envelope indicates it was shipped on the XXXX, I have reason to believe this letter was purposely dated/postmarked in such a way to arrive " late '' as an intimidation tactic. 

Navient has also refused to discharge the loans under the Attorneys General settlement where they were found to be using abusive and deceptive practices including pushing forbearances on cases of financial hardship rather than more viable options, so as to extend the loans further ; my case was refused on the grounds that my loans had " never been in default, '' and so weren't eligible - ignoring that the school I attended with those loans was also found to be engaging in deceptive/abusive practices, and that my loans never defaulted because I had taken forbearances on Navient 's advice. My attempts to communicate this with them were refused and ignored. 

I have repeatedly stated that I have no stable income and am unable to make payments in the amounts demanded, making this harassment - they have ignored this and continued spamming my phone with calls and sending threats of litigation, knowing full well that I'm struggling with XXXX XXXX XXXX XXXX XXXX and that my financial situation has not changed ; I have been informed I am no longer eligible for no-payment hardship forbearance on this loan and I have repeatedly asked for my payments to be lowered and late fees waived - which have all been refused. Navient refuses to negotiate payment in any way or allow any sort of relief without some manner of payment ; Speaking to " XXXX XXXX '' over the phone tonight I was told they weren't even going to bother offering any repayment/relief options as I had stated before that I was unable to make any kind of payment at this time. 

Another letter threatening " Review for Litigation '' arrived XX/XX/XXXX, dated the XXXX and demanding a " satisfactory agreement to resolve your account by XX/XX/XXXXXXXX XXXX XXXX'. The envelope is not postmarked in any way I can discern. Both it and the previous letter were sent from a return address belonging to " XXXX XXXX XXXX' in XXXX XXXX PA - No mention of this company has been made in any of my communications with Navient, nor by anyone who called me about the debt. 

XXXX XXXX informed me I would have to " look up my state 's litigation practices '' to find out who would be doing said litigating when I once again stated I was unable to make any kind of payment with no stable income.