Consumer complaint received 2018-06-11
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. (NV)

I am currently in a repayment program for my student loans with the company, Navient. I started to consolidate my student loans in XX/XX/XXXX. I had to go through the process several times because Navient did not include all my student loans during the consolidation process. I attended two schools : XXXX XXXX   XXXX College ( XXXX, NV ) and The University of XXXX, XXXX. I took out a total of 11 or 12 loans ( twice a school year, or one every Spring and Fall semester ). At first, Navient only consolidated my loans from XXXX. Then they only consolidated the loans I had from XXXX. Finally, around XX/XX/XXXX, the consolidation process was completed. I asked several times for a confirmation that all my loans were accounted for and were included in the consolidation. At this point the agent from Navient read to me the loans from both schools and assured me that all pertinent information was compiled from the Department of Education and that the consolidation process was completed.

I began making payments in XX/XX/XXXX, and I made all my monthly payments on time. In the beginning of XX/XX/XXXX, wages were being garnished from my paychecks. I was informed by the Department of Education and Navient that a number of my student loans went to a debt collection agency called XXXX XXXX XXXX. After making several calls to all the companies involved, I learned that Navient apparently did not include a number of my student loans in the consolidation and that these loans went into default and were now being handled by the debt collector XXXX XXXX XXXX

This was not the only upsetting thing. When I was gathering information, I found that my student loan debt amount had jumped from approximately {$35000.00} to approximately {$60000.00}! This is impossible because the total amount of student loans available to me as an XXXX were not even close to this amount. Also, the number of loans taken out in my name ( which were about 11 or 12 ) had doubled to 22! This is also impossible because I was only able to take out about 5 or 6 loans from XXXX and only about 4 or 5 loans from XXXX. The rest of my tuition for XXXX ( which was the last school I attended before receiving my XXXX degree ) was being paid for by a Federal Pell Grant.

I notified Navient of this situation in XX/XX/XXXX, and I was assured that there would be an investigation, that Navient would recall the loans from XXXX XXXX XXXX, that I would not be responsible for any payments until this problem was resolved, and that I would be contacted by Navient to notify me of the outcome. As it stands now, XX/XX/XXXX, I am still getting wages garnished from my paychecks ( approximately $ 200- {$300.00} each check for about the last 5 paychecks I have received ). Also, Navient has not contacted me regarding my claim ; however, I have started receiving emails from them that my payments are past due.

This is a serious problem that does not seem to be getting resolved. Also, I have not been given an explanation as to why or how my student loans have mysteriously been doubled.