Consumer complaint received 2015-10-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I have Private Student Loans with Navient my co-signer is a US Veteran XXXX from approximately from XX/XX/XXXX-XX/XX/XXXX in XXXX. My initial loans were generated in XX/XX/XXXX because my course of study was not covered by Federal Loans ( so I was told ). The amounts of the loans were XXXX at 5.25 % generated on XX/XX/XXXX and {$4000.00} generated on XXXX/XXXX/XXXX. When I graduated, I had to request forbearance because my husband was unemployed, and I was handling some of my stepson 's bills, paying rent and I could not afford to pay the loans back. I told them at the time that since my stepson was XXXX I had to cover some of his bills and mine and was financially strained so I asked for deferments and forbearances. My step-son left the military and was without a job in XX/XX/XXXX. My husband and I had to support him for about 2 1/2 years. We had pay cuts due to the financial crisis and I asked for a hardship forbearance. They told me I had used them all up but that to protect my account I could make interest only payments. So I did. I was very stressed with all the federal and signature loans and financially strained. In XX/XX/XXXX I was diagnosed with the beginnings of XXXX XXXX. In XX/XX/XXXX I started XXXX. I had XXXX in all from XX/XX/XXXX through XXXX XXXX. I had contacted XXXX XXXX to obtain a medical deferral and/or forbearance which they say they granted. When I finished my treatments late in XXXX I was behind on many of my bills and I had to start paying student loans with XXXX XXXX / Navient. I told them that I was still struggling financially and they said they would work with me that I could set up post-dated payments under a new program they had and once again they stated this would protect my account. I was never told the program was not approved and I thought they acted in good faith as I had considering I had been through a XX/XX/XXXX of living XXXX. When I got my credit report I saw that all the time they cashed payment which to me is representative of a binding agreement they never protected my account. They reported lates ( several ) on my credit report and that of my stepson. My stepson was denied Federal employment and I am burdened with still maintaining him financially at some capacity due to the negative reporting by Navient. I even pleaded with them to release the co-signer and they refused. In XX/XX/XXXX, I spoke to an attorney and I had to raise the money to file bankruptcy. It took me almost a year. I filed on XXXX XXXX and the loans were discharged on XXXX XXXX. The 5 months of bankruptcy the accounts were protected under the stay. I started paying again. I have asked Navient to correct my credit and they refuse. They have damaged my credit and my stepson though I acted in good faith. They are charging me and my stepson 6.25 % on XXXX of the loans when the cap for those deployed under SCRA is 6 %. They are refusing to adjust that as well. They were already sued by the Dept. of Justice for violations of the SCRA $ XXXX dollars. I am asking that my credit file and that of my co-signer be fixed since it is full of errors. They lie and are refusing to do so. I have filed complaints with other regulatory agencies. I am adamant when I say I want all files repaired to show the payments and deferrals that were made/granted. To date the loans have increased due to fees, late payments to a whopping {$15000.00} and {$6600.00} respectively. This is what reflects on my credit file. That is an increase of approximately {$5000.00} and {$2600.00} for the other. This is usurious and abusive. They are taking advantage on the situations of individuals and in the process also ruin their creditworthiness intentionally. They have no regard for agreements made on the phone with customer service. What I really wish to happen is to have the Credit Reports fixed finally with all CRAs and in addition have my Step-Son released