Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

XX/XX/XXXX {$100.00} garnished from my SS check. Contact XXXX w/ no response. Sending forbearance request timely every six mos. Informed total my student loans to be approx {$32000.00}. Tax refunds garnished no answers. Contacted XXXX monthly cont. to tell me it was not them. IRS sent paperwork I returned, faxed and funds were not refunded, no contact fr collection. I continued to send forbearance while requesting loan info unaccounted for. Documenting all loans as they were garnishing Social Security and tax returns w/ no reply. Verified monthly no loans to collection and never had a loan the approximate {$10000.00}. Documentation of my student loans verified were {$2000.00} to {$3000.00} ea semester. Finally informed by XXXX/Navient that I did not have recourse for the {$32000.00} and they would be sending my loans for collection? Family lost our home XX/XX/XXXX. While residing in a motel I began contacting the State of XXXX guaranty. I was informed XXXX/ Navient had in fact sent a loan they stated belonged to me to U.S. Department of Education collection. This agency was garnishing my tax return and check. XXXX and Navient knew of this loan, sent it to collections and garnishment. XXXX XXXX gave me the number of U.S. Dep of Ed who then referred me to ombudsman officer XXXX XXXX case # XXXX @ XXXX. After a bit of research XXXX XXXX informed me there was nothing I could do at this time? XX/XX/XXXX rcvd NOTICE PRIOR TO WAGE WITHHOLDING naming XXXX hereafter referred to as XXXX, as the garnishee. Per the notice I had until XX/XX/XXXX to establish a repayment agreement, or fill out the paperwork for appeal hearing. Upon rcpt date set for hearing. Hearing in person I would have to pay expenses and travel to XXXX. Completed paperwork, faxed and mailed paperwork three times. I cont to call XXXX for 2 months as I was not receiving a reply. XXXX stated not to worry as garnishment would not proceed I had replied in timely manner. Garnishment begins immediately. Call XXXX and demanded a supervisor. Informed no one higher than customer service to speak with. I did receive a c/b from CB after lvg mess previously at XXXX. " CB '' left message on XX/XX/XXXX informed 2 mos after initial contact to call XXXX " agency '' handling my defaulted student loans = {$48000.00}. How {$30000.00} = {$48000.00}, interest? CB verified these to be my only student loans nothing else, lied. Cont calls to XXXX w/ no reply from XXXX , garnishing over {$300.00} per month. XX/XX/XXXX, after received eviction notice. XXXX XXXX, XXXX @ XXXX calls informed me to follow XXXX instr. She would find out why I did not receive a hearing. XXXX is now XXXX XXXX, XXXX fr XXXX. I was faxed an additional copy of the previous XXXX XXXX completed XX/XX/XXXX although the garnishment did not stop until XX/XX/XXXX as I lost my part-time job they were garnishing on XX/XX/XXXX. Never rcvd hearing. I contacted XXXX XXXX/XXXX/XXXX I rcvd another garnishment from another collection agency Pioneer Credit Recovery for {$22000.00} # XXXX. What is this? Why another suddenly upon documents w/ XXXX? She stated they were allotted from govt and first come first served. Why different amounts? Unable to answer. Call XXXX XXXX XXXX, she stated total balance {$90000.00} in student loans? Difference btw {$30000.00} and total is interest? No knowledge of or answer whom or why I was contacted by Pioneer Credit Recovery XXXX add, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Letter states loans may be assigned to the US Department of Education for collection? I asked XXXX, Navient, US Department of Education, XXXX, and XXXX if anything outstanding from XX/XX/XXXX to XX/XX/XXXX, response no. I am requesting all garnishments w/ interest returned. Damage to credit score.