Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

XX/XX/XXXX, I was a newly single mom working a {$3.00} an hour waitress job. After seeing XXXX XXXX great advertisement of promises for my future, I decided to enroll. I enrolled after financial aid told me that based on my income I would only pay about {$20.00} a month and the XXXX degree would be under {$10000.00}. He stated this would cover everything, my classes, books, graduation, degree, etc.During my 1st semester my school hours starting interfering with my work schedule. I spoke with a counselor to see if I could do some day time classes and some at night. The school refused to work with me even though they had all of my classes twice a day. Being the school refused to help me it, I was no longer able to attend classes. I did not get the 1st letter about my loan for over a year after. About 6 months to a year later I got a phone call from my professor asking me why was n't I in class? I asked him why would I be in your class, I have n't enrolled into any classes and have been out of school for quite some time. The professor then told me I needed to call the school because the school has me enrolled into another semester. I then call the school immediately and just kept getting transferred around and voicemail 's. Finally after some time I get a response from someone who told me that they do not know why I am being enrolled into classes and I needed to call XXXX XXXX. XXXX XXXX told me that I needed to deal with the school because this is their doing and there was nothing they could do to help me. So here I had a lender not knowing how I am getting new loans and a school not giving me any information and avoiding my calls. At this point I had no idea what the school was charging me and not aware that the reason I have n't gotten any bills from XXXX XXXX is because they were placing me in deferments without any knowledge of interest growing on top of the loans. I could n't afford on my waitress job a big monthly payment, so they kept telling me do n't worry about it we can just put it in a deferment. XXXX XXXX made it sound like it was a great program for someone in my current financial situation. XX/XX/XXXX, I started working for a collection agency who works with the Dept of Education on defaulted student loans. They asked me if I had any loans in default because if I do, they will have to release me of my employment. The client does not allow employees to have loans in default. This is when panic mode set in with me and I started researching my loans. I pulled my credit report and it shows XXXX took out loans with XXXX XXXX for years XXXX, XXXX, XXXX. Enough years to get a XXXX degree and here it was NO XXXX degree and only 1 semester under my belt. The University also got shut down at this point so I ca n't get any more information from the school. XXXX got shut down for being fraudulent with their students. I called XXXX XXXX ( Navient ) and requested promissory notes for all my loans. They took XXXX promissory note and made XXXX copies of it and attached as if this was XXXX different notes. You can clearly see this is a copy of XXXX note due to the same date on all loans and smudges in the writing is the same on all. When I got the balance of my loans I was shocked! The school told me I would pay less than XXXX and XXXX XXXX is telling me that I owe almost XXXX in loans after interest. If I would have known I was going to be scammed of this much money I would have never enrolled.I have paid into this loan for the past few years and the lender has not reduced the principal at all. I need to know why the school enrolled me into 3 years worth of schooling after only attending 1 semester? I need to know why am I being charged for XXXX after only attending 1 semester? How does XXXX XXXX give loans to a school with a copy of an old promissory note?