Consumer complaint received 2017-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I enrolled in XXXX XXXX XXXX XXXX program in XX/XX/XXXX. After completing classes that I could n't get at our XXXX college, I went to transfer credits to the local school here. I was told several times these credits would be available to transfer to any school, that 's the only reason I chose them. They then tell me none can be transferred anywhere. So, I withdrew from the school to go to our XXXX college. Paid for the first semester in cash, which is what I was told to do, and XXXX would handle all of the transferring of the financial aid. Which they started, then stopped & would never respond back to the XXXX department. So, I could n't get any financial aid for the remainder of the program I had enrolled in & could n't afford it. I asked XXXX XXXX to place me on a year forbearance, so I could figure out what I needed to do, to fix this. I could never get anyone at XXXX to contact me back about anything. They refused to send me any transcripts. They refused to respond to anything from my school here. XXXXsent forbearance ended & I was only working part time. They told me they would fix my payments to where I could, told me to pay {$50.00} a month, no matter what the payment slip said, and they would accept it. I sent in money every month for a few months ( mind you my loan was only XXXX for both ) and would check the balance. It stayed the same. I did ask for another forbearance for a year because of health issues with my co-signer, my father, and could n't afford the payments. He became XXXX, deemed by the court & started receiving XXXX payments. This is the end of XXXX. XX/XX/XXXX, I tried once again after now receiving notices from Novient, who I had no idea was, and them asking for payments on a round about {$7000.00} loanot from XXXX XXXX. I called both companies because they were both sending paperwork stating XXXX completely different prices on my loans. XXXX XXXX told mom repeatedly they had no idea who Navient was, and vice versa. I asked Navient to put me on a forbearance so I could figure out what was going on. XXXX of XXXX companies started taking money each month out of my father 's XXXX check. They have for over 4 years now. I have made payments, several times to Navient. My balance has not gone down still. They are still taking money out of his check every month. I am still getting emails and random things every now and again from both companies. I do n't know who the pay, and at this point I have paid the loan 3 times now, with nothing to show for it. This school repeatedly lied to me and my father about financial aid, transferring of credits, who to pay & have destroyed mine and my father 's credit. They have been paid every month for almost 4 years, sometimes twice a month by his and mine payments & there is zero change in the balance. I do n't know what to do at this point. I have called Navient over 200+ times in the last year alone. I 'm either put on hold for hours at a time, never speaking to anyone. Or they get on the phone, have an attitude and treat me like I 'm a criminal & bully me into paying some ridiculous payment, that is n't even what the payment was that month. They have called me randomly & told me ( even after paying on time for 4 months straight ) that I was behind & being charged penalties & interest, unless I wanted to make a large payment over the phone to " catch up '' my tab. This has been a nightmare & the biggest mistake of my life. I ca n't even get into the bad XXXX college here unless I pay the entire bill up front now.