Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WA)

1 ) I signed for a XXXX year grace period when I first took my loans. They used up my signed for grace period when I had to transfer schools. When notified I let them know immediately that I had been in school all that time. They noted and documented my account with that information. It was supposed to be restored upon my 2016 graduation. That did not happen. In XXXX 2016 I started getting calls, and constant harassment about payments. I kept insisting on my rights, and they kept telling different stories and giving different options every time I talked to some one. No one had the same story. They all had different requirements for me to do. I am a XXXX ... I know hoop jumping and legal jargon when I hear it. I worked as I went through school ... I know when someone is doing double talk. 
2 ) They stopped calling me, the primary loan borrower and harassed my cosigner constantly. After continual battling, I had started to make minimum payments but they kept calling and harassing my cosigner not me. When on the phone with someone, you spend an hour rehashing all the details that should have already been in your account. They do not listen. You try to offer solutions within your real income, and they stick what their computers say. They do n't listen. They do n't care. They have their agenda which does n't include your real situation. It often ends with hostile comments such as " Well than, we ca n't help you. '' So why offer at all? Some of their solutions are to pay {$50.00} to have it return to the balance on your loan to gather more accrued interest. They offer no solutions for simplifying your loans into XXXX. They make you pay multiple loan accounts, which adds up fast when all their interest rates are different. They have excruciatingly high interest rates. They rework your paper work without your consent. Then they make claims of helping but really, they 're looking to make you pay more. No XXXX people will ever tell you the same story. You 're lucky to get the same person you called before. IF you do not ... then you 're rehashing over and over and over while continually being treated like you 're stupid. 
3 ) No XXXX representatives offer the same solutions, and they always act like I am an XXXX and that I do n't know what I am talking about. They 're abusive, rude, and do n't really offer solutions. Even when you the borrower want to negotiate better rates of repayment. They claim XXXX of XXXX scenarios : They are a Private Bank ( when the mood fits ) or they 're a " Student Loan '' organization. They jockey those terms back and forth muddying the waters of what they 're capable of. 
4 ) I have already filed a complaint with my State AG. I will be filing complaints with all my representatives at the State and Federal level, as well as with the Federal AG. I am tired of these legalized loan sharks abusing their customers who are former students trying to pay them back. It is both XXXX XXXX and its subsidiary Navient, that cause so much problems. They just have loan sharks in the background and do n't want to renegotiate. They think they can bully their customers.