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

I began dealing with Navient when they were known as XXXX. To begin, unbeknownst to me, I applied for ungodly amounts of money through XXXX ( XXXX, VA ) in XX/XX/2006. I was interested in completing a degree ASAP as I was being XXXX from the XXXX. Traditional schools had already commenced classes and I was in a bind ( in terms of needing to utilize my XXXX - I did not wish to wait longer to begin working on a degree ). In XX/XX/2006, I stopped in to the named location and was greeted by a professional con XXXX. I will also admit that I was a bit naive and had a lot of personal issues that did not allow me to be completely aware of my surroundings. That, combined with 'caveat emptor ' kind of led me on a path to being taken advantage of. 

This con XXXX took me into a nicely decorated room and began talking to me. She pretended to want to get to know me ( almost like a professional therapist ) and the ambience, combined with the food and drinks that they fed me, made me kind of open up to her ; in the meantime, a gentleman asked me questions and filled out papers ... none, of which, were explained to me. They lured me in. He had me sign tons of papers while asking me questions, over and over, while the lady kept me satisfied with confectionary and caffeine. 

Fast forward to months later ( I 'll detail my issues with XXXX in another complaint ) : I receive my first bill from XXXX. It was for thousands of dollars! Mind you, I had already complained about this school to administrators and was really becoming livid with the scam that I saw unfolding. Now, I was being billed an outrageous amount ... and did n't even recall signing up for the loans ( sad, but true ) ... 

Over the course of the next couple of years, I began receiving ( literally ) DOZENS OF TELEPHONE CALLS A DAY from XXXX. They would call me, over and over, often hanging up before I could even answer, leaving voice mail messages. I was stressed out because they wanted me to pay {$900.00} a month and, at the time, that was physically impossible for me ( I was working full-time at a rate of $ XXXX ... you do the math ). I tried negotiating an amount. The most I could pay a month was {$100.00} or so, but they would not accept it. 

Finally, I became so outraged ( I 've even developed a complex as a result of having to deal with them ) that I changed my telephone number. I tried working out plans with them and they would not budge, so I quit trying to negotiate altogether. 

Now, I have my federal loans consolidated and am working with agencies to have the XXXX loans fixed. I am paying them off, XXXX month at a time ; however, the PRIVATE loans that Navient currently has, through XXXX, I feel are unfair and should be dismissed : a. XXXX is closed. They were n't accredited and they violated regulations and laws and used coercion to try to make me remain a student ; they did not inform me as to the costs associated with their school ; I should not be responsible for paying back loans to a school that defrauded me. 

b. I should not have to repay Navient as both they and XXXX violated federal law in the ways that they tried to have me repay them. They harassed me, would yell at me over the phone, and, even now, report CANCELLED LOANS on my credit report. They have ruined my credit and it is all because of the fact that XXXX took advantage of me. My loans should be forgiven and/or dismissed for the duress and negative impact that the stress associated with them have caused me. I HAD TO CHANGE MY TELEPHONE NUMBER to stop them from HARASSING ME. And the fact that they threatened me in attempts to having me repay them should not be overlooked. I do not feel comfortable working with them. PERIOD.