Consumer complaint received 2016-11-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I had a loan with XXXX XXXX which is now Navient. I admit the loan is in a collection status but I have been paying on for a couple of years now. The collection loan was being handled by allied interstate. I was in an interest free program paying $ XXXX month. XX/XX/XXXX, XXXX XXXX stopped deducting the payments out of my bank account without notifying me. I realized last week that the payments were no longer being deducted and I called them. The gentleman I spoke to advised me that because I was set up on this interest free program for a year, once the year was up, the payments stopped. I asked him why did n't anyone notify me. He had no answer. He asked me if I could submit a payment that day, and I did, for {$100.00}. I advised him I would call back to set up a new arrangement once I figured out my financial situation and if I could afford to pay more than what I had been paying. He asked me if I could settle for {$10000.00}, and I advised him I do not have that kind of money. He then asked if I could pay anything over {$5000.00} to settle, and I said no. He asked me to take out a loan to pay the bill?? Who does that?? Anyway, yesterday morning XX/XX/2016 at XXXX, I recieved a call from XXXX XXXX of XXXX XXXX XXXX. This representative was very very rude. He began in a very harsh tone demanding why I stopped paying on my loan to Navient. I said excuse me? I thought I was paying to XXXX XXXX? He said the account had just been transferred to their agency and he was calling to settle the account. He said he could settle it for {$10000.00} and I said I do n't have that. He then very rudely said well they paid for your education, you need to pay them back.. How are they allowed to call very early in the morning and be very rude and disrespectful at that. His manager, XXXX XXXX then chimed in and advised that would take over the call. He also again asked me why I stopped paying. I told him the same story I told the other gentleman last week. I was not aware the payments stopped coming out of my account and that I made a payment last week to XXXX. He said well they did n't receive any payments from me because the account was just transferred to them. I said how is that my fault? I did n't know when I was making that payment that XXXX is no longer handling my account. How is that fair and legal that XXXX XXXX can take money from me, and then transfer the account to XXXX XXXX XXXX and they have no record of the payment? The collection rep was so demeaning and rude and spoke to me in a very harassing manner. This is very stressful situation and I am thinking about getting an attorney. How can these collections companies keep transferring accounts but do not notify the consumer. Then they call you and get you to give them money right before they transfer it, but they do n't notify the other company of the payment. How is this fair and legal? Also, why do they have collection reps who are very rude and nasty, calling at XXXX. This entire situation has been nothing but XXXX on me and I have contacted an attorney.