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. (WA)

While in Chapter XXXX Bankruptcy, part of the debt included repayment off XXXX Navient Student loans of {$11000.00} and {$42000.00} respectively. 
I took out these loans to help our son, Will, complete his XXXX degree at the University XXXX. 
The bankruptcy trustee indicated that these, along with all of the other " Unsecured '' debts included in our settlement, would not be accumulating interest. 
In e paid off all of our bankruptcy debt early after receiving an inheritance, including the XXXX ( Navient ) loans. 
After the bankruptcy case was closed, ( discharged as of XX/XX/2016 ), I received a letter from Navient stating that we still owed them {$2500.00}. The bankruptcy attorney thought it might be for accumulated interest not included in the Chapter XXXX filing. 
Navient provided no explanation for the additional fee, but implemented an electronic billing of $ XXXX/month for the {$2500.00} mysterious debt. 
My wife and I paid the {$2500.00} to Navient and received a payment in full letter. 
Now, I believe that we have been wrongfully charged by Navient and would like to seek a refund, plus interest. 
What follows is a transcript of the communication between myself and our Bankruptcy attorney 's legal aid - From : XXXX at XXXX XXXX XXXX XXXX ; Sent : Monday, XXXX XXXX AM To : XXXX XXXX Subject : RE : Ch.13 XXXX Outstanding Student Loan Amount Issue Hi XXXX , I will look in to it and see what I can find out. I had a case recently where the same thing happened and it was interest that accrued on the debt while the bankruptcy was pending. The proof of claim that is filed in the bankruptcy gets paid at face value but the interest continues to accrue. 

I 'm not sure if that is the case here for you, but it very well may be. I 'll see what I can learn. 



XXXX XXXX Legal Assistant XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( fax ) XXXXXXXXXXXX From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Monday, XX/XX/2016 XXXX To : XXXX at XXXX XXXX XXXX XXXX ; Cc : XXXXXXXXXXXX Subject : XXXX XXXX Outstanding Student Loan Amount Issue XXXX , I hate to bother you after our XXXX bankruptcy has been completed and closed, but recently we 've had NAVIENT ( the old XXXX XXXX Student Loan dept . ) send us an electronic billing in the amount of $ XXXX/month against a loan balance of {$2500.00}. 
I called the NAVIENT help line, but the person was of no help. 

Per our Ch.XXXX final status, we fully paid off XXXX separate claims associated with our student loans : Claim # Orig. Claim Amount XXXX Department of Education - U - UNSECURED {$11000.00} XXXX XXXX XXXX ( XXXX ) - U - UNSECURED {$42000.00} The individual I spoke with said that I needed a letter from our attorney stating that we had, indeed, paid off our debt to XXXX XXXX ( NAVIENT ). 

Obviously, if this is a legitimate outstanding debt, we will pay it. 
But I ca n't really tell. 
The other peculiar thing about it is, we never asked NAVIENT to put a HOLD on any loan payment. 
Had we been late on a payment to them, I would expect them to raise all sorts of fuss at not being repaid. 

The question then is, after paying {$54000.00} toward our educational loan debt, how is it that we still have {$2500.00} remaining? And even then, why did NAVIENT wait XXXX XXXX years after going into bankruptcy before asking for repayment? 

Can you help us straighten this out or point us in the right direction? 
Thank you for your time and attention in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX | Work XXXX | Cell XXXX XXXXXXXXXXXX