Consumer complaint received 2018-02-13
Product: Student loan 
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA
Tags: Servicemember

Complaint:
My complaint is towards XXXX XXXX and Navient. I have been paying on a {$16000.00} dollar student loan for 13 years, for classes from a for-profit school, XXXX XXXX University. After looking into it theres been some serious mishandling from the beginning. They have not complied with the Servicemembers Civil Relief Act. There is also missing payments. The amount I paid for years is not what they have on file. They have changed the terms of my loan without my permission. Harassing and threatening my co-signer, by making false accusations that I was not making the payments when I was. Scared her into making payments. Sending me and my co-signer statements with different balances. Those are just a few of the many issues Ive had in the past 13 years and Ive had enough. When I got out of school and couldn't find employment XXXX XXXX refused to help me in any way. I decided to join the military on XX/XX/XXXX because I wanted to serve my country and the incentive of the Service Members Civil Relief Act. It caps interest rates at 6 % on pre-existing loans and looked like the answer to get out of student loan debt quickly. I contacted XXXX XXXX on XX/XX/XXXX and provided them with proof of my XXXX XXXX service. XXXX XXXX lowered my payments but raised my interest rate soon after. But with me being a young adult with not a whole lot of experience with debt and loans, all I saw was a cheaper payment and continued with the impression everything was going the way it was required to. I also contacted them about the debt relief program, I was told my loans did not qualify. I lost all hope in ever getting it paid off in a reasonable amount of time. I'm so sick of this burden, it is a constant reminder of a bad decision I made to chase a dream that only became a nightmare. On XX/XX/XXXX my mother cosigned on a student loan through XXXX XXXX XXXX XXXX XXXX XXXX program, for the amount of {$16000.00}. We were advised by XXXX XXXX 's financial aid administrator to receive our student loans through XXXX XXXX 's program. On XX/XX/XXXX my mother received a Past Due notice. This payment was not past due. Also in my mothers past due bill under Principal Balance it says only {$16000.00} was left on the loan. On the same past due statement I received, shows the Principal Balance to be {$18000.00}. You will see from just a few of the many documents I have, that there is something seriously wrong. First attached are the faxes from XXXX XXXX acknowledging my XXXX XXXX service in the XXXX. Then the contract for {$16000.00}. Following a few billing statements showing my payment history. These show many examples of the higher payments my mother was paying, that does not coexist with Navients payment account history. One statement shows, a last payment received on XX/XX/XXXX in the amount of {$200.00}. Now when I go into the loans account history with Navient it shows only {$140.00}. This type of mishandling goes on and on. Then you will find just a few of my payment stubs to show that payments my mother made are completely missing from the account history. Ive included one of the checks made out to XXXX XXXX on XX/XX/XXXX. In the amount of {$210.00}. Navient shows nothing in that amount for the time frame. I believe for profit schools like XXXX XXXX University and student loan providers like XXXX XXXX and Navient, designed these programs to fail so they could make huge profits. Now that I have a service connected XXXX through the military and live on a very tight budget. I've paid XXXX XXXX and Navient almost three times the costs for an unaccredited education from a school designed to make a profit off the youth of our country. I held my part of the contract and they did not. I think its only right to receive a full refund, plus interest, for all the pain me and my family has had to put up with for numerous years.

Company response to consumer: Closed with explanation