Consumer complaint received 2017-11-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.

Complaint:
Two-legger, add this onto the complaint I filed earlier this year in XXXX, I believe, against Navient. 

For effect, please play XXXX 's " XXXX XXXX XXXX XXXX '' while reading this Recall : Navient abandoned its position of loan host in the middle of my degree, then threw my loan into default, when it was supposed to be in deferment while I attend XXXX XXXX in PA. They claim they have me listed as exiting XXXX XXXX. They did this to me a decade ago, too. 

In XXXX they cancelled my loans when I was about XXXX classes shy of a degree at XXXX. And English degree. I would have saved more money if I had bought a bottle of XXXX and a shovel, dug a hole and jumped in it. Now, flash forward 13 years and they cancel this round of education about five classes shy of a technical degree to address a gap in professional skills. That is XXXX on a student. I make {XXXX XXXX while in school and pay rent on a place. I make XXXX a week. I want this degree asap so I can go back to work! XXXX grant, sciencing, much brain, very try. Navient prince of darkness, made sure grad school was an unpleasant choice a decade ago and also ruin my chance now at getting an advanced degree, of which I am obviously capable of getting. 
Now they blow me out of the water 3/4 though a work-study under a XXXX grant. I reported their lack of tact and questionable analytics in the hopes I could find out why they chose to back my loan in the first place, again, and then terminate it short of order. 

My question was never satisfied. Why did they give me a loan and cancel it before I received my degree? Why again? My home was foreclosed in XXXX when I was laid off because I was out of step with technology, went back for retraining only to run into this goofy loan servicer again. Them throwing my loan into default further hurt my chances of even getting a cosigner on a loan. The arbitrary amounts slay me, oh you hit the limit that we made up, XXXX. The return should be a derivative of the student hiree, and Navient knows that. It 's like panning for gold. No one wants the mountain. You have mountain until you have degree. Degree is gold. Navient says, ok, mountain is good. So, I was sad that they dumped me without my tools in a mineshaft and said I needed to get the gold chop chop, and that I would be likely to get a degree and pay back my principle was nothing to them but a wash in a pan, but I did n't have pan! No pan, amigo, es no bueno. 

Why should n't they have a biased incentive to see me pay this outrageous tuition back? I paid my loans when I worked before. I will pay them again, but, three months after " putting my loans in default " they have written me a letter to acknowledge they received my initial complaint I filed with CFPB. They also resumed sending me email at XXXX XXXX and stuff like that, classy. AND they also said I start paying them back in XXXX based off of ... I was curious, so I called them. If they were n't servicing my loan, why were they doing proactive denial of service communication and why expect green stacks in XXXX? 

I called and explained my query. The rep said records show I graduate in XXXX XXXX. I said why so because the school knows I do n't graduate until XXXX XXXX. We ( Bursar, fed aid office, Dean ) went over paperwork in XXXX when I filed for a XXXX loan. Because Navient quit helping, and started shoving. The rep admitted the school was due to file this paperwork in a month or so, but I could speed it up by going to campus to demand the paperwork before they would normally release that to them. Shocking. Shoving again. I asked if the info that lead to the conversation was meaningless because the school would update it and invalidate the reason for the letter or my call, and the rep said yes. So it was not really necessary, I asked, for them to send the letter or for me to go to school and make them file paperwork that would be invalidated in a month and the rep said no, there was no reason to do anything or make the school do extra work for nothing, no, the rep said, no there was not. 

I said I would add this to my complaint. And now I can go back to trying to find a job because I am squared away with my engineering studies and need to find a way to make more than XXXX a week at my fantasy college job. 

XXXX, and thank you, XXXX XXXX

Company response to consumer: Closed with explanation