Consumer complaint received 2016-09-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

Complaint:
To whom it Concerns, I am XXXX years old, I am employed at XXXX XXXX XXXX in XXXX XXXX, Ga. My job title is XXXX. I am a single mother of XXXX year old son, who goes to daycare and has been going to daycare since XXXX months old. The reason of this letter is to stop the harassment and threatening calls from XXXX/Navient and come to a settlement or arrangement to pay them off without the calls and threats of garnishing my checks. Also, for a reasonable cost that I can afford based off of my financial situation. I have spoken with Navient and even went through my finances and bills with them to determine if I qualified for a program that allowed me to make a payment of {$210.00} a month, which was still too much for me but I agreed. I was able to get in the program, I started making payments XXXX XXXX, 2016, after my XXXX payment was processed and cleared, by the XXXX Payment they tried to pull a payment out of my checking account on a date I did n't agree on. They also did not send me a copy of the agreement to begin with, so I would not have a copy. Navient tried pulling funds out of my account twice and each time they attempted my bank " XXXX '' charge me a NSF fee on XXXX XXXX, 2016 of XXXX and XXXX XXXX, 2016 of XXXX because I did n't have the money. What happened was the representative changed the date I make my payment but did not delete the previous date an this happened twice where the representative made that mistake of not stopping a payment when I changed the date for it to come out. So that made two attempts of taking funds out of my account. After speaking with several customer services representatives I finally got to speak with a Supervisor who told me that the employees are human and make mistakes and proceeded to defend them and argue me down about being behind on my payments anyways. I have been struggle to just take care of my bills and be able to provide for my son. I can barely pay the bills I have and ca n't afford to live on my own, so I am living with relatives until I can get financially stable. I have explained this to Navient representatives each and every time I speak with them. I do n't make enough to pay the amount they are asking for and I have explained that to them over and over again as well. I need help to put Navient behind me, the XXXX and making it difficult to raise my child like I should. I have a Co-signer on my XXXX/Navient loan, which is my mother who receives harassing calls day and night. It has seriously put a strain on her, so much that she has been making payment on a credit card that she can not afford and causing her to add another bill to pay. She is struggling to pay Navient because of her health issues and medicine she has to pay for. The XXXX and medical bills to pile up as well. My mother has medical needs and the pressure that Student loan companies like Navient is forcing is causing some of these issues for us both. To have someone threaten to garnish your pay checks is XXXX. Outside of XXXX XXXX Navient we still have other bills and health issues we have to pay. We ca n't pay anybody if we are not living. We need help to resolve this life alternating issue.

Company response to consumer: Closed with explanation