Consumer complaint received 11/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX, XXXX XXXX XXXX Account XXXX Signature Loans - Non Federal XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX, XXXX Navient XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Consumer Financial Protection Bureau XXXX : XXXX Dear Navient and Consumer Financial Protection Bureau ; The purpose of this letter is to file a complaint because my husband and I were called liars three times by a Navient Representative. The second reason is to present proof that we have made numerous attempts to reach out to Navient to respond to the XXXX signature student loans XXXX, XXXX and XXXX. 

Liar, Liar & Liar On Thursday, XXXX XXXX, XXXX, we placed a conference call to XXXX ( Navient 's phone number ) from XXXX ( XXXX, XXXX XXXX XXXX cell phone number ). The time was XXXX. and the call lasted eleven minutes. We proceeded to inform Navient of the communications and required documents to the attention of the private loan department at XXXX on XXXX XXXX, XXXX at XXXX and XXXX XXXX, XXXX at XXXX. We had a drastic change in income. The Navient Representative stated, " I know you are lying because we do n't even list a fax number on any web site. '' I attempted to tell her, we also mailed this information to Navient Private Loans, XXXX. XXXX XXXX, XXXX, PA XXXX. The Navient Representative stated, we did n't receive anything and you are lying. 

I continued to try to tell the Navient Representative that I have missing credits. My husband and I made a couple payments based off of XXXX special payment Navient letters. Again, because I did n't have the actual letters for codes in front of me, the Navient Representative did n't believe me. 

False Litigation Review Letter Content I am contesting the " content '' contained within this letter. It is incorrect because I have been responding to Navient in several methods. The letter is dated XXXX XXXX, XXXX, however, I did n't receive it until XXXX XXXX, XXXX at XXXX in between my door. This was also delivered by XXXX. 
So why the false XXXX XXXX, XXXX date on the letter??? 

Please reference the following to validate the information provided above. 

Navient 's Own Private Loan Fax and Mail Information XXXX XXXX, XXXX Fax Confirmation, XXXX Pages ( I sent to Navient ) XXXX XXXX XXXX, XXXX Navient Special Program Opportunity Letter XXXX for " XXXX, XXXX, XXXX '' XXXX XXXX, XXXX My Payment Confirmation XXXX of XXXX Paid by Phone to XXXX for " XXXX, XXXX, XXXX '' XXXX XXXX, XXXX Payment Confirmation XXXX of XXXX Paid by Phone to XXXX for " XXXX, XXXX, XXXX '' XXXX XXXX, XXXX Navient Letter " Make Us An Offer '' XXXX for " XXXX, XXXX, XXXX '' XXXX XXXX, XXXX Letter I Mailed to Navient ( Form, XXXX Taxes with XXXX, Current Unemployment, etc. ) XXXX XXXX, XXXX Fax Confirmation, XXXX Pages ( I sent to Navient ) XXXX ( Form, XXXX Taxes with XXXX, Current Unemployment, etc. ) XXXX XXXX, XXXX My Payment XXXX Confirmation XXXX of XXXX through Web Account XXXX XXXX My Current Web Account History ( Signature Loan Past Due States Since XXXX XXXX, XXXX ) XXXX XXXX, XXXX Navient False Litigation Review RECEIVED XXXX XXXX, XXXX XXXX for " XXXX, XXXX '' XXXX XXXX, XXXX XXXX Envelope ConfirmationXXXX XXXX XXXX XXXX, XXXX This Letter in Response to False Litigation Review Current household income for XXXX is XXXX net weekly with a mortgage payment of XXXX. We are not refusing to pay we are simply trying to have a place to live first. Next, is food with our XXXX monthly food stamp budget and once a month food pantry supply.

Company response to consumer: Closed with explanation