Consumer complaint received 12-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Michigan XXXX XXXX XXXX XXXX, XXXX XXXX, MINavient harrasses me and co-signers by phone and continues to do so even though I have never been in default. 

They treat me and my co-signers disrespectfully. 

They add fees, jack up interest, and refuse to offer reasonable, payable, payment plans. 

They allocate payments they way they want to even with written instructions as to the payment allocation. 

Web payments sometimes do not go through initially or no confirmation is given. They may then go through several days later, or I may remake the payment as there is no record of it. This is a scam to get paid twice. 

They make many errors, including reporting a co-signer 's credit balance as a past due amount on the credit report. 

They sometimes send statements to co-signers, sometimes do n't. 

Navient makes marketing calls and send out marketing information to borrowers and co-signers. 

Navient presents itself as an advocate to encourage personal financial responsibility by learning to manage the loans, but then makes it impossible to do so. People are financially destroyed. ( Please see XXXX XXXX 's statement on the website about this - total hypocrisy.sEmployees are rude. They do not respond to complaints. They treat borrowers like they are criminals. 

Every time you talk to a phone represetative, you have to start all over. You can rarely get the same person twice. 

Uploaded documents never show up on the inbound correspondence summary. 

Even when a payment agreement was rescinded by me, in writing twice, they continued to take money out of my bank account. 

The loans are fraudulent. Borrowers were not informed that the loans were issued under a money by fiat, fractional reserve banking system so that no assets were given at initiation of the loan. 

Interest and fees guarantee that the loan will double/triple and will never be able to be paid off. Loans are bundled/securitized and sold off to investors. 

Navient/XXXX XXXX 's intent was that the borrower would become an indentured servant with no way out. BUT that was not the understanding of the borrower at the time of loan initiation. 

Navient acts as if they own you and demands access to all private and financial information. They want to grill you on how much money you spend on food or pets, and try to tell you how much you should spend and how to live. 

Navient does not care if they destroy lives. Their only motive is to make a profit off of human beings they have commodified. 

Their practices are shady, change often, and are always guaranteed to cost more than stated. My accountant has reviewed the original loan documents and confirmed that the actual interest rate I am paying is much more than stated on the loan document. 

Education is a human right and the US is the only developed country that does not have a free higher education option. We are an oligarchy where only the rich and powerful have access to basic needs. And our government allowed itself to be bought by XXXX/Navient lobbyists and removed consumer protections and bankruptcy options for student loans. 

Navient is a criminal operation. I have written XXXX XXXX several times, talked with XXXX XXXX in the Customer Advocate office and get NO WHERE. For 12 months I worked with them to get a reasonable payment plan when my salary was reduced when I took a new job. There has been no reasonable option available. 

This has destroyed my family who co-signed and ruined my life. I am XXXX, will never be able to retire or save any money. One year I paid {$15000.00} in loan payments and the loans continued to grow. In what universe does this make any sense? 

Why has this even been allowed in this country? Is there no one to help? Unless there is major change, do n't be surprized if many more people XXXX. We all need to stand up and refuse to pay until this system change

Company response to consumer: Closed with explanation