Consumer complaint received 04/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On  XXXX   XXXX ,  XXXX  {$320.00} was taken out of my account automatically because, I gave the company permission to take out the final balance due for  XXXX  so that I would have a zero up-to-date balance for the month. On  XXXX / XXXX / XXXX  I had to call Navient because I noticed there was a negative balance of {$54.00} on my account but, there should not have been because I authorize them to take the total payment that was due. When I called the agent told me that the funds were " improperly distributed ''. Upon the  XXXX   XXXX  agreements to automatically extract the money from my account, I had to agree in a recorded conversation and a follow-up letter was sent to me stating that the money would specifically be extracted from  XXXX  particular accounts. When we I asked where did the money go they did n't give me a answer.     Throughout the course of me having this loan they told me I could not consolidate my loans, I had to pay out of pocket while returning back to school in  XXXX . I was told that there was nothing I can do to stop the loans while I was in school because they were private loans ( lenders in brokers of  XXXX   XXXX  ). After months of them lying, I was told I would able to put my Navient loans on hold while I was still in school and they provided my school with the paper work to do so. After school was over in  XXXX   XXXX , I found out that they made me take a forbearances to hold off on the loan, owing over {$600.00} back student loan payment payment, which took me until  XXXX   XXXX  to catch up to with the help of my parents.     Today is  XXXX   XXXX ,  XXXX  and as I log into my account again last month I paid {$500.00} in student loan payments, early at that. Only for them to say I missed a payment and I am being charged a late fee. In the article it states on  XXXX   XXXX , " Among other things, the CFPB alleges that since at least  XXXX   XXXX ,  Navient  misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. '' This is all true information and it continues to happen to me. You have to check everything because they are Federal lying, thieves. In addition, they hire outsourced foreign help which makes it harder to understand and takes away from the American job market.     At  one  point I questioned who are they to determine how much money a person can pay back when their work situation does not meet the required payment amount a month. I was wrongly advised to be on the interest only program from  XXXX . Due to this  XXXX  poor financial recommendation by, at the time  XXXX   XXXX . I never touch my principal loan until  XXXX . When I inform them that I can not meet the high standards they 're requesting me to make due to the poor job market, I asked them should I be out i n the street  homeless they told me yes! If that 's what I needed to do to pay them.

Company response to consumer: Closed with explanation