Consumer complaint received 06/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been harassed by Navient formerly XXXX XXXX on a recently defaulted loan. I am being called on my cell phone and at my work place after advising an account representative to only use my cell phone number provider. I first contacted Navient on XXXX XXXX to provide them with information regarding repayment. The representative advised my account manager was on lunch and that I should try withdrawing funds from a XXXX or borrowing the money from relatives. I found this to be very strange since she could not actually assist with my account. I advised her I was at work and would call back on Monday XXXX XXXX since the office was only open until XXXX that day. I also advised her and verified my cell phone number was the only number I was to be contacted on since I can not take personal calls at work and never gave out my work phone number. She said she noted the account and I would only be contacted at the number I provided. 30 Minutes later I received another call on my cell phone from my account manager asking to call him back and that my work place was contacted. Once again I already told the rep I spoke with I was at work and would not be off until XXXX when their office closed. On Monday XXXX XXXX I received a phone call to my cell phone and another call to my work place advising to call back and that Navient was returning a voice mail I placed. I never placed a voicemail and had specifically told the rep my cell phone number was the only number to call and I would be calling in after work. I immediately called back to speak to my account manager. I started by asking did he see the note to not call my employer work number since I can not receive personal calls there. He went on to say he saw no note and that he could not get a hold of me so he went to that method. I advised that I never gave Navient that phone number and my company has many different departments and numbers and to not use that number. He then stated since I was hiding so he had no choice and this is how he got me to call back. I advised I was not hiding but at work and preferred for Navient to not use an employer number I never provided. I then asked to speak to someone else revolving my account because I did not like the aggressive tone the account manager was using. He made no efforts to rectify the situation and persisted on threatening to send paperwork to my employer to garnish wages in 5 days. I never spoken to anyone regarding my options before this would take place even if it was possible so felt he was not being truthful. Reluctantly I was transferred to another gentleman who was not much help either. I asked him if he could go back and listen to the call with the account manager because I felt the information I got was incorrect. He too disregarded that question and advised I needed to settle this immediately. I advised I had not reviewed my options with anyone so I did n't know the options and why I was speaking to him. He went on to give me the options which I said was not feasible currently. He then told me I did n't even try and was unwilling to make an effort and that I should withdraw from my XXXX information I gave my account manager. I advised I never gave my account manager any XXXX information but only spoke with a rep who advised if I had one that would be a option. He then persisted on telling me I need to borrow money from family or friends and I 'd be suprised on how many people may help. I advised I could not come up with that money and needed another option. He then replied I 'm not making any money off this account and could care less what I did. The conversation ended with no resolution. I 'm asking for help because I know myself or my family can not come up with that amount of money and would like to be put on a reasonable plan.

Company response to consumer: Closed with explanation