Consumer complaint received 12-10-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 'm writing to you with the hope of exposing what my family and I have endured with XXXX/Navient over the last 8 years. Moreover, I 'd like to ask for your help. I feel that I 'm being cornered and I do n't know how to further defend myself. I need your assistance in bringing an end to the bullying, harassment, incompetence, and the never-ending debt that binds me to XXXX XXXX/Navient. 

Several recent events have made me reach out to you. It seems that XXXX XXXX/Navient is becoming increasingly fearless, and they 've gone as far as issuing threats and attempting to extort my mother. The harassment, too, is becoming unbearable. They call my mother and uncle ( my co-signers ) XXXX times a day, and they call everyday. I receive at least XXXX calls a day, beginning as early as XXXX - even on weekends. 

My mother graciously pays for XXXX of my private loans to which she is a co-signer. For over a year, she was paying {$50.00} a month, and without warning, XXXX XXXX/Navient raised her payment by 320 %, making it {$160.00}. She immediately called XXXX XXXX/Navient and told them she could not afford the payment increase. After asking her several questions, their " automated system '' decided that she could, in fact, afford these payments. My mother, once again, told them she could n't, to which the operator told her, " If you do n't make your payments, we can report you and it 'll hurt your credit. '' That is extortion. That is a threat. They do n't have the right to threaten us with financial demerits. A good person should n't be hurt for wanting to send their kid to college. XXXX XXXX/Navient 's behavior is XXXX, XXXX, and XXXX. 

Over the years, XXXX XXXX/Navient has only shown itself to be incongruent, untrustworthy, and unreliable. I have invested countless hours into phone conversations, trying to negotiate a fair monthly payment. In the Spring of XXXX, XXXX XXXX/Navient and I reached an agreement, and for nearly six months, it worked out well. Without warning, and without my consent, XXXX XXXX/Navient increased my monthly payments by 343 % ( sound familiar? ), causing my bank account to be overdrawn and forcing me to spend money I had set aside for taxes. I called XXXX XXXX/Navient and explained that I could not afford the payments they had set for me. After asking me several private questions, their " automated system '' decided that I could, in fact, afford the amount they were automatically withdrawing from my bank account every month. The fact is that I 'm still paying my XXXX back taxes, and as a freelancer, I have to set aside 26 % of my paychecks, which XXXX XXXX/Navient does not take into account. After running the numbers, I have a monthly surplus of {$2.00}, and I do n't have health insurance. Their " automated system '' informs them that I can pay {$470.00} a month. How is that possible? Why is my fate being decided by a computer anyhow? Should n't there be a sentient, cooperative human being helping me navigate through the worst financial crisis of the last sixty years? 

Both my mother and I have called XXXX XXXX/Navient to negotiate payments, only offering what we could afford. XXXX XXXX/Navient, however, denied our offers, stating that they were insufficient. It 's all we can afford, so how can it be insufficient? 

I am willing and prepared to expose what XXXX XXXX/Navient has done to my family and me. I hope that you understand my full resolve on this matter. I can no longer bare the indignities and financial agony that XXXX XXXX/Navient imposes on me. 

I have composed an XXXX-page letter detailing several instances in which XXXX XXXX/Navient was unfair, bullying, and undeniably incompetent. This letter also breaks down my monthly finances, proving that I can not afford the payments they demand. At your request, I can provide you with these full accounts. 

Thank you for your time.

Company response to consumer: Closed with explanation