Consumer complaint received 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (HI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX CFPB, This is a somewhat complicated situation. I 'm a member of the Hawaii XXXX XXXX XXXX and have been XXXX for military XXXX of various time lengths in the last couple of years. My civilian job has been very helpful and has worked well with me and my family with the transitions, up until this point, that is. The attached documentation is in chronological order and I will try to explain it in this letter in the same manner. 
The first letter I received was dated XX/XX/XXXX and it is telling me I have a debit of {$1700.00} in unpaid health insurance. I elected to pay for and maintain my civilian coverage while on XXXX XXXX to allow my family to keep our same providers and use my military insurance as secondary coverage. It states in the letter that my payments are scheduled to be taken out of my check and that I would maintain the pretax benefit with that. I elected to let that procedure take place as outlined in the letter. I was back at the USDA from XXXX until XX/XX/XXXX ; I then went on XXXX XXXX for XXXX more weeks from XX/XX/XXXX until XX/XX/XXXX. I then returned to the USDA on XXXX XXXX XXXX and stayed there until I was activated on the orders that I am on now ; XX/XX/XXXX until XX/XX/XXXX. 
XX/XX/XXXX I received the attached letter from the Treasury Dept. that stated I owed {$660.00} and listed a website and a telephone number. The website seemed suspect to me and was asking for all my personal information, so I called the phone number on the letter and left messages there, with no response. The letter also stated on the top my debit was {$660.00}, but at the bottom payment coupon it says I owe {$850.00}. I contacted my supervisor at the USDA and he contacted one of the USDA PR personnel that are located in XXXX. They both advised me to wait until they checked it out to make sure it was legitimate. 
Next, I received a phone call on my cell phone from Pioneer Credit (? ) asking if I was who I am, what was my birthdate, address and last XXXX of my SS. Of course I was very wary of answering, but then he told me my last XXXX! He wanted me to send them a copy of my orders and I told him the USDA had copies of my orders and if they sent him to me, they can give him copies of my orders. This is what rekindled my efforts at finding out what is going on, so I contacted my USDA Supervisor and the USDA PR person. The PR person sent me the information attached dated XX/XX/XXXX that outlined my medical insurance payments and what is still due. On page XXXX it states I owe a principle of {$630.00}, interest of {$2.00}, a penalty of {$6.00} and administrative costs of {$30.00}. After I obtained this information I mailed a {$500.00} check to the Dept. of the Treasury in XXXX XXXX with the attached XX/XX/XXXX letter. I will mail them the remaining amount when I find out if I am liable for the full amount. This brings me to one of my questions ; Am I responsible for the interest of {$2.00}, a penalty of {$6.00} and administrative costs of {$30.00} or does the Servicemembers Civil Relief Act allow for these charges to be waived because they were incurred while I was on military duty and they are trying to be collected while I am again on military duty? 
But the main reason for my contacting you, is that I visited my banks yesterday and was told that this incident is appearing on my credit report and causing damage. Again I need to ask ; does n't the Servicemembers Civil Relief Act prevent my credit from being damaged because of this? 
Please let me know if you need any more information. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation