Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been located outside of the US since XX/XX/XXXX. XX/XX/XXXX, I received a phone call from my mother telling me to contact a company called " Navient. '' She told me that they had been calling her at least three times daily looking for me because I owed them on a student loan. I told her that I have never taken a loan from a company called Navient. I followed up with the company and was informed that I had taken out multiple loans with the company, but I was not aware of ever taking any student loans with Navient. I asked for clarification on the amounts owed and I was redirected to another phone number of a completely separate entity. The person at the other entity told me that the loan had defaulted and was in collections. I requested proof that I had taken a loan out from their company in which he proceeded to become irate with me. He told me that the said loan is with their office and I must pay them {$17000.00} otherwise they are going to garnish my wages. I then told him that unless he can provide proof of me taking out a loan with their company that I no longer consent to them contacting me otherwise I will file a harassment suit. The following day we received multiple calls from Navient, of which, we sought to record ; however, the Navient representative said, " I do not consent to this call being recorded '' and hung up the phone. Finally I did not record the call as I sought clarification of their claim. Keep in mind that after the first call, I had pulled a copy of my credit report and noticed that I had multiple derogatory claims from Navient. I was still not sure why this company was showing up on my credit report. I called their offices again in an attempt to get to the bottom of the situation, especially because my mother was receiving multiple harassing calls daily and threats of garnishing her wages from Navient representatives. I was told by the Navient representative that one of the loans was in collections which they could no longer do anything about that and the other needed to be repaid immediately. The other loan balance they claimed I have with them was for a little over {$4000.00}, but they wanted me to pay them some {$7000.00} that day to cover all interest, late charges and collection fees. I informed them that I still needed to verify the validity of their claim as there are fraudulent collection scams out there and I am still not sure of my relationship with Navient. I then proceeded to ask what payment options were there to bring the loan current to which the Navient representative replied, " You can pay on the loan, but it will not be brought current and you will still have negative reports on your credit. '' I was quite perplexed with this whole process as to my knowledge, I had refinanced all of my student loans under one payment which was in forbearance while I was seeking work. I then submitted an official letter to Navient requesting a copy of loan documents I signed ( original wet-ink signature ) with " Navient, '' which they have yet to produce. Navient is still reporting negatively on my credit report for accounts and amounts that do not match to what they have told me. Last, they still have not proven what relationship I have with Navient.

Company response to consumer: Closed with explanation