Consumer complaint received 04/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This is concerning XXXX XXXX XXXX and XXXX XXXX/Navient. 

I was a student at XXXX XXXX XXXX in XX/XX/XXXX ( ish ). While going through the student loan process, I was unaware of the amount of debt that I was getting myself into. A staff member kept me occupied while another filled out my loan paperwork. He did not directly disclose to me what I was getting myself into. Instead, he would ask questions while the lady would talk to me, occasionally asking me to " sign here '', but never really disclosing the amount of the loans. 

I never received a bill or statement for the first six months. 

With that said, the staff of the school violated federal rules. For example - I was enrolled in a XXXX class ( which I fully expected to fail, despite asking multiple times for help from the professor ). At the end of the course, however, I noticed that my final grade was a XXXX The professor and school manipulated my grade. I did not understand the material and I wanted to, but it was more important to pass me than to teach me. 

Also - students would often not show up, but the professors would sometimes mark them as being present. 

At the beginning of the second semester, I received my first bill from XXXX XXXX AND the school warned that I did not have enough money to continue classes there. I was outraged at the amount that I owed ... and when I questioned XXXX and communicated my dismay with the deceptive tactics that they used to basically hide the amount of the loans from me ( I 've learned now about Caveat Emptor ) I was livid. They did n't care and offered no method of rectification. 

I quit. 

Then came the harassment from XXXX XXXX. 

For the following years, I received numerous calls from them, was even screamed and yelled at over the phone by their employees. I offered to make payments ( despite only making $ XXXX/hour at the time ), but they were n't the {$700.00} to {$900.00} payments that they said I owed. They would not accept ANY payment and continued harassing me ( including violating federal law, by calling more than 2 times within a 30 minute period of time ). 

Even now, I have tried working out payments with Navient, but the amount that I offer to pay is not enough. Granted, it is not as much as I could have been paying them in the past, but it is still a decent amount. 

Their customer service is deplorable. For instance, I just called - and an employee said I needed to talk to someone in customer service. They gave me the telephone number, which ended up being the main number to Navient ( which is automated and places one on hold for a great length of time ) ... there is no direct telephone number to their customer service department. 

They also claim that they sent one of my loans to a collection agency - XXXX XXXX XXXX - which, by the way, I have communicated with ... they have called from a series of telephone numbers that, according to XXXX searches, do not exist. They have also yelled at me via telephone and have even harassed me at work ( despite me asking them specifically to not call me there ). 

I understand that I have debt ; however, I feel as though XXXX XXXX XXXX, Navient, XXXX XXXX, and XXXX XXXX XXXX are all corrupt, deceptive, and used shady and unethical practices and tactics to ruin my credit and I would like to speak to someone regarding filing formal complaints against all ; or, at the very least, have some of my debt removed and my credit cleaned up. I was young, naive, and inexperienced with everything at the time that I attended that corrupt institution and have been wronged and treated extremely poorly as a result.

Company response to consumer: Closed with explanation