Consumer complaint received 2024-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient calls me every day three time a day even after I have spoken to a representative and let them know I can not afford what they want to offer me right now. 

They call my co signer all day every day and have left him messages. We are divorced and he has a limited income as well, he can not afford payments. They do not leave me any messages and call me from different numbers. I had been working with an advocate by the name of XXXX XXXX XXXX and have asked her repeatedly to call me but she does not respond. I have asked representatives to connect me to her and some say the can not, some say she is not available and some have disconnected me. I can not afford to pay {$1300.00} a month and I am asking for some restructuring. I do not have the credit to refinance. My co signer does not have the money to make payments either. I am going to have to default on this debt in order for the interest to stop and so I can finally pay down this debt with am monthly amount that I can actually afford. 

I recently joined a XXXX XXXX for support with Student Loans and Navient. There are some folks on there who are being very rude to customers who are venting and asking for private loan advice. One person who I believe works for Navient is named XXXX XXXX. It is not okay for Navient workers to be be demeaning and abusive to customers who are just seeking support and advice. I have sent screen shots of these conversations to XXXX XXXX XXXX my advocate. The XXXX XXXX is called Navient XXXX XXXX XXXX. It is a public group with XXXX members. You will see some very rude comments from XXXX XXXX or also XXXX XXXX. This should not be allowed. 

In addition, I received in the mail a few pink padded bubble envelopes with the return address listed only as " XXXX XXXX on the return label ( not Navient ) and a return address of XXXX XXXX XXXX, XXXX XXXX XXXX but nothing indicating it was from Navient. I opened it up out of curiosity and there was a letter from Navient indicating " XXXX XXXX XXXX. '' I would have thrown that away normally not knowing that would have come from Navient. Would that not be classified as Deceptive? What is a XXXX XXXX partner? who is it? and won't I be working with collections. This letter is basically a threat to sue. Is that legal? when I am trying to seek help? I can not afford to make any payments until XX/XX/2024. Stop harassing me. 

I have also been told different stories about different programs from many different representatives. No one can assist me at this point. There needs to be programs for folks who are on their own or whose circumstances have changed in life for them to be able to afford their loan payments. I do not want to default but I have no choice for now. 

I am asking for them to cease and desist all the phone calls from different numbers four to five times a day, Leave a voicemail for me and to not contact any of my family members looking for me. They have my valid phone number and I have been speaking with and emailing representative regarding my account.

Company response to consumer: Closed with explanation