Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XX/XX/XXXX 's I took out XXXX federal college loans ( for total of {$22000.00} ). Before I graduated I was contacted by XXXX and they were insisting to consolidate my loans. They were persistent and kept saying that I will benefit from it as would actually pay less, my monthly rates would go down etc. The repayment was planned for XXXX years. I 've signed consolidation agreement with on XX/XX/XXXX ( XXXX ). They have increased my interest rate to XXXX % and the fact that they were XXXX interest was not included. That worked out XXXX $ of interest alone. Also on the only form I 'd signed and sent back to XXXX, somebody marked ''MAX XXXX option '' ( 4 years interest only ). More crucial info was on the forms I 've never seen until now Navient sent them, and they have no signature of mine. 
After I graduated, got payment book with payment slips from XXXX and was paying my loan for XXXX consecutive years, never missed a payment or was late. Then I called them to check my balance and XXXX told me that now I owe them {$28000.00} and did n't even pay the interest yet. I was confused and kept paying. At some point I 've decided to get lawyer ( XXXX, XXXX CT ) XXXX and was told to stop all payments as the outstanding amount given by XXXX was wrong. Unfortunately the lawyer had died sometime after and as it was XXXX person office I had never found out if anything had been done with my case. 
My loan was sold to some collection agency, XXXX of many who contacted me over the years. I was offered twice to get out of default ; the second time I was told over the phone that if I 'd made certain payments ( {$240.00} ) on time for XXXX months the student loan will be taken out of my credit history and my loan account will be closed. Despite of completing payments as verbally agreed ( I authorised company to debit monthly my account ), my loan was sold further and another penalties and selling costs were added up on my debt, not to mention ridiculous daily interests. 
I lived in XXXX between XX/XX/XXXX-XX/XX/XXXX and started family there. After return to XXXX my very first tax return was garnished ( {$2700.00} ) by government towards my college loan which mounted up now to XXXX $ ( as on XX/XX/XXXX ). In the beginning of XX/XX/XXXX I was contacted by NAVIENT and XXXX who now regularly sends me letters for collection. I went to few lawyers but when they hear " federal '' they say they can do nothing. The only thing I found out is that I have legal right to request full loan account history from the first day of its life until now. Since XX/XX/XXXX I called XXXX several times and I always hear that they can do nothing about my debt and it has to be paid. I also requested XXXX to provide full history of my loan account with included loan dates, amounts I paid ( I lost my payment copies during hurricane in XX/XX/XXXX ), how did they got to {$28000.00} after making payments for XXXX years. They keep saying they do not have documentation of my college loan ( but I still have to pay of course ) and again - can not confirm it in written like any other info I asked them for. In XX/XX/XXXX I got only XXXX letters with identical Statement of Purchase which shows name of XXXX on, I contacted them as well. They also claim that they do not hold documentation regarding my college loan, neither is XXXX Funds, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX who I contacted several times between XX/XX/XXXX-XX/XX/XXXX to get to the bottom of my case. So over the last XXXX years I was harassed by collection companies over the mail and phone, my credit is broken, had to pay higher rates on financed cars, credit cards, I 'm unable to purchase the house for my family, last tax returns have been garnished. I 'm also threaten now that my wages will be garnished

Company response to consumer: Closed with explanation