Consumer complaint received 2019-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I asked for in school deferment as I had two XXXX online courses - the one with XXXX was the only one I requested to be considered. Navient was slow in sending the forms after they agreed to send them in XXXX - the course ran from XX/XX/XXXX to XX/XX/XXXX. In XXXX they finally sent the forms which I promptly filled out and sent back to them. They have never responded about the disposition of my request, instead they continue to demand payment even as I have sent them a payment - {$50.00} XX/XX/XXXX - and am send another today, as I have agreed to do since XXXX. 
Now Navient is threatening Litigation with their legal network partner ( unnamed ).  XXXX XXXX - VP of XXXX XXXX XXXX appears to not recognize that I have agreed to continue making payments. This has become so typical of Navient 's total disregard for my responses, requests, and remittances. 
Furthermore, over the years there has been a complete unwillingness to provide year to date total of payments made. Their unwillingness to be transparent makes coming to any settlement, which they offered at a 90 % payback on approx. {$3600.00} is not possible for me at this time and is greatly beyond what most creditors would conisder a " mutually discomfortable '' arrangement. Attached below is a recent Navient notice XXXX XXXX, here 's a friendly reminder that your Monthly Payment is due soon. 

This is not a bill. 

Your Monthly Payment ( s ) for the private loan ( s ) listed below is due on XX/XX/XXXX: XXXX XXXX in the amount of {$390.00}. 

Please note that this email does not include all information depicted on your statement. We highly encourage you to review the entire document by logging in to your account, as it has additional pertinent information related to your loans. 

You can view and print your monthly billing statement ( s ) by accessing your inbox. 

Ways you can pay Online : The fastest way to make a payment is by visiting Navient.com. With our mobile site, it's easy to pay on your smartphone, too. 
By phone : Call us at XXXX. 

If you are enrolled in Auto Pay the amount shown on your statement will be debited from your designated bank account. 

We're here to help Visit us online or give us a call at XXXX, Monday - Thursday   XXXX XXXX to XXXX XXXX, and Friday XXXX XXXX to XXXX XXXX, ET. 

1The payment amount ( s ) listed above reflects the amount due as of the date of this email. Please log in to your account at Navient.com to view your minimum payment due. 

Please do not respond to this automated message. Emails sent to this address are not monitored. 

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XXXX XXXX

Company response to consumer: Closed with explanation