Consumer complaint received 2017-03-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I attended the XXXX which is located in XXXX, PA in XXXX of XXXX. I attended a class for XXXX months and finished in XXXX of XXXX. Which I believe this vocational/technical school no longer exists. Anyhow I had taken out a student loan with XXXX which is now navient. At first I was making payments towards my loan efficiently via mail and electronic on their website. But something did seem off now that this lawsuit against them has been filed. Thinking back while making my payments, every time I have received a bill, the amount seemed like I owed more, and the payments I was making did n't seem like they were taking effect with the balance of my amount due. At a point with making payments I declared a forebenece. In which I couldnt make payments because I was not working at the time and it was granted for 3 months. After 3 months I still was n't in the working field so they granted me with another 3 months of forebenece. After 6 months I have n't not received any type of letter or information regarding my loan. Then after a few years when XXXX converted into navient, I then received a letter regarding the conversion of the companies, but no information regarding my student loan and the amount I still owed. Maybe a few months to a year later I still did n't receive anything about my account, I then tried to log into my account online on their website. Since it has been awhile since I logged onto my account at this time I had to reset my password and everything. When I was trying to do so and providing the information that was needed, it kept telling me that there was no record of my information and I had no account. I believe this happened in XXXX I may be wrong. At this point I still havent received any information regarding my account until last year XXXX. I started receiving phone calls at random times of the day which I could n't answer due to being at work and everytime I did try and call back the office was closed. They basically were harassing me via phone but yet did not send anything via mail. Until they did send me a letter in the mail threatening me that they were going to be taking me to court or take a percentage out of my paycheck if I did n't make a payment. Still I had no information of how much I still owed. Then I did contact them via phone I set up a payment plan I started paying however I was not recieving a bill, receipts or anything. All I had was a phone number to make a payment. After a payment of {$260.00} I had made, I sensed that something was n't right so I did n't make another payment. Even with my first payment I have not received a receipt or any bill for my remaining balance. Now that I am working this company had found out what company I am working for and is taking a percentage out of my check that I work very hard for. Still till this day I have not received any type of letter regarding my account balance that 's due. Now just 2 weeks ago I filed my XXXX tax return. Today I just received a letter stating that this company will be interfering with my tax return payment. Which I am very highly upset, because I am very well depending on my tax return check for other personal reasons. For them to interfere with what I worked so hard for for a lousy company that is terrible for NOT sending any type of information about my account is disgraceful.

Company response to consumer: Closed with explanation