Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX and I had a conversation about my significantly reduced income and Navient in XX/XX/XXXX/XX/XX/XXXX - XXXX provided me with a deferment application and information and directed me to send it to Navient. <P/>Navient did not take any action to my knowledge - they did not contact me at all. In fact I believe loans that I had in restructuring/repayment with another leander were sold to Navient once I was in " good standing '' again with the loans. Navient did not contact me until my payments were late in their opinion - even though 6mos to a year had passed since the previous loan carrier stopped taking automatic deductions from my account. When I contacted the previous lender, they said I just had to wait for the new loan-holder to contact me. I digress. <P/>When I contacted navient about late fees they began to assess I inquired about my economic hardship deferment and they said it was denied because I made too much money, which was not true. When I pushed them on this they would not provide any math or numbers to substantiate this. They said for family of XXXX cuttoff was XXXX per month, I made less than that and I proved it and they would not explain, show their work, make their guidelines policies or reasoning for denying available to me. <P/>Instead they acted like they were being the good guy - they put my loan into forbearance, and send me a new economic hardship deferment. I was especially careful on that one and it should have granted me a forbearance. Again, no communication, no response from Navient. Even when I called to inquire even 2 mos had passed since I had submitted it, all they would say is that it was received and being processed. <P/>They continued to send me a bill with a monthly payment I had never agreed too and could not afford, plus a late penalty every month. I inquired multiple times in XX/XX/XXXX - In XX/XX/XXXX they asked for additional pay stubs, which I provided. Even though I provided 2 pay stubs for XX/XX/XXXX and 2 for XX/XX/XXXX showing I made {$1200.00} a month they are insisting that those are weekly pay stubs.  Additionally, they claim I uploaded the files to their site ( which sounds correct ) and that they can not access those uploaded files and they will not provide me with those files. They have told multiple times if I uploaded the files I should have the files on my computer, which I have and they do no match the data they say I provided. So they suggest I send re-upload them, but I would have not apply with a new economic deferment application, same cycle repeats again and again. <P/>This is the same way they denied the first application. I provided application showing I am within guidelines, I provide documentation. They deny, will not provide any proof or documentation. <P/>Then they offer to put my loan into forbearance and send me out a deferment application? This just happened to me today in XX/XX/XXXX, the 3rd time in a year they have played the same loop on me. This make no sense, this is clearly illegal they are ruining my credit and making near XXXX angry and frustrated. <P/>This student loan situation is financially, mentally, spiritually crippling my generation. The fact we ca n't go bankrupt or return our useless college degrees is just soul crushing. The companies collecting the money are absolutely corrupt and Navient is the worst I have ever encountered and I am sure they pay every congress person male or female right or left in XXXX DC. <P/>
Please destroy Navient in court and help the USA out. We need to work towards one government controlled lender for student loans to mitigate out the huge mess we are currently in and moving forward - all college needs to be free, or the debt needs to be handling differently, this system does not work. Those who pulled themselves up by their boot straps and borrowed their way through college and being punished by an illegal lending system.

Company response to consumer: Closed with explanation