Consumer complaint received 2019-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX- 
•	Student loans were sold from one loan servicer to multiple- this is where my confusion started
•	All together I had 14 public student loans.  
o	10 student loans were sold to one servicer- Navient 
o	4 of the other loans were lost- Navient was not the servicer 
XX/XX/XXXX-XX/XX/XXXX
•	I was paying on the Navient loans 
•	I was not paying on them consistently because of financial stability 
•	My mother was helping pay on the other 4 loans- also not paying consistent because of financial stability 
XX/XX/XXXX-XX/XX/XXXX(XX/XX/XXXX) 
•	Financial stability sustained and paying consistently on Navient student loans
•	My mom communicated with the company that was servicing the other 4 loans to reach out to me in order to get payment plan set up with those loans 
•	I never received any phone calls from this company—I have proof that the company did not have the correct contact phone number on file 
•	During this time I also had a baby  so that my mind was not tracking to follow up with the company with the other 4 loans outstanding 
XX/XX/XXXX(XX/XX/XXXX) – Present
•	In XX/XX/XXXXI received notification from employer that my wagers were to be garnished starting immediately 
•	There was no notification via phone or email that this was going to occur
•	However, I did receive a letter from Pioneer Credit Recovery Agencyo	The issue with this that I had no clue the letter from this company was important because I had never worked with that Agency in the past and I thought it was junk mail 
o	The letter is very generic- no warning on the outside of the letter
•	I did receive letters from the Department of Education communicating the balance of my loans
o	However I thought those letters were statements of my current loans with Navient- Navient being the servicer paying back the Department of Education for my loans 
•	Once I got notification from my employer that my wages were to be garnished starting immediately I contacted Pioneer  (because it was on the notification email) 
•	Pioneer  did not have the accurate phone number on record (therefore they never called me) 
•	Pioneer  did not provide me any time to dispute the garnishment or to come up with other payment options 
•	Currently they are garnishing my wages by 14% per pay period which results in XXXX  dollars a month
•	Pioneer tells me that I have payment plan options… but only on top of the garnishments 
•	Pioneer tells me that there is no way I can get my Student Loans out of default status because they are non applicable for rehab 
•	Because my Student loans are in default I cannot consolidate, because my Loans are in default they care applicable for Rehab
•	Therefore I cannot stop wage garnishment 

Overall, I do not believe that Pioneer provided me with adequate notification of wage garnishment.  They should have called or emailed me and spoken to me in real time.  Also I believe that they should have sent a pre- warning to my employer for the wage garnishment, so that they could have warned me as well.  Pioneer is not providing options to help me get the wage garnishments to stop other than paying on top of the garnishments. Currently I do not have the financial capabilities to do this, honestly, the garnishments are causing significant financial stress on me and my child.

Company response to consumer: Closed with explanation