Navient Student Loan Complaint

Navient Student loan department,

Non-federal student loan Can't repay my loan Can't decrease my monthly payments New York

I 'm writing to you with the hope of exposing what my family and I have endured with -/Navient over the last 8 years. Moreover, I 'd like to ask for your help. I feel that I 'm being cornered and I do n't know how to further defend myself. I need your assistance in bringing an end to the bullying, harassment, incompetence, and the never-ending debt that binds me to - -/Navient. Several recent events have made me reach out to you. It seems that - -/Navient is becoming increasingly fearless, and they 've gone as far as issuing threats and attempting to extort my mother. The harassment, too, is becoming unbearable. They call my mother and uncle ( my co-signers ) - times a day, and they call everyday. I receive at least - calls a day, beginning as early as - - even on weekends.


not afford the payment increase. After asking her several questions, their " automated system '' decided that she could, in fact, afford these payments. My mother, once again, told them she could n't, to which the operator told her, " If you do n't make your payments, we can report you and it 'll hurt your credit. '' That is extortion. That is a threat. They do n't have the right to threaten us with financial demerits. A good person should n't be hurt for wanting to send their kid to college. - -/Navient 's behavior is -, -, and -. Over the years, - -/Navient has only shown itself to be incongruent, untrustworthy, and unreliable. I have invested countless hours into phone conversations, trying to negotiate a fair monthly payment. In the Spring of -, - -/Navient and I reached an agreement, and for nearly six months, it worked out well. Without warning, and without my consent, - -/Navient increased my monthly payments by 343 % ( sound familiar? ), causing my bank account to be overdrawn and forcing me to spend money I had set aside for taxes. I called - -/Navient and explained that I could not afford the payments they had set for me. After asking me several private questions, their " automated system '' decided that I could, in fact, afford the amount they were automatically withdrawing from my bank account every month. The fact is that I 'm still paying my - back taxes, and as a freelancer, I have to set aside 26 % of my paychecks, which - -/Navient does not take into account. After running the numbers, I have a monthly surplus of $2.00, and I do n't have health insurance. Their " automated system '' informs them that I can pay $470.00 a month. How is that possible? Why is my fate being decided by a computer anyhow? Should n't there be a sentient, cooperative human being helping me navigate through the worst financial crisis of the last sixty years? Both my mother and I have called - -/Navient to negotiate payments, only offering what we could afford. - -/Navient, however, denied our offers, stating that they were insufficient. It 's all we can afford, so how can it be insufficient? I am willing and prepared to expose what - -/Navient has done to my family and me. I hope that you understand my full resolve on this matter. I can no longer bare the indignities and financial agony that - -/Navient imposes on me. I have composed an --page letter detailing several instances in which - -/Navient was unfair, bullying, and undeniably incompetent. This letter also breaks down my monthly finances, proving that I can not afford the payments they demand. At your request, I can provide you with these full accounts. Thank you for your time.