Navient Solutions, Inc. Student Loan Complaint

Navient Solutions, Inc. Student loan department,

Non-federal student loan Dealing with my lender or servicer Keep getting calls about my loan Alabama

Despite signing up for auto debit, which includes automatic forbearance while it is processed, Navient continues to call cosigner to collect payment. In - 2016, each time I called customer service, I was transferred from department to department as my account is a " special collections '' account which has to be handled by a " special collections '' department. Twice when I called I was never able to be transferred to the correct department or associate. They refuse to conduct business via email, despite offering email on the website as a contact option. The " special collections '' department can only be accessed through a transfer by another representative. Additionally, in - 2016, I requested multiple times when prompted by the phone reps to have my account removed from all phone contact. Yet they are still calling cosigner misrepresenting that I have made no payment arrangements. There had been issues with the misapplication of payments to the interest and principal of the loan, and I owed a much lower amount for - and nothing for -. I have previously requested forbearance due to unemployment and financial difficulty and they make you pay $150.00 for 3 months of forbearance. I am waiting to see if they will charge the $150.00 forbearance fee this time. I also wonder if every customer has to pay $150.00 for forbearance. They have provided no information how they determine who has to pay the fee, and if they ever waive it for any customers.