Date Received: 2018-04-20T00:00:00
Product: Federal student loan debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I was contacted by XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX , NY XXXX ] about a debt that they purchased from XXXX [ XXXX XXXX XXXX XXXX , NE XXXX ]. I asked them to verify the debt was still valid as I had already paid it with XXXX. They asked me to contact XXXX/NAVIENT [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ]. I have contacted all three companies and have the chats/email threads available in PDF format. They never replied. I requested : ” The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. ” The only documentation that arrived is a photocopy provided by NAVIENT of my original promissory note. XXXX sent a note stating that my wages would be garnished. They have not been able to verify that this is a valid debt. When speaking via phone to customer service at XXXX, they asked me provide proof that I had paid the debt with XXXX. I sent them images and screenshots via email per their request. I have not received a response. I was notified that this has impacted my credit rating. I have sent countless emails pleading to have this resolved. The complete lack of cooperation and common sense is frustrating. This is a waste of my time. I happy to pay what I owe, but they need to be able to substantiate
Company: Navient Solutions, LLC.
State/Zip: DC 200XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2880893
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