Date Received: 2018-11-23
Product: Private student loan
Issue: Dealing with your lender or servicer
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: So in XXXX while I was going through XXXX I called to concern about my loans since I’m already in court with XXXX XXXX XXXX due to the circumstance by which my loans were handed out to me and the amount.
I called Navient asking them for the document of my last phone which the representative told me didn’t exist but, that I have now.
I also inquired with her about my loans and what I could pay.. She stated I would have to pay XXXX or XXXX and that it was the only program I qualified for. Now they approached me after 4 month with a program that I can afford but they hit my credit score each time and never offered it to me prior as if its a tactic to force the customer to pay a fee they don’t have. The program I am in is fine now but. I want the full policy on the program and when the program was created and when should it be offered to me.
They waited to basically financially destroy me … not realizing that a credit score is required for a decent job and if i don’t have a decent job ; then guess what? It puts me at risk of not being able to pay.
The program I am in now is fine but, they stated that no late fees or interest accrued since i was offered but XX/XX/XXXX I was sent a delinquency notice. When I wrote in during XXXX using this website was the only time they started considering me for the program that fits my financial need and sent me the document for XXXX before that NO one would help so I want to thank the XXXX but, I also want Navient to provide me with the documents of the program and when it was created not just a half of a page explaining the program. Im aware i have a debt but, XXXX XXXX is fully aware of what they did to me my senior year of school causing me not to graduate and having to start from scratch. I built my credit up for Navient to give me no options and choose to destroy it within 4 month only after my credit was destroyed and I wrote in did they choose to actually help me. WHY IS THAT?
Im happy with my new program but, the treatment, the inaccurate information, and the manipulation is wrong.
O an then hit my credit score twice for each student loan back to back in XXXX.
Meaning 6 TIMES in one month. I have 3 loans.
Company: Navient Solutions, LLC.
State/Zip: NY 114XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3081772
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