Navient Solutions – CFPB Complaint ID 3096849

Date Received: 2018-12-10T00:00:00.000

Product: Private student loan

Issue: Dealing with your lender or servicer

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On Saturday, XX/XX/XXXX I got a notification from my bank that my account went into overdraft. I was charged fees on top of the overdraft. I checked my account to see what caused the overdraft. To my dismay, it was a auto debit check from my private loan from Navient charging me about {$440.00}. My normal payment on the XX/XX/XXXX is around {$270.00}. I was confused and angry but could not speak with the company because they were closed on the weekends. Monday morning around XXXX XXXX I called the company regarding the matter. I told them that I was not notified of a payment increase or a change in my rate reduction program. The person on the phone name was XXXX and she was very rude. She argued and told me I signed up for this and they are allowed to debit whatever amount. I was trying to explain to her that I was not notified, but she said well it was taken out of your account since last month. When she told me that I checked my account and saw that she was right. About {$440.00} was taken out automatically by check and then for some reason I paired them {$270.00} on top of it. Because she was SO rude I asked to speak with someone else. This person, XXXX, wasnt AS rude but she was not empathetic either. I asked her if I was notified that there would be a change in my payments. She said yes and told me to hold on and it took her almost 2 minutes to look. She stated she couldnt see when I was notified by it should be in my statement. I asked her how am I supposed to know when my rate reduction program ends without notification from the company? I also was confused because I did receive an email from Navient stating my program was ending XX/XX/ and my payments would be increased in XX/XX/. I submitted an updated financial statement and e-signed it. I never received a call back from Navient about that. I did not receive any notification notifying me of an increase starting in XX/XX/XXXX. She claims one of my loans ended in XX/XX/XXXX but couldnt explain to me when would one end and not the other when I signed up for the rate reduction program and the same time ( I think in XX/XX/XXXX ). I also asked her to take me off of auto debit because of this matter. She never notified me that I would be charged {$23.00} to end auto debit. This company is not professional at all and I wish I never signed up when starting college.

See also  Navient Solutions - CFPB Complaint ID 3103005

Company: Navient Solutions, LLC.

State/Zip: MD 212XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3096849

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