“Navient sent me a letter that stated they would garnish my paycheck if I didn’t contact them regarding my student loan payments. I called their office and I spoke with a male agent. We agreed on a payment scheme that would allow me to pay over the phone every month. He said they would send me a coupon book for the remainder of my payments. The following week, I called Navient to make my first payment. The agent I spoke with demanded that I send him 4 post dated checks at once. I told him that was not the agreement the first agent and I made. I assumed the agent had understood my case and I ended the call.
I made my first payment with a female agent by phone on December 10, 2014. She verified my bank and routing number. One week later, I received a letter from Navient saying that they had not received my scheduled payment. I called my bank to check if my check had been cashed but the bank told me it had not. On January 8, 2015, Navient called to inform that my check was unhonored by my bank. They demanded that my debt be paid in full, and added another $50 charge to what I owe.
I have done everything to work with Navient in order to pay off my debt, but they seem to refuse to help me. I am worried because they have my personal and financial information.”
