My student loans were through XXXX XXXX now Navient has taken them over. I am the borrower. My soon to be ex-husband is the co-signer. I 've never gotten any correspondence via mail, email and/or phone calls saying my loans were even due. Yet Navient began calling my ex telling him at XXXX to pay {$2800.00} right then or they would ruin his credit. He works for the XXXX. He was then called and said to pay {$450.00} and they would stop calling him. He called me I contacted them they were just as rude to me. Telling me I was divorcing him so he could n't be that good and I should n't trust what he was saying. I was then told I could pay them a Fee of {$150.00} to put my loans in forbearance. When I spoke with XXXX XXXX the supervisor and told her I 'd get a pre-paid card and call them back because the sites say they take amounts they should n't out of people 's accounts. I tried to work out payments with them and they said no. That if I did n't pay exactly what they wanted they 'd make sure I never get my divorce by telling my ex that I am refusing to pay. I called my ex and he said they acted the same way with him. I called again and they stated no one said theses things to us so I told them their calls are recorded XXXX XXXX got on the phone again and said they are for quality control and that if I record them she 'll have the police at my home and make sure my children see what a looser I am for not paying my bills. You ca n't communicate with them at they are nasty rude tell me to get a better job. Get married or marry someone with more money! They need accountability. All the compliants I 've read are the same. Why does the FDCPA even have rules if they are n't held accountable.