Navient-private loan ... My life was on the incline when i had all loans under XXXX XXXX. Now that Navient took over they are trying to make me suffer. Reason i state this is ( XXXX ) checks # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, and XXXX. All check been cash from XXXX DE with any problems on my end. It would help ample if XXXX person would stop and see on XXXX XXXX, 2015 Account # XXXX needs a repayment plan option available ; ' which states i talking to someone else other then XXXX XXXX again. Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX. This is the head line punch Navient send me a refund check with a check number XXXX. Attach a letter saying " we 'd like to thank you for your business with Nalvient, formerly XXXX XXXX. During a recent review it was identified that our practice of charging a minimum late fee, as well as our student loan billing statement disclosures relating to when late fees would be charged.. It seem to me and i NOT the one to judge but ... NAVIENT is all over the place. Then, second ( 2 ) XXXX XXXX, 2015 another letters " Your Delinquency May be Reported to the Consumer Reporting Agencies '' wait no one talks in there office. I guess no one send each other emails anymore or they are took busy on the net buying clothes and shoes. " Your payment for XXXX of the Navient education loans referenced at the end of this letter continues to be delinquent, and we urge XXXX to make XXXX missed payments today. ( AGAIN ) Please make a payment for the amount that is past due for your loan, to bring XXXX account current. '' Let 's back up XXXX bit how many piece of paper are the wasting to send me all these letters. NAVIENT let 's get this big company in order. Continue, ( third ) Unless XXXX pay, your delinquency may be reported to the consumer reporting agencies, which may or already did impact XXXX credit history and potentially make it difficult for everyone. '' This is what I don t understand about NAVIENT ... no way in any these letters say anything about a DOWN PAYMENT # XXXX. Fourth, ( 4 ) " we understand that unexpected circumstances can cause financial difficulty. if XXXX having trouble making XXXX monthly payment, please call us at ... We 're here to help if XXXX '' HELP what if XXXX telling me to do something and i been doing it way XXXX XXXX set me up to do. NAVIENT saying i am doing everything wrong, NAVIENT help me some I can help you by talking GOOD about your company. THEEND