Hello, I have XXXX private loans through Naviant equal to a little over {$100000.00}. There have been multiple times where they have mishandled my account, providing false advertisement, charging incorrect fees, and harassing me at my work place. This past incident has sent me over the edge. Back in XXXX I was in the hospital for 3 days. I had been trying to keep up with payments, and finally was able to get a case manager. I supposedly entered into a lower interest rate payment plan, which would automatically take out the amount due from my bank account each month. I was granted access into the program because of my hospital stay and the resulting bills. Fast forward to a few weeks ago. I check my balance online and it says that I owe {$3000.00} and that I 'm 2 months behind in payment. This does n't make sense because I am enrolled in the lower payment option for at least 3 months. My bank account can prove that they have been taking money from my account every month. I have tried numerous times to contact them via phone and email and mailing address. So far I have heard nothing from them and my account has not been fixed. They have been negatively reporting on my credit score, and I do n't know who else to contact. I am making payments and I am going to graduate school at the same time. I will make one last attempt to contact them and get this problem resolved tomorrow. If I do not get a solution from them, then I will be contacting my lawyer.