I 've had several issues with Navient. I took out my loan with XXXX XXXX in 2011 as a XXXX study loan. The problems started with XXXX XXXX and continue with Navient who took over my loan at some point and I was never informed until way after the fact. 

Since I opened the account I 've got little to no information about my loan. I 'm getting infrequent information and mixed messages about the actual amount I owe. I keep getting letters telling me to sign into an account I never set up to see something from them. I do n't have an online account so I have no way of accessing the information. I get almost no mail from them in fact for over 2 years I received absolutely no mail from them. This month I got my first letter from them that actually has an account number on it since they switched my account to Navient. Prior to which I could n't pay my account via my banks bill pay. In the past 2 years I 've literally only gotten XXXX bills sent to me with payment amounts. 

I 've asked to receive my corespondence by mail. Still I get e-mails telling me to check an account that I did n't make and ca n't open and no useful corespondence. 

I also have informed them several times of my new married name and they have made no attempts to correct it on their records. the few letters I do receive are incorrectly addressed. 

Furthermore from time to time I will receive persistent harassing phone calls from them. From early in the morning ( some as early as XXXX I believe ) to late at night they will often call me 6 or more times in a day everyday for months straight. I wo n't be able to identify who is calling so I never pick up but the voicemails are all recorded messages Identifying themselves as Navient employees. There are XXXX-XXXX different versions but it is always the exact same messages name plus company and phone number. The messages were exactly the same when it was XXXX XXXX as well including the names of the employees but with the company being XXXX XXXX not Navient. 

Finally the few times I have gotten answers as to how much I owe and what my payment should be the information has been contradictory. I 've gotten told different amounts that I owe for the same month and have no clue what my current repayment plan looks like or how much I should be paying. I ca n't make informed decisions without accurate information. The few payment receipts I 've gotten do n't show my total loan so I have no clue if things are being applied correctly to my account.