I have XXXX private loans totaling about $ XXXX with Navient. They used to be with XXXX XXXX, but are now serviced by a company that I believe is fraudulent and inappropriate. Having had loans with XXXX XXXX for nearly 20 years, I have NEVER had any problems and am up-to-date on my payments. This month, I just want to speak with someone to request an adjustment for two months ( I am a XXXX and cash flow is slow right now, so I would like to pay interest only for 2 months ). However, I call their customer service number and am put through to a person trying to sell me coupons. Once I was done with the telling the person I did n't want his deal, he hung up - I was never put through to discuss my loan. I called again and had to go through XXXX different recorded advertisements for " deals '' only to get through listening to everything and it said, " Please hang up now. '' I tried again and received a new phone number to call - XXXX - that was another road to nowhere. Basically, there is no customer service. This company is servicing $ 11K of my private loans with interest, they have access to all of my personal data including my bank accounts, and they appear to be running a scam. I had NO say in who took over my loans from XXXX XXXX - but while XXXX XXXX was n't fabulous, they appeared to be a business with an actually staff and customer service that did there job. Now, I have with absolutely no control over the circumstances been put at the mercy of Navient and have my private information with a company that I do n't feel has the integrity or infrastructure or knowledge to be managing ANYTHING related to my student loans or finances. This is completely and totally ridiculous. If you do not actually have service members to service your customers and you are essentially running " deals '' over the phones to channel your customers to dead ends when they need questions answered, you are likely running some fraudulent enterprise. I do not know what to do, as I do NOT want this company to have any involvement in my personal world and want a company/bank with integrity to service my loans instead. What are my options? 

Thank you, XXXX