I have a private loan through Navient. I signed up for a payment reduction plan that would allow me to make my payments and keep me out of delinquency. Navient explained once I was approved they would start removing {$360.00} from my bank account on a monthly basis. I was not approved for this plan and they proceeded to take the money out of my account without notifying me *they never notified me that I was not approved and that they would be taking the money out ). I do not have access to my Navient online account as it has been frozen and I do not know where the money is going or what it is paying off. I still do n't know what plan I am on because they wo n't give me access to my account. Every time I call, the collection manager, " XXXX '' threatens to sue me.