I graduated from XXXX XXXX XXXX XXXX in XXXX, MA. My issue with Navient continues. Today I discovered that Navient XXXX charged me on my monthly payment leaving me -900.00 in my bank account and costing me {$50.00} in overdraft and cancelation fees. When I called to inquire about this I spoke with a very rude representative who offered nothing but blame and accused me of erroneously paying XXXX. 

What in fact happened was the automatic payment plan I am in was charging my account on the scheduled date every month. When XXXX XXXX 2015 came, no payment was taken out. When I noticed no payment had been applied to my account I went online to make a payment manually on XXXX XXXX. I did this and thought everything was taken care of. I checked back in a few days to discover that still, no payment had been applied to my account. I called Navient to get to the solve the issue and I was told that the account information I used when I paid manually was from an old account, which explains why my manual payment did n't go through. I was assured I could pay over the phone with the correct account information and it would be instantaneously applied to my account. I gave her my debit card information and the woman I was speaking with charged my account right away. However what the woman at Navient failed to mention to me was that they were still going to charge me using the automatic, reoccurring payment system. Today I woke up to find my bank account severely overdrawn. 

I called Navient and they refused to do anything for me other than recommend that I call my bank and put a stop payment. This cost me 30.00 on top of the 25.00 over draft fee. Navient seems to continuously keep unorganized records and has a severely scattered work flow and lack of communication with their customers. None of the departments talk to each other and they make it very difficult for me and my cosigners to set up an affordable payment system. This company needs regulations as I constantly question their operation. I ca n't have trust issues with a company whom I give over half my income to. Had I known that my reoccurring payment would go through automatically when the account information was updated, I would not have taken her up on the offer of charging me instantaneously on the phone. I feel as though I was tricked into giving them more money than I had to. I have attached a few screen shots of what my transaction history looks like in my account. Only XXXX payment was applied on XXXX XXXX, not XXXX like they are claiming.