With the previous assistance of the CFPB, Navient agreed to allow me to enter into a repayment plan at a lower interest rate with lower monthly payments due to economic hardship. My economic hardships resulted from being unemployed and no offers on the table at that time. The repayment plan was that I was to pay {$340.00} per for the next year at 1 %. If at any time I did not make a payment on time Navient had the option to remove me from the payment plan. The payments were to be automatically deducted on the XXXX of each month. The first payment was due XXXX, 2015 and the funds were taken out XXXX XXXX, 2015. The second payment was due XXXX XXXX and the funds were taken out on XXXX XXXX, 2015. The XXXX pay, likewise, were due on the XXXX but this time they were not automatically deducted from my account on XXXX XXXX, 2015. When I contacted Navient I was told that I had defaulted on my account and that I no longer had a payment agreement with them. 
At first I thought it might have been a error on my credit union 's account because the funds were in my checking account and available for withdrawal. I explained to the representative that it had to be a banking error because the funds were there. He stated to me that that did not matter and that my repayment plan was now void since Navient had not been paid on time regardless of whose fault it was ; since it was a new month and I had not notified them by the last day in XXXX. He also stated that I maybe be able to get into a new repayment plan but it would be more than my original plan. I notified my financial institution of what had happened because of the error with my account. It was then that it was brought to my attention that Navient had not attempted to withdraw any funds from my account on XXXX XXXX, 2015 per our agreement. After checking my account statement I checked my Navient account. Under the correspondence there are two documents stating that I am delinquent on my loans. The are dated before the XXXX loan installment was due. I did receive a message stating that if I do n't enter into a different payment plan or pay the past due amount this month my account would be placed into bankruptcy.