I 'm writing this letter to file a complaint of moral hazard, predatory lending and abusive action against XXXX XXXX ( Navient ) private student loan division. 
I received my undergrad degree from XXXX Michigan University ( XXXX MI XXXX ) in XX/XX/XXXX. At that time my private loans were in forbearance for almost two years due to economic hardship ( since I was only working part time at minimum wage jobs ) which produce a payment I was unable manage due to accumulation of substantial amount of interest. 
So when I began to work full time, I reached out to at the time XXXX XXXX to express my concerns on how I wanted to pay my loans I just needed a manageable payment. XXXX XXXX refused to work with me on lowering my payments for my private loans. XXXX XXXX makes it very clear they are content on me keeping my loans in default so they can profit of the interest and late fees ( after already making me a victim of predatory lending ). 
After months of back and forth XXXX XXXX finally offered me a rate reduction program by that time my loans were 3 months past due, this was in XX/XX/XXXX. The condition of the rate reduction program were to make XXXX payments at the reduce rate and end of the third payment my loans will become current. I made the payment on time in XX/XX/XXXX for the payment in XXXX I was in the process of changing bank accounts because I was being relocated for new employment. And at the date XXXX XXXX was supposed to take the payment from my bank for the payment in XX/XX/XXXX the funds were never released to XXXX XXXX, at that time I called a representative at XXXX XXXX to find out why. The rep was not sure why the payment was not received he actually said it was possible error on the part of XXXX XXXX and to call back a few days later if the payment was not yet received. So I called a few days later as instructed since the payment was still not made and funds were still in my bank account. So I spoke to another XXXX XXXX XXXX and again they were unsure why the payment was not process by this time it was XX/XX/XXXX so I asked the rep will this affect my rate reduction program since the XXXX payment was not received on time with no knowing fault of my own the rep said " NO '' it would not affect my rate reduction program and my loans will still be made current by the end of XXXX. 
The rep told me to make the payment today which I did with a different bank account and make the XXXX payment on time which I did again with a new bank account. By XX/XX/XXXX my loans were not brought current as promised. So I called to see why not XXXX XXXX told me I did not make the XXXX consecutive payments, I told the rep what happen in XX/XX/XXXX and XXXX and that I talked XXXX representative XXXX assuring me that I 'm still in the program, the rep did not care, so I asked to speak to a supervisor, and then after speaking to the supervisor that I found out my bank did stop payment which I did not authorize for XXXX 2013 payment, so I asked the supervisor how come when I talked to the first XXXX reps in XXXX and beginning of XXXX how come they did not inform me my bank was blocking the payment I could of resolved it that day. The supervisor again did not know and did not care that I was lied to by XXXX separate reps that work for XXXX XXXX. The supervisor said I just have to make another XXXX consecutive payments starting this month. Very upset that I have been lied to for months I just said ok. So after making the XXXX payments by end of XXXX I was now expecting to be So after making the XXXX payments by end of XXXX I was now expecting to be current but again my loans were not brought current so I called another representative to find out why and again I could not get answer I do n't know '' or " I 'm not sure '' " just to make another XXXX payments ''. So after a year of being lied to my loans were finally made current.