School : XXXX University, XXXX, TNIn 2013, Navient guaranteed that if I put {$1500.00} down and agreed to a Reduced Interest payment plan on a charged off private student loan, that they would in return XXXX ) Bring me to a " current '' state on my account, XXXX ) guarantee 0 % interest on future payments, XXXX ) Report to all XXXX credit bureaus that I am current and no longer delinquent. All of this would be fulfilled XXXX 3 months of timely payments were received by them. That was 2.5 years ago and XXXX payments ago. I have had no late payments and have had no missed payments. I have done everything I was told to do in exchange for false promises. Navient is still making derogatory reports to the credit bureaus and they have yet to fulfill the promise of any of the above. According to their reports and to all of my credit reports, I am XXXX payments late and have an amount of {$2600.00} past due. I have called over XXXX times in the last year and have gotten nowhere. Today, however, it was admitted to me for the XXXX time by a Navient rep that I was indeed " misinformed '' when the above terms were guaranteed in exchange for {$1500.00} down and my agreement to a reduced interest payment plan. She said that there was a period of time when customers were told this information " erroneously. '' And the only thing she could do is apologize. I feel totally taken advantage of and duped. I am completely fine with paying back loans that I owe, but being lied to in order to take advantage of someone is wrong beyond words. This needs to be brought to the public 's attention immediately. This company is unethical on so many levels. 
The XXXX people responsible for making these promises on behalf of Navient are XXXX XXXX and XXXX XXXX XXXX. I was called over and over again by XXXX individuals and was threatened with legal action if I did not agree to these terms. I was asked if I had any jewelry or anything valuable that I could sell, so that I could provide them with a down payment to avoid court. I succumbed to the pressure and borrowed money from friends and family in a difficult financial period in my life and made it my mission to pay Navient each month on time. I have stuck to my word. They, however, have not.