Navient has for the second time placed fees onto loans in the " Rate Reduction Plan '' for me, which were not originally disclosed in the verbal contract I made in XXXX 2014. The most recent Navient employee ( his number is : XXXX " XXXX '' ) was dubious at best, and made a coerced demand for money when all previous payments have been on time. 

The verbal contract, made using their " rate reduction program '' set my loans at XXXX a month until the end of XXXX. Navient has stated somehow I owe them extra fees on loans that are being automatically paid! 

In addition, Navient has resorted to calling my home multiple times in an abusive manner, which is causing emotional and mental stress to myself and my cosigner. When the phone is picked up, they hang up the phone, not engaging in conversation. It was only when my cosigner was able to catch XXXX of these individuals calling repeatedly from Navient at XXXX, that we got information about fees that should not be attached to this loan. 

Navient has added mystery fees and lied about these loans in the past, so I do not trust them to correct this issue. 

I graduated from XXXX XXXX, in XXXX Virginia.