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Sarah Johnson
New York, New York, United States·3/7/2026

Student loan servicer lost my payments — Navient says I owe $15,000 I already paid

Been making student loan payments to Navient for 3 years. After their system migration, they claim I owe $15,000 that I've already paid. I have bank statements proving all payments. They won't accept my proof. Credit score dropped to 580.
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Step 1
File complaint with Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov — they've already sued Navient.
Step 2
Contact Federal Student Aid Ombudsman at studentaid.gov/feedback-ombudsman.
Dispute with all 3 credit bureaus (Experian, Equifax, TransU
Contact New York Attorney General — they've been investigati

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Comments (6)

Arjun Menon3/7/2026

I had a worse experience with the same company. They don't care about consumers.

Sophie Martin3/7/2026

The government needs to step in and regulate this industry.

Yuki Tanaka3/8/2026

This company did the same to my elderly parents. Absolutely shameful.

Anonymous3/9/2026

The AI solution here is actually helpful. Going to try step 2 today.

Priya Nair3/12/2026

I had a worse experience with the same company. They don't care about consumers.

Anonymous3/10/2026

Adding my voice to this. We deserve better treatment.

Chidi Okafor3/11/2026

Has anyone successfully resolved something like this? Need hope.