Complaint Review: Navient

I am a co-signer on 3 of my partner's private student loans with Navient. We have had issues with them ever since they have gone into repayment status. When he was working on his internship for his master's degree, we filled out the paperwork to have the payments deferred, SURPRISE, he didn't qualify and he was told that the internship deferment wasn't eligible for those loans, after he was told that they were. Then in January (2016), they were supposed to go into default, it was 3 months later before they actually did, 8 months after the loans had gone into default, which last time I checked was 240 days when the standard is 120. During those 3 months, we offered Navient a payment that we could afford but were told that they "couldn't do that amount" because the lowest they could go on the interest rate was 1%. Once the loans were actually "transferred" to a 3rd party collection agency, the interest rate surprisingly went to 0.001% and was told by the collection agency that making the payments (auto payment) would be reported on our credit report but that was an outright lie, because according to Courtney at Navient, the payments will just reduce the balance and couldn't explain why TransUnion shows it being closed and Experian shows it being open but both show as charged-off. Normally when a company charges off an amount, it shows a ZERO amount on your credit report and in their systems and the balance is transferred to the collection agency, which will not allow you to view your account nor make additional payments once an auto payment is set up. I'm glad that I have transferred all of my federal loans from Navient to another company that is much easier to work with and won't tell you something different every single time you call them.