<prompt> Human: Hi all,Hoping someone can provide guidance on how to proceed. I paid off a student loan in January of this year. Starting in July, I started getting robodials from an 800 number that I just ignored. I finally answered because it was getting ridiculous, and it was a recorded message from Navient saying to contact them about my student loans. I found this odd as the only loan I had with Navient had been paid off in January. To make a long story short, I had to call them several times to find out why I was being contacted, and it resulted in an audit being opened up on their end to find out where the issue was coming from. They are telling me now that a payment of 125 in October of 2016 was incorrectly applied to my account and it has now been reversed out and that I owe them 125 plus late fees and interest. I have a statement showing a 0 balance from January 10th 2017. What should I do? I honestly dont mind paying, but I dont want to if theres a way around it.Thanks in advance!  <response>: When you paid it off, did you pay the pay off amount or just the balance? They are slightly different because you owe interest until the payment arrivesgoes through. If you paid the pay off amount, dispute the debt info in the sidebar and keep your records showing you paid it off already. 