Navient Solutions, LLC.

2019-03-21

Vicksburg, MI

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I went to XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and I they I was over paying now I am i collection tring to pay on loan but it is hard to do they took my income taxes that I worked hard to have and I am so streed out because wr take out these loan and dont see none of the money and these teachers is no doing thete jobs to make sure we dont get drop t b eu email you late and contact you late days after you had a situation needed to be adressed
Company Response: Closed with explanation

Timely Response

2019-03-21

San Diego, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-03-21

Kings Ferry, NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-03-21

Houston, TX

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: On XX/XX/2019 I received an email from Navient stating that my account was past due by {$750.00}. I called XX/XX/2019 and the Customer Service Agent informed me that when I paid a payment in the amount of {$150.00} on XX/XX/2019 to have my private loans placed in a three month forbearance, the agent during that call did not read all of the proper terms of agreement to place my loans in forbearance. During my XX/XX/2019 phone call, the agent proceeded to read the correct terms of agreements for forbearance to me and stated they would use a XX/XX/2019 payment to cover my forbearance payment to placed until payments resume in XXXX. She asked if I was okay with these terms, I stated no because I had my bank statement to prove that I made a payment XX/XX/2019. She then stated there was not a payment for that date and they could not find it. I later called back to speak to another agent, that is when I was informed that my {$150.00} payment on XX/XX/2019 was applied for XX/XX/2019 without my permission. As this should of been applied to XXXX 's payment. I had previously paid a {$150.00} XX/XX/2019 to place my private loans in a three month forbearance that would of covered XXXX, there would have been no need to apply the XXXX payment to the XXXX payment.
Company Response: Closed with explanation

Timely Response

2019-03-21

Salton City, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I am told I am at the lowest repayment allowed
Company Response: Closed with explanation

Timely Response

2019-03-21

Hollywood, FL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-03-21

Chicago, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I was a co- signer with my daughter on some federal XXXX XXXX ( XXXX XXXX XXXX ) which first started ( first disbursement ) on XX/XX/XXXX in the amount of {$6200.00}. Another disbursement from XXXX XXXX XXXX was on XX/XX/XXXX for another {$6200.00}. Then another disbursement of another XXXX XXXX XXXX was made on XX/XX/XXXX for {$6200.00}. Then another disbursement of XXXX XXXX XXXX was made on XX/XX/XXXX for the amount of {$4300.00}. Then ther where two more disbursement, one on XX/XX/XXXX for the amount of {$4000.00} and one on XX/XX/XXXX for the amount of {$4000.00}. These are all the disbursements Im aware of. The total amount of the disbursements is {$31000.00}. In XX/XX/XXXX I had filed for bankruptcy. From XX/XX/XXXX tp XX/XX/XXXXI had made payments to the U.S. Department of Education in the amount of {$14000.00}. The claim amount at the time of bankruptcy was XXXX. Why was it this amount approximately {$10000.00} dollars more than what was in the disbursements. Could all the extra amount be interest? The U.S. Department of Education does not recognize that I had made over {$14000.00} dollars in payment to them during bankruptcy. I had also made a few payments to Sallie Mae before my Bankruptcy. One in the amount of {$70.00} and one for {$700.00}. Please explain why these payments have not been recognized in my payoff amount. I have since been divorced and no longer have access to payments or records of payments that where made before the bankruptcy. I have been discharged from bankruptcy since XX/XX/XXXX. The reason for me not making any more payments to the Federal Government is that I feel that my account has not shown any payments made. I do not want to make payment that never shows any record of such payments, or if they do show record, it only goes, I guess to what Navient was doing, paying interest. I feel that I have overhypaid the U.S. Department of Education more than enough in interest. I would gladly pay off loan in payments, but I do need all parties to play fair and show documentation of all payments. I no longer have confidence in being treated fairly and justly. I know of Navient shady dealings of payments back to XXXX XXXX XXXX. They are under indictment in four states for there wrong doing. I feel there is probably a lot more people with school loans out there that are also being abused with there payments. I just want answers. Navient has turned my situation back over the the U.S. Department of Education. When I try to contact the Department, I never get to speak with a representative from that Department. I feel that the public has no chance against the U.S. Department of Education if there are no way or means of communication. I have sent to separate times to the U.S. Department of Education dispute letters on such subject. Once onXX/XX/XXXX and another dispute letter on XX/XX/XXXX. There has been no correspondence from the Department of Education acknowledging these letters. Thanks for your time. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL. XXXX
Company Response: Closed with explanation

Timely Response

2019-03-21

Brooklyn, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: XXXX XXXX XXXX XXXX RE : Navient Solutions are inaccurate being reported As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and instead theres 2 pending loans which are being label as transfer to another office, and then the inaccuracy that shows on my credit reports as well. Meanwhile as to reviewing my credit report, its shows there are 2 open student accounts and as a result its lowering my credit score. However, I did try to trace the various loan holders and its always a dead end. Nonetheless, Navient Solution does claims they tried to retrieve my last two loans from XXXX XXXX and XXXX, and this process may take from 30-150 days ; and when the companies do fail to reply, then they will resubmit the process again. Moreover, I know theyre given me the run around and its effecting my credit reporting overall. Needless to say, I do find all concerns above as frustrating that needs a corrective action, so please call with the number listed. Thank you for investing your time in me. The ongoing of my federal student loan Process : The Dept of Education sold my loan to a Debt Management Company, then they wholesaled wholesaled to XXXX XXXX XXXX XXXX, then reselling the loan to Navient Solution and finally the TXXXX XXXX XXXX XXXX never received such loans that would ve closed all accounts.
Company Response: Closed with explanation

Timely Response

2019-03-21

Rehoboth Bch, DE

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-03-21

Norwalk, CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-03-21

Durham, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Recently, ( XX/XX/XXXX ), I had my payment to Navient refunded to me for the second time. The first time was XX/XX/XXXX.These were refunds for payments I made online. I sent an email to Navient for an explanation of the first time and received this response on XX/XX/XXXX : " Our records indicate your overpayment was made to your private loan, which overpaid the loan, and the private loan is serviced on a different platform than your Department of Education loans, with different payment addresses, so the payment does not get automatically transferred to your remaining loans, but goes out as a refund to you, which you could then apply to your Department of Education loans so they are not past due. '' I called them on XX/XX/XXXX to ask what was the deal when it happened again. Their response began with the private loan but ended with the mailing address for payments was changed recently. Two caveats, the agent I spoke with said that if the payment was within 30 days of the address change ( Which they said took effect XX/XX/XXXX ) then the payments should have been forwarded. BOTH payments were made before XX/XX/XXXX. The other caveat is both payments were made online, so there should have been no confusion about what loan it should have been going too. Additionally, I've looked all through my account and I don't see any private loans listed on the Naviant website. It shows two loans, both Dept. of Ed. And last, I have listed on my account that if I make any overpayments then it should go to principle and not be refunded to me.
Company Response: Closed with explanation

Timely Response

2019-03-21

Liverpool, TX

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: I was made aware that Navient reported all 16 accounts 90 days late in XX/XX/XXXX. Once I noticed the late reporting, I immediately contacted them. I never received a phone call or any statements in the mail. The representative placed me on a temporally forbearance until the income based plan was processed and approved. I contacted Navient CEO via email ( screenshot provided ) and asked for a " goodwill '' for the one late payment because 1. I wasn't properly notified 2. I was currently in school ( vocational rehabilitation ) through Veteran Affairs. The response was not what I was hoping for so I continued to do some research. That's when I independently learned that my current status as being enrolled in a Rehabilitation program ( within the time frame where Navient has me 90-days late ) I qualified for a in school deferment. In the response from a Navient representative ( attached ) I explained 3 times that I was in night classes and she never advocated for me and help link me to the right department to see if I qualified for any in school deferments. After submitting all of my proper documents proving that I was in school ( at the time of the negative reporting ) and still in school, ending XX/XX/XXXX Navient approved my deferment request, however, they are continuing to inaccurately report negative item on my reports.
Company Response: Closed with explanation

Timely Response

2019-03-21

NC

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: My son needed a co-signer to sign to help him get loans to go to school. That was in XXXX. I have been making payments on this loan since XXXX.. It started out with one co. and now it has changed hands three more times and Navient has it now and they just seem to be the biggest thieves I have ever seen. The original loan amount was XXXX.. and now it is down to {$11000.00}. ( this co. got my account in XXXX ) all except a few months, I have made more than the minimum payment.. I know it was down to {$8000.00} with one of the other loan. co. This company is charging it on the whole amount.. They said my pay off should be in XXXX. and charging me 10.5 % interest.. When I try to talk to them, they won't give me the answers because the loan is in my son 's name, but they want me to pay because I am the co- signer. ( his other loans are being garnished from my paycheck at 15 % per check ) .. It doesn't seem fair that when a parent tries to help their kids go to college with a parent- plus loan, then when the bills come due it is the parents problem and the kid isn't responsible or their credit ruined like the parents are. Navient is the worse company, I have ever dealt with. I am hoping you can help.
Company Response: Closed with explanation

Timely Response

2019-03-21

Columbus, MS

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-21

Fort Worth, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-03-20

Discovery Bay, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I have been on an Income Based Repayment plan. I sent in the renewal, and they MORE THAN DOUBLED MY PAYMENTS! I can't afford such a large increase in payments, even more strange it doesn't pass their own criteria for setting the payments. I think one problem with their IBR calculations might be that they only look at the income tax return and in my case ( probably many other 's as well ) I had the opportunity to work overtime last year and it would make it look like my income is higher than it really is. They should look at the paycheck instead, and base the payment only on the guaranteed income without the overtime, which comes and goes and is voluntary. So for example last year my guaranteed income was {$76000.00} but my tax return shows an income of around {$120000.00} so that is quite a difference. It doesn't look like there will be much overtime this year, so I really can't afford these new much higher payments.
Company Response: Closed with explanation

Timely Response

2019-03-20

Phila, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-03-20

Indianapolis, IN

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Navient has failed to validate these accounts on my credit report. As seen by several attempts, Navient has either overlooked or ignored my requests several times to validate these accounts. Yet, they continue to report these account to my credit reports. XX/XX/2019 & XX/XX/2019 i sent a request for validation to Navient & Sallie Mae asking for an instrument of indebtedness.Both Navient & Sallie Mae have failed to respond correctly to each of these letters. Sallie Mae never responded and Navient responded " stating that if i wanted to discuss this account to contact them '' ... ... ... but I'm making contact with you through the letters, this response was in response to correspondence I sent YOU ... Navient is reporting these accounts to my credit reports without validation to me, without an instrument of indebtedness showing that these accounts are indeed mine. Futhermore, when i have disputed with the credit bureuas XXXX, XXXX and XXXX ... they have all came back and said that the accounts have been verified but none of them can show any proof of what that means. IT HAS NOW BEEN BEEN 107 DAYS SINCE I SENT MY FIRST REQUEST FOR VALIDATION TO NAVIENT AND SALLIE MAE AND TO THIS DAY NEITHER HAS VALIDATED THIS ACCOUNT, NEITHER HAS SHOWN THIS INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM. Navient is falsely reporting open and closed accounts on my credit reports. The following accounts are being falsely reported. RE : Account # # XXXX ( All accounts fall under this umbrella ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-20

Cornishville, KY

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-03-20

Chicago, IL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Navient systematically misallocates my funds. I owe {$24000.00} and my balance never changes. I keep making payments of {$500.00} - {$560.00} a month ; but my balance remains the same. I asked Navient multiple times to send me detailed repayment history of my loan and the way funds have been applied to my balance each month. Navient systematically refuses to provide such information as the people answering calls always say something different. I believe that if I do not find a way to get Navient to send me the formal loan repayment history I will be in repayment all my life. How can I get help and some sort of relief from Navient?
Company Response: Closed with explanation

Timely Response

2019-03-20

Mabank, TX

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-03-20

Raleigh, NC

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-03-20

Finksburg, MD

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: On XX/XX/ 2019 I contacted Navient regarding private student loans and being placed in a 100 % discretionary repayment plan called an " interest rate reduction payment plan '' due to being recently unemployed. I had gone through this before with the company in which they lowered the interest rates from 12 % to 2 % for 12 months if i set-up auto pay. This time they would only offer to extend the terms of my payments ( currently paid for 7 years, have 15 years of payments remaining ( initially entered into a 15yr loan ). Then they came back after another 20 minutes on hold and offered me 7 % for 9 months and 3 more scheduled payments at 12 % in which they need bank account information/ debit card information. In the future they try to auto debit from bank accounts without permission. I refused and was denied any sort of repayment plan.
Company Response: Closed with explanation

Timely Response

2019-03-20

CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: XXXX and XXXX are reporting incorrectly that I am 120 days past due on loans with NAVIENT - partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Company Response: Closed with explanation

Timely Response

2019-03-20

Sm, KS

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Hello, we are receiving a wholly new request from Navient to pay a loan that was paid in full two years ago in XXXX ( as they admit and as they documented ). We will be providing you the following documentation and timeline for submitting this complaint to discharge this unacceptable practice in trying to recover money on a loan that XXXX XXXX ( maiden name XXXX ) paid in full in XX/XX/XXXX for her Subsidized ( XXXX DL ) and Unsubsidized ( XXXX DL ) loans that were consolidated in XXXX and serviced by Navient. Here is the applicable timeline and supporting document history, none of which has been disputed by Navient : [ 1 ] XXXX : Documentation from Navient confirming all loans, the consolidated subsidized ( XXXX DL ) and unsubsidized ( XXXX DL ), were Paid in Full on XXXX with no balances active. [ 2 ] XXXX : Navient documentation that we received refunds from overpayment on each based on the Payoff Amount that Navient provided us. From Navients Account History this is evidencing that not only were both loans paid in full on XXXX, but they were overpaid, such that Navient issued refunds on both consolidated subsidized ( XXXX DL ) and unsubsidized ( XXXX DL ) loans. [ 3 ] XXXX : Official Navient PAID IN FULL electronic letter confirming all loans, consolidated subsidized ( XXXX DL ) and unsubsidized ( XXXX DL ), were Paid in Full on XXXX. [ 4 ] XXXX : Navient Paid in Full electronic correspondence acknowledging again that all loans were paid in full, such that they asked that we share our success story for our hard work in paying over {$320000.00}! [ 5 ] XXXX : Navient Statement showing we owed nothing through the last two years through billing period XX/XX/XXXX - XX/XX/XXXX then all of a sudden showing that we owe for a random amount as of XX/XX/XXXX ( {$3100.00} ) for the unsubsidized ( XXXX DL ) Loan that for which we were issued the Payment in Full letter AND received a refund on because we overpaid in XXXX. Navient couldn't have been more unprofessional when we called and asked for any substantive information other than we MUST pay it despite them not knowing why it is popping up two years later. We ended it by confirming they will look into this and send us supporting information via mail. [ 6 ] XXXX : We had counsel confirm that all three credit agencies show the loans as " Paid, Closed/Never Late '' as of XX/XX/XXXX and can provide documentation upon request. [ 7 ] XXXX : We also confirmed on the NSLDS that all loans were XXXX balance as documented in the attached, all show {$0.00} balance for XXXX XXXX ( maiden name XXXX ) for these loans as of this date. Since we wanted to document this in case they negligently try and go back and change it. [ 8 ] XXXX : After three weeks of requesting some supporting documentation that we owe thousands on loans paid in full two years ago, Navient simply provides us just a one-page letter saying we take it up with a random third party servicer ( who is not in any way involved ) with otherwise no information other than to confirm they agree we paid these all in full, that we hadnt heard from them since XX/XX/XXXX because they were paid in full, listed and satisfied as Paid in Full since XX/XX/XXXX. We hadn't moved or changed email addresses, so there was no failure to communicate, these were listed as paid in full for two years. They had no explanation for the mistake other than we now owe this randomly two years later. [ 9 ] XXXX : Was finally able to get through to speak to Navient again since they sent us the substantive-less one-page letter and they confirmed there must be some FSA issue from the XXXX consolidation that they otherwise can not explain or provide any documentation around as they agree we paid everything in full in XXXX. Navient said there is nothing they can do and they can not provide us any other information on the basis for this amount and our " only recourse is to take it up with FSA as last course of action. '' [ 10 ] XXXX : Case XXXX initiated with U.S. Department of Education Federal Student Aid ( FSA ombudsman ) who we spoke with and the ombudsman recommended based on the facts as described that we escalate within their department by providing them the information via email for escalation at FSA and resolution and satisfaction clearing this matter. Supporting documentation provided to them that all loans paid in full. They confirmed receipt and sent requests to Navient. [ 11 ] XXXX : Ombudsman says they will close case based on Navient 's response, but Navient provided a response at the direction of the FSA ombudsman that confirms only the above ( that is was paid and full ) and that Navient and Dept of Education made several mistakes upon some later review of the account that an error occurred almost 7 years ago in XXXX! And despite that they just say we owe regardless on the loan that was confirmed as paid in full and was accruing interest at a rate long since consolidated and refinanced and paid in full. ( Password of attached document : " NavientXXXX! " ). Their letter contradicts not only the paid in full documents, refund being issued for overpayments two years ago, every credit agency, and the XXXX, but also the two previous communications with Navient saying they didn't know the issue and couldn't account for it. How can we be expected to legitimize their DEMAND to pay thousands when they themselves confirmed it was already paid in full according to their own payoff letter, and they have no accountability for their admitted mistakes? They demand that we just go by their unsettling suggestion that we take their word that it was " confirmed '' by them internally as accurate without any documentation other than that which proves it was paid in full and that they made a mistake. How do we know they won't issue ANOTHER paid in full letter on the same loan and how can we take it seriously? It's unacceptable and an unreasonable treatment of someone who worked hard to pay off over {$320000.00} in FULL to then punish them for admitted Navient/Third party mistakes from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. That can not stand. We request this egregious mistake be resolved and discharged for something that paid this off in full two years ago. - XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response