Navient Solutions, LLC.

2019-03-17

Park Ridge, IL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2019-03-17

Oxford, GA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: I have been in dept with this company for over ten years. I have deferred my options and explained my income. I am not in the position to pay them what they are asking. The whole world knows that the US advices you to go to college, take out this great dept if your parents arent rich, and some how pay them back. When companies offering a job are only offering a XXXX starting income. They have taken my taxes, harass me daily with calls, and stresses me out beyond day to day. I am a single mother trying to provide. For my mother who is not workin, and my grandmother as well. I just dont have the money.
Company Response: Closed with explanation

Timely Response

2019-03-16

Spring Valley, CA

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

2019-03-16

Clermont, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: I keep paying my loan to Navient. In fact more than what is owed. Today XX/XX/19 I was woken up at XXXX XXXX then they called every hour till I finally answered at XXXX XXXX. When I did they started saying I didn't pay but I had records from my bank I did pay on the XXXX. They looked back and seemed I paid. I asked why they are calling if I am up to date and they couldn't give me a reason. I don't appreciate them calling me that early, plus I work nights and this degree got me nowhere. On top of it I never got noticed that Salley Mae sold my loans to them. This is agrevaiting.
Company Response: Closed with explanation

Timely Response

2019-03-16

Spencer, MA

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

2019-03-16

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: THIS HAS BEEN DISCHARGE ON MY BANKRUPTCY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-15

Oxford, GA

Incorrect information on your report

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

Account status incorrect
Complaint: XX/XX/XXXX, I got laid off from my full time job at XXXX XXXX XXXX with my XXXX child. My spouse was not a legal resident of the United States, therefore he had to stay in his Country while all the legal paperworks were being processed on his behalf. My mother was mighty ill at the time trying to fight the life stealer XXXX and I was her sole caregiver and refuge of strength while fighting this XXXX. I was able to complete my course towards my Bachelors in XX/XX/XXXX. I gave birth to my daughter in XX/XX/XXXX. Now, I have to be caring for my newborn and my mother while doing job interview etc to get back on feet, it was not an easy task but I tried my best. With all financial factors I was facing I reached out to Navient before my grace period end and they did not give me extra time or nothing to alleviate all that was happening to me. When it came to the time for me to repay the loan, my monthly payment was more than {$500.00}, I could not pay that. My mom passed away XX/XX/XXXX and I inform Navient and begged for some leniency and they made it clear that there was nothing that they could do. I was willing to give them copies of my Mom hospital bills and death certificate because I was that desperate and they just didnt care. I didnt have the money to pay so I end up being late on my payment. This is not something that I proud of, this is something that I had zero control of. So now I have one negative mark on 22 loans with Navient, which messed up my credit, because my report states that I have been late on a loan 22 times. If people at Navient had a heart, they could at least ask me to show proof of my situation, which I could. I sent a Good will letter to the CEO XXXX XXXX, informing him of my situation begging him to remove the negative items so I can get back on my feet as a single trying mother. He had a representative call saying, they cant help me. This organization, has zero remorse for people. We are people! Not a target or goal. My loans are now consolidated on always on time never missed a payment, but those negative marks still remains. Earlier this year, we had a Government shut down and I was affected as a XXXX XXXX, I reached out to the CEO XXXX XXXX again, begging to remove the negative mark so that I could be approved for a loan, so as to help my family through that period and these cold hearted people called to say that they could not help me. Nothing has changed with Navient. XXXX XXXX email : XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-15

PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Since XX/XX/XXXX, I have been trying to figure out the best option to repay my loan. Since that time, there has been a variety of answers, with only a few being consistent. The previous info being in a separate complaint. On XXXX. XXXX, I spoke with XXXX XXXX # XXXX to try to figure things out. I explained my situation to her. I let her know that the last 3 reps I have spoken to had conflicting information. I want to pay my loan off, so I asked about a graduated repayment plan. She told me it was XXXX. XXXX some dollar at first, and then every 24 mos it increased. This was discussed at the end of XXXX. I was then sent the same plan I was currently on after she asked about my income. I had to call the next morning to let them know that is NOT what I had asked for. I was then sent a letter stating that Navient was sorry for the delay. There were NO specifics about payment. I was then sent an email regarding the plan I had asked about .I was then sent the plan I had asked for at XXXX/mo. This is not what was communicated to me by the people I had spoken with. Again, I called back and spoke to XXXX on XXXX. In the meantime, I had contact an attorney because of all the discrepancies with the answers I had been given. I am trying to pay my loan off .This company is making it REALLY difficult. I was told I could pay my interest of XXXX of interest during forebearance. Then I was told it was upwards of XXXX When I asked XXXX what my interest was because I wanted to pay, she let me know it was XXXX. XXXX dollars. Plus, some change. I paid, adn my e-paymetn wasn't posted until XX/XX/XXXX. I paid on XXXX so 4 days of interest had accrued. Ridiculous. All payments I make by website are posted immediately. So, I ask her about looking up interest so I can see what I owe during a forebearance. We are both on the website at the same time. I want to know where I can find my daily interest so I can pay. She tells me to look at a tab, so I do. I tell her there are only options beginning with 6 mos. She finally admits that she " doesn't know '' where I can find that info. I just want to pay my loan. I called an attorney. She told me to go back on income driven, but I have already paid to get out, so I can pay my loan, and actually make progress. She has no answer. I let her know that I have been misinformed several times in the last week. The attorney tells me to go back to income driven as well. I call this evening XXXX and speak with XXXX # XXXX. I tell her the issues and discrepancies. I was put back on a plan that paid to exit, then I had to call to change to the plan I had requested. This was all ok via internet. everything accepted. When I called and spoke with XXXX, she told me I needed to fill out another app for Income Driven when I was just accepted WITHOUT an app on the XXXX of XXXX. I called today, XXXX and spoke with XXXX # XXXX. She let me know she can not reverse the transaction, and that I still need to submit the application that I submittted in XXXX of this year. Yet, on the XXXX, this was not a request, and I was sent the info for the IDR. It is a yearly renewal, and it is not XXXX. So, Navient is, again, not helping anyone. There is no reason for me to fill out the application again for the Income Driven Repayment Plan, that is still valid from XXXX. The company is telling me I have to fill out another application to be re-instated - when it was all ok on the XXXX without having to do so because my info hasn't changed. Now ; however, the payment from that time has decreased, therefore increasing, a borrower 's balance, and the money owed. All of this information is recorded via phone calls. This company is a mess, and is NOT helping the economy, or consumers. Their employees have no idea how to help borrowers, and the information is misleading. They continue to add interest 4 days after an e-payment has been made.
Company Response: Closed with explanation

Timely Response

2019-03-15

Sebring, FL

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: The company harassing me is : NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX PO Box XXXX This is a co-signed loan that was discharged 15 years ago through a bankruptcy. I have told them verbally and through a letter to stop sending these letters. I do not owe this debt.
Company Response: Closed with explanation

Timely Response

2019-03-15

Cataldo, ID

Incorrect information on your report

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

Information belongs to someone else
Complaint: XX/XX/XXXX-Divorceproceedingsbeganwithmynowex-wifeXX/XX/XXXX-Mysoontobeex-wifedemandedIsignParentalStudentLoanpaperworkforourson.Irefusedbecausehewasworking;shewouldgetthemoneyandmostlikelyspendit;andweweredivorcing. XX/XX/XXXX-Duringdiscovery,Ifoundoutforthefirsttimeshehadtakenoutseveralstudentloansandhadforgedmynameonthedocuments.Thisincludesloansforherself15yearsagoandmysoninXX/XX/XXXX,Ontheloanpaperworkprovidedtothecourt,mynameandSS#hadbeenhandwritteninonthedocumentsometimeaftertheoriginationoftheloansnowbeingservicedbyNavient.IwasadvisedtopursuethisasfraudwhichIdid.Thecourtgaveachancefornowex-wifetoprovethestudentloansweren'thers.ShetoldthecourttheloanswereminealthoughhernameandSS#oneverypageoftheloandocumentsandminewashandwritteninafterthefact. XX/XX/XXXX-XX/XX/XXXX-Asaresultof17phonecalls,handwritingsubmissions,andsubsequentanalysisbyNavient,itwasdeterminedthesignatureswerenotmineandpositivelymyex-wife's.Requestsweremadetotakemeofftheloans.Navientsaidtheyneededacourtordersayingtheywerenotmyloans. XX/XX/XXXX-Incourt,myex-wifeprovidedthesamestudentloandocumentsasbefore.TheJudgegavemyex-wifeonelastchancetoprovethestudentloansweren'thers. XX/XX/XXXX-WewenttocourtafterItoldmynewattorneyinXX/XX/XXXXthatIneedtheJudgesrulingtoprovidetoNavienttoremovemyhandwrittennamefromtheloandocuments.TheJudgeruledmyex-wifehadn'tprovedtheloansweren'thersandthereforewereawardedtoher.IprovidedthecourtrulingtoNavientandtheDept.ofEducationand.requestedmynameberemovedfromthestudentloans. XX/XX/XXXX-XX/XX/XXXX-Navientwasremovedfrommycreditreport. XX/XX/XXXX-present-I'vereceiveddozensofphonecallsandlettersfromNavientlookingformyex-wife.I'vetoldNavientthatthisisnotmyex-wife'saddress,norphone#andhavegivenherstothemonmultipleoccasions. XX/XX/XXXX-IreceivedaphonecallfromNavientrequestingIsignpaperworkformyex-wife,Irefusedandtoldthemtheyhaveacourtorderandtheyneededtoleavemeoutofit.Again,Igavethemheraddressandphone#timeandtimeagain. XX/XX/XXXX-Navientputthestudentloanonmycreditreport
Company Response: Closed with explanation

Timely Response

2019-03-15

Magnolia, TX

Getting a loan

Student loan: Private student loan

Fraudulent loan
Complaint: I am an XXXX Veteran, I was lied to that my Tuition Assistance would have take care of my education. Now I am stuck with this debt. The XXXX XXXX XXXX pressured me into a high expensive private loan ( 6 % ) telling me once my TA will come in that it would pay it off. He also encouraged me to apply for XXXX XXXX, which I never received any of that. I had never used my TA before with the XXXX and I didnt know how it worked. I didnt think the Staff Member would have lied to me and I believed this was true. Once the school started I was unable to request TA because it needed to be approved before I started and the Admissions started me quickly. XXXX XXXX College had high-pressured sales tactics to get students to enroll and remained enrolled. It is proven that XXXX XXXX also deceived and misled students about financial aid options, salary rates after graduation, the transfer of credits, and career placement assistance. I knew I didnt want to stop my education after career point. One of the most important things I asked was if my credits were going to be transferred to other schools so I can continue my education. They assured me that they were all transferable and later found out that no school took my credits to continue my education. After I finished the program there was another 100 % guarantee that there would be job placement. What this meant was me showing up and looking for jobs on their computers. No one guiding me through where to look. I had no experience just the XXXX XXXX diploma. I finally found a job that wasnt in my program. I was lied to and now I was left with a big loan that TA was supposed to take care of. My personal life is still being affect by these student loans I am unable to pay for. I have defaulted on them numerous of time because I am unable to pay the loan of {$19000.00} back. In XXXX, XXXX XXXX was on local TV news, lamenting the demise of XXXX XXXX, which operated campuses in XXXX XXXX and XXXX, Texas, and XXXX, Oklahoma. Faced with findings by the XXXX Department of Education that XXXX XXXX had engaged in financial aid fraud and mismanagement, and with lawsuits filed by a growing number of his former students, XXXX told an interviewer, None of my salesmen have ever been accused of lying to students. Student loans underwater Tuition and fees for XXXX XXXX 's medical assistant certificate program totaled {$19000.00}, according to financial aid documentation in the lawsuit. The interest rate for a roughly {$5900.00} in subsidized loans and {$4600.00} in subsidized loans was described to be 4 percent each. The bulk of the degree would stem from a XXXX XXXX estimated to be more than {$8800.00}. If the total loan package was {$10000.00} and the repayment term was 120 months, which is the standard, the student would pay {$13000.00} over 10 years. But each of the students said they owe {$21000.00} to {$30000.00} in loans, but didn't specify the interest rate. The entry-level salary for XXXX XXXX in the XXXX XXXX XXXX area is only {$21000.00}, according to the Texas Workforce Commission. For experienced workers, the average pay in the local region is {$32000.00}. Federal funds not accounted for The U.S. Department of Education confirmed that XXXX XXXX College has not paid credit balances for graduated students, which total {$420000.00} and that the school has not returned {>= $1,000,000} of XXXX XXXX program funds wired to the school for students who had withdrawn from the college. After XXXX XXXX reported employee mismanagement, the federal agency changed the way it distributed funds to the college from a method that enabled the school to get payments in advance for students to a reimbursement process. In addition, it enacted more monitoring of the college 's financial accounts related to student funds. XXXX XXXX was offered the option to obtain a {$10.00} million letter of credit from a financial institution, or 25 percent of the federal funds it received, which would have enabled it to continue operating under stricter supervision. The company 's XXXX XXXX campus annual revenue was roughly {$20.00} million, but it had a profit margin of less than {$3.00} million each year, according to self-reported state records. The student attorneys in the first case are seeking a temporary restraining order and temporary injunction to stop the school from altering existing documents, transferring money out of the business beyond ordinary transactions and moving assets. Students missing money The students ' attorney XXXX XXXX, at XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX asserted that XXXX XXXX employees did not inform students that the college must release funds to students obtained through the XXXX XXXX programs, whether it was grants or loans. Beyond that, some students claimed the funds allotted to them were missing. " Certain plaintiffs never received a penny of their XXXX XXXX and XXXX XXXX 's use of these funds remains unknown, '' XXXX said in the court documents. " XXXX XXXX even went so far as to charge its own students for appointments with the financial aid office, taking further advantage of their students ' limited financial resources. '' XXXX & XXXX The attorneys allege that even after reporting its own employees misconduct to the U.S. Department of Education, the school continued to enroll new students up until XX/XX/XXXX. " The defendants ' actions are deceptive, fraudulent and were clearly designed to keep the money flowing, '' XXXX argued. " XXXX XXXX promised its students a bright future. Instead it breached its contract with plaintiffs, leaving a dark cloud over their future. '' Furthermore, the attorney claims that XXXX XXXX did not alert Texas authorities that it had been added to the U.S. Department of Education 's heightened cash monitoring list, such as the Texas XXXX XXXX XXXX XXXX. A former XXXX XXXX admissions employee, XXXX XXXX, complained to Texas authorities in XXXX that she was laid off after four and a half years after she raised concerns about misconduct at the school. ( XXXX provided me with a copy of the complaint that same year. ) Among the bad behavior XXXX alleged in her written complaint to the Texas Workforce Commission : that the school would input grades that did not exist to ensure the student had enough credits to validate collecting more money ; that XXXX XXXX is aware of the Federal Financial Aid Fraud that has taken place in the form of Admissions Reps. instructing students to electronically sign Parent Plus Loans for parents who would not sign ; that Fraudulent Tax Advisor Id Numbers were being used by Admissions to get students through the Federal Financial Aid process when they did not have the adequate documentation ; and that the school allowed enrolling mentally ill students who do not have support groups and whom Admissions had them randomly acquire numbers from phone books to get them through Financial Aid ( FA ) since the Financial Aid form has to have six support group numbers listed. XXXX complaint further claimed, In Admissions, we were trained about the sales practice of making a friend to get the students to trust us and then we were supposed to make them feel the pain of how lousy their lives were so that we could then get them to think XXXX XXXX could save them. We were trained that good sales reps. could make the prospective students cry. We were trained that once we broke them down, we could build them back up with the concept that we were there to change their meaningless lives .... If a student came in and completed FA but decided that they wanted to go home to think about it, team leads would be called to do their hard sales pitch. If they were not successful, the prospective student was then taken to the Director of Admissions to be even pressured further. The tactic of making them feel worthless was reiterated until they signed up for school. This was done to mentally ill prospects as well. The XXXX complaint also alleged that the school concealed the felony convictions of new students to ensure their eligibility for financial aid. When one graduate complained to the school that she then couldnt get the job she sought because her felony conviction was deemed disqualifying, and then learned that a school official had apparently forged her signature on documents, she filed a police report. According to XXXX XXXX complaint, the school then covered that students loans in exchange for her dropping the charge. XXXX further claimed that XXXX XXXX hired its own graduates on campus to increase reported job placement rates ; but, As soon as those students are accounted for as being placed, they are laid off.
Company Response: Closed with explanation

Timely Response

2019-03-15

Ridley Park, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I make my student loan payment every month for {$64.00} which is based on my income, however, after making my payment on the XXXX, Navient is adding on interest of $ XXXX monthly which is hurting my credit and not helping bring my balance down. I contacted them and they stated my daily interest is {$38.00}. I need help.
Company Response: Closed with explanation

Timely Response

2019-03-15

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-03-15

Stkn, CA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-03-15

MI

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I am a co-signer on my son 's student loan. Both my son and I are under financial hardship and working hard to get out debt and find better employment. I have talked to Navient several times about this and yet they are rude and unhelpful. I have called them and told them that we are doing out best and yet today for example I have received 4 calls from them, XX/XX/XXXX I received calls at XXXX, XXXX, XXXX XXXX, and XXXX and it is XXXX. This feels like harassment. At the time of the loans and even now this entire process has been confusing and often times wonder if they are misleading us into more unreasonable outcomes. Today I tried to file a complaint with Navient and received this error message : " sorry an error has occurred, try again later. '' Also, if the loans were at a California school does that mean that we could be part of the California lawsuit though we no longer live there? XXXX
Company Response: Closed with explanation

Timely Response

2019-03-15

MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Navient runs circles around you and makes it impossible to payoff your loans. I am trying to allocate my payments to my loan with the higher interest rate, as well as pay more to work toward paying those off first. I have been on the phone for 1 hour and no one can explain to me how to do this. IE if I pay more now, it will be received as an overpayment and push back my next payment cycle. It is mind-blowing that I can not pay more to pay off these loans. They obviously just want me to keep paying off interest.
Company Response: Closed with explanation

Timely Response

2019-03-15

Framingham, MA

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

2019-03-14

Gary, IN

Getting a loan

Student loan: Private student loan

Fraudulent loan
Company Response: Closed with explanation

Timely Response

2019-03-14

OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have had this problem for over a year now ... Every time I make a payment, despite having my profile indicate that I want payments to advance the next payment due date ; this is not happening. The due date is only advanced after I call the lender and not automatically with my payment as requested. They know this is an ongoing issue and have still not fixed the problem ( despite being told each month that it has been fixed ). When they adjust the payment, for some reason, they also adjust the amounts applied to interest and to principle -- making transparency of how my payments are being applied close to impossible. Why would the amount of interest and principle paid change because the due date was adjusted?
Company Response: Closed with explanation

Timely Response

2019-03-14

Glenmont, OH

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

2019-03-14

Penn Yan, NY

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

2019-03-14

Marigold, CA

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-03-14

Northside, NC

Incorrect information on your report

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

Information belongs to someone else
Complaint: Student loans are appearing on my credit report. I have contacted Navient, XXXX, viewed the student database and have contacted the college in question. Not one agency or organization is able to provide a signed promissory note with information about these loans for verification.
Company Response: Closed with explanation

Timely Response

2019-03-14

East Mansfield, OH

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-03-14

Temperanceville, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Navient/ Salle Mae has repeatedly misapplied my funds to future payments rather than paying down the balance of the fund when I overpaid. I've called to have this changed several times and discover that things were " accidentally '' applied to future payments. I also had lengthy arguments with them about whether or not the SCRA applied to me before they begrudgingly applied the SCRA to my account. I was also told that the Public Service Loan forgiveness program does not apply to be although because the balance of my loan would be due before the 10-year service obligation was completed. I went to XXXX XXXXl on a military scholarship and have been on XXXX XXXX in the military since I graduated in 2012. Also, although I had money allocated from my bank account to pay off the loan, Navient started auto-deducting and addition {$220.00} from my bank account for approximately 7 months without explanation. While they were drawing extra money from my account, I was already paying them twice the payback amount which they were applying to future payments and not to the body of the loan thereby increasing my future interest payments. I have repeatedly asked for paper statments to prove that these charges are incorrect and they absolutely refuse to supply them under any circumstances.
Company Response: Closed with explanation

Timely Response