Navient Solutions, LLC.
Consumer Complaints
There are over 31323 complaints on file for Navient Solutions, LLC.. Dated between 2019-12-15 and 2012-03-01.
Complaints Page 104
2019-03-14
Everett, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have two student loans that continue to show up through Navient. These loans should never have existed as i dropped out of this school and they never refunded the money back to the government. The disbursement date shows XX/XX/2008 XXXX it is now XXXX the other was XXXX and now XXXX disbursed XX/XX/2008 I have contacted the Dept of Ed each year when i would apply for federal aid and they stated the loans should not be there.
This has been stated for years and years.11 to be exact. I have went on to complete my BS.
Im asking someone intervene and remove these loans.
Thank you for your help. XXXX
Company Response: Closed with monetary relief
2019-03-14
Red Bank, NJ
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
2019-03-14
KY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I would love to know how to go about investigating my loans in connection with the current lawsuit Consumer Finance has against Navient. My state has filed nothing and I am certain I could be included in this, federally and/or locally ( KY ).
Recently, first, I tried to setup my payments for auto pay so I could get the reduction in my interest rate. It took MONTHS. They kept taking the payment then kicking it back. If I were not working for my family business, I would not have had time to do all the work I did to finally get it working.
Second, I have been submitting payments via my bank ( online ), over and above the monthly payment that is being automatically deducted from my account. My account is setup to direct all overpayments to principle. They have applied them to interest. I can supply you with screen shots showing such. Their answer? I can hardly understand it but I am assuming it is being applied this way because it arrives before my payment is due and they're applying it to my payment, anyway??? This is RIDICULOUS. The last correspondence I received from them says it is being applied correctly. That is all! " Sorry about your bad luck. '' Can you advise me as to how I should proceed?
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX
Company Response: Closed with explanation
2019-03-14
Boardman, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2019-03-14
DC
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: After, reviewing XXXX Universitys website, I'm concerned about the sourcing of rankings, outcomes and comparative data. I fear the information is either not correct or is misrepresented and therefore misleading prospective & current students.
{$110000.00} in Student Loan Debt : For example, XXXX University markets itself as an affordable, first-generation student friendly institution. Yet, I left with an excess of {$110000.00} in student loan debt. My parents ( who did not attend college ) were willing to pay for {$20000.00} of it, leaving me with a monthly student loan payment of {$1100.00} from XXXX while living in Washington, DC making {$38000.00} a year ( a company XXXX XXXX, CFO directed me to ). The response from the finance office my senior year was Oh wow, thats a lot. Youre not going to be able to afford that in this area ( this area being XXXX Pennsylvania ). Unfortunately, Im not the only one. XXXX XXXX, who is featured in the XXXX XXXX segment below, shares a similar fate.
Link to XXXX XXXX : XXXX : XXXX Strong Ties to Predatory Student Loan Lenders : Yet XXXX continues to promote affordable degrees that are friendly towards first-generation college students. XXXX Board of Trustees also share strong ties to Navient and Sallie Mae who issued me loans with interest rates from 8 % to 12 %. I find a conflict of interest between the Board of Trustees who are driving XXXX students to take out high-interest loans with private lenders.
Link to XXXX XXXX XXXX : XXXX Board Member and Former Executive of Sallie Mae and President of the XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX serves as chairman of the board of XXXX XXXX XXXX , formerly XXXX XXXX XXXX and is a member of the Governance Committee. He is president and CEO of XXXX XXXX XXXX XXXX, based in XXXX XXXX. He is a retired partner of the XXXX-based law firm XXXX, XXXX XXXX, a former executive vice president of Sallie Mae Inc., and the former executive vice president, general counsel and secretary of XXXX XXXX XXXX.
My Goal : My ultimate goal is to provide a voice for those who have been financially disadvantaged by an institution of higher learning who markets themselves as affordable and accessible to first generation and minority students. I'm aware that this is a systemic issue among small, private liberal arts institution who are struggling to find " their niche '' in the competitive higher education market but issues such as transparent marketing tactics and the unwillingness to address student financial literacy need to be confronted. There are better ways to handle this situation and I hope XXXX chooses to be on the right side of history.
Company Response: Closed with explanation
2019-03-14
NY
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I am a graduate of XXXX XXXX XXXX XXXX XXXX ( my dream school since I was XXXX years old ) which I now regret. I have roughly {$130000.00} in private loans with Sallie Mae and {$40000.00} in federal loans. After graduation I was highered part time and qualified for forms of forbearance.My mother who cosigned my private loans filed for bankruptcy and is my only family, she can not help me pay what so ever. Now that I have a full time job ( and looking for a second ) and make {$430.00} a week I don't qualify for any forbearance, but still cant afford the lowest repayment options, {$590.00} a month from Sallie Mae and {$230.00} for Federal. I have a personal loan, phone payment, {$670.00} rent, and groceries I pay every month. This doesn't include electricity bills, heating bills, water bills, or any other monthly bills. I am currently in the process of moving everything over from XXXX to XXXX XXXX, so my car insurance and car payments are not even included. I feel as though I am fighting a losing battle and do not know what else I can do
Company Response: Closed with explanation
2019-03-14
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Today XX/XX/XXXX I called regarding a decrease in a disbursement that was made back in XX/XX/XXXX. I was told that I wont see the credit or any deductions on my account because its a small amount of {$180.00}. They scam me out of my {$180.00} and I feel helpless. I dont know what to do. They were really rude on the phone and even hanged up on me.
Company Response: Closed with explanation
2019-03-14
Kingstree, SC
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I am a cosigner on a private student loan with Navient. I have reached out to them on multiple occasions about how My payments are being allocated because I have been the primary payer on the loan since XXXX. The initial loan value was approximately XXXX and 6 years later I still owe a little over XXXX. The payment was initially XXXX per month so if you do the math that is over XXXX. I feel like the private student loan companies are stealing from borrowers. The interest rate is variable and when I called to ask how that is calculated they could not tell me. My interest rate is currently over 11 %. Since XXXX of XXXX when my loan was bought from sallie mae by Navient, my balance has actually gone up by {$200.00} although Ive been making monthly payments. My brother, who is the initial borrower, is back in school full time but his loan doesnt qualify for any type of deferment due to the type of loan it is per Navient. Feels like there should be some sort of law against the gross negligence and mismanagement of funds that is obviously taking place at Navient. When I called in on XX/XX/XXXX and asked how we could get my balance down, the man replied I could pay more each month. No other assistance was offered.
Company Response: Closed with explanation
2019-03-13
Hinkley, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have attempted on numerous occasions to dispute the false negative 60 day late payment on my credit report from Navient. Only to be told it was accurate when it couldn't possibly be. The months before and after the month started to be 60 days late are both on time. Aside from that, I never have had to make a payment and was in school. I have mo idea what happened to cause this. I believe that they misallocated payments or messed up with a deferment/forbearance somewhere and they refuse to take responsibility. And fix it. Please help. My credit is suffering from this. Also the loan on there is from XX/XX/2005 and has been transferred twice now, I would like it taken off completely.
Company Response: Closed with explanation
2019-03-13
South Florida, FL
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Complaint: Navient refuses to issue a paid in full letter. They refuse to let the creditors know the account is paid in full and closed. When I call they tell me to give them another 45 days and this isnt right. Im thinking theyre trying to accrue interest in the mean time.
Company Response: Closed with explanation
2019-03-13
Columbus, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-03-13
Doon, IA
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
2019-03-13
Lutherville, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with explanation
2019-03-13
Ridley Park, PA
Attempts to collect debt not owed
Debt collection: Private student loan debt
Debt was result of identity theft
Complaint: On XX/XX/XXXX, I responded to an email from Navient Student Services that my private loans were due for repayment. At that time, I didn't understand what they were referring to, but I was afraid that if I didn't at least pay the amount they were requesting to put my " private students loans '' in forbearance, they were going to put in delinquency on my credit report. So I paid them the amount of {$100.00} they requested to put my " loans '' in forbearance, which I thought it would be until XXXX, but then when I called back on XX/XX/XXXX, they said that the payment was only for a month forbearance and they need another {$100.00} for another month. That's when I decided to ask for the promissory notes they supposedly had, because even then I did not remember requesting any private loans from them. The only loans I have are through the DOE through fedloan. Those loans are legitimate, but these loans with Navient are not. When I received the promissory notes, they confirmed my suspicion, I never made these loan requests. Someone copied these loan requests from when I was at XXXX College from the loans I had through the DOE. The loans from Navient had originated through XXXX XXXX in XXXX, and I never authorized these loans at all. They were all made electronically with an e-signature and I never did that at all with XXXX. And yet Navient still wants their money, they have harassed me with calls and emails left and right AFTER I told them that these loans are fraudulent. And yet the representatives told me that there was nothing they can do because the loans were dispersed to the college during the time I was there. BUT I NEVER REQUESTED THESE LOANS. Also Navient says that a Stafford Subsidized Loan was made by me to XXXX XXXX University in XXXX, and I never went to XXXX XXXX University in XXXX. I went there ON A XXXX XXXX during XXXX. So that is definitely fraudulent and I should not have to pay anything nor be threatened with delinquency at all.
Company Response: Closed with explanation
2019-03-13
San Diego, CA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: During my sons stay at XXXX College of art and design from XXXX through XXXX, we took out XXXX student loans through XXXX under my son 's name totalling {$68000.00} {$4000.00} on XX/XX/XXXX {$15000.00} on XX/XX/XXXX {$18000.00} on XX/XX/XXXX {$31000.00} on XX/XX/XXXX When my son graduated he continued to pay another loan of XXXX dollars under his name, in the year of XXXX my taxes were deducted because they owed {$85000.00} dollars because, they star to charging interes from the first day that we took the loans on XXXX, the loans when my son graduated, was charger with 4 years interes, I do not know how those loans were left to my name. According to XXXX XXXX I would pay monthly only XXXX dollars for a year to come out of collection and I do one year auto pay, but they never told me that the loan would continue to increase and they transferred my account to NAVIENT now, they charge me {$95000.00} because they say the interest is up to 7.9 % When I was never notified of this XXXX loans in 5 years, I was assuming that the loans in fafsa were free student loans, my son was never informed during all these years because they were confidential in my name, but I'm not thee student they need to know about the loans, very appropriate for the company to continue increasing the interest in an incredible way.
Company Response: Closed with explanation
2019-03-13
New Market, AL
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Complaint: On numerous occasions I have had to resubmit financial documents to Naviant in order to have my student loans rehabilitated. I gather all of the need documents such as daycare receipts, bills such as mortgage, utilities and car payments. Each respond that we have received back regarding the submitted documents range from sorry but this form was not included or sorry we need you to resubmit all your documents. This has been on going for a year now. I call naviant today XX/XX/XXXX to discuss making a payment to my account which is supposed to be around {$270.00} a month. The customer service representative tells me that Im supposed to make a monthly payment of {$1300.00}. I told her about the rehabilitation payment of {$270.00} a month and asked her where she got that larger number from. She hangs up on me. I call back to Navient and no answer.
Company Response: Closed with explanation
2019-03-13
San Francisco, CA
Written notification about debt
Debt collection: Private student loan debt
Didn't receive notice of right to dispute
Complaint: Navient has failed to provide honest & adequate services to its borrowers. It seems they are constantly dishonest about the structure of their company, and do nothing to help people that are making increasing efforts to make payments or proper arrangements ( that are not only in the best interest of the company, but for the millions of borrowers that are struggling to make their payments every month, without feeling vacuumed by student loan debt.
I am constantly being told misinformation, and there is always lack of detail as far as your current loan and your options to make things more comfortable for the borrower. They have denied every request I've made for help : refinancing, releasing co-signer, making structural payments every month that would make an impact in decreasing the debt.
I've been paying for nearly 5 years now, and my balance is still the same! I've made arrangements throughout the years, they feed you lies so you think your arrangement will serve you well, if you're consistent and make substantial payments, etc ... but it appears to me the money you pay literally goes into their pockets, your balance remains the same from when you started 5 years prior, and NO, you are not eligable for help as far as refinancing, or even trying to structure a payment plan that would be in the best interest of the borrower.
I was told that they could not set up a plan that would benefit me long term. It was up to me to " overpay '' the balance, and therefore the remainder will go towards the principal. I asked for a financial advisor, or someone in accounts receivable that could possibly help me break down my loan that will serve my best interest, make an impact on the principal and possibly divide a percentage of both principal and interest that would actually start to decrease my balance ( which is stagnate for over 5 years, while paying nearly {$600.00} a month on a $ XXXX loan ) ... they told me they have no such department that would do that, they transferred me to " Customer Service XXXX who didn't care to find a solution, just repeating " facts '' like a robot, and telling me he didn't understand my questions.
I'm disgusted by their company work ethic and lack of honest service. I can't believe that this is legal.
Company Response: Closed with explanation
2019-03-13
Sebring, FL
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: When I originally signed up for school I was confused in the fact I was getting a grant, paying the school, and signing for a government loan. It was all a very confusing situation where we were constantly interrupted and very unorganized. I was under the assumption I was getting a grant and would pay the school monthly while attending. I was a single mom works now 2 jobs while doing the classes online. This was very exciting to me that I would be able to go to school and earn a degree and start a new career. I worked hard for 2 years finishing assignments staying on the Dean 's list. I could not wait to get my degree and finally start my career in XXXX XXXX and XXXX. I made sure I never missed a monthly payment to the school so there would be no delays of graduating. I was told that upon graduation they would help with job placement. After walking across the stage all of those promises where gone. I was told there were no jobs available where I lived. I would call the school and leave messages and get no response. Then the reality of I had student loans. Now I have a worthless degree and drowning in student loans. I graduated almost 10 years ago and have not even come close to the income promised. I found out after graduating that I didn't even need a degree in XXXX XXXX. I was able to get a XXXX job and took courses and have been working in a physicians office as a XXXX XXXX. I have asked Navient year after year if I can get the loans consolidated so I can make reasonable monthly payments instead of multiple payments at prices I couldn't even imagine paying with my current income. Navient has told me year after year that it would be best if I just did forbearance and deferments. Not fully knowing what those are they set me up for those. In the meantime the interest keeps going up and up. Making it even more impossible to ever imagine paying them off. The college 's and student loan officers should not be allowed to mislead students. When we are signing up we are so excited with our dreams of a better future and your throwing so much information at them and easily confusing them. It's not right and should be against the law. I'm adding my complaint so hopefully it will help stop them from doing this in the future.
Company Response: Closed with explanation
2019-03-13
Jackson, MS
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-03-13
Northside, NC
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: XXXX XXXX XXXX XXXX XXXX ( XXXX, NC ) use Navient to service private student loans. Navient provides misleading information concerning the loan that forces students to pay over 251 payments of {$300.00} a month for a $ XXXX loan. In return, the information is listed on the student 's credit file. The 251 payments for a XXXX being listed on their credit reports make it difficult to obtain a mortgage, even if the student has a good payment history. It cost over {$75000.00} to pay back an initial {$25000.00} loan. Navient refuses to work with students and make it almost impossible to get out of the loan unless paying it off in full. However, still, the interest is charged daily, so the payoff amount increases substantially before they even apply the payoff check to the account. Next day payments do not even help. The payment amount changes daily. This is what is holding America back. 5 days ago they noted a different payoff of the original payoff which is {$22000.00} onXX/XX/XXXX. Today the new payoff amount is XXXX and that is a rip off. When I initially called they gave me 10 day payoff amount of {$22000.00}. Today I spoke to XXXX XXXX the supervisor and she stated that even though they have received it, it has not been processed yet and if it is not processed by the XXXX the payoff amount will increase.
Company Response: Closed with monetary relief
2019-03-13
Arco, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: XX/XX/XXXX : Complete loan balance of {$240000.00} paid off in agreement with letter from navient stating 10day pay off amount XX/XX/XXXX : Received letters via email and mail stating that both accounts that I had with navient were paid in full.
XX/XX/XXXX : Email received and first point of contact made by Navient stating that student loan was going into repayment.
XX/XX/XXXX : Called Navient and spoke with representative XXXX XXXX and supervising manager XXXX XXXX. Informed that Navient had processing error and " found '' loan balance that has been accruing interest since XX/XX/XXXX. Stated I would be responsible of loan amount. Informed manager that last point of contact I received from Navient were 2 documents stating that both loans were paid in full. Unaware of any " balance '' Navient " found ''. XXXX XXXX said he would look into it. He emailed supporting documents but otherwise has been unable to be reached. Other representatives have tried to contact him but unreachable at this time.
Company Response: Closed with monetary relief
2019-03-13
Asheville, 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
2019-03-13
Glenmont, OH
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Complaint: I went to XXXX XXXX with the understanding I would not be paying money back. My XX/XX/XXXX taxes were kept this year due to Default on Federal Student Loans through Sallie Mae. I did sign some papers when I started there in XX/XX/XXXX and XX/XX/XXXX with the intent of not having to pay any money back. I called Sallie Mae on XX/XX/XXXX and they informed me that my loan was sent to another company in XX/XX/XXXX. I ran my credit, and according to my credit history my balance owed to Sallie Mae is {$0.00}, and my loan was transferred three times. I have filed my taxes every year with my husband and have never had any money taken for any debt I've owed for any federal misunderstandings before. I called the Dept. of Education in Texas and they will not speak to me until my loan comes out of default, they transferred me to another company, XXXX XXXX on XX/XX/XXXX. I talked to a lady there who said my loan is up to {$21000.00} or more! Now she mentioned my social security number has been in and out of offset through the Dept. of Education since XX/XX/XXXX. With setting up payment plans with XXXX XXXX for {$5.00} for 10 months they can get my loan out of default and then the Dept. of Education will talk to me. I ran my social security number through the IRS and my number comes back with zero debts and no offsets with my name or ss number on XX/XX/XXXX. This was a non accredited college, that's closed. They would not even give me my degree.
Company Response: Closed with explanation
2019-03-13
FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I become a student in XXXX XXXX XXXX with University XXXX XXXX obtaining an Associates Degree. Each semester I believe they were overcharging the amount the school needed for my Pell Grants and Federal Subsidized and Unsubsidized loans. This was my first time ever going to a college and I never understood why they needed so much money when my two courses where under XXXX XXXX dollars and the school was asking for over XXXX XXXX dollars. I attended at University XXXXXXXX XXXX from XXXX of XXXX until XXXX and withdrew from the school because I felt I had more options at a different college in terms of the degree I was seeking during this time. I completed all of my courses from beginning to the last course before I withdrew from the school, then the University XXXX XXXX told me I broke their contract and would need to pay an additional XXXX XXXX dollars for a course I never even took. I satisfied paying this debt to the University XXXX XXXX in XXXX. Since learning about the University XXXX XXXX and how they have handled funding I would like to put forth a complaint regarding this matter.
According to the DOE an article released states, " In the lawsuit, we found out that the University XXXX XXXX has been accused of submitting false information about its student aid statistics to the Federal Government, which allowed the school to qualify for additional federal funding that it never should have been able to receive ''. On Thursday, XX/XX/XXXX the Department of Education announced they will begin issuing Borrowers Defense to Repayment Discharges for up to {>= $1,000,000} in contested student loans. This is in direct response to a Federal Judges ruling that XXXX XXXX needed to terminate all delays in the BDAR approvals process.Odds are very good that University XXXX XXXX loans will be included in this wave of approvals, and DOE promised to start emailing borrowers on Friday XX/XX/XXXX to alert them that their debts from the cancelled loans would be eliminated within 30 to 90 days.
Company Response: Closed with explanation
2019-03-12
SC
Communication tactics
Debt collection: Private student loan debt
Used obscene, profane, or other abusive language
Complaint: I told Navient I could only pay {$50.00}. I am in school and to defer and they said I had to pay and they would not take the {$50.00}. They refused it every time. I just had a XXXX and they keep calling and the are calling and being rude and childish and playing on my phone and running up my XXXX XXXX. The stated they will not stop and if this continues I will be paying Navient home office a not pleasant visit.
Company Response: Closed with explanation