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 107
2019-03-08
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with non-monetary relief
2019-03-08
Sherman Oaks, CA
Written notification about debt
Debt collection: Private student loan debt
Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-08
Stkn, 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
2019-03-08
Bel Nor, MO
Took or threatened to take negative or legal action
Debt collection: Federal student loan debt
Sued you in a state where you do not live or did not sign for the debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-08
HI
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I am a retired XXXX. I taught for 20 years at a XXXX XXXX XXXX on the rural island of XXXX. Several years ago I did all of the paper work to have my loan forgiven because of my work on XXXX. XXXX XXXX/Navient denied my request because they said I had consolidated my loan several years before which made me ineligible for the Forgiveness Program. This seems rather specious to me. I went back to get my XXXX after 17 years XXXX at XXXX XXXX XXXX and I continued XXXX on XXXX for 3 years after receiving my degree. I think Navient violated the intention of the Federal XXXX Forgivess program. Thank you for considering my situation.
Company Response: Closed with explanation
2019-03-08
FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: XXXX years ago I missed a payment for my student loan. They didn't remind me or tell me that until I made up the arrears I would be charged a late fee. They never told me the whole amount owed so that I could catch up. I have been fighting with them, each time I paid what they said was the current amount owed they still said I had a late fee, even when I paid before it was due. I told them over and over again that I paid on time but they still said the payment was late. They never informed me that they were carrying the missed payment as an arrears and that all the payments after the missed payment would carry a late fee. Over and over again I asked why I was being charged a late fee ; they would never tell me. Finally, XXXX YEARS LATER one of the operators told me that I owed that payment from years before. Thus far I paid {$920.00} in late fees which did not go towards paying down the account. I believe they cheated me by way of omission. I could see if I hadn't asked over and over again about why I was being carried in arrears, but I asked them over and over again about straightening this account out but I believe they deliberately hid this from me. I took out the loan for {$7300.00} on XX/XX/99. I still owe {$6600.00}. I've paid over {$15000.00} which is more than twice what I borrowed.
Company Response: Closed with explanation
2019-03-08
Fort Russell, IL
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Complaint: My complaint is with regard to the service that I have received from XXXX when trying to get answers about the student loans that I have consolidated with them. In early XXXX I went to their website to review my loan balance. I noticed in the secure message area that I had an unread message. It was a letter that was sent in XX/XX/XXXX informing me that they had charged me the wrong interest rate ( 4.25 % ) when I refinanced with them and that I should have qualified for a lower rate ( 3.5 % ) and that they were going to correct this issue and credit me back the extra interest I paid. However, that rate that showed on the summary page of their website for my loan ( when I viewed it in XXXX ) still showed a 4.25 % interest rate. I then looked at my account details to see if they had credited me back any of the extra interest I paid. There were a number of entries both crediting and debiting principal and interest in the months of XXXX, XXXX and XXXX that I couldn't make heads or tails of. Thus, I called their service line to get this issues resolved. I spoke with a service rep who said that he would escalate the issue, get my rate fixed, get an explanation regarding my account history and call me back.. I waited two weeks and did not receive a call back. When I logged on to my account online the rate had been corrected but I could not see in my account details history where I had been credited the extra interest that I paid. Thus, I called them again and spoke with XXXX ( employee # XXXX ). He said he's submit the issues to be researched. I asked to speak with his manager ( XXXX ) but she was unavailable. He said she would call me back the next day. This never happened. I waited another two weeks and called back again. This time I spoke with XXXX, who also could not address my concerns or explain my account history. He too promised to research the issue and call me back. I have not heard from him either. Not once have they called me back regarding this matter or given me any explanation of the transactions that appear in my account history that don't make any sense whatsoever. I have no confidence that they have credited me back the extra interest I paid due to their error.
Company Response: Closed with explanation
2019-03-08
Wesley Chapel, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: In 2014 I was working with navient to pay off my student loans, I worked out a monthly payment plan to get brought current with my payments. I had paid on my student loans for the six months span they said I should. After the 6th month they told me that my loan would be transferred back to Sallie Mae where I could continue to make these payments.when attempting to get a hold of Sallie Mae they had no information on my loans they didn't know anything about my particular student loan debt. however upon getting back in touch with navient they told me that it was no longer in their system because they transferred it to Sallie Mae and I was brought current with my loan. I was also told that since my loans were current, that my tax return would no longer be withheld from me and I would even be able to reapply for a new student loan if I so chose. After a few days of trying to contact Sallie Mae I received another phone call from navient. they informed me that I was delinquent on a loan, which I explained I have been paying for 6 months and done everything appropriately. It turns out they conveniently left one of my loans out of the original debt that I had.so, I'm thinking I'm doing the right thing and paying off my student loans and getting ahead of it. Apparently they decided to leave one of the student loans out so they could continue to call and harass me about a separate student loan. Which should have all been bundled into the one payment I was making. Upon doing some further research, I found that four of my student loans were paid up and current, and the two that they conveniently forgot about we're still in delinquency. at this point, Sallie Mae still has no information about my student loan making it impossible to pay. A navient wants to start this payment plan all over again with separate loans that should have been included in the original. my taxes have been taken from me every year since then, and I have still not been able to resolve the issues of the misplaced loans while dealing with navient. when trying to do the right thing and pay off a debt, a company that large should not be doing everything they can to hold you back from paying off said debt. it's been racking up interest and late payments and everything else simply because they decided to separate my student loans and not tell me that I was only paying three-quarters of my loans. I have since gotten married and had children, now as a family we are losing all of our tax return at the beginning of the year. I have just recently heard about the lawsuit against navient, and realized a lot of the things that are in that lawsuit is what they also did to me.after doing what I could to get on track with the loan repayment and fix my credit and get my taxes back at the beginning of the year, they have continued to make that nearly impossible.
Company Response: Closed with explanation
2019-03-08
Cleveland, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-03-08
MI
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: I am a co-signer on the Private loan that my daughter has. On XX/XX/XXXX, I informed them that I am unable to pay on her account due to having to pay over XXXX a month myself in student loans and have asked them to grant her a forbearance for more than what they are saying.
On XX/XX/XXXX received another call and spoke with the customer service rep. and asked her to read the notes on the account stating that I can not pay. She became rude and asked why and I unwilling to pay. I asked to speak to her supervisor. I told the supervisor my daughter can not pay and that I would like a 6 month forbearance on her account and to send me the paperwork to my email, she stated they can not do that and they can not mail the paperwork. I must first pay the {$50.00} to start the process and then I will get the policy in the mail. I stated I am not going to pay for something before reading the document as to what I was agreeing to. How can a company force you to pay for a forbearance first and not know what the terms are only going by what the representative is telling you. I refused to pay them anything without reading what I am agreeing to.
No one should have to blindly agree and pay for anything. This is the first rule we are taught as consumers never give any company money without reading the fine print.
Company Response: Closed with explanation
2019-03-08
OK
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Collected or attempted to collect exempt funds
Complaint: I spoke with Navient on the phone about 2 years ago and they advised they were a third party collection agency. I advised them I did not have a debt with them.Asked them to verify this debt with name and signature and they never responded.
Currently I have been under a XXXX XXXX plan.
Recently on XX/XX/XXXX and XX/XX/XXXX my Federal Taxes and XXXX Taxes were taken from me and applied to a delinquent debt.
The applied debt was taken by U.S. Department of Education C/O Navient, P. O. Box XXXX, XXXX XXXX XXXX XXXX, Pa XXXX. Also XXXX XXXX XXXX XXXX XXXX XXXX, P.O Box XXXX, XXXX XXXX, Oklahoma XXXX.
However, this Company Navient and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, In XXXX, a third party collection agencies, never proved that I made a debt with them. I was never taken to court by either one of these two companies. I did, however, send a letter to both of them to verify this debt. I also advised them that I needed proof of debt with date and my signature on it. They could never verify that I ever made the debt with them.
I believe this is an unjust claim for them to take my Federal Taxes and XXXX State Taxes due to the nature of the claim.
To resolve the problem, I would appreciate and request a full refund.
I look forward to your reply and a resolution to my problem, I will wait hopefully for sometime in XXXX for a resolution.
I received a phone call yesterday leaving a message without whom to contact and advising me they will be coming after my pay check.
I need assistance as soon as possible.
I sent letters also to My Consumer Protection Agency and My Attorney State General.
XXXX tax was {$920.00} XX/XX/XXXX and last years they also took XXXX $ XXXX included they took my Federal Tax {$2900.00} XX/XX/XXXX
Company Response: Closed with explanation
2019-03-08
Kagel Canyon, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-03-08
Jefferson City, MO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have a settlement with Navient that I am repaying. I started this repayment in XX/XX/2018. Navient has cashed 2 of the 4 checks I have sent them. The account is still accruing interest, even though it is not supposed to because it is a settlement. They are now reporting delinquency to the credit bureaus, even though they have 2 checks I have sent them but they have not cashed them. I have attempted to contact them and no one knows how to put me in touch with the post default payment department. They have told me they will have someone get into touch with me and that has not happened.
Company Response: Closed with explanation
2019-03-08
Val Verde, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: They are over charging me. They re also processing payments wrong.
Company Response: Closed with explanation
2019-03-08
Stafford, VA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: In XXXX of XXXX, I was in need of a co signer to obtain loans to pay for graduate school. My first loan was co-signed by my uncle. The second was co-signed by dad. In XXXX, the loan servicer at the time Sallie Mae, now Navient? Advised that within one year of my graduating from school that they would both automatically fall of the loans and that it would only be in my name and my responsibilities. Fast forward to XXXX. I have been out of school for 2 years, paying on the loans after a 3 month forbearance from XXXX of XXXX to XX/XX/XXXX. XX/XX/XXXX I call to see why the signers are still on the loan. Sallie Mae/Navient advised me that the rule is now, that I must make 2 years of on time payments AND then the co signer will come off the loan. At the time, I had been making payments, some of them interest only for short time, so my two years of payments did not QUALIFY for removal in XXXX. Fast forward to XX/XX/XXXX. Two more years of payments, I call and ask at that time to have them removed. I am then told that I must qualify for the loan amounts on my own and that I would need to apply to get the loans solely in my name. I apply and I am informed that at the XXXX month payment I was a day late so my two years of payments must start all over from the date of day late payment. 2 more years pass. Its now XXXX. I have made my two years of payments, I have applied to get the Co signers released, then I am told I must send letters written by the co-signers requesting release. Then from there, I would still need to have a high enough credit score and sufficient income to get them released, I would need to submit tax returns for two years along with my application request. At the time, I was self employed running a business that was making a profit but not enough obviously to have the signers released. The co signers both retired and XXXX, write letters and requested release, they too had to submit financial information. Again, they are denied stating that they cant be released because the amount left on the loan and our credits combined wont allow me to hold the loan individually without their fixed incomes being counted. So two more years, of me working on my credit score to apply again, to have them deny me again saying I missed a payment again at the XXXX month mark and would need to start over. This cycle of 2 years of payments, applying, letters written by co-signers has gone on until now. I am currently unemployed and I have been since XXXX of XXXX. I got a lawyer involved last year to see if they could assist me in getting my payments lowered, my loans forgiven or some time of relief. They were only able to get me some assistance for a few months. Now, I have missed ONE payment for this year and they are constantly calling my co signers and sending me emails to which I have advised them again, I am not working. I was told I had to pay XXXX to be put on a 3 month forbearance AFTER I told him, I had NO income and would be out of the country the next few years on a mission and my co signers were XXXX and on fixed incomes and they too can not afford to make my payments, the young man today, named XXXX XXXX said he would notate my account, as there was NOTHING he could do to stop the calls or emails unless I paid the XXXX and that would only stop it for 3 months? I have paid the amount of the original loans ( XXXX ) PLUS more than that in the last 15 years. And the balance has only gone down XXXX ( currently balance is XXXX ) after paying between 900-1200 a month for 10 years straight. Navient has caused more trouble than enough to my father and my uncle who cant get the services they need as this loan is still on their credit reports showing close to their original loan balances despite 15 years of payments. This is insane and worse, my uncle is no longer speaking to me or my dad as a result. Navient has destroyed my life, my relationship with uncle, my husband and any future relationships as well.
Company Response: Closed with explanation
2019-03-08
Sarasota, FL
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Company Response: Closed with explanation
2019-03-08
Hamburg, MN
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
2019-03-08
Little Canada, MN
Struggling to repay your loan
Student loan: Private student loan
Can't temporarily delay making payments
Company Response: Closed with explanation
2019-03-07
Honolulu, HI
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
2019-03-07
Washington, DC
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
2019-03-07
Oxford, GA
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Complaint: They placed me in forbearance and stated on my credit that the loan was deferred. I have served XXXX XXXX in the military and should not even have student loans.
Company Response: Closed with explanation
2019-03-07
Dallas, TX
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Complaint: I am on a repayment plan income driven and my payments are {$0.00}. On my credit report my score keeps dropping because Navient keeps reporting my balance increase. I contacted Navient and they keep telling me they are not reporting and there is nothing they can do.
Company Response: Closed with explanation
2019-03-07
IN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: From to XXXX to XXXX I was not enrolled in an income based repayment plan in a loan from Navient, which in my opinion would have been the optimal choice for repayment given my income situation during those years. There may have been better options than the aforementioned but I was steered towards deferment and during those years had a total of {$4600.00} of interest capitalized in the loan. I believe there was inadequate explanation on loan policies and repayment options. This financial strain has not only impacted my life, but now the lives of the people I provide for including my wife and daughter. On my current repayment plan I will have pay over {$20000.00} dollars on a loan in which the original borrowed amount was {$9900.00} to which I have already payed over {$8500.00}. I called Navient recently and asked for help to which the only answer I received was that I needed to pay off the loan.
Company Response: Closed with explanation
2019-03-07
Honolulu, HI
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
2019-03-07
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