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 108
2019-03-07
Charlotte, NC
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: In XXXX, I co-signed for a student loan for my son through XXXX XXXX XXXX XXXX, and began to make monthly payments on the loan. I also acquired loans for the years XXXX and XXXX from XXXX XXXX XXXX XXXX with the same terms that repayment would commence within 60 days. Each loan had a 177 payments maturity terms. The Sallie Mae Corporation acquired the loan portfolio from XXXX XXXX XXXX XXXX some time after XXXX, and I began to send the monthly payments to Sallie Mae instead of XXXX XXXX XXXX XXXX. I continued to send the payments to Sallie Mae ( now Navient ) through XXXX. My son graduated from college in XXXX. At that time, ha assumed the loan payments, but was sporadic in making the payments. Because I was a co-signer, this was affecting my credit, so in XXXX, I decided to resume payment of the loans myself. In XXXX, while applying for a home loan, I discovered that apparently, Sallie Mae had given me " zero '' credit for my payments to XXXX XXXX XXXX XXXX. This was determined by the balances stated on Residential Loan application, when comparing the remaining months of the loans and the loan balances. I have attempted to reconcile this situation with Navient for years with no success.
Company Response: Closed with explanation
2019-03-07
College Park, NV
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt was paid
Company Response: Closed with non-monetary relief
2019-03-07
CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I attended XXXX XXXX University from the fall of XXXX to the spring of XXXX and graduated with a BS in XXXX XXXX. After graduation I accepted an industry position and began my new career in XXXX of XXXX. After an automatic deferment of six months on my loan repayment I entered an income-based repayment ( IBR ) plan that allowed me to make payments while supporting my wife and twin sons, all without incident. When it was time to renew my XXXX in XXXX I followed the same process but my payment status was left unresolved for several months despite regular attempts to contact the company to resolve the matter. By XX/XX/XXXX I was receiving notices that Navient required payment but would not accept my XXXX application with no explanation as to why there was an issue. By approximately XXXX of XXXX my IBR was approved and I began payments again, but Navient had placed XXXX day late payment marks on my credit report during the time that my payment plan was in process. I worked with the credit reporting agency and Navient to resolve the issue, and eventually Navient agreed that my lack of payment was due to process errors on their end, but for some reason they have only removed the marks for the 30 and 60 day late payments on my XXXX report. Please see the attached document showing a 90 day late payment in XX/XX/XXXX but ( document titled 'XXXX Navient Payment, ' red highlight from me ) but no payment issues on XXXX and XX/XX/XXXX. I have been unable to retrieve documents from either XXXX or Navient showing the previous status, but credit reports don't generally show a random 90 day late payment mark in an otherwise satisfactory payment history. I have contested the 90 day late payment several times with both XXXX and Navient, while the XXXX staff have been friendly they appear to be unable to do anything more than contact Navient as part of the dispute and receive a form letter that says that late payments have to be noted on credit reports. Please see the attached document labeled 'Navient Form Letter ' for the last of these letters I received from Navient while disputing on my credit report. That is literally all of the contact I have been able to document from their organization. At this point I can't even log into their system to find historical documents and can't receive customer assistance in any form.
Company Response: Closed with explanation
2019-03-07
Albuquerque, NM
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: Received a debt collection call and filed a complaint. The complaint is XXXX. On XX/XX/XXXX the response to the complaint was that they'd entered my number in error and apologized for any inconvenience. On XX/XX/XXXX at XXXX XXXX they called again!!! Evidently their solution to fix the problem was less than sincere. Please get them to stop and to mean it this time. Perhaps this lack of actual solutions is why they have 28,508 complaints on your database as of a few minutes ago.
Company Response: Closed with explanation
2019-03-07
Lb, 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
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: A student loan with Navient was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for XXXX months, until XX/XX/XXXX. However, Navient closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.
Company Response: Closed with non-monetary relief
2019-03-07
Chicago, IL
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
Church Point, LA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I have been paying my loans back faithfully for 4 years. Just the other day, XX/XX/28, I learned that the amount due is now MORE than the original amount borrowed! What the heck is this? I am aware that Navient, my current loan holder, has a lawsuit pending against it. I just learned this but I see why. This is outrageous. What kind of fine print " disclosure '' did they slide by me? Please do something about this. It is so wrong.
Company Response: Closed with explanation
2019-03-07
SC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: On Friday XX/XX/19 it was brought to my attention on my credit report that my student loan balance went up from {$1000.00} to {$2400.00} without any notice or reason. On this same day i also noticed that my payments ( which i have not been delinquent on ) had increased from a monthly {$20.00} to {$100.00} also without notice or reason. I attempted several times between Friday and now ( Thursday of the following week ) to get in touch with my loan service to no avail. My loan is Serviced by Navient.
Company Response: Closed with explanation
2019-03-07
Jacksonville, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: My student loan payment is $ XXXX/month. I was placed on a IDR on XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$800.00} via ACH Debit from my checking account to satisfy XXXX and XXXX monthly payments. On XX/XX/XXXX I received an email from Navient confirming receipt of my payment in the amount of {$800.00} stating the payment posted to my account on XX/XX/XXXX. I went online to make my monthly student loan payment on XX/XX/XXXX and my account showed a payment due of {$880.00} with a past due amount of {$480.00}. I immediately called Navient to report the discrepancy. The representative stated that he was unaware of why the full payment was not applied to my account. I then spoke with a supervisor who stated that I would need to provide Navient with my bank statement to prove the payment was made, which I refused to do. I then requested the Department of Education 's number from Navient to complain about the mismanaged payment. Navient provided the number XXXX which is not the correct number for the Dept. of Ed. I then contacted the Dept of Ed. and was transferred to the Ombudsman group ( case # XXXX ) and told that I needed to contact Navient 's Advocate group which I attempted via phone and email. I have since notified Navient that I do not trust their accounting procedures and am refusing to make further payments. Given the above, Navient has negligently handled my payment, is actively operating a business to defraud consumers, is operating in a manner which is deceptive and unfair to consumers and Navient is wrongfully seeking collection of funds that are not legally owed.
Company Response: Closed with explanation
2019-03-07
Sandy Hook, CT
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: For the last 10 years have been paying granddaughters student loan as she is deceased. The lender tells me it doesnt matter that she is deceased as I am the co-signer. Students cant grt loans for college without co-signer I am on a fixed income
Company Response: Closed with explanation
2019-03-06
Olympia, WA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2019-03-06
Vernon Hill, VA
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: For the past three years my father and I have been paying back my student loans. We initially borrowed XXXX dollars and we now owe XXXX dollars because of interest. We have paid out over 13000 back towards the loan. My father is out of work, and I have been diagnosed with XXXX XXXX. I am not on XXXX but do not make enough to survive and pay loan payments. By the time the loan is paid off it will be over {$380000.00} dollars. They will not work with us to lower payments.
Company Response: Closed with explanation
2019-03-06
Eden, IN
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Company Response: Closed with explanation
2019-03-06
Rancho Cordova, CA
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Closed with explanation
2019-03-06
Lynn, MA
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-03-06
Rehoboth Bch, DE
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-03-06
Murray Hill, NJ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2019-03-06
Finksburg, MD
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: Customer service very disrespectful Once I make agreement as a cosigner on my granddaughters loans and I make payments on NAVIENT website its stating not paying as agreed. Also I agree with a payment schedule only to receive emails that Im late or not paying as negotiated.
Company Response: Closed with explanation
2019-03-06
Danville, VA
Communication tactics
Debt collection: Federal student loan debt
You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-06
Charlotte, NC
Took or threatened to take negative or legal action
Debt collection: Federal student loan debt
Collected or attempted to collect exempt funds
Complaint: I have received a letter with copies of documents I requested from XXXX XXXX XXXX XXXX there are a few of the XXXX I dispute with only copies of the computer generated XXXX and no other information which includes the schools or the amounts. They have included a typed amount for various schools and years but this does not compliment the XXXX with E-Signatures. There is one XXXX from XXXX that has my signature and I take responsibility for that, the others from the following dates that are legible and some not legible : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The accuracy of these dates are in question, I also raise questions as to the language of the XXXX with the following and my questions there after : Promise to Pay 15. I promise to pay to the order of the lender all loan amounts disbursed under the terms of this XXXX, plus interest and other charges and fees that may become due as provided in this XXXX. I understand that multiple loans may be made to me under this XXXX. I understand that by accepting any disbursements issued at any time under this XXXX, I agree to repay the loans I understand that, within certain time frames, I may cancel or reduce the amount of any loan by refusing to accept or by returning all or a portion of any disbursement that is issued.
My questions are as follows ; ( 1 ) The lender in question or lenders were and are not the Federal Government, the lenders were XXXX and other Banks on the XXXX so how could I owe the Federal Government? ( 2 ) How can multiple loans be made under one XXXX but I have at least four XXXX sent to me so the loan amounts can not be accurate if multiple loans can be made and requested by who? ( 3 ) How could I have had the opportunity to cancel a loan that I never received any currency in the form of cash, credit or check directly to me? Finally, ( 4 ) If the Federal Government used local and national Banks such as XXXX and other Corporate Banks to disperse funds for Student Loans then these Banking Systems must be bound by UCC? Which is a Federal Commercial Code to govern these transactions according to UCC 9 these loans were not payable to the bearer but the bearer which is me would be obligated to pay an inflated or fictitious amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-06
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-03-06
Magnolia, TX
Getting a loan
Student loan: Private student loan
Confusing or misleading advertising
Complaint: Attended XXXX College which is no longer accredited or open instuite. I can't get a job with the certificate due to the school closing and no accreditation which has caused me not to be ablt to work as XXXX.
Company Response: Closed with explanation
2019-03-06
Borough, CT
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-03-06
West Newfield, ME
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-03-05
Newnan, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I had to take out loans to attend college part time from XXXX.
I attended different colleges. XXXX XXXX XXXX College, XXXX XXXX University, XXXX University, and lastly XXXX XXXX University.
Therefore, I had subsidized and unsubsidized loans approximately {$39000.00} in repayment. In 2009, due to a work injury, I had major XXXX XXXX and the following years I was unable to work to my full capacity just part time Throughout the process, I contacted Navient and XXXX to go into deferrements or pay reduced amounts. Yet the last 10 years despite many letters I sent to fix/refund lost processing delays, late fees and possible misapplied payments NO adjustment was made to go back and review my loans since XXXX.
Ive tried through many phone calls, faxes and written letters and nothing was done. Now I would love to redeem their lack of follow through when students go through something this hard.
Thanks in advance for the follow up. I sincerely hope this can be related to Student Loan Departments so they stop costing students unnessary fees.
Thank you.
XXXX
Company Response: Closed with explanation