Navient Solutions, LLC.

2019-03-05

Las Vegas, NV

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: Navient keeps calling and from multiple numbers. I started to write a list of dates and times. XXXX XXXX owes me if anything!
Company Response: Closed with explanation

Timely Response

2019-03-05

Grand View, ID

Incorrect information on your report

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

Account information incorrect
Complaint: my school loans were paid and closed in XX/XX/XXXX/XX/XX/XXXX because of my XXXX. The loans from XXXX XXXX XXXX, Navient and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.
Company Response: Closed with explanation

Timely Response

2019-03-05

Seneca, SC

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: My payments were about to go up in XX/XX/XXXX and I knew that we would not be able to afford the increased payment due to my husband now working part time and our medical bills due to health issues. I called twice in XX/XX/XXXX and each person stated that the payment was not going up. At the end of XX/XX/XXXX, I received a statement that my payments were going up. I called WEEKLY to try and resolve this issue. The first call in XX/XX/XXXX, I was set up on a payment plan. I was given a confirmation number and told to pay the first installment of the payment plan. I went through the terms and conditions with the woman and accepted. She said it should reflect on my account in 3-4 business days. I gave it 7 days, and my account still stated I owed the full amount. So I called back. This person I spoke to told me that the repayment plan did not get approved and they had tried to call me 3 times but my phone number was disconnected ( it definitely was not, I have had the same number since XX/XX/XXXX ). So we set up a new payment plan, I got a new confirmation number, I went through the terms and condition and they wanted me to pay the first installment. I had just paid an installment the week before, so he refunded the first payment and I paid another payment for this plan. He said it would reflect in 5-7 business days. I gave it 10 business days and my account still showed behind. So I called back. The person on the phone said the processing department was still working on it. I asked when I should call back and check, and he stated " If you are that worried about it you can call back and check on it, but it is processing the new payment plan ''. 4 days later, it still was not showing and so I called back. This person said that my new payment plan was not approved but they knew a way to make it happen. I got signed up for a new plan, went through the terms and conditions and got another confirmation number. My payment for this plan was not due until XX/XX/XXXX. 7 days later, it was now past my original due date, XX/XX/XXXX, and my payment showed past due. I called back and spoke to another woman who was incredibly rude so I asked to speak to a manager. The manager came on and I asked her to explain to me what was going on. She said that one I made that first payment of the new payment plan, it would " kick start '' and my account would go current. So I asked if I could go ahead and make the payment. So on XX/XX/XXXX, I made another payment to start my newest payment plan. She said I would get the terms and conditions in 3-4 business days and it would reflect on my account. I kept telling her I did not want this to go on my credit. She assured me it would not. I have checked my account since then, and it had never said current. It always said past due. On XX/XX/XXXX, I received a delinquent letter. I called on XX/XX/XXXX and I was told that the new payment plan did not go through, AGAIN. I asked to speak to a supervisor. This woman stated that it was a new type of loan ( even though they have had this loan for 2 years ) and there was no possible way for me to get a repayment plan or new terms. I asked for deferment for 9 months - 1 year, and all she said was are you able to make the payment to catch your loan up? I asked her why no one has tried to call and tell me any of this and why I had been told that I would have a new payment plan so many times and she just kept saying she apologized for the inconvenience. I have been promised 3 different times a new repayment plan. And now there could possibly be a delinquent report on my credit. All I wanted was to defer or lower my payments until my husband could work full time again. I am thoroughly disappointed in the unprofessionalism of this company.
Company Response: Closed with explanation

Timely Response

2019-03-05

Fort Pierce, FL

Took or threatened to take negative or legal action

Debt collection: Federal student loan debt

Collected or attempted to collect exempt funds
Complaint: XXXX graduated college XX/XX/XXXX. Two days later was assigned to his XXXX XXXX XXXX training. Since XX/XX/XXXX Sallie Mae has contacted only one of his co-signers, XXXX XXXX, grandmother several times a week by phone calls, emails letters. XXXX only co signed one of two loans that have doubled from The original amount. Yet they continue sending demand Payment letters for payment or ruin her credit. Take from her social security bank acct. that is all she has to live on. XXXX is XXXX years old living in assisted living. She has no extra funds. XXXX parents, my Husband and I were sufficient in his loan as co signers but they demanded a third co signer. This has practically killed XXXX myself my husband and XXXX XXXX. XXXX has dis owned my husband and I and her grandson over this fraudlike loan collection. XXXX first payment was not even due until XX/XX/XXXX. Yet talking to an XXXX year old, she believes we misled her into this mess. We had no idea Sallie mae is allowed to get away with hundreds of calls emails and lettters to turn our lives upside down. Costs us our livelihood of not able to run our business. And we have suffered immensely from it. Sallie mae has been contacted dozens of times to let the XXXX and XXXX do their part. To Stop contacting XXXX. I have power of attorney over XXXX. I sent that in sent in all my id as demanded in order for them to stop communication with XXXX. However that was a plot to get my drivers license. They have failed to commmnicate with XXXX. She received an 8 page demand lettter today! How many of our lives have to be destroyed and lost over this? When the XXXX and XXXX is handling it. Not late. Now it is in deferment til XX/XX/XXXX! Why are we harrassed?
Company Response: Closed with explanation

Timely Response

2019-03-05

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-05

Somers Point, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with monetary relief

Timely Response

2019-03-05

Gainesville, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-03-05

Hon, HI

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: On XX/XX/2019 at XXXX, I called Navient to discuss the future of my private loans. The current balance due is about {$5000.00} with a monthly repayment amount at {$810.00}. I was put on a previous repayment program as my ONLY option as all of my forbearance " chances '' were used up. As a recent graduate, I was expected to make student loan payments before I even got a job to pay for basic life necessities ( rent, food, gas, etc. ) Due to my financial state, I was immediately offered a forbearance opportunities to aid with the high monthly payments. Thus, interest rates went up while I had a hold on repaying loans for three month periods. Now, a repayment program is the only option available to me even though I have stated that the repayment monthly amount is still too high for me to cover. Repayment plan was put into action regardless of me voicing this concern and payments were missed. I received a letter in the mail stating that my account will go in to litigation review unless I make the account current. Today, I called Navient to explore other options for the repayment plan and if I could get on a new one. The Navient representative was able to get a lower interest rate and an amount of {$310.00} to be paid monthly. I agreed and wanted to schedule a payment for the middle or end of XXXX. Then, she transferred me to my account manager to discuss further details. My account manager, asked about my former program and why I missed the payments. I explained my financial hardship and how that program was the ONLY option given to me event though I stated I was not able to make those high monthly payments. I reiterated my intention of scheduling a payment for middle or end of XXXX, which was rejected. My account manager refused to put me another program until I was ready to make a payment today. In the efforts of clarification, I stated that I am calling to get on a program and to schedule my payment for mid or ending of XXXX. If I was not able to enroll in a program today, my account will continue to accrue outrageous interest and my case will go to litigation. His response was, " Yes. Yes you will get all of that because you haven't paid us. '' It is clear I haven't paid because I am unable to hence the current phone call. Upon the rejection of working out a repayment program, words were said that made me feel personally attacked. He stated, " It's not my fault you took loans out to get an education in a field where you can't get a job in '' and " What did you major in because your reverse psychology isn't working with me. '' I was accused of manipulating a system of entering in payment programs and not making payments so I wouldn't get the phone calls from Navient. I completely disagree with this statement as I have been very honest about my financial state and the repayment program set on THEIR terms and not my current income. Obviously, I was going no where in trying to sort this matter out with this particular guy. When I requested a different account manager, I was denied. I was told to call back when I can make a payment and that was it. I am left powerless and unable to change any of this when no one will work with me with a realistic plan. I want to make my payments. However, I can not make payments the same amount as my monthly rent. I need food, shelter, and water. Unfortunately, those things come first before surrendering money to unrealistic circumstances. The government shut down was something that affected EVERYONE regardless if they were a government worker or not. Although credit card companies acknowledge these affects, it was stated that Navient doesn't unless the borrower was a government employee themselves. Again, the government shutdown affected everyone. After doing much research about Navient, their customer service tactics, and loan servicing it has come clear to me that they truly are financial terrorists. I need help. 9 out of 10 college graduates need help. We need logical payment options that do not leave us homeless or have us paying debt until we are 70 years old. As a college graduate, I shouldn't feel ashamed because I got an eduction. With companies like this, we are teaching our next generation that college is a death sentence.
Company Response: Closed with explanation

Timely Response

2019-03-05

Rosenhayn, NJ

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

Timely Response

2019-03-05

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

2019-03-05

Deer Park, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2019-03-05

Meridian, AR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Reached out to the company concerning my loans and the only thing they want to do is continue to put my loan in forbearance so therefore these loans are still having interest added and there are several loans instead of one loan one interest rate
Company Response: Closed with explanation

Timely Response

2019-03-05

Kenhorst, PA

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

2019-03-05

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2019-03-05

Ashville, OH

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-03-04

Foothill Ranch, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: After XXXX school, I could not afford my student loan payments. Several times between XXXX and XXXX, I contacted my loan provider navient for relief. Despite informing them of my employment in public service as a XXXX XXXX, navient never informed me of income based repayment or forgiveness. Instead I was told forbearance was the only option. I was a single mother. My $ XXXX in loans have grown to over $ XXXX as a result of deferments that were presented to me as my only option. Despite having been employed as a XXXX XXXX for 14 years, and having made payments for over ten years, I still owe over $ XXXX in student loan debt. I cant even save for college for my XXXX children because I am still strapped with so much of my own student debt.
Company Response: Closed with explanation

Timely Response

2019-03-04

Nyc, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: Hello. My story is sad but true. It's like millions of others, I'm sure but still no less sad because it is my own issue. My own life 's issue. I am an XXXX and I pursued my dream of being an XXXX when I went to college, XXXX University, and then was accepted into the prestigious XXXX XXXX XXXX XXXX XXXX Graduate XXXX Program at XXXX. It was a great program and one where students were afforded many professional opportunities that many XXXX who hadn't gone to school didn't receive. I had received {$40000.00} in scholarship money to attend XXXX and I borrowed another {$40000.00} to pay for living expenses and the tuition difference for the next three years. In addition to the {$10000.00} I had taken out for XXXX study from XXXX, in XXXX I was {$50000.00} in debt with principal at 8.25 % interest. I also had taken out a Perkins loan for {$2500.00} that I had paid off within five years of graduation. After graduating XXXX, I worked in theater steadily for the next three years. My salary at $ XXXX week wasn't tremendous but I was a working XXXX! After the 6 month grace period however my loan servicer, then Sallie Mae, told me I would owe $ XXXXmonth on top of my rent and bills but if that would be a problem they said I could defer payments for upto 2 years or I could " forbear '' payments, essentially stopping payments, basically so I would not have to worry about payments. As the years went by I had to keep forbearing or deferring payments. My loans were bought and sold as so much trash by XXXX, Navient, Sallie Mae, and finally Navient again. I'm sure there were other servicers who bought the loans but I can not rememember all of them. They seemed to change each or every other year. I would constantly ask for statements at the end of the deferrment period to see how much interest was 'capitalized ' to the principal but most of the servicer 's employees were from XXXX and either they didn't understand what I meant when I said, " Please send me a paper statement when the loan is about to start repayment so I can see how much interest has accrued '' or they just disregarded it as unimportant. It was probably the latter as I'm sure many of us asked for statements but because the loans had switched hands so much the servicers only needed to get permission to defer or forbear payments and then forget about the rest of the service call. Their bank was getting what they wanted. People whose initial principal wasn't enormous, although owing {$50000.00} is pretty enormous would see the balance balloon to enormous sums because we weren't being kept aware of how the principal kept growing. The agents were always so understanding and supportive on the call about giving out more deferment or forbearance time because we needed help. Outside of paying my rent on a New York rent stabilized apt , borrowing for school has been my only borrowing experience. Fast forward to some years later when I was in a long running play, or on tour and I would have a modest steady income and I would try and knock off some of the principal but the interest alone now was over {$1000.00} so I asked about repayment options. I was put on income sensitive plans or income contingent plans and had some years where I was able to pay some of the loan 's interest back but unfortunately those plan were not the 'right income sensitive ' plan to qualify for payments towards loan forgiveness. Once again, misleading information that is only found out years later when the issue is too big now to be ignored and I'm trying to figure out a way out of this mess. As it stands right now I have about two, maybe three years towards loan forgiveness. My principal is now {$90000.00}! I am in the " REPAYE '' plan which I need to reapply for each year. This year my payment was $ XXXX month based on my expenses and income from the previous year however I'm still not paying anything toward taking down the principal so the interest gets added to the amount and the amount keeps growing. I'm XXXX years old. Still an XXXX. I make around XXXX/year between XXXX work, side gigs like XXXX, and unemployment but it changes every year and I don't receive a weekly check like a banker. I get paid for something then I have to stretch that money out to pay health insurance/medical costs, union dues, not to mention rent, bills and the occasional piece of pizza. I live in XXXX which is very expensive. I have under {$10000.00} in retirement savings and with streaming media taking away a lot of union work XXXX in commercials things have been getting worse and worse in the last 5 years. Producers and ad agencies don't care about XXXX. There aren't government regs to restrict this from happening and our union is virtually a non factor in protecting our livliehood. I yearn for a night when I can sleep through without waking up in an anxious sweat. I have this {$90000.00} debt hanging over my head with no real possibility to pay it off in my lifetime. I'm wondering how I could have let this happen but more importantly, I'm wondering why there aren't any regulations in place to protect borrowers from this sort of practice. The 'ever polite and supportive bank who says, " You can have another forbearance, no problem ''. Additionally, had I been told about the " proper '' repayment plan to be on years ago, I would have a few more years invested in the loan forgiveness program and I would not be staring down this dark tunnel. Had their practices been less predatory in a 'folksy kind of way ' but instead 'transparent in an honest way ', I would not be 25 years out of graduate school looking at double the amount I borrowed with not very good prospects to pay it all off.
Company Response: Closed with explanation

Timely Response

2019-03-04

Dacono, CO

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

2019-03-04

Olympia, WA

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

2019-03-04

Anaheim, CA

Struggling to repay your loan

Student loan: Private student loan

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

Timely Response

2019-03-04

Austin, TX

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-03-04

Staten Island, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2019-03-04

Struggling to repay your loan

Student loan: Private student loan

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

Timely Response

2019-03-04

Atlanta, GA

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: The issue started on XX/XX/19. I received a letter stating that my loan would be going into litigation because of the delinquency. Prior to this letter I had explained to Navient that I could not afford the {$560.00} a month payments. I begged them for lower payment options that I could afford. They only offered me the option of forbearance payments until I could no longer make them on the account. I was so afraid of my wages be garnished I sent in all of the required documentation to have the payments lowered to {$350.00} a month for one loan! I was told by the rep who was helping during the process that submitting all these documents would help get the loan reduced because I would be left with very little cushion for the month ; he lied. I literally have only a {$120.00} left per month after all expenses are paid.I have no money available in case of a financial emergency. I have no money saved because I basically live paycheck to paycheck. I have inquired for so long about lower payment options and I have gotten no assistance in the matter. I can not afford to make these payments for very long. The interest rate is outrageous. I originally borrowed {$18000.00} and I now have to payback {$45000.00}. I need help please. Navient has been of no assistance and I can not continue to make such large payments for that one loan when I have several others that I will have to start repayment for soon.
Company Response: Closed with explanation

Timely Response

2019-03-04

MI

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened or suggested your credit would be damaged
Complaint: The company involved ( Navient ) has repeatedly called, my work phone, home phone and cell phone regarding a private student loan that I may have co-signed for, however the private student loans have reached the Michigan statute of limitations. The loan periods originated in XXXX through XXXX and have been accruing interest and is now over {$100000.00}. They are reporting these on my credit report which is damaging my credit score. They have threatened to report the loans in default and attempt further collection actions on these old debts. I have never had any communication directly with this creditor. Additionally, the primary borrower and myself has previously filed for bankruptcy protection and as we understand, these debts should have been closed and removed from record.
Company Response: Closed with explanation

Timely Response