Navient Solutions, LLC.

2019-02-20

Seneca, SC

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-02-20

Lenzburg, IL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: In 1998 I took out a Parent loan with lender Sallie Mae. Sallie Mae consolidated my loan and sold it to Navient. My loan went from {$190000.00} to {$38000.00} ( including payments made over the years. I am now a senior citizen turning XXXX years old this year. They want me to sign a new agreement whereby my terms are to reduced to $ XXXX/month for the next 25 years. HOW CAN THAT BE OKAY WHEN THAT ADDITIONAL {$200.00} MAY BE THE DIFFERENCE IN KEEPING A ROOF OVER MY HEAD, BUYING FOOD OR PAYING UTILITY BILL IF I LIVE THAT LONG. Is this legal to double my original loan to have me pay forever? I NEED HELP PLEASE. My husband has survived XXXX and monthly medicine is still needed to sustain his life ( he had XXXX XXXX ). I am XXXX and have XXXX and monthly XXXX and other meds total {$180.00} monthly. We still owe on our home and are living just with essential daily needs due to all the medical bills and life. I don't understand how a loan that started as government Parent Loan can be sold and double. This type of practice can wipe a regular person out.
Company Response: Closed with explanation

Timely Response

2019-02-20

Portland, OR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I stop trying to get information about my loans from Navient who was Sallie Mae before. I took a break from school and was paying my loans down. I got them down to around {$10000.00} dollars about before I decided to go back to school. Then during my time back at school my loan total shot up to {$58000.00} about, but it only cost me around {$25000.00} to finish back up. Roughly was thinking around {$35000.00} in debt to pay back when it's all said in done, but {$58000.00} I couldn't wrap my head around. Tried for 6 to 8 months to get information on how this number got so outrageously high in 2 years I was in school ; however, they would never tell me. I just want actual evidence of how this got to be so high, that seems rather highway robbery to rack up {$23000.00} in interest while in school. Then I'm seeing all these lawsuits against Sallie Mae and Navient which all of my loans are from. Just want to make sure everything is correct ; however, I can not get anywhere. Feels like something really shady since I can not get answers or metrics on how this happened while I was in school full-time. Aren't these loans suppose to freeze whilst in school. {$25000.00} to go back to school, and rack up about {$23000.00} in interest from {$10000.00} that I paid down to. It's very odd, and I would love answers. Thanks for your time, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-02-20

Tucson, AZ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have/had all my student loans through Sallie Mae then later on became NAVIENT. I called and told the lender ( NAVENT ) that I was unemployed. I asked them several times to put my loans in deferment/Forbearance but NAVIENT chose not to do it. NAVIENT claims they sent me information which I did NOT received none. NAVIENT defaulted my loans and sold them so they could get pay. I have tried to solve this problem directly with NAVIENT, the department of education Ombudsman Group without success. Despite the fact the Ombudsman Group claims to be an advocate and they help the borrower find a resolution, the Ombudsman Group took sides with NAVIENT and requested to speak with a supervisor since nothing was being done. I was assured my loans will be put on deferment and/or Forbearance since I was XXXX. Later on I found out my student loans were NEVER put of deferment/Forbearance but defaulted instead. My credit has been damaged and impacted severely, I can not even get candy on a loan. I need help resolving NAVIENT 'S negligence and failure to put my loans on deferment and/or forbearance status. I can not even consolidate the loans because they were defaulted and my credit score has been ruined. Please HELP
Company Response: Closed with explanation

Timely Response

2019-02-20

Struggling to repay your loan

Student loan: Private student loan

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

Timely Response

2019-02-20

CO

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: XXXX and XXXX are reporting incorrectly that I am 120 days past due on a loan with the DPT ED/NAV - XXXX partial account number XXXX and XXXX partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Company Response: Closed with explanation

Timely Response

2019-02-20

Houston, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Navient 's website now forces borrowers to pay a month in advance ( payments that are not even yet due ) before it will allow them to make a payment on a past due amount - even if only past due by 1 day. This happened to me in XX/XX/XXXX and XX/XX/XXXX. Each month, I logged in to make my payment and was confronted with a screen saying I had a past due amount, but that in order to pay it, I also had to pay the NEXT month 's amount due as well. No option is given to simply pay the past due amount. An amount that was past due by one day in each month. This is a deceptive trade practice, and Navient should correct the issue immediately. Customer service representative on XX/XX/XXXX told me there is nothing they can do about it, but agreed that " it's dumb. ''
Company Response: Closed with explanation

Timely Response

2019-02-20

Oxford, GA

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, XXXX, and XXXX )
Company Response: Closed with explanation

Timely Response

2019-02-20

Houston, TX

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-02-20

Round Top, TX

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

2019-02-20

Charter Oak, CA

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

2019-02-20

Oxford, GA

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX XXXX XXXX XXXX consolidated my student loans In XX/XX/XXXX. Navient sold account ( s ) were sold to XXXX XXXX XXXX. Ive been paying between $ XXXX- $ XXXX monthly since XX/XX/XXXX and Navient has reported me late 30-180 days multiple times since XX/XX/XXXX. Im disputing this. ( XXXX XXXX XXXX ) Lack of PaymentsI paid them monthly over a period of 5 years at a rate ranging from $ XXXX- {$49.00}. These payments totaled to Approximately $ 4500+. It was my understanding that the payments I was making was going toward my student loan Repayments and Interest. As a result I accrued an additional interest of {$5000.00} + and 4 plus years of Extreme Negative Credit Reporting ( 90-180 days past due and more ) My credit has suffered SEVERELY and as a result I am unable to apply for loans, and purchase a home etc. XX/XX/XXXX We are approaching the deadline to renew your repayment plan for year two. Each year we must reapply for the correct repayment plan in order to ensure that we are making your monthly student loan payments as affordable as possible. In order for us to do this effectively, we need some information from you : most recent tax return, your two most recent paystubs, drivers license ( if you have changed your name ), and family size. Providing us with this information in a timely manner will insure that we are able to submit your application to the correct repayment program on time. If we do not receive this information, it will result in your repayment program defaulting to a standard 10 year plan. This could increase your payment drastically as you will be expected to pay your full loan balance within the next ten years. If you don't want your payments to increase please submit your updated information as soon as possible. We look forward to managing your loans in year two using our expertise to keep your payment as low as possible. Please contact us as soon as possible at XXXX so that we may answer any questions that you may have. Best Regards, XXXX XXXX XXXX XXXX P : XXXX F : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX I need this months payment on the XXXX postponed and I need to speak with you about where my payments have gone to over the past 5 Years. A formal document Sent from my XXXX ( my response to the email sent to me, which never received a response or a formal letter sent telling me where my money has/was being applied to. ) On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX <XXXX> wrote : Valued XXXX Customer , XXXX is reaching out to you today in order to obtain your income verification to complete your Student Loan Consolidation. If you have already sent your income in it was either not legible, outdated or a form we cant except. There are several options you may submit for your income verification. If you are a W2 employee you may submit 2 current pay stubs ( 30 days or less ) or your tax returns to proceed. W2 's will not be accepted by the servicers. If you are self-employed or unemployed you can write a letter stating your status, full name, address, phone number, birth date, social security number and a live signature ( with Ink ). If you are self-employed include the annual gross income in your letter. If you collect Disability or social security please submit your SSI awards letter or you Letter of Disability. It is very important that you get your income verification to XXXX immediately as this will hold up the program placement phase of the process. This portion of the process solidifies the new consolidated payment for the new 12 months. The program placement phase is the final step of the process. You can email your verification to XXXX or fax the necessary documents to XXXX. You will get an email confirmation once received and reviewed. If you have any questions respond to this email or give XXXX a call at XXXX. If you have already sent your income verification there is a chance the documentation is not legible, incomplete, too old, etc ...
Company Response: Closed with explanation

Timely Response

2019-02-20

Eastborough, KS

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

2019-02-20

Tulsa, OK

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-02-20

Bronx, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: My monthly plan is automatically debited from my bank account every month with an agreed upon payment of XXXX. This month they charged me XXXX with no prior notice, no explanation of why my monthly payment was raised and still claim I am past due. This over charge put me in the negative with my bank which activated an negative balance charge.
Company Response: Closed with explanation

Timely Response

2019-02-20

IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: XX/XX/XXXX I had a payment due with Navient and autopay was setup on wrong account. I was charged a NSF of {$0.00}. I paid this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I called too many times to count. Calls are r ecorded also. I will never be able to pay off {$0.00} unless I pay entire balance and payments are not able to allocated to this {$0.00} only if What several reps over 5 months have told me. I also on income based repayment plan of {$0.00} but still have to pay {$0.00} each month. Navient is stealing money since no customer are able to get correct information and uncomfortably long wait times that you feel you should apply for a position with them since you have to put aside at least 3 hours for any situation.
Company Response: Closed with monetary relief

Timely Response

2019-02-20

Bo Verdum, PR

Communication tactics

Debt collection: Federal student loan debt

Frequent or repeated calls
Complaint: I have a debt with Navient Dept. of Education because I had a deferment and I divorced an moved to a different part in PR. During that period they use Debt collectors to find me. XXXX XXXX has now my account but they give it to XXXX. XXXX is asking me to make 9 payments of {$5.00}. They asked me for information that I am not willing to give since I am able to pay monthly to Navient. I asked them to please return my account to Navient or XXXX XXXX so I can start making my monthly payments but they refuse. I even tried to tell them that I can pay the {$45.00} dollars in one payment to make this fast and they refused. I am able to make the monthly payments to Navient again ... I don't like people asking me and harassing me with calls if I don't agree with them with a reason and it should be another company ( XXXX XXXX ) the one contacting me.
Company Response: Closed with explanation

Timely Response

2019-02-19

Hamburg, NY

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Complaint: I have been going back and forth with Navient, as well as a dirty tactic collection firm named XXXX and XXXX, as per the XXXX XXXX Courts reps I have spoken to. I currently have XXXX private student loans showing on a record pulled by my credit union that are showing as court based judgements, even though I have worked with Navient to get these corrected. I spoke to a rep in their executive services office who worked with me to get them out of the judgement/collection, supposedly out of the office of XXXX and XXXX and off my records. I was illegally garnished for almost 2 years and this was lifted based on Navient FINALLY pulling it. Once pulled, they told me they would be off my record, back in their office and out of XXXX and XXXX, which none of these things have happened. I still have them on my records, have been unable to defend loans which ARE NOT mine and they are still illegally listing them under judgements, which they said would be lifted. I was never served papers in order to defend myself, never given my day in court to force them to prove they are all mine ( Which most are not ) and Navient has failed to live up to promise after promise to fulfil what they said they would. They consistently state " Under court terms '' and throw these complaints out, which is unfair to me. If they are not pushed to follow their own terms, I will be forced to join some class action lawsuit against them for their lying practices, when all I want are these off my records. These are causing me to be unable to buy my mothers home, which was offered to me and are causing me irrefutable damage.
Company Response: Closed with explanation

Timely Response

2019-02-19

GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have two consolidated student loans. Both with Sallie Mae now Navient.During the XX/XX/2009 Georgia XXXX furloughs, I was advised by Sallie Mae to sign up for Forbearnace. I have XXXX in a XXXX XXXX for over fourteen years. I have been denied for the XXXX Loan Forgiveness program 2 times. I have never missed nor been late on one payment in fifteen years.
Company Response: Closed with explanation

Timely Response

2019-02-19

Chandler, AZ

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: I have a loan with DPT ED/NAVI and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, DPT ED/NAVI and XXXX XXXX with no successful resolution. XXXX ajnd XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation

Timely Response

2019-02-19

Graham, NC

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-02-19

Plymouth, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: Threatening to put me in jail, some fantom company posing as the US government, the phone number is XXXX thanks.
Company Response: Closed with explanation

Timely Response

2019-02-19

MI

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: On XX/XX/19 I received calls at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX. No messages left at all. On XX/XX/19 I received calls at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. No messages left
Company Response: Closed with explanation

Timely Response

2019-02-19

Hamburg, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I began borrowing during the recession and somehow the interest rates associated with my federal loans ( 6.75 % ) are higher than my current private student loans, which have a much larger balance. Why is the government allowed to charge higher rates than private, for-profit institutions? Why isnt any benefit given to individuals who have successfully managed their credit after college? Additionally, my sisters went to school in the decade before me and somehow managed to snag interest rates of only 3-4 %. This feels like an additional tax punishing people for not having the means to pay for college, but attempting to make a better life for themselves. This is further proven by the fact that a maximum of only {$2500.00} of interest is deductible annually with a fairly low AGI phaseout and ZERO consideration of how much income is actually contributed towards making on time payments to student lenders. After all of this I'm not even going to be eligible for loan forgiveness because my loans are estimated to be paid off by XXXX ( started repayment in XXXX ) even with this insanely inflated interest rate. It feels like Im being held to a higher standard, and am continuing to pay for other peoples loan forgiveness eligibility ( public service, disability, etc ). Additionally, the amounts of subsidized vs. unsubsidized balances were determined including my parents ' income information, but nothing was reconsidered after releasing them as co-signers at consolidation. Why are independent adults being punished for wanting to be fiscally responsible without having to rely on/burden their parents with these large debt amounts? I have no problem paying back funds borrowed for my education, but the higher education landscape has changed significantly since that time. Tuition rates were still on the rise, whereas now some institutions have reduced tuition to pre-recession rates. Interest rates have dropped significantly since that time and instead of Congress re-adjusting accordingly, they continued to burden and capitalize interest at a rate preferential to providing income for the government, rather than what may be in the best interest of the borrower. The NYS Excelsior scholarship ( https : //www.hesc.ny.gov/pay-for-college/financial-aid/types-of-financial-aid/nys-grants-scholarships-awards/the-excelsior-scholarship.html ) did not exist, which would have influenced my decision for school choice, and would have reduced the overall balance that was needed in loan money. Finally, the overall balance is negatively impacting my ability to qualify for other financial vehicles that has the potential to advance my overall/long term wealth and life ( i.e. - mortgages, XXXX credit card for future children/neices/nephews education, marriage, further debt consolidation, etc ). This is a serious problem for me. I was completely unaware at the time of applying for financial aid my freshman year that a formal appeal process was possible. Despite my father losing his job when I was a junior in college, I was only offered a {$400.00} grant from the private educational institution I attended. I get that funds were limited at that time due to many people being impacted. However, I somehow ended up with over 6 figures in debt - despite reducing the amount privately borrowed on an annual basis, finishing my undergraduate degree a year early, obtaining a merit scholarship to cover half of my tuition for my undergrad, living off campus during my XXXX, and working 30-40 hours/week the entire time I was in college while maintaining a 3.5+ GPA for my undergrad/graduate degrees. I always continued to apply for and obtained private scholarships to assist with the cost of books at that time. I never used my funds for anything other than school/living expenses. Ive done everything since then to figure out how to get out from under this sea of debt that I am drowning in, and didnt know any better to prevent/minimize the impact at the age of XXXX because my parents never obtained college degrees. I still continue to look for possible solutions, but to no avail. Ive applied for multiple federal jobs for Public Student Loan Forgiveness ( PSLF ). Im not eligible for forgiveness based on the years I went to school through New York State ( https : //www.hesc.ny.gov/repay-your-loans/repayment-options-assistance/loan-forgiveness-cancellation-and-discharge.html ).
Company Response: Closed with explanation

Timely Response

2019-02-19

Spring Hill, FL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Hi, I'm going through a massive hardship right now with my health, and I have been trying to settle my debt owed to Navient. I have raised {$10000.00} by selling items and cashing out my 401K and have offered this to Navient as a settlement payoff and they refuse to accept it as a payoff. It's only {$600.00} off of what I owe. My health is not good and the stress is causing me further health issues. I had two co-signers with this loan originally and to date one is dead and the other is XXXX, so I'm it. Navient remains very hostile and sets roadblocks in the way of paying off this debt. They keep claiming I have two co-signers that they will go after when I don't have any. Again, one is dead, and the other is XXXX XXXX with no assets. I have never been late on a payment before and was always on time. Navient is simply one of the worst predatory companies I have ever dealt with. Any assistance the CFPB could provide with resolving this matter will be most helpful.
Company Response: Closed with explanation

Timely Response