Navient Solutions, LLC.

2019-02-17

Southern Pnes, NC

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

2019-02-17

Concord, NH

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2019-02-17

Oxford, GA

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive notice of right to dispute
Complaint: XX/XX/2018 amount of {$5400.00} XX/XX/2018 {$7400.00} XX/XX/2018 {$4100.00} placed on credit report and affecting my ability to refinance home as well as get my credit together.
Company Response: Closed with explanation

Timely Response

2019-02-17

Belle Haven, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: 1. Voluntarily increased monthly payment by $ XXXXmonth. Requested to go back to original amount and Navient denied it. 2. De-authorized bank that payments were being drafted from and Navient drafted the {$320.00} payment anyway. 3. The Navient website states that you can stop automatic payments, but you can not. 4. The amount of interest paid on the original principal is more than sufficient to cover the loan and therefor the loan should be forgiven.
Company Response: Closed with explanation

Timely Response

2019-02-16

Seneca, SC

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Re Loans : XXXX XXXX, XXXX XX/XX/2019 XXXX XXXX, Co-signer, Navient Account # XXXX Loan Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Navient has sent negative reports to the major credit reporting agencies stating that we are behind in the above Navient loans. My credit score dropped XXXX points because of their error. I am a co-signer with my son on his school loans. Navient claims my son hasnt made payments since XXXX. These are AUTOMATIC withdrawals. They were withdrawn in XXXX, XXXX, and XXXX, applied to these loans, and suddenly, in XXXX, Navient claims they haven't been made. My son has bank statements from XXXX XXXX showing that Navient received these payments. We are in the process of sending these reports to Navient. Apparently these funds have now been applied to the Federal Loans that XXXX has ( those loans without my signature. ) If so, this was done without our authorization or approval. By doing this, the loans I signed for ( all shown above ) have gone UNPAID, causing Navient to send negative reports on my credit. This is unprofessional if not illegal and they should be held accountable for hurting customers in this way. I know these payments were made on the loans I signed for, but Navient says they were not. While this would never happen at Navient, whoever diverted these funds should be held accountable because it ruined my credit as well as my sons. Thank you for any help. XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-02-16

San Antonio, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Was told on previous correspondance I was approved for income based repayment. Then asked to complete an app again. They then asked for pay stubs despite certifying through IRs and my last tax return, and I complied. After completing the second application I was told I was approved and had to pay a new amount eventhough salary had not changed last year. Then I got correspondance today saying my app that was electronically filed is missing a signature. And they are also asking for pay stubs again. Eventhough I was approved and told to pay the new amount in XX/XX/2019.
Company Response: Closed with explanation

Timely Response

2019-02-16

Newnan, GA

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: I am a co-signer on a loan that my daughter took out while in XXXX school. I am receiving excessive calls from Navient, the company handling the payments. When Navient calls, the caller ID on my phone says " Incoming Call '' and the calls are generally 2 to 4 seconds in duration, several times a day. The calls generally start around XXXX XXXX and continue throughout the day until almost XXXX XXXX. In a 14-day period from XX/XX/2019 to XX/XX/2019, I have received 41 such calls most lasting less than 4 seconds, which unless I have the phone in my hand is impossible to answer. And even when the phone is close enough for me to attempt to answer, the caller hangs up before I can even say hello. These calls are not meant to be answered but are meant to harass. Attempting to answer my phone is especially difficult for me because I am a senior citizen recovering from XXXX XXXX. With my XXXX XXXX these constant calls are nerve-racking and harassing. I realize that Navient is attempting to collect a debt however they should not be able to call and not be on the line when the call is answered. While these calls do not show up on my caller ID, I am able to retrieve my call history from my phone provider, XXXX. On XX/XX/2019 over a 7-hour period from XXXX XXXX until XXXX XXXX I received 7 such calls over a 7 hour period : XXXX XXXX - 3 seconds XXXX XXXX - 3 seconds XXXX XXXX - 2 seconds XXXX XXXX - 3 seconds XXXX XXXX - 4 seconds XXXX XXXX - 3 seconds XXXX XXXX - 3 seconds
Company Response: Closed with explanation

Timely Response

2019-02-16

South Florida, FL

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: XX/XX/2019 I called Navient about options available to me for postponing or lowering my bill. The due amount came to a total of XXXX for that month. The loan total owed in its entirety comes to XXXX. I let them know that my mother and I are both recently unemployed. They searched for options and said I had exhausted all forbearance 's and deferments of any kind. I asked about lowering my payments and they let me know there was nothing they could do to lower my payments as they were already as low as they could make them. There was a series of three calls made that day made in attempt to hopefully find some sort of person that might be able to help, and the answer always ended the sameway. This is the amount I owe and there is nothing we can do to change that at this time. I stressed the dire nature letting them know that there was no possible way for me to make a payment in my current condition and no options were made available. XX/XX/2019 I checked my balance and it shows I missed a payment. I had not been contacted about options they might have discovered or changes since my previous inquiry. I really wanted to find some sort of solution through them but in the end I was trapped in a position where the company provided no relief no matter what I did to try to make it right.
Company Response: Closed with explanation

Timely Response

2019-02-16

Roseland, CA

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

2019-02-16

Bentley, MI

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

2019-02-16

WV

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My Sallie Mae loan was transferred to Navient which they have the right to do so. After exhausting all deferments I had to start paying on my student loans. On XX/XX/2012, I began working for a nonprofit and asked for the PSLE and kept being told it was not an option so I was paying 75 % of my income to this loan. I kept getting calls and do to language barriers, their representatives were not entering my correct banking information to set up my automatic payment withdrawals. I gave them the banking information and the the telephone number and was told this would be taken care of. After 4 missed payments, not my fault, this hit my credit. I have asked for them to be removed and was denied. I also found out they were deceptive in the fact that that since I did work for a XXXX, I did qualify for the PSLE and transferred my loan to XXXX XXXX and have had no other issues. Their deceptive tactics need to be addressed.
Company Response: Closed with explanation

Timely Response

2019-02-16

Mid City West, PA

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

2019-02-16

Calumet City, IL

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

2019-02-16

Brant Lake, NY

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Company Response: Closed with explanation

Timely Response

2019-02-16

Hghlnds Ranch, CO

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

2019-02-16

New Britain, CT

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: On XX/XX/19 I am still enrolled in school and Sallie Mae wants me to pay for my loan and has attempted to collect money while I am still a student
Company Response: Closed with explanation

Timely Response

2019-02-16

San Antonio, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: My student loan servicer, NAVIENT has : Misallocated payments Steered me toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.
Company Response: Closed with explanation

Timely Response

2019-02-16

Somers Point, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I am eligible for student loan forgiveness because I am a XXXX XXXX XXXX working in an impoverished school district. However, I keep getting denied.
Company Response: Closed with explanation

Timely Response

2019-02-16

Indianapolis, IN

Incorrect information on your report

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

Account status incorrect
Complaint: Dear Navient, This is not a duplicate do not mark it as such, this is a complaint on your buthering of my credit reports. In response to CFPB Complaint XXXX The payment history for the accounts listed in the dispute are not and were not accurate. You word means nothing Navient. Among other things, the CFPB alleges that since at least XX/XX/2010, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts.
Company Response: Closed with explanation

Timely Response

2019-02-16

Oak Grove, MO

Problem with fraud alerts or security freezes

Student loan: Federal student loan servicing

Complaint: I was a student of XXXX College of XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When I was recruited they told me I can apply even if I didn't not have my XXXX XXXX Diploma or XXXX. I told the recruiter I felt uncomfortable but he assured me that the have a program in which I can work on getting it, as I got my XXXX diploma. I agreed and started my new life. A few months go by and I ask about my GED classes, I was told they didn't have XXXX classes and there was an investigation into my recruiter. The next week 10 to 15 people had to take the XXXX test with out any prep, or knowledge. I passed but soon quit as I felt the collage was not right and my diploma would be worthless. I had to pay XXXX down and XXXX in loans, also used XXXX in Grants in which I have unused funds left over. I was unable to transfer, or get any info about what I should do. I did not have the internet back then and was unaware of my options. I was told I could spend another XXXX and try again. This has cost me credit scores, interest paid, tax returns being taken from me and my kids. I paid the loans off in XX/XX/XXXX. If you know of how I go about seeing if I could recoup my money in loans, and reset my grants. My number is XXXX.
Company Response: Closed with explanation

Timely Response

2019-02-16

Grand View, ID

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: department of education navient said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX combat veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.
Company Response: Closed with explanation

Timely Response

2019-02-15

Vernon Hill, VA

Communication tactics

Debt collection: Federal student loan debt

Frequent or repeated calls
Complaint: Over a period of months they've contacted my neighbors, my siblings, my sister-in-law 's parents, and engaged in harassing phone calls when they know how to reach one of my parents and myself. The purpose is harassment. Having learned the nature and background of this loan service provider who bought my loan supposedly from XXXX XXXX, I refuse to deal with them. They've repeatedly violated federal and state Fair Debt Collection Practices, and engaged in profane, abusive and harassing patterns of conduct. I do NOT trust their reputation given their proclivity for fraud to enter or sustain any contractual relationship with them nor repay loans with them as the student loan service provider of record, and I request injunctive relief from the U.S. federal government, including but NOT limited to forcing their resell of my student loan to another service provider. I would prefer to have my loan resold to another loan service provider. I will NOT voluntarily enter into a contractual refinancing of my student loan with Navient given their reputation and the present allegations made against them by the CFPB and the Attorney Generals of several states from Pennsylvania to Washington State.
Company Response: Closed with explanation

Timely Response

2019-02-15

Magnolia, TX

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: XX/XX/XXXX I graduated from from XXXX XXXX College in XXXX, XXXX not knowing their accreditation was in jeopardy and the school overcharged my loans for payment. I then was contacted by a lawyer because other students was suing XXXX XXXX for being overcharged, accreditation issues, and everyone was having problems with gaining employment when they promised to give students assistance with job counselor for employment but never gained employment! Then the school got closed down immediately after I graduated. I was supposed to receive loan forgiveness because the school got closed down and they got sued from XXXX Attorney General. Navient denied me forgiveness & demanded I payed even though I still was in hardship due to employment. I ended up in default and my credit was destroyed and eventually I got garnishment when I did start working. The situation caused me to be lose my house and car! I was then XXXX with my XXXX kids! Im just now getting out of default and school loan amount went from XXXX to XXXX. I've been trying contact XXXX Attorney General about the lawsuit because this situation ruined my life and hopes and dreams. The Attorney supposedly sued on behalf of students that from this school and won the lawsuit. Since the lawsuit back in XXXX I have relocated to live with my mother in XXXX with my kids! I've been trying to get help with my situation because the school got closed and was sued!
Company Response: Closed with explanation

Timely Response

2019-02-15

Scottsdale, AZ

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened or suggested your credit would be damaged
Complaint: Navient systematically fails to process Co-Borrower Release applications for private student loans. Leaving the co-borrower who received no benefit from the private student loan and received no information regarding the amount to be borrowed, the essential terms of the contract, or any information regarding their permanent and unrelenting personal liability to be released as a co-borrower. Navient has arbitrary and undisclosed policies regarding how to handle Co-borrower release applications, if they are denied and the co-borrower requests an alternative solution, Navient assigns the co-borrower a " Consumer Advocate '' who is not a neutral party nor has any discretion or authority to actually advocate for the consumer. The only option this Consumer Advocate can provide is a Co-Borrower Waiver - wherein the co-borrower is required to pay Navient to be released from further liability ; however the amount of the waiver is equal to the principal amount of the student loan. This is obviously not a meaningful or financially viable remedy and is specifically intended to prevent Co-Borrowers from being released, frustrate the process, and force Co-Borrowers into bankruptcy. Navient is a debt collector, who is assigned to collect a debt for a third party but systematically and intentionally fails to convey offers to the owner/lender/original creditor regarding Co-Borrower Release Applications or Waivers. This process is unethical and illegal because Navient has no authority to conduct business in this matter, routinely fails to mitigate damages, and enforces contracts wherein the Co-Borrower was fraudulently induced to accept the terms that were nebulous at best.
Company Response: Closed with explanation

Timely Response

2019-02-15

Galena, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I am working towards Public Service Loan Forgiveness ( PSLF ). I have been employed full time by a XXXX XXXX since XXXX. When I first got into my repayment plan in XXXX, I told Navient representatives that I would be working towards PSLF. I was enrolled in an income based repayment plan at that time and over the next several years I was assured multiple times that I was on track to have my loans forgiven after the 120 payments were received. In XXXX, half of my federal loans were transferred to XXXX. I didn't even realize that they had only taken half of my loans because I still had several private loans being managed by Navient. In XXXX, I called XXXX to question why they had only taken half of my loans. I was informed that half of my federal loans were direct loans and half of them were FFEL ( the wrong kind of loan for PSLF ). Nobody had ever informed me of this. I was able to simply consolidate my FFEL loans and start working towards PSLF on those loans. So now, half of my federal loans are on track to be forgiven in XXXX and the other half won't be forgiven until XXXX. This is despite working full time, for a government agency, making on time payments the entire time. That is 4 years of interest and payments that I can't afford to make.
Company Response: Closed with explanation

Timely Response