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 120
2019-02-15
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have my student loans through Sallie Mae/Navient. I work in a high needs district and after working 5 years requested a loan forgiveness which they denied. They told me my loan I was requesting to be forgiven was consolidated with one that was taken out before XXXX making it ineligible. I never requested a consolidation as I knew I would be requesting the load to be forgiven. They automatically consolidated it when I applied for a 2nd load to get my masters. I asked for documentation to show this and all they sent me was a single page with an electronic signature in my maiden name when at the time I took out the loan I was married. I have been paying on these loans since XXXX and still owe the amount practically the amount originally borrowed for my education. I've paid roughly 500.00 a month for 20 years.
Company Response: Closed with explanation
2019-02-15
Marrero, LA
Incorrect information on your report
Student loan: Private student loan
Account status incorrect
Company Response: Closed with explanation
2019-02-15
Bueche, LA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2019-02-15
Houston, TX
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
Company Response: Closed with explanation
2019-02-15
NH
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: Sallie Mae has been harassing myself and my co-signer with phone calls all day, on our cell phones and work phones. Yesterday I received 5!! Co-signer got 6. Its all day long. Getting in trouble at work for our phone continuously going off.
Company Response: Closed with explanation
2019-02-15
San Antonio, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-02-15
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-02-15
Occoquan, VA
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Complaint: I wrote a letter to Navient on XX/XX/2019 inquiring about a transaction titled loan Sale. Navient did not disclosed any information associated with this transaction. The letter formally request for all pertinent information association with this sale date, time, and accounting be disclosed and a full disclosure of the financial ramification for the sale to the borrower be provided.
Navient responded with a vague and contradictory letter stating there was no loan sale.I wrote a second letter to Navient on XX/XX/2019 declaring the response was unacceptable and none of the information originally requested was provided. To date i have not received a response.
Company Response: Closed with explanation
2019-02-15
FL
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: During XXXX and XXXX, I requested to be place in the PSLF plan and was told several times by Navient that I did not qualify. During this time, I worked for XXXX XXXX XXXX in the XXXXXXXX XXXX. I was unable to make the payments and therefore my account went into default.
Company Response: Closed with explanation
2019-02-15
Canyon Cntry, 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
2019-02-15
Indianapolis, IN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Company Response: Closed with explanation
2019-02-15
Tarzana, CA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I was on an income based repayment plan. Got an email saying forbearance was a better option for my situation. It was not. Now I'm paying way more in interest than I otherwise would have without it.
Company Response: Closed with explanation
2019-02-15
Jeffersonville, OH
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-15
Alachua, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: For all three credit bureaus, my 8 active loans with Dept of Ed/Navient are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XXXX, XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that Navient has to update the information. When contacting Navient, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.
Company Response: Closed with explanation
2019-02-15
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: When I first graduated from XXXX XXXX XXXX XXXX in XX/XX/2015, I applied for the Get On Your Feet NYS Program. In order to qualify, your salary has to be under {$50000.00} a year. I met all other criteria by going to high school and college in NYS and graduated within two years.
Navient was reporting to the NYS Get On Your Feet Program that I made double the salary I actually do so that I would not qualify. When I called several times to speak with Navient they always denied that they told NYS incorrect information.
I am now a few years out of school and feel I lost thousands of dollars I could have saved if Navient told NYS Program my correct salary.
I have attatched the email from NYS program where it stated I made {$80000.00}.
Company Response: Closed with explanation
2019-02-14
Sierra Madre, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with explanation
2019-02-14
AZ
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Complaint: Repeated calls each week at all hours with message left. This has been going on for multiple years. Occasionally then send letter claiming outstanding ticket for 2006 for {$720.00}.
Company Response: Closed with explanation
2019-02-14
Portland, OR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Dear CFPB, I am extremely frustrated with my student loan servicer, Navient. I graduated with a XXXX in XXXX and a lot of debt. I went into repayment in XXXX with Sallie Mae. In XXXX, I received the option to consolidate my loans when I received a letter announcing that Navient would be buying out my loans. At that time, I had been working XXXX years ( full-time ) for a XXXX XXXX organization and I had just learned about the Public Service Loan Forgiveness. I called Sallie Mae and specifically asked if the consolidation would impact my eligibility for PSLF. I was told by Sallie Mae that I would still be eligible but to wait until after split between Sallie Mae and Navient took place to apply.
In the summer of XXXX, I took a new job with a different XXXX organization that also meets the requirements for an employer in Public Service Loan Forgiveness program. I sent in the required documents to Navient in late XXXX and was told I did not qualify. I asked " why? '' and that I had spoken to Sallie Mae and they had indicated otherwise. The representative said I would have to increase my payments to an " astronomical level '' and that " the loan repayment plan I was currently on '' did not qualify for PSLF. This phone call left me deeply shaken as I was already paying XXXX a month and could not begin to think what an " astronomical level '' would be.
I have now accumulated 10 years of employment in a qualifying non-profit or government institutions and have made 10 years of monthly student loan payments via automatic payments ( auto-pay ) tied to my bank account. I have been in repayment for a total of 15 years. Navient shows that I am only 36 % of the way to my repayment date of XXXX/XXXX/XXXX. I will be XXXX years old.
I feel 100 % cheated. As a first generation college student and XXXX student, I was repeatedly counseled that student loan debt was " good debt. '' While I am grateful to have received the loans to aid my scholarship money, my XXXX XXXX tuition waivers and part-time jobs, I am deeply disappointed and frankly, angry, that I can not get on top of this debt despite years of faithful repayment and being told I could qualify for PSLF.
I recently read in XXXX and in other sources that I am far from alone in this predicament. Instead of feeling any consolation, I feel enraged. 2 % of applicants actually qualify for PSLF? Please. I am surrounded by XXXX professionals who make far more income than I do who were also deeply in student loan debt, but their loans are being forgiven by other loan servicers who actually help up their end of the deal.
Having my Federally guaranteed loans bought out by Navient was not my choice. But now I have no choice but to deal with a company that seems not to care one bit about what student loan debt is doing to people who are trying to contribute to a cause larger than themselves.
Sincerely, XXXX XXXX ( formerly, XXXX XXXX )
Company Response: Closed with explanation
2019-02-14
Las Vegas, NV
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've already disputed the inaccurate information through the credit bureaus and also directly with Department of Ed/Navient. Department of Ed/Navient received all six of my disputes sent to them via certified mail on XX/XX/XXXX. Still, to date inaccurate information continues to report on my credit. Navient 's response to my dispute did not address my concerns.
Department of Ed/Navient continues to misreport 6 accounts on my report. The reporting shows that these accounts were 90 days late on XXXX of XXXX. It is not possible to be 90 days late, without first having a 30 day late, a 60 day late and then a 90 day late. The FCRA requires a furnisher to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the inaccurate information.
There were six certified mail letters with tracking numbers listed below, and thus six opportunities for them to fix the errors.
XXXX XXXX XXXX XXXX XXXX XXXX Attached is a copy of the XXXX inaccurate accounts reporting on my credit file.
In light of the recent court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, XXXX Vs. XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Furthermore the response Navient sent to me dated XX/XX/XXXX stated Attached is the payment history of your 50 most recent transactions. This did not address my dispute of the 90 day late reporting that supposedly occurred on XXXX of XXXX. I did not ask for a recent payment history. I am disputing the inaccurate reporting that occurred on XXXX of XXXX. What I expected to received was documentation showing such lates and an accurate reporting of what transpired. In addition the 50th most recent transactions provided by Navient did not include the transactions around the XX/XX/XXXX time frame and was therefore completely and utterly useless ; and therefore leads me to believe once again that Navient did not read my dispute and certainly didn't address my concerns or the damage to my credit file. Navient response states that this delinquency occurred prior to the forbearance but again provided no evidence, nor did they provide an explanation as to how the 90 day late report can appear on my file with no corresponding 60 or 30 day late.
In their second letter responding to me also dated XX/XX/XXXX they state as follows : Although a deferment or forbearance applied to your account resolved your past-due status, the delinquency reporting you want removed occurred prior to the deferment or forbearance start date. Therefore, the delinquency information was accurately reported to the consumer reporting agencies.
In the above statement Navient continues to confirm that the reporting is correct, which as I've clearly mentioned in my dispute how is it possible to report 90 days late, without first being 30 days late, then 60 days late and then 90. My dispute is in regards to the accuracy of what they are reporting. Navient was in receipt of my dispute on XX/XX/XXXX ; they've had well over the 30 days as required by the FCRA and per Nevada law to fix this reporting and have failed to do so. I request removal of the inaccurate 90 day late reporting from my credit reports as outlined in the FCRA.
Company Response: Closed with explanation
2019-02-14
GA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Complaint: they call me 9-12 times a day 7 days a week up to XXXX even weekends and holidays it feels like harassment because I can't pay my loan back I have XXXX and XXXX and choose not to try for XXXX as I would probably be denied. I try to work but have a very unstable work history due to my conditions.and they keep telling me I have to be XXXX in debt or make these unreasonable payments or keep accumulating interest on this loan that I will never be able to pay. I have asked them to limit their calls and robot calls to me me but it continues from XXXX to XXXX 9 to 12 times a day. This is very stressful to me and is destroying my credit making it impossible for me to make my already difficult due to health reasons impossible. I understand I owe them money and they want it but calling me 12 times a day is not gon na fix my health condition it actually makes it worse and harder to not stress and makes the working condition worse. I need some serious help with this. They have called 3 times in the time it took to get this far on this complaint. XXXX from Navient has let 3 messages/ I do not have the money to pay and deferment just keeps making the debt bigger not helping me as my XXXX aren't going away only getting worse and can work less and less.
Company Response: Closed with explanation
2019-02-14
New Market, AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: This is after case XXXX. Navient responded and confirmed most of the problems I reported. However there has been no actions to fix or compensate the previous issues.
Since then I have cancelled Auto-pay, changed the over payment option to Pay down the principle ( which is what I had ORIGINALLY chosen ), AND un-grouped the students loans for better visibility and tracking.
I also paid off a large chunk of the loans including complete re-payment of one of the loans. At this point, there are currently 2 loans completely re-paid.
After doing these changes, my minimum monthly payment went from XXXX {$400.00} a month to > {$710.00} a month. No explanation or reason provided. I only thing I could assume from this change is with the over payment choice. However my PRINCIPAL DID NOT CHANGE ; there is potential for missing funds.
I called Navient last week about the situation. I was on hold for about 2 hours before being able to speak with someone.
The representative looked at the situation and responded with " Hmmmm ... .that is not right. I don't know what is going on with this '' and " I will get it fixed for you ''. She reported submitting the situation to be fixed ; getting the minimum payment adjusted. The representative also shared that it would show up on my account within a few days.
I have seen no changes to my account and there has been no further response.
Company Response: Closed with explanation
2019-02-14
Library, PA
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-14
San Jacinto, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have 2 Direct Subsidized student loans and 2 Direct Unsubsidized student loans. I discovered them on my credit several years ago and I have asked Navient to provide me with all of the loan documents to prove that I signed for these loans more times than I can count. They have told me over and over that they will not and do not have to provide me with that information and that since I attended the community college they have listed then the loans have to be mine. I explained how I did go to that community college but I DID NOT request any loans. Then after I stated that to them they told me it was done electronically. I informed them that my ex-husband could have done all of this without my permission because I know for a fact that I never received any money from the community college. I have been able to get on an income based payment plan but I never even applied for these loans nor did I ever receive any money that they say I owe. How can I be responsible to pay for something when they can not provide proof that I signed for these loans. Just because I attended that community college should not be a valid way to prove that I was actually the one that signed for them. I want to see the documents that I signed for. I want proof that I signed and received the money. I filed chapter XXXX and the loans showed taken in chapter XXXX and then all of a sudden they show current and not taken in chapter XXXX. How is this possible that they go from being taken in my chapter XXXX bankruptcy to being a valid loan again? Something needs to be done about this. I don't even have a degree or a high school diploma. I am responsible for something I did not do and they refuse to show me proof. I don't know what else to do.
Company Response: Closed with explanation
2019-02-14
E Fairfield, VT
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
Company Response: Closed with explanation
2019-02-14
Wallingford, CT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation