Navient Solutions, LLC.

2019-02-11

Festus, MO

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-02-11

Apopka, FL

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-02-11

Winton, CA

Incorrect information on your report

Student loan: Private student loan

Old information reappears or never goes away
Complaint: Checked my credit report on XX/XX/XXXX and Navient was reporting on a student loan Ive never had with them. They recently started to report on my loans who were with XXXX and now XXXX yet they have hit my credit horrible and my student loans are from XXXX they could not have been my services ever and I want this information removed. I have a credit attorney working on this and they have never been able to provide documentation and kept reporting till XXXX
Company Response: Closed with explanation

Timely Response

2019-02-11

Stevenson, MD

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I set up a reduction rate payment plan with Navient on XX/XX/2018. They insist on asking you questions and getting detailed numbers on your entire life expenses before the person on the phone determines what your payment plan should be. I begged the Navient employee to help me with a payment that could be lower than {$400.00} because I am already paying another loan servicer $ XXXX and that will make me have to pay double rent every month. She said over and over again that my payment would have to be {$420.00} ( previously {$390.00} ) and they couldn't go any lower because " that's what the system will allow ''. So I eventually agreed and gave my debit card to have the money taken out ( they said I can only have the rate reduction program if they have my card information ). The first payment was scheduled to be taken out on XX/XX/XXXX but it wasn't and now I'm delinquent a payment. When I called today and spoke with XXXX, employee ID XXXX, she told me she couldn't do anything about it and my bank " didn't allow the payment ''. I begged her to bring my payment current and she said there's nothing she can do to help me lower my payment or bring me current.
Company Response: Closed with explanation

Timely Response

2019-02-11

Hillsdale, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: As per my knowledge I am overpaying my loan al I took the loan was to dorm at the university for 2 years I see loans that I never applied for and I am over paying for it I took two loans and I am paying for 7 different loan
Company Response: Closed with explanation

Timely Response

2019-02-11

New Rochelle, NY

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: I spoke to a customer service manager about a Rate Reduction Plan. After going over my financials she said that the loan would go up higher. Unfortunately, I can not afford the increase and when I asked to speak to a manager and I told her that if the loan was any higher I wouldn't be able to afford to buy groceries or gas and she said to me WELL YOU JUST GOING TO HAVE TO DO PROVISIONS WITH YOUR FOOD. Then I tell her unless I go to a women 's shelter I won't be able to afford any of that. Then I got upset and I said that unless I go to the street and start CHARGING for services she says WELL I CANT TELL YOU WHAT TO DO BUT YOU HAVE TO DO WHAT YOU HAVE TO DO.
Company Response: Closed with explanation

Timely Response

2019-02-11

Maiden Rock, WI

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: I think I may be a victim of predatory lending when it comes to the terms and conditions of the private loan I had originally taken out with Sallie Mae, now Navient in 2007. The interest rate is insane and the amount that is taken out of my account automatically each month can change without notice or approval. I have been repaying this loan for over 10 years and still have 3 years of projected repayment for a loan that was under 10,000. I called Navient to try to talk about options and concerns with a representative who told me I had zero options because it is a private loan and the conditions were decided by the lender ; and could offer no aid or suggestions. The school I attended for which I took the private loan out is not even in business any longer and appears to have had many other complaints on legitimacy as well.
Company Response: Closed with explanation

Timely Response

2019-02-11

Arsenal, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I attended an XXXX school name XXXX XXXX XXXX in XXXX. I took out a student loan for the XXXX semester of XX/XX/XXXX. When the school winter break was over and the 1st week of school we was told that the school was losing their accreditation and the spring would be ending early around XXXX instead of the normal time in XXXX. So I was never able to take my spring courses bc of the school closing early due to the lost of accreditation. The disbursed the money to the school in XXXX of {$2600.00} which i did not attend any classes and the administration said that my loan would be cancelled since the school was closing. than years later i found out i still owe for a loan I never used. I been trying to talk to so many people and Navient the current loan owner which Sallie Mae was the original loan owner about this problem but since the school is considered open instead of closed even though no one attends and there is no administration they just wont consider it a close school bc the school keeps filing bankruptcy.
Company Response: Closed with explanation

Timely Response

2019-02-11

MN

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: After several conversations with Navient, I was FINALLY able set up a six ( 6 ) month payment plan ( after an hour and a half on the phone and confirming my and my co-signer 's financials ) for more than I could afford, but the " best that could be offered to me ''. Since then, I have made one payment and received several ( around seven ( 7 ) or eight ( 8 ) calls over the course of three weeks ) asking me how I would like to bring my account current. Today, I spoke with them again, informing them that the phone calls are now getting ridiculous and that they need to work their system better if they couldn't see that I had set up payments. In today 's conversation, I was informed after them reviewing my account, that the plan I had been " approved for due to an override from a manager '' I no longer qualified for. I was also told that because I had a co-signer, they were required to help me because that's what a co-signer is doing when they agree to sign for the loan. I informed them that my co-signer was yes, able financially, but not willing to help me due to the age of the loans and the fact that I had been able to pay them in the past. I am now trying to work with them in regards to payments, but because of my co-signer 's income, they are telling me I do not have any programs to qualify for lower payments on. My original plan was three payments of {$44.00} and change, followed by three payments of {$100.00} and change. I am now told that I MUST make a payment of $ XXXX/month for 15 months set up all at one time or my account will be reported delinquent to the credit bureau. I have XXXX children ages XXXX and under. With my check barely ( or not quite barely ) able to cover insurance and childcare, we are left with my husband 's income to pay the rest of our bills every month. These student loans were taken out in XXXX ; making these accounts XXXX or more years old. I currently work for the lXXXX XXXX XXXX and had been hoping that I would be able to qualify for student loan forgiveness and now that seems to be out of reach. I don't know what I can do, where I go from here, or how to handle this.
Company Response: Closed with explanation

Timely Response

2019-02-11

MD

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: Navient has a underhanded tactic of pointing me in the direction of forbearence rather than more affordable repayment options. Forcing me to pay more in the long run and never mentioning I have options that will work with my salary. They stated I missed payments in XX/XX/XXXX, when I did not XXXX until XX/XX/XXXX. They have ruined my credit and continue to steal money from me.
Company Response: Closed with explanation

Timely Response

2019-02-11

Clermont, FL

Written notification about debt

Debt collection: Private student loan debt

Didn't receive notice of right to dispute
Complaint: NAVIENT STUDENT LOAN DEBT. AS A STUDENT AT XXXX XXXX IN XXXX FLORIDA. I DID NOT KNOW THAT A PRIVATE LOAN SHOULD NEVER BE AN OPTION, IF YOU COULD QUALIFY FOR A SUBSIDIZED OR NON-SUBSIZEDI LOAN. THEY REALY WERE UNINFORMATIVE OF THE RAMIFICATIONS THIS TYPE OF LOAN COULD PRESENT TO ME. THAT FORBEARANCE WAS REALLY NOT A HUGE OPTION WITH THESE TYPE OF LOANS. EVEN AS RECENT AT FRIDAY XX/XX/2019 EVEN THOUGH I HAVE TOLD THEM I DO NOT HAVE THE FUNDS TO PAY THAT HAVE INSISTED IN AN UNAFFORDABLE PAYMENT TO COME FROM ME.
Company Response: Closed with explanation

Timely Response

2019-02-11

Winton, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I thought I was on track with the " help '' of Navient to be in line for the PSLF and that is when I found out that my publicly backed student loans do not count as qualified payments. I needed to convernt my loans to direct loans. My loans were owned by the department of ed and serviced by navient, but that wasn't all that was needed for the PSLF. That seems to be what was best for navient. Also, I spent years struggling to repay and Navient kept pushing me into hardship forbearances instead of even telling me about the income based repayment plans. That would have saved me a lot of fees and interest over the years. 10 years out of school I have a student debt principal about what I borrowed. I would say the train of misinformation began after my XXXX XXXX in XXXX with forbearances and fee city. In the early XX/XX/2010 's I got setup on IBR after reading about it online and struggling with the company to get me the paperwork. I was never explained about direct loans vs FFEL, which my school pushed me into the FFEL loan program as far as I can tell, no alternatives were explained. I was misled about the PSLF qualifications with my IBR based loans as qualifying even though they are not.
Company Response: Closed with explanation

Timely Response

2019-02-11

MO

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

Contacted your employer
Complaint: XXXX XXXX has been trying to collect a debt that is completely not accurate at all. But recently, they have been contacting me at work-which will get me fire. The first call that came through, which was two weeks ago. I asked them then to stop calling my work, they just hung up on me. This last week they have contacted my work 3 times, leave a voicemail twice. One the third call, I was able to speak with the rep and she stated they would continue to call because that's the only number they had. Which is a lie, because they call my 3 to 4 times a day. The rep was rude and told me that If I didn't want the calls, I should just pay. The debt that they are trying to collect is from XXXX XXXX in XXXX XXXX XXXX. The reason this debt is completely inaccurate is because XXXX XXXX is telling me that I never filed the necessary paperwork to leave school. This is not true at all, I had a mental breakdown AT SCHOOL-and the XXXX staff/ department are the ones that filed that paperwork for me. Because they filed the paperwork, the housing department was notified and help me gain access to all of my paperwork and turn in my keys. Every time this debt gets transfer, I have to resubmit the paperwork to XXXX XXXX and they pull the account back from the collection company. We do this dance every year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-11

Covington, GA

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

2019-02-10

Billings, MT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I am in the PSLF program with XXXX and I requested that Navient revisit my loan payment of XX/XX/2012 as they report it as short. Sallie Mae took over my Direct Loans without my approval inXX/XX/2012. In XX/XX/2012 I received a bill for {$1200.00} that did not reflect my Income Based payment plan that I was on with Direct Loans. I called to have my bill recalculated based upon my income and I was eventually told my new payment would be {$390.00}. The representative also stated my first payment would be due on XX/XX/XXXX so I made my payment early on XX/XX/XXXX. The following month I received a bill for {$410.00} and paid it in full. The next month it dropped to {$400.00}. I have found out through XXXX that this payment does not count toward my 120 payments because the payment was not for the full amount. I can only assume the customer service representative only saw the payment for loan # XXXX and did not include Loan # XXXX. At the time I was not aware they were separate loans. I paid the amount she instructed me to. As you can verify from my payment history I have always made my loan payments in full and on time. I made my payment in good faith for the amount I was told was due. Obviously if the representative would have told me to pay an additional {$12.00} I would have done it. Unfortunately they did not provide a written statement reflecting the new amount due so I made my payment based upon their employees verbal statement of the amount due. I have submitted documents proving my case. Document 1 shows the original payment due of {$1200.00}. XXXX that did not reflect my correct IBR plan. Doc 2 clearly shows my payment of {$390.00}, no amount past due, and a XXXX payment due of {$390.00}. ( apparently this was an additional statement error that was then changed to {$410.00} ). Again I made my payment on time for the amount I was told. I should not be responsible for their billing errors. As I researched Navient online it appears this is a common practice. I contacted Navient ( since they took over from Sallie Mae ) to try to get this issue corrected. They did not credit the payment as requested and I have included their summary as the last document. The bottom line is that I paid the amount that was requested by their agent, I paid it 2 weeks early, and when they billed me an additional amount ( above the statement amount ) the following month I paid that in full as well. Clearly I met my obligation for that to be a qualifying payment.I should not be punished for their employee 's mistake. As I am nearing the end of my PSLF program I am trying to ensure I have credit for all of my payments. With the uncertainty surrounding the program itself, every payment is crucial before the program ends so I really would appreciate your assistance in resolving this as soon as possible. I can be reached at ( XXXX ) XXXX or via email at XXXX. Thank you XXXX XXXX XXXX Acct # XXXX
Company Response: Closed with explanation

Timely Response

2019-02-10

Boston, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Navient offers limited weekday customer service hours and their phone system malfunctions regularly -- their automated callback system hangs up on customers, and calls are frequently dropped while on hold. Literally every time I have ever attempted to recertify my income information to maintain my XXXX plan for another year, something has gone wrong resulting in me being accidentally placed in a new plan and subsequently overcharged by hundreds of dollars. Last year it took more than 5 lengthy phone calls with agents before I was finally enrolled in the correct plan. Agents provided misinformation or processed my requests incorrectly. This has resulted in late payments and deferments ( at the suggestion of Navient agents ) which will ultimately affect my ability to reap my Public Service Loan Forgiveness as a XXXX XXXX. I called in an attempt to seek help from an agent ( XX/XX/2018 ) to avoid these familiar problems for the coming year. I was refused help -- the agent refused to enroll me over the phone and simply told me what boxes to check in their online FSA form. Lo and behold, their information was wrong once again. We followed the agents instructions and both my husband and I experienced massive increases in our payment amounts despite the fact that we sustained only a very meager income increase from one year to the next. While our income is virtually the same, we collectively are being charged more than $ XXXXmonth more than we were charged last year, with no explanation. The most frustrating part about all of this is that I am routinely unable to access my statements and online communication regarding my federal loans ( today included ). No matter what browser or device I use, I am unable to access my inbox. It loads and loads and eventually logs me out or " expires '' / '' times out ''. This is unacceptable. I can not view my account statements. I can not see what new plan I've been enrolled in or how my new payment amount has been calculated. I am a XXXX XXXX XXXX working hard to repay my loans and my experiences with Navient indicate that, not only are they shirking their responsibility to help me continue to pay for my education -- they are actively hindering my ability to access information about my finances and maintain control over this very significant financial burden.
Company Response: Closed with explanation

Timely Response

2019-02-10

Philadelphia, PA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Sunday XX/XX/XXXX My complaint is about Navient. With being out of college XXXX years and wanting to take out a loan, when looking at my credit statement it came to my attention that my student loans have not gone done, but had actually gone up. My father who has been paying all my payments ontime, who also happens to be a successful XXXX, dug deeper into the reasoning as to why this could be the case conducted his own amortization, and realized the NUMEROUS ways in which Navient was extorting and misleading our payments ( calculating around 13,000 dollar difference between both accounts ) my father became involved in the conversations and demanded paperwork be sent. We received paperwork if thats what you want to call it, none of which was what we had asked for and was basically a print out of what we could have gotten off line, none of which had any balances etc. The paperwork did however show missing years and other missing documentation that when we called to follow up about, customer service said they were unable to locate it, which has been the answer all along. I began college in XXXX, my loans initially started in XXXX and originated as XXXX XXXX Bank. It was then sold to XXXX and then onto Navient. Within this time period, documents were lost, rates/ terms changed etc. which all contributed to the issues in which we are having today which are apparently our fault not theirs, even though they are the ones who bought the company and should assume the responsibility. Since Navient has bought my private loan, the interest and principle has been EXTREMELY INCONSISTENT and we have only been provided the minimal proof to needed to back that up and we have been calling to fight for the FULL proof of the CLEAR BREAKDOWN OF ALL INTEREST RATES- WE WANT THE ORIGINALS!!!! They should not be allowed to decide where they allocate the principle payments however they like ( taking advantage once again ). They should be applied to both loans, not just the lower rated ones, they are separate loans, each with their own payment. After countless hours spent on-hold, on the line with numerous representatives etc. I started a running record of all my conversations and the outcome and supposed follow up that was promised to occur per that conversation, which never once happened. I have attached my notes from each conversation, including ones made to legal institutions. On XX/XX/XXXX we were told that our complaint would be transferred to Ombudsman, their internal complaints department and would be a high priority escalation, and would receive a letter and further steps which we were told would be completed by XX/XX/XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX XXXX, an agent in the Office of the Customer Advocate at Navient and was given a number to call, I responded to this email and was not given a response, as well as called the number. I called the main number to try to get ahold of someone and was told she was on a call and she would get back to me with 24-48 hours ( not sure who is on hold for this long? ) I left a voicemail leaving my cell phone asking her to call me back and leave her direct number on my voicemail. No email, call, or voicemail was returned ever. When I called the number on her email two days later the call said the office was closed, their hours were XXXX. ( it was XXXX. est ) and then the number HUNG UP ON ME- multiple times, which leads me to believe they blocked my number. This was final straw which made me file this complaint, I feel completely taken advantage of at this point. Every deadline they have given has been missed, not one person has been able to give a straight answer, they cant be honest and just admit they have no proof and own up to their mistake and keep dragging this along and its not fair. I am also in the process of trying to release my cosigner and this looks like it will be a process as well based on everyone else complaints but my cosigner is out of work due to an accident and is injured and when I called to explain this to them they did not seem to care or be helpful at all but at this point we are trying to solve one issue at a time. This back and forth is causing much added stress to an already eventual and stressful time in my life, being XXXX, and trying to financially break free from Navient is a full time job within itself, Ive been hung up on, lied to, mislead, taken advantage of, and plenty more and I just want to move on. My dad even offered to settle with them and they refused, even when they are doing so many illegal things to us in the first place. At this point we are not sure who else to turn to or what else to do, how can a company just haphazardly, inconsistently, just adjust and apply interest however they want whenever they want without even telling you, how can they continue to lie to you and keep getting away with it.
Company Response: Closed with explanation

Timely Response

2019-02-10

Carson City, NV

Incorrect information on your report

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

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

Timely Response

2019-02-10

Brooklyn, NY

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

Timely Response

2019-02-10

Kiowa, OK

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: My servicer, Navient, sent me an email on XX/XX/XXXX congratulating me on my approved application for deferment. I never applied for deferment for my student loans. I had my loan repayment set up to debit my checking account {$220.00} every month. I never knew that they would or could defer my loans without asking me or without me applying for deferment. I owe approximately {$29000.00} in student loans. I called Navient on XX/XX/XXXX and asked why they deferred my loans. They told me that it was written in my promissory note and that my college, XXXX XXXX XXXX University, contacted them and told them to defer my loans for me. I then called my college on the same day and asked if they had contacted Navient for me to defer my loans and they said no and that they do not do that for students. I also asked if they had any record of me asking XXXX to help me defer my loans and they said no. XXXX informed me that Navient retrieves a list of borrowers who are enrolled in school from a different source and defers their loans. Navient lied to me about XXXX telling them to do it, deferred my loans without consulting me, and has ultimately set me back on my student loan forgiveness. Now I am behind on my repayment schedule with interest accruing.
Company Response: Closed with explanation

Timely Response

2019-02-10

Mabank, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: I have student loans with Navient and was unable to make payments and I tried for weeks now to log in to my account and page not located. On XX/XX/2019, I requested a General Forbearance Request. I have a true and correct copy of said document I just cant get file to upload. I still haven't received any email or telephone calls from said company. This company is threatening my default of my loan and free my bank accounts and take my tax refund. I had several hardships last year ie the XXXX, weeding, death of my grandson and was scammed by XXXX XXXX XXXX on XX/XX/XXXX for {$1500.00}. I want to make said payments just need time to get my finances back on track.
Company Response: Closed with explanation

Timely Response

2019-02-09

Chicago, IL

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I am current a Naivent private XXXX XXXX customer. I received a Prequalified letter to refinance my student loan with XXXX a member of the Navient family of companies. The deadline to apply was XX/XX/2019. The letter only provided a website to apply. After confirming XXXX 's affiliation with Navient, I proceeded with the applying to consolidate two of my existing student loans ( with Navient and XXXX XXXX XXXX ). I applied for the loan on XX/XX/2019. Immediately after completing the application, I received a rejection letter and statement I will be notified of the reason behind the decision. I received an electronic letter on XX/XX/2019 describing why I did not meet the eligibility requirements. On XX/XX/2019, I printed and reread the letter to discover the reason why I was denied did not make any sense. The letter stated I did not meet the eligibility requirements because my credit score does not meet the minimum criteria. My credit was mentioned on the letter as a XXXX. This information was collected from XXXX. I called the number provided on the letter XXXX to get clarification on XX/XX/2019 at XXXX pm central time. The male representative ( name unknown ) confirmed my identity and acknowledged my application. He also stated the call was recorded. I asked him to explain how my credit score did not meet the minimum criteria. The rep 's response was that was the response generated when the application was ran. I asked what was the credit score range. He refused to tell me and further stated it was propitiatory information and that the company did not have to disclose the reason why I was denied. I also stated how do I know if the company did send me the prequalify solicitation to collect my information and sell it to other companies. He stated they would not do that. I also asked how do I know if my application was not turned down due to my name being ethic and my address in a predominately minority zip code. He stated that was illegal. Despite his denial of any illegal wrongdoing, I very concerned about the reasons behind my denial since my credit score is an acceptable score for lending. I have reason to believe unfair practices were used to disqualify my application.
Company Response: Closed with explanation

Timely Response

2019-02-09

Patterson, MD

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Navient Corporations I heard they got a law suit against them can you help me look into the information about them. If they legitate and the balance i have to repay them back is XXXX.
Company Response: Closed with explanation

Timely Response

2019-02-09

CT

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Took out student loan for my daughter on XX/XX/XXXX ; total loan was {$88000.00}. I lost my job in XXXX and was out of work all of XXXX. I returned to work in XXXX at a greatly reduced income. In XXXX I requested payment options but was only offered forberances to the point the loan amount due doubled, {$170000.00}. Only then was I offered a monthly payment which totaled over {$1500.00} month. I am now again unemployed and as of XX/XX/XXXX am being threatened with legal and garnishments.
Company Response: Closed with explanation

Timely Response

2019-02-09

WI

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: They gave me paperwork to fill out and send back for a temporary forbearance. Which I did. Didn't hear or recieve anything from them for a few months. Then recieve a notice from IRS two months ago ( XX/XX/2018 ) saying they put a offset on my tax return, for failing to make payments. My accountant and the IRS told me to call and work out a earnings based payment plan. I have called Navient seven times since. Today included. Navient staff tells me, that my loan is in default and not assigned to collection agency, so nothing they can do. To call back next week. I am holding off filing my taxes. Lest, my husband have his return taken by these crooks. I obtained this loan prior to our marriage, but my state recognizes it as community property/debt.
Company Response: Closed with explanation

Timely Response