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 124
2019-02-09
Birmingham, AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I make payments that cover my accrued interest plus some. I just noticed on my statements that Navient says I accrued over {$1000.00} in interest in five days two times in XX/XX/2018. There could be more, I have not gone through all of it. I keep track of my payments and accrued interest on my own spreadsheet and have asked them to explain and provide documents to show how that much interest accrued in five days. Nothing yet.
Company Response: Closed with explanation
2019-02-08
Los Gatos, 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
2019-02-08
Seattle, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Keep getting calls about your loan
Complaint: I'm being charged an " adjustment '' on my student loans after I paid them off XX/XX/XXXX ( paying off a balance of {$4700.00} ) After receiving SEVERAL confirmation emails congratulating me on paying my student loans and over 3 years ( XX/XX/XXXX ), I suddenly received a notification from Navient telling me I had two balances on my account. I called them immediately to ask about this and they said they would investigate. No one got back to me.
I followed up today since I had this flagged in my email and Navient keeps emailing to pay this new balance. A Navient customer service rep told me to check this special inbox I never had seen before in my account that has this letter : " XXXXX, the response to your recent student loan account request can be seen below.
Your loans were previously paid in full. However, due to adjustments made to the account on XX/XX/XXXX, requested by the Department of Education ( XXXX XXXX XXXX XXXX ), a balance was placed back on the loans. You will need to contact them regarding this adjustment.
You can reach them at XXXX. We apologize for the confusion.
Were here to help Were happy to help you navigate your options, provide you with resources, and answer any questions you have as you repay your loans. If you have any questions about your account, visit us online or give us a call. '' The rep told me this is a U.S. Department of Education issue and that I need to call them.
-- -- -- - I call the 1-800 number to the U.S. Department of Education and speak with XXXX ( ID XXXX ) and she discovers that I'm not even in their system. They can't even find me with my social security number. She suggests then I be connected to the Loan Default department to see if my loans went into default. I waited another 30 minutes on hold and was connected to XXXX ( ID # XXXX ) who also says I can't be found in their system and that my loan is serviced through Navient. And that I need to contact them. She also suggested I send physical proof of all correspondence about my paid off loans to this address : " US Department of Education XXXX XXXX XXXX XXXX Texas XXXX '' She said it would probably take 8 weeks to hear anything back. I'm really frustrated and dismayed with both Navient and the U.S. Department of Education on how my loans were handled.
I also just tried calling Navient again and they won't connect me to customer service after being put on hold at least 3 times and waiting about 2 hours while I'm watching my small children at home.
As you might tell, I'm pretty upset and disturbed by all this. It feels like no one is taking the blame for the matter and Navient is trying to charge me after 3+ years. It really makes me concerned that they are doing this with other individuals who have loans serviced by them.
Does it seem fishy that I am now being charged {$230.00} after paying off my loans in XXXX?
Company Response: Closed with explanation
2019-02-08
Sedan, KS
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Keep getting calls about your loan
Company Response: Closed with explanation
2019-02-08
Brentwood, TN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-02-08
Eastlake, OH
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
2019-02-08
Beyersville, TX
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Complaint: Credit monitoring reported having an increase in student loan by {$1300.00}. Causing my credit score to drop. When contacted the company to find out why my loan balance was up by over {$1000.00}. No explanation given. I owed {$7000.00} and now owe over {$8000.00}. When checked the details of loan. No increase shown in my loans or higher percentage but yet my loan is more. Ive never missed a payment and have paid every month for over 9yrs. No reason why I would have extra amount on my loan.
Company Response: Closed with explanation
2019-02-08
PA
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: Over the past year or two, I have been set up on a lower payment plan from Navient, taking the amount down from around {$1300.00} to around {$700.00}. I recently in XX/XX/XXXX called on XX/XX/XXXX to renew this lower payment. Out of nowhere I was told that the procedure had changed, which I was not told about prior to this call. I was told to call in XX/XX/XXXX before the payment date of XX/XX/XXXX to renew for the following payment month. The lower payment used to be based on solely my income, but now they are asking for my co-signers income. He is refusing to help me. If my amount goes up it will be more than my monthly salary and I physically will not be able to do it. This is causing me extreme stress. I want to pay but if the amount gets any higher I wont be able to. I am struggling as it is with the lowered amount.
Company Response: Closed with explanation
2019-02-08
MN
Communication tactics
Debt collection: Private student loan debt
You told them to stop contacting you, but they keep trying
Complaint: Navient is repeatedly calling my husbands mom, his step dad and now their land line. They are also repeadely calling my mom and dad and now my employer. I have told them in XX/XX/XXXX to stop calling my husbands mom and step dad as well as my mom and dad as they have my number. I also told them to not call my place of employment. I told them to stop calling me 4 times a day When i talk to them they threaten me that because my loan is in default they can get a lean on my house and wage garnishments. They repeatedly ask me for my finiacial information to post date a check of XXXX after i have told them i can not afford that right now due to my husband being part of the federal government shutdown and funds are tight. So now the lady today XX/XX/2019 threatens she will continue the collection efforts and she can legally call me 8 times a day. I told her i work night shift and to stop calling me during the day as i am sleeping!
Company Response: Closed with explanation
2019-02-08
Scottsdale, AZ
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: In XXXX my son graduated from high school & was recommended to XXXX College of XXXX by his teacher at his high school. He was accepted into the College. I set out to find out about the student loans ( at that time, Sallie Mae ) that were available. From learning that most people going to college were going to Sallie Mae for their student loans. I only needed help with his tuition as I could handle his other expenses : room & board, books, etc. The tuition was {$30000.00}. a year ( {$15000.00} each semester ) ( X ) five ( 5 ) years. He proudly graduated from XXXX College of XXXX with a degree in XXXX XXXXXXXX & XXXX XXXX in XX/XX/XXXX. At that time, I understood that once he was done that we could refinance/consolidate all of the loans into one with a fixed loan & payment. We knew that it would take time to pay back but were both willing to make this happen.
However, we were never given a copy of the loan agreements. I asked constantly. They never came in the mail. Needless to say, we were not aware that they would be private loans therefore not being able to refinance them at all. All of the loans are adjustable rates. I started paying interest on the loans from the beginning to help with the overall expense. I would make payments from {$200.00}. to {$750.00}. @ month. I know their interest was not that high but the rate is not reflected on the documentation I was able to print from Navient web site for each loan. None of the numbers make sense & literally 15 years later of payments and the principal balances are higher than the original loan. It has become very clear to my son & I that we will " never '' be able to pay off these loans and there is something seriously wrong with the numbers on the documentation. None of it makes sense. I don't know how they can keep adding thousands of dollars of interest & fees to these loans.
The payments started at approximately $ 700.+ a month. The payments now are approx $ 1300.00+ @ month. We call at least once a year looking for help. Navient ( Sallie Mae apparently sold the loans to Navient ) says, " we can give you forbearance '', which is just increasing the interest & paying nothing on the principal and it appears they just tack on more fees.
How does this help? I recently called again & they agreed to a " rate reduction plan '' for six ( 6 ) months. Now the " reduced '' payments are {$730.00} @ month which helps but will not last long and nothing is going to principal & it's not even paying the monthly interest in full now.
I'm VERY concerned because I am now XXXX yrs old & single, my son is now XXXX years old & married with a 2 yr old son & they are having a XXXX XXXX at the end of XXXX. I have spent all of my retirement monies on these loans and still am paying a portion each month. There is no way they will ever be able to buy a home for their family with this extreme burden and I'm not going to be able to keep helping pay these loans. We are greatly concerned about our financial future. I also just found out when I was trying to refinance my house to put me in a better position, that Navient put 60 day lates against my credit & dropped my credit score by 150 points. Now I can't refinance.
I pray that you can help us! This is a complete injustice to the American people. I know that we are not the only ones that are affected like this. This has to be stopped. We certainly never went into this thinking that we wouldn't pay. We want to pay our bills & do but when a company is stealing from us, how do we stop it?
I have documentation that reflects these payments, all going to interest on only ( 1 ) loan and the principal actually increasing. There are repayment fees for thousands of dollars. On each loan there is capitalized interest for thousands. After he graduated, they allowed 6 mos forbearance, which we discovered later just allowed the interest to grow. This was the same time that the mortgage/real estate world came crashing down, which is my occupation and the music world was crashing too. My son went to XXXX for his XXXX with XXXX XXXX & discovered there were no jobs available in the XXXX world. I ended up having to file BK & did not know that I had a choice of bankrupting against the student loans ( because they were private ), so I didn't. Long story longer ... we have made our payments ( I am the co-signor on my son 's student loans, which we were told was the only way he could get the student loans ).
Please help us.
Company Response: Closed with explanation
2019-02-08
Smyrna, DE
Communication tactics
Debt collection: Private student loan debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2019-02-07
Rochester, NY
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: My XXXX career was exclusively funded by student loans. I was never counseled with regards to the number of loans I was taking, career choices, and possible earning potential. When I graduated, I deferred those loans until I got settled into a job and decided what my next steps were. I eventually decided to pursue a XXXX XXXX Degree in XXXX. On top of having to take some additional XXXX coursework, my XXXXXXXX XXXX was also funded by loans. I eventually got a XXXX job in an urban district where I thought, after 5 years, I would have {$17.00} of my {$130000.00} loan balance forgiven. Well- I was wrong. I had consolidated some of my loans, and that. in conjunction with the dates, some of my loans had been taken out, made me ineligible for student loan forgiveness. To add insult to injury, I have since been laid off from XXXX, and found other work, but have been deferring my loans. My husband makes a decent living but will no contribute towards my student loans. Yet his income disqualifies me for the option of an income-based repayment plan and my minimum payment works out to be over {$900.00} per month, which with XXXX kids, and numerous expenses I can't afford. At this rate, the interest accrues, I continue to defer and have no idea how I will ever get out from under all of this debt and start saving for my own kids future.
Company Response: Closed with explanation
2019-02-07
Penn Yan, NY
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
2019-02-07
IN
Struggling to repay your loan
Student loan: Private student loan
Can't temporarily delay making payments
Complaint: In XXXX i was granted a student loan and was paying on until i fell into a financial problem everytime i call to try to make payments nobody returns my calls.my taxes have been taken by salli mae since XXXX and they put my account at default.ive been trying since XXXX to amke payments to get it out of default and they are telling me i cant make payments but yet keep taking my tax returns.
Company Response: Closed with explanation
2019-02-07
Chicago, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I make {$100.00} payments to my loan on a weekly basis. And they are applying my payment to a loan that was closed years ago and not the active loan with over 7 % interest. This is the second time that this has happened. And every time it does I am being caused to pay more money as the interest on the other loans that are active and actually have a balance are accruing on top of each other. This is ridiculous that I am losing money because they can't apply payments correctly.
Company Response: Closed with explanation
2019-02-07
Newnan, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have incorrect 30 day, 90 and 120 day late payment on my Navient accounts but have documentation showing current and correct payment amount. I have repeatedly asked Navient to fix the incorrect information on XXXX, XXXX and XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late marks are hurting my credit report and preventing me from getting a mortgage.
Company Response: Closed with explanation
2019-02-07
Lenzburg, IL
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
2019-02-07
Martinsburg, WV
Problem with a credit reporting company's investigation into an existing problem
Student loan: Federal student loan servicing
Problem with personal statement of dispute
Company Response: Closed with explanation
2019-02-07
CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: In XX/XX/2018 I completed the application for Public Service Loan Forgiveness ( PSFL ). I completed more than 10 years of employment with a qualifying nonprofit and made the required 120 payments. During the 10 years I reached out to my loan servicer ( Navient - Sallie Mae ) to make sure my loans were the right kind of loans and were eligible for PSLF. Each time I was told yes and given assurances that as soon as I completed 10 years, the loans would be forgiven because they were Federal Loans.
My application for PSLF was declined because my loans are in the wrong classification. Navient apologized for giving me incorrect information 4 different times and said I could consolidate my loans again and restart the process of 10 years of employment with a nonprofit and 120 more qualifying payments.
Navient knowingly committed fraud, and said they are unwilling to correctly classify the loans because that would be considered admitting fault which could make them liable for the loan balance. The have decided instead to call me every day with excuses. This is unacceptable. I understand why the Attorneys General for so many States are suing Navient for fraud.
Company Response: Closed with explanation
2019-02-07
Grosse Ile, MI
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Complaint: I had student loans via Sallie Mae, and now Navient took over. I am a XXXX XXXX XXXX in a XXXX XXXX building where ALL XXXX receive free lunch. I would hav qualified for all of my loans to be removed due to meeting all the qualifications for XXXX Loan Forgiveness. I have never been a day late and they charge 8.25 % daily interest rate. I will have paid over {$500000.00} in the end for an {$85000.00} loan. This is CRIMINAL in my eyes and in the eyes of many! Due to Sallie Mae/Navient being a private lender I was informed on 3 occasions that I don't qualify for the forgiveness. They refuse to work with you to lower interest rate also.
Company Response: Closed with explanation
2019-02-07
San Gabriel, CA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I've been paying on my student loans since XX/XX/2008 to present and every deferment every assistance that they give me increases my loan I have a loan that went from 70 something thousand dollars to {$120000.00} and navient is refusing to assist me. I'm currently on XXXX and still can not make payments nor was I even able to complete School XXXX XXXX closed before I could get my degree
Company Response: Closed with explanation
2019-02-07
Philadelphia, PA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: My complaint is about Navient. I have loans with them with two co-signers. I took out loans to attend college but I left college to go to XXXX school. My loans became due almost immediately after leaving XXXX XXXX. While in XXXX school I was not working and I was told that my Navient loan could go into deferment, however I was receiving calls about making payments to which I always responded that I am supposed to be in deferment. Upon completing XXXX school I could not sit for licensing because I could not pay the school loan and of course this became a horrible cycle. I could not get a job because I had no license and I could not get the license without paying back the school. In the mean time I let Navient know I had no income and was told I needed to do forbearance because my deferment option was exhausted. I had to pay {$150.00} to file a forbearance that lasted a month. Each time the loan came due and I wanted to file a forbearance I had to pay {$150.00}, which I had to borrow from family or friends. I was not given the option of an income-based repayment, which I found out later should have been an option. I was not offered an economic hardship deferment. There was no discussion about how to lower my payments Then in XXXX I asked specifically for a payment program that I could meet. The person I spoke to said I could send {$20.00} per month to avoid default. I sent {$20.00} per month for nearly a year before receiving a call from Navient stating that what I am paying is doing nothing for my account and I needed to pay more, which I could not afford as I was still not working. She said I might as well not send anything. Then I found out that I was actually kicked out of this payment program and my loan was in default. Navient began calling and sending letters and harassed my ailing grandmother who is almost XXXX years old. She is a co-signer from XXXX but now on a fixed income and sickly. She was so fearful it made her sicker but Navient would not help me to release her from my loan so that she would not be harassed. As stated above, in the end my loan went into default and then I started receiving bills from XXXX, XXXX XXXX XXXX XXXX, XXXX with what appears to be inflated amounts of each loan. At this time I am still trying to pay back XXXX XXXX XXXX to sit for licensing so that I can get a job.
Company Response: Closed with explanation
2019-02-07
Jupiter, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I have reached out to Navient concerning the ability to benefit back in XXXX and also sometime in XX/XX/XXXX and also XX/XX/XXXX. I was advise that I didnt qualify because I self proclaimed I had a high school diploma. When I sent over documents that was requested I sent over my my high school transcripts as well to show I had not diploma at the time when I attended the school the school I got my loan for.
Company Response: Closed with explanation
2019-02-07
Memphis, TN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: TO WHOM THIS MAY CONCERN : ON XX/XX/XXXX, I CONTACTED NAVIENT STUDENT LOANS AND I WAS CONNECTED WITH A YOUNG FELLOW. ALL OF MY CALLS ARE RECORDED DUE TO THE TYPE OF APPS I HAVE ON MY PHONE, WHEN IT WAS PURCHASE. EVERYTHING THAT THE GUY ASKED FOR, I TOLD HIM. I EXPLAINED TO HIM THAT I WAS ON WEDGE EARNER AND MY STUDENT LOANS WHERE ADDED TO THE WEDGE EARNER, LAST XX/XX/XXXX. HE DID'NT WAN NA HEAR THAT. I ASKED TO SPEAK WITH AN SUPERVISOR, AND HE WENT ON TO SAY, THEY ARE GON NA TELL YOU THE SAME THING, I THEN REPEATED MY SELF SEVERAL TIMES AND FINALLY HE NEVER SAID HOLD ON, I I HEARD MUSIC AND ASSUMED HE WAS PLACED ME ON HOLD. HE WAS VERY RUDE AS WELL AS YELLING AT ME STATING '' HE DID NOT GIVE ME PERMISSION TO RECORD HIS CALL ''. AFTER BEING ON HOLD FOR ALMOST 1O MINS ( RECORDED ) HE THEN TRANSFERRED ME TO A DIFFERENT CUSTOMER SERVICE MEMBER INSTEAD OF A SUPERVISOR THEN I HAD TO WAIT AN ADDITIONAL 10 MIN TO SPEAK WITH SOMEONE ELSE. MY HOLD PHONE CONVERSATION WAS RECORDED. IF HE ACTED LIKE THAT WITH ME, THERE'S NO TELLING WHO ELSE HE HAS ACTED THIS WAY WITH.I 'M TRYING TO LET YOU ALL HANDLE IT FIRST BEFORE TAKING IT FURTHER TO COURT. MY CALL BACK NUMBER IS XXXX. AGAIN, NO ONE SHOULD HAVE TO EXPERIENCE THIS KIND OF BEHAVIOR TOWARDS ANYONE. I REMAIN PROFESSIONAL AND MANNERABLE, BUT HE DID NOT.
Company Response: Closed with explanation
2019-02-07
TX
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: When I began school I received a student loan from Sallie Mae which is now Navient.
I was told that my loan could be consolidated and I would not have to pay until I completed school. My loan was consolidated to a lower rate through then Sallie Mae. I was told that if I paid the loan amounts and was not late with any payments and remained in public service for 10 years and was never late my loan would be forgiven. I did this, I was never late and I worked and stayed in XXXX work for over 10 years and am still working in XXXX work. I delayed retirement so that I could receive forgiveness and my balance would be forgiven, like teachers and other government workers as stated in the paperwork I received. I applied for forgiveness and was told my loan didn't qualify because it was the wrong type of loan, 15 years later. This is not right I was never told that certain types of loans and lenders would disqualify me for forgiveness. I had no knowledge in this. I understand that I am not the only one and that lawsuits have been filed regarding this fraud. I have contacted everyone I know to contact to have this issue corrected. Effective this month ( XX/XX/XXXX ) my monthly payments have tripled. I will not be able to pay this loan off and delayed retirement. The interest accumulated and now I owe 3 times as much as the original loan. There should always be a program or forgiveness when someone risks their life for the community. I am a spouse of a veteran of the XXXX and XXXX XXXX wars and have always done the right thing. Now you need to do the right thing. Retiring should always be given a reduced amount to pay. or forgiveness. I earned my education and used it for the good of the country. Stop this craziness I paid for most of my education but some of it I could not. I don't want to be punished.I don't want to be a used or ignored. I just want what is due because I followed the rules. Now you need to follow the rules.
Company Response: Closed with explanation