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 130
2019-01-30
San Antonio, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-01-30
Bloomfield, NJ
Incorrect information on your report
Student loan: Federal student loan servicing
Information belongs to someone else
Company Response: Closed with explanation
2019-01-30
Cedar Mill, OR
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2019-01-30
DC
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: On XX/XX/2019, Navient called to collect on my student loan and I explained that I don't have any money. They said that the only repayment option for me was to pay {$50.00} before they could defer my payments. I asked to speak with a supervisor and the supervisor was even less forthcoming with options for deferment or repayment. He offered my no options, the only option he offered was repayment. He did say they would stop the phone calls but that was all they could do. I then went online and saw that there was an option for deferment that required no payment upfront. I have deferred loans in the past and I have never been told that I have to pay before they would defer my loans.
Company Response: Closed with explanation
2019-01-30
Occoquan, VA
Incorrect information on your report
Student loan: Private student loan
Account status incorrect
Complaint: For the past 4 months, Navient has been reporting delinquent to all credit bureau on my student loans. However, I was placed in a payment plan back in XX/XX/XXXX for the amount of {$220.00}. I made a payment the day of the agreement to bring my account current. For the past 3-4 months, Navient has withdrew the amount of {$220.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. For those consecutive months, I've been getting hit with negative points on my XXXX. I called to investigate and supposedly I was kicked out the program and arrangement I had made but yet money was still being taken out my account. My question is why would they continue to take money out my account if I was taken out the arrangement that was made for the {$220.00}? So I decided to STOP all payment to Navient until the issue is solve. Either way my XXXX is suffering. I think it's unfair and bad business practice. The whole point of me making the payments is to help my cripple credit score in the first place. So unfair!!!
Company Response: Closed with explanation
2019-01-30
WA
Communication tactics
Debt collection: Private student loan debt
You told them to stop contacting you, but they keep trying
Complaint: I have attempted to get an income based payment plan for my private student loan with Navient. I want to pay but I can not afford to pay $ XXXX+ each month. I was on the program before but when a year went by, I was told I could no longer be on that program because it was for one year only. I had a hard time making my XX/XX/XXXX/XX/XX/XXXX payment. I called in on XX/XX/2019 trying to see what options I had. I was told that because I could not make a payment in XX/XX/XXXX, to call back on XX/XX/XXXX and they could see what we could do. Navient has been calling both me and my parents 6-7 times per day harassing us because the payment has not been made. I called in again and spoke to another individual. I told him to stop calling us because it was harassment. He then fired back that, " We can call you as many times as we want. '' When I asked him to at least stop calling my parents, he said, " We can call who we want as many times as we want. '' This is just pathetic. When I have issues with my Federal Loans, they take the time to help me and figure out what to do next. Navient as a company is a BULLY. I don't appreciate being harassed and I want it to stop. I'm willing to pay my loan ( I have to ) but they should work with me in my current financial situation. Even if I could just get it down to {$100.00} per month. That would help a great deal ... but the harassment needs to stop now
Company Response: Closed with explanation
2019-01-30
Dallas, TX
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: I was told that I could not request a lower payment or request a deferment for the student loan sometime after XX/XX/XXXX. I was out of work from XX/XX/XXXX-XX/XX/XXXX. The payments stayed around {$400.00} or more dollars the entire time of the loan. I request for lower payments because my total student loans were over the minimum percentage of my income. Sallie Mae still refused to lower my payments. As life happen and I to pay for emergencies and necessities over a {$400.00} student loan. When I did get scholarships to help pay for my student loans, Sallie Mae did not take the amount to my principal but to my interest. Therefore the scholarships were worthless because it would only cover about 3-4 months of payments.
I took FMLA recently and was unable to make any type of payments. I can provide documentation if need be. Before I knew it, my entire student loan was sent to an aggressive collection agency called XXXX. They have contacted my work via phone calls and emails.
The majority of the amount I owe is mostly from interest accrued not the principal. I wish I had never gone to this college and gotten into this undying debt.
These interest rate calculations for these students loans are pathetic!
Company Response: Closed with explanation
2019-01-30
Oxford, GA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: When I graduated from XXXX school in XX/XX/XXXX, I had accrued {$93000.00} in student loan debt ( combined federal and private, both serviced by Navient until XX/XX/XXXX, which is when my federal loans went to XXXX XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I was a XXXX XXXX XXXX serving abroad. As XXXX don't make money, I contacted Navient for help. They told me XXXX aren't eligible for any kind of loan deferment, but I could go on an IBR plan that would be {$0.00} given my income of {$0.00}. I tried to do just that. I uploaded the proof of service to Navient 's website over and over again. I called them over and over again and they tell me the same thing : upload this public service form and everything will get sorted out. Finally, I figured out that I was egregiously behind on payments because of how long this was taking. I call them again and they tell me ( FINALLY ) that they actually need a pay stub to prove my current XXXX service. I explain that XXXX do not get pay stubs because we do not get paid. Period. They then told me my only option was forbearance. I went into forbearance for over two years. To give you an idea of the catastrophic damage this has done to my life, let me show you these numbers : I borrowed about {$93000.00}, I have since paid back over {$32000.00}, and now I currently owe over {$100000.00}. Navient put me in this hole on purpose.
When I returned and got a job with the XXXX XXXX in XX/XX/XXXX, I had my federal loans go to XXXX XXXX, but my problems with Navient continue. My private loans are still serviced by them and they have been playing dirty business tactics. I submitted two payments to Navient in XX/XX/XXXX ( despite being a XXXX XXXX XXXX at the time ). I got confirmation emails that both payments were received. My online account on Navient 's website says both payments were received. It still says that right now. But today I got a call from Navient saying those payments didn't work and now I had late fees associated with it. This is dirty, dirty, dirty. I sent screenshots to Navient showing that my account with them says the payments went through, but they maintain that I should have figured out that their website is garbage.
Company Response: Closed with explanation
2019-01-30
Milwaukee, WI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: My federal subsidized and unsubsidized student loans ( 6 total loans, 3 subsididized, 3 unsubsidized ) have transferred administration twice, and have been with Navient for a few years. I have religiously paid over the amount of my monthly payment after capitalized interest affected my account. However, the amount that I owe monthly increases every six months, and I am not able to get my online account to match the tax statements sent yearly. See below running total for XX/XX/XXXX alone - after logging in 4 times, my total balance has changed each time. When I have asked for a physical statement in the mail that showed my running balance over time, I received one that did not show my running balance. When I called to ask how my capitalized interest payments were applied, I was told that my principle amount was decreasing slowly, but steadily, and that my payments fluctuated based on the current market.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Company Response: Closed with explanation
2019-01-29
Bloomfield, CT
Communication tactics
Debt collection: Private student loan debt
You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-29
Kendall, FL
Written notification about debt
Debt collection: Private student loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-01-29
Bellaire, TX
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Complaint: I have in the past attempted to contact Navient concerning my student loans with mostly negative results. I am now convinced that unfortunately this company is in the business of making money off of student loan debt at all cost and not fairly providing resources to assist individuals with loan repayments.
I recently tried again before filing this complaint to contact Navient on XX/XX/XXXX to get information concerning 3 private loans : Loan XXXX XXXX XXXX, Loan XXXX XXXX XXXX, and Loan XXXX XXXX XXXX. I asked the representative if I could have in writing an explanation of late fees charged as well as when they claimed I fell behind in payments. The representative could not or would not provide that information, but instead wanted to read me a threatening statement that one of the loans would become delinquent. I have been provided no information regarding the process of delinquency or what triggers it or how many payments late you have to miss to become delinquent. In addition, I was told I could make a " good faith payment '' of XXXX dollars on one of the loans. Even though I feel that the loan has been mishandled, and have not received any explanation for the current late fees, I did in fact make the payment.
As far back as XX/XX/XXXX or XXXX ( again unable to get Navient to do an honest review of my account history so not sure of exact date ) I gave a financial statement and I agreed to a payment plan specifically for the private loans in question which I was told would absorb all the late fees and the representative at the time stated that my loans would become current. I continued to make payments with no issues until they ended the repayment plan with no explanation. I have attempted to get an understanding as to why a payment plan that was working was ended and Navient has been unwilling to provide a reason. Almost immediately the loans became late again which if they had been made current and I was making payments why would they automatically be late with fees owed?
A portion of the private loans in questions, I have paid and brought current ( again with unexplained fees and late payment amounts ) which there again speaks to my consistency with making monthly payments. I have a consistent record of making payments, and the private loans are the only loans that have continued to be mishandled. I have reason to believe that Navient could be deliberately trying to force me to default on a private loan in order to take legal action against me in a retaliatory move given the hostile communications I have had with them. The company is extremely abusive in it's practices which includes nonstop calls and harassment by representatives.
It is clear that Navient, in it's desperation to exploit loan borrowers and recoup money off their debt, encourage their representatives to be abusive and to strong arm individuals into repayment plans that only benefit Navient but are an unreasonable burden on the borrower. They have no interest in working with borrower, but have a predetermined approach to pursue in each case. In addition, I believe Navient deliberately withheld information concerning loan repayment options, and has attempted to coerce me into providing information about my financial situation to exploit me financially. I have also experienced abuse from the call representatives who use financial threats but refuse to provide details about loans. Navient has continued to claim that they want to assist the individual with loan repayments, but they offer no substantial or flexible opportunities to do so.
Navient clearly believes that they can continue to get away with these predatory practices. I can not speak for all loan borrowers, but I have proven that I have every intention to pay my student loan debt. I am filing this complaint against Navient due to it's extremely unethical behavior and it's lack of transparency concerning their handling of my private student loans.
Company Response: Closed with explanation
2019-01-29
Three Bridges, NJ
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2019-01-29
Okc, OK
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Company Response: Closed with explanation
2019-01-29
Mesa, AZ
Attempts to collect debt not owed
Debt collection: Private student loan debt
Debt was paid
Company Response: Closed with explanation
2019-01-29
NJ
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I was never made aware by Navient when they took over my Direct Loans that I would no longer qualify for the public service loan forgiveness program.
Company Response: Closed with explanation
2019-01-29
Brentwood, TN
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: Applied for income based renewal within the time frame giving them at least 2 weeks to process it before it returned to the whole amount. I have it in automatic payments and this last payment they took the entire amount of {$670.00}. This caused an overdraft of my account and they will not return the payment.
Company Response: Closed with explanation
2019-01-29
Decatur, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: XXXX ripped me off. The made me believe that my total debt for the school loan would be {$40000.00}. Considering that I earned an XXXX and a XXXX XXXX that I owed less than {$17000.00} on, I thought that the {$40000.00} would not be bad due to the fact that I did not have excessive student loan debt. As a single woman and a XXXX I strongly considered the loan amount/debt. XXXX continued to encourage me to take out loans and they took forever to get through the dissertation process. This school is a money pit. The closer I got to depletion my funds for a loan the school decided to concoct a story staing that I had plagerised. I was near the end of the program. Why would I purposely do such a thing? I would not. I went to a hearing to let the school know that I was ill and had been in the emergency room the week of the XXXX Exam ( which is what they said I cheated on ). I showed them the documentation. According to my credit report my student loan balance is over {$400000.00}. As a single XXXX I would never put myself in harms way like this. This student loan debt on my credit report is preventing me from living. I am unable to secure a loan for a home or car. It ; s stopped me from doing many things. To make matters worse, I did not even attain a degree from this school. XXXX XXXX robbed me and I want my money back.
Company Response: Closed with explanation
2019-01-29
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I graduated with my XXXX XXXX in XXXX XXXX studies and started paying off my student loans in XX/XX/XXXX. Initially my loan was with Sallie Mae ( now Navient ) and it is now with XXXX XXXX. When I discussed my repayment options with Sallie Mae on numerous occasions, they always insisted I repay my loans using the standard payment plan and discouraged me from the income driven plan. They told me I would pay my loan off faster if I did the standard plan and encouraged me to pay more on top of the monthly payments when it was feasible for me. They did not present the public service loan forgiveness program as an option to me, even though I was clearly working in the public service department as a XXXX XXXX.
I honored that plan, making my payments timely and in full over almost 6 years, even paying extra principal whenever I could spare, trying my best to get ahead as they advised.
In XX/XX/XXXX I discovered the Public Service Loan Forgiveness ( PSLF ) program and contacted my current loan company, XXXX XXXX. They explained I would qualify if I simply switched to an income driven repayment plan. I immediately changed my payment plan, applied for the PSLF program and qualified.
In retrospect, I was paying considerably MORE on a monthly basis and at a higher interest rate ( even without the additional principal I was trying to pay ), in the Standard Repayment Plan then I would have had I been enrolled in the Income Based plan from the start. Let alone the fact that I would have been accumulating credited time towards loan forgiveness. Had I been properly informed of my options, this one plan in particular, I clearly would have gone this route.
When I was told by my loan company and PSLF that there was nothing they could do to for the 5+ years I lost out from participating, I contacted my lawyer who directed me to our state congressman, XXXX XXXX XXXX I explained to him that the previous 5+ years of loan repayment did not fall under the strict guidelines currently in place for eligibility of the PSLF program and I was interested in the possibility of the guidelines being amended going forward and possibly on a retro-active basis. Unfortunately, they were unable to help.
I have recently discovered that I am one of many individuals that were wrongly advised by Sallie Mae ( now Navient ). If it wasnt for their misguidance to convince me to pay more using the standard loan repayment plan and steer me away from the income based plan, I would have qualified for PSLF 9 years ago. Not only would I have saved money a monthly basis, but I would qualify for complete loan forgiveness later this year. Instead I have paid thousands of dollars more than necessary and will be paying off my loans for an additional 5+ years. I have struggled at times to make my payments but have always made the sacrifice and kept it a priority. It is wildly unethical what Sallie Mae/Navient has done to me and apparently many others. Clearly they mislead customers like me for their own profit. Before I continue to pursue this legally, I thought it would be beneficial to make a formal complaint to your department.
Company Response: Closed with explanation
2019-01-29
NH
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: On XX/XX/XXXX my loan was sold to Navient from SallieMae. Like many others struggling to pay loans, I entered into Interest only repayment for the maximum time allowed by Navient.
Following the end of the Interest Only repayment period, beginning XX/XX/XXXX until XX/XX/XXXX, payments that I made in the amount of {$410.00} were distributed to my loan in such a way that there was no consistency with the amounts paid towards interest and principal from month to month.
One example : XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$160.00} Applied to Principal : {$250.00} XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$410.00} Applied to Principal : {$0.00} XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$100.00} Applied to Principal : {$300.00} This continued until XX/XX/XXXX when I once again had to enter into Interest Only repayment ; the only option that I was told was available to me in order to be able to pay my loan.
Company Response: Closed with explanation
2019-01-29
Grand View, ID
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: In 2009, i went to school for XXXX XXXX and finished school. The problem is that the financial side of the institute gave out loans that were compiled daily in the Federal side of Government. I signed a loan for {$20000.00} with a co-signer and the interest daily was 3 % & now 9 %.
The woman I spoke to told me that my payments were to be {$350.00} a month and & I made those payments for 2 years & the loan with the interest would go down, but only kept climbing instead of decreasing. My loan now is over 70,000 approximately. It has now gone to collections with a company Navient has chosen. I have no Idea how to climb out of this one. I only make {$12.00} an hour and am trying to live at the same time. This is a loan that Navient should have never had in their company. It has only done harm then good.
Company Response: Closed with explanation
2019-01-29
Beyersville, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I am in the process of repayment under an income based repayment plan. Upon renewal, I submitted the application but the information was input as deferment/forbearance instead of renewal. I then began to receive calls about information I had already submitted. My monthly payments then doubled beyond what my income can support, and I was unable to make online payment as I did the prior month. I am in the process of resubmitting this information again but the web-site has changed and is less friendly than before. I am now having to mail this information, prolonging the handling time
Company Response: Closed with explanation
2019-01-29
IL
False statements or representation
Debt collection: Private student loan debt
Attempted to collect wrong amount
Complaint: I am currently XXXX and being supported. I got behind on my payments and called on XX/XX/2019 to see what could be done in order to lower my payments so that I could not get further behind on my loans. I gave them all my financial details and told them how much I could afford to pay. They determined that I could afford more and so told me what the " lowest '' possible payments could be ( enough though it was beyond what I could actually afford ). I sacrificed making other bill payments and also sacrificed groceries in order to come up with the payments that they are expecting me to make. I gave them my banking details and agreed to {$130.00} payments. I get a phone call today ( XX/XX/2019 ) AFTER my first payment was made ( XX/XX/2019 ) and was told that their representative gave me the wrong information ( interest rate ) and that I needed to pay MORE ( higher interest rate ) if I wanted to be accepted into the reduced payment plan.
Company Response: Closed with explanation
2019-01-29
Liverpool, TX
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: First - the loans where fraudulent!
XXXX XXXX XXXX XXXX pushed loans on us to satisfy the schools enormous fees and tuition.
They recruited me from a reputable XXXX XXXX School in Idaho where the fees per semester where {$1200.00}.
The school/personnel sold lies and deceit to get me to recruit me, and keep me there.
They said don't worries about the fees, we can get you the money, you'll make 100+ right out of school, and they did everything in their power not to accept transfer credits to lighten the loan.
Furthermore, after the federal loans where made the pushed on me the private loans even without a cosigner and with XXXX fees. I was young and unaware of the consequences since I believed everything sold to me.
Now, after school was over I was offered a job ( official for {$14.00} hr ). I was offended and appalled!! I negotiated {$40.00} k a year and that was only because I was top honor of the entire school and had leverage. But even that much was significantly lower than what was seen out in the market.
I would have made more being a sales person at XXXX XXXX or an office secretary.
At this time we truly considered the absolute deceit and unfortunate circumstance we were in and decided that I had to return to school to get a better career!
Meanwhile, I have applied for the borrowers defense for the federal loans to be discharged ( still pending but should go through ). XXXX XXXX XXXX XXXX ( who owned XXXX XXXX XXXX XXXX and other For-Profit-Schools ) was litigated and judge XX/XX/2019 as to forgive existing debt they hold ( {$490.00} million ) for student loans they own for students who attended their school. For me my loans where sold off to Sallie Maie/Navient.
Now the Navient loans were not in the lawsuit but my contention is they were fraudulent just list the loans XXXX held and the Federal Loans given under that same school.
I am still in school with training and with a husband with now job and XXXX kids and with a negative cash flow, Navient is calling me daily at my work and family and friends to get me to pay something I can't and shouldn't because of the fraud!!!
I feel like I am not protected in anyway and have no where to turn. My loans have not been address either with Navient or through an existing lawsuit.
I don't believe Navient has given me options adequate enough to the fraudulent loans to feel comfortable.
I have XXXX in debt with them and they wanted to settle for XXXX. The problem is I can't pay what they're asking and have no place to get it. Let alone I don't think it's right especially considering what they've done. I think the loan in some way should have been discharged because of the terrible practices by both the school and Navient.
Furthermore Navient Solutions is looking for something that works for them and not me. Of course the agent on the end of the line gets a piece of what they settle and that's how they're paid but I feel strongly that I shouldn't pay anything!
I will offer today XX/XX/2019 to settle for $ XXXX which comes from a credit card of my husband, some from what little cash we have at the bank and some from a family member.
Other issues as a result of all this is a XXXX attending me. I am on some XXXX and XXXX medication and I feel trapped!
Additionally when I decided to switch careers as a result of how I was burned and lied to, I choose to XXXX. I was fortunate enough to get accepted and graduated from XXXX school at XXXX in XXXX. I am there now as a 2nd year resident. Navient Solutions knows this and are hassling my work and co-workers to cause pressure on me.
Furthermore they know I'll make money in 4 years and are asking me to come up with XXXX wtih the remaining to be paid at the end of 4 years. This is their leverage but again - because of the fraud I feel like Navient and like XXXX are cheating me again.
Anyhow these are multiples issues but the largest one - these loans being requested of me to pay on are fraudulent and I don't know what to do next.!
Company Response: Closed with explanation
2019-01-29
Hampton, VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I graduated from XXXX XXXX University in XX/XX/XXXX. My loan servicing company cant give me any information on when they originally received my loan. I was steered in the direction of forbearance for all these years with years of incurred interest. My loan my was around 15,000, now is XXXX the majority of the total is interest. I will be begin to pay this loan in XX/XX/XXXX. These loans were taken out in XX/XX/XXXX.
Company Response: Closed with explanation