Navient Solutions, LLC.

2019-01-28

Garland, TX

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-01-28

Plain View, VA

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX v. XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} acct : ending in XXXX XXXX ( XXXX ) c/o XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- There were two credit accounts during this period acct 1 : ending in XXXX acct 2 : ending in XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- acct : ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Addendum : XXXX-XXXX XXXX ( XXXX XXXX ) acct : XXXX XXXX-XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( multiple loans consolidated into one, however I have approximately 24 pages of student loans showing on my credit report. XXXX will show that payments to the XXXX XXXX XXXX XXXX began in XX/XX/XXXX and likely deferred/forbearance request in XX/XX/XXXX or thereafter ; with initial loan taken out in XX/XX/XXXX at XXXX ) XXXX ( landline ( XX/XX/XXXX ) and cell ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) contract is attached with evidence that there was a prior XXXX purchase in the year XX/XX/XXXX ( XXXX XXXX XXXX ) and evidence showing being paid on XXXX statement. XXXX XXXX receipt attached ( prior inquiry XX/XX/XXXX or prior ) XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-01-28

MI

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Good afternoon, I am not sure where to begin or how to handle this. I got a student loan XX/XX/XXXX, was making payments had some money issues and was in forbearance and continued with payments after the forbearance cycle. XX/XX/XXXX My husband and I filed Chapter XXXX Bankruptcy and in this bankruptcy was my student loan with XXXX XXXX XXXX/XXXX for the remainder of my loan {$1400.00}. Per the paperwork from my attorney the student loan was included. Our bankruptcy has been discharged as of XX/XX/XXXX. On XX/XX/XXXX I received a letter from Navient that my student loan was now being serviced by Navient. I contacted them via telephone, XX/XX/XXXX, spoke with a XXXX and she informed me that my loan was my responsibility. I asked how that could be when my student loan was included and paid through my bankruptcy. I asked her to investigate this a little more for me as she could not answer my questions. My first payment was due XX/XX/XXXX, total unpaid balance was {$1800.00}. I made 2 months of payments XXXX and XXXX, I did not not want them to reflect negative on my credit report. Still waiting for a response to my questions from my phone call to Navient. I have now received a letter from Navient XX/XX/XXXX, that my student loan was paid in full, the very next day I received a refund check of the payments I had made in XXXX and XXXX. I was thankful for this after speaking with XXXX I thought they had rectified this account with the bankruptcy courts and the fact that I am trying to get us on good credit standing since finishing bankruptcy. Now as of last week I received another Statement from Navient dated XX/XX/XXXX stating my loan amount is {$1800.00} and payments are due starting in XXXX. I called Navient XX/XX/XXXX spoke with XXXX, after he reviewed my account he informed me the letter stating i was paid in full was sent to me in error?? why and how was not explained, I stated this was paid through bankruptcy and he stated it was my responsibility and they could not help me with anything even though the letter was sent in error they were not willing to work with me. I don't believe I owe this balance and do not know where to begin to fight this. I am hoping you can help me with some advice. Please and Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2019-01-28

Tarzana, CA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I had informed the Business they have the wrong person and no debt on my end but they keep calling my cell phone every day. I did block the number but they leave messages daily.
Company Response: Closed with explanation

Timely Response

2019-01-27

Alhambra, CA

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-01-27

Defiance, OH

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

Timely Response

2019-01-27

MD

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Recently me and my mother consolidated our loans and there was an agreement. Then I received a letter of litigation saying that they will move to wage garnishment if i dont make a payment. Although my loans are in forebearance for the next 6 months after talking to my mother and taking payments from my mothers account who isnt my original co-signer. Then Im already tied up financially with my federal loans with a wage garnishment already on my paychecks and this has been expressed to Navient and I am still getting hounded and have no idea what to do because after my bills I do not have enough to pay the monthly loan amount.
Company Response: Closed with explanation

Timely Response

2019-01-26

WV

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: Contacted Navient as I was placed on XXXX XXXX in support of XXXX XXXX with the XXXX XXXX XX/XX/2018. Navient has harassed my children former spouse elderly and XXXX parents and my sister 's. They have called over 100 times. I have contacted Navient and was told if I pay them XXXX ASAP they will clear the Loa s and Mark paid In full. I have submitted military XXXX and the amended extension which Navientsaid they never received. I told Navient with Being on XXXX how was I suppose to get that amount of funds as I am on military XXXX. Navient told me to borrow the money from my family. I tried telling them the .oans shoj , d have been placed under protection while I am on XXXX XXXX XXXX. I pleaded with them to please not call my family as when they get a call and hear my name they assume the worse and something had happened to me. Please assist and advise. Navient told me they can resort to any means they see fit to get a hold of me and regardless if pay me d 's are Being made the payments are not the full payment amount that if I bad a car I would owe a certain amount so I need to pay.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-26

Albany, NY

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-01-26

North Prosser, WA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I have an IDR plan that I have been trying to renew for weeks I have submitted the IDR paperwork twice. I have sent Navient 4 emails - I have never received a response from Navient. Now they are saying my loans are 2 days late. In the past they hid the email form on their website making it almost impossible to find. Now it is impossible to find. I've been looking for an hour. Navient is a highly unethical company. My loans are now late because they refuse to communicate with me about renewing my IDR.
Company Response: Closed with explanation

Timely Response

2019-01-26

Lafayette Hl, PA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have a student loan with Navient. I've been paying on it for 5+ years and my balance has not decreased. I feel this is a negative amortization loan and I was not aware of that. I also think that certain payments I have made have not been applied correctly to my principal. I looked at the payment history and none of my regular payments have any portion applied to my principal. If I want to refinance this loan to another lender then the balance I transfer is higher than it should be after paying for 5 years. All I've been doing is paying interest and my principal has not decreased.
Company Response: Closed with explanation

Timely Response

2019-01-26

Fleming, GA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-01-26

Odenton, MD

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2019-01-26

Woodland, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: In XX/XX/2017, I submitted a complaint against this company ( Case number XXXX-XXXX ) regarding miscalculations of payments they had made on my loan payments. They continue to make errors on my loans and cause harm to me financially. Today, I received an email that my loan payments will be going up over {$100.00} per month due to Navient 's error of supposedly not applying capitalized interest from a forebearance to my loans when they entered repayment. Apparently, the " close review '' they did of my account in XX/XX/2017 didn't catch this error. Now, SIX YEARS into repayment I am told I owe more money and they are going to take it. This is ludicrous! If this kind of debt collection practice is allowed, what is to stop this company from reaching out to borrowers decades after they begin repayment and allege the borrower owes more? Four of my loans have been paid in full ; are they going to come back and tell me that they were wrong in that calculation and proceed as if I never paid anything? This can not be legal, and it must not be allowed. IF there was an error, which I doubt as I see an application of over {$2000.00} of capitalized interest to my loans on the date repayment began, Navient should have to eat the loss for their own error.
Company Response: Closed with explanation

Timely Response

2019-01-25

Mount Pleasant, SC

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

2019-01-25

Blue Springs, MO

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-01-25

Vero Beach, FL

Problem with fraud alerts or security freezes

Student loan: Federal student loan servicing

Company Response: Closed with non-monetary relief

Timely Response

2019-01-25

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX IRS Tax {$13000.00}. Please send my file back to the IRS Fraud dept and please contact the Secret Service ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-25

Caro, MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-01-25

Seligman, AZ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-01-25

Jacksonville, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2019-01-25

ME

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have been making monthly payments for Plus loans for my daughter 's education. Between last month, XX/XX/2018 and the current month,XX/XX/XXXX, Navient placed all loans into deferment without my permission. My daughter is a married XXXX year old who recently went back to school for her XXXX XXXX. She is employed by a corporation that pays for her education. She has not taken any additional loans. I believe Navient is extremely predatory in servicing of student loans. Navient is able to find out that my daughter is taking a college class toward her XXXX XXXX, and have the ability to place loans into deferment without permission. Navient also placed my daughter 's Direct Loans into deferment as well. All automatic payments were cancelled by Navient without permission. Navient also changed my original repayment agreement without my permission. Thank you, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-01-25

Raymond, NH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: I am reporting a student loan scam. I got a voicemail on XX/XX/2019 at XXXX ( from a robot named " XXXX '' ). She told me, " ... your student loans have been excepted into the Navient Settlement and are now subject to complete loan forgiveness ... ''. The phone number is XXXX and my " reference number '' is XXXX. I've called them twice and have been hung up both times, because I said I wanted to think about it and call back. The second guy I talked to was named " XXXX ''. I kept asking him what the name of the company was and he just kept telling me they were one of three Financial Preparation Enrollment Centers in the U.S..
Company Response: Closed with explanation

Timely Response

2019-01-25

Eastchester, NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have had the loan for ten years now, i have never been able to pay the loan balance down and the loan has doubled in size ever since. I have never gotten correct information regarding my loan and was never advised or told how changing the due date would affect my payments and make them late. I was enrolled in a rate reduction program and never see my loan balance decrease. I would like to know how my payments are being applied. I recently lost my job and they told me i had no options and nothing they could do for me. Even though i make payments i get harassing calls all day long, and letters. I am paying XXXX a month, but i also get a bill to my house for XXXX dollars which i dont understand. i feel i have been defrauded by this company and have been paying for the last 10 years and my balance has gone up by 59 %. ON many occasions i have been told no, i cant be helped no and i am still getting charged for things im un aware of in ten years my balance has never gone down.
Company Response: Closed with explanation

Timely Response

2019-01-25

LA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have been dealing with Navient to make student loans payments. Since XXXX I have notified Navient of my correct address. However, as recent as XXXX Navient representatives have indicated they have a separate address that I have never given anyone on any students loan document. How can I know what I am suppose to pay or what should be paid if I have not received proper notice via US Mail or email? This has resulted in loans becoming defaulted and credit score being negatively impacted. On at least two separate occasions ( XXXX and XXXX ) I have provided the correct mailing and email address information to me.
Company Response: Closed with explanation

Timely Response