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 133
2019-01-25
Indianapolis, IN
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: To Whom It May Concern : This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy and/or completeness of information you have posted to my credit file.
I am sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623.
On separate occasions, I have disputed with all credit bureaus ( XXXX, XXXX, and XXXX included ) pertaining student loans for the date of last activity, payment history, status and the disputes returned verified. After some further investigation on my part, I am also concerned that this account is reporting to XXXX, XXXX, and XXXX is inaccurate and incomplete.
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), 16 CFR 660.4, this Notice of Direct dispute includes the following : -Payments history is inaccurate and incomplete Please not documents 1 and 2 as well as the loan numbers correlating to the accounts below
Company Response: Closed with explanation
2019-01-25
WI
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I have been having issues with Navient for a couple of years now. It gets old having to be paying one loan company then get switched to another. The school that I was attending was online and there is no way I can get information from them. It's like they don't exsist. I was doing good at repaying my loans then had some health issues that has not allowed me to work. I am a XXXX XXXX XXXX mom and take care of XXXX kids. I have no income coming in that is why I have been doing forbearances. In the past I was put on an income based plan, but now I don't work. I can't consolidate my loans to lower my payments. I have sent forms in for discharge of school loans due to my school isn't available online, and I haven't recieved anything back from the loan services. I have even sent emails and had no response. I wanted help to get figure out what I can do with my loans since I don't have any income coming in. The school that I attended kept taking out money from my loans and I wasn't even attending school anymore. There were also books and supplies that I never recieved and they still took money out. I have heard many complaints about Navient. It seems like every time the loan services switch the loans keep getting bigger. I want to get the resolved soon instead of having the student loans reach a point to where it isn't possible to pay back. Having my loans discharged would be great since I can't get any information that I need on XXXX XXXX online.
Company Response: Closed with explanation
2019-01-25
AZ
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I had negotiated in good faith a repayment plan at a low 1 % rate to payback of my loan. After 6 months of making this payment plan, I noticed online that I was reverted back to the original high-interest rate. I called Navient and was told that I would need to renegotiate the loan rate and amount ever 6 months and that the rate would increase incrementally higher as they saw fit. After a second renegotiation of the loan, they said I was making to much money ( nothing had changed in the last 6 months financially for me ) and that I would have to wait a month and try again. In the meantime, I am paying high-interest rates and fees. On the third negotiation attempt after receiving a " make us an offer '' letter in the mail saying that no reasonable offer would be refused for a one-time payoff or installment payments. I was told that that was just an inaccurate letter and that the information on the letter was incomplete and that certain criteria that need to be met. I was also told as this was my XXXX number of repayment plan request that now I had to send in three months of banks statements and payroll statements, which was never mentioned before. They are telling me that they can not give me my original 1 % interest payment and now have raised the monthly payment more because that plan that I was no longer being offered. Nothing about the letter was really for real it was very misleading and only makes this debt impossible to payback. These private student loans are creating the new indentured servitude of the 21st century. I am so frustrated with this company and its predatory loan practices. Navient is making it impossible for me to get another loan because they have driven my FICA score so low. Please Help
Company Response: Closed with explanation
2019-01-24
Corinth, TX
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-01-24
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
2019-01-24
Lansing, MI
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Company Response: Closed with explanation
2019-01-24
Bristol, CA
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
2019-01-24
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-01-24
VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I received the payment booklet on XX/XX/2018 from Navient the loan payment is due as of XX/XX/2018, for the amount of XXXX. I started to make the payment as of XX/XX/2018 a week, and I began to pay {$500.00} a week ahead of the due date until today.
Navinet falsely reported to the credit bureau that I have a late fee on XXXX, amount of {$21.00}, XXXX {$21.00}, XXXX, $ XXXX XXXX XXXX.
I contacted them on XXXX, XXXX, XX/XX/2018 and requested the explanation for why reported the late fee while I am paying more than the minimum amount, and although the booklet begins as of XX/XX/2018, I started as of XXXX and making the payment a week ahead of time.
Now again Navient reported to the credit bureau, that I have late on the payment. I have my record which is an indication they received ahead of the due date for more than the minimum amount. I am sick of tired of calling and talking to many clueless people.
The problem is these people are, answered the call either from XXXX or the XXXX. I am a federal government employee, and such a false reporting will impact my job.
Company Response: Closed with explanation
2019-01-24
Washington Green, CT
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: Navient has been harassing me daily calling me at my workplace where I am not allowed to take personal calls risking my job. They have also called people who I have no relationship to or know and giving them my information for them to get in contact with me. When I was spoke to the representative at navient he was very rude and told me I needed to be man and step up. I told him I had made arrangements and they said they had no record of this. I told them what I could pay and he continued to give me and attitude and said he would keep calling until they got what they wanted and did not want to accept what I would pay and hung up the phone on me after I told them to stop calling my job and reference 's who I did not give to them. They have been calling randomly non stop from random unknown numbers from all over the country and calling and all times of the night and early morning. This harassment is out of control and they are jeopardizing my job by continuing to call job as well as ruining my name here at work. I would please like this to stop
Company Response: Closed with explanation
2019-01-24
Braintree, MA
Threatened to contact someone or share information improperly
Debt collection: I do not know
Talked to a third-party about your debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-24
Las Vegas, NV
Written notification about debt
Debt collection: Private student loan debt
Didn't receive notice of right to dispute
Complaint: Under the FDCPA 1692G which gives consumers a 30 day window to dispute a debt in writing AND 1692E which prohibits using false or deceptive means to collect the debt.
The notice I received removed my right to dispute the validity of the debt through debt validation and debt verification two separate practices. The deceptive practices taken place would be from the collection company knowing the debt is not mine because of the school was notified the information submitted was fraud. Also the alleged debt gives me no option to contact the debtor to dispute only to pay the debt. The claim I am asserting is that the collection letter misguided me as the consumer. In addition to including the the missing absent statutorily required validity language, the collection letter also invited me the recipient to please call to discuss payment arrangements circuit court decisions including XXXX v. XXXX XXXX XXXX XXXX. from XXXX, XXXX XXXX XXXX XXXX XXXX form XXXX, these cases supports the current actions are improper and is in clear violation of the FDCPA 1692G and 1692E I would like the entire debt removed from ALL agencies which credit information or reports are supplies which includes data brokers.
Proof of Complaint Case Number : XXXX I sent information to XXXX XXXX university and the department of education Financial Aid department informing them the information was fraud and that I should have never been enrolled in their school and I should not have had a financial aid balance with the school. The fund we're rescinded and I was never given another call or bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-24
East Rockaway, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I submitted the following complaint last year. I never show an email that stated that there was a need for my response.
I submitted an application for XXXX Loan Forgiveness to Navient in XX/XX/2018. They sent a letter to me stating that because I did not put my social security number on top of each page that the application could not be processed. I resubmitted the application with my social security number on the top of each page of the application in or around XX/XX/2018. I called on XX/XX/XXXX and now they are claiming that they are not in receipt of my application! This is ridiculous! They need to be held accountable and process my application.
Regarding Navients response, I did send the form to them with the required information on top of each page. What should I do to protect myself from Navients failure to acknowledge the receipt of my form that DID include my social security number on the top of each page?
Company Response: Closed with explanation
2019-01-23
Covington, KY
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
2019-01-23
Shulerville, SC
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: I have been paying Navient in upwards of 500 plus a month for several years now. I have called to discuss lower payments and they continue to give me a ridiculous offers of XXXX to XXXX dollars. They are criminals and need to be stopped
Company Response: Closed with explanation
2019-01-23
MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have been on income based payments for the last 2 years. However, the income based payments have to be renewed yearly, but I never receive a notification warning me that my payment plan is changing and I am enrolled in automatic payments. There is no email or correspondence guiding me to renew my income based plan. So 2 years in a row I have found that Navient goes from taking my income based payment, which is around {$35.00}, to my original payment, which last year was roughly {$300.00}, to this year 's, which was {$510.00}. Not only am I struggling financially to pay that amount, as I didn't even have the funds in my bank account, but I have a 5 month old child to take care of now. Last year I played telephone tag with Navient in hopes that they would reverse the payment, and never successfully got in touch with someone, so I gave up. I just attempted to contact them this morning regarding the {$510.00} and got disconnected both times without the option of leaving a voicemail message.
Company Response: Closed with non-monetary relief
2019-01-23
ME
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: My student loan Borrow use to be Sallie Mae then a few years ago Navient took over for them so my student loan got switched I attended the XXXX XXXX XXXX at XXXX. After I got divorced I struggled 2 make my payment while raising XXXX children. My monthly payment was XXXX and I called to discuss this matter with them multiple times. I told them I am single Mom of XXXX children who doesnt make alot of money that I receive no child support from my ex husband. Asked if my monthly payment couldnt be lowered to like $ XXXX- {$25.00} a month. As usual I got told that wasnt an option that {$50.00} was the lowest they could go for me. So as always I would get behind on my payment a few months would go by of me not being able 2 pay it and Id call back the representative on the phone would tell me my best and only option would be 2 do a forbearance for a few months but of course the interest would still add up. They would tell me2 try 2 save up some money in the meantime during my forbearance so I could start paying my payment when it became due. I had no idea that there ever was an option of an income driven repayment option or refinancing options until one day recently I came across the lawsuit filed again Navient and I got looking into it. I feel Ive been a victim of this situation for years and they have charged me alot in interest. Alls they ever offerrd me was 2 do forbearance they claimed that was my only option. Thank youfor your time it means alot 2 me.
Sincerely Yours XXXX XXXX aka on student loan papers as ( XXXX XXXX ) that was my married name
Company Response: Closed with explanation
2019-01-23
WA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: XXXX XXXX 's student XXXX XXXX Washington XXXX XXXX College XXXX Instructor : XXXX XXXX Graduation completed Honor Roll G.P.A. XXXX XXXX No proof of deferment of Stafford loan through financial institutions Sallie Mae No proof of certification is available for transcripts of educational data or credits XXXX XXXX XXXX
Company Response: Closed with explanation
2019-01-23
Long Beach, CA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I attended XXXX College in 2008. XXXX College applied for loans on my behalf and at that time I did not understand the terms and conditions. XXXX College promised me a job in the field of XXXX XXXX, which I have never received. Upon completing the program I have been receiving bills in the mail from the loan company Navient for the past 10 years. XXXX College is known as a predatory lending scheme that I was a victim of and because of this deception XXXX College has taken a traumatic toll on my life. For the past 10 years, it is still affecting my credit and furthering my education.
Company Response: Closed with explanation
2019-01-23
WA
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Complaint: I hold a student loan that was originally serviced through Sallie May, this loan however was transferred to Navient 2014. When this loan was taken over by Navient I was denied public student loan forgiveness which I was insured through the Sallie May loan. Formerly I was on an income driven repayment plan, however was not notified of my yearly obligation to re-certify my income. Without notice I was removed from the income driven repayment plan, I was further denied an income driven repayment plan and my student loan payments are unmanageable as the payment has increased to more than is affordable.
Company Response: Closed with explanation
2019-01-23
Washington Green, CT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-01-23
Pensacola, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Keep getting calls about your loan
Company Response: Closed with explanation
2019-01-23
Lynn, MA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Navient is reporting 2 loan accounts as delinquent in XXXX of XX/XX/XXXX, when in fact I consolidated my student loans and this was paid off in XXXX of XX/XX/XXXX, This loans are listed as XXXX and opened XX/XX/XXXX also XXXX and opened XX/XX/XXXX these loans should never have been delinquent to begin with, I applied for a financial hardship and a deferment that was never processed.
I want these delinquent marks removed from all three of my credit reports.
Company Response: Closed with explanation
2019-01-23
Silver Spring, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: Repeated calling and getting hung up on. They text and email you to call them. Reps hang up when it's not what the company wants to hear.no real attempt at helping or listening to customer concerns.
Company Response: Closed with explanation
2019-01-23
Scottsdale, AZ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: The information reported in the National Student Loan Data System is still reporting three defaulted loans which have been consolidated in XX/XX/2017. These three defaulted loans are being counted toward my aggregated loan limits in addition to the consolidation loans, the amount of these loans are counted twice toward my loan limits.
I have highlighted in Red on the attached nslds Report information that should be removed and deducted from totals scince the consolidation.
I have highlighted in Yellow the corresponding consolidation loan information.
Company Response: Closed with explanation