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 134
2019-01-23
MA
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Complaint: I have a co-signer in my loans, my father, who has never co tributes to my loans repayments and had been unemployed for the last 2 years. Hes nearly XXXX. Im married with no children. My husband and I have a home together at a fixed rate of 4.2 % interest and a mortgage of {$2200.00} a month. Our combined income is {$160000.00} - {$170000.00} a year depending on over time my husband is eligible for. I have one other payment I make on a car for {$280.00} a month. However Navjent wont release my co-signer because of my debt to income ratio. My greatest and only debts are my loans! This is propsterous and they wont tell me what income I would need to qualify for realsing my co-signer. Whats more, I cant refinance and consolidate until hes released. Ive tried several time with other browsers and internally with navient and thats the repsonse I get. One of my loans for has an interest rate of 13.25 %! I believe they are willing my and jnkwly denying my request to prevent me from qualifying for refinancing options with no reasons for denyin. My request for advising me on the qualifications I would need to get it approved. Every time I apply they pull my credit so I cant just keep trying - tried in XXXX and XXXX with no change in response or favorable behavior.
Company Response: Closed with explanation
2019-01-23
PA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: Approximately XX/XX/XXXX, I applied for forbearance and paid the {$100.00} that they said I had to pay in order to get the forbearance. I was told my next payment would be due XX/XX/XXXX. I made the payment, but never logged into the account, as I paid through Bill Pay through my bank. Late in XXXX, I had a credit monitoring alert saying that Navient was past due. I have now called 5 times. Each time I am told, they know there is a problem. The person who processed the forbearance made a mistake and everything will be taken care of. It is now XX/XX/XXXX and the problem is still not fixed. My credit score dropped by 90 points since XX/XX/XXXX, that is on top of the 40-50 points it dropped in XXXX because of Navient. This is not the first time this has happened when I applied for forbearance. It happened earlier in XX/XX/XXXX, but was resolved, however it did not take this long. I have asked for things in writing but never get anything. I am currently 15 days past due as I have not paid XXXX because they are not properly applying my payments. Today, I am the phone with XXXX XXXX employee ID XXXX who is saying she is speaking to her manager XXXX XXXX and my forbearance will be processed and my loan will be due XX/XX/XXXX. This is now eating up 5 months of forbearance when it should have been 3.
Every single time I called I have asked for the conversation recap in writing. Once I was told I would have it, never received it. Now I am told they can not do that.
Every time I call I am also told that things will be corrected. As of today, nothing has been fixed yet.
Company Response: Closed with non-monetary relief
2019-01-23
New Market, AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I recently discovered issues with my Federal Loans handled by Navient. I did not know of the issues with Navient until my bank alerted me to issues while trying to buy a house.
I looked into the situation ; discovering Navient is facing current lawsuits for similar situations to the way they have handled my account.
My loans were originally handled by Sallie Mae, then by Navient. I setup auto pay with Sallie Mae, then had to re-setup my auto payments with Navient.
From what was communicated to me ( via paperwork and online ), when I setup Autopay, I understood that I was paying extra each month, to be applied towards the principle.
I only ever received simplified information. It consistently stated my minimum payment amount as around {$400.00} ; I was paying almost 2x that.
IE My paper work received states : " You have {$400.00} due XX/XX/19 '' and " Total Payent Due {$400.00} '' and " enrolled in Auto Pay. {$830.00} will be debited from the designated bank account by XX/XX/19 '' My bank alerted me, from the detailed information that they could see ( that I do not have access to online ), that something weird was going on and it was keeping me from being approved to buy a house. My principle was moving much slower than the amount of money I have been paying.
I typically only sign into my online account a few times a year. Since the last time I checked my account, the options had changed.
There are now new, difficult to find choice settings with confusing verbage of how payments are to be applied.
On my account, an apparently default choice had been made, without my knowledge or confirmation, that I was pre-paying my bill, pushing due dates back ; NOT PAYING down the principle.
I had to call to discuss and clarify what these settings meant and to clarify that I my extra funds are NOT paying down the principle, they are just 'pushing back ' the due date. IE I could not pay for several months since I am 'ahead ' of my payments now.
It was indicated to me that.
I had to work hard on the phone to pin down the representative to use clear and simple layman 's terms. He kept repeating the confusion verbage for the options posted on the website. I had to keep pressing the matter to get confirmation and make sure I understood.
After 5 or 6 tries, He eventually confirmed what I have written here with simple and clear statements.
I was never alerted to, or confirmed my choice of the below situation.
IE : For the website to adjust how over payment is handled. You have to go to Dashboard>Profile>Edit Profile>Overpayment Directions " Billing Direction '' " No, Advance my due date by the number of payments I cover. Even if you have XXXX amount due on your billing statement, continuing to make payments will reduce your total cost of borrowing. '' OR " Yes, Bill me for my full monthly payment. You will be required to make a full monthly payment with your next billing statement. '' My setting was the 1st choice ( No, Advance [ ... ] reduce total cost of borrowing ). This PUSHES BACK the due date AKA Pre-pays the next bill. It does not pay down the principle as intended.
I did not make this choice. I had setup originally and assumed it was continuing, before the software was setup this way, that my overpayment was almost 2x my minimum and that it was all going towards the principle.
1 ) Misallocated payments - Contrary to what I originally setup, the settings had been changed without my knowledge or confirmation to pay the extra towards future payments ( 'pushing back the due date ' ) vs paying on the principle 2 ) Change in minimum Payment - My higher, extra payment that I had originally set at almost 3x the minimum originally with Auto Pay, according to the staff via phone, is now my REQUIRED level of payment.The representative told me there was no way to adjust this.
3 ) Change in Settings - Without my knowledge or confirmation, what I had setup through Auto Pay had been CHANGED to a 'default ' settings at some point.
4 ) Misinformation or Unclear Information - Provided convoluted explanations and unclear information about settings, how to make changes, and how to enroll in income-driven repayment plans. When asked via phone how to change Auto Pay level, I was told that the [ new ] minimum could not be adjusted. Paper work received made it look like I was overpaying and that the amount would go towards principle vs pushing the payment dates back.
5 ) Lack of documentation - Navient has not sent me anything in writing reflecting ANY of the situations I have reported above. All I see / have seen is a minimum amount due, my over payment almost 2x that amount, the remaining principle, and the interest. When I demanded documentation reflecting the current policies and how the money is being applied, the representative told me that it would be provided immediately and would arrive within 48 hours ; as if this is a standard procedure to address this repeated situation.
6 ) Lack of Updates - I was not aware of my options. I did not receive any updates about programs and services that would improve my situation and/or reduce my monthly payment burden. Through this process I have discovered that I am eligible for several programs that would have benefitted me in multiple areas.
Company Response: Closed with explanation
2019-01-23
FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: On XX/XX/XXXX I signed up for a XXXX XXXX XXXX program at Florida XXXX College in XXXX. At the time, my financial aid representative had given me an estimate on the cost of the program, plus my estimate grant. He had said, with it being XXXX, I can file for ANOTHER grant from FASFA in XXXX to help cover my costs of the program. The program is only 11 months long. I attended the school from XX/XX/XXXX, and I graduated with Honors in XX/XX/XXXX. At the end of my pgoram, I logged onto a portal that told me how much I would owe. When I seen the total as a little over 12k I went to a financial aid counselor and they told me it needed to be adjusted. I was contacted numerous times by the loan company Sallie Mae aka Navient. During a phone call in XX/XX/XXXX-XX/XX/XXXX time, I told the caller I was not responsible for the amount being owed. According to FASFA, I received two Pell Grants totaling in {$11000.00}. The program cost was {$17000.00}. Leaving me with owing a minimum of {$6000.00}. Last week, I contacted the school as I had been requesting my financial aid records. They only send me the estimate paperwork and stated I signed that knowing that would be the cost and I would owe more than 6k. I explained the financial aid counselor responsible for this case was no longer there and he told my mother and myself more than once it was just an estimate and the top of the paperwork even states its just an estimate. I proceeded to tell them that a FASFA representative told me they only took out {$1200.00} for XX/XX/XXXX-XX/XX/XXXX school year. The school then tells me it is because I was not attending for the whole year and that is why they didnt take the full {$5700.00} that was granted to me for the second year. The school proceeds to say it was because I didnt attend a full year. I then explained they took {$5600.00} of my first grant for only 2 months of XXXX, but only took {$1200.00} for 9 months of XXXX. The school didnt seem to understand. When I had spoken with the loan company, Sallie Mae, they stated they have no ties to the school that they just request payment since they loaned money. I am now being told due to no payments being made towards loans that I never approved to be given, that I would be sent to collections and the loan company would take my tax returns as payment.
Company Response: Closed with explanation
2019-01-23
Rochester, OH
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: I started paying Navient. They said after 9 on time payments my tax refund would be released to me to file. I had set up automatic payments and they didn't take 2 in a row so I called and payed. They said it wasn't good enough and with held my refund again. Then I get letters from 3 different companies saying the now own my loans and to make arrangements for a lower fee. They tried to raise my payment by {$150.00} a month while I was filling social security XXXX. My loans continue to soar in finance charges and interest. I'm currently filing bankruptcy because I've been undergoing treatment for a type of XXXX XXXX. I'm not sure where to turn I feel as if I'll never be debt free or on track with my student loans before I XXXX XXXX. The interest on my loans has more then doubled the original loan and there is no hope. I received a letter years ago stating I owed {$0.00} on my student loans when Obama took office so I'm curious what happened.
Company Response: Closed with explanation
2019-01-23
Rockwell, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I had two loans that defaulted with Navient. Wen I called and asked them about the defaulted oans after they claim they had no defaults the girl said I had to write in for the info. I wrote a letter requesting the information about the dates. XXXX XXXX sent me a letter and stated they would not make a comment on this and that I had no loans defaulted through Navient, but thats not true. I had two loans they sent into default and are now collecting on them. I need the dates they sent the two loans into default. They will not respond to m, y request. I have called XXXX XXXX with Navient several times but the person will not return my call. Since XX/XX/2018.
Company Response: Closed with explanation
2019-01-22
Philadelphia, PA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: In XX/XX/XXXX I refinanced my student loan debt with Navient ; at first the total payment each month was reasonable. However, after updating my account ~ 6 months after my loan closed to add direct debit, they increased my interest rate. At the time, I was very young and despite multiple calls to refute the increase citing that the only thing that changed was adding a direct debit which was, in fact, a bonus for them, they refused to change the rate. Now, ~10 years later, after actively reading up on on predatory practices performed by these vendors I realize I was a victim. My goal in reporting this complaint is simple - I want the original rate honored and the over payment Navient has received in error to be applied to my account. I am lucky enough to be able to pay for my loans each month ; I am disputing that. However, I grew up in extreme poverty and loan debt was the only way for me to achieve my college dreams. I had no financial support and no guidance and was taken advantage of by this company. Now as an adult, I am outraged. In the grand scheme of things my issue is not as egregious as some cases I have read about, but it was unethical and predatory and should be addressed.
I currently owe {$30000.00} on a {$50000.00} loan -- they have received over $ 20K in principle to date. I have been paying on the loan since XX/XX/XXXX. I did take a grievance period in XX/XX/XXXX-XX/XX/XXXX due to a high expense for dental work that I could not afford and was not covered by insurance due to the problems typically being addressed in adolescence. I hope you can help me. Thank you.
Company Response: Closed with explanation
2019-01-22
Charlotte, NC
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-22
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-01-22
WI
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Complaint: I have multiple loans through Sallie Mae which I was told could be consolidated when I was ready to repay them, I was later told that was impossible when it was being demanded of me to pay XXXX XXXX dollars a month. I was unable to finish my degree at XXXX XXXX university due to being unable to pay my tuition any longer. I transferred to a XXXX college and continued to pay for school myself while working full-time and paying for all my living expenses on my own. I tried to make arrangements with Sallie Mae/Navient to pay my loans or defer them while I was in school. Needless to say I received numerous calls all hours of day, night, weekends, and even at my place of employment. I even contacted a lawyer to see if I could file harassment charges however I could not afford to do it. I was on the verge of tears every day. Here I am ten years later in more debt than you can imagine, still in school paying for it on my own, my loan is now defaulted due to Navient 's lack of willingness to work with me and my credit is forever ruined. I have written letters to everyone I could possibly think of for some kind of help, empathy, or compassion without any response. I am at my wit 's end and there is no way I can even imagine a way to pay my loans when they will not even consider lowering my payments. I was lied to the day I took out my loans and I am still being lied to now by this disgusting excuse of a company who prey on young adults trying to get ahead in life, all we end up with is debt and broken dreams.
Company Response: Closed with explanation
2019-01-22
Glassell, 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
2019-01-22
August F. Haw, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-01-22
Hamburg, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: On XX/XX/XXXX I submitted a general forbearance request to Navient via email they provide. This is for a loan that was due on XX/XX/XXXX. I have been diagnosed with XXXX related symptoms and dealing with their automated system has been very stressful. I have spoke with them in the past and advised that I do not find their website or telephone system user friendly so they provided me their fax and email. I also followed up the request with a fax same date. Did not receive a response so I emailed and faxed again on XX/XX/XXXX. On XX/XX/XXXX I received a bill that the amount of loan is passed due.
This occurred last year also. They provide ways other than telephone or computer but then they do not process your information.
Company Response: Closed with explanation
2019-01-22
George School, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-01-22
Sebring, FL
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: My Navient Student Loan account is currently holding open and accruing interest on 5 loans that I was told were closed on XXXX XXXX according to the U.S. Dept of ED-XXXX. These loans were from the University XXXX XXXX and were supposed to be closed not transferred to another lender. These loans total {$17000.00} that was not discharged and closed but transferred and hidden among other student loans.
Company Response: Closed with explanation
2019-01-22
Lancaster, PA
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: This a XXXX XXXX loan for my daughter. She graduated in XX/XX/XXXX. Our loan is through Navient, The next payment is due on XX/XX/XXXX for {$800.00}. Navient tells me they can not lower my payment. I am trying to figure a way to make the payment more manageable. Do you have any ideas.
XXXX XXXX Balance {$100000.00} XXXX XXXX XXXX XXXX.
XXXX, Pa XXXX Email : XXXX XXXX
Company Response: Closed with explanation
2019-01-22
Fairfax, VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-01-22
Jasper, AL
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-01-22
Stantonville, TN
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I have submitted my loans in a Chapter XXXX and converted to a Chapter XXXX Bankruptcy dismissing the loans. Ive tried several times to get a lower payment because I was unemployed. I have been offered deferments or forbearances simply by responding yes to a text message not knowing interest was accruing. I never heard back after informing them I lost my job. I would like to have my loans forgiven or discharged because I wasnt aware of what I was signing and the outcome. I suffer from XXXX XXXX that affects my judgement to make sound financial decisions.
Company Response: Closed with explanation
2019-01-21
Library, PA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: My issue is with Navient I called on Friday, XX/XX/XXXX and requested first to speak to the advocate team. I was instead directed to someone in customer service.
All the information on my account was incorrect, the phone number was out of date, the address and email. I informed the customer service representative that I was unaware of my circumstances pertaining to my account as I was out of the country completing my training for a new career. As well as that my school forbearance was no longer active.
I updated my information and was enrolled into a program that was supposedly income driven. I gave them my information and made my first payment to come out XX/XX/2019. I specifically asked that since I am enrolling in this program and making a payment will my credit be negatively affected to which the the representative responded youre enrolled, you will be fine.
I was reported to the major credit departments for non-payment. I called today to ask what happened and was told that no one promised that my credit would not be affected and that my payment is a partial payment and wont apply towards my forbearance for 3 months. I was never told this on the phone, just that as soon as I am enrolled into the income driven program It would reflect on my account.
I spoke to a supervisor today XX/XX/19 at XXXX at Navient who told me ( without reviewing the call record ) that my complaint never happened. The supervisor also told me that the program is not income driven it is a type of forbearance used to get accounts back on track. Also i was told by the supervisor that I should change my payment date to the XX/XX/XXXX to avoid any other reporting. When asked if i could have email of our conversation, i was told that is not possible and that I would have to take their word that a note will be added to my account.
Company Response: Closed with explanation
2019-01-21
Newnan, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Keep getting calls about your loan
Complaint: Ive had several calls stating I need to pay but first send in documentation. The First call was from a man that gave me an email the second was from a woman that gave me a website. Neither of them were helpful and I got different information concerning my student loans from each one of them. They threatened me by telling me that if I don't start paying that there will be consequences with my account. After I had told them i was not employed and was barely feeding my children they were still adimit on telling me to borrow money from someone to pay it.
Company Response: Closed with explanation
2019-01-21
CT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Several years ago, I was paying off a large student loan debt with Sallie Mae via online payments. Around the time that Sallie Mae was moving the servicing of its existing loans to Navient, they removed my account from online access so I could no longer view the balances or make online repayments- for no apparent reason. This made it more difficult to make and track payments and marked the beginning of endless Navient problems. I attempted to rectify this on multiple occasions and reinstate online access but was never reinstated despite numerous calls.
I had previously made some extra payments by phone to Sallie Mae to pay certain loans in full and close them out early. There were never any issues with that process, so I made a large phone payment to Navient to close several loans around XX/XX/2013. I had given specific instructions over the phones and received verbal confirmation that payments were made to specific loans to pay the balances in full and close these out. Almost a year later, I was shocked to receive an overdue balance notice in the mail for some of the loans I had paid off. I called Navient customer service at least a dozen times requesting an accounting of payments made and how monies I paid were applied, and spoke with numerous reps and supervisors in the call center with no action taken to provide me with an accounting. I was told that despite having an open overdue balance, Navient had supposedly sent me a refund check for over 300 dollars. They had no viable explanation for why I would receive a refund if I still had outstanding debt. Needless to say I had no record of receiving this check, and would certainly remember it had it actually arrived since it clearly indicates an error. When I asked about the credit, they attributed it to a difference in interest that had been quoted at the time of my payment but had not yet accrued because it was done mid payment cycle and therefore needed to be credited. I then clearly illustrated to the rep that this explanation is mathematically impossible because the dollar amount of the credit was equal to roughly a year of accrued interest based on the loan principal amount times the interest rate. He agreed, and stated he would look into the account further but took no action, again, to provide the detail on the account. I finally asked for a formal complaint process and was told the only option is to write a physical letter to an ombudsman and mail it. I did just that and wrote a detailed letter, mailed it to the address the call center provided and waited approximately 3 more weeks. When I called to check on status, I was told my letter was never received. Since no accurate balance or payment history was made available to me and errors with misapplied payments were never corrected, I did not make any additional payments after this time since I did not know what the actual balance was, or which loans were open that ought to have been cleared. Quoting an incorrect balance or loan numbers did not stop Navient from their collection efforts against me and from ruining my credit despite failing to address and correct the issue. Aside from endless calls for collection, they reported and continue to report this as bad debt each month for multiple years. They have added interest and penalties to the balance and have validated this debt as accurate when I've disputed it with the credit reporting agencies.
Company Response: Closed with explanation
2019-01-21
Point Arena Air Force Statio, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I was unable to put my college, XXXX XXXX XXXX California, into your system.
PLEASE DESCRIBE THE ISSUE YOU HAVE REPAYING YOUR LOANS OR GRANTS?
I attended XXXX XXXX of California, which closed while I was attending. I was told that because I was a single mother of XXXX and making very little that I would be able to attend college for free. Not only did the college close as I was attending, I also was saddled with a large debt. XXXX XXXX also gave me the promise that I would be able to return and continue my training after graduation, this was vital to me as a mother of XXXX, I would need to continue my training ; another unfulfilled promise. I have talked to my loan providers numerous times about this and have always been shuffled along while the interest on my loan has almost doubled.
I then took out a private loan to get my XXXX XXXX degree. I have paid this off in full. Several teachers told me I should get my California teaching degree and that there was a great program called The XXXX and it would pay off any student loans that I had because our school is a rural, XXXX XXXX school. I was also told that the XXXX is a great program by XXXX, and many teachers that had done the program in the past had left not owing anything. Because I was in a XXXX school the XXXX would apply to me. I joined XXXX 's teaching credential program. I was finishing my XXXX degree, working on my CA XXXX degree, mothering XXXX children and working full time. I went to immediately apply for the XXXX program and was told it was no longer viable. I called my the Department of Education in XXXX and my local senator at the time. I was told that the government felt like the program was under utilized and so it was on hiatus. I begged to be grandfathered in ; my pleas on deaf ears. I then applied for the XXXX program, while I was in my Ca. Credential. Nothing ever came of this, except I received a new whopping debt to add to my last debt.
I then was advised to apply for the XXXX XXXX XXXX, as I have over 5 years working at a XXXX XXXX XXXX. This was rejected. I have tried to call, but every break I have my loan servicer is closed.
I work weekends, nights, holidays trying to bring the best education I can to my rural students. I have been dis-missed by the student loan servicer and government, undervalued, underpaid, overworked and saddle in accumulating debt. This is unreasonable!
Company Response: Closed with explanation
2019-01-21
Antlers Park, MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-01-21
Denver, CO
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation