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 135
2019-01-21
Finksburg, MD
Getting a loan
Student loan: Private student loan
Fraudulent loan
Complaint: I have been dealing with Sallie Mae. They sold my loan to Naveint. I private loan to pay for college. I started paying the loan off in XX/XX/XXXX. The loan amount was {$20.00}, XXXX. I have been making set payment that@XXXX directly withdrawn from my bank account each month. I called today to see why they say my account is delinquent. Apparently I owe a payoff amount 0f {$23000.00} I have two interest rates one of 13.5 % and the other 13.125 %. It is now XX/XX/XXXX and I owe more then I did in XX/XX/XXXX. I have paid this bill every month via automatic with drawl from my bank account. I asked about a lower interest rate. They say I cant do that. I asked what else I can do to pay this off. They have no recommendations. So as of today they raise my payments again because my interest rate went up.
Before this they billed my account late payment fees each month because they say the bill was not paid on the due date. I have called several times. My husband has called several times. We say why are there late fees? You with drawl money every month on the XXXX. There should never be a late fee.
This company has charged me years of late fees. After 9 years of payments balance is higher than what I borrowed. I don't understand how this is possible? I pay my bills? I'm not trying to cheat the company. In fact they are cheating me. I need someone to help me figure this out. Please investigate this fraudulent company. Please tell me how to deal with them?
Company Response: Closed with monetary relief
2019-01-21
VT
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I have {$100000.00} of loan debt via Sallie Mae/Navient, and XXXX They continue to mislead me in regards to interest rates, I am the victim of high inflation rates, aggressive collection tactics, incorrect account balances, inaccurate payment allocation, uncooperative customer service, missing documents and records of phone conversations
Company Response: Closed with explanation
2019-01-21
NY
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: My mother consolidated loans in 2007 with Sallie mae one opf which was supposed to be paid to XXXX XXXX XXXX. thats the first thing, it was never pd to them and now im being charged from XXXX XXXX and on the consolidation from sallie mae which was sold to navient whioch is a horrible organization.they have me on an interest only payment because they offered me no other option for repayment they had me when i was pregnant on a forebearance which shot my accruing interest sky high they want over 1000 dollars per month from me which i can not do i have a family, they told my mother to cut down on her food consuption so she can help me pay my loans.
2 of the consolidation loans equal about 30 grand and i cant get any info on what was consolidated since the loans were sold to them. if in fact one of the consolidations was to pay off XXXX XXXX then i am owed a heck of a lot of money from them becasue they never paid the loans. I believe there were other loans consolidated on the 2 as well.
please help me I dont know who to turn to anymore, and they keep raising there interest rates as well.
thank you XXXX XXXX loans are under XXXX XXXX my maiden name
Company Response: Closed with explanation
2019-01-21
Millville, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have been with Navient for probably 12 years now. I have never been able to afford to make payments on my loans, due to my debt being so much higher than my income. Navient never ONCE offered me the option of an Income driven repayment plan. I have talked to them dozens of times over the years.
I found out about it on my own about two years ago and requested it from them. I have been in forbearance ALL of these years while my interest has continued to accumulate and skyrocket my balance into a payoff amount I will never be able to afford and nearly double my amount owed at graduation. I understand there is a law suit against Navient for this matter and I want them to write off my accumulated interest due to their unsavory and unethical collections practices. Please help!
Had I been on this IDR back when I started asking for help, I would be almost half-way through the commitment as opposed to only a few years in.
Company Response: Closed with explanation
2019-01-21
Loveland, CO
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt was paid
Company Response: Closed with explanation
2019-01-21
Columbia, MO
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-01-21
Wallington, NJ
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: Good afternoon, I am writing to you today as what feels to me to be one of my final options in terms of the situation I have put myself in with student debt. The long and the short of it is that I currently hold three different set of loans ( Private : Sallie Mae, XXXX ) ( Federal : Navient ). Each loan having a sum of {$50000.00} or more. As you could imagine my monthly payments are of unreasonable proportions. My student debt accounts for almost 70 % of my monthly income which leaves a disproportionate 30 % for all other expenses. In recently doing my finances I have discovered that I actually lose on average {$100.00} a month from any saving due to the amount of money I lose to loans a month ( approx. {$1600.00} a month just in student loans! ) I find myself writing because I truly feel a decline in my quality of life and the stress has actually worsened even though my salary has increased periodically since graduating three years ago. Being put in situations where if my job does not pay me on time results in me missing a monthly loan payment is the hardest thing to cope with at the present time. I have quite frankly given up calling the the private lenders because the conversations end with one answer " There is nothing we can do, you already pay the minimum amount. '' I apologize for the long winded explanation but I have attempted to consolidate and constantly am denied, I assume because of the ridiculous amount I owe. I took out these loans at a time where my judgment was clouded by the fact that the only way to receive a decent education and struggle with issues on a more personal level in terms of getting the opportunity to move out of a broken home, I can see now why I took the only option given to me which was taking out student loans without understanding these consequences at all.
Needless to say I am not coming up with excuses in any way. I have honestly just completely lost home in a decent quality of life and come to terms that my daily actions are constantly determined by the burden of my student loans. I have never defaulted on any of the payments and have made repayment my sole motivator to stay employed and earn an decent wage. I reach out to you to begin a dialogue as to how I can address the issues I am in and how I can move forward to get some form of assistance.
Company Response: Closed with explanation
2019-01-21
Odell, OR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I have been dealing with this situation for many years and I have spoken to the ombudsman who basically did nothing after Navient responded with no explanation. I have received multiple letters from Navient with different balances and no proof of how the balances were created. Currently Navient states on the website that I owe them XXXX. However they just sent me a letter via mail that I owe XXXX. I have been dealing with this situation since I was in school at XXXX. I had to stop attending because I ran out of money, that is the 1st time I was aware of a problem. Besides the fraudulent activity of the school which I also have a claim on, Navient is changing the amounts constantly. When I got a lawyer to handle the situation, suddenly Navient makes up that I had loans from another servicer and they have now been added to the loans. I never had loans from XXXX, this is what Navient is now claiming.
When I started XXXX I had XXXX is student loans from Sallie Mae This was for going to the previous XXXX XXXX College, and I also have made many payments under the IBR program. Now I somehow have accumulated XXXX in student loans even though with a revised letter from Navient that now says I owe {$23000.00} from the XXXX, that creates an unexplained amount of debt in question. My debts before XXXX were paid. And while I attended the college, I was also making payments. The amount of money XXXX University said that I borrowed is {$29000.00}. You can see from the math there is around $ 30K in interest accrued in less than 5 years. Of that amount, only {$1800.00} dollars is accrued interest on the XXXX loans which I attended earlier then XXXX. None of this is adding up correctly, and I have had an accountant look at it and tell me this is not correct. Navient will not provide any evidence that I owe this money accept a promissory note that could have been to any school. A master promissary note does not mean I owe every bit of debt that is tacked on from different people who have my name or from miscalculations from Navient. I do not owe this amount of money. I begin making payments in XXXX, and I want it to get allocated to the right accounts. I'm not going to make payments on someone elses bills. I was not sent any payment coupons and it says there is nothing due on their website. However I have a letter that says when I begin my repayment. I want to have the correct balance on the XXXX loans. I want them to take responsibility and explain their calculations.
Company Response: Closed with explanation
2019-01-20
Columbus, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I got a report from XXXX XXXX my school loan increased {$800.00}. I have auto payments. I pay $ XXXX monthly. Got a report it increase {$800.00}. No notification why.
Company Response: Closed with explanation
2019-01-20
Bellaire, TX
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: Basically I have been paying for years on a loan thats going no where. I have been on the income based repayment plan for a a few years now. I was inquiring about loan forgiveness programs as I have in the past. I am a public school teacher and was told that I was 74 payments in on the 120 total required for public loan forgiveness. Navient then told me to apply for the program with the department of education. I did, several weeks later I received my letter. I was denied, the department of education said I did not have the correct loans. I called navient back and told them about my letter. They said yes, you have to have a certain type of loan and that I could consolidate my loans and start all over at payment 1. At this point I was furious. I never missed payments, in the years since they took over my loan from a previous servicer. Everytime I would call they would push forberrance on me everytime like they really wanted me to do it. I felt pressured to put my loans in forberrance everytime I called in but I never gave in. But again I was more than upset that not once had they ever mentioned in my 74 payments that none would be counted. I feel they purposely did this so they can make more money. I need help, this is wrong, and companies like these are taking advantage of people!!! Please help.
Company Response: Closed with explanation
2019-01-20
Princeton, KY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: My accounts were paid in full through Sallie Mae in XX/XX/XXXX by consolidation before Navient and Sallie Mae separated. Navient and the XXXX XXXX XXXX continue to report inaccurate information. The XXXX customer service states that they do not have a record of an account that is in default, delinquent or past due in my name but continue to send default notifications in the mail. Both companies customer service has threatened arrest, used fowl language, and when I request documents regarding the account they claim I owe, I am hung up on. They refuse to provide documentation that any balance is owed or that the account reported has been previously paid in full and on time to Sallie Mae. Navient has falsely reported payments made to all three credit reporting agencies with the most recent being XX/XX/XXXX and XX/XX/XXXX.
Company Response: Closed with explanation
2019-01-20
LA
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: I Graduated from XXXX college in XXXX owing XXXX worth of student loan, I paid back, and struggled through a divorce and every time I would call Navient, ( Sallie Mae transferred my loan to them ) I was told to just take a forbearance. I filed bankruptcy in XXXX, and paid XXXX toward my loan and was told when I got out in XXXX I still owed, XXXX. I don't understand. I paid on these loans I wasn't always in a forbeance or deferment. But I cant get no help to figure out where the money I paid went. I also have worked at a place that qualified for loan forgiveness, but I am being told that none of my payments until I had enough and switched to XXXX XXXX qualified for loan forgiveness. I need some answers and no one seems to want to help me.
Company Response: Closed with explanation
2019-01-20
TX
Getting a loan
Student loan: Private student loan
Fraudulent loan
Complaint: When I got out of the Military in 2004 I wanted to go to college and I was not aware nor did the college tell me about my Military benigits that I was entitled to, like my GI bill and Post XXXX bill. Instead they pushed me towards private student loans. Almost line they were getting kick back from the companies to steer students to get loans. I did not know my loans were private student loans until years later when I applied for a law enforcement forgiveness program through the Department of Education and they told me I did not qualify because my loan is a private loan. Also. Sallie Mae originally had my loan and sold it to Navient. I borrowed {$25000.00} in 2004 and I pay {$330.00} a month and still owe {$28000.00}, more then what I borrowed. Also, neither company explained if I did forbearance that it would keep adding money to my loan, and they never got permission from my mother the co-signer of my loan to do forbearances.
Company Response: Closed with explanation
2019-01-19
Clermont, FL
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt was paid
Company Response: Closed with explanation
2019-01-19
Commerce, MI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-01-19
Cane Creek, AR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: I have federal student loans through Navient. I noticed my entire payments were going to interest and my balance was not getting smaller. I went to the website to see a monthly statement. there is no monthly statements available. there is no explanation for how the monthly payment is being used toward my loan or how much interest is accruing monthly. I called ancient to request a monthly statement. I want to know how much I need to be paying each month so I am covering the interest and paying down the principle. I could not get any answers. they could not even tell me what my balance was at the beginning of the month. there is a large amount of accrued interest. I am trying to find out how to get this back under control so I am not getting further behind. I could not get satisfactory help. this does not seem legal to not be able to get a monthly payment or find out how your payment was allocated.
Company Response: Closed with explanation
2019-01-19
Chicago, IL
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: From XX/XX/XXXX until XX/XX/XXXX I attended XXXX XXXX XXXX XXXX location. The school did not properly provide the advertised accreditation. They are now closed for business. They over priced the education that we received and can not use the degree we earned.. as falsely advertised. I owe Sallie Mae/Navient {$82000.00} with payments of {$720.00} that I can not afford. I need help and dont know what to do or how to go about it. This school was in a lawsuit and so was the lender. Can someone please help me.
Company Response: Closed with explanation
2019-01-19
Glenmont, OH
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
2019-01-19
Hinkley, CA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: They didn't want to work with me
Company Response: Closed with explanation
2019-01-19
OK
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: The dept of education garnished my income tax refund for several years ending in XXXX when I received a partial refund with an explanation that it was the balance after the debt had been paid. Now in XXXX I am just now recieving notice that there is still a balance and it is greater then the original debt despite over six grand in payments, I only attended two years. The initial reported debt was XXXX I paid XXXX and now I owe XXXX, how is this possible.
Company Response: Closed with explanation
2019-01-19
Eight Mile, AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: All of my loans should have been forgiven. I have been a XXXX in XXXX XXXX XXXX for 14 years. XXXX XXXX, a critical needs area. The reason why I got into XXXX was to get my loans forgiven, however that promise has not been kept. Quite to the contrary the capitalization of interest has doubled my loans, Even with a XXXX payment I can not get a house, or a car. But this is how we treat out XXXX
Company Response: Closed with explanation
2019-01-19
Superstition Mtn, AZ
Threatened to contact someone or share information improperly
Debt collection: Private student loan debt
Talked to a third-party about your debt
Complaint: Navient violated my consumer right by contacting a non relative and giving information to them where I work and if I was related to this third party. Under The Fair Debt Collection Practices Act ( FDCPA ) expressly regulates calls to third parties in 15 U.S.C. 1692b ( 3 ), stating that a debt collector shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. the debt collector which is navient has my contact information and should not be contacting anyone or giving my personal information out to non relative I have screen shot of them giving my information out with a reference # to this third party I am getting a attorney to lookat this case.
Company Response: Closed with explanation
2019-01-19
Madison, WI
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Complaint: Navient purchased my loan and since they have taken over my loan my interest rate has steadily increased causing my monthly payment to go out. I have kept making payments and tried to call and get answers as to why I have received so many increases I received no answer from the customer service agents and just more frustration due to their " help line ''.
Company Response: Closed with explanation
2019-01-19
Belle Haven, VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: In XX/XX/XXXX, Navient took over my student loans from XXXX. I am a XXXX XXXX XXXX in Virginia and I've been teaching since XXXX in mostly XXXX XXXX schools. My XXXX 's loans were managed via XXXX and I repaid them in full. I took out a loan for my XXXX XXXX XXXX because, at that time, Virginia was claiming they intended to replace all XXXX XXXX XXXX XXXX who had no XXXX XXXX XXXX with XXXX who did possess a degree. I completed my XXXX XXXX XXXX online through the University of XXXX. One of the loans tied to this degree is a Stafford subsidized and the other is Stafford unsubsidized. XXXX was the servicer until the date noted above. I requested, in writing, that XXXX keep my loan because I'd paid off the previous set of loans to XXXX in full. I'm not a deviant or irresponsible loan borrower and I knew Navient was already being sued for mismanaging student loans. In XX/XX/XXXX, I paid my monthly installment at Navient 's website. I proceeded to review their different repayment plans. There was no way to see what the new repayment installments or length of repayment times would be without completing an application. Nowhere on the website or application did Navient state that filling out an application was a binding contract to a new repayment plan ; if it had stated this, I would never have applied! I thought and still believe, based on the information provided, that I was simply applying for a potential new plan just like I'd apply to see what type of mortgage I might qualify for. After I filled out this application, I received an email link to a document stating I was now bound to this new repayment plan. I called Navient to discuss this but nobody seemed to be able to explain how an application became a binding contract. A supervisor named XXXX, ID number XXXX, came on the line and confirmed that Navient did not disclose the terms of completing an application. I've reported Navient to the XXXX several times. I've received letters from two different 'consumer advocates ' relative to my complaints. The most recent letter stated that I was correct -- -Navient did NOT disclose the terms of this application and the supervisor on the call did confirm that ; however, the 'advocate ' did not offer a resolution that would allow me to return to the previous plan. The new plan will extend the length of my loan and I will be paying more in the long run, which was not what I was trying to do when I applied. I wanted to see if a different repayment plan would be a more financially affordable option than the one I was previously using. All Navient has offered is to redo my plan again on their terms, which would continue to lengthen the life of the loan and cost more money for me. I will gladly forward or share the communications from Navient if needed as well as the XXXX complaint numbers. Navient is preying upon people like myself who are middle class citizens in careers such as public education and have student loans equating to a mountain of debt. I've already paid back more than half of what I originally borrowed for the XXXX XXXX XXXX and because Navient ( and XXXX, for that matter ) never contacted me about the status of the loans relative to Public Service Forgiveness, I did not realize I have the 'wrong ' kind of loans to even apply for it. I've been paying on this loan set for 8 years and was on track to have the balance forgiven in XX/XX/XXXX but now, thanks to Navient 's dishonest and predatory activities, I'll be unable to apply for forgiveness and I'm bound into a repayment plan that is not financially what is best for me.
Company Response: Closed with explanation
2019-01-19
Chicago, IL
Incorrect information on your report
Student loan: Private student loan
Information belongs to someone else
Company Response: Closed with explanation