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 136
2019-01-18
Orion Twp, MI
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I have contacted Navient since XX/XX/XXXX after i obtained a XXXX 's from XXXX University and attempted to make monthly payments to pay off some of the loans, the representatives i spoke with reported i can't make payments at this time and i will have to wait until i complete school, I then spoke to a supervisor and the supervisor reported he stands behind what his representative informed me off and i can't make payments. I then moved on to get a XXXX XXXXXXXX from XXXX XXXX University after I graduated in XX/XX/XXXX, I contacted Navient 7-10 times during that month as representatives were unable to locate my loan on numerous occasions, and the two times i requested to speak to a supervisor, they steered me into forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for it. I attempted to do my research and contacted them back, the representative informed me that {$480.00} is the minimum payment allowed to make per month. I explained I am unable to pay that amount as I had just landed a job after graduating, and have a mortgage under my name along with another loan through XXXX XXXX under my father 's name that I have to repay, the representative insisted I go into forbearance. I explained that this will force me to accrue more interest, the representative reported that either I pay the {$480.00} a month or I have to make the decision to go into forbearance as those are the only options for me at this time.
Company Response: Closed with explanation
2019-01-18
Atlanta, GA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I was paying agreed monthly payments since XXXX, I have receipts. Up until then, I was homeless with no income ; unable to get work. The service was changed ; I continued payments. Yesterday I received a notice from a 3rd collection agency. I had received no notice of this third change. When I called them, they want me to pay {$250.00} a month. I can not afford to pay this amount. When I called Navient, I was told my loans were a charge off since XXXX. So apparently my loan keeps getting sold while I continue to pay each new collection agency.
Company Response: Closed with explanation
2019-01-18
PA
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Complaint: I have put in a compliant about a month ago in regards to how Mr. XXXX ( Navient Solutions ) has called many of my family members before contacting me in regards to my loans with them. Today I have received a call from Mr. XXXX at XXXX. I called him back at XXXX, even before I could get a chance to give him a call back ; he had already called one of my family members before I could give him a call back. This has been an ongoing issue and is very frustrating. I am tired of dealing with Navient Solutions. They want their money but not willing to work with the individuals. They also call everyone in your family before giving the person who is responsible for the loan to call them back.
Company Response: Closed with explanation
2019-01-18
Booth, TX
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-01-18
Sebring, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2019-01-18
WA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I have statement from XX/XX/XXXX and XX/XX/XXXX that two of my loans through Sallie Mae were sent to XXXX XXXX for collections. To the best of my knowledge, these loans were paid through collections, and I received no further correspondence regarding them until XX/XX/XXXX, when I was contacted by XXXX XXXX ( XXXX XXXX XXXX ) about the same two loans, now being serviced by Navient. At the time I didn't realize that these were the same loans.
Now, after several months of trying to figure this out with Navient, I do believe that I may have paid these loans a second time, in error. Additionally, after contacting the University which Navient reports that these loans were dispersed to, they have no record of any private loans for my tuition. I am unsure how to proceed at this point, as Navient is still trying to collect payment for two more loans. I was advised to begin by filing a complaint with CFPB.
Company Response: Closed with explanation
2019-01-18
Dacula, GA
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
2019-01-18
Hamburg, MN
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: Hello, I have recently received information from Navient about the terms of my last agreement with repayment. This is ONLY after they sold my debt to a collection agency. I have been requesting this information in WRITING for the last 4 years, multiple times and have submitted multiple complaints with the CFPB about this topic and never received WRITTEN proof of the program I was on. While I was on the program I logged into the Navient website and found no confirmation my interest rate was lowered to the .001 % interest rate promised, and from what I saw on the website the payments I made were less than what was owed and I was late Several thousand dollars. I also noted that though I had paid on time for over a year my debt owed had actually gone up, which seems odd for a repayment plan. I was also told at the very beginning almost 4 years ago, that this plan would PREVENT me from defaulting on my loan and I didnt find out till 3 years after that I was defaulted the entire time and the only way out was to pay the loan in full, which was impossible at the rate I was going as my payments were not lowering my amount owed even after 3 1/2 years of paying {$250.00} a month. I Can not consolidate this loan because no lender will recognize my school, and Sallie Mae/ Navient at no point ever offered me a consolation loan or an opportunity to do anything with this loan other than pay the 12 % interest rate. My original amount owed was {$34000.00} I accrued 15 % interest while in school and now owe over {$56000.00} despite paying over $ 17,000+ over the last 13 years. Sallie Mae/Navient has never given me a repayment solution that actually benefited me, everything they did just added more and more to my debt owed. Im totally financially crippled because of this and cant buy a home or car or even take out credit cards, I even have to over pay on deposits to rent an apartment even because my credit score is so negativly affected. Theyve gone as far as calling my work and my XXXX year old grandma when Im even a little late on a payment and told my grandmother that my mom was going to lose her house if I didnt pay. When they called me at work I told them not to call me there and hung up, only to have them call back SEVERAL times and even tell me they knew I was getting married soon ( never disclosed so they must have learned that from my coworker ) and that maybe I should marry a rich man instead.. this company has been a thorn in my side for over a decade and I would just like to move on with my life..
Company Response: Closed with explanation
2019-01-17
OR
False statements or representation
Debt collection: I do not know
Impersonated attorney, law enforcement, or government official
Complaint: XX/XX/2019, approx XXXX XXXX PST.
" XXXX '' contacted my mother, stating the call was about an investment I had made. Left callback number XXXX. Internet sources indicate this is XXXX XXXX XXXX, and that they have a history of illegally calling debtors ' relatives and employers and misrepresenting the nature of the call.
My mother is not a party to any debts I may have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-17
Harsens Is, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Ed dept of Navient continues to report my credit bureaus as me being delinquent being down my credit score when my accounts are in forbearance I havent been able to pay them because of the high rates they been charging me I now owe over a XXXX dollars in student loans with just them. I will never own anything because of them.
Company Response: Closed with explanation
2019-01-17
August F. Haw, CA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2019-01-17
Houston, TX
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: Called made arrangements as I am XXXX with no income. Got ongoing harrassment..assurances of everything fine with follow up email to come ..never came .several more calls..more threats same thing again..assurances and email to confirm never came. Now all quiet but still on credit report and tried to file credit ( potential ) fraud to XXXX yesterday ( on separate issue ) and could not remember Navient as potential collector.
Company Response: Closed with explanation
2019-01-17
N L R, AR
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
2019-01-17
Norfolk, VA
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
2019-01-17
Houston, TX
Communication tactics
Debt collection: Private student loan debt
Frequent or repeated calls
Complaint: I am the co-signer on my sisters student loan. She got behind on a payment and they started calling me instead of her. I promptly informed my sister and she contacted Navient and they said my number would be removed from the call list. They started calling again from a different number. When I spoke with them I asked if they had contacted my sister as i had in the past. They said they tried but could not reach her, but just like in the past my sister said they did not. She called Navient again and they said they are not sure how my number ended up in the list again and said it would be removed again. 24 hours later Im still getting calls
Company Response: Closed with explanation
2019-01-17
TN
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: Son Graduated in 2007 with debt of {$85000.00}. I am the co-signer and have paid a total of {$98000.00} to date and they say I still owe them {$100000.00}.
Company Response: Closed with explanation
2019-01-17
Evanston, IL
Getting a loan
Student loan: Private student loan
Problem with the interest rate
Company Response: Closed with explanation
2019-01-17
Bowling Green, KY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2019-01-17
Galena, OH
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: Since XX/XX/XXXX, I have made a payment every single month. I have spoken with a representative and they advised me to call in the next month to make another payment as a payment plan was not available. Even though that is the conditions they set with me, they call and harass me and my family every single month. Last night, they ( a guy named XXXX ) left a message at my work that everyone heard. This is ridiculous and needs to stop. I don't have a lot of money, but I make payments every month. This kind of harassment should be illegal and make me beyond angry. I will try find another option this year for my student loan repayment. This company crushes your soul and isn't satisfied until you're destitute, and your family has nothing. I am convinced they would take the clothes off your back if given the chance. Stop the harassment.
Company Response: Closed with explanation
2019-01-17
Oxford, GA
Threatened to contact someone or share information improperly
Debt collection: Private student loan debt
Contacted your employer
Complaint: XXXX XXXX XXXX, have sent a letter to my job in regards to garnishment for student loans and have already garnisheed 2 paychecks. I have never received and documents from them prior to them contacting my job. Then when I called they told me that they would stop the garnishment once they send out a letter to me and I have 30 days to respond. However, they just garnished another paycheck.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-17
OH
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I was told by my college XXXX XXXX XXXX that I did not have any government money left to use to pay my tuition and fees and therefore I would need to take out private loans in order to pay. The financial aid department at XXXX certified my loans for amounts exceeding the cost of tuition and then kept the extra money. I later found out after leaving this school that I did have federal funds available to pay for tuition. As a result I now have several large private student loans with Sallie Mae. Now Navient the collections branch of Sallie Mae is constantly harassing me and my co-signer for extremely high monthly payments that I am not able to make because they exceed my monthly income and my co-signer can not make because they are XXXX ill and currently in the hospital. I have spoke with different agents in the past, most recently in XX/XX/2018 regarding options to lower my payment amounts to feasible amounts. I have offered to provide my pay stubs, monthly bills, and statements from credit card companies to show how these large payments would create undue hardship for me. They have never requested any document from me to prove my undue hardship. The agent I spoke with only asked me questions about certain expenses over the phone. Navient only offers me a forbearance option of paying {$150.00} which doesn't lower my monthly payments it only makes the account current and thus makes no difference. The last time I spoke to an agent regarding lowering my monthly payment amounts I suggested an amount that was reasonable for me. I was told it wasn't going to happen and was mocked for not being able to make the suggested monthly amount Navient wanted. Currently I only send Navient what ever money I am able to come up with when I can. I have told them repeatedly that I can not make these large payments and that I can only pay what I can afford, but the call repeatedly everyday.
Company Response: Closed with explanation
2019-01-17
Houston, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-01-16
Wallington, NJ
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with non-monetary relief
2019-01-16
Olympia, WA
Incorrect information on your report
Student loan: Federal student loan servicing
Personal information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-16
Waynesburg, PA
Communication tactics
Debt collection: Federal student loan debt
Frequent or repeated calls
Company Response: Closed with explanation