Navient Solutions, LLC.

2018-12-30

Blackbird, DE

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-12-29

Hernando, MS

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2018-12-29

Boston, MA

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-12-29

Ft Wayne, IN

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: Navient is harassing by calling way too often - and with auto dialers. Navient will call around 10 times a day from various numbers - whether you pick up or ignore the call it's the same message or silence.
Company Response: Closed with explanation

Timely Response

2018-12-29

Bancroft Hall, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Several of my student loans are serviced by Navient. I called them and let them know that, as a military spouse living overseas on my husband 's military orders, I was unable to find steady employment and needed assistance. I called Navient in XX/XX/XXXX and told them I had no employment and was struggling to pay my loan. They placed me on a forbearance, backdated it to XX/XX/XXXX so that I had no late payments, and extended the forbearance through XX/XX/XXXX while the unemployment deferment was completed. The unemployment deferment was applied on XX/XX/XXXX ; Navient back-dated the deferment to XX/XX/XXXX, despite having paid the loan through XX/XX/XXXX. Navient insists that I filled out my paperwork with an unemployment deferment date of XX/XX/XXXX ; I did not. Either Navient made a mistake, or someone in Navient fraudulently amended my Federal Unemployment Deferment application without my knowledge or permission. Regardless of where the transgression occurred, Navient still charged me two late fees and a required payment, which was paid, during the unemployment deferment period of XX/XX/XXXX to XX/XX/XXXX. I was charged a late fee of XXXX dollars on XX/XX/XXXX ; I was charged a late fee of XXXX dollars on XX/XX/XXXX ; and I was charged an anonymous fee of XXXX on XX/XX/XXXX, which was originally sent to me as the amount due for XX/XX/XXXX but wasnt applied to my account at all. Accounts with Unemployment Deferments in place are legally bound to be in good standing, with no fees charged or payments requested during that time. I requested a copy of the master promissory note from Navient. Navient can not find this promissory note, and as of this date I have not received the requested documents. I also requested a copy of the original unemployment deferment paperwork. As this paperwork was submitted electronically, I have the master copy ; the original copy does not list XX/XX/XXXX as the unemployment deferment start date. The begin date of unemployment is listed as XX/XX/XXXX. My husband is XXXX XXXX military, and employers often do not want to hire spouses of XXXX XXXX military members because we have to move often, so I have no had full-time employment since then. I spoke with XXXX ID NUMBER XXXX who informed me that they were looking at a copy of my paperwork, it was right in front of them, and the start date was definitely XX/XX/XXXX. I then spoke with XXXX, ID NUMBER XXXX. They both told me that because the financial discrepancies were posted to the account, they can not change them and are refusing to either adjust the false charges or adjust the unemployment deferment they fraudulently applied to my account. My new account balance is XXXX. Three weeks ago, my balance was XXXX ; a year ago it was XXXX dollar less than that. Not only am I receiving compounded interest, my account balance is increasing monthly, too ; around XXXX over the past six months. Because they can't find my promissory note and refuse to send me any statements, I can not begin to determine what financial mistakes they've made or how much I'm actually supposed to owe. Over the past several years, I received a notice that my payment schedule had been updated, but with no explanation and no one could answer why it was changing when my payments had been made on time.
Company Response: Closed with explanation

Timely Response

2018-12-29

Council, NC

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: Navient has been an extremely difficult company to work with and I am not sure they are servicing my loans appropriately. They service my private student loans, which are under my grandmother 's name as she is listed as the borrower even though I am the student who needed the loans at the time in XXXX. This company has not been helpful to provide me with information that I need to service my loans. I had applied in XXXX of XXXX for a reduced rate payment program and it was to last for 6 months. At the end of the 6 month period, I did not receive a letter stating the program was ending and that I had the option to re-enroll. They also informed me in XXXX that I had been set up with pay ahead payments, which they did not clearly explain to me what that was. All I understood from that conversation was that I had been paying ahead on my loans, which I never gave permission for them to do nor did I receive any notification that my payments were on the advanced pay schedule. Prior to enrolling in the reduced rate program, Navient did not explain to me all my options for reducing my payments since they were extremely high for the last several years. It wasn't until I made continuous phone calls that they were able to explain this program to me. Also, since the loan is under my grandmother 's name, it is very difficult to find out information since I am not the main borrower, even though I have been the one making the payments since the start of my loan in XXXX. During that phone call in XX/XX/XXXX, an employee explained to me that I could fill out a power of attorney form so that I could make the decisions and receive all information for the loan. Again, this was never provided to me as an option throughout all my difficult phone calls over the years with Navient. Furthermore, their website is not user friendly and does not provide me with detailed information regarding the student loan. It's difficult to find out when the loan was even dispursed. All correspondence is only operated through their log-in session and only goes back to XX/XX/XXXX. If I need a document beyond that, I can't access it online and I'm not even sure if I could receive it if I called them.
Company Response: Closed with explanation

Timely Response

2018-12-28

MN

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: XX/XX/XXXX School Year : federal loans consolidated with terms agreed to on master promissory note were a 120month repayment starting upon matriculation from my institution, XXXX. Date unknown : I received notification that Salie Mae was spinning off & my loan would be serviced by Navient XX/XX/XXXX : contacted Navient to inquire, what remained on my loan & was told that I was in a 240month repayment plan. I then sent a letter to Navient & requested a copy of my original promissory note. When Navient replied via mail, they sent only a signature page & showed no repayment period terms. As my time allowed I thrive placed calls to Navient, who generally kept me on the line 40min-2hrs as the respondent investigated & /or waited for a supervisor to become available. I was then told a promissory note would be sent. No further information was received in the mail XX/XX/XXXX : On phone with Navient Employee XXXX ID XXXX for 41min. He stated the mastery promissory note on file was cut off and no loan repayment period was shown. I was again put on hold to wait for a supervisor. XXXX XXXX. He again has said paperwork will come in 7-10 days. I maintain that without my consent, my loan repayment was altered from a standard 10 year 140months to a 240month term.
Company Response: Closed with explanation

Timely Response

2018-12-28

Lewiston, ID

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-12-28

PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I am a public servant and have worked for the XXXX XXXX XXXX for 14 years. I am eligible for Federal Loan Forgiveness, but when I've contacted Navient over the years, I'm always told that I have the wrong kind of loan. If they are the ones giving the loans, how could I have been assigned the incorrect loan. I believe that Navient is trying to avoid allowing their customers to receive Federal Loan Forgiveness. I have had issues with customer service with the last 8 years trying to get the name on my account to match my legal name. I'm not holding out hope that Navient will do right by its customers.
Company Response: Closed with explanation

Timely Response

2018-12-28

Panther Creek, TX

Problem with a credit reporting company's investigation into an existing problem

Student loan: Federal student loan servicing

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-12-28

Eastwick, PA

Incorrect information on your report

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

Account information incorrect
Complaint: There are 3 accounts on my credit file being reported by Navient # XXXX the date of 1st delinquecy is being reported differently across the 3 credit bureaus XXXX reports 60 days XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX reports 30 days XX/XX/XXXX Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information.
Company Response: Closed with explanation

Timely Response

2018-12-28

Odell, OR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XX/XX/2016 I started going back to school to earn a XXXX 's Degree in XXXX. At this time Navient put my loans on Deferment without informing me of this. After two months I noticed no payments were being made to my student loans and a small amount of interest was added to the account. I never would have know the loans were put on deferment if Navient wouldn't have called me asking if I wanted to open a loan as they saw I am back in school. I responded that I did not need any additional loans and that I did NOT want them to put me on deferment again. Since then I have had no issues with the loan provider but they are making changes to my account without informing me the lender, increasing my total amount owed! I truly feel that there may be other information they are not telling me and they are charging me more then what I owe.
Company Response: Closed with explanation

Timely Response

2018-12-28

Okc, OK

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: For 4 of the last 6 years with Navient my loans have been on deferments and forbidance. Not once was I offered an income based repayment plan instead. I have lost years of eligible payment time.
Company Response: Closed with explanation

Timely Response

2018-12-28

PA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Navient incorrectly stated in XX/XX/XXXX while I was still enrolled in school full time that my Signature Student Loans had a " 48 month maximum in school deferment '' even though years had passed since those loans were taken out and nothing was documented in promissory notes. They demanded payment then let me use an internship deferment. Fast forward to XX/XX/XXXX, loans again went into repayment, they refused to acknowledge still in school status again, forced me to use month of forbearance. End of XX/XX/XXXX they demanded $ 1700+ a month. After speaking to multiple supervisors they " agreed '' to do a financial review and stated I could enter a Rate Reduction Program. After 2 months in the program, account still had not changed to reflect agreement, they then stated ( to PA State AG on my behalf ) that it was " a qualifying period to later qualify for the program by making payments stated. '' I realized by XX/XX/XXXX, at which point I did finally finish school ), I could not sustain these payments on my newly acquired job income ( was unemployed from XX/XX/XXXX to XX/XX/XXXX ) working in XXXX XXXX XXXX currently. I reached out to them and they stated " there is nothing we can do, the answer is no in terms of reducing or changing payment. '' They insisted I ask friends/family for money or " get a better job or another job. '' They refused to acknowledge I was previously eligible for deferments and purposefully mislead me to options while hiding other available options from me as a borrower. I called back again this week ( XX/XX/XXXX ) and was refused access to the consumer advocate department of their company as I was returning a call from that department. I was forced to transfer to the " collections department '' where a supervisor acknowledged the whole " 48 month max deferment '' was indeed an error but refused to provide this in writing. They also stated " you never used your internship deferment and you could have used in school deferment from XX/XX/2017 to present but chose not to '' which is a blatant lie as they INSISTED on multiple occasions I was no longer eligible for in school deferment. I asked to supervisor to cancel auto debits to my account and asked again for payment relief or another plan and was again told " by now qualifying for the rate reduction program you are no longer eligible for at least one year to apply for any other payment program. '' I can't afford these payments and they mislead me into a payment plan I can't afford at this time and refuse to work with me on this. I asked they send every communication in writing and they stated verbally " we are not required to offer more affordable payment options nor are we obligated in your state to respond to or consider requests for documents and communication in writing. '' As a XXXX XXXX XXXX and on the path to becoming a XXXX XXXX, this behavior by Navient and their treatment of borrowers is absolutely appalling and disgusting. They have lied to me, misled me, changed terms without documentation, lied about options available, and done what appears to be everything in their power to misdirect and mislead me into a payment plan I can't afford then tell me I can't get another payment plan. Please do something to help myself and thousands of others being forced into options that make the debt grow and force many of us to decide between rent or paying a company that jacks up interest on loans " because we can. '' I called looking for a workable payment plan and can't even get Navient to provide documentation on changes to these loans. This company is causing distress to thousands of borrowers who call seeking help and assistance.
Company Response: Closed with explanation

Timely Response

2018-12-28

Potomac Falls, VA

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

2018-12-28

Galena, OH

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I recently found that Naviant had filed delinquencies on my Credit Bureau. I was a co-signer for my son 's Student Loan and he had fallen behind. The loan was re-financed without my knowledge and when I called in the last 12 to 18 months to inquire about derogatory items on my Credit Bureau, I was told that it would take 6 months to resolve. I followed up by pulling my Credit Report and my score had continued to drop. I called Naviant again and they would not take my call without my son or daughter-in-law. I called with my daughter-in-law and they stated that they did have a recorded call of me being told this would be resolved in 6 months but there was nobody there that knew how to remove me as I was promised.
Company Response: Closed with explanation

Timely Response

2018-12-28

Indiahoma, OK

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Navient began giving deferments & forbearance 's for my loan, .... and suddenly I rec'v a bill for the total, ... PLUS interest, penalties - with my orig. loan being {$30000.00}, and the bill ( due immed. ) of {$53000.00}. A company called " XXXX XXXX XXXX '' is calling now, .... telling me my loan can be INSTANTLY forgiven! When I asked for information about the company- they just hang-up. Their number is : XXXX, ... ... which a search provides no information - except that it is suspected as a scam! I've heard that Navient is scamming people, ... & suffering from lawsuits thereafter, so I want my debt cancelled - in full! I'm not going to pay - just to be scammed.
Company Response: Closed with explanation

Timely Response

2018-12-28

Grand Haven, MI

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-12-28

Katonah, NY

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

2018-12-28

Helena, MT

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: My student loans are serviced through Navient. I have a repayment plan with consolidated federal direct loans that is income driven. The only problem with that is that this plan does not take all of my other debt into account. They strictly ask for income and never ask for existing debt. I have a mortgage, two car payments, and multiple credit cards to pay as well. There is no way I can afford a {$400.00} a month repayment plan. I owed {$49000.00} in student loans when I graduated in 2012 but have had to forbear my loan repayment since then because even on income driven repayment I can not afford it. I WANT to pay my student loans back but now I owe almost {$80000.00} in student loans because of interest. My husband and I both have two jobs, how is this even fair? Even when I call them and complain repeatedly that I can not afford it they will not take my existing debt into consideration. How am I ever supposed to repay them? Now I am out of forbearance all together and I can not pay my monthly amount. Do I just wait for them to start garnishing my wages? If I can't afford it now, how am I going to be able to afford that? Then how do I pay my mortgage? Car payments? Credit card payments? How can they get away with only considering income and not considering debt? There is no way I can work any harder than I already am. IT is super stressful. Is anything being done to revise how they handle student loan repayment with Navient? I am sure that I am not alone in this struggle. Please help.
Company Response: Closed with explanation

Timely Response

2018-12-28

Phoenix, AZ

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: Every year my private student loan payments increase. I have tried to lower my payments to a more reasonable payment but Navient refuses. I am almost to a point where my loans may default.
Company Response: Closed with explanation

Timely Response

2018-12-28

Lake Shore, MD

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

2018-12-28

KS

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I consolidated my loans with Navient. I tried to enter into a IRP. I filled out the application process several times and each time it was denied or did not go through. My Navient advisor was not helpful, couldn't explain why and would just send me emails stating I should reply yes to get it deferred. There was no explanation of fees or charges and I lost my job while trying to get my loan IRP in order. Navient said deferment was my best option. I was out of work for 5 years and this year went back to work. I was contacted by XXXX a credit recovery service who said my balance from Navient is XXXX and I now in default and owe the total XXXX. My original loan had now ballooned to double the amount owed and the loans through Navient are in default. My other loans through XXXX are in good order. I have tried to get an explanation, log on to my Navient account and am unable to do so. I was fraudulently charged double my loan with no notification or explanation. Original loan is XXXX, XXXX with a 6.8 % interest rate that is an additional XXXX. Navient has charged me an additional {$52000.00} which is more than my original loan amount!!!!!!!!!!!!!!!!!!!! 1.XXXX university original Balance {$8500.00} - with fees from Navient {$14000.00}. XX/XX/XXXX {$4200.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX XX/XX/XXXX {$4200.00} 2. Orginal loan {$30000.00} with fees from Navient {$53.00}, XXXX XX/XX/XXXX {$30000.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX 3. Original loan {$12000.00} with fees from Navient {$25000.00} XX/XX/XXXX {$12000.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX DA DEFERRED XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX DA DEFERRED XX/XX/XXXX BK BANKRUPTCY CLAIM, ACTIVE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2018-12-28

CT

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I have contacted Navient on three different occasions this year ( not including my initial application ) regarding my current IBR loan payment that is causing serious financial burden. I have uploaded my income information and submitted the form requested each time only to again be told they still need my form or my income information again. XX/XX/2018 has been a very difficult year financially as I had major XXXX for XXXX and have been struggling to pay the medical bills that came with XXXX and at the same time pay other medical bills due to other XXXX XXXX issues. I supplied Navient with proof of loss of income for the almost 2 months and they ignored it and forced me into a forbearance rather than a financial deferment that I actually requested. To add insult the injury my loan jumped {$11000.00} plus in just one month prior to my IBR being renewed. The calculations that they claim are correct are not consistent with their own website when I use their online calculator to figure out what the loan would be I got different totals. The loan since this summer has been growing exponentially. Currently, there is a $ XXXX monthly payment due that I can not pay due to the aforementioned, and I have again called and submitted additional income information, but I'm concerned that their games will negatively effect my credit in the interim. My monthly payment has never been this high in the over 10 plus years I've had the loan and with my income so low it doesn't make any sense that it should be this high.
Company Response: Closed with explanation

Timely Response

2018-12-28

Bee Spring, KY

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
Company Response: Closed with explanation

Timely Response