Navient Solutions, LLC.

2018-12-28

Lewisville, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I am submitting a complaint on Navient/Sallie Mae loan servicing due to several reasons. My original loan amount after consolidation from XXXX as reflected on their website was {$22000.00}. My current balance today, XX/XX/XXXX is {$98000.00}. I have called them numerous occasions to understand how my balance increased that much during a chapter XXXX bankruptcy period in which I was not aware of interest accrual and never received any correspondence of that fact. Prior to the chapter XXXX bk filling my loan was either in a default or forbearance status as I could not afford to pay the loan and the only options communicated to me was forbearance. My husband was XXXX in the military from XX/XX/XXXX-XX/XX/XXXX and I am not certain if during this timeframe there should have been some form of reprieve from interest accrual. The bankruptcy was filed after his return from the military XX/XX/XXXX due to financial hardship and his eventual unemployment. Every time I've called Navient to discuss repayment options that I can afford, they have been unable to offer an agreed upon amount that I can afford outside of a brief period in which I was paying {$69.00} for a 12 month timeframe after I sent a written note explaining my situation. Since that time I have been unable to obtain assistance in lowering the amount and due to the interest accrual don't see any reprieve or other alternatives outside of defaulting. While I did apply for income sensitive repayment plan, the calculations are based on your IRS tax returns which is misleading due to my husband 's XXXX XXXX. His income fluctuates and I am responsible for taking care of my family and paying household expenses. There is no way I can do that and pay the huge amounts they are asking me to pay on the current income sensitive repayment plan of {$930.00} for 12 months and {$1000.00} for 141 months thereafter.
Company Response: Closed with explanation

Timely Response

2018-12-27

La Pine, OR

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: In XX/XX/XXXX I began my XXXX studies with the University of XXXX-XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my XXXX studies in XX/XX/XXXX with University of XXXX and completed my XXXX studies in XX/XX/XXXX. I was also enrolled at the University of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University of XXXX-XXXX in XX/XX/XXXX, I completed this program in XX/XX/XXXX. During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to XXXX XXXX, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. On XX/XX/XXXX DOE directed Sallie Mae/Navient and XXXX/XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX XXXX XXXX XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with Sallie Mae/Navient. To my knowledge this was never corrected. Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Company Response: Closed with explanation

Timely Response

2018-12-27

Portland, OR

Communication tactics

Debt collection: Federal student loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-12-27

Queen Anne, WA

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

2018-12-27

OH

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: Account # XXXX ( Since 2009 ) So I owe Navient private student loans. For the past 8 years I have paid Navient some type of payment. Even when I was going to school. I know they recently combine my loans into one billing and they are now charging me only 1 % but it is still too much. It is at XXXX but I'm laid off and once again I called today to ask how much have I contributed to my loans? My student loans were around 8k, and that 8 years ago and I still owe XXXX. So need to know if Navient has added unnecessarily interest. It seems like I've been in a never ending cycle of debt with Navient. I need {$0.00} payments. I need this because for the past 8 years I have paid over and over again some type of payment. I need forgiveness for this loan. I'm going through a lay off and the same hardship for the past year now. I need forgiveness and I need this loan forgiven once and for all.
Company Response: Closed with explanation

Timely Response

2018-12-27

Lenzburg, IL

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

Timely Response

2018-12-27

Galena, OH

Incorrect information on your report

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

Account status incorrect
Complaint: I did online school at XXXX university after graduating can not find a job in the same field opened up my student loans in XX/XX/XXXX I was not making payments on my student loans because I was always in forbearance they cant sleep report 30 60 even 180 days past due I have never been late I have never started making payments till XXXX and Ive been current cents but stated on my credit report one month I will be current the next month Ill be 30 days past due then Ill be current again and then two months later Ill be 60 days past due then 120 days past due then 180 days past due this is all false information reported to the credit bureau There in the forbearance I followed all the guidelines that you were supposed to follow Ive called them several times for them to fix my credit report and all I get from them is excuses of why that its on their excuses they give me or incorrect and dont understand if youre not paying anything due to being in forbearance how that you can be late Ive been working with them for years trying to get this fixed please help thanks XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-12-27

Ft Lauderdale, FL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I paid Navient for over 11 or 12 years faithfully no break in time believing that I had been on a forgiveness repayment loan being that I had a job in XXXX and for that reason never wavered from leaving the job I worked at since graduating as well as paying month after month and year after year, to be told that I had the wrong loan after over a decade.
Company Response: Closed with explanation

Timely Response

2018-12-27

Happy Valley, OR

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

2018-12-27

Sacramento, CA

Incorrect information on your report

Student loan: Federal student loan servicing

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2018-12-27

Bohemia, NY

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Complaint: Navient put 6 different loans and split them up and filed them all as delinquent
Company Response: Closed with explanation

Timely Response

2018-12-27

Queens, NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Sallymae / Navient continuously provides incorrect, misleading information on private loans. I have multiple loans with those lending organizations. On this occurrence I fell behind on payments due to fraud that occurred on my checking account. I called 3 times end of XX/XX/XXXX thru first week of XX/XX/XXXX, with each call experiencing a wait time to speak with a representative that EXCEEDED 45 minutes, thus having to hang up and get back to work. On XX/XX/XXXX called again to make payments that were past due now, payments to be paid included XX/XX/2018, XX/XX/2018, XX/XX/2018 ( 1/2 ) for a total of {$2000.00}. The representative stated on the phone the payment would be processed and that she approved the payment schedule for automatic checking deductions, and has assigned all loans accounts as current and paid as agreed. Additionally she stated that my next payment would be XX/XX/2019 for the same payment amount of {$830.00} per month. I left satisfied and happy thinking SallyMae / Navient finally gotten there act together after Years of inaccuracies, headaches & stress attempting to service my loans to remain in my good standing. Going into the 3rd week of XX/XX/XXXX, my credit monitoring emailed me stating that SallyMae / Navient reported all 4 loan accounts as DELINQUENT. I called into the customer service to see what was going on, today XX/XX/2018. I spoke to a manager named XXXX XXXX ( is this really his name? ) That refused to listen, research notes or the call that took place on XX/XX/XXXX. After holding him accountable via phone demanding he look into the notes and transactions placed by the representative on XX/XX/XXXX for well over 20 minutes of arguing, noting that he does have the resources and tools to do this while I am on the phone ( was rushing to end the call and move on ) he woke up and noticed that I must be well informed individual and slowly started to look into this information, after a furious 15 minutes of being rude, confrontational and unwilling to assist in their error and demanding an additional {$1800.00} payment. Overall, XXXX XXXX admitted on the phone that this is what exactly was told to me and set up and that there is nothing they can do to stop the negative credit reporting although this ws the information and set up provided to me on XX/XX/XXXX, & that I must pay an additional {$1800.00} to bring all accounts current to good standing. I stated that if this information was given to me on XX/XX/XXXX or within that week, that payments would have been paid on the following pay period in full as that was my original plan ( received a small bonus for Q3 ). XXXX stated there was nothing he could do except to file a system complaint. As it stands my credit reporting is reflecting negative false information, SallyMae / Navient refuse to own their mistakes and take accountability for what was promised and set up on the XX/XX/XXXX call despite the notes reflecting my exact encounter. I am on a 3 year repayment plan of 1 % ( given high loan volumes ) and do not want to be displaced out of the program due to their errors. Additionally, my credit is being affected dramatically due to their error in which XXXX failed to provide a suitable resolution today. If proper communication and actions were taken by SallyMae /Navient payment would have been made as it would have been budgeted for. For them to retract the XX/XX/XXXX call and the set up that SallyMae / Navient offered for the next payment date of XX/XX/XXXX, with no payments due XX/XX/XXXX, keep in mind this was not asked of SallyMae / Navient, it was told that this would take place in such perimeters. In closure this is not the first, the second nor the 10th occurrence with SallyMae / Navient This is a consistent issue with servicing my loans whilst my credit is impacted. SallyMae/ Navient need to own their mistakes, -keep to what was communicated and processed on XX/XX/XXXX ( as unable to budget differently with various amounts of payments every time they conduct in error ) -Correct my credit reporting not only for this occurrence but for all other occurrences that have transpired over the last 5 years. -Provide Written documentation on business letter head, date and signed on Behalf of Sallymae / Naivent noting the mistake and actions conducted to rectify those mistakes. -Provide Written documentation on business letter head, date and signed via certified mail of corrections to all credit bureaus & certified mailed copies to Borrower . I find it absurd corporations place there clients through such ordeals and that there is no legislation holding these corporations accountable nor any financial relief for the borrowers. SallyMae / Navient have breached the following laws on several occasions since XX/XX/2004 : The Fair Credit Reporting Act The Fair Debt Collection Practices Act The Truth in Lending Act
Company Response: Closed with explanation

Timely Response

2018-12-27

N Hollywood, 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

Timely Response

2018-12-27

Rochester, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: All of my student loans have been consolidated with Navient as of XX/XX/2017. I have never missed a payment or went into forbearance and even pay extra towards the principal of the loans in order to pay them off quickly. My problem is how they handle my over-payment. My goal is to simply apply my extra payment to the smallest loan to pay that off quickly. Their website allows this to happen yet this never happens. Any extra amount I attempt to pay towards the smallest loan is ignored and spread across all loans, allowing Navient to make the most out of interest and barely making a dent in my loans. This misallocation of funds must stop! I have contacted the company to fix the issue on their website and they have had to go back into my account to move any extra payment into the smallest loan. I should not have to call every month to have them move funds correctly as directed on their website. This is a pain and back practice.
Company Response: Closed with explanation

Timely Response

2018-12-27

AZ

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: For approximately eight months I have had an automatic payment plan with NAVIENT. This plan was established to bring my account current, ensure all monthly payments were on time, and to avoid further late fees or penalties. However, after the agreement had been made I started receiving repeated calls and emails from NAVIENT stating that I had missed payments and that late fees would be applied to my account and that it would ultimately affect my credit. I was told to contact XXXX XXXX which I did. I explained that the late fees and missed payments made no sense. Records clearly showed that we " agreed '' to {$100.00} payments to be deducted twice per month for a total of {$200.00}. No payments had been missed and my payment history on NAVIENT 's website clearly showed everything was current. NAVIENT researched the matter and said that I had repeatedly missed a {$6.00} payment which was caused by a change in interest rates. I reapetedly asked why this wasn't addressed eight months ago when we entered the repayment agreement? There absolutely no answers to the question, and it clearly did not matter to them that my credit was being impacted by a questionable and arbitrary {$6.00} fee. So, to address the matter I had to enter into another repayment " agreement '' for the {$6.00} which was to be automatically deducted each month. I was told that this would eliminate any additional fees and that my account would be current. The last {$6.00} payment was deducted on XX/XX/2018, and my initial payment of {$100.00} was deducted on XX/XX/2018. So, according to NAVIENT, I will now pay {$100.00} twice per month even after we both agreed to {$100.00} twice per month eight months earlier. Now, on XX/XX/2018 I am receiving phone calls and emails from XXXX XXXX saying that my account needs attention again and that I have been repeatedly missing a payment. The amount missed now is {$10.00}. Without any explanation for the new amount owed, it has already negatively impacted my credit. I simply do not understand how I could have entered into an automatic payment plan / " agreement '' designed to prevent late payments, fees, and negative credit impacts, and yet NAVIENT keeps changing the rules and applying charges and fees with absolutely no explanation whatsoever.
Company Response: Closed with explanation

Timely Response

2018-12-27

Mount Holly, OH

Incorrect information on your report

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

Account status incorrect
Complaint: Both XXXX XXXX XXXX and Navient are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB
Company Response: Closed with explanation

Timely Response

2018-12-27

Irondequoit, NY

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

Timely Response

2018-12-27

Rockwell, NC

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Complaint: Navient calls an elderly student loan co-signer in a harassing manner upwards of six times a day ; they refuse to comply with the Fair Debt Collection Act.
Company Response: Closed with explanation

Timely Response

2018-12-27

AR

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I graduated from the University of XXXX in XX/XX/XXXX. I began paying back my loans shortly thereafter. In XX/XX/XXXX I started XXXX XXXX in XXXX, I am still a XXXX XXXX receiving my XXXX in XXXX XXXX. The lender has asked two years ago that I start repaying my loans, while I am receiving loans to live on for XXXX XXXX. They told me that I only get to pay 6-months of interest only payments a year and then later when I reached back out to see about options they told me I would have to default on my loan and then they would have more options for me. Being that I am in the XXXX XXXX, they neglected to give me options and as a XXXX XXXX I can not afford to start paying my loans back -- because I am not gainfully employed yet and still live off of student loans. I reviewed the documents and my grandmother called- they bothered us daily even while working with us. By calling multiple times a day ( both my grandmother and I ) and on weekends ( when they couldn't even be reached ) when we were working with them to fill out paperwork for forbearance for XXXX, they continued to harass us. Full disclosure, it takes time to have directors of XXXX XXXX sign paperwork when we all have full XXXX XXXX and put XXXX first, but I got it within a week and sent it back. They required corrections, then after I resubmitted it they told me it was the wrong document ( they didn't notice that the first time? ). I feel like I am being taken advantage of and it is not right. I am working very hard and keep in contact with them to ensure things are handled and I am being seriously mistreated.
Company Response: Closed with explanation

Timely Response

2018-12-27

FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Navient is a horrible company. Do not use them. The customer service representatives have hung up on me. Also the employees have been unable to give me complete, accurate answers on important information about how much my payments are or will be. When I ask questions they sometimes just refer me to the XXXX XXXX XXXX. And they send emails to my Navient inbox that do not give any explanations. This is serious! If you want me to pay you {$35000.00}, You should give me answers. I am currently in contact with the XXXX XXXX XXXX to have this matter resolved. If the XXXX XXXX XXXX can not or will not resolve this matter I will get a lawyer.
Company Response: Closed with explanation

Timely Response

2018-12-27

Burlingame, CA

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Seized or attempted to seize your property
Complaint: I have received a postal communication from " XXXX XXXX XXXX XXXX '' about unpaid student loan recovery on XX/XX/2018. They have threatened to withhold my wage if loan is not paid. I have never taken any student loan. I believe this is a case of identity theft. Please take necessary steps to ensure this does not happen again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-27

Winton, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Consumer Financial Protection Bureau, I need your help and would like to sign up as a part of the law suit against Navient Corporation for deceitful and illegal practices. My loans ( Federal student ) were originally with XXXX XXXX, then Navient servicing took over. Payment amounts were automatically increased and I spoke with representatives and requested a lower payment several times. They refused to accept an affordable payment. I am an XXXX who graduated and have been working in the XXXX field for over twenty years now. The original amount of loans were {$25000.00} ( twenty five thousand dollars ) and I believe that Navient has now increased this amount trifold. I can not afford to pay the amount that Navient is insisting as a monthly payment of {$1600.00} ( one thousand six hundred dollars ). I have pleaded with them and they are not willing to try and help me get into other payment plans. They have said that I do not qualify for any plans, yet I continue to work for a XXXX XXXX XXXX, in California. I am pleading with your agency as I am a victim of fraud and deception by Navient Corporation. They have ruined my credit and my ability to qualify for a loan forgiveness or any reasonable program that is available to me. I am in your mercy and pray that you will hear my plea. Please help me. Thank you for your time, Respectfully, an XXXX who works with XXXX who strives to make a difference in their lives.
Company Response: Closed with explanation

Timely Response

2018-12-27

Belvedere, GA

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

Timely Response

2018-12-26

Fort Worth, TX

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

Timely Response

2018-12-26

Cary, IL

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response