Navient Solutions, LLC.

2018-12-26

East Rockaway, NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I applied and accepted a forebearance for my private loans in XXXX. The forebeaance was to start in XXXX. Come XXXX, Navient deducted the payment from my account. I called and they said that the representative who handled my forebearance forgot to cancel my payment ( I was on auto debit ). I received mutliple overdraft fees from my bank on this. It is now 3 weeks later and I have not received the refunded money. I called today - and was told it was processed on XX/XX/XXXX. I called XX/XX/XXXX. Not sure why this is taking so long, it is ridiculous. I was told it was a holiday - I called 3 weeks ago, way before a holiday. Navient system is disorganized, and unreliable.
Company Response: Closed with explanation

Timely Response

2018-12-26

Leeton, UT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have enrolled in Auto Pay and have been making extra payments in addition to the automatic payments. I made an additional payment of {$800.00} on XX/XX/2018 over the phone. I instructed I did not want it applied to future payments and I only want to be applied to loan # 2. They misapplied the payment and since then my auto payments have been incorrect despite calling numerous times to fix the problem. I made another additional payment of XXXX on XX/XX/18. I once again called Navient and requested my overpayment be applied to loan # 2 and for it not to be applied to future loans. This payment was processed incorrectly. My auto payments have been incorrect since XX/XX/2018. I have multiple debits and credits on my account due to Navient trying to correct their error to the point where I an unsure of what my balance actually should be. I call at least twice a month for them to correct their mistakes.
Company Response: Closed with explanation

Timely Response

2018-12-26

Las Vegas, NV

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: Helloo.. My name is XXXX XXXX, I signed up with XXXX XXXX XXXX XXXX XXXX and put {$150.00} plus 5 more payments plan which is equal {$750.00} And I just find out they are a total scam. They stole money from me and I just want it back to put towards my actual loans please. Anyone have any information on how to get our money back?
Company Response: Closed with explanation

Timely Response

2018-12-26

Ardmore, MD

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-12-26

Drexel Hill, PA

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

FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: They keep calling me trying to tell me I qualify for loan forgiveness and when I call they tell me it is only for over 10 grand in order to qualify. I keep getting harrassed by phone calls even still after I told them to stop calling me anx telling me that.
Company Response: Closed with explanation

Timely Response

2018-12-26

FL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I called Navient to discuss private loan repayment plan of a monthly affordable amount to continuously pay and my assigned case manager was rude and refused to work with me. I explained what I could consistently pay monthly and she told me there was no payment plan with that option. I told her that's why I didn't want to call because I knew they would not work with me. I finally told her to do what ever and I hung up the telephone in disguise.
Company Response: Closed with explanation

Timely Response

2018-12-26

Portage, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Company Response: Closed with explanation

Timely Response

2018-12-26

Bath, NH

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

2018-12-26

Grand View, ID

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: On XX/XX/XXXX, I paid off my federal student loan through Navient 's online account-servicing site. At that time, I turned off the auto-payment feature. For added measure, I wanted to remove all my banking information from the site so that they could not take out the regularly scheduled payment on XX/XX/XXXX, but I was unable to remove it because that would mean that Navient could not process my payoff payment. So I TURNED OFF auto-payment and thought well if the balance is {$0.00}, and auto-payment is OFF, they won't take a payment. WRONG. They processed the regular payment anyway, taking the money from my checking account and reflecting an overpayment credit balance on my student loan. When I called XX/XX/XXXX to have this corrected, the agent immediately put through the refund request, but then informed me it takes 30-45 DAYS to get my money back!!! It was their mistake, yet they are keeping my money for a month or more and refuse to pay interest back to me on money they should not have withdrawn in the first place.
Company Response: Closed with explanation

Timely Response

2018-12-26

Arco, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Closed with explanation

Timely Response

2018-12-26

Houston, TX

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

2018-12-26

Keytesville, MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Complaint: I called Navient on several occasions asking for All of my Monthly statements, but I have not received them. Since I didnt receive the statements I got a new loan through XXXX ( not knowing they were owned by Navient ). I am looking specifically to : late payments applied, misapplied payments, interest rate offered through XXXX at time of loan acceptance. I am No longer able to login to Navient to view my specific past monthly loan history. I believe the company has also changed the billing statements to be more confusing to the borrower. Originally, the balance would be listed after each payment, this was changed over the years.
Company Response: Closed with explanation

Timely Response

2018-12-26

Chicago, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with monetary relief

Timely Response

2018-12-26

Canton, GA

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

2018-12-25

Ft Wayne, IN

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I have a fixed rate loan at Navient which I have been paying on for almost 9 years. Going thru my payment history I noticed that each month the interest is different and not by small amounts. {$8.00} one month and the next {$23.00}. Other months {$4.00}, {$6.00} even {$16.00} more than the previous months. There should not be that much difference month to month. Something tells me shady bookkeeping is going on. Have paid {$2100.00} on interest in all these years. Sent a email to Navient on XX/XX/2018 about this issue and also said I would be reporting this to CFPB. Thank You for your Help
Company Response: Closed with explanation

Timely Response

2018-12-25

Newnan, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I would like to know why do I have to pay back interest on my student loan. I have a forebears until my case end my be up to 2 years, because my school misled me and closed down. i have a case with the federal borrower defense. It's been 8 months. I don't know why i have to pay navient interest on my loan for something that not my fought.
Company Response: Closed with explanation

Timely Response

2018-12-25

Grangeville, LA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Navient was suppose to take {$51.00} out of my account every month on the XXXX. They are doing this since XX/XX/2018 but on XX/XX/XXXX they took the money then emailed me saying they have not been paid when I have proof it came put of my account. Then on XX/XX/2018 they took {$85.00} without telling me why or what ot was for and again on XX/XX/2018 they took another {$240.00} out of my account without any information.On XX/XX/XXXX they took the normal {$51.00} payment. On XX/XX/2018 they again took {$240.00} out with no information. This left me with only {$14.00} on XXXX XXXX to support my 3 person family on for the week..this was almost my entire pay check that they took from me for XXXX. On the website on my payment history there is no sign that anything of the higher payments they took out happened. They had originally told me I could make small payments monthly but they stopped taking it out my account and stopped everything.
Company Response: Closed with explanation

Timely Response

2018-12-24

Mcdonough, GA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XX/XX/2018.
Company Response: Closed with explanation

Timely Response

2018-12-24

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have been receiving robo-calls from Navient regarding a debt for a person that I don't know. The calls started out once or twice a week, then ramped up to once a day. After contacting them via phone and explaining, this is a place of business, I have been receiving twice the calls, the last one today, XX/XX/XXXX. I don't mind speaking with an Agent, even though the debt isn't mine in the hopes of resolving the issue. However, these calls are from an automatic messaging system, so you need to call them back and wait for 10-15 minutes to get a live person. Each person is cordial enough and tell you that they will take you off the list, then you receive two calls the next day. Please assist in fixing this issue. I'll provide all the pertinent information. Since, this is a business line, we've got all inbound and outbound call data saved.
Company Response: Closed with explanation

Timely Response

2018-12-24

FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: On XX/XX/XXXX I processed a payment for {$1400.00} to finish paying off my student loans. Then I checked because money had not come out on the XXXX. The payment did not reflect in their system so. I scheduled it again. Then both amounts came out the next day. I spoke to them on XX/XX/XXXX and was told it would be processed in 3-5 business days but that never happened. I called on XX/XX/XXXX and spoke to XXXX ( no id given ) and then her supervisor XXXX ( ID XXXX ). XXXX first told me it would be in my account today but that seemed odd so I asked for a supervisor and XXXX informed me that the refund was never processed at all- directly opposed to what I was told on XX/XX/XXXX and by XXXX on the same day. XXXX would not give me XXXXXXXX XXXX id number for my records. I gave XXXX my account and routing number for a second time ( first time was on XX/XX/XXXX. I was told it cold take 7-14 business days. I then was processed to another, allegedly higher up supervisor. I was told all staff are " offshore '' and can not expedite the reimbursement of my refund for the money that was not scheduled in their system to be taken in the first place.
Company Response: Closed with explanation

Timely Response

2018-12-24

Northbush, NY

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

2018-12-24

Mill Valley, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I consolidated my federal loans with Sallie Mae years ago. When the Public Service Loan Forgiveness became known Sallie Mae told me over the phone my loans would qualify. Then my Sallie Mae became Navient and Navient told me I don't qualify for the 10 year pay off. I'm XXXX years old, a XXXX XXXX XXXX XXXX XXXX and I spend months arguing with Navient. I don't have time to argue for years with Navient so I transferred those loans to the fed loan system, so I can at least start the payoff. How do I get Sallie Mae or Navient to honor the Public Service Payoff?
Company Response: Closed with explanation

Timely Response

2018-12-23

Rochester, OH

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XX/XX/2018 SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Current Creditor : Navient Solutions LLC Debt Description : XXXX XXXX Account Number : FDR Account Number : NES Account Number : Balance : {$6100.00} To Whom It May Concern : I have been contacted by your organization by letter ( dated XX/XX/2018 ) received on or about XX/XX/2018, attempting to collect on the above referenced debt. As discussed on my phone call to your office on XX/XX/2018, I filed for bankruptcy under Chapter XXXX of the United States Bankruptcy Code, on XX/XX/2018. The account referenced in your letter and as outlined above was discharged under bankruptcy, case number XXXX, in the U.S. Bankruptcy Court for the Northern District of Ohio on XX/XX/2018. I have enclosed a copy of the Order of Discharge ( Official Form XXXX ) XX/XX/2018, for your reference and a copy of page 8 of the Schedule E/F : Creditors Who Have Unsecured Claims ( Official Form 106E/F ) showing the above referenced debt listed on the debt schedule. I believe the current creditors attempt as well as your own attempt to collect and/or induce payment on this otherwise discharged debt is in violation of the Courts Order and the Bankruptcy Code. Discharge Orders extinguished all education-related debt that was not excepted from discharge by 11 U.S.C. 523 ( a ) ( 8 ). As you and the current creditor are aware of this discharge and know, any attempt to collect on a discharged debt is in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Bankruptcy Protection Law. Although a debt collectors knowledge or intent is irrelevant, by sending this collection notice to collect on an uncollectible debt, I believe you and the current creditor listed in your letter also mis-stated the character and legal status of the discharged debt, and violated the FDCPA, specifically 15 U.S.C. 1692e ( 2 ). I demand your organization as well as the current creditor referenced in your letter cease all collection efforts of the alleged debt and immediately stop and remove the reporting of this account as delinquent to the major credit bureaus. Any attempt to report this account as delinquent to the major credit bureaus is an attempt to compel payment - also a violation. I will be documenting all illegal actions and violations by contacting and filing complaints beginning with, but not limited to, the organization ( s ) listed below. Furthermore, you are hereby notified that at no point in time and under no circumstances is your organization ; an employee of your organization ; a representative for your organization or affiliates ( which includes the current creditor you identified in your letter ) to contact me or any member of my family by any means other than in writing via the US mail system. I also hereby reserve my right to take any legal action including private civil action against you and or the current creditor to recover damages. Respectfully, Enclosure ( s ) : Order of Discharge ( Official Form 318 ) XX/XX/2018, Page 8 of Schedule E/F : Creditors Who Have Unsecured Claims ( Official Form 106E/F ), cc : OHIO ATTORNEY GENERAL CONSUMER COMPLAINT DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NAVIENT SOLUTIONS , LLC . XXXX XXXX XXXX XXXX XXXX, VA XXXX NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX NAVIENT ATTN : BANKRUPTCY XXXX XXXX XXXX XXXX, PA XXXX NAVIENT CORP XXXX XXXX XXXX XXXX, DE XXXX NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Company Response: Closed with explanation

Timely Response

2018-12-23

WV

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I have made payments on this account consistently with a program called interest rate reduction. On XXXX started paying XXXX. I was told about a co-signer release upon making payments which I have consecutively and have proof, they not only disqualified me for interest rate program they know wont let me release my co-signer. And my payment went from XXXX XXXX to XXXX XXXX. No explaination just whats due and due date??? Since XXXX I have paid almost XXXX $ and have got no where and they wont work with or release my co-signer which is my XXXX XXXX and help me they just keep increasing and adding XXXX $ in interest for the last 7 years and I cant get anywhere with none of my loans as Navient. I am being taking advantage of someone who is tryin to make payments and be current and they have no options available to me and single full time working mother, that didnt graduate because of medical condition when I left college in 2009 and never graduated, burden of trying to make ends meet. This is the only loan I have really looked at concerning the lower payment and co-signer release. I was promised time and time when entering automatic payment withdrawal over XXXX months I would be able to release my co-signer, every time they wouldnt do it and would lie and make excuses.
Company Response: Closed with explanation

Timely Response