Navient Solutions, LLC.

2018-12-23

Thompsons Station, TN

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive notice of right to dispute
Complaint: 1st XXXX loss my hardship paperwork packet to have a forbearance of student loans, no one took ownership for it instead place my account with TN Dept of Ed for bad standing of my loans, which then landed my account with a 3rd party collection company which then sold my accont to another 3rd party collection company all this without one contact to me to let me know that I was ever in a bad standing with anyone. After I found out years later ( from missing money on my tax return and credit report pulled to see a Fed loan on it in bad standing w/ negitive marks/ points ) my loans was NEVER places in forbearance status.as I was told it would be ( only one of two options they ever gave me for my loan ). I called XXXX, TN Dept of Ed to find out what in the world was going on, after my repeated calls to XXXX, TN Dept of Ed for months NO one was welling to help me out or take ownership in their errors instead placed all blame on myself for everything that's happed and said I don't have a right to dispute the matter cause I signed that away when I signed for the loans to go to school and they have ever right to do everything that has happened to me thus far and will take my wages by garnishment. No one never once tried to fix their errors, recall my account from collections, or take ownership for the lost of my hardship paperwork they required for my forebearance instead advised me it was my fault I am now with their 3rd party collection company and they can not talk to me. My credit is effected poorly now, money took from my household ( a single mother of XXXX children ) that was over $ XXXX tax return from 2017 and the loans are still high due to the interest never stopped from day one til now ( when my account I was told was in forbearance years ago ) but never placed in that status with XXXX. XXXX side note a rep with XXXX even verified that I qualified for hardship in our call when I asked for another forbearance on my loan ( only two options i was ever given for help on my loan ) My account is still in collections and have stress for I don't know what next these people is going to do to me negatively to effect my household. I would have never tried to go to college if I knew i would be done like this and treated so poorly. Is this what the " American Dream '' is all about?! More like the " American Nightmare "
Company Response: Closed with explanation

Timely Response

2018-12-23

Itasca, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: My repayment amount is {$140.00} and some change. They changed my auto pay to match that amount. My income based repayment plan was supposed to start on XX/XX/XXXX instead of XX/XX/XXXX. They said my bill for XXXX was {$330.00} and some change. I am set up on auto payments. Why did they only take {$140.00} instead of the supposed amount due of {$330.00}?? This caused me to be late saying I owe them {$190.00}. I did not want to mess up my credit so I sucked it up and payed an additional {$190.00} on XX/XX/XXXX even though I am on income based repayment and could not afford the additional amount. I am extremely frustrated with how they handled this whole process. They messed up application several times for income based repayment plan and I think thats why my bill is so high forXX/XX/XXXX. I filled out my part correct. It was completely on them mishandling my form. I want answers. I want my {$190.00} back. And I want them to say I was never late on my payment. I pay all my bills on time and this was their error.
Company Response: Closed with explanation

Timely Response

2018-12-22

Spring Hill, FL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: In XX/XX/2009, I took out a loan from XXXX XXXX for XXXX dollars. I immediately began making payments of XXXX dollars every month for nearly 10 years. My interest rate for this loan was a ridiculous 13 percent. The loan was sold off to other companies and now it is owned by Navient. After making on time payments for nearly 10 years, and paying approximately XXXX dollars, my balance today sits at XXXX dollars. More than double the original loan amount. This is predatory lending. I will not be making any more payments to this company. Any attempts I have made to settle the loan have been ignored by Navient. When inquiring about a new payment plan with more affordable monthly payments, they tell me I need to get another job or borrow money from my family. They have no solutions. I am a XXXX XXXX and I am at my max capacity as far as hours go.
Company Response: Closed with explanation

Timely Response

2018-12-22

Irvine, CA

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

2018-12-22

Bexley, OH

Getting a loan

Student loan: Private student loan

Fraudulent loan
Complaint: I am a XXXX Veteran and I'm XXXX that is apart of the XXXX XXXX XXXX XXXX XXXX. I was falsely misled that my XXXX and my XXXX would of taken care of my education now i am stuck with this debt. I have attached the action suit against the school. On Thursday, XX/XX/2018 the Department of Education announced that theyre immediatley approving {>= $1,000,000} in Borrowers Defense to Repayment Discharges, including discharges for people who attended XXXX XXXX. This email is from the XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and contains an update about the students claims in the XXXX bankruptcy. We are writing to let you know that today, the Bankruptcy judge gave final approval to the Settlement Agreement between Student Claimants and the XXXX Trustee. The court will grant the final order approving the Settlement in approximately ninety days, assuming no states or the U.S. Attorney General file an objection to the Settlement. The Students allegations against XXXX included XXXX use of high-pressure sales tactics to get students to enroll and remain enrolled, and that XXXX deceived and misled students about financial aid options and costs of attendance, job placement and salary rates, the quality of equipment and experience of instructors, the desirability of XXXX graduates by employers, XXXX accreditation status, the transferability of credits, and career placement assistance. The full settlement can be found here, but as a quick recap, some key terms of the settlement are : Student Claimants get an approved {$1.00} billion claim in the bankruptcy. In exchange, former XXXX students give up their claims against the estate of XXXX, and keep their rights to seek further relief from the Department of Education and private lenders ; Over {$500.00} million in student debt held by XXXX is canceled and that cancellation will not be taxable ; and The Trustee returned the {$3.00} million that students paid directly to XXXX after it declared bankruptcy ( this already happened ). At this point, we do not have any information about any distributions to the student class from the approved claim amount. If, at the end of the bankruptcy, there is money in the estate to pay unsecured claims, the student class will receive a proportional share based on the size of the allowed claim. Any amount distributed to the student class will be divided fairly, and the distribution must be approved by the court. This is a significant victory for students, but we know that there is so much more work to be done. We know that students still have billions of dollars in outstanding federal and private loan debt as result of attending XXXX and we will continue to fight on behalf of students until all XXXX-related debt is discharged. There are no other updates at this time and no action is required on behalf of class members, but as always, we will continue to provide you with any updates as they arise. Sincerely, The XXXX XXXX XXXX XXXX XXXX This email is from the XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and contains an update about the students claims in the XXXX bankruptcy. This email is to provide you with an update about claims against XXXX, and does not create an individual attorney-client relationship or provide individual legal advice.
Company Response: Closed with explanation

Timely Response

2018-12-22

IA

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-12-21

Sebring, FL

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 have disputed a old student loan that is still showing on my account. It is now over 7 years since it was first reported and should have been taken off my report by now. The original opened date was XX/XX/XXXX. The account was closed XX/XX/XXXX. I have disputed this through XXXX as of XX/XX/XXXX but they advised that it was verified as correct. I am not disputing that the account is not mines but that it is over the 7 year timeframe for it to be on my account. Additionally this account has been removed already from my XXXX Report and XXXX Report
Company Response: Closed with non-monetary relief

Timely Response

2018-12-21

Council, NC

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Loan was taken out in XXXX for XXXX. I paid on the loan untilXXXX until a divorce in my life caused me to file Bankruptcy the Balance was XXXX at that time. I have all the paper work. My husband at that time and I filed the Bankruptcy. My ex husband was in charge of paying the chapter XXXX in the Divorce. My Ex husband Made payments until XXXX leaving a balance of XXXX. He became sick unable to work and he went back to court to rework the Bankruptcy to a Chapter XXXX, leaving a balance of XXXX. My Ex Husband passed away shortly there after. I received A Notice 12 years later, Telling me they could not find me, and I owed XXXX plus. I hired and Attorney I have all the paper work. Unable to get any where with the Salle Mae. Long story short I have been paying on that loan ever since, I had my tax returns taken, my wages garnished, I am still paying. The loan had be sold many times. I have been paying Navient has had the loan I while I ask for loan forgiveness I am on a fixed income and my LOAN IS NOW XXXX DOLLARS, NAVIENT said more less keep paying. Please HELP me this is a Night Mare that wont end. I have been told they will take my SS and XXXX,. Please Help me. I have no cell phone in my name and I must go to the library to reply to any Emails you might send. I check my mail every other day. I have over 200 pages I came mail. I am unable to send that many on line. Thank You for your time. PS : The school for this Loan taken out in XXXX, NO LONGER EXIST ( The name wasn't on your list ) It was " XXXX XXXX XXXX XXXX XXXX ''
Company Response: Closed with explanation

Timely Response

2018-12-21

Penn Hills, PA

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

2018-12-21

Brooklyn, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-12-21

Sarasota, FL

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I attended XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX of XXXX XXXX in XXXX for approximately {$65000.00} total now over {$190000.00} ( {$130000.00} in interest ). I was defrauded, i.e. falsely told to apply only for private loans because I was not eligible for Federal loans. These two schools are now closed. I was in a civil suit with XXXX and won a small award. I was able to apply for numerous deferments and numerous forbearance beyond what Navient legally could offer which increased the amount of interest on my account. Navient is accused of deceptive practices according to the XXXX XXXX. The account was up for repayment in XX/XX/2018 and I contacted them prior to this date to work out an amount I could pay. I was told the lowest amount they could offer me was {$700.00}. They collected my monthly expenses and income information and requested I use my rent money to pay them back - if I did that I would be homeless and then unable to make any payments. They then told me they could do nothing to help me and I would be out on the streets. Navient continued to contact me claiming I was in default and I needed to work out a plan. I spoke to various agents over the ensuing months to work out a plan that was anywhere from {$800.00} to {$18000.00} a month. I spoke to a bankruptcy attorney to see if I could file bankruptcy however, I do not have enough other debt to do so. I have been belittled, accused of using the system, being irresponsible, unwilling to pay a debt, and accused of being a criminal. The amount I can afford which my income driven repayment plan states I can afford is {$25.00} a month - and this is all I can afford at this time. Navient refuses to help me and threatens to sue me and take away everything I own and make me homeless. If I am completely stripped of everything how will I ever be able to make a payment? I would assume that if I am gainfully employed making a good income this would be in their best interest because they will then be able to collect more than {$25.00} payments from me. I just want to stop being bullied and harassed by Navient and for them to accept my {$25.00} payment as willing to pay.
Company Response: Closed with explanation

Timely Response

2018-12-21

Galena, OH

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: My issue started back in XXXX when I was directed through The XXXX XXXX University to borrow a private loan through Sally Mae in two separate disbursements of {$15000.00}. I started repayments simultaneously through direct deposit from my military account four times ( 2 times while attending The XXXX XXXX University and 2 times a XXXX University. Each time Navient would stop the payments without telling me. So the military prohibited me from doing anymore allotment to them. However, Navient lied, saying the military stopped it, later to admit that their policy is to stop all payments when the student is active in school. It was not until I received a credit report and a lender officer, threatened to file a case against me, if I did not began paying on my loan. In XXXX, I found out that the second loan had been disbursed to The XXXX XXXX University, and at that time I had stopped college, due to my mother passing. The college, nor Navient notified me of the loan. The XXXX XXXX University was charging me student fees for failure to re-enroll quarterly and had charged the fees against the loan, up to {$3000.00} dollars from XXXX. I found out when I received out dated mail of canceled checks The XXXX XXXX University attempted to mail me years back. Initially when I contacted The XXXX XXXX University numerous times, they denied ever receiving the funds. Likewise Navient denied for XXXX them. Finally after I threatened each with lawsuits, they worked together silently to settle the issue, excluding me. However, I was still charged interest fees. At the same time, the first loan they had stopped my allotments to built up massive interest. Navient stayed " Hardcore '' saying everything was my fault. The customer service representatives treat you like you have mental issues, talking down to you as a customer. Before you can State why you are calling, they demand all your perusal information ( Name, date of birth, social security number, present address, loan number. Then they go straight into how much you owe and ask if you are ready to pay the full amount due ). For years they never told me what the minimum payments were, when they were due. They had basic service fees of {$50.00}, as now, tacked on my payments, plus interest on those basic service fees with daily interest. But in the column amount due stayed XXXX. Finally, they told me a minimum of {$120.00} was due monthly, but after service fees and interest, no more than {$30.00} dollars went towards my repayment. They never notified me of and lower interest rates, nor notified me of how they worked my loans with The XXXX XXXX University. Both were in concert ripping me off silently. I was even threatened, if I paid my loan off early, by phone twice, I would receive a pay off penalty. Presently I've doubled my payments, begging people to help me pay my loan. I play saxophone in the streets and other places, being a XXXX vet, to pay back the loan. When I contacted Navient 2 weeks ago, I was told to stop making payments, because I was 8 months ahead and they was dropping my payments from {$120.00} A month to {$100.00} a month. I pay from $ 200-300 A month. However, I never received an actual letter stating this change, nor does it reflect on the billing statement, it was just a verbal conversation last month. The statement shows no payment due, no late fees, but shows the basic monthly service fee of {$50.00} and daily interest, that continues even though one is in school actively like me. I've complained 3 times in writing from XXXX. Previous complaint filed XXXX XX/XX/XXXX Note : The XXXX XXXX University has yet to say anything else about the matter. The present president of XXXX has never responded to my claims.
Company Response: Closed with explanation

Timely Response

2018-12-21

Bakersfield, CA

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
Complaint: I have a loan with DPT ED/NAVI. 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 DPT ED/NAVI 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 XX/XX/2018.
Company Response: Closed with explanation

Timely Response

2018-12-21

Arco, CA

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: As an account holder in Navient, I have an online account for easy access, but the way they have the set-up is really hard to have much control. In the month of XX/XX/XXXX, I wanted to add an extra amount on to my minimum payment, to pay off the loan faster, but in order to do so, I had to cancel my current AutoPay amount and reapply. Based on my payments of {$95.00}, I requested an additional {$54.00} to be added, totalling to {$150.00}. I got a notification that my request had to be reviewed in order to get approved. On XX/XX/XXXX I received a message stating the highest they could go was to {$140.00} and that I needed to sig n up to Auto Pay online on my own accord. Navient 's online setup for AutoPay does not allow one to choose a specific amount, on the contrary, when I called, I was infor med that my minimum payment would increase, since I had requested to add an extra amount. I asked to representative to explain how the minimum payment was calculated, to which she stated it was based on the amount I wanted to pay. I informed that to my understanding there's a difference between the minimum payment and monthly payment, and the minimum payment was consistent no matter what. She said that Navient calculates payments based on the pay off date, and the pay off date shifts based on how much I pay a month. In the end the representative cancelled my autopay request, said my minimum payments would now be {$96.00} and everything else I pay would be extra. But in the mean time she had to wait for approval, therefore I would not be receiving interest reduction benefits and accrue interest at a contractual rate ( which since being transferred to Navient on XX/XX/XXXX has gone up from 4.780 % to 5.590 %. In addition, the in my loan term, I could no longer apply to increase payments because I only get one chance to do so, and I used it up. Navient has no transparency with consumers, and their online management is very poor and not detailed with loan information.
Company Response: Closed with explanation

Timely Response

2018-12-21

Chicago, IL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: They lied about the terms of the loan misrepresenting the loan I got. Will not give me information on different programs to lower the payments. Making me do forbearance when I could have did a different program. My XXXX year-old mother was cosigner and they be making her real upset Did not tell me this was a private loan Will not lower my payments
Company Response: Closed with explanation

Timely Response

2018-12-21

Northbush, NY

Communication tactics

Debt collection: Private student loan debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2018-12-21

Atlanta, GA

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive notice of right to dispute
Complaint: Due to me being uneducated about repaying my loan I was misguided/ misinformed to apply for consolidating instead of correct and helpful information to have this loan discharged I feel now as I have been persuaded in making the wrong decision on the latest application I've submitted to XXXX.
Company Response: Closed with explanation

Timely Response

2018-12-21

Bowie, MD

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

2018-12-20

Plattekill, NY

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Navient has continuously harassed, lied and pushed me into forbearance. I had my student loans with them since they took them over nearly 10 years ago. I have more than $ XXXX in student loans and I was forced into consolidating them with another company. Unbeknownst to me, I was bombarded with refinance/consolidation letters from a few companies, but it was always this one company called XXXX. When I was receiving the letters, I was never told that Navient owned XXXX. When I requested my loan promissory notes, they told me to do it online, yet you can not. My biggest concern is that Navient has essentially coerced me and many others into believing they could get student loan help by using this other company XXXX. But, they own the company they are telling you to move to. What a bunch of bull.
Company Response: Closed with explanation

Timely Response

2018-12-20

VA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Navient /XXXX XXXX keeps reporting and damaging my credit. The statute of limitations have been passed. Also, in my credit report it have been marked as bankruptcy discharged but they still mark as derogatory and its private loans. They listed private student loans as government. As I am repaying on time with XXXX for federal loans. Navient has been ruining my life. They never sent me any validation that I owe them except for a bill from collection agencies.
Company Response: Closed with explanation

Timely Response

2018-12-20

Euless, TX

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

2018-12-20

Hollywood, FL

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

2018-12-20

Mt Pisgah, IN

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: The person who helped me with navient, instead of helping me lower monthy payments told me it was a better idea to use forebearance or deferment. Happened the 2nd time I did it as well. Both times I was told my loans would be placed on hold. However, they still accrued interest. I have tried getting monthy amount lowered but they said they can not go any lower and I can not afford that amount.
Company Response: Closed with explanation

Timely Response

2018-12-20

Elsmere, DE

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-20

KY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I recently gone through a financial hardship and was unable to make the payment on time, and it affect my credit score, now that I am finally back on my feet, will you help me remove the payment that I have missed, so that my credit score can be back on track.
Company Response: Closed with explanation

Timely Response