Navient Solutions, LLC.

2018-12-17

Clovis, CA

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

2018-12-17

OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I am currently a XXXX and have been for XXXX years, also a veteran. I received an update the week of XX/XX/XXXX and saw that my payment went from {$170.00} to over {$400.00} a month while I'm in the loan forgiveness program. My income for last year went down and nothing else has changed and having no understanding of why this was so much. I was told that I did not fill out the application correctly and then went back in and did just what I was told to do. On XX/XX/XXXX, I was told that they would not accept my application after I was told to do what they told me to do. I have had enough of this and the scam of this program. I was under the impression when the whole idea of this program was to eliminate this bill and all that this has been has been a huge headache. Every time I talked to someone at Navient they say that they are following the rules that have been set by Congress and they have no control over the program. I want this fixed. I have no problem paying the proper amount however this seems to be a huge scam because I have been paying on this bill since I graduated in XXXX. The account number is : XXXX.
Company Response: Closed with explanation

Timely Response

2018-12-17

Clarkesville, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: XX/XX/XXXX XXXX XXXX based out of XXXX OH. Repeatedly calling people associated with my SIL. Including my parents!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-17

PA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: My student loan payments were higher than what I could afford, I contacted Navient and asked if I could have the amount due lowered and was told that was not possible. Another time later I had contacted Navient and asked how I could have my co-signer taken off the account and was told that I could only have the co-signer removed by proving they were financially unable to pay for the loan. My loan amount due dropped to XXXX for approximately a year without any explanation then increased to higher than it was before.
Company Response: Closed with explanation

Timely Response

2018-12-17

Bohemia, NY

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: On XX/XX/18 called Navient to attempt to reduce my monthly payment. My usual monthly payment was about {$320.00} a month. I could no longer afford to pay it so I called to lower the payment. When I called there are two different Navients. There is the Navient that handles account information and the Navient that handles the transactions. No matter what the call is about the 1st Navient always has to transfer to a second Navient to handle any transaction, which the first Navient is always unaware of, or can't see any of the information the 2nd Navient does. So I proceed to speak to a representative from the 1st Navient. After requesting to lower the payment, they transfer me to the 2nd Navient. The 2nd Navient representative goes through the financial process and they were able to reduce the payment to {$220.00} per month for 9 months on automatic payments. I asked if they could lower it to {$200.00}. The representative said no, that's the lowest they could go. I continued to ask about if I made a monthly payment a few days earlier than the due date would that settle the payment for that month. The representative told me no, it would be added towards the principal balance. ( The is the first time I have ever heard of a company that sets up automatic payments and does not allow a customer to pay early and still initiate an automatic payment for that same period. ) Ok so I rolled with it and the payment plan was processed. I finished with the representative and was waiting for my confirmation. The 2nd Navient representative said he was emailing the confirmation. I waited about 10 minutes and the representative said that I should receive an email in a few minutes and he got me off the phone. I waited and nothing came. I waited 24 hrs and called back on XX/XX/18. I called back the 1st Navient requesting the confirmation to the payment plan and again was transferred to the 2nd Navient. The 1st Navient had no idea what I was talking about and had no information on the transaction. After being connected to the 2nd Navient I was shocked. The 2nd Navient representative told me I wasn't approved. I asked how could that be when 24hrs before I was approved by the same 2nd Navient. They said I wasn't approved based on my credit. I was never made aware that there was a credit check involved. There was no indication by the previous representative on the XX/XX/XXXX, that there was a credit check, nor did I approve Navient to run my credit for this process. So the representative proceeded to tell me that they were sorry and I had to pay the entire balance for that month. ( $ XXXX+ ) I told them I couldn't afford it and would not be able to make the payment. They said I could afford. After pleading, the 2nd Navient representative told me that they could lower the monthly payment to {$200.00} only if I would extend my loan for 8 years at % 4 interest. In was furious. Extending the loan 8yrs at 4 % interest would add about a third of the loan on top of what I owe. When I asked the previous call to pay {$200.00}, I was told no. Now that they figured a way to entrap me, they expect me to agree to the worst terms.
Company Response: Closed with explanation

Timely Response

2018-12-17

Key Biscayne, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I had noticed on XX/XX/XXXX that my student loan principal had gone up unexpectedly. Upon reviewing my account I noticed that since XX/XX/XXXX my payment plan was changed without my authorization. On XX/XX/XXXX I called Navient to inquire about why my student loan payments were only being applied to interest and not principal. I was unable to gather any information from the Navient representative other than I had {$1000.00} worth of unexplained unpaid interest and that I was on an income based repayment plan. I emailed the company that evening to attempt to gather more information.
Company Response: Closed with explanation

Timely Response

2018-12-17

Stuart, FL

Incorrect information on your report

Student loan: Federal student loan servicing

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-12-17

San Antonio, TX

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

2018-12-17

Blairstown, IA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: When I started college, I was single mom, with XXXX kids.I was in low income single head in a household.The student loan kept adding up.Even I was working all the time so not get student loan.The yearly interest was flying rapidly.I 'm trying to catch with the student loan.Navient had called me for loan forgiveness since I worked full time sub-teacher.When I talked to Navient they change what they said, they want me to pay $ 560 monthly.They added and pile the loan on my credit report.With yearly interest 14.9 %. I spent hours and hours talking to them with no success.I told them I need an income plan for the payment long time ago.They called me am qualify for loan cancelation and I called back nothing had done.They had called me more than ten times am qualify for govenment forgiven program, I called back and nothing had done.I 'm so sadden and confused, I felt am in prison on my student loan problem with no seems to end or go nowhere.Am still in low income trying to help my XXXX kids in their life.Am in Housing Authority program.I lived in the same home for 11 years, always I felt my home just my prison with no freedom.Navient had ruin my credit history and made my credit score very negative and look bad.I want them to remove those piled student loan with very high interest to be removed from my credit report.
Company Response: Closed with explanation

Timely Response

2018-12-17

Grand View, ID

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: i received a TPD in XX/XX/XXXX which paid off my federal loans with navient but left my private loans outstanding. there is no place on the navient website to email them about the issue of getting my private loans discharged and every time i call them i get the runaround. plus my wife and i filed a chapter XXXX bankruptcy in XX/XX/XXXX that should have included the navient private loans, but our attorney failed to include them. he was under the belief that they could not be included. we provided him with the documentation for the loans but he did not add them. my private loans have been incurring interest and past due amounts keep building against the original loans but have not received any type of notice for their status. i did receive an email in XX/XX/XXXX that had me link to a location in navient to let them know that my loans should have been included in our bankruptcy but again there was no email address to respond to. i can only assume that we have been added to one of the lawsuits that are pending. there is simply no way of contacting them about the TPD ( but they should already know this since XXXX paid off my federal consolidation loans ) ; i did call the general account line back in XX/XX/XXXX and was told about using the TPD form, but the person on the line would not listen to me when i told them that i had already applied for and was approved. they told me that my account was in a hold status ( probably because of the bankruptcy and pending lawsuits ) and that if i pursued any type of arrangement regarding my private loans, that they would be taken off hold and put them in immediate repayment. so i told them to just leave them in the hold status and i would wait to see what comes of the lawsuits.
Company Response: Closed with explanation

Timely Response

2018-12-17

NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Navient has arbitrarily and without warning increased my student loan interest rates five times, yes you read that right, FIVE TIMES, in the last year alone. That is more than the last 6 years combined. Not to mention they purposefully delay payments that you have made for days on end. There is absolutely no reason that a payment I made on Friday morning has still not gone through Monday afternoon. Absolutely no reason at all. I know the Consumer Financial Protection Bureau and the Department of Education are both run by severely corrupt individuals, who are on par in corrupt practices with XXXX and just as greedy, but mark my words one day the CFPB and the Department of Education will be run by people who actually do their jobs, which is protect people not corporations, and Navient will pay for their shady business practices.
Company Response: Closed with explanation

Timely Response

2018-12-17

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-17

Wallington, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Hello, I was just on the phone with Navient, my student loan servicer trying to touch base regarding my qualifying payments for the Public Service Loan Forgiveness program since I am about halfway through my 10 years of qualifying payments. It turns out that when I set up the loan, the servicer provided me with wrongful information regarding the loan forgiveness program and set me up with a non-qualifying graduated payment plan despite talking about a possible income based plan. We discussed the loan forgiveness program and how I would qualify since I work in XXXX XXXX, but they still put me on a non-qualifying plan. I found this out 53 payments later after trusting that I was set up properly. I called XXXX to see if they can back date my loan forgiveness so that I don't have to start my 10 years of qualifying payments over again, but they said it's not possible to change the payment plan going backwards. I am at a loss and can not believe I have to start over after 5 years of payments due to wrong information given to me by Navient. Attached you will find records of all of my 53 payments ( with my most recent payment pending ). They are all paid days before the due date. It does not indicate that these are not qualifying payments or that they are part of a graduated payment plan that is not eligible. They do not indicate that they do not count toward the PSLF. Based on guidance from my Navient servicer I was under the impression that I was making payments that were qualifying payments for the Public Service Loan Forgiveness program and that I was almost half way to my 120th and final payment.
Company Response: Closed with explanation

Timely Response

2018-12-17

MS

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Being charged for a load that was paid off. A duplicate of the same loan was created after i left college. The original was XX/XX/XXXX a duplicate of that loan was created on XX/XX/XXXX after I had left. I have been fight this for years they want {$120000.00} and they say I attended XXXX University, which I have never set foot in. I am XXXX, I have been out of college since XXXX and they want me to pay {$700.00} a month until I am XXXX. I have no legal protection and they have the power to garnish my wages. None of the money I have paid in the past shows on the record. It's like I never paid a dime. Loan Type Total Borrowed Loan Date Outstanding Principal Outstanding Interest Total DIRECT CONSOLIDATED UNSUBSIDIZED {$53000.00} {$0.00} Total DIRECT CONSOLIDATED SUBSIDIZED {$8600.00} {$0.00} Total FFEL CONSOLIDATED {$0.00} {$0.00} Total NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} {$0.00} Total FFEL STAFFORD SUBSIDIZED {$0.00} {$0.00} Total {$67000.00} {$0.00} DIRECT CONSOLIDATED UNSUBSIDIZED {$53000.00} XX/XX/XXXX {$53000.00} {$0.00} DIRECT CONSOLIDATED SUBSIDIZED {$8600.00} XX/XX/XXXX {$8600.00} {$0.00} FFEL CONSOLIDATED {$27000.00} XX/XX/XXXX {$0.00} {$0.00} NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} XX/XX/XXXX {$5900.00} {$0.00} NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} XX/XX/XXXX {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$1000.00} XX/XX/XXXX {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED By XX/XX/XXXX I was no longer in Texas. All of this debt is from the duplicate loan. The omsbudsman researched this and XXXX XXXX College confirmed this to be a duplicate and I don't owe them anything. The XXXX is form XXXX University, which I never attended.
Company Response: Closed with explanation

Timely Response

2018-12-17

Taft, OH

Incorrect information on your report

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

Account status incorrect
Complaint: I was established with a rate reduction plan with navient private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted navient and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. I have disputed this many times with navient and no help. I have disputed with the credit bureaus and nothing has changed. NAVIENT has been the worst company to deal with. I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.
Company Response: Closed with explanation

Timely Response

2018-12-16

Bremen, GA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I attended XXXX from XXXX to XXXX. Graduated with an XXXX XXXX in XXXX. Since then I have been informed that I have 7 of 17 loans still outstanding which amounts to about 60 thousand dollars. Speaking with a loan forgiveness specialist, I was informed that loans were processed in my name from XXXX to XXXX. I was no longer a student after graduating in XXXX. I have made payments to several companies that bought my loans. I stopped because it was so confusing as to who I owe. My check is being garnished15 % and it has been for the last three years. I NEED HELP. This school has sinced closed and has a lawsuit against them for fraudulant loans being processed.
Company Response: Closed with explanation

Timely Response

2018-12-16

Quartzsite, AZ

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: I started to take out loans XXXX and went to different schools and ended around XXXX. I have been trying to repay my loans the whole time. I found out I was battling XXXX XXXX ( XXXX, XXXX and XXXX ) and it was hard to keep a full time career. Even though I have Higher education, it was these issues that kept me down. They first, did not tell me or inform me how to make proper decisons before taking out the loan. I also had XXXX XXXX and he kept using my social securtity number to take out loans. I kept telling them this and they refused to listen to me.Basically, because of all these i have been trying to get SS XXXX and became bankrupt during the process. I can not pay of any of it back and thus far have ruined my entire life.
Company Response: Closed with explanation

Timely Response

2018-12-16

MS

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I borrowed {$10000.00} in XXXX from what was known as Sallie Mae, which is now Navient. My payback amount is {$23000.00}. I cant get and understanding how a {$10000.00} loan can turn into {$23000.00}. I completed school in XXXX. Ive been paying on the loan for a currently 4-5 years now. However, every month my credit reports tells me that my fee has increased by {$230.00} at the least. This is an on going issue that I really cant get any answers about.
Company Response: Closed with explanation

Timely Response

2018-12-15

UT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Entered into income-based Repayment plan InXX/XX/2011. I was working for XXXX XXXX XXXX so the employer was proper. Last year Navient realized that since I was in the public service loan forgiveness program my loans should be switched to XXXX. My loans were switched. I am not getting credit for any of my payments To Navient. They can not explain to me why. I have submitted requests for review on four separate occasions.
Company Response: Closed with explanation

Timely Response

2018-12-15

Dixmoor, IL

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

2018-12-15

Reading, PA

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

2018-12-15

Rncho Domingz, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: My Mother gave me {$10000.00} ( via check ) to apply to my student loan. This almost paid it off ; left a balance of approx. {$5000.00}. One day I got a revised statement saying the re-capitalized my interest and my balance went up by {$5000.00}! I called and asked what happened. The person on the phone told me that the calculation was correct and there was nothing I could argue about. I told him I dont't think they applied my payment is the most advantageous manner, and that the way the applied it and then kept silent was incorrect. I was told that they system didn't make mistakes. I asked for a complete recap of all my payments and to see how all payments were applied to principal and interest. I got the run around and was told they could not furnish me the information without a legal request and a fee. I believe I have been defrauded by the way they applied my one big payment, and subsequent monthly payments based on how the big payment was applied.
Company Response: Closed with explanation

Timely Response

2018-12-15

Havana, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: On multiple occasions I have spoken with Navient in regards to my student loans. They kept differing and putting my payments into forebearance instead of giving me other options or helping me.
Company Response: Closed with explanation

Timely Response

2018-12-15

East Lempster, NH

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

2018-12-15

Kingstree, SC

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Complaint: I received an alert from XXXX XXXX onXXXX-18 stating my score dropped 24 points due to one of my college loans from Navient. On XXXX, it showed a balance of $ 15,000+ but on XX/XX/XXXX, it showed a balance of more than {$17000.00}. I contact Navient by phone and the rep refused to talk to me and told me that XXXX XXXX reports are not accurate. I was told she could not talk to me about my account and that it was my responsibility to contact XXXX the reporting company.
Company Response: Closed with explanation

Timely Response