Navient Solutions, LLC.

2018-12-13

Richland, WA

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

2018-12-13

Houston, TX

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

2018-12-13

Finksburg, MD

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

2018-12-13

NV

Incorrect information on your report

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

Account information incorrect
Complaint: Back in XX/XX/2017, Navient stated that I was three [ 3 ] months behind. This is incorrect as my account was in deferment. I made several inquires and can never get through. I am in the process of possible employment, which they look at a persons credit for gainful employment. I need this negative remark removed as it is incorrect.
Company Response: Closed with explanation

Timely Response

2018-12-13

Interchange Square, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response

2018-12-13

Bethel, WA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-12-13

Brooklyn, NY

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

2018-12-13

Kalaeloa, HI

Incorrect information on your report

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

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

Timely Response

2018-12-13

N San Juan, CA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have consistently tried to lower my private student loan payments, I have fallen behind a few times on my payments because of my job as a XXXX is a seasonal job for the state of California. When I have fallen behind even for less than a month I would recieve between 5-10 calls every day from Navient to contact them to make my payment. It has gotten so bad that I have had to block multiple numbers on my phone. When I have gotten back on track to have a lower payment the lowest payment they can give me is still a figure that I can not live on and pay all my debts plus be able to live on and support my family. I have paid over XXXX dollars in payments and I am no where closer to paying off my loans than the day I started. I realize that taking deferments and forrbarances would increase my principal balance but that is all I could do to not have my payments be late or end up in collections. There are no programs to help people with private student loans with navient. They have terribly customer service and make no attempt help the customer, instead they want over invasive financial states of my wife and family to justify giving me a XXXX lower payment a month. My private student loan is over {$630.00} a month when I only bring home XXXX a month and trying to support a wife and son along with all of our others monthly payments. My wife and my son have had to move in with family because we no longer can afford to rent. Navient has done nothing to help its customers lead a normal life instead its all about the money no matter the cost to the customer.
Company Response: Closed with explanation

Timely Response

2018-12-13

PA

Incorrect information on your report

Student loan: Federal student loan servicing

Old information reappears or never goes away
Complaint: XXXX XXXX, a for-profit school, filed bankruptcy and closed while I was attending. As a result, I was approved by the Department of Education to have my loans discharged. I tried disputing to get these negative loans reported by Navient off of my credit reports, but Navient keeps verifying them as accurate. I sent a letter directly to Navient with a copy of my discharge approval letter from the Department of Education and they have not responded nor have they removed these erroneous loans from my credit reports. I am very upset to find that Navient has not requested the removal of these loans due to its damaging effects on my good credit standing. I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.
Company Response: Closed with explanation

Timely Response

2018-12-13

South Florida, FL

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: Between XX/XX/2018 and XX/XX/2018, your DEPT OF ED/NAVIENT student loan account balance increased by {$3600.00} from {$3200.00} to {$6900.00}. i dont understand, they keep playing with my information it goes up and down and they always want more. i cant pay this also ive paid thousands of dollars in student loans already, also never finished the program. i dont understand why they want more and more. it is impossible and i have my loan on forbearance and yet they over charge when its suppose to be frozen out my account for a year. can they just keep over charging people because they want to. ive called and all i get is hung up on ..
Company Response: Closed with explanation

Timely Response

2018-12-13

Neptune, NJ

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

2018-12-13

Palmyra, MI

Took or threatened to take negative or legal action

Debt collection: Federal student loan debt

Threatened or suggested your credit would be damaged
Complaint: I have also had problems with Navient and I am glad to see that students are having the same issues and I am not the only out here being spoken to on the phone with them negatively. I have tried making a payment arrangements that would work for me at the time Which was to pay of XXXX and asked if I could pay XXXX because I am paid bi-weekly. They said no and that I needed to either pay in full or pay around XXXX dollars. I have tried getting back into college and I have been out of school since XX/XX/2013 season. I hate that I am pushing my education back because of a fault on my account. I was sick and when I left my university ( XXXX XXXX University ) in XXXX Michigan. So eventually went home to XXXX to try to finish but couldnt get back in the groove because of finances. Maybe something with change and Ill be able to go back to school and study. On XXXX I had seen a sponsor ad that said Navient had a lawsuit against them and read the article about CFPB and Navient. This is the reason I reached out at the time I did. This is a serious complaint and this situation should no be taken lightly.
Company Response: Closed with explanation

Timely Response

2018-12-13

CA

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I am trying to stay on a rate reduction program because my monthly payment is XXXX My student loans got out of control when my school closed and did not return the money and i started to deffer my payments which only added capitalized interest. I need help because my schools closed before i could finish XXXX school and did not return the loan money to the school. All the money was disbursed to the school first. The school was XXXX college of XXXX in XXXX, CA. I need help with a possible discharge and lowering my payments.
Company Response: Closed with explanation

Timely Response

2018-12-12

Worcester, MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XXXX XXXX XXXX is Garnishing my wage to collect a Student Loan debt discharged by a settlement agreement approved by a Federal Judge on XX/XX/XXXX. I am a former XXXX-XXXX Institute student and as former student I am sure that XXXX-XXXX used my personal information to request loans that I did not signed for which I would consider the stealing of my identity. ( There is no way that I will owe the XXXX XXXX XXXX XXXX XXXX XXXX an amount close to {$25000.00} USD in addition to The Department of Education over {$52000.00} USD for an XXXX XXXX program ). I am not refusing to make any payments. All I am asking is for detailed breakdown of the debt as my consumer rights. When I saw the notices from XXXX XXXX XXXX, I already knew that Navient could not verify the loans validation when I fought against them, which resulted in placing the loans to {$0.00} balance owed ( Attached to this complaint ). This resulted in the selling of the debt to XXXX XXXX XXXX ( A subsidiary of Navient ). When I requested Debt Validation from XXXX with full breakdown of the loan amount to separate any private loans from federal loans to perhaps make an agreement to pay what is legit, they sent me papers - under their assumption - to be valid documents, but I did not agree to such information because it just contained an electronic name and social security number with inaccurate information. All I am asking The Consumer Financial Protection Bureau is to stop this collection agency from illegally garnishing my wages. They are acting against the law with this action because they are not a federal collection agency authorized to issue an Administrative Wage Garnishment. XXXX XXXX XXXX issue XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX to threat my employer with the letters attached to this complaint. I have no idea where the Garnished money is going to because all they are doing is collecting 15 % of my weekly pay without sending me any statement showing where the money is going against or if it is going to where it is supposed to go. I could be paying for the rest of my life through Wage Garnishment if CFPB does not stop them from continuing with this violation and never payoff the amount. XXXX is causing me a financial hardship and I need your help stopping them from garnishing my wages until they provide legitimate debt validation. If they provide legitimate contracts and validated documents, I will have no problem in setting up a payment plan, but as of now they are acting against the Consumer Financial Protection Act ( CFPA ), the Consumer Financial Protection Bureau ( CFPB ), the Fair Debt Collection Practices Act ( FDCPA ), and the local state law of Massachusetts 940 CMR 7.00 DEBT COLLECTION REGULATIONS section 7.04 ( 1 ) ( b2 ). Currently, there are three pending actions of civil litigation against XXXX formally brought by a government agency that have not yet been resolved. Two cases were brought by the State Attorneys General of Illinois and Washington. The third case was brought by the CFPB on behalf of the federal government. In XX/XX/XXXX, the Illinois Attorney General filed a lawsuit against Navient Corporation, its subsidiaries Navient Solutions Inc., XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and Sallie Mae Bank, over widespread abuses across all aspects of its business, including student lending, student loan servicing, and student loan debt collection. Also, in XX/XX/XXXX, the Washington State Attorney General filed a lawsuit claiming the business is in violation of state law prohibiting violations of the Consumer Protection Act, relating to the origination, servicing and collection of student loans. ( Those practices included improperly steering financially distressed students toward short-term for bearances, engaging in aggressive and misleading collection tactics, and more. ) In response, XXXX alleges all the charges are unfounded, and that the timing of these lawsuitsat midnighton the eve of a new administrationreflects their political motivations. The third action was filed by the CFPB. In a 66-page indictment, the CFPB has alleged widespread fraud and abuses by Navient and its subsidiaries, including violations of the Consumer Financial Protection Act ( CFPA ) ; the Fair Credit Reporting Act ( FCRA ) ; and the Fair Debt Collections Practices Act ( FDCPA ). Charges include allegations that Navient and its subsidiaries routinely steered borrowers to repayment plans they knew would result in higher costs to borrowers ; deliberate misadministration of payment processing and repayment program enrollment ; deliberate misreporting of credit information to the credit reporting agencies ; deliberately misinforming borrowers about credit reporting practices and collection fees ; routine payment processing errors ; and other deceptive and unfair practices that often resulted in financial gain to Navient and its subsidiaries. XXXX posted a response to this action that also denied wrongdoing and accused the CFPB of being motivated by politics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-12

Bremen, GA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I was systematically and illegally mislead at every stage of repayment options of several student loans given to me by navient while i was unemployed. It's mathematically impossible for me to pay these several loans back in this lifetime. It has ruined my credit and life since XX/XX/2009. I tried to Income based pay back just to help my credit for 5 years and my debt has gone up. I was just paying interest they said. Please Help!!
Company Response: Closed with explanation

Timely Response

2018-12-12

Owego, NY

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-12-12

Leeton, UT

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

2018-12-12

Laurence, KS

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-12-12

Churchville, PA

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response

2018-12-12

Saint Paul, MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: It started in the year of XX/XX/XXXX, I decided to get a degree in XXXX, so in this year I proceeded to Minnesota XXXX XXXX XXXX where I chose the degree of XXXX XXXX, when Orientation came up the Administrators had talked with us and mentioned that upon our graduations we will be given the jobs for which our degrees covered as mine was XXXX XXXX, going through all the transitions and getting the loans for the degree, I was faithful in all phases of the education needed to complete this degree. as we headed towards the end of our education, we were suddenly told that our jobs could no longer be given to us after our XXXX graduation, as we were about 4-6 months from graduation and no where to go but try and finish to see what we could get for a job after finishing our degrees, this was maddening as I was working full time over nights and going to this school in the day time and early afternoon to finish, crazy institution. I graduated in XX/XX/XXXX and soon the loan payments were coming in, started out with XXXX XXXX initiating the payback, then it went to a ticket type company with a coupon book you would send into them and get credit for paying them, this company you could never get any info from either, then after awhile I lost track of who or what company had the loan, ended up with Navient who is a disgrace to me, sent statements that you can not read, written in small lettering, no true phone numbers to call for any type of help, they send no envelopes with there statements and the numbers I reach is an offshore Southeast XXXX team pursuing your questions, in which you can not understand, I somehow got caught up in the pursuit to get me to sign up for Auto-Pay which I would never let anyone especially these people automatically take a payment out of my account, but anyways these people thought I signed up for their Auto-Pay program and did not send me a statement for 3 months, and I could not get ahold of anybody on shore or located in their XXXX XXXX Office, this went on for a few months, arguing with these people about paper statements sent to my house, I had to settle the amount they sent, but in between arguing with these XXXX they were rude and I would get phone calls late at night without remorse, being it was something I did not take on myself, I had a XXXX of a time getting someone to talk to from XXXX XXXX Office, this is XXXX and where are these people located, if I owe them any amounts it should be in bold writing with amounts shown, so if you do not know how much you truthfully owe why do you have to pay someone, you buy a car under payments you know exactly what you are paying for and how long, so what is the difference between the two may I ask? if you people don't help solve this I will put a lawsuit together against Minnesota XXXX XXXX XXXX which already has a bunch of lawsuits against and Navient for Negligence, Incompetence, fraud, and unlawful presentations. Before they XXXX me up on the Auto Pay detail I never missed a payment or was late and still aren't so it there mistake and I will hold both Minnesota XXXX XXXX XXXX and Navient for all the trouble, as a XXXX XXXX I would of been making 6 digit incomes for which I never had a chance to use. So if you won't help or find you are afraid oif pursuing the truth I will file a lawsuit which I am entitled to after all the harassments I am going through yet.
Company Response: Closed with explanation

Timely Response

2018-12-12

TX

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I paid {$100.00} on XX/XX/XXXX for a forbearance on my loan. I received an approval letter on XX/XX/XXXX for forbearance from XX/XX/XXXX to XX/XX/XXXX. I was told, I could only re apply for forbearance after XX/XX/XXXX, so I reapplied on XX/XX/XXXX. Navient had me, due for a payment XX/XX/XXXX, but my forbearance was approved before them. I called them with the forbearance approval and they drug around and didn't tell the payment department. Then they had me owning a payment that I didn't owe. Now, they mailed a new forbearance letter out, stating my new forbearance is from XX/XX/XXXX to XX/XX/XXXX, due to a late payment in XXXX. I paid for my original forbearance {$100.00} for XX/XX/XXXX to XX/XX/XXXX. Not a new forbearance I didn't pay for dated XX/XX/XXXX to XX/XX/XXXX. Need help with Navient business dealings.
Company Response: Closed with explanation

Timely Response

2018-12-12

PA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: XX/XX/XXXX : Contacted Navient to discuss repayment options as my loans were coming out of in-school deferment. I agreed to repayment option for federal loans and the agent encouraged me to put my private loan in forbearance by paying {$50.00}. This would put my loan in forbearance for 3 months. {$50.00} was paid. Later that day, I received an email saying my forbearance was granted. XX/XX/XXXX : Logged onto navient.com to pay what was due on federal loan. Federal loan is now stating that I am on in-school deferment until XXXX?? Also, private loan is stating I am on in-school deferment until XX/XX/XXXX. After reviewing my account, my {$50.00} payment was listed as being paid on XX/XX/XXXX - I had no contact with them at that time. I have proof of payment from my back on XX/XX/XXXX. Also, my {$50.00} was applied to the principal on one of my loans ( which one I couldn't tell you ) by Navient on XX/XX/XXXX. I was also informed on today 's phone call that Navient is claiming I have {$51.00} in late fees from XXXX, that they are now saying I owe ( first time I am hearing of them ). My forbearance is no where to be found on my account and customer service rep claims it was an error in their back office. I have pictures and plenty of proof that they do illegal things. Also, I feel that I have been a victim of Sallie Mae/Navient deceptive practices regarding forbearances and deferments. I need my account corrected and resolved.
Company Response: Closed with explanation

Timely Response

2018-12-12

NY

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I keep getting calls from XXXX XXXX XXXX about a debt owed. I pay all my bills on time and do not owe anyone anything. I haven't called the company back as I looked online and people that did call where abused verbally. Also, from what I read online that did not stop the calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-12

Culver Cty, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response