Navient Solutions, LLC.

2018-12-07

Shindler, SD

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

2018-12-07

Eden Prairie, MN

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-12-07

Baychester, NY

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with explanation

Timely Response

2018-12-07

Aldan, PA

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-12-07

Randolph, MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I am repaying my loans with the XXXX Award and there is a text box for instructions on the My XXXX Repayment Request Form. I have made three payments so far and included my specific instructions on how to allocate my payment of {$850.00} to my loans. Keep in mind that I have already included interest as well. I log in and I see that my payments have been processed for the full amount but some of my loans still are outstanding. Instead of following my directions, Navient had distributed my payments on my loans incorrectly and improperly. Here is the amount that I instructed : XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX Here is how they allocated my most recent payment : XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$94.00} XXXX Direct Loan - Unsubsidized - {$89.00} XXXX Direct Loan - Unsubsidized - {$90.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$290.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$79.00} XXXX Direct Loan - Unsubsidized - {$190.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized {$0.00} I expect Navient to resolve this by allocating the past payments correctly. I have a limited amount of XXXX Award and I CAN NOT disburse more due to Navient 's error.
Company Response: Closed with explanation

Timely Response

2018-12-07

Charlottesville, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I had around {$30000.00} in student loans remaining at Navient after paying them down for about ten years. I refinanced with XXXX and XXXX remitted {$27000.00} payment to Navient on XX/XX/2018. That ended up being an overpayment of {$1400.00}, and both XXXX and Navient told me that Navient would write a check back to XXXX for {$1400.00} and they would apply it to the principal balance. According to my Navient statement, they acknowledged the {$1400.00} overpayment on XX/XX/XXXX. After almost three weeks when {$1400.00} had not yet been credited to my XXXX account, I called XXXX and they said they had not received any check from Navient reimbursing the overpayment. I then called Navient and asked them to confirm details of the payment. They told me they " batched '' a check to XXXX on XX/XX/XXXX, but they claimed they could not provide me the check number or confirm whether or not the check was negotiated, and that it takes " up to a month '' for a check repaying an overpayment to be reflected in the new loan account. On XX/XX/XXXX, a month after Navient supposedly sent a check to XXXX,XX/XX/XXXX XXXX had still not received a check ( I confirmed this through my online account and a call to XXXX ) so I called Navient back and the customer service agent confirmed that there was an overpayment in the amount of {$1400.00} and claimed that Navient had sent a check on XX/XX/18 to XXXX. I said checks don't take a month to go to another state, and she said that it could take six to eight weeks. I asked for a check number, whether it had been negotiated, and copies of the check, and she claimed it was impossible. After the call, I faxed them a letter demanding they process the overpayment and provide me evidence that they actually issued the check. They did not respond to that at all. On XX/XX/XXXX, I called again and went through the same explanation and the Navient customer service agent gave me the same story that the " check is in the mail. '' I asked her to elevate this to another level of customer service to produce a check number and check images so I could track it and see if it was cashed, and she said she escalated it and that I would receive copies of the check " by XX/XX/XXXX at the latest. '' Today is XX/XX/XXXX and XXXX has still not received a check from Navient and Navient failed to produce the check number or check copies that they promised. It is apparent that they never sent the check for the {$1400.00} overpayment, and that they have just been holding {$1400.00} to which they are not entitled.
Company Response: Closed with explanation

Timely Response

2018-12-06

Wattenburg, CO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I was about a month away from the end of my deferment period after graduating with my XXXX XXXX degree and was enrolled in a graduate program. The school had already sent out the information to lenders so my deferment should have been continued but I continued to receive notifications that I had to pay soon. I contacted Navient to get this fixed, as I am not working during my program and can not make any payments so the deferment was necessary. The person I spoke to said that he didn't know if they got the information from my school stating I would be enrolled full-time so I got a letter directly from the admissions office with all of the necessary information to defer my loans and submitted it immediately. My payment date was coming up in a few days at this point so I asked them how long it would take to change this on my account and stop the payments/begin deferring my loans again and he said it would range from one to two weeks so it is mandated that I make a payment so I am not late. I made the payment after getting off the phone with him and the next day, my deferment was accepted. Thoroughly disappointed in the inaccurate information I was given, as I have limited funds as is and made a large payment when I should not have had to.
Company Response: Closed with explanation

Timely Response

2018-12-06

San Jacinto, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: GILA Corp ( XXXX ) XXXX has attempted to collect a debt from me in the past that i found out was not mine at all. Upon my request, Gila Corp provided more details about the debt and i determined it was someone with my same name, but was not me. I proved this to them by telling them this person had a different birthday than mine, we only shared a name. The agent confirmed they would no longer call me or pursue this debt with me, but fast forward a couple years and now theyre back at it, calling my home 3 times a day. I do not feel that i should have to argue with them and prove to them my identity every 2 years in perpetuity, they need a better way of verifying identities of the people they harrass and not just blanket call everyone in the USA who shares the same name, hoping that theyre scare tactics will cause multiple people to pay a singular debt of someone they have the misfortune of sharing a name with.
Company Response: Closed with explanation

Timely Response

2018-12-06

Odessa, 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

2018-12-06

Belvedere, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2018-12-06

Aurora, CO

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-12-06

Juniper Hills, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-12-06

Boston, MA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: In summary I cosigned a loan for my daughter with SallieMAE for {$10000.00} in XXXX. Both of our records confirm that I have paid diligently from XXXX XXXX for a total of {$12000.00}. NAVIENT said that I owe an additional {$2200.00}. I can not fathom how they calculated this much in interest. The only correspondence I have about the interest rate shows 3.25 %. The manager from Navient ( spinoff from SallieMAE ) told me on the phone it was a variable rate, but they have not been able to provide any documentation to confirm that. I have letters from SallieMAE in XXXX and XXXX that state the interest rate is 3.25 %. At 3.25 % the loan should have been paid off in XXXX as I believe and my payments confirm. I also paid off 2 other daughters student loans at the same time. In XX/XX/XXXX Navient reported that I was behind payments by 2 months. This made no sense to me since I had stopped payments in XXXX of XXXX. I opened a dispute with the credit agency, but it was closed 2 months later. I spoke with NAVIENT to try and resolve, but they could not provide any documentation or proof about the how they calculated approximately a {$15000.00} debt on the {$10000.00} loan. This equates to a 50 % interest assuming no payments were made. The indisputable facts are that I made over 145 payments for {$84.00} per month for a total of {$12000.00}. I think it is outrageous for Navient to be looking for more money from me for this student loan and to report false information to the credit reporting agencies. Both my daughter and I have been harmed by the negative credit report. on XX/XX/XXXX I had a call with a Navient manager, and we negotiated a settlement of {$890.00}. This manager said that our credit report would be updated to reflect " Paid '' or " Satisfied '' if we paid the {$890.00} by XXXX on XX/XX/XXXX. I received the settlement offer, only to learn that the credit bureau status would be updated to paid in full for less than the full balance. In addition, there would be a XXXX issued on the balance of the amount they said I owed less the settlement amount. I understand these firms need to collect when payments are not paid or fall behind, but my payment history clearly demonstrates that I diligently made the loan payments from XXXX to XXXX and thought I had paid off all my kids loans by XX/XX/XXXX. I firmly believe the tactics used to recover this debt is the result of shady lending tactics by SallieMAE, Navient and XXXX XXXX. Our financial reputation has been severely damaged as a result of these tactics. Trying to get help from Navient, XXXX or even through the attorney generals office is not helpful. To this point Navient will not provide any supporting documentation to show how they determined the additional debt. In fact they provided false information to the credit bureau, stating that I was making payments through XXXX of this year. In addition they report that my payments were only {$60.00} per month. Both points are not true, I can show that I made payments of {$84.00} from XX/XX/XXXX XX/XX/XXXX. Any help you can provide is greatly appreciated. XXXX
Company Response: Closed with explanation

Timely Response

2018-12-06

Fritztown, PA

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

2018-12-06

Clayton, MO

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: On several occassions I contacted SallieMae and Navient regarding difficulty in making payments. Sallie Mae had told me on one occasion that my loan was not eligble for forgiveness because it was initiated before XX/XX/1991, even though I qualified in XXXX area, including teaching ay-risk students in non-profit intitution, in an urban area. Both servicers offered forebearance, and never offered any repayment options. I beleive my loan has been in forbearance a total of 10 times. I dont rememberdate as this has occurred over 12 years. At one point my loan was {$9000.00}. Now it is up to {$20000.00} because representatives at Navient recommended forbearance.
Company Response: Closed with explanation

Timely Response

2018-12-06

Hamburg, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have been paying on my federal student loans that are serviced through Navient. I have been set up on automatic payments for at least the last 2 years. In XX/XX/2018 I enrolled in a 4 credit course through XXXX County XXXX XXXX as part of an employer requirement for a job promotion. During that time I pay for the course out of pocket and assumed I was paying my student loans as I always have. Months later I realized that my payments were not being withdrawn and was only notified when I received an email stating that my loans were in forebearance, of which I never agreed to. I am not schedule to begin making payments again and realized that I have accrued additional interest due to the loans being in forbearance that I had never authorized in the first place. I find the tactics used by the company to be misleading and unlawful.
Company Response: Closed with explanation

Timely Response

2018-12-06

Hampton, VA

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2018-12-06

Redding, CA

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

2018-12-06

Sacramento, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I am on XXXX XXXX i have been working with companies received XXXX and XXXX XXXX suspension in XX/XX/2016 and was told all taken care of my loan discharged I havent heard from no one Receiving letters from XXXX XXXX now Navient Post Claims Assistant I am on XXXX due to stress why isnt this havent been take care of I have been on top of everything Im currently working with Student Advocates submitted all my paperwork and another total temporary discharge form. Now after interests loan is XXXX im sitting on debt on XXXX income for 10 years now My number is XXXX. XXXX XXXX XXXX. XXXX XXXX Maiden Name
Company Response: Closed with explanation

Timely Response

2018-12-06

Palos Park, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Since I have graduated I have payed for my loan. However, When my student loan was moved to Navient I believe that my student loan has not decreased and when I asked about XXXX loan forgiveness my answers to my question were not in the best interest of my loan. Information given about XXXX forgiveness and interest were not accurate and ambiguous.
Company Response: Closed with explanation

Timely Response

2018-12-06

Columbus, OH

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I had taken a private loan in XX/XX/2007 from Navient who was Sallie Mae in the past. I was paying them about {$87.00} a month. This was what I was able to pay. They raised the payment a few months later to {$110.00}. Which was fine, then they asked me to pay more. I honestly gave up because this was all I can pay. Every month I saw my statement the amount was still the same. They called me to work something out with me after I stopped paying, I talked to them and they still had no options for me. It was I either pay the full amount or I continue to make payments. Not sure why they were calling me to work out something, if they had nothing. I had filed for bankruptcy this year and my private loans could not be forgiven, they still call me from different debt collectors, ask me to pay, they lowered it my loan to a lump sum which I don't have it, they called my relatives to ask about me. I don't know how to get rid of them anymore. I wish If someone can help me. Thank you.
Company Response: Closed with explanation

Timely Response

2018-12-06

PA

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I currently have student loans through Navient. I have been struggling for years to try in lower my interest payments and also try to get income based payment arrangements. I currently live pay check to pay. I get roughly XXXX/bi weekly and they want my repayment to be over 1,200/monthly. No matter how many times try to send them my monthly expenses and what I have left ; sometimes not even enough money to buy groceries. With my monthly expenses and bills I roughly have about XXXX left for gas, groceries, personal hygiene ect.. I have been told by them to sell my car, walk to work, etc..They will only allow me to set up payment online/calling them by credit card or my checking account. I have never been giving the option to send a money order from my bank. As an educated individual trying to pay back student loans with what money I have left, I continue to get harassed by many many nasty phone calls from Navient along with my family members. Please help me to get a solution resolved with Navient and a less stressful loan lender willing to work with me based on my finances.
Company Response: Closed with explanation

Timely Response

2018-12-06

Chicago, IL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have contacted Navient on XX/XX/XXXX via email in regards to what is the name of the debt collector that owns my private student loans that were originally with Navient. I was a United States XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and made payments while I was a volunteer, the payment amounts were {$50.00} US dollars which was deducted from my readjusted living allowance. I have struggled to secure a full-time job from XX/XX/XXXX-XX/XX/XXXX. I would like to know who I should contact about my private student loans that were originally owned by Navient. I have made payments of {$25.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like to work out a feasible repayment plan on my loans. I would also like to know what my options are for repayment on private loans once I begin a graduate program in the XX/XX/XXXX. I am attaching my repayment history with Navient and the email I sent to them via the contact email address they provide on their website. No one from Navient has responded to my email since XX/XX/XXXX. Navient can contact me at the following mailing address XXXX XXXX XXXX XXXX, IL XXXX.
Company Response: Closed with explanation

Timely Response

2018-12-06

Effingham, KS

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: In XX/XX/2018, three loans I have with navient come out of my last forberance. I tried for 90 days prior to XX/XX/XXXX to get on a repayment plan that would meet my income level. After multiple calls and financial worksheet submissions, I was told that " No concessions can be made on my account, as we have your discretionary income as over {$3000.00}. '' My total monthly take home income is around {$3000.00} and i currently pay multiple other obligations every month. After trying to fix figure several times with phone calls and more financial worksheet submissions, I was still told no concessions could be made on my account and the only option I had was to try for a rate reduction program. After asking how that would happen, I was told you only become eligible for this program after your account is past due. I called back several times over the course of the next 60 days trying anything that would prevent that from happening. In XX/XX/XXXX, I was finally allowed to apply for the XXXX XXXX XXXX, provided I agree to auto deduction from my bank account and make three " qualifying payments '' into the program. I asked what would happen to my account since it was showing as past due. I was told to not worry about it, as Navient does not report anyone to the credit bureaus until at least 90+ days delinquent ( I was around 45 days ) and they ABSOLUTELY do not report while anyone is in a qualifying period for a new rate program. I was told that IF my account was still delinquent after the three month qualifying period, then i would be reported to the Credit Agencies. 6 weeks into my qualifying period, and after a successfully making 2/3 payments, I was reported to the bureaus as being " severely delinquent. '' I called navient, spoke to a " supervisor '' who told me this was a processing error and that should have not been reported. I asked what would be done to fix this and they stated they can file a retraction, but it would take a month to process. I asked how I was to know this got done, and was told " well i will make a note on your account. '' I then asked for copies of the " notes '' on my account and was told that i could not access them, as they were internal documents and that it was not appropriate for me to have access to my own personal loan records. This was in XX/XX/XXXX. In XX/XX/XXXX I called back to ask what was going on with my retraction, as my credit score has plummeted, I can not purchase a home, move out of my parents home or refinance my car. In speaking with the " supervisor '' XXXX, employee XXXX, I was told that no such retraction had been made, and further more, she had no knowledge of the program in which i was entered, so therefore she really couldn't do anything to help me. I asked to file a formal complaint within the company as this was now the third time i was told a retraction would be filed and my credit score repaired, as much as possible, and each time i call to check on the status i speak to someone who has " know knowledge '' of these issues, even with all the " notes '' on my account.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-06

Decatur, 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