Navient Solutions, LLC.
Consumer Complaints
There are over 31323 complaints on file for Navient Solutions, LLC.. Dated between 2019-12-15 and 2012-03-01.
Complaints Page 161
2018-12-05
FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I applied for the REPAYE plan in XXXX of XXXX. I was informed by Navient that my school had not updated my status in regards to my graduation in the end of XXXX. I called my school XXXX university and the problem was rectified and was informed by navient that my loans would be consolidated and after that my REPAYE plan would be processed. After this I did not receive any notification from them regarding my repayment plan until today XX/XX/XXXX. I was informed via phone call that my payments were delinquent. After I informed them that this was incorrect as I am currently a XXXX XXXX, I was informed that my REPAYE plan was never processed and they told me that I never uploaded proof of income, which is false. As a student that year I was not working and after speaking with their representative at the end of XXXX of XXXX I was told to upload my proof of income, with my last job being in XXXX and I uploaded my pay stub to their website. After speaking with a representative today they sent a notification to my previous address, that I did not live at anymore and then was informed that they sent me a letter in XXXX of XXXX to my new address regarding this information that I did not receive. I was never called or emailed ( my preffered method of contact which I choose on their website ) and now I am stuck paying roughly {$7000.00} in intrest on loans that I would not have paid if my REPAYE plan had been processed. Again I uploaded this information in XXXX of XXXX and called again at the end of XXXX to confirm all my documentation was correct and I was told everything was correct and my documentation would be processed after my loans were consolidated. Not only was I deliberately misguided by Navients representatives they according to them only attempted to notify me once about this issue 4 and a half months ago.
Company Response: Closed with explanation
2018-12-05
Mville, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-12-05
Dallas, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2018-12-05
Austin, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2018-12-05
Philatelic Center, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: When I finished graduate school, back in XX/XX/2012, I requested via phone to consolidate my loans. I was planning on doing the Public Service Loan Forgiveness program and was told that in order to qualify, my loans needed to be consolidated.
However, when I called Navient with this request, I was told that my loans were already consolidated, as they were all under one lender/servicer, and that I was good to go. It wasn't until years later, after I had worked in non-profits for 4 1/2 years that I found out my regular monthly payments weren't counting toward my forgiveness because my loans weren't properly consolidated.
Because of the misinformation from Navient at that time, I lot 4 1/2 years of regular payments toward forgiveness, I made career and life choices to work toward loan forgiveness, only to find out they weren't actually counting.
My loan servicer eventually changed to XXXX, so I no longer have contact or records from Navient. But in light of all of the recent press and information coming out about their practices, I felt it important to share.
Company Response: Closed with explanation
2018-12-05
Topeka, KS
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-12-05
AL
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I am being sent a bill each month by email and physical mail for a loan I donot recall applying for. The loan doesnt have my correct name on it and XXXX has checked out my loans and it doesnt appear on my loan history according to Dept. of Education. I was afraid to not pay so I did it for about two years while attending college. When I called them they said I had to pay anyways and told me that my wages would be garnished or my credit would be impacted negatively. I was terrified of those consequences so I made the payments on time monthly.
Company Response: Closed with explanation
2018-12-05
Jacksonville, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I qualify for loan discharge as a XXXX XXXX XXXX veteran.
XXXX sent letter to me on XX/XX/XXXX.
Called XX/XX/XXXX, they said it should be zeroed out by XX/XX/XXXX.
Called XX/XX/XXXX, Navient said the funds have been transferred and should be complete in 10-15 days.
Called again on XX/XX/XXXX, Navient said there were issues with the guarantor and there was nothing I could do.
XX/XX/XXXX. XXXX confirmed that it has been approved. Asked XXXX to resend letter to navient.
XX/XX/XXXX Called Navient again. They said they needed more documentation.
I just want the loan discharged according to the law.
Company Response: Closed with explanation
2018-12-05
N Falls, NY
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2018-12-05
Lewisville, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I have found a systematic fraud at Navient where they indirectly charge borrowers to simply change the bank from which their autopayments are drafted.
I currently have an outstanding balance of {$61000.00} in federal loans serviced by Navient. I called Navient to simply switch my auto-draft from my XXXX XXXX XXXX checking account to my XXXX XXXX XXXX XXXX savings account. I was advised by customer service that the only way to do so was to cancel my current auto-pay. Doing so increases the interest rate on my loans by 0.375 %, which is the benefit offered by Navient for being on auto-pay, which the customer probably never notices. " XXXX '' ( # XXXX ) and her subordinate advised me to do this, saying I would not be charged a fee. The auto-draft authorization process takes about two weeks ( more or less ), even though my XXXX savings account was already authorized at Navient from months back, and is displayed as an option for my auto-pay.
In summary, there is no way to change auto-draft banks without paying the extra interest for two weeks ; in my case, the interest is about $ XXXX {$9.00}. The fact that this extra " fee '' is accruing on a ledger is extremely opaque to the customer. They assured me there was no other way to change my auto-pay bank. Multiply the average outstanding student loan by the number of borrowers changing banks times 0.375 % interest, and I'm sure Navient is fleecing 7-8 figures from unsuspecting borrowers.
Also note that Navient understood this is the case, and provided no relief for the extra money I had to pay. They would not allow me to reverse my decision, either, and continue to use my old bank under the old interest rate.
Company Response: Closed with monetary relief
2018-12-05
Nyc, NY
Threatened to contact someone or share information improperly
Debt collection: Federal student loan debt
Contacted your employer
Complaint: On XX/XX/2018 the aforementioned debt collector called my employer 6 to 7 times during the times of XXXX and XXXX. There have been calls prior to this date. Today XXXX XXXX at approximately XXXX, the debt collection agency was told to stop calling place of employment. I was informed by my employer of this called, and that employment was verified. Debt collector stated otherwise to my husband over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-05
N Haven, CT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2018-12-05
Austin, TX
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Company Response: Closed with explanation
2018-12-05
Rochester, WA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX has a collection on my credit account. I have sent 3 letters requesting validation of this debt and I receive letters back stating this debt is mine and validated however I still have not received any documentation verifying this debt belongs to me and I have no knowledge of this debt. Need assistance in this matter.
XXXX XXXX XXXX.
Account Details Original Creditor : XXXX University Account # : XXXX Balance : {$0.00} Open Date : XX/XX/2013
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-05
Tarzana, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I have a federal student loan being serviced by Navient and my account has been " disabled. '' It says to contact them for support but they don't have a support option for the time that I am able to contact them ( after XXXX PST ). I am unable to make a payment on my loan ( Which I already don't want to do ) and it is incredibly frustrating to be denied the ability to pay someone while being held responsible for paying them back.
Company Response: Closed with explanation
2018-12-05
TN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Over the years I have repeatedly had problems with the way that Navient ( formally Sallie Mae ) applies my auto-debit loan payments. This issue reemerged this summer unbeknownst to me. I have repeatedly requested that when I make a payment, that the payment is applied to each of my loans. Navient frequently alters the way that the loan is applied. This summer they began taking the same amount of money from my account ( so I did not notice a change ) but began applying that payment only to the lowest interest rate loans. This change resulted in my highest rate loans accruing interest and then accruing interest on interest. I would not have been charged this amount if my payments were applied correctly.
This issue is an ongoing problem. The reason I am posting this today and reaching out outside the Navient organization is that I had the exact same problem with Navent in the past, and it took a great deal of time and effort to get the issue corrected.
Company Response: Closed with explanation
2018-12-05
Warren, RI
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: This is a follow up complaint. The answer to the first complaint is not factual or truthful.
there is taped phone conversations that were directly denied by your phone representative.
Company Response: Closed with explanation
2018-12-05
Queens, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: XX/XX/2018 Here I am in the midst of trying to bury a loved on only to check my mail and receive this notice.
It's raining heavy in my life.
I have contacted the loan holders 3x received emails saying my acct is in good standing and that i was NOT in default. 2wks ago received a letter stating that my account will be turned over and to contact the following agency : I have NOT received any letters, statements or correspondence from any agency indicating XXXX will be handling these loans further. XXXX with XXXX XXXX, XXXX, XXXX XXXX.
Why am I back at this stressful moment of being threatened by Garnishments. This is too overwhelming right now. I struggling just to pay rent, gas, utilities. Food is not in the budget.
PLEASE!!! HELP I can not do this right now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-04
Niantic, CT
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-12-04
Glendale, CO
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: I submitted a request to lower my monthly payment. There were several payment plans presented and an option to have the lowest cost plan selected based on what I qualified for. I selected that option. Navient then put me into forbearance which I did NOT want or know would be one of the option ( assumed they'd all be one the presented plans - forbearance was not listed as one ) for three months. Now my new payment plan after three months is higher than what I was paying before.
Company Response: Closed with explanation
2018-12-04
Kingstree, SC
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 student loans for over eight years now. I started out with {$30000.00} of debt and still owe {$30000.00}. My payments were applied 100 % towards the interest and none towards the principal. When I figured out that was what Navient was doing I called and spoke with a customer service representative who told me I had to pay off all the interest first before anything would be applied to the principal. I asked why was I given a choice of how I wanted my payment applied when paying online and then applied differently and I was given the same answer. I told the customer service representative that I would never be able to pay my loans off if that was how they did it and I was told that it was Navients policy. I started off with nine student loans and have paid one off in full and still owe the same amount I did when I started paying ... .how is that even possible or fair??
Company Response: Closed with explanation
2018-12-04
Glendale, CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2018-12-04
Louisville, KY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I put my defaulted loans in rehab through XXXX XXXX and made my 9 on time monthly payments. Navient, now XXXX, says they don't know what happened and that my loans were never rehabbed. Now I'm getting letters that my taxes will be offset because my loans are still in default. Years ago, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was advised to forbear my loans because I couldn't afford the XXXX a month payment. My loans were only for {$25000.00} at that time. I've reached out to Navient and XXXX XXXX to resolve this and they keep telling me to just keep making my monthly payment and eventually the loans will be picked up by a lender. I don't know what to do.
Company Response: Closed with explanation
2018-12-04
Tulsa, OK
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I've been getting phone calls from Navient on my work phone for someone who hasn't worked here for 10+ years. I've informed them multiple times that he doesn't work here, and to stop calling. I've been getting these calls for my entire time that I've worked here, 8+ years. Some calls, in the past, have come in multiple times per day.
Company Response: Closed with explanation
2018-12-04
Reeds, MO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have student loans through Navient. I finished school 12 years ago. It was 3 years ago that I realized I still owe more than I borrowed to begin with. I called them to address this. They " re-allocated '' my payments. Another year goes by ( to income tax season when I get the form that shows how much I've paid for interest for the year ) and again, every single penny I paid went to interest. Zero to principal. I call them again and they tell me I should pay more than the minimum required. Okay, so I start paying more than the minimum required. Another year goes by, I get the form that tells how much interest I paid for the year. Again, every single penny went to interest. Zero to principal. I call them, they say, well you are paid ahead, by about a year. They tell me I can " re-allocate '' the monthly payments, but they can't put that money already paid ahead towards the principal. So I have almost a years payment ahead, but I still need to pay the minimum plus ( who knows how much ) extra to even put a penny towards the principal each month. I go online and " re-allocate '' the future payments and i set up to make a big increase in my payments. They take one payment from me and then the next month I received a letter saying they have a new company taking over my loans. I now have a new company and lowered my payment back down to the " minimum '' and have watched my principal go down each month, as it should have been for the last 12 years. I recently researched and found that a lawsuit has been filed against Navient due to cases similar to mine. Is there something that I can do to get my past loans reviewed? Are they reimbursing people? I can not find further information on the lawsuit, other than it was " filed ''.
Company Response: Closed with explanation