Navient Solutions, LLC.

2018-12-02

Warren, OH

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I have 2 loans through Navient ( aka Sallie Mae ) both within a 6 month span, for nearly 5x the tuition they charge back in XX/XX/XXXX. They are private but the issue is I was the 'Original ' signor and have the paperwork to show that. But after year, they claimed my 'dad as the signor and not only that the student ' he was at XXXX and in his XXXX 's. Now come full circle to 2 months ago I am out of work, my parents both retired and well they got nasty with all of us as it was time to re-up the pay as you can go program ( been doing it for 3 years ) was told that program doesn't exist and your lucky to be even in it hasn't existed for 2 years? Yet have been in it for last 2 years. The other end saying you make way more than your claiming and we must talk to the 'signor ' which i haven't been for 12 years but all of a sudden I am. Not only did my parents income drop, but now they are claiming I am the signor but since the loan was taken out on the original papers returned I am not, I demanded that paper work and they won't comply whatsoever and was hung up on when asked. In the past for bad and miss use a layer of Navient out of XXXX contacted me and removed 2500.00 plus off the balance. But now they are just coming for the throat, loss of income, not working yet they want 300.00 plus more a month by telling me a program that does exist and shows on their website today at this current minute 'does n't exist and sorry ' Not only that we as ending the last program as they claim as 'gone ' was told XXXX XXXX, XXXX payment XXXX, now they are saying 2 months behind for XXXX as charging late fees and service fees and what not.
Company Response: Closed with explanation

Timely Response

2018-12-02

Arco, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I have two student loans that have been on forbearance for nearly twenty years. In the past ten years that the loan has been with Navient, they steered me toward forbearances instead of income-based repayments. I was in various states of unemployment and underemployment up until the past year. I want to pay the loan off, but the interest has ballooned the balance to three times it's original amount. The original amounts for the two loans where {$6100.00} and {$16000.00}, which have increased with interest to {$24000.00} and {$35000.00} respectively at 8.25 %. I'm currently in the process of consolidating the loans in order to avoid default. Navient offered income based repayment somewhere around {$600.00} a month, which I can not afford.
Company Response: Closed with explanation

Timely Response

2018-12-02

VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I completed my XXXX in XX/XX/XXXX at New York University, with an outstanding loan of {$97000.00} ( approximately form what I can tell form my navient records ). As of XX/XX/XXXX, I began working for a XXXX XXXX until XX/XX/XXXX. From there I started work for yet another XXXX until today. When the PSLF program was announced, I was hopeful that after XXXX payments my loans would be forgiven. My loan service provider at the time was Sallie Mae ( now Navient ) told me I would be eligible and my previous years of non-profit work would retroactively count towards service as I had been in the Income Based repayment ( IBR ) program before. They informed me that I must submit an " Employment Certification for PSLF '' form from both XXXX which would help to retroactively count my years of public service and go towards my XXXX payments. Both XXXX complied and submitted forms to Sallie Mae ( hereby referred to as SM ) as of XX/XX/XXXX and XX/XX/XXXX respectively ( I have attached in this complaint ). SM also informed me that I would need to enter into a different consolidation program to have my loans qualify, which as of XX/XX/XXXX I thought they had helped me to enter into. It was not until XX/XX/XXXX that I received information that I was actually NOT in the PSLF program that I then spoke to DoE. I was informed that I never was entered into any program and that nothing counts retroactively. Additionally, I was informed that I had entered into the wrong consolidation program. Essentially, all payments made from XX/XX/XXXX - 'XX/XX/XXXX I was paying on interest and the loan amount continued to grow as I was in the IBR plan. I am ( I think ) now in the PSLF program ( for now ) but only since XX/XX/XXXX and have only started paying down the principal as of XX/XX/XXXX. I filed a complaint with my senator 's office in Rhode Island in XX/XX/XXXX, who conducted an investigation and found that while I may be upset with Navient for providing inaccurate & false info, the fact is, I should have filed with DoE, which I was not informed of by Navient and was told that I was following the appropriate course of action. I have dedicated my career and education to economic development in the developing world and thus have worked only for XXXX XXXX XXXX that do indeed comply with the criteria set forth by the PSLF program, but have been given years of misinformation by my loan providers which have likely cost me thousands in additional payments.
Company Response: Closed with explanation

Timely Response

2018-12-01

Gastonia, NC

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Actions taken : Wrote to CEO XXXX XXXX in XX/XX/XXXX Wrote to US Department of Education Office of Inspector General Hotline in XX/XX/XXXX and the complaint has been received since XX/XX/XXXX Please read below my complaint and take necessary action. XX/XX/XXXX To Whom it May Concern, I earned my XXXX XXXX XXXX at XXXX XXXX XXXX. I attended that institution from XXXX to XXXX. Back then, I never paid more than {$1600.00} per year {$800.00} per semester. I consolidated all my loans after my graduation and started paying {$300.00} per month for a couple of years. At that time I was making {$28000.00} working for the XXXX XXXX XXXX as an XXXX XXXX. During this period I married XXXX XXXX XXXX. He decided that I was using too much money for myself by paying my own loan, because I was the only one working and was the breadwinner for XXXX of us. So he was determined to find a way for his debt to be paid even though he wasnt working. In XXXX, Navient in complicity with my husband deceitfully misguided me into a joint consolidated loan. My husband was verbally abusive, calling me selfish, unfit mother and used all kind of threats and intimidation to stop me from paying my loan. He contrived a plan to consolidate his debt with mine and a navient customer service representative convinced me that it was in my best interest. This representative claimed that this would be the best deal I would ever have, if I consolidated with my husband. I reiterated that my student loans were consolidated previously. The Navient agent kept on telling me : " Great! You still can consolidate and it is going to be in your best interest. The agent provided me with unclear and deceitful information such as : 1- I can re-consolidate with my husband even though I have already consolidated. 2- The joint consolidation will decrease my interest from 6 % to only 2 %. My husbands plan was to make me pay the entire loan myself. I did pay it from XXXX to XXXX until my husband forced me to resign at the XXXX XXXX and move to Florida. There, I continued paying until XXXX. Unfortunately, it is after this move to Florida that I learned my husband had been XXXX XXXX XXXX XXXX, since she was XXXX. He wanted us to be away from family and friends so he could XXXX XXXX XXXX without the watchful eye of those who loved me and my children. At this point, I was still with my husband and he was working and he did not pay his fair share. Instead, he put pressure on me and tried to force me to sign for forbearance. After I knew about better options, I refused to sign for forbearance. My husband then forged my signature in order to get a forbearance. I informed Navient about it, they told me they can not do anything. The XXXX XXXX that I suffered and knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX led to my divorce. After this traumatizing event, I was unemployed for 7 years trying to rebuild and recover from such damaging period in my life. I informed Navient about the aforementioned facts and reiterated that I am currently unemployed. Navient never informed me about loan forgiveness and/or income driven repayment. In fact, it kept on steering me toward multiple forbearances. I just learned if you work for a XXXX XXXX for 10 years, your school loan can be forgiven, I was with the XXXX XXXX for 6 years. If Navient did not fail to inform me, I would have fought to stay with the organization until I retired. I know that my student loans were around {$10000.00}. I had paid {$300.00} for 3 years before re-consolidating with my husband in XXXX. Then I continued paying for 3 more years until my abusive ex-husband forced me to resign another job. From my calculations I have paid off 80 % of the debt that I previously had. On top of it, I paid Navient for 3 more years after the deceitful re-consolidation. I do not understand how I ended up owing {$78000.00} to Navient ( seven times what I owed in the beginning )? Please, help me sort this out and allow me every concession possible in order to reduce this debt to a reasonable amount. I ask that you waive fees, reduce the interest and present a payment plan that is reasonable and that also requires my ex-husband to be responsible for his portion of the debt. Please bear in mind that I am currently unemployed due to XXXX XXXX wickedness and I explain : XXXX and I have an XXXX son of whom we share a joint custody. My son is in XXXX XXXX and he goes to school from XXXX to XXXX. On the week my son is with me, my employer allowed me to work 30 hours as to be home upon my son arrival. On the week he is with XXXX, they expected me to work 50 hours as to compensate for the previous week. In four occasions, XXXX did not pick up our son on the week he was supposed to, which precluded me from binding with my work schedule. I got fired from my last job since XX/XX/XXXX. If this is not yours, please let me know whom to send it to. My email address is XXXX My phone number is XXXX Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX ( formerly XXXX XXXX XXXX )
Company Response: Closed with explanation

Timely Response

2018-12-01

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

2018-12-01

San Gabriel, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Navient has called my home over the last 5 months, sometimes twice a day attempting to get a pay on my student loan. I pay my bill on the XXXX even though the bill is due on the XXXX. When the XXXX or each month comes the calls start again. I have never missed a payment in the 5 years I have been in repayment of the loan. I feel harassed and insulted even with documentation of each payment over the past years they claim that we have missed payments. We have been charged late fees each month. Our payments are always over the amount due and we are still harassed. They call claiming to opportunities and then later call to collect a payment that has already been paid.
Company Response: Closed with explanation

Timely Response

2018-12-01

Cartersville, SC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I am currently XXXX XXXX XXXX and have been for 20 years. My student loans were consolidated via Sallie Mae ( now Navient ) back in XX/XX/2006 and I discovered a few years back that they type of consolidated loans they recommended me into do not meet the criteria for Public Service Loan Forgiveness Program, so now I am stuck making payments on what still remains to be a {$20000.00} debt ( at 4.25 % ), when I feel I should have been guided by them to consolidate into a loan type that could have been forgiven. I have continued to make my payments on time and my account is in good standing. I am still honorably serving my country and am asking for assistance in seeing if this student loan debt could somehow still be forgiven via that program. Thank you for your consideration.
Company Response: Closed with explanation

Timely Response

2018-12-01

Albion, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: In XXXX of 2018 I re-enrolled in college. I have been, and continue to be current with all monthly student loan payments. On XXXX XXXX I received a notification via email from Navient that my accounts have been placed in deferment as a result of information received from myself or my school. The notification states that I am responsible for any interest that accrues during the deferment period. I did not request a deferment on my student loans as I intend to continue with my regularly scheduled payment plan while I attend school. I have contacted Navient to reinstate my regularly scheduled payments. I have also contacted my school to see what information they may have relayed to Navient. I feel that this is an unfair business practice. Placing repayments into deferred status and gaining from additionally accrued interest without consent from the account holder should be illegal. Navient has a long history of manipulating payment options to the detriment of the consumer. Their organization makes it very difficult to make additional payments and pay off loans early. Early payment is allowable under the legally binding agreement that is signed when applying for federal student loans. I have personally experienced this which is consistent with the overwhelmingly negative reviews left on their App. I encourage you to read the reviews for their app and organization on XXXX XXXX. This practice should be ended immediately. In addition, account holders should not be responsible for any interest accrued as a result of unsolicited and unauthorized deferments on their accounts.
Company Response: Closed with explanation

Timely Response

2018-12-01

Bywater, LA

Incorrect information on your report

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

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2018-12-01

Tampa Palms, FL

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

2018-12-01

Oaklevel, VA

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

2018-12-01

Ft Belvoir, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I am eligible for student loan discharge of 15 % under the National Defense Student Loan discharge program, which discharges portions of loans by certain percentages, on request, based upon time in a combat zone. I have served a year on a deployment and requested this benefit. I requested the benefit through my servicer, Navient, in XX/XX/2017. They denied the request saying it was for XXXX loans only. that is incorrect, it is for XXXX XXXX as well. See the actual code of the law XXXX XXXX XXXX ( 1 ) An institution must cancel up to 100 percent of the outstanding balance on a borrower 's Federal XXXX or XXXX loan for a borrower 's full year of active duty service that includes XX/XX/2008, or begins on or after that date, as a member of the U.S. Army , Navy, Air Force , Marine Corps , or Coast Guard in an area of hostilities that qualifies for special pay under section 310 of title 37 of the United States Code . ( 2 ) The cancellation rate is 15 percent for the first and second year of qualifying service, 20 percent for the third and fourth year of qualifying service, and 30 percent for the fifth year of qualifying service.
Company Response: Closed with explanation

Timely Response

2018-12-01

NY

Incorrect information on your report

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

Account information incorrect
Complaint: On average I have called them 4 times a month because Navient constantly kept taking out a payment from my bank but a week later it would be refunded with no record of a withdraw or refund and they would claim that I never paid it. Then my {$200.00} dollar payment would be {$1000.00}. On top of that they have constantly recorded information incorrectly. In XX/XX/2018, I had called 12 times because someone had typed in my account number wrong. 12 times they told me it was fixed. They lied everytime. They have even lied about their office hours and have given me fake phone numbers to contact them. They are despicable XXXX XXXX. They use illegal tactics and tons of fraudulently information and I want my loans transfered to another company. I have been put through a living XXXX with these XXXX XXXX. My own mothers credit score was hit with 100 points because they faled a missed payment. I am barely scraping by and these people deserve to be in jail.
Company Response: Closed with explanation

Timely Response

2018-12-01

Vicksburg, MI

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: Navient systematically misdirected me into an income-driven repayment option without making it clear that I would not student qualify for Public Service Loan Forgiveness even though I am working in XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2018-12-01

Laf Ayette, AL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have tried repeatedly to resolve this issue with Navient 's customer service and they have been extremely unhelpful. I refinanced my student loans and on XX/XX/2018, XXXX XXXX XXXX sent Navient a payoff on my behalf in the amount {$45000.00}. This payment cleared their bank onXX/XX/2018but still has not posted to my account. I contacted Navient several times by phone and was told to " just wait '' until the payment posted. Finally, on XX/XX/XXXX, I was told Navient would need proof of payment before they would begin a check research. I contacted XXXX XXXX XXXX who was gracious enough do a conference call with myself and a Navient representative ( because Navient would not speak with them without me on the line ) and XXXX was given a fax number to send in the proof of payment. I also uploaded this proof of payment onto my Navient online account on XX/XX/XXXX and was told the research would be completed by the end of the month. I have called several times since then to check the status of my research request and no update can be provided. My student loans are now showing past due and I should not have to pay more money when my account with Navient should have been paid off a month ago.
Company Response: Closed with explanation

Timely Response

2018-12-01

MD

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Navient withdrew an unauthorized payment from my bank account on XX/XX/2018. I did NOT authorize this payment and I certainly did NOT authorize it to be taken automatically. They did not withdraw this amount in the month before, so Im confused as to why they withdrew for XX/XX/XXXX. This is not the first time this has happened.
Company Response: Closed with explanation

Timely Response

2018-12-01

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: Dear Sir/Madam, I am a student who XXXX from XXXX XXXX in XXXX and my family is continuing to pay for my student loans to Navient ( formerly Sallie Mae ) from XXXX to date. It is a very unfortunate circumstance my family and I find ourselves in with Navient, who have so far been very uncooperative & difficult to speak to on two issues : 1 ) Releasing my co-signer 2 ) Lowering the monthly payment amount To date we have continued to make regular monthly payments & have paid almost all of the actual loan amount, with mainly the principal interest amount remaining. Despite our due diligence in making these payments over the years Navient have refused to have an amicable dialogue with us on these issues or consider our requests. As things stand, since I XXXX in XXXX my mother 's health rapidly deteriorated & she is currently a XXXXXXXX XXXX patient, awaiting a XXXX opportunity for over three years now since her diagnosis in XXXX. My father has had to retire to be her full-time carer. I had to help my parents in the first few years after my XXXX & take over the running of the XXXX XXXX XXXX we had, which since my father 's retirement had to be closed. I myself have only now been able to embark on my own career trajectory since my marriage last year in XXXX, after moving to XXXX with my husband. Though I am in a good role now, I am earning in XXXX Rupees so my salary is significantly less than what is demanded to be paid on a monthly basis by Navient. Therefore the only way we are able to afford to pay for the loan amount every month is through the selflessness of my father who despite being retired is paying for the loan from his pension every month, leaving both him and my mother with virtually nothing to survive on month to month. In this twilight of their lives it is heart-wrenching for me as their daughter to neither have the capacity to help them and they continue to have to support me with the onerous amount owed to Navient month-on month. To put this amount in context for you, the monthly amount is near on {$2500.00} a month, which is around 1,900 at the current exchange rate - my fathers pension amount is XXXX a month. I dont think I need to spell-out the math here to emphasise the dire situation my family is in as a result of this onerous monthly amount. If this were not dire enough, more than this we are holding back my XXXX-year old cousin from her higher education in the US as her father is currently my co-signer and is therefore unable to take financial aid for his daughters education. He agreed to be my co-signer back in XXXX as at that time our family were in good financial standing & my mother 's health was not an issue. We had a clear plan to pay back the student loan amount within 2 years of my graduating in XXXX, which has been affected by various aspects primarily my mother 's health and therefore my father 's need to retire early. Though we have repaid almost all of the actual loan amount, the interest is still pending, which I would like to add is extremely high, and I am not a US citizen, so Navient are refusing to release my co-signer. They are also refusing us to change the co-signer to someone else to help us release my cousin from being a co-signer on this loan. In XX/XX/XXXX I submitted a co-signer release form, which Navient subsequently denied. I have attached this document for reference. Their claim that we have not made 12 consecutive payments on the loan is completely wrong. We have made over 12-consecutive payments, therefore the ONLY criteria preventing us from releasing our co-signer is that I am not a US citizen. However the fact that we have continued to dutifully make payments to Navient from XXXX to date shows our commitment to paying off this loan though I am not a US citizen and more than this it baffles me why Navient would refuse to allow us to simply change the co-signer so that my cousin can be free to seek financial aid for his daughters education. Furthermore I was shocked when I spoke to Navient and attempted to reduce the monthly payment amount and was told to default on the loan for a month & then I would be put through to a department called collections the following month, who MIGHT reduce the monthly repayment amount, but there was no guarantee of this. I find this shocking reactionary financial practice - there ought to be a preventative route to help those who have taken loans to reduce their monthly payment amount out of financial need. We are paying an exorbitant amount every month - we would really like to have an amicable dialogue with Navient to reduce this to an amount that both sides can agree on until we can pay off the total amount of the loan. I should add my father made a complaint to the CFPB not long ago- from which nothing was actioned. I have attached this for your reference. Hence I am attempting to go through this again with you from my side. I would like to end by emphasising however that my first and earnest request is that our co-signer should either be released or be allowed to change from him to another co-signer for the loan. This loan is now affecting THREE generations, my parents, me & my young cousin who has not even started her journey in life. We need a resolution to the issues I have laid out here and I implore the CFPB to help us have a dialogue with Navient to help everyone involved in this unfortunate issue. I anticipate a positive resolution from the CFPB. Kind Regards, XXXX.
Company Response: Closed with explanation

Timely Response

2018-12-01

San Gabriel, CA

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
Complaint: XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NAVIENT XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX/NAVIENT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2018-11-30

Hollister, 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

2018-11-30

Arlington, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: XX/XX/XXXX. Student Loan servicer Navient. There are very limited ways to switch your payment due when you're trying to avoid being delinquent and switch to autopay. For three months, I have tried to switch the due data for cash flow to the XX/XX/XXXX of the month. Each time, Navient says this isn't possible without paying twice on the same loan for the month because of when the payment falls ( on the XX/XX/XXXX of the month ). That the only way is through an administrative forbearance.The whole point of me trying to switch a due date ( for the same month ) is to be on time with payments. This is infuriating. I was also told that I could adjust the payment due date if I signed up for autopayments online. Um, no. It doesn't have that functionality. Basically all Navient customer service seems to know how to do is put you in forbearance -- hence there are numerous lawsuits.
Company Response: Closed with explanation

Timely Response

2018-11-30

Las Vegas, NV

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-11-30

Kosciusko, MS

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

2018-11-30

Billerica, MA

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

2018-11-30

Detroit, MI

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2018-11-30

Bear, DE

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