Navient Solutions, LLC.

2018-11-21

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-11-21

Niverville, NY

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

2018-11-21

Topeka, KS

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I consolidated my loans into direct loans this summer. Then after I found out the payments from my bank were going to the wrong address I canceled the auto payments from my bank. Navient received the payments and deducted the money from my bank account via the checks that I sent them from my bank. One check of {$150.00} on XX/XX/18 and another on XX/XX/18 for the same amount. I double checked my bank account and the funds were withdrawn. Once Navient got the payments, they reversed the payments of - {$150.00} on both payments. I still have not seen the checks in the mail or the money returned in my bank account. I have called them 3-4 times in the last 2 months and also sent them an electronic message which they replied to on XXXX XX/XX/2018 and said their customer service is looking into it. I used the phone number XXXX. I called XX/XX/2018 at XXXX XX/XX/XXXX at XXXX, XXXX and XXXX I called again XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX Each time they told me to either wait or that someone is looking into it. I'm still waiting on the {$300.00} refund.
Company Response: Closed with explanation

Timely Response

2018-11-21

Gamaliel, KY

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

Contacted your employer
Complaint: XX/XX/XXXX I was told to go to HR at the company I work for. When I got there I was told that this company called XXXX XXXX XXXX had mailed some forms to them about garnishing my pay. They wanted to take 15 % of my income. This is a lot and it is going to cause a financial hardship on me and my wife. Plus 15 years ago Sallie Mae after months of communicating back and forth with them about my loan. See I went to college because I wanted to work on a XXXX XXXX, so I had to major in XXXX XXXX XXXX. I went to sign up for classes and met a financial aid person and she helped me sign up for a loan. I told her that I had a XXXX XXXX and she told me that was ok because in 2 years I would be working on a XXXX XXXX. I signed up for my classes. I XXXX 3 of my classes and got a XXXX on another one. So I had to take those classes all over again. I talked to financial aid and asked what I should do and she told me not to worry about it everything was going to be alright and she suggested that I just take other courses and then go back and repeat the XXXX courses last. I wanted to get math out of the way so I took it again and XXXX again. So once again I went to see the financial aid lady and she said for me not to worry about it. I got 2 XXXX and 2 XXXX. Coming back from spring break I went to see the financial aid lady and asked her what I should do she said for me not to worry about it she would go and talk to my math teacher to see what we could do. She told me just to think about working on a XXXX XXXX. I went to math class that day and after class the math teacher asked if he could see me after class. After class I went to see him and he introduced me to someone who was going to tutor me. I met with my tutor and I told her I am really trying but that I can't remember anything and that I didn't understand anything. She worked real hard. The big test came and the math teacher said I would need a A on the test to pass the course. I got a XXXX. My tutor asked me how I was doing in my other classes and I should her my grades and she asked me why I was still in school. I told her that the financial aid lady told me that I would be working on a XXXX XXXX like I wanted to. I told my tutor that I went and talked to the financial aid lady about dropping out and she just kept telling me that I would be working on a XXXX XXXX when I leave college. My tutor asked me what I wanted to really do and I said I am just getting all XXXX and XXXX and I should probably drop out. I decided I was going to go and talk to the financial aid lady again but this time I asked my tutor if she would go with me. We went to the financial lady 's office and I told her that I wanted to drop out of school and she asked me why I told her I was getting all XXXX and XXXX and she told me that I had a dream of working on a XXXX XXXX and we will make sure it happens. While we were talking my tutor was reading my loan papers. The financial aid lady got me to sign the loan papers so I held my breath and signed them. I started to date my tutor and we ended up getting married and I did drop out of school. I went to work and my new wife continued her college and she graduated. She went to work in a XXXX XXXX. Her older brother invited us to go and live in XXXX and he could get me a job where he works. So we moved to XXXX, to make a long story short me and my wife ended up XXXX. I called Sallie Mae and got a forbearance. My wife started getting really sick and all the drs in XXXX said it was in her head. We ended up going back to XXXX. Time went on and I got another forbearance and then another forbearance and now my wife is being rushed into XXXX. She was in the XXXX XXXX for 9 and a half hours. She almost died. My wife was really sick it wasn't all in her head. She was XXXX XXXX for almost a year after that XXXX. During the time my wife was recuperating she reread my loan papers and on the back of the loan papers it said if a student doesn't keep up a XXXX GPA they would not qualify for any loans. My GPA was always way below a XXXX. My wife told me I should of never gotten those loans and that Sallie Mae was irresponsible in giving you those loans. My wife knew other financial aid people and come to find out the lady that was getting me to stay in college was making commission on the loans. I started calling Sallie Mae and a months of talking to them and they talked to others. Sallie Mae said I fell threw the cracks and I shouldn't of been getting loans and because everyone XXXX me a young impressionable man they were going to write off my loan. I never thought anymore about it, until I showed up for work and HR showed me the forms. I never even heard from anyone. I tried to call the college to get any paper work I could and XXXX College closed.
Company Response: Closed with explanation

Timely Response

2018-11-21

Phoenix, AZ

Struggling to repay your loan

Student loan: Federal student loan servicing

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

Timely Response

2018-11-21

SC

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: Hello, I have 14 different student loans that are showing 90 days late on XXXX, XXXX. This information is not correct. My student loans have always been deferred, forebearance or on an income based repayment plan. I have made all required payments, on time. I have submitted all necessary paper work, when they ask, however they ask for it. But they still have not updated my credit reports to show accurately. I believe this is some sort of agent error. Of which they are commonly known for ( example : I filed for a deferment recently, and it was DENIED because according to them, I have loans disbursed before XXXX, which is impossible because I was only XXXX years old in XXXX. *this issue has been handled. Just using it as an example of THEIR error ).
Company Response: Closed with explanation

Timely Response

2018-11-21

Gr, MI

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: I had an account with Navient ( at the time it was called Sallie Mae ). The account was opened XXXX, XXXX. I defaulted in XXXX, XXXX. The date of first delinquency is XX/XX/XXXX. Navient began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact. The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be published. In this case, consumer repeated was required to cease XX/XX/XXXX. Despite being informed of this requirement and being asked to stop, Navient has continued to issue illegal consumer reports on a monthly basis, most recently in XX/XX/XXXX. I submitted complaints regarding these illegal consumer reports to XXXX, XXXX, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. XXXX and XXXX failed to resolve the issue. When I contacted XXXX and XXXX, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking Navient if the information was correct and then accepting their answer without any analysis. The XXXX phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint. When speaking with XXXX and XXXX regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it. There have now been three mock investigations performed by XXXX and XXXX. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.
Company Response: Closed with explanation

Timely Response

2018-11-21

Wonder Lake, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Two loans 1- subsidised 1- unsubsidised Navient consolidated loans without my permission - verbal or written Since XX/XX/2010 all payments paying interest only!!! Four years of first double payments, then single payments paying consolidated loans without my permission. Contacted Navient many times. No resolution. I see online that thousands of complaints filed and several lawsuits class action underway. This is a nightmare!
Company Response: Closed with explanation

Timely Response

2018-11-21

Mattoon, IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-11-21

San Diego, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX to collect on a school loan for the United States Department of Education. This is the information I received : Reference No. XXXX Principal Bal. {$20000.00} Interest {$46000.00} Collection Chrg {$11000.00} Total due : {$78000.00} I've attached a copy of this letter to this correspondence. I'm a bit in a panic state about this. I'm XXXX years old, on a pension and social security. A little history : I went to the University XXXX XXXX XXXX back in XXXX and graduated in XXXX. My only recollection is that my dad took out a loan for my college education. In the XXXX plus years since my graduation, I've never received a bill from the Department of Education regarding this loan. My understanding is that my dad took out this Federal Loan on my behalf. I'm almost 100 % sure I was not on the loan at all. My parents were always going to pay for my education. It's been over 40 years and I can't say for sure, but I don't recall ever receiving information about this loan until now. My name is currently XXXX XXXX. The letter came under the name of XXXX XXXX XXXX XXXX which was a previous married name that I haven't used in 29 years. My maiden name at the time I went to XXXX was XXXX XXXX XXXX. I'm very afraid of contacting this collection agency directly since I've read their collection efforts are ruthless. I'm not sure where they got my name and my mailing address since I just acquired this mailing address about 6 months ago. I've worked very hard to obtain a XXXX credit score and I'm so afraid they will report this debt as a defaulted loan after XXXX years. If it is discovered that I, in fact, was the primary borrower, I will do whatever is necessary to resolve this without the interference of a collection agency. At this time I feel helpless because I have no idea about the details of this loan. I would be forever grateful if you could advise me as to the next steps I should take to resolve this matter. Thank you in advance for your assistance. Please contact me as soon as possible as I feel very uncomfortable about this whole situation and I don't want my credit ruined. Thank you again. XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-21

Pioneertown, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: We have been receiving repeated robocalls from XXXX XXXX XXXX, starting at XXXX XXXX daily. Sometimes we get calls two or three times in a day. I did an online search of the company and found that it is a debt collection agency that uses illegal tactics. Further, WE DO NOT HAVE ANY OUTSTANDING DEBTS, UNPAID TICKETS OR OWE ANY OTHER MONEY, so this horrible company is calling our number in error. Other victims have tried calling the company, only to be placed on permahold or face verbal abuse. This company needs to be stopped. We have had this phone number for years, so if the calls are targeting someone who used to have the number, then XXXX XXXX XXXX records are way out of date.
Company Response: Closed with explanation

Timely Response

2018-11-21

Grosse Ile, MI

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

2018-11-21

Bellevue, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have never applied for or taken a private student loan. Navient has 11 of my FFEL student loans. They are claiming they are private loans. They refuses all my requests for repayment options, forbearance, and deferments. I've shown them several times these are federal loans that appear in the NSLDS. They refuse to listen. I need help with Navient.
Company Response: Closed with explanation

Timely Response

2018-11-21

Arsenal, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I got a call from Navient on XX/XX/2016 saying I qualify for loan consolidation. He told me that they would consolidate all of my federal loans into one or two trade lines. After 3 months in forbearance, they only consolidated ( 7 ) of my federal loans in the amount of {$19000.00}. In XXXX of 2016, Navient made ( 3 ) disbursements and ( 2 ) adjustments in the amount of {$21000.00}. This is {$2600.00} more than what they paid for my ( 7 ) federal loans in question. In addition, I had to pay a one time fee of {$790.00} to have Navient consolidate my loans. The Navient representative 's name was XXXX and his number was XXXX. He told me that the whole point in consolidating my loans would be to reduce the amount of trade lines from my federal loans as well as lower my interest rate. The current interest rate on my loans with Navient is 4 %. ( 4 ) of the ( 7 ) federal loans that Navient paid off had interest rates lower than 4 %. I was absolutely misled into believing that consolidating my loans with Navient would save me money in the long run. This is not the case at all. Not only did my loan amount increase {$3700.00}, but i paid a one time fee of {$790.00} and my interest rate went up for ( 4 ) of the ( 7 ) loans. Navient consolidated 7 trade lines into 2 ( Subsidized and Unsubsidized ). They took advantage of me right out of college by telling me i was qualified for the XXXX student loan forgiveness Act. None of the things that occurred above had anything to do with this Act. Instead, my loan is now bigger with a higher interest rate. I recently got word of a lawsuit against Navient which made me take a deep dive into what occurred back in XXXX of 2016. I now see that i was misled and taken advantage of.
Company Response: Closed with explanation

Timely Response

2018-11-21

Westfield Ctr, OH

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: When I called to get my payments lowered I was told I needed to do a forebearance/deferment several times. I have spent through all of them and now do not have anymore for an emergency. I had asked them several times about PAYE or REPAYE like I have with my Federal Loans and they said they do not offer it. I explained that the payment they offered was too high per month. The only option I was offered was a reduced interest rate.
Company Response: Closed with explanation

Timely Response

2018-11-21

Leeton, UT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I became a XXXX XXXX in XXXX. I was told by Navient 's predecessor organization Sallie Mae that due to my unique circumstances, having had a loan in forbearance ( due to a military XXXX XXXX and XXXX ) I would never be able to take advantage of the Public Service Student Loan forgiveness program. After Navient was created in XXXX, it continued to tell this lie to me and similar lies to others. I have been a XXXX XXXX for over 8 years at this point and I can not start taking advantage of the program now and have it actually pay off before my loan is paid off through the normal course of events.
Company Response: Closed with explanation

Timely Response

2018-11-20

Newington, NH

Incorrect information on your report

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

Account status incorrect
Complaint: After graduation, I struggled to re-pay my loans. I had private and public loans. Both were serviced by Navient. This is my third time submitting this complaint. XXXX XXXX is the Borrower at issue. XXXX XXXX is XXXX 's attorney and wife and authorized user. There are MULTIPLE issues with Navient. Navient 's response that " XXXX XXXX does not have authorization to deal with her mother, XXXX XXXX XXXX loans '' is the same XXXX XXXX that Navient has been doing to XXXX XXXX for the past 10 years. Recently, XXXX XXXX was added as an authorized user pursuant to Navient 's response to my second complaint. The problems are 1 ) incorrect and inaccurate information from Navient to its borrower XXXX XXXX and 2 ) improper credit reporting, described below Statement from Borrower, XXXX XXXX : I receieved notices from the Servicer, Navient, about my loans. I contacted Navient and made payments to make sure the loans did not default. Multiple people at Navient told me I was all set. '' Come to find out, my private loans were back in re-payment, but my federal loans were at the brink of default. Further, my public loans had been put into repayment plans that I did not authorize. Navient never told me this and i operated on the assumption that my loans were in repayment. Recently, in spring XXXX, while trying to procure a mortgage, I learned that my federal loans had all defaulted. Navient serviced them but did not help me when I was trying to put all loans into repayment. Most notably, the default date varied between the federal loans. This is impossible because I always paid or failed to pay my loans together. I never identified loans to pay while leaving some unpaid. The default date should all be the same. Upon learning this, I was able to pay the entire balance of loans I took out, and have the collection fees and accured interst waived. XX/XX/XXXX I fully paid those formerly defaulted federal loans. Now, my issues are as follows : 1. ) my credit score shows multiple default dates, for various federal loans, this is inaccurate, all were defaulted at once. Discrepancies include : cancel date XX/XX/XXXX ; default date XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; default date XX/XX/XXXX 2. ) my credit score shows that the loans were paid not in full for less than amount owed, but XXXX states those loans were paid in full XX/XX/XXXX 3. ) my credit scores shows some loans still in collections although NONE are in collections. They were all paid in full XX/XX/XXXX according to NLDS.ED 4. ) if navient had not advised me my loans were all set i never would have defaulted. Because, i would have defaulted on ALL loans or NO loans. 5. ) some servicers listed on my credit report i called while trying to figure out what happened with my loans and they told me they never serviced my loans. I was a full time student and finished my degree in XX/XX/XXXX. I never asked for loans to be put in forebearance. I never asked for loans to be put into any repayment plan other than standard. I notice my XXXX system says loans were in graduated repayment I never asked for or authorized or approved or even understood that loans were anything but standard. I communicated with Navient and Navient is the company that ultimately told me my loans were all set and back in repayment when they were about to and actually did default. Apparently the private arm of loan servicing did not communicate with the public arm of loan servicing even though I communicated with one company. I know this because my private loans were " all set '' and are still in repayment. This matters, even though I managed to pay my federal loans in full XX/XX/XXXX, because it affects when my credit score will normalize after finally paying the federal debt ( which unbeknownst to me was defaulted ) and allow me to get a mortgage. Mortgage rates are on the rise so the sooner the resolution the better. I would like the default date to be set to the date the default actually occured on all federal loans XX/XX/XXXX or earlier. ( Based on the fact i never asked for any modified repayment plan. ) I would like the repayment plans my loans were put into to be examined, because it was not authorized or requested anything but standard repayment and if the default was actually earlier than XX/XX/XXXX i would like the records to be corrected to the correct date. I would like the status showing collections portion of my credit score related to student debt to be removed. All have been paid, and private loans are in repayment, there are none in collections. I would like the credit score to reflect loans were paid in full, like my education account.
Company Response: Closed with explanation

Timely Response

2018-11-20

Ravenscroft, TN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2018-11-20

Nyc, NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I asked Navient to submit my past payment information to a forensic accountant/lawyer who I hired to review the charges to my account and they have refused to do that. I make payment for almost 14 years well beyond the due amount every month for years, which should have cost the balance to drop, but it has not. I want this forensic to compare the payments I did from my bank accounts to this company and make sure I have not been taken advantage. Navient, which is former Sallie Mae has refused to do so. I want all the information to be sent to XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-11-20

Ridley Park, PA

Problem with a credit reporting company's investigation into an existing problem

Student loan: Federal student loan servicing

Their investigation did not fix an error on your report
Complaint: On my credit report, my federal student loan serviced by Navient shows delinquent payments. During this time my loans were in forbearance. Navient sent emails to me asking if I wanted to place my account in forbearance with the directions of " simply reply yes to this email '' and that's what I did. XX/XX/XXXX and XX/XX/XXXX should not show 90 and 120 day late payments because the forbearance was in place.
Company Response: Closed with explanation

Timely Response

2018-11-20

Clarkesville, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have my student loans with Navient. I was to submit a new application for IBR. I spoke to them on the telephone and explained that I was uncertain what to do in terms of asking for a forbearance or IBR. I was told my current application did not expire for a couple months and I had time. I submitted my IBR application and noticed today that my credit score went down 32 points due to Navient. When I called, they said I missed the application dead line by 4 days and was charged interest fees due to missing the deadline. I was NEVER told this was a possibility and I have been using them for years.
Company Response: Closed with explanation

Timely Response

2018-11-20

Clayton, MO

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Set up an interested only pymt plan on XX/XX/XXXX with XXXX, initial payment taken on XX/XX/XXXX next was taken out on XX/XX/XXXX. Rec 'd voicemail from acct mgr, XXXX on XX/XX/XXXX stated that the pymt plan there was a problem with it and he needs to address it and if I want his help in protecting my business going forward I need to call him. I called back on XX/XX/XXXX spoke with XXXX who stated that I wasn't supposed to be put on the pymt plan because I just had one XX/XX/XXXX I said ok who's fault is that? It's XX/XX/XXXX go ahead and keep the plan going or start it over, she said she could not do that, I said cancel the pymts and I'll call back because I needed to make another call. Called back and spoke with XXXX who went through the same sad story saying I would not be eligible for the plan until XX/XX/XXXX now and that my options are to pay $ 50+ or $ 80+ to get a different plan I requested a supervisor, XXXX came on the line, questioning everything, said that I could not get a $ 20+ payment and their mistake oh well, I asked for his manager, he claimed none was there, over talked me, said I wasn't getting anything and hung up on me. I called back again asked to speak with a manager Ms. XXXX who allowed me to explain everything, she apologized for the initial rep being incorrect but explained that this lil {$3000.00} loan means nothing in the long run and it's going to hurt me more than it will hurt them, etc when I told her to cancel all future payments. She refused to send me confirmation that the payments were canceled and said that they can not continue to allow me to be on any interest only payment plans period.
Company Response: Closed with explanation

Timely Response

2018-11-20

Eau Claire, WI

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

2018-11-20

Houston, TX

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: XXXX Debt. Fraudulent
Company Response: Closed with explanation

Timely Response

2018-11-20

Tarzana, CA

Credit monitoring or identity theft protection services

Credit card or prepaid card: General-purpose credit card or charge card

Billing dispute for services
Complaint: I been disputing Naviet account XXXX, and also XXXX, for been charging unauthorized transactions I detect on XX/XX/2018, instead of resolve the matter they still charging and not resolving the issue, .Naviet is been reporting 6 times the same account, I been disputing and dealing with Customer for years with out any response. at this point I need any kind of help, please.
Company Response: Closed with explanation

Timely Response