Navient Solutions, LLC.

2018-11-14

San Jacinto, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I contacted Navient in XX/XX/XXXX. I wanted to see about having my Parent Plus included in my IBR. The employee said I needed to consolidate all my accounts and resubmit a IBR. I did what I was told. I recently received the notice ( XX/XX/XXXX ) that I am on an ICR with a payment in the amount of {$260.00} a month. I called and spoke to XXXX # XXXX XX/XX/XXXX, she said the way the consolidation was done I don't qualify for the IBR, had I done it another way-consolidate my parent plus loans and then consolidated that with my loans I would have qualified for the IBR. How was I supposed to know this and the first time when I called, the employee did not mention this at all. I was just told to consolidate. Student loans are so difficult, how was I supposed to know which way I was supposed to do it. I specifically told the employee when I first called about the consolidation that I wanted to include it in my IBR and apply for a 10-year forgiveness. Not once did he mention anything about one loan and then another. He told me to go online and consolidate, so that's what I did. This is unfair, and I cant afford the {$260.00}.
Company Response: Closed with explanation

Timely Response

2018-11-14

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2018-11-13

Nyc, NY

Incorrect information on your report

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

Account information incorrect
Complaint: I have accounts in Navient that are reporting incorrect data and nonpayment status. The accounts are being paid and almost zeroed out. I have asked that this matter be looked into as they are reporting outdated information to my consumer credit files in XXXX, XXXX and XXXX affecting my scoring and limiting my ability to attain loans and/or other credit based services or products. I am current and have made all payments on time. I am a XXXX XXXX XXXX XXXX and do not have the time to be consistently battling these companies to update information which is their responsibility to do. I am asking for assistance in this matter from the CFPB
Company Response: Closed with explanation

Timely Response

2018-11-13

Newington, NH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: After graduation, I struggled to re-pay my loans. I had private and public loans. Both were serviced by Navient. This is my second 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 's loans '' is the same bull XXXX that Navient has been doing to XXXX XXXX for the past 10 years. The problems are 1 ) incorrect and inaccurate information from Navient to its borrower XXXX XXXX and 2 ) improper credit reporting, described below Statement from XXXX, 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 NLDS.ED 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 XXXX XXXX XXXX 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

2018-11-13

MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: When I first graduated in XX/XX/1998 and couldn't pay the steep payments I was told to keep taking forbearance by what was then Sallie Mae. Never once was I informed about any Income Based Repayment. I have never been in default. I finally ended up on the IBR program around 13 years ago and this year when I re certified I was given a bigger payment although I had just had a second child. I was pressured into re consolidating even though I knew that would restart the clock for any forgiveness. I was told that I couldn't get any forbearance to cover the payment while they recalculated my payment based on the fact that my finances had changed. I was told to reapply for my re certification with a paper form. I did this. I received no notification that the application was received. I paid the amount due from the previous plan and started receiving delinquency notices. and Finally 2 months later a notice saying that I couldn't re certify because it was to early for next year. Their website offers no way to figure out what is going on. The page tells you a different payment amount then a person which is different than a bill. Seems to me this company sets you up for failure. These are predatory practices. Its 20 years later and I have never been in default and my loan balances have doubled. Now for the first time I am in danger of default because of the practices of this company.
Company Response: Closed with explanation

Timely Response

2018-11-13

Berthoud, 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 non-monetary relief

Timely Response

2018-11-13

Bakersfield, 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 NAVIENT which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that 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

2018-11-13

Woodbury, PA

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

Timely Response

2018-11-13

Sebring, FL

Incorrect information on your report

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

Account information incorrect
Complaint: Navient promise to fix my last payment over 6 months ago. I asked over and over again for this company send me the documents re : posted late payments. Navient promise to fix the mistaken last payment posted on my credit report. They never send me anything concerning this matter. My credit reporting has drop due to these unverified last payments. Now that the payment are paid and closed it should not still reporting negatively on my credit report due to the Fair Credit Reporting Act.
Company Response: Closed with explanation

Timely Response

2018-11-13

FL

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: I have been struggling to make my payments on this private student loan that I have with Navient. I had a co-signor and when I miss a payment they will repeatedly call the co-signor several times a day. She has received at least 1 call from them every day for over 60 days. The last time I spoke with Navient ( which was XX/XX/XXXX or XX/XX/XXXX ) I confirmed all my information and asked them to call me and not her, but they still call my co-signor relentlessly. Several times a day, but have not tried to contact me. I understand that i took the loan and I am responsible for it. But to call us continually, every day, several times a day is HARASSMENT!!!! And should we discuss the fact that the people she and I have spoke with in the past seem to think they can be rude and disrespectful just because I am 1 or 2 months behind on my payment!!!! I am willing to submit any documents I have including and not limited to phone records showing the # of incoming calls my co-signor has received. Seems Navient ( among other companies ) thinks they have the right to harass people just because 'we ' owe money. I would appreciate a response to this complaint. I have been dealing with many financial and personal hardships since I took this loan.
Company Response: Closed with explanation

Timely Response

2018-11-13

Lenzburg, IL

Incorrect information on your report

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

Account information incorrect
Complaint: In XX/XX/XXXX, my students loans with Navient were to be due after my graduating in XXXX. By XX/XX/XXXX, I had submitted all of my paperwork to request a deference due to financial hardship. On XX/XX/XXXX, I had not only responded back to a direct Navient employee, XXXX XXXX, via email relaying this information but I had also called the company at approximately XXXX CST to tell them that I had submitted the required paperwork. The paperwork had been submitted twice via fax and once uploaded through their website. Navient did not process my paperwork until after the XXXX due date and marked me as having late payments on the four loans I have serviced through them. The deferment was ultimately granted but instead of making it effective from the XX/XX/XXXX due date, they adjusted the end date. ( This was confirmed by a Navient employee via phone on XX/XX/XXXX. ) I have called and spoke to them regarding this error on their part. I have emailed them the documentation showing that I had contacted their company over a month prior to the due date but they are stating that they are correct in reporting. I do not see how I am responsible for their delinquency in processing my paperwork when I had submitted everything in a timely manner.
Company Response: Closed with explanation

Timely Response

2018-11-13

SC

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: Loans with Navient and XXXX reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.
Company Response: Closed with explanation

Timely Response

2018-11-13

Rockwell, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Navient 's retaliatory actions in response to complaint number : XXXX will cause my wife and I unnecessary financial hardship and stress beginning XX/XX/XXXX. In the complaint, I alluded to what I felt was unethical practices with regards to how Navient was managing my student loans and stated their practices were consistent with the law suit filed against them on the behalf of CFPB in XXXX. It appeared there was little consistency in how the monthly payment monies were distributed between interest and principle. I called them on XX/XX/XXXX after getting their response via the CFPB website and asked for further explanation because I needed more clarification than what was explained in their response. They immediately went from explanation of my student loans distribution to pressuring me into a {$1300.00} monthly payment revision I couldn't afford. I declined and stated I could not afford a revision at this time. They continued to persist in me agreeing to 1 of 3 plans with {$1300.00} being the cheapest of the options. I requested they leave the {$450.00} monthly payments in place -- however unfavorable the current payment plan was until I start drawing my Social Security monies next year and at which time I would be better prepared financially the handle a bigger repayment. I was told they couldn't " change it back '' to the current payment agreement of {$450.00}, but I never changed the current agreement to begin with! I was merely asking for explanation of payment distribution. After arguing with them for 10 minutes and again explaining to them these were the same type of unethical practices the government sued them for, they terminated the phone call and sent me a new payment plan on XX/XX/XXXX totaling XXXX. The {$450.00} monthly payment constituting 1/6th of my monthly net income fit well within my budget. A {$940.00} increase results in a monthly payment of {$1300.00}, this is 1/3rd of my monthly income and will undoubtedly cause financial hardships. At XXXX years of age and facing employment uncertainties, I can ill afford to have this stress affecting my life. Where was the offer for an income-driven repayment plan, why wasn't there a mutually-agreed upon and documented repayment plan? Why not just leave everything in it's current state until I can make better accommodations next year? It should be noted that I never sought to revise the payment plan at this time.
Company Response: Closed with explanation

Timely Response

2018-11-13

Hampton, VA

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: In XX/XX/XXXX, my parents and I called Navient to work out a payment plan of {$1000.00} a month that would be drawn out automatically to help pay down both my principal and my interest for the private student loan. We have made a years worth of payments on time at the agreed amount and the total due has not changed. In fact the total due had risen. I pulled each bill for the year only to find out the monthly balance due rose without our notice making our previously agreed on monthly payment invalid. It was then explained to me that the interest rates on each of my loans were subject to change depending on the market reassessment and the payments I made in our previously agreed on deal were not enough. This is incredibly deceitful and unfair. I feel like I wasted all of this money I will never get back to try and pay a loan that will never be paid off. Below are the actual monthly totals not what I was scammed into agreeing to pay. XX/XX/XXXX {$970.00} XX/XX/XXXX - {$960.00} XX/XX/XXXX - {$980.00} XX/XX/XXXX - {$990.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00}
Company Response: Closed with explanation

Timely Response

2018-11-13

Ft Myers, FL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: My problem is with Navient. I feel their goal is to keep you in debt forever. They are now in a class action suit, which I only found out about because they stopped sending me statements XX/XX/XXXX and I had called to find out why. I was told it was because of bankruptcy. I am a cosigner on this account with my son so I said I hadn't filed bankruptcy, so it must be my son. They said yes. This was very upsetting to me so I called my son & no he hadn't filed. After a few more calls to Navient, I found out they had a class action suit against them. Also, even though I was not getting a bill I am still being charged interest. My statements that I had been receiving state that currant amount due is XXXX. Past amount due is XXXX. Unpaid fees XXXX total payment due XXXX. And on this statement due XX/XX/XXXX the interest is {$35.00} yet on my payment history is was charged {$56.00}. Another complaint is that I had a name change in XX/XX/XXXX which I verified with Navient by a copy of my marriage certificate. My name was changed but of XX/XX/XXXX they changed it back to my previous name.
Company Response: Closed with explanation

Timely Response

2018-11-13

PA

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: I have been repaying my student loans for 6.5 years with little to no issues in making my monthly payments. In XXXX I was involved in a car accident which left me with both a new and unexpected car payment ( my job requires owning a reliable vehicle ) along with other unforeseen expenses. My husband and I found ourselves in a financial hardship and reached out to a debt relief company- XXXX XXXX XXXX . Two of the accounts that they took on are student loans that are currently being held by NAVIENT, although they were originally through XXXX, and previously owned by XXXX. With the debt relief program we were instructed to stop making payments and to change the contact information to their phone number and address. Soon however, we began to receive calls anyway, multiple times a day. Then both my parents and in-laws started receiving phone calls multiples times a day, every day ( over 100 calls within a weeks span ) regardless that they had said I was unreachable at those numbers. I spoke to them once explaining that I was in a financial hardship and that they would be paid as soon as possible but to please stop calling. The calls continued. Tonight, fed up I decided to call them myself and try to explain my situation. The man who is assigned to my case, XXXX XXXX was telling me that they had on their record that my number, the same one I was calling them from was a bad number they could not call and that was why they were continuing to call the other numbers. I stated that I have also been receiving calls and the others had told them I was not able to be reached and to please stop calling. After confirming my phone number with them, he continued on to the matter of my loans not being paid on. He was explaining what the next steps would be if I didnt make payments, about going into default and that they would seek the help of a collection agency and the risks associated with that. I told him that I understood and that unfortunately we were in a financial hardship and unable to make the payments at the moment, that they would be paid once we were able to. I stated that we were working with a debt relief agency that they would be reaching out to them to work out a payment plan. That is about when the conversation turned. XXXX became very nasty with me. He began threatening me and implying that I am stupid for going to a debt relief program saying that they werent going to help me at all and that NAVIENT does not and will not work with agencies like that, and that they are going to wind up suing me. I stated that I will face it when it comes. XXXX scoffed at me mocking what I had just said. He then brought up the auto loan that I took out in XXXX and was saying that clearly I am capable of managing credit. I tried to explain that the hardship we faced began with that, that if he looked at my account he would see I made payments through XXXX but then had the hardship. Without even allowing me to speak, he started talking about how of course because a lot of people all of a sudden have financial hardships after taking out auto loans and something about a lack of responsibility. He was yelling over me not allowing me to speak. I said that he didnt have the right to talk to me the way that he was, said I would not listen to it anymore, said goodbye and hung up. My husband and I agreed there are much nicer more professional ways he could have spoken to me and that his practices are both unfair and unprofessional and he should not get away with it
Company Response: Closed with explanation

Timely Response

2018-11-13

Charlotte, NC

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: Total amount is : XXXX when I graduate early from XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2018-11-13

Baton Rouge, LA

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
Company Response: Closed with explanation

Timely Response

2018-11-12

Oceanside, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

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

Timely Response

2018-11-12

OH

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: Dates are to numerous to list. Have been in a state of forbearance or deferrment since intital graduation in XXXX. Returned to school for XXXX in XXXX, graduated XXXX, continued on in dual XXXX 's graduated with single XXXX 's XXXX. Told will need additional course 's not in originial enrollment to complete second XXXX. Only needed internship at time. Started XXXX, had to postpone due to husbands XXXX XXXX, payments on loans higher than income permits, income potential has never come close to earning potentials put out by schools. Additionally assert that institutions do no consider hiring their alumni as instructors without terminal degrees as a means of generating greater enrollement. This leads to additional student loan debt and even more hardship on the student. Worse is the latest request for deferrment due to personal health issue. Deferrement granted along with an auto stop on repayment plan, which included a payment adjustment 2x the amount which is now over {$2300.00} a month. They also added over {$30000.00} to my loan balances and increased my interest rate to 10.76 %. News flash.. this is three car payments or a house payment and a car payment. Also, if there was no co-borrower to begin with, than how is it they think they can include income from said source that did not exist when factoring repayment? I have been told multiple times I would qualify for teacher forgiveness, or other types of loan forgiveness by navient staff. Turns out none of them know what they are talking about..
Company Response: Closed with explanation

Timely Response

2018-11-12

Wdbg, VA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-11-12

Oxford, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: This is a parent plus loan. School closed navient serviced the loan i paid 19 months on the loan. XXXX College closed 2 months after my daughter start. Filed a dispute it was determined the school ive mailed all the neccessary documents required. Stilling getting the run around. There is a refund involved. I have fax certifcated mail return items still no results.
Company Response: Closed with explanation

Timely Response

2018-11-12

Austin, TX

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: In college, I took out two private loans from XXXX XXXX in 3 disbursements, the first was on XX/XX/XXXX for {$4400.00}, XX/XX/XXXX for {$4400.00}, and last on XX/XX/XXXX for {$3100.00}, for a total of {$12000.00}. After graduating from college and the 6 month grace period before entering loan repayment, I was unable to make payments with my current income at the time and used the forbearance option available to me to postpone my payments. At the time, the servicer was Sallie Mae. Total amount owed after graduating and grace period for my two private loans on XX/XX/XXXX was {$15000.00}. After the various periods of forbearance, my balance jumped to {$23000.00} on XX/XX/XXXX. When I started making payments, there was an inconsistency on how the payment was being applied to my principal and interest balances as demonstrated by the document attached. The loan was sold to Navient on XX/XX/XXXX at which the balance remained almost the same at {$23000.00} after two years of making payments. The inconsistency of how the payments I make are being handled is still occurring and after over 5 years making payments, my balance remains at {$19000.00} on XX/XX/XXXX. To this day, I have made {$19000.00} worth of payments that have been inconsistently applied to principal, interest, and fee balances since XX/XX/XXXX. How do I still owe almost the same that I already paid and much more than I originally borrowed? I never agreed to any type of repayment plan where my money was primarily used for interest payments. In addition, I am currently unemployed and have not source of income to continue paying this ridiculous balance.
Company Response: Closed with explanation

Timely Response

2018-11-12

Huntsville, AL

Struggling to repay your loan

Student loan: Private student loan

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

Timely Response

2018-11-12

Alamo Heights, TX

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