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 174
2018-11-09
OH
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: I have tried to work whit Navient on lowering my monthly payments due to my income. Back in XXXX of XXXX they we able to lower it and I had to renew on XXXX of XXXX. I called to renew it and set up for auto draft on XXXX of each month. The payments didnt start till XXXX which i pay XXXX a month. Well it's now XX/XX/XXXX and they are telling me the renewal was denied due to missing documents. At the time of renewal they said i only needed a voice binding nothing else. I have had so many problems with them about them saying theyre missing documents and we cant lower your payments when they werw rquiring XXXX a month and thats one whole paycheck from me now before switching jobs that was what almost both paychecks for the month.
Company Response: Closed with explanation
2018-11-09
Chicago, IL
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: Income-Driven Repayment Payment Plan in XXXX was : {$27.00}, XXXX I Now Owe {$32000.00} Navient has managed to accumulate unfair interest on my account since XXXX.
Upon speaking with their rep today, I was told about capitalized interest, and was charged 3 separate payments on XX/XX/XXXX in the amount of {$520.00}, instead of one-time capitalized interest fee sent every XXXX. Upon bringing this up, the agent stated that I was only charged an interest once even though I could see three charges for said amount. I was then placed on hold on XX/XX/XXXX in which the other two amounts were removed with no claim of fault from navient after the hold.
To follow up, I brought up a capitalized interest in the amount of {$180.00} on XX/XX/XXXX. Which made no sense because I've never once missed a payment even though my amount is based on my income. I was immediately told by the rep " it's likely i missed a payment '' and of course that wasn't the case, because I was then placed on hold for over another hour just to be told that they would be investigating why that amount appeared on my account because they didn't know.
THIS IS BAFFLING!!
Upon calculating all accrued interests since XXXX, I'm baffled that the calculation of what I owe is {$30000.00} and not {$32000.00} as stated.
I will like to be a part of suing this company for their false practices.
Company Response: Closed with explanation
2018-11-09
Sacramento, 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: It's been a while since I submitted a disputed. However, the student loans were duplicated on my XXXX and XXXX credit reports. I have tried to remove the duplications in the past, but it's still there. I have a total of 4 XXXX XXXX accounts on my report ( there should have only been 2 ). One loan was paid on XX/XX/XXXX and should be completely removed from all credit bureaus ( over 7 years old ). The other was paid on XX/XX/XXXX which is also duplicated. Currently, I should only be one Sally Mae account which should drop off in XX/XX/XXXX. Please advise.
Company Response: Closed with explanation
2018-11-08
Balmville, NY
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2018-11-08
Edgewood, CA
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Company Response: Closed with explanation
2018-11-08
Baltimore, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2018-11-08
Newnan, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: Spoke with rep from naivent about XXXX XXXX XXXX being a closed school and that it needed to be removed from my student loan account and credit report because it is inaccurate and not verifiable. I was told it would take months to know something and that is will be on my report until XX/XX/2028. I have not received any up date on why a school that is no longer in business would stay on my student loan and credit report until XX/XX/2028. This has caused me a tremendous about of stress to my credit score and not being about to obtain credit with this errorous information on my student loan and credit profile.
Company Response: Closed with explanation
2018-11-08
Clearwater, FL
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2018-11-08
Katonah, NY
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2018-11-08
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2018-11-08
Santa Ana, CA
Struggling to repay your loan
Student loan: Private student loan
Can't temporarily delay making payments
Complaint: Navient refuses to honor the terms of my private loan agreement and place my account in Forbearance. After refusing to place my account in the student deferment I am entitled to as an enrolled student, and multiple formal complaints filed, I was informed by Navient representative XXXX XXXX that I was eligible for 12 months of voluntary forbearance. I stated I wanted to use my forbearance as my financial situation is difficult and I can not afford payments at this time. I completed all paperwork necessary and ( after more formal complaints ) a forbearance was applied to my account, but only for 3 months This forbearance expires on XX/XX/18. I again went through the hassle of applying for the forbearance in mid XX/XX/2018 as I need to use my full 12 months. I received a message that I needed to send a {$50.00} payment in order to have the forbearance applied. While I find this unreasonable and very difficult to manage, I still emptied my bank account to send this payment. Navient cashed the payment on XX/XX/18 but then sent me a notice on XX/XX/18 that my forbearance was denied because they " did not receive my payment. Not only has the check cleared my account, but Navient has posted the payment to my private loan in question. The payment was postd to my account days before the denial was sent. In contacting them again, I was told to call, which I believe is an intentional tactic to avoid having anything in writing, which they could be held to or used as proof to support any action against them. I can not call due to my work schedule, and even if I could, I do not trust the company to honor anything said given the long history of deception and dishonesty from this company. I believe this is an intentional deception to force extra payments on this account. This has been an ongoing problem with Navient and they consistently refuse to apply deferments and forbearance as agreed.
Company Response: Closed with explanation
2018-11-08
GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: My student loans with Navient were never in bankruptcy you cant file in student loans. My loans were forgiven due to me becoming totally XXXX and XXXX XXXX in XX/XX/2007.
Company Response: Closed with explanation
2018-11-08
Houston, TX
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
2018-11-08
Columbus, OH
Communication tactics
Debt collection: Private student loan debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2018-11-08
Una, SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Credit Reporting Bureau Under the Fair Credit Reporting Act The information contained within my credit report can nto eb accessed without my express written consent. I am seeing hard credit hits from the dollowing comapnys, please be advised that this si a violation of possible federal or privacy laws and I am demanding that you remove this information immediately.
All of these individuals have already been contacted once and I have contacted your organization on ultiple occasions in reference to the accuracy of the report that I had never asked you to publisha dn I never asked to be a participant in your systems.
I am offering you one final opportunity to remove these items and if this is not done within 15 days a lawsuit will be initiated.
In addition the specific references to the student loans must immediately be removed as they are under dispute. Your organization is REQUIRED to INVESTIGATE the contents that are reported onto a credit reported, once again it is obvious that this has not happened because you have been delivered ifnromation in reference to the fact that several tens of thousands of dollars of the student loans have been discharged iun bankruptacy. I have been patient and professional and your organization has continually ignored this informationa dn reporte the nature and amount of the student loans. The ifnroamton that is being published is inaccurate even after it was removed at least once. To place ifnromatin back onto a credit eport after it was removed is absolutely an issue.
You are hearby ordered to remove the enclosed inquires as I have no information nor do I believe these matters to be valid. In addition I am ordering you to immediately and forever remove the mentions of any student loans.
Sincerely, XXXX XXXX XXXX XXXX Distribution List : XXXX/ XXXX Iquiry Date Removal Date XX/XX/XXXX XX/XX/XXXX Busienss Type : All Banks Non Specific Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX XXXX Inquiry Name : XXXX Inquiary Date XX/XX/XXXX. XXXX RemovalXX/XX/XXXX This is an item that is for XXXX XXXX XXXX XXXX, XXXX. so this should show up on their XXXX and XXXX not on my personal Credit Account.
XXXX XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX. XXXX XXXX XXXX OR XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks Non Specific XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX REMOVAL DATE XX/XX/XXXX AUTO RESELLER XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX AUTOMOTIVE XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Here 's the problem with my credit bureaus they have completely ignored the fact that the Student Loans thata re reported are discharged by FEDERAL COURT ORDER and there is a FEDERAL INJUNCTION AGAINST COLLECTION on the loans by the CFRB
Company Response: Closed with explanation
2018-11-08
OH
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: In XXXX I had XXXX and had to have a full XXXX. I was not able to work so I enrolled in college. In XXXX I took out a loan for {$1500.00} to cover the expense of college. After about six months I was not able to continue with my classes due to complications from the XXXX, so I dis-enrolled. I picked up small, odd jobs to try to pay the loan back. My physical complications progressed and got worse so I was not able to hold a job for many years. I have paid a significant amount of money on the loan throughout the years. They have transferred my loan to multiple companies many times, and each transfer I am expected to pay an absurd transfer fee. I am now a low income, XXXX year old on Social Security. Once I pay my bills I do not have enough money to provide for the special diet my doctor requires me to be on. Even after 36 years, and years of wage garnishment, I am expected to pay back {$10000.00}.
Company Response: Closed with explanation
2018-11-08
Memphis, TN
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I've tried to do An income based loan with Navinet, which apparently was denied. Also, I have faxed and mailed in several hardship loan discharge forms to have loans removed/waived for student loan forgiveness, which according to Navinet, customer service representatives, they've never received. I have been trying for years, since my university closed ( XXXX University ) and left me with a slew of unpaid college debt, repeatedly to have some of my loans discharges, but the only situations, Navinet continues to offer is a forbearance or deferment. Which, is only causing interest on top of interest. I still don't have a XXXX XXXX XXXX, which before my university closed it's doors, I was 5 classes away from graduating. I have developed a lot of medical problems and bills, XXXX and XXXX is just the icing on the cake, stressing over how to pay my student loan debt. Now, I have two teenage sons, ages XXXX and XXXX, that I am preparing for college, which is causing more stress.
Company Response: Closed with explanation
2018-11-08
Sacramento, CA
False statements or representation
Debt collection: I do not know
Impersonated attorney, law enforcement, or government official
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-08
Warren, RI
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: The XXXX XXXX was started XX/XX/XXXX for {$10000.00}. It has been sold at least twice. I and my co-signer have paid in {$9200.00}. I went into bankruptcy from XX/XX/XXXX to XX/XX/XXXX.
The loan is now with Navient.. This is a private loan. Navient has accrued the interest during bankruptcy and applied {$640.00} from the bankruptcy administrator toward interest while the court shows principal payments.
This XX/XX/XXXX ( XX/XX/XXXX ) Navient advised me to take a forbearance and capitalized interest and fees and I paid them {$50.00} to do this. The terms were to start payments XX/XX/XXXX. This agreement was taped., now they say that I missed XX/XX/XXXX and they say I owe an XX/XX/XXXX payment plus a late fee.
This loan has been handled this way throughout, selling the loan, advising forbearance and capitalizing interest.
To sum up, after 13 years, paying in {$9200.00}, and a bankruptcy the PRINCIPAL IS {$10000.00} OR {$440.00} LESS THAN THE ORIGINAL PROCEEDS.
Company Response: Closed with non-monetary relief
2018-11-07
Crown Point, IN
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Company Response: Closed with explanation
2018-11-07
Sacramento, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with explanation
2018-11-07
Atlanta, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: During a phone call in early XX/XX/2018, the representative I had a lengthy conversation with, provided unclear information about how to re-enroll in income-driven repayment plans and partial loan forgiveness program. They told me that once I made 16 payments, I could qualify for forbearance and later loan forgiveness. None of it made sense then or now.
Company Response: Closed with explanation
2018-11-07
Nashville, TN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-11-07
IA
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: On XX/XX/2018 about XXXX XXXX my mother who is the co-signer on the loan contacted Navient and paid part of what was due. At that time the customer service agent told her that the loan would be brought to current and the next payment would not be due until XX/XX/XXXX. Since that time I have gotten 19 harassing phone calls and counting telling me that my loan is past due. I called yesterday ( XX/XX/18 ) at XXXX to ask why I was still being called, to which the customer service person told me that there was a note on the file and it was the case that the loan was brought to current but took some time to reflect that as it was paid on a Friday. I'm not sure what day it was paid on has to do with anything or why they can't see the note on file. After talking with them my mother and I have both received emails today ( XX/XX/18 ) saying the the loan is past due and to contact them immediately. I had previously received an email that said that my contact information may be outdated and to contact them, which was another ploy. My mother and I both feel we are being harassed about an issue that they have said was taken care of.
Company Response: Closed with explanation
2018-11-07
Patterson, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have been on the Revised Pay As You Earn plan with Navient for two years. For that entire time my monthly payments have not been enough to cover the monthly interest. My payments have never been applied to the principal and my accrued interest ( and total balance ) keep increasing.
I was never made aware of the subsidy that is supposed to be automatically applied to help in this situation and just happened to come across information about when trying to figure what to do about my loans.
I contacted Navient to try to understand what is going on, but their responses have just been to explain the subsidy, and they have not tried to look into or explain my specific situation.
Company Response: Closed with explanation