Navient Solutions, LLC.

2018-11-07

Cape Coral, FL

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-11-07

San Gabriel, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-11-07

Miami, FL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: Today XX/XX/2018 XXXX I logged in to Navient to see a snapshot of my loans in deferment status. To my surprise I saw a loan that was past due XX/XX/2018 and possibly charged a late fee. I was unaware of this loan under Navient and to my knowledge this I wa not delinquent on any loans. Also some financial apps that I belong to such as XXXX gave a message that my loan was past due and I became concerned today. I called Navient and wanted to find out why was I past due now and nobody informed me, what were the details of this loan, why it was not past due before and no alerts, and why was it in collection status missing so many payments and accruing interest at a rate of 6 %. This loan was past due 210 days I was informed with a current balance of {$20000.00} according to Navient rep XXXX id # XXXX. I tried to get more details but she was not able to provide them. She told me this loan was in collections and past due and that my credit could be ruined if no payment was made. Also she told me this loan could go into default and delinquent. I informed XXXX that I am a XXXX veteran and that under federal law I am protected under certain circumstances. I might need to contact an attorney if I have to to know if my rights have been violated as a XXXX Veteran. Last time I was in touch with Navient was in XX/XX/2018 when they approved my Income-Driven Repayment Plan for my federal loans. Nobody told me about this loan was on file and on collections as far as I can remember. I have included copies of my student loans I printed from Navient. When I called nobody could give a straight answer but they kept me switching from one rep to another starting with XXXX id # XXXX, XXXX id # XXXX and XXXX id # XXXX. But after talking to XXXX last rep I am still confused and don't know what is going to happen with this loan, my credit history, and I am not sure if my rights as a XXXX Veteran have been violated. I need the help of CFPB and advice on this issue and what to do. Thank you. Also I don't want Navient that by me contacting them was a reason to restart the collection process and see it as a " negotiation '' call. XXXX the rep I was talking to was pushing me to make a payment but I refused since I did not know what loan she was talking about.
Company Response: Closed with explanation

Timely Response

2018-11-07

Magnolia, TX

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 about my student loan debt. I learned about a lawsuit against XXXX for fraudulent and misleading practices. The Navient representative told me they would investigate my claim, and suggested putting my loans in forbearance. I called Navient multiple times between XX/XX/XXXX and XX/XX/XXXX checking the status of my claim. The representatives would always tell me the investigation is under review. I would be reminded that the loans are in forbearance and the interest will continue. On XX/XX/XXXX, I spoke to XXXX XXXX a representative of Navient, she told me they were still investigating my claim. I asked how long does this investigation take, it has been 22 months? She said she did not have any other information to provide, and referred me to another department titled " Defense Repayment '' XXXX. I spoke to XXXX, she advised me the claim is under review, and the loans would remain in forbearance until XX/XX/XXXX. I asked her how long does this investigation take, she could not provide any additional information. I asked about the interest on the loans growing, she said the loans were still in forbearance where they continue to accrue interest, until a final decision is made. She did confirm the date I filed the claim was XX/XX/XXXX. I went online to see if there were any similar complaints against Navient, and found a lawsuit ( Illinois Attorney General XXXX XXXX ) against Navient for misleading practices. Navient claims they have been investigating my claim against XXXX for fraudulent and misleading practices, and now they are defrauding me. Navient will not give me any information about the investigation. They only tell me my student loans will remain in forbearance, and continue to gain interest.
Company Response: Closed with explanation

Timely Response

2018-11-07

Washington, DC

Communication tactics

Debt collection: Private student loan debt

You told them to stop contacting you, but they keep trying
Complaint: On XX/XX/XXXX and XXXX I received calls from Navient to my business line. I returned the call on XX/XX/XXXX and realized It was Navient 's attempt to collect a debt. While I do have student loans with Navient they are being paid and not in default. I was previously contacted on my business line on XX/XX/XXXX about the debt. I went through the prompts and the woman realized that they had called the wrong person. I asked her to not call my business line again and she obliged. So when I got the call in XXXX I was surprised. When I spoke to the woman I immediately said, I asked you not to call this line. She immediately went on the attack and threatened to sue me ; I explained to her that I'm not even who she was looking for. Again, she used very abusive language but when she went through all the identifying information, she realized ( as I tried to tell her ) it wasn't me she was looking for and then she hung up. I called Navient customer service to complain and ask that my business line not be called. Apparently they have no real process for this and could not identify who to call. They said call the person who initially contacted you. It was a direct dial to that person so I'm supposed to complain directly to the person that's the issue? I was told to leave a message asking for a manager to call me back. I've been calling for a week with no answer and no response. I want them to 1 ) not call my business line 2 ) stop calling me about a debt that's not mine 2 ) be fined for continuing to call a number I asked them not to. The person at issue is XXXX XXXX or XXXX her direct dial is XXXX. I spoke to her the morning of XX/XX/2018 around XXXX.
Company Response: Closed with explanation

Timely Response

2018-11-07

Hinkley, CA

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: Today XX/XX/XXXX I recieved a call from XXXX XXXX. I explained I had previously asked to have a billing statement to show my correct balance remaining since I am under the impression my loan balance has not reduced and had stayed at XXXX for a few years now. The individual on the phone just demanded I pay and did not want to provide a itemized statement as i requested. I provided my email address and confirmed my home address. He said the statement had been sent and I had not recieved a current statement only letters of collection. Called navient customer service around XXXX XXXX XX/XX/2018. Was informed my email address was changed from XXXX to XXXX in XX/XX/XXXX. I also tried before the call to retrieve my user name and password and received the message stating that navient did not have me on file. Pic attached. I had even tried to re register and no information was found regarding my information.
Company Response: Closed with explanation

Timely Response

2018-11-07

Detroit, MI

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: On XX/XX/2018, I was notified of an auto payment to Navient being processed. This is an option that I selected to be enrolled for over a year. With this feature, I've had consistent payments for the life of the loan. The issue I am experiencing is an overcharge. They state that I manually set it to make a payment in addition to my monthly payment. The set auto pay amount is monthly repayments of {$50.00}. The overcharge was {$130.00}. I've called Navient and they have recommended I stop the transaction with my bank to remedy the situation since a refund may take 2.5- 3 weeks to process. I called my bank and they mentioned that I will have to pay a {$30.00} processing fee in order to stop a transaction. With this in mind, I am filing this complaint that Navient is making unauthorized transactions without my consent. They are overcharging me {$130.00} + Auto pay {$50.00} with a total of {$180.00} this month. I do not have any issues with the auto payment of {$50.00}. But it is not acceptable for them to state that I manually scheduled a payment of {$130.00} in addition with my auto-payment.
Company Response: Closed with explanation

Timely Response

2018-11-07

Nyc, NY

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: Navient continues to call me and my cosigner to pay the loan they claim is past due, even after it has been paid. I submitted the payment online and they do not check the system before calling. The agent tells me the system is automated. Navient calls and harasses me and my cosigner to make a payment. They are relentless and will not stop even when asked.
Company Response: Closed with explanation

Timely Response

2018-11-07

DE

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: The payment allocation system was well-balanced and effective, in my case. I mailed a monthly payment of {$75.00} which was 50 % higher than the {$49.00}, a previous minimum payment that appeared on several loan statements. This paid the monthly interest charges and an amount to the principal of each of my remaining three student loan amounts. However, Navient chose to make changes to their payment allocations that directly affected my account approximately XX/XX/XXXX. Now, even after making an adjustment by phone, my payment allocations are being applied in such a way that I am slowly accruing interest and principal on a subsidized account that has not received proper payment allocation since Navients XX/XX/XXXX changes. Subsequently, my statements now show a past due amount reflecting the exact balance increase of subsidized loan. Does this effect my credit, and if so, how? I requested this credit information in writing by phone with customer service agent XXXX on XX/XX/XXXX. He informed me I am twelve days past due even though they processed my payment of {$75.00} on XX/XX/XXXX. XXXX also informed me that I was reported to the credit bureaus two and a half years ago for being 90 days past due, which is impossible given that I have made monthly payments since the end of XXXX, approximately four years ago, which was before my repayment status began. I requested in writing all pertinent documents to this previous false delinquency report to the credit bureaus. Each loan statement provided by Navient includes an additional one sided page that reads, first to Unpaid Fees, then to Unpaid Interest, and then to Unpaid Principal. This is how they explain payment allocation in writing but in a previous customer service call in XX/XX/XXXX, I was told essentially the old payment allocation is no longer available. Even though the above quote is how they continue to explain allocation in print with each monthly statement, Navient still chose to make changes to my payment allocation, without my consent. Their changes were also without formal notice or explanation of options. I once took advantage of their instructions to include on a separate piece of paper included with your check the directions of how to apply a larger than usual overpayment. I still had to end up calling their customer service to reallocate the payment because they ignored the directions I gave on separate paper directly provided per their printed instructions. The loan statements provided by Navient are unnecessarily confusing with, at times, contradictory due dates. On my most recent loan statement, there is an amount and due date in the upper right corner, ( i.e. {$38.00} due XX/XX/XXXX ). There is a past due amount and pay by date to avoid late fees ( i.e. {$19.00}, XX/XX/XXXX ), which given mail times of their statement and how quickly they receive and process mailed payments, it is impossible to mail a payment and avoid a late fee upon receiving a printed monthly statement. It is further confusing because my last payment was not applied to the past due amount at all and the late fee to be assessed is {$0.00}. It is no wonder that a cursory internet search for Navient complaints shows several on-going lawsuits filed against Navient. Given I have good credit and I make above my minimum payments regularly, my student loan account is and should remain in good standing. I can only imagine what the needless stress and avoidable financial penalties are like for the myriad of other United States citizens that are struggling to make only their minimum payments.
Company Response: Closed with explanation

Timely Response

2018-11-07

Spring Hill, FL

Getting a loan

Student loan: Private student loan

Confusing or misleading advertising
Complaint: I received an advertising in the mail regarding a XXXX XXXX XXXX in XX/XX/XXXX. I called the phone number listed on the advertising and after answering a few questions, I was told I needed to enroll in school as quickly as possible. A few days later, I received call advising me that I was pre-approved for {$20000.00} and since I have a son in school that qualifies me for the loan and they could have proceeded without me been matriculated in school. I was also told that I would need a co-signer. I was excited to go back to school. With no knowledge at the time, I immediately called my dad who agreed to co-sign for the loan. The loan was approved and I started school XX/XX/XXXX. In XX/XX/XXXX, my father was diagnosed with XXXX and I fell behind on my loan. I started to receive phone calls regarding past due balances as so was my dad and son. After a bit of research, I realized that what the representative failed to disclose was that my son was actually listed as the student and not me. I was listed as the borrower, my son as a student borrower and my dad as the co-borrower. I notified the lender that was incorrect that my son was not the student and should have never been on the loan, but they ignored me. I tried several times to get this corrected but to no avail. I struggled throughout the years to maintain the loan, but with my dad 's serious health condition it was difficult. In XX/XX/XXXX my dad passed away and I became unemployed. After his passing, I received documents requesting full payment for the loan from my father 's estate. When I questioned the demand for full payment, I was advised that was one of the condition of the loan and this was included in the promissory note. Sadly, I had never receive a promissory note and no one had told me that either. The phone calls continued and both my son and I have been consistently reported to the credit bureau. Recently, I was connected with the Office of Customer Advocate and I was provided with my payment history and an ineligible/fainted copy of signed documents. Along with a few pages of what is supposed to be the promissory note that I should have had. I am in communication with a third party agent who is requesting full payment from my father 's estate and my son and I are receiving several calls daily from the lender.
Company Response: Closed with explanation

Timely Response

2018-11-07

Washington, DC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Over the last few years Navient has added tens of thousands of dollars in fees to my student loan and repeatedly refuse to provide me with an accounting of said fees. As well, they recently erroneously reported to the credit bureaus that I ADDED to the balance of the loan despite the fact that I have not missed a payment and that it is currently deferred until XX/XX/XXXX. They refuse to discuss my balance or the fees and refuse to prove to me where they came from. In addition they have refused to work with me at all on the balance or extra fees even going as far as to refuse a larger monthly payment at one point saying that the loan had to be repaid by the schedule agreed upon. They have no proof I agreed to that.
Company Response: Closed with explanation

Timely Response

2018-11-07

NY

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Complaint: XX/XX/XXXX - XXXX XXXX XXXX has just acquired my defaulted federal student loan debt from the previous company, Navient, and on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX sends a letter, stating that my total current balance is {$6800.00}. This has been broken down on the back of the letter as follows : {$5600.00} Principal Balance, {$1.00} Interest ( which is the daily amount of interest that accrues on my principal balance ), and {$1200.00} in Collection charges. The collection charges are astronomical. Added all together, we get a total of {$6800.00}. So far, so good. XX/XX/XXXX - I receive another letter from XXXX XXXX XXXX, informing me that an " adjustment '' of {$1300.00} has been made to my account ( this is my garnished XX/XX/XXXX New York State tax refund ). However, in this letter, my " Previous Balance '' is stated as {$8200.00}. This is a difference of {$1300.00}. My interest accrues at a rate of {$1.00} a day. The difference in time between the first letter and the second letter is 26 days, meaning that the interest accrued should have amounted to {$27.00}, making my balance at that time {$6800.00}, which would still include the ridiculous collection charge. No where on the letter is there an explanation of where this {$8200.00} number comes from. They claim on this letter that I now owe {$6900.00}, after the garnished tax refund is applied to my account. This balance is higher than it was a month ago, before they took {$1300.00} from my New York State tax refund. Clearly this is wrong. I called and submitted a dispute on or about XX/XX/XXXX regarding this amount, but have received no communication from XXXX except receiving another statement in the mail a week later with the incorrect balance owed. In a letter dated XX/XX/XXXX, they claim that I owe {$7100.00}. I am trying my best to settle my debt, but after faxing over 40 pages of requested statements, detailed letters of explanation, and itemized expense documentation to XXXX and also scanning and emailing all requested information both to XXXX and XXXX XXXX XXXX, I have no word from either of them as to whether or not I can settle my debt. I went to great pains to get a bank loan ( a friend with good credit agreed to co-sign to help me get out of debt ), and am ready and willing to pay WHAT I OWE. NOT what I DO NOT OWE!!! Ironically, I have recently settled a debt with the US Dept of Education ( another defaulted student loan ), who referred my account to XXXX XXXX. The settlement process took one phone call and an hour of waiting before XXXX accepted my offer and processed my payment over the phone. XXXX XXXX is a collection company that I can actually trust. XXXX XXXX XXXX, however, is clearly run by criminals. I get no straight answers from them, their accounting is totally opaque ( they have yet to provide me with any explanation as to why I was overcharged, though I have asked them repeatedly to send me a detailed accounting history ), and they continue to insist that I owe more than I do, despite my informing them by phone, email, and fax that they have overcharged me, and demanding that they agree to my very fair and reasonable settlement offer of principal balance plus accrued interest, minus the {$1300.00} I have already paid toward my debt. It boggles my mind how difficult and exhausting this process has proven to be. In addition, XXXX XXXX XXXX has made a habit out of calling me multiple times a day, from numerous phone numbers, as well as calling my friends and family, to harass and intimidate me. The phone calls are especially disruptive during work and late at night. Their criminal activity has caused me undue emotional distress, and cost me countless hours of precious time as I struggle to fight their unjust practices and demand a fair settlement to get this debt taken care of once and for all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-07

Phoenix, AZ

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: I have Parent Plus loans for my daughter, who is still attending school at XXXX. After she enrolled for summer semester in XXXX, Navient didn't put the Parent Plus accounts in deferred status, even though her own loans with Navient went to deferment. I have a payment plan set up for my own loans, which I was paying the specific amount as agreed to in the loans and had been sending a note delegating how the accounts were to be paid with each automatic-electronic payment. After many calls and forwarding enrollment info since mid-XXXX, Navient would not defer the Parent Plus loans, even though I sent proof that the student was enrolled. The school was also contacted with this information to send to Navient, and showed the student 's own loans were in deferment with Navient. During the next 4 months, Navient automatically applied the payments I made to my separate loans due for a specific amount to the interest due on the Plus loans, even though I sent memos delegating payment, putting my loans in " late payment '' status. They had actually been doing this for about a year, even when the Parent Plus loans were in deferment and nothing was due, that's why I had been sending the memos delegating payment. After 7 months of having to call customer service and have my payments redirected to the loans that were actually due as agreed on through Navient, no one could give me a reason why money sent was not going to loans in repayment and instead were applied to INTEREST of loans not due. It took me nearly a year to be able to set up an income-based repayment for specific those amounts due and since XXXX, I have instead been specifically going on-line to Navient, com every month to make custom payments as to ensure my payment was going to the loan as specifically intended and set-up by Navient. If you set up automatic payments from your bank on-line with Navient directly, money is pulled from your account and applied at Navient 's discretion, at any time. I fought with Navient for about 4 months about the Parent Plus Loans not being in deferment, but nothing was done by Navient and now they will not remove this from my credit, which will now keep me from being able to consolidate these loans after the next tax season. I have made formal complaints to Navient directly over the past 4 years about their ongoing deception. I have made complaints to credit agencies, FSA and even contacted the XXXX about Navient 's unethical practices with no help. I have had NO problems credit or payment-wise with any other company except this one. I make payments in full up-front when offered, almost automatically- electronically through my bank and on time-every time. My credit proves that.
Company Response: Closed with explanation

Timely Response

2018-11-07

Boston, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have about 12 student loans because my daughters and I were in school together. So I also have Parent Plus Loans. We all graduated and we are either in deferrment or are actively paying the loans back. My oldest went to XXXX XXXX in XXXX, MA and my middle daughter went to XXXX XXXX XXXX and then XXXX XXXX. I went to XXXX XXXX XXXX I was in EBR with Navient last year, not including the Parent Plus loans. This year recertification has to be completed I believe by XX/XX/2018. I called Navient to say I did not want this upcoming EBR to be based on my last year 's XXXX tax return as I was 1 ) working at the time and 2 ) inherited my parents ' estate.This year I worked intermittently and am now on Unemployment. I have annuities ' income from my parents ' estate which I reported to Navient a month ago, along with several other incomes including Social Security. I was advised by Navient representative if I didn't want to use the XXXX, I am to USPS mail the EBR application and send in all proof of income documents with it. This I did a month ago. Since then Navient has handled the information with lies, inaccurate feedback, withholding of information and just generally trying to make me fail the deadline. I have repeatedly responded with everything they've asked for with the exception of the XXXX, which they want but which I was told I do not have to submit. I keep uploading onto my Navient account inbox response letters and any additional documentation for which they've asked, with the exception of my response to the " requirement for gross income '' letter. The Navient Advocacy Dept. recited it to me on XX/XX/XXXX. It was dated XX/XX/XXXX but was never sent to me. Nevertheless, I sent to them proof of all gross income for everything I reported to them. They have it as of this writing. My income this year is much lower and I am a XXXX citizen with a XXXX adult son so I am trying to hold onto as much money as I can. I have done and submitted everything Navient has required but more than once I have received back a letter stating my loans are not eligible for EBR because they are Parent Plus Loans ... four of them are but nine of them are not! As well, when I requested EBR a year ago, I was told by Navient representative it had been passed to the Dept. of Education and sat unprocessed when in fact it was at Navient and sat unprocessed. I spent months listening to Navient 's lies to me so it could deflect my legitimate request. Finally it was processed but it was as difficult if not more so last year. I have sent Navient about 40 documents so I attached only one of my complaint letters, below.
Company Response: Closed with explanation

Timely Response

2018-11-07

West Brandywine, PA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I have a student loans with navient dating back to XX/XX/XXXX-XX/XX/XXXX. thru most of the earlier years, I signed up for forbearance but around XX/XX/XXXX, i got act together and they put me on a payment arrangement based on income. Each year, my payments went up but still affordable until about XX/XX/XXXX or XX/XX/XXXX. On a sunny XXXX day, I log into my bank account to see that over {$900.00} was withdrawn from my account. My normal payments were approx $ XXXX/month. I called Navient and asked why and how to i get the money returned because I can't afford $ 900+/month. At this time, they said my only option was to pay the $ XXXX/month or go into forbearance AGAIN. I said that makes no sense, I'm telling you I can afford $ 300-ish per month and you will not work with me. So i took the forbearance for a few months to only get notified that I my payments would be greater than $ 900/month now due to the forbearance. Fast forward to today, and my loans are no with collection agencies. I'm working to clear up my credit and was simply going to pay off the loan - approx $ 12K, in full until I heard about the lawsuit against the company for misguiding borrowers. Now I don't know what to do. Do I qualify to be a part of the lawsuit? I am not a teacher or public servant. If i do quality, should I pay off the loan now OR do i wait?
Company Response: Closed with explanation

Timely Response

2018-11-06

Ada, OK

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

2018-11-06

Honaunau, HI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-06

Belville, NC

Struggling to repay your loan

Student loan: Federal student loan servicing

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

Timely Response

2018-11-06

Greenwood, WA

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2018-11-06

Blountsville, IN

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I work at a XXXX XXXX and have been planning my life, essentially, around being able to discharge my loans after 10 years of consecutive repayments to NAVIENT. I have only Federal Direct Loans. My loan payment is enormous -- {$530.00} a month for a single mother of XXXX. However they only calculate the loan based on income. When I went to apply for public service loan forgiveness, I was told -- for the first time -- that I did not qualify because I wasn't doing " income-based repayment, '' a form of repayment that would nearly double my monthly payments. I can barely make my monthly payments as it is. No one said ANYTHING about having to be on income-based repayment when I was told I could get loan forgiveness for working at a XXXX XXXX 11 years ago. I believe I have been a victim of fraud.
Company Response: Closed with explanation

Timely Response

2018-11-06

IL

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: Navient has harassed me and my co-signer over XXXX situations over and over for years and every time I figure out its an issue from their end and call them out on it they stop harassing for a bit. Now most recently they havent even been reaching out to me, the borrower, instead they just reach out to my co-signer without any attempts of reaching out to me, claiming that my account is past due but in reality it is not and when I call and give them payment confirmation numbers they claim that their system takes a long time to update. Yet they have already taken the money out of my account! This is harassment and they tack on unnecessary fees that dont have any explanation. They need to investigated bc they truly have nothing but Horrible intentions towards their borrowers and all they do is lie and try to steal more money! How does it make sense to never contact the borrower yet harass the co-signer? They have all of my contact information! My account is always up to date but bc of their slow system they claim its past due until I give them confirmation numbers. They have also marked my credit report and Ive attempted to dispute it several times
Company Response: Closed with explanation

Timely Response

2018-11-06

Glendale, CO

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

2018-11-06

Longview, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response

2018-11-06

Akron, OH

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

2018-11-06

Bronx, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have a loan I didn't take out from XXXX XXXX XXXX. Please put a fraud alert on this account, my FAFSA stated someone took out a loan of {$550.00} please delete that from your database or investigate. I never authorized that school for anything. I never went there at all.
Company Response: Closed with explanation

Timely Response