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 178
2018-11-01
New Orleans, LA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Complaint: My student loans are in default so I was sent the paperwork for the company to garnish my earnings. I responded to the letter with the claim that garnishing my earnings would cause undue financial hardship, I submitted my last 2 current check stubs ( {$810.00} & $ XXXX= {$1600.00} ) along with bills. Information that was not pertinent to determining my earnings ( my pay rate, employee ID # ) as well as my account # for my bills, VIN # for my cars were also blacked out this is something that I have done with previous hearings. I received a letter from the hearing officer stating my claim was denied because I put N/A for questions like spouse income when I clearly stated that I am SINGLE so a spouses income does not pertain to me, I also stated household total as 1 which is ONLY me so there was no other income to report. It also stated that I submitted something that appeared to be a car not payment form, the form clearly shows the make and model of the car along with the bank that I make payments to and the amount of the payment which is {$510.00} the only thing blacked out was my VIN # & account # both things that weren't relevant to what the bill was as well as the payment that is due monthly. I sent a copy of the front page of my lease agreement that states what my rent is monthly ( {$600.00} ) but the officer stated that it was a unsigned lease agreement, the page with our signatures DO NOT show what I pay a month so I did not include that page. I also included what I pay a month in car insurance for my vehicles ( {$160.00}, {$330.00} ) and the officers response was a sense of confusion like they had no idea why I was paying insurance for my vehicles and to date I have had to cancel the insurance on one of my vehicles because of the wage garnishment I could no longer afford it. I sent my electric bill which was over {$200.00} because it was doubled, my cell phone bill which is {$330.00}, cable bill {$230.00}, renters insurance {$25.00}, groceries/food {$200.00}, personal/clothing items/cleaning items were about {$130.00}. Even without adding all of my bills and only totaling my rent ( {$600.00} ), car note ( {$510.00} ), car insurance ( $ XXXX+ {$160.00} ), electric bill ( {$100.00} ) & household/food/clothing ( {$300.00} which is below the IRS standard of living for XXXX person which is {$630.00} a month ) which totals over {$1900.00} that my monthly income of {$1600.00} which is not guaranteed it is based off of a client showing up for XXXX XXXX & if not I get sent home that I COULD NOT AFFORD garnishment of my earnings and that it would cause undue financial hardship. My most recent check was only {$510.00} because the garnishment which totaled {$91.00} so I was unable to pay my car note of {$510.00} and had to get an extension with is going to cost me and extra {$98.00} so my note is now {$610.00} on top of having to pay {$650.00} for my rent! This garnishment has put me in a extremely bad financial position, I am in jeopardy of losing my car without an out since I could no longer afford the car insurance on my car that is paid for, nor can I buy a battery or tire for it because I have no extra money, all my bills are double and with my rent increase I may not be able to afford that as well something will have to go and then I won't be able to hold on to y job because I won't have a car. This happened because someone was more worried about vin # 's and account numbers being blacked out rather than my earnings & total of my bills!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-10-31
Portland, OR
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
2018-10-31
Hartsville, PA
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Company Response: Closed with explanation
2018-10-31
Library, PA
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
2018-10-31
Foothill Ranch, CA
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: In XXXX, I co-signed for a loan for my mother. I signed once, however, I believe multiple disbursements and loans were taken out without my consent. Additionally, the interest rate for this loan is variable and currently sits at 14.75 %. I was NOT informed of the interest rate, or that it would be variable when I signed as a co-signer. Navient has provided misinformation about how I can get off the loan and refuses to lower the interest rate to a reasonable rate and lower the payment. The loan amount has more than doubled since XXXX, even though the loan is being paid. I spoke to Navient today ( XX/XX/XXXX ) and they still continue to deny our request for a lower interest rate ( from 14.75 % ) and they refuse to lower the payment ( currently over $ XXXX/month ). We need help!
Company Response: Closed with explanation
2018-10-31
Oxford, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I was contacted by XXXX XXXX XXXX stating that I owe a student loan debt. They have no paperwork as to how they arrived at this astronomical sum. I requested paper work and they said they would send it. They did not and proceeded to garnish my wages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-10-31
Sm, KS
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-10-31
Metairie, LA
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
2018-10-31
New Bedford, MA
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: hello, I have been working with Navient on a lower payment plan. This is now my second time dealing with this same issue which was actually handled by CFPB last year. I spoke with a woman named XXXX at XXXX ( ext : XXXX ) on XX/XX/18 and we discussed numerous financial struggles I am currently facing. They had me set up on a rate reduction plan originally for $ XXXX/month which with debt/income ratio, it was putting me negative every month. At the time, the IRS depleted my bank account, my finance left me, and my co-signer passed away. On top of all of that, my parents went homeless. She was able to set up a lower plan. I have three loans : loan # XXXX, XXXX, XXXX. For # XXXX, we set up a forbearance ( {$50.00} ) until the end of XX/XX/XXXX ( confirmation # XXXX ) and for loan # XXXX & # XXXX, she set up a monthly payment for {$220.00} ( XX/XX/XXXX-XX/XX/XXXX) with a payment of {$78.00} what would be deducted for the month of XXXX XXXX. ( confirmation # XXXX ). This was a plan that I could work with. As of today, I received a phone call stating that said my program was not set up right, there was an error, it was not done right .... and I had no option but to pay another {$100.00} a month. A supervisor ( XXXX ) I believe her name was XXXX or close to that ( we spoke at XXXX ) said that XXXX set up the program wrong and that there was nothing else they could do. She quoted, " oh, XXXX did not set this up right ''. If a company makes a mistake, isn't it on them to try to make the customer comfortable not try and blame the problem on the customer?? Ironically, when asked to speak with XXXX, I was told " she no longer works for this dept ''. I am getting frustrated because every time I set up a rate reduction plan with this company something happens on their end and some how it's on me to come up with the difference. I need help because I can't afford to go negative again or destroy my credit because of ONE more mistake that they made on their end. I just don't understand why I have to pay more for a mistake that way made on their end. I don't feel valued with this company and I feel like they don't respect or care about their customers. Please help me.
Company Response: Closed with explanation
2018-10-31
Main Office, VA
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: As per CFPB # XXXX - This is the REQUESTED UPDATED information XXXX is listing a number of student loans under the same Account #. XXXX, with an open date as of XX/XX/XXXX BY by Navient Solutions , Inc, <br/> XXXX is listing a number of student loans under the same Account # XXXX with open dates as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX <br/> ALL OF THE above accounts are " incomplete '' without BALANCES, CREDIT LIMITS and with " UNKNOWN STATUSES '' <br/> I suspect that they are duplicates that need to be DELETED or UPDATED with Balances, Credit Limits, and Current Status. It is unacceptable for a Credit Reporting Agency ( CRA Furnisher ) to have as a " status '' UNKNOWN when it is their duty to have one.
XXXX is listing a student loan under Account # XXXX with an open date of XX/XX/XXXX BY XXXX/NAVIENT.
Company Response: Closed with explanation
2018-10-31
Carpentersville, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2018-10-31
Sumter, SC
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Closed with explanation
2018-10-31
AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: When I first applied for Federal student loans they were through the US Department of education and one year they suddenly transferred my loans to Navient who later on transferred my loans to XXXX XXXX. The department of Education reported my loans being on the Public Service Loan forgiveness repayment plan, but when I was transferred to Navient they told me I qualified for public service loan forgiveness but my repayment plan was income based and after 10 years my debt would be forgiven if all payments were made on time every month. My payments would change from time to time and at times be very high as much as I paid for my home a month. I would call and talk to them about the different payment options and different employees would give me different information every time I called. One person said I did not qualify for loan forgiveness, one person said I did, one person said I was never on that forgiveness program, and one person would say how many years I have been in the program. It was very conflicting, I never know what to believe, and feel like in the end I am going to have paid back more than I had to or I have been struggling financially with high payments when I could have been paying lower payments. I have also went through the same situations at XXXX XXXX, Since then, I have had several loan management companies call me and tell me that I should not be paying anything or next to nothing. They tell me I am being taken advantage of and at the end of my 10years of repayment I will be denied forgiveness due to how my loan company goes about handling loans so that they can get more money back. No one in the loan companies told me that I had to refile for income based repayment every year using my tax information until last year. So I know for a fact that for a few years I have been overpaying on my loans when it comes to monthly payments all because they didn't tell me I had to re-apply every year. And another thing, is that I have been shuffled through the system with everything out of my control with my loans being passed off from the US department of Education to Navient and then to XXXX XXXX. Its ridiculous! I should have been able to take my loans out with one company and stay with that company through repayment and be given consistent information throughout. It is so easy for student loan companies to take advantage of people, because all we know is that we have to pay what they tell us to until our debt is paid in full or its forgiven. Please investigate for me and help as much as you can.
Company Response: Closed with explanation
2018-10-31
Occoquan, VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir/ Madame My name is XXXX XXXX , I am writing in regards to Navient/ XXXX XXXX XXXX from whom Ive been trying to obtain the original signed promissory notes/ loan documents for student loans I supposedly signed for.
After finishing my studies in XX/XX/XXXX from XXXX XXXX in Florida, I contacted Sallie Mae to consolidate my student loans and my loans were consolidated. After graduation, I worked for a time and I became unemployed. I reached out to XXXX XXXX to apply for hardship deferment, but I never received a response from XXXX XXXX in regards to my requests. After several attempts, I received a phone call from a company who identified themselves as Navient/ XXXX XXXX XXXX . They stated, they were the owner of my student loan and all payments going forward will go to them. I requested for them to provide the original signed promissory notes /loan documents to verify they were in fact the company that service said loan. From XX/XX/XXXX until present day Navient/ XX/XX/XXXX has not provide any such documents.
I have contacted Navient/ XX/XX/XXXX several times in regards to my student loan, so that I will have an option to have the loan with an estimated balance of {$15000.00}, place in deferment due to inconsistent employment ; however, I was told the loan will be place in Forbearance instead of Deferment.
I provided Navient/ XXXX XXXX XXXX documents stating that I was unemployed and was receiving government assistance, so I should be automatically qualified for Deferment ; instead I was told I was not eligible and the loan will be sent to Default.
I have made several follow up calls indicating I was still unemployed, and sent Certified Letters to Navient/ XXXX XXXX XXXX requesting to have the loan place in deferment and provide the original signed promissory notes/ loan documents, but I never received any response to my requests instead I received several e-mails and letters demanding payments.
Upon review of my credit reports, I was stunned to find out not only do I have several loans totaling {$83000.00} along with my original consolidated student loan of {$15000.00}. In addition, I filed my XX/XX/XXXX taxes and did not receive a return. I contacted the Internal Revenue Service inquiring about my return ; I was told the money was taken by the US Department of Treasury via a request of the Department of Education/ Default Offset Unit. I never received a letter from Navient/XXXX XXXX XXXX stating that I was in default on my student loan.
I called the XXXX XXXX XXXX/Default Offset Unit in reference to the tax off set. I was informed that they sent a letter to XXXX, VA stating that my money will not be granted due to my defaulted loans. When I asked which address the mail was sent to, they were unable to provide that information. I am currently homeless and dont have a place to stay. Upon further inquiry on how to get the money back, I was told unless I am in Foreclosure or Evicted from my apartment that the funds will not be reimbursed to me. I asked the representatives, which I have their first name and Id numbers, if I can speak to a Supervisor or someone in management in order to have the funds return until I can resolve the issues of obtaining the original signed promissory notes/ loan documents stating that I was in truth the holder of {$83000.00} in student loans, which I believe is fraudulent and are not my student loans.
Ive tried on several occasions to reach upper management at Navient and XXXX XXXX XXXX but I was unsuccessful. I was told by call representatives at XXXX XXXX XXXX that upper managements do not pick up calls nor answer questions.
I am requesting your assistance to resolve this matter in regards to said loans to obtain the original signed promissory notes/ loan documents, as well as removing all those fraudulent loan accounts from my credit reports. I would like to have Navient and XXXX XXXX/ Offset Default Unit to dismiss my alleged loans, if they can not provide me the original signed promissory notes/ loan documents. It is severally affecting my ability to find work or complete a security clearance due to these loans that are under my name and credit reports.
I will like to request the return of my XX/XX/XXXX tax refunds that was off set from The US Treasury Department to the XXXX XXXX XXXX, so I can begin the process of getting back on my feet. I am in the process of filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Navient and XXXX XXXX XXXX.
The individuals I spoke with at the XXXX XXXX XXXX as listed below by First name and ID number.
XXXX Id # XXXX XXXX Id # XXXX XXXX Id # XXXX XXXX Id # XXXX XXXX XXXX Id # XXXX XXXX XXXX UPPER MANAGEMENT Sincerely, XXXX XXXX Service List XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX Attention : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX NAVIENT XXXX XXXX XXXX XXXX, PA XXXX CONSUMER FINANCIAL PROTECTION BUREAU PO BOX XXXX XXXX, IA XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX G XXXX XXXX.
XXXX, D.C. XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX.
XXXX, D.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX, D.C.
XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, D.C. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX
Company Response: Closed with explanation
2018-10-30
Flor, MO
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
2018-10-30
Chelyan, WV
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-10-30
Covington, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2018-10-30
Palmerton, PA
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Company Response: Closed with explanation
2018-10-30
KY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Ive never missed a payment, Ive been paying for years now and my balance is hardly moving. I have a 10yr payment plan.
I too, was told to take a break at one point and go for a forbarence during XXXX XXXX ( not being told Id be accruing interest ) In XXXX I called to ask about applying extra payments outside my normal payment to try and pay down my balance. She said to make an overpayment and itd go directly toward the principle. Almost a year later, I find out .... Im paying interest on the overpayments.
Next, I look further into the past payments ( auto drafted ) theyve applied {$11.00} here to principle and then {$200.00} to principle another month then back to {$100.00}, and randomly taking huge chunks of interest in a non assending order at all. Theres definitely misapplied payments and Im definitely being taken advantage of. I should have paid closer attention.
I tried to make a complaint on the website but its not working. Theyre really not helpful on the phone either.
Company Response: Closed with explanation
2018-10-30
OK
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: Navient is practicing predatory lending with my private school loans which are over 120,000 in debts that continue to grow even though I make payments. These loans are designed so that I can never pay them off. They have created an undue hardship on myself and my family. I have had these loans over ten years and the balance is greater today than when I first took them out. I will never get them paid off at this rate. This is against the law and I want Navient to forgive this debt to avoid a lawsuit.
Company Response: Closed with explanation
2018-10-30
Mesa, AZ
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: As given here as concise yet clearly as possible I am still experiencing the following : - There is as of yet no clear or guided humane help with my student loan debt situation.
- Currently under Navient, who my student loan debt was transferred to after having XXXX ( Now XXXX XXXX ) servicing them for sometime, plus prior to them under SallieMae.
- Worsened or led to the unfortunate current problem I have after I consolidated my debt, and whoever did the " processing '' back then accepted the variable over the constant interest rate - to make more money off of the principal and what is added ( i.e., the interest, which keeps running and accumulating to the amount owed daily, with no real relief etc. ) to such!
- At the end if the {$150000.00} or +thereabouts forgiven/discharged/etc. will unfortunately result as brought to awareness of in at least one online reference in $ 20,000-30,000 worth of taxes that was mostly based on monies the debtor did not pocket - the bank/loan servicer did, though I and not them wind up paying for their taxes owed! Does that make sense to a " self-defeating '' aid at the end for those who just went to school or not?
- Have this unfortunate situation as given/based as if on some type of horrible or not humane " usury-racket '' activity which goes against a true care for this situation.
- Currently unemployed, have been mostly on forbearances/IBR plan for years yet was told by at least one reference that you could be and/or better off on PAYE and/or REPAYE and not get the problems with interest charges as Navient ( and others before ) has you on one so that they could make money off of the interest?
- Had done a previous complaint when under XXXX, which resulted in a contact with someone ( agent/etc. ) for the US Dept. of Education, who only did an audit, recalculation, etc. of my student loans though still left my situation as " same-old-same-old '' with the interest rate still running and adding to the principal with no positive aid of some type whatsoever!
- Also have to renew my plan soon as such will be expiring within a month or so, and the other day went to their website to login and found their services down.
- Also aid in taking are of a sister on XXXX who receives such on Social Security as I did as a XXXX XXXX to my father who was a veteran and passed away in 2012.
Will look forward to any options, assistance, etc. that your services could render with this severe debt situation and thank you kindly again for your services!
Company Response: Closed with explanation
2018-10-30
Algonquin, IL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2018-10-30
CA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: The only reason that Im reaching out the CFPB is because I was taken off a repayment plan unilaterally without my knowledge and then illegally penalized by having to jump though more hoops and being reported negatively on my credit report. This applies to myself and the co-signer, which in this instance is my ill mother whom Navient knows.
As a result of a lot of hard work and negotiation with Navient. I was approved to have a certain payment and contractual terms for the duration of my loans. Navient removed me from these payments based on subjective measures that were not at any time part of the agreed terms and refused to place me back on the the automatic repayment plan that I was on. Its not if I made my payments on time since my payments were in auto debit, but why Navient took me off of this contract and refuses to fix it, fairly.
I hope this makes sense and you can see whats happening. If not, I can most definitely speak to you in person and articulate this differently.
The office of the advocate has mistreated me and not responded to me on getting any traction to fix this.
XXXX
Company Response: Closed with explanation
2018-10-30
Chicago, IL
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I have been struggling with Navient and their repayment options for a while now. I have 4 separate loans but one in particular they just wont help me with now. The total is {$20000.00}, signature loan XXXX.
In XXXX I had spent 2hours in the phone with them so they can fix it. They told me they did I have confirmation numbers that I will be paying {$150.00}. I called recently and was informed that, that loan was never eligible for a repayment plan and aside from the {$150.00} that I am already paying for the other loans I would have to pay {$300.00} for this one payment alone.
I submitted my financial statement before it was due and I have stressed to them that I can not pay that.
Yesterday XX/XX/XXXX i spoke to an agent XXXX who stated that they are not obligated to help me find other options, that again I was never eligible for a repayment plan and that he is sorry the truth is ridiculous.
I asked to speak to his manager XXXX who wasnt as rude but not helpful either and he reiterated the same thing. So not only did they misinform me in XXXX but now they arent willing to correct their wrong and are trying to make me pay what I cant afford.
I am not paying off a car or credit card .. this is a student loan that was taken out through XXXX XXXX at the time at the age of XXXX and I regret I ever did.
This is not the first time I have an issue with them. In the past they have taken my payments and have not disbursed them as they were suppose to.
Company Response: Closed with explanation
2018-10-30
Patterson, MD
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation