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 19
2019-10-17
Colo Spgs, CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I was told that if I paid my student loans for 10 years I would qualify for public service loan forgiveness, however after paying the loan for the required time I was told my loans were the wrong type.The government changed the loan program and my loan did not qualify for the loan forgiveness but Navient failed to inform me. I felt cheated and Navient as the experts did not direct me properly, after the 10 years they offered me another forgiveness program that would have increased my payment, which I could not afford. I have been paying my loans since 2005 and still owe {$52000.00}, I am never going to get out of the hole.
I have recently had XXXX and an aggressive XXXX XXXX called XXXX XXXX, which have both resulted in loss of wages and additional medical fees. I will be XXXX years old soon and will have to retire, I do not know how I will continue to pay the loan on a small retirement.
Company Response: Closed with explanation
2019-10-17
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Keep getting calls about your loan
Complaint: Navient called my former roommates parents today looking for me. I have not lived with this person in five years and we did not go to the same college together. I never lived at her parents residence.
Company Response: Closed with explanation
2019-10-17
Kendall, FL
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
2019-10-17
Seattle, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: On Thursday, XX/XX/XXXX, I decided to change my loan repayment plan from income-driven repayment ( IDR ) to standard repayment. I wasn't able to complete this change on the website and was directed to call customer service. I told the representative that I'd like to adjust my repayment from IDR to standard and she proceeded to immediately read me forbearance terms to agree to. I paused her to understand why she's reading this because I'm not asking for forbearance and she asked, do you not know what forbearance is? I replied something along the lines of, yes, I do know but I'm not clear why I would agree because I am able to pay my loans. In fact, through the new plan, I would be paying more per month in order to repay my loans faster. The statement that stood out the most and was definitely not true for my situation, " I am not required to make payments of loan principal or interest during my forbearance, but interest will continue to be charged on all my loans. '' I clearly never mentioned anything about not being able to pay. Since I was aware of the lawsuit I continued to ask questions until she very quickly shifted gears and said, " would you like to proceed without forbearance? ". Clearly, my answer was yes. However, she didn't make that an option. I felt very misled during this discussion and imagine that many other borrowers just say yes. This is morally wrong and an obvious attempt for Navient to take advantage of and make more money from borrowers. Additionally, I haven't reapplied for IDR since XX/XX/XXXX and somehow I'm still enrolled even though they threaten removal from the plan if the application isn't complete. I've received a few emails that are inaccurate as well stating that my monthly payment will increase to $ XXX.XX if I don't reapply for IDR. That number provided wasn't any higher than what I was currently paying. Again, another example of Navient 's deception and ability to cause confusion. Last, I had to pay {$5.00} to switch planswhy?
Company Response: Closed with explanation
2019-10-17
Glen Saint Mary, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-10-17
IN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I have already attempted to resolve my issues with Navient and this is my second complaint to you. I wanted to bring some new information to your attention after my own investigation. First off Navient has stated that I consolidated loans in 1997. I have no knowledge of such a thing. Apparently they redid my loan and raised the interest rate and of course more fees. This apparent consolidation loan would have been no benefit to me what so ever. Another I did is get on the student aid website, to try to dig some more into this. My original loan balance should have been {$5800.00} instead of {$8400.00}. I couldn't quite figure that part out. My pell grant never got all applied because somewhere along the line someone put down, a withdrawn status. Well I GRADUATED, it still has a withdrawn status on the website. I should not be having to go through all of this to try to figure this out. This is my last attempt with Navient and XXXX XXXX to figure out who dropped the ball! I will be getting an attorney and let him/her figure out who in the XXXX is at fault!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX
Company Response: Closed with explanation
2019-10-17
Gilbert, AZ
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: debt was XXXX county since XX/XX/XXXX and XX/XX/XXXX Judgment were filed in XX/XX/XXXX and XX/XX/XXXX and never renewed In AZ judgments need to be renewed in 5 years
Company Response: Closed with explanation
2019-10-16
Albuquerque, NM
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I have one student loan account it is in good standing I talk to Navient On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment account
Company Response: Closed with explanation
2019-10-16
VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Navient Solutions.
Pending lawsuit for illegal practices in claiming a debt is owed in which they can not provide legal proof.
Requested documentation supporting the amounts owed and was not provided within the timeframe given via mail correspondences. Received one letter with nothing requested or satisfactory as required by law.
Navient continued to harass the person via email while the account was being disputed and credit reporting despite requesting validation and harming the persons credit during a formal investigation requests into the validity of the debt and amounts owed.
FTC, FDCPA, FCRA violations.
Company Response: Closed with explanation
2019-10-16
Martinsburg, WV
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I have been paying this loan for over 10 years and the loan amount should have be decreased by a substantial amount yet is not
Company Response: Closed with explanation
2019-10-16
Trenton, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Navient Account Student Loan 1 High Credit {$15000.00} paid in full Student Loan 2 High Credit {$16000.00} currently on time Total account XXXX Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.
They report 95 % This is not correct. The limit was XXXX. The debt to income ratio should be reported at 45 %.
Company Response: Closed with explanation
2019-10-16
Milton, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-10-16
PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: The payment for this loan is {$78.00}, in XXXX of 2015, I elected to pay more on the loan in a payment of {$86.00} ( {$8.00} extra ). Now, when navient sends my paper bill, the paper bill specifically says the payment due is {$86.00}. This is misleading, the payment is {$78.00}. navient 's website, when logged in, also has confusing information about choosing how overpayments are processed. The terminology, " allocation direction '', not used by other traditional lending institutions, is ambiguous. And, if one tries to edit/change the " direction '', the explanations are also ambiguous. No other financial institution uses this terminology or offers 7 choices ( 3 of which are in favor of the financial institution ) for options of applying an overpayment. It's obvious that navient purports to offer many choices while in fact selecting some of those choices will in fact benefit them. Traditionally, and with any other lender, an overpayment is either A : applied to the principal or B : applied to the interest ; period. For example on the XXXX, website, one can choose how much to pay ( which is displayed ) and to which loans XXXX which is displayed ) ; it's not ambiguous.
Company Response: Closed with explanation
2019-10-16
Clarksville, MO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I graduated in XX/XX/2016. My grace period ended 6 months later. I promptly enrolled in NAVIENT 's auto-pay feature and have made my payments on time and in-full ever since.
Lately, I have been focusing on my loan with the highest interest rate. After logging in recently, I noticed that the principle balance on this particular loan has not decreased appreciably since XXXX. The minimum payment on this loan is ~ {$330.00}. Yet, when reviewing the payment summaries for XXXX ( XX/XX/XXXX ) and XXXXr ( XX/XX/XXXX ), only ~ {$94.00} in interest has been applied.
NAVIENT is misallocating my payments among my lower interest loans while preserving the principle balance of my higher interest loan.
Company Response: Closed with explanation
2019-10-16
Cucamonga, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-10-16
CT
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: I have worked for 15 years in XXXX XXXX XXXX in both XXXX and CT. I have applied to have the loan forgiven on numerous occasions as I have also worked for XXXX XXXX XXXX XXXX which would qualify me for immediate forgiveness of the loans.
I was forgiven {$2500.00} more than 3 years ago and was told I needed to wait several more years to apply again for forgiveness. I currently owe a total of {$25000.00} between my XXXX and XXXX studies. I continue to work for a XXXX XXXX XXXX XXXX and applied a few months ago again. I have not heard back from the loan company at all again at this point.
Company Response: Closed with explanation
2019-10-16
CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I opened a complaint with Cfpb last year - complaint id : XXXX-XXXX My complaint was resolved and Navient stated that they removed the incorrect reporting of a late/ missed payment in XX/XX/XXXX. However it has come to my attention that Navient has averted the complaint by adding / shuffling late / missed payments reported to my credit bureaus.
Navient removed a late/missed payment reported XX/XX/XXXX as requested, however they reported a late missed payment in XX/XX/XXXX when removing the XX/XX/XXXX remark.
As stated in my first letter to Navient, I began making payments under this plan starting XX/XX/XXXX.
Navient also shuffled the XX/XX/XXXX payment and XX/XX/XXXX payment as well when I stated I had not been late a full 30 at this time either.
Company Response: Closed with non-monetary relief
2019-10-15
PA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I am revisiting this complaint that has impacted me for years since graduating in XX/XX/XXXX. Sallie Mae ( now both Sallie Mae and Navient ) coerced me into NOT doing student loan consolidation in XX/XX/XXXX ( that significantly dropped my variable interest rates into a low fixed rate ) when they had a consolidation program available. They told me not to consolidate if I had thoughts of going to XXXX XXXX because if I go to XXXX XXXX I wouldn't be eligible for school forbearance, and that I could do consolidation when I am completely done with school. -- - So I continued to pay on the loans at the high interest rate, and I went back to school I was working and going to school - Sallie Mae made the assumption that if a student is in school they don't pay their loans -- this is false and has been harmful to my credit score, getting a mortgage, and now trying to consolidate my loans through XXXX ( I am not eligible now b/c of debt to income ratio and also my credit score ) ... ..I called Sallie May again in XX/XX/XXXX and XX/XX/XXXX when I saw my fixed rate increased yet again asking/this time begging for the consolidation and they told me it was no longer an option/stopped offering it to consumers ... a couple years ago, a Sallie Mae rep told me that the only time they lower rates is if I show I can not pay, and that happens when you can't make payments based on income and expenses. This killed my credit score, which I have yet to recover from to do student loan consolidation. Paying back my loans has been a struggle since XX/XX/XXXX and I want Sallie Mae to drop my student loan interest to the rates they would have been if they would have been consolidated back in XX/XX/XXXX, and remove all credit reporting when they put me on a " special rate program for people who can't pay ''.
Company Response: Closed with explanation
2019-10-15
Arsenal, PA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I am unable to pay this loan because Navient/Salliemae is expecting me to pay over {$900.00} a month. They also stated that I used up all my Forbearance. I've been in contact with them since XX/XX/XXXX and although knowing about me and my co-signers financial/medical circumstances they keep saying that they have no programs to help make my payments flexible.
I spoke to a supervisor on the phone and they told me to just pay what I can on the website. So I was able to pay {$50.00} on XX/XX/XXXX. However, Navient continues to use random numbers to call me expecting payments when they know that I am unable to pay over {$900.00} a month. They also have information showing that I did pay something in XX/XX/XXXX, however, they still threaten to send my account to collections.
Here are the numbers they keep calling me with : XXXX TX, XXXX XXXX IN, XXXX When they call I know it's them because it's the only number that doesn't leave voice messages. They call me at least twice a day. When I answer and give them the same reason why I am unable to pay they push the calls out for another seven days.
Company Response: Closed with explanation
2019-10-15
Brooklyn, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I contacted Navient by phone on XX/XX/XXXX to switch the bank account from which my automatic payment is deducted. The company informed me that the only way to do this is to cancel autopay from the old account and then re-enroll with a new account -- their system would not allow a customer to simply substitute a different account. The customer service representative informed me that I would not lose the 0.25 % interest rate reduction that comes with auto pay if I cancelled and renrolled. I then canceled the old account and immediately re-enrolled in autopay with the new account. I did this 21 days before my next payment was scheduled to be deducted.
On XX/XX/XXXX, I viewed my online account and Iwas still not re-enrolled in auto pay for that month 's payment, which was scheduled for XX/XX/XXXX. In fact, my online account showed that I would not be in autopay until the following month 's payment on XX/XX/XXXX - seven weeks after I simply tried to switch the bank account from which my auto payment would be deducted. In addition, Navient removed the 0.25 % interest rate reduction from my account so I am now being charged a higher interest rate and there is nothing I can do about it ( see the attached billing statements showing the increase from 4.5 % to 4.75 % ). I called Navient and asked the company immediately make sure I was in auto payment and to give me the interest rate reduction that comes with auto payment, but they refused. The company said they would reduce the interest rate when I was fully back in auto pay, but that could take another 5-7 business days - which would be over two weeks since I simply attempted to change the bank account my auto pay comes out of. It is unfair to charge me the extra 0.25 % interest for this period. Presumably this is happening across Navient 's servicing portfolio, and the company is earning this inflated interest rate on any customer who wants to switch bank accounts.
Company Response: Closed with explanation
2019-10-15
Boston, MA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I keep getting false notices about my loan. The payment amounts do not match and are not consistent. I have tried calling the servicer, but they do not offer any specific information. They are not helpful. The supervisors I have talked to are not helpful. They don't seem to understand the questions I am asking. I worry that my payments are being mishandled.
Company Response: Closed with explanation
2019-10-15
Ft Belvoir, VA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: There was a unknown number that sent me a text about paying debt that I don't owe. It was a collection agency called Municipal Services Bureau ( MSB ) behalf of XXXX Co Court-OJD. I don't if this is a scam or if they are wanting the money from me. This could result probably in bankruptcy or fraud in my banking account. The MSB would plan to file a lawsuit against me for my payment and more money owed. I do not owe any of those to MSB.
Company Response: Closed with explanation
2019-10-15
Auburn, AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-10-15
Lowell, AR
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: Earlier this year I contacted Navient about my loan and how to lower my interest rate. They stated if I delayed payment for two months Id be able to qualify for a different program, which includes a low ( lower ) interest option. However, when the time came they told me there was nothing they could do. I then had to make two payments and instead of applying to towards any principal they applied it towards capitalized interest. This is absolutely terrible practice. I then called to have them pull the recording of the call and they declined to help at all. At this time I have a 10 % interest rate and owe $ XXXX for a loan that had a beginning balance of $ XXXX.
Company Response: Closed with explanation
2019-10-15
Rochester, NY
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I have both federal and private loans through Navient that I first began paying on in XX/XX/2014when I graduated with my XXXX. I ended up going back for my XXXX degree and not only deferred those loans but took out additional federal loans to pay for my XXXX degree. I graduated almost 2 yrs ago and began paying, what I thought was, my total sum of all my loans each month. It wasnt until 6 months had passed that I realized Navient was misallocating my payments but had no idea or lied to me about what was going on. Navient was using my entire payment for just my federal loans, while putting absolutely nothing towards my 3 private loans ( of course the ones that have a higher interest rate and are impossible to get help or assistance to begin with, which I only need now because of Navients negligence and deceitfulness. I would constantly get calls and notifications that I was past due and they were going to report me but every time I would check my account or call they would tell me I was current and I took their word for it because I had no reason not to. It did not seem phantom-able to me that what was occurring would occur to begin with but also continue to happen nearly a year and half after I first realized how irresponsible this company was. I have come to believe what they are doing is criminal because they have blatantly disregarded not only the common sense and ethics they should be working with but also purposely lying to me about where each payment went to. Even worse, my father co-signed two of these private loans so now they have not only began to ruin my credit and make it so difficult to get on track with my private loans, they have done the same to my father. By the time Navient figured out, or finally told me what they were neglecting to for 6 months, my past due payments were almost {$4000.00} for these 3 loans. I had basically two options pay they {$4000.00} or join a payment plan which ended up being {$500.00} twice that month and {$500.00} every month for the next two years, on top of all my other loans I had to pay for. Within 3 months I was unable to pay the over {$1000.00} total payment they were expecting of me. I tried to work with them to figure out my situation with 0 help from them. I ended up consolidating and taking a forbearance on my federal loans so I could afford to catch up on my private ones, that, mind you, wouldnt have been past due or high, if one person at this company did even just one task a day that we would all expect them to do. While this arrangement was manageable since it began and I thought maybe Navient was getting their act together, they have misallocated 2 payments of {$500.00} in the past two weeks. They are back to stealing customers money and freely distributing it to wherever they feel like, while ruining their customers credit and ability to manage student loan repayment. I will be giving them another {$500.00} for the same loans I gave them {$1000.00} the past two weeks for or my father and I will be reported. This is after I called them when they messed up the first time and they reassured me it wouldnt happen again. With a company like this, no wonder people cant afford to pay the their loans back, its criminal and disgusting. Although I take some responsibility for not knowing exactly what was going on or putting more pressure on them to get answers for what was going on at first, be very vigilant of Navient, because this is still happening when I have done everything correctly to stay current on all my loans. But by far the scariest part, is not only is it still happening, they have lied to me twice now about it. This company and its employees should be absolutely ashamed of themselves.
Company Response: Closed with explanation