Navient Solutions, LLC.

2019-10-15

PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: The XXXX XXXX agency has called my home everyday for over a month. I spoke to them and told them the person they wanted was not at this number. Their number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-15

N Haven, CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-10-15

Alexandria, VA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-10-15

Chesney Shores, IL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-10-15

Missouri City, TX

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened to arrest you or take you to jail if you do not pay
Company Response: Closed with explanation

Timely Response

2019-10-15

Jacksonville, FL

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-10-15

Centerville Branch, GA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-10-15

MI

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX has two closed accounts on my credit report, both are auto loans, one for the ammount of {$8300.00} which was open XX/XX/XXXX, reported XX/XX/XXXX, this loan was paid off when insurance ( XXXX XXXX ) cut the check directly to them for my auto accident for this auto loan. One for the ammount {$10000.00} which states it was open XX/XX/XXXX, reported on XX/XX/XXXX and closed XX/XX/XXXX. Both accounts were paid off in full. With not one late payment. They have negative remarks about my payment history that has been affecting my credit for 4 years now. I have loans from the department of education/Navi showing a {$0.00} balance still on my report with negative remarks about my payment history. I have many student loans on my report at a {$0.00} balance that were paid in full and either closed accounts/sold accounts/ or months over 7 years old with negative remarks about them being deragatory. I have an account on my report from the u.s department of education opened on XX/XX/XXXX that were just reported on XX/XX/XXXX. I have a account in collections from XXXX that has been removed from two of my credit reports because they knowingly supplied false information to obtain a debt. I am XXXX years old, 50 % of my credit report is inaccurate and or false. I have many negative remarks about my payment history that are not true and I have suffered from it for the past 4 years now. I have been unable to buy a home, open a credit account, I have even been denied a bank account before because of this, I have been denied apartments because of my credit reports and the false or inaccurate information demeaning my reputation indirectly claiming I have poor payment history or I can't stick contract or payment plan. I couldn't even get an opportunity to lease a new bed I have needed for my daughter for the past year. I have filed disputes to have these matters taken care of and I can no longer not take action it's time to fight for my credit freedom.
Company Response: Closed with explanation

Timely Response

2019-10-15

IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Around XX/XX/2008, I contacted Navient to be a part of the Public Service Loan Forgiveness since I work for a non-for-profit. Navient informed me that I was approved through them and to keep making payments and filing for Income Based Payments each year, which I did. Towards the end of my 10 years of payments, I filed the form to see how many more payments I had left and was told that I had none that qualified under the program because I never consolidated my loan, even Navient informed me that I did not need to file any other forms or do anything. I have proof of all payments made for the last 10 years and would like those payments to be counted towards the Public Service Loan Forgiveness.
Company Response: Closed with explanation

Timely Response

2019-10-15

Holly Springs, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-10-14

Greenwood, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My loan servicer is Navient. After my teacher loan forgiveness application was denied, I was told that I would qualify for the Public Service loan forgiveness program and that I would need to make 120 payments for 10 years and that I would need to apply after I have made these payments. I was not informed of any additional steps or actions that I needed to complete in order to qualify for this. I have been enrolled in the income based repayment plan for the last 8 years and I just found out that I should've been completing the employment certification for Public Service loan forgiveness every 12 months. Navient never informed me of this and now after I have been paying my loans back for the past 8 years, under the impression that I only had 2 more years left and that in 2 years I would be eligible to pay but this is not the case. The payments that I have had to pay do not count towards PSLF because I never filled out the certification which Navient failed to inform me of.
Company Response: Closed with explanation

Timely Response

2019-10-14

Dayton, OH

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have 3 private loans open with Navient they have been since XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from XXXX XXXX XXXX college. The one loan is for XXXX, XXXX which was originally for XXXX. The other Loan for XXXX was for XXXX the last was XXXX and was XXXX the loans have never went down only went up over an 12 year period.
Company Response: Closed with explanation

Timely Response

2019-10-14

Chicago, IL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: My son received a {$8000.00} loan from NAVIENT in XX/XX/XXXX. It is XX/XX/XXXX. The loan balance amount is OVER {$8000.00}. We're paying {$180.00} a month and this loan amount has not went down in 8 years! I am so tired of paying this loan. Can someone PLEASE help me! This company is robbing me!!!
Company Response: Closed with explanation

Timely Response

2019-10-14

Moapa, NV

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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with explanation

Timely Response

2019-10-14

NJ

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: Sallie Mae is not willing to work with me and lower my payments. During the call last week I was told they could not help me.
Company Response: Closed with explanation

Timely Response

2019-10-14

LA

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Complaint: I disputed some accounts on my credit report, sent out on XX/XX/2019. XXXX did receive that dispute letter on XX/XX/2019 USPS tracking XXXX XXXX, according to FCRA 611 ( a ) ( 5 ) ( A ) ( i ), had 30 days to respond to my dispute letter of the accounts ; if not, they were supposed to remove/delete all the accounts disputed. They missed their deadline by sending a response with the post mark of XX/XX/2019 ( see attachment XXXX Late ), therefore they did not comply with the law. I received a response letter stating that two accounts would remain : Report response reference numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Dept of Ed/Navient XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX In regards to their response, which should be voidedthey did not supply my requests. I requested verifiable of an original Consumer Contract with my signature on it, again, according to the law FCRA 609 ( a ) ( 1 ) ( A ). Their response was that they reached out to the debt collectors and the debt collectors informed them that the debt is verified. The law says that the CRAs must conduct a reasonable investigation, FCRA 611 ( a ) ( 1 ) ( A ) which according to Kushman vs Transunion, they have to conduct an independent investigation. They are still conducting the same practices that were ruled against within this case. I have also requested to know their method of verification involving my dispute. I requested the exact procedures taken to conclude their results, who was involved, but none of these requests have been provided ; for both, XXXX XXXX nor Navient. The account for Navient was transferred/Sold immediately to the Department Default group as soon as my dispute was sent to them. It is my opinion that they sent it to default to avoid having to verify the account and force the Dept of Ed to deal with me. The Dept of Ed is only involved because of Navient claiming to be the holder of the account, but has not verified it. The Dept of Ed claims that Navient is now, formerly Sallie Mae. Navient has already lawsuit in the courts to CFPB due their falsehood methods, but shall they continue. They are not following the law, once again. I have requested verifiable proof but it has not been fulfilled. Due to all of the data breaches, one should understand this simple request. I have even noticed that the names and address listed under the Secretary of State business licenses do not match for Navient. They are listed as just Navient on my reports while showing Navient Inc or Navient LLC, and the address is different from the Secretary of States listing in Louisiana. They do not all match. Shouldnt XXXX be held accountable to provide verifiable proof that I owe them this debt that Navient is claiming? Shouldnt they have to provide me, the consumer, all the information associated with my file, at my request? They names of those that have touched my file, their exact method of how they verified other than just speaking to the debt collector, Navient? In addition, Navient was closed but still reporting charges, and now the Dept of Ed is reporting the same dept to my credit report. It is illegal for the CRAs to report the same debt from two different sources with balances from both, but they are doing it right now. There are errors listed on the payment history as well. One month shows Ok, then the next month shows 90 days late. According to the legend provided on the credit report, each month is supposed to progress from 30 days, to 60 days, to 90 days late, etc. This is inaccurate late payment reporting. I have demanded proof of payment history to clarify these errors, but nothing has been given, so now my payment history reflect false summaries, which have affected my credit as well. Navient should not have been able to report my account to the Dept of Ed because they never sent verifiable proof of the debt at my request, which was sent out on XX/XX/2019. The 30 days have past for this request to have been fulfilled by Navient as well. XXXX XXXX has not provided XXXX with verifiable proof either. XXXX has closed their accounts, but they are still reporting charges to that account, which continues to drop my credit score. I have demanded that XXXX delete XXXX XXXX because they have inaccurate reporting and have not verified the debt with the original consumers contract with my signature on it. Instead, XXXX told me that XXXX XXXX has verified. When I asked for their procedure of verification and the method, I was told that they have already investigated this matter and it has been verified.
Company Response: Closed with explanation

Timely Response

2019-10-13

Flor, MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-10-13

MA

Incorrect information on your report

Student loan: Private student loan

Account status incorrect
Complaint: I was in the process of writing a letter to Navient disputing their claim that I owed them {$680.00} from XXXX when I came across this site. I have pasted the body of my letter here. Attachments are in the uploaded Navient dispute document PDF file below. To Whom It May concern : I am disputing your claim of a balance due to Navient by me as annotated in your letter dated XX/XX/XXXX for a student loan that I paid in full on XX/XX/XXXX, over 11 years ago. I received this letter XX/XX/XXXX. The letter is dated XX/XX/XXXX. It is postmarked XX/XX/XXXX ( see attachment ). The letter states To pay loans in full, we must receive you payment of {$680.00} within 10 days of this letter. Ten days from the XXXX was XX/XX/XXXX. As I stated earlier your letter arrived on XX/XX/XXXX. This delay was due to 7 days between the date of the letter and the actual postmark on the envelope ( see enclosed ). This lack of timeliness in your correspondence is indicative of the time frame this letter pertains to, a XX/XX/XXXX notice for an account that was paid in full on from XX/XX/XXXX with a payment of {$79000.00}. Please note that according to your enclosed account history it took 2 years to post a {$55.00} adjustment. I spoke with customer service representative XXXX on the phone on XX/XX/XXXX. She told me the dates of correspondence forwarded to me from Navient following my final payment posted on XX/XX/XXXX are as follows : 7 months later on XX/XX/XXXX 5 days later on XX/XX/XXXX 6 years and 3 months later dated XX/XX/XXXX 2 months later XX/XX/XXXX 2 years 11 months later XX/XX/XXXX 1 years later on XX/XX/XXXX Once I made my final payment in the exact amount of {$79000.00} any and all correspondence from any company would have been viewed as another lending company looking for business or a solicitation from a credit card company and promptly discarded. Again I point you to the length of time between notices issued by Navient. It is 11 years and 9 months since my payment of {$79000.00} posted on XX/XX/XXXX and your letter dated XX/XX/XXXX. Upon asking XXXX how Navient arrived at the {$390.00} principal balance she told me there was an {$80000.00} balance offset by the XX/XX/XXXX posted payment of {$79000.00} payment. Per the enclosed spreadsheet I had made a total of {$82000.00} payments toward principal. Upon opening an account with XXXX XXXX On XX/XX/XXXX is when I noticed and submitted a dispute for them to investigate the Navient entry on my credit report. While this is a screen shot from XXXX XXXX and not Navient, ( see PDF ) please note the date of the Navient entry, XX/XX/XXXX. 4 years and almost 11 months before my final payment on XX/XX/XXXX, the date XXXX cited on our phone call on XX/XX/XXXX used to calculate the {$390.00} principal balance. Furthermore, I question Navients record keeping, and by extension, making your calculations unreliable, by citing the screen shot below from your web site. It indicates I am supposed to make a monthly payment of {$520.00} due on XX/XX/XXXX! We have all been warned of scams and unscrupulous companies attempting to bilk money from unsuspecting people. Upon learning of the ongoing lawsuit by Consumer Financial Protection Bureau and many State Attorney Generals, I am increasingly alarmed that money may have been misapplied on my account. This account appears as an outstanding debt on my credit reports for XXXX and XXXX and adversely affects my credit rating. Given the absence of any written documentation detailing your calculation supporting the {$390.00} principal and XXXX interest balances listed in your notice dated XX/XX/XXXX, the inordinate and inconsistent length of time between supposed documentation ( I was unable to locate any list of notices or documentation on www.navient.com ), poor record keeping ( see Navient screen shot ) I reiterate my refusal to pay {$680.00} to a company that only offers a figure in a letter and a verbal claim by a customer ( albeit courteous ) service representative. Sincerely, XXXX XXXX XXXX FYI, I submitted a dispute to XXXX XXXX on XX/XX/XXXX They say it is currently under investigation and should be completed by XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-10-13

Bohemia, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2019-10-13

Rochester, OH

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I have filed numerous complaints with Navient, my lender on behalf of the loan service practices. in XXXX of 2011 my loan originated at {$10000.00}. I have paid over {$18000.00} and my Private loan is STILL at {$9800.00}. I contacted the Ombudsman office and received a letter Case # XXXX from the Navient office of the Consumer Advocates XX/XX/XXXX Stating that my Borrower defense to Loan repayment loan I have been filing for Discharge because the school was shut down has been put on administrative forbearance until XXXX for my Federal loan. I spoke with XXXX XXXX on XXXX about my Private loan which is apparently accruing {$3.00} /per day interest. As she repeatedly said " The documents you signed '' through Sallie mae / now Navient with a 11.25 % rate Variable of course is the reason of the loan not getting paid off. I am 100 % sure this is why Sallie Mae was shut down. XXXX stated I can get a loan with an outside company to pay this off and pay on that I start all over again I know this is preditory lending and I NEED HELP
Company Response: Closed with explanation

Timely Response

2019-10-12

Saint Paul, MN

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I was in school XX/XX/XXXX for 2-3months. I withdrew XX/XX/XXXX due to lifes inconvenience. Never received any disbursements from the 2 loans that appears to be on my 1st enrollment of school. I started back in XX/XX/XXXX. Through the 2yr time period. Sallie Mae/ Navient has made numerous bad credit reports such as delinquent against my credit. Ive always had to lean towards forbearance there was no other option. My interest rate continued to go up ridiculously. I was also told when in forbearance no bad credit reports would be made against my credit. When I went back to finish school XX/XX/XXXX. Had more loans during my 2nd enrollment. Finished XX/XX/XXXX. Couldnt find a job right away. Sallie Mae/Navient continued to perform harassment. Contacting & sending my billing information to friends and family for me to pay. An unprofessional act & complete embarrassment to me. I was in forbearance again as my interest rate continued to go up again & again. Now Im dealing with paying them an awful amount of money that has been adding on my loan account. Due to forbearance, interest rates continued to climb up every time. I feel as though I am a victim of the scam & allegations Navient is being sued upon.
Company Response: Closed with explanation

Timely Response

2019-10-12

Oxford, GA

Communication tactics

Debt collection: Federal student loan debt

Called before 8am or after 9pm
Complaint: I have asked the debtor ( Navient ) in writing to cease all calls. Navient still calls me after I have wrote in writing not to. They calling me before XXXX. I received several calls from them. XX/XX/2019 first attempted call of the morning, was at XXXX first law they're breaking. They kept calling all day about 3 times. Twice on XX/XX/XXXX. Once on XX/XX/XXXX and once on XX/XX/XXXX. The numbers they are calling from are XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. They also keep emailing me. This is starting to get annoyed. They keep harassing me. I do have rights under 15 UCS 1692d ( 5 ), 15 USC 1692c.a ( 1 ), 15 USC 1692 ( c ) ceasing communication. 15 USC 1692g.a ( 5 ) ( b ).
Company Response: Closed with explanation

Timely Response

2019-10-12

FL

Incorrect information on your report

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

Account information incorrect
Complaint: I had a student loan back in XX/XX/XXXX, eventually due to financial issues I could not pay back the loan and the loan was sold to a different student loan servicer called Navient sometime in XX/XX/XXXX and the collection process started again but I did not receive any notices in the mail or calls over the phone, nothing informing me that they were collecting on the student loan. Since I live in Florida and hurricane Irma came around during that time they put the payments on hold until around XX/XX/XXXX. 3 months later I finally find out because I noticed my credit score dropped substantially and I looked to see why and I find out about Navient and that I'm 90days late on the student loan payments, so I immediately pay everything in full since I have a better job now and have continued to make payments on time since then but the damage was done, my credit was set back big time and it will continue to hur me for the next 7 years. I called Navient and explained what happened.. They state that they only accept letters mailed to a certain dept to address those kinds of issues, seems like businesses do that to make it harder for consumers to get things fixed. I sent the letter around XX/XX/XXXX but I haven't received any sort of response. I understand that the student loan was something I am supposed to be responsible for and I tried to be back when I tried to pursue a higher education but if I have known ahead of time that the transition happened with Navient 8 years later I would have committed to the promise I originally made when I was 18 especially since I have become a much more responsible adult over those years but the 90 day late payment tells a different story about me, one that says I'm irresponsible, that I don't follow up on my promises. It has set me back on reaching my financial goals like buying a home and getting a good interest rate on my car. I hope by doing this it can help set things straight
Company Response: Closed with explanation

Timely Response

2019-10-12

Spencer, MA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-10-12

Bremen, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I feel Navient does not make it easy enough if you want to pay off your loan early. Every other lender I deal with whether a car, credit card or personal has easy to find links on you account page for a payoff quote. Navient makes it so difficult it is frustrating ... there should be a payment option for payoff, not just " over-payment '' that does me no good. Stop trying to discourage from paying off early, I have already been paying on the loan for 15 years ...
Company Response: Closed with explanation

Timely Response