Navient Solutions, LLC.

2019-10-03

Philadelphia, PA

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

Timely Response

2019-10-03

FL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I was orginally sold a loan at XXXX years old for school at {$6200.00}. About a year later i paid {$2000.00} on the loan. Everytime i called Navient they lied and told me forbearance was my best option when i couldn't afford payments. Never making me aware that my interest capitalizing would make my loan extremely higher and therefore making my payments even higher in the end. As of right now, i am trying to pay the loan in full and they refuse to work with me. Today i owe nearly {$8000.00} on the loan bringing the total to {$10000.00} on a 7 year student loan. It is just robbery and should be illegal what they do to new college students just trying to pay for schooling.
Company Response: Closed with explanation

Timely Response

2019-10-03

Hinsdale, IL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: To Whom it may : concern My name is XXXX XXXX, I live at XXXX XXXX XXXX XXXX, XXXX, Illinonis XXXX, my SS # is XXXX, I was born XX/XX/XXXX. I am writing this letter to you today to ask you to completely eliminate my student loan from Navient based on bogus practices. Navient is facing a lawsuit for the following : that they harmed student loan borrowers throughout the repayment process, the CFPB alleges that since at least XX/XX/XXXX, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans. Navient Plaintiffs regarding Navient lawsuit represented by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX in XXXX. As a result, the plaintiffs claim that teachers, nurses, first responders, social workers and other public servants are paying millions of dollars more than they otherwise should in student loan payments. https : XXXX -- XXXX XXXX all about it https : XXXX # XXXX I am a product of such practices. Because they have had me get several forbearanes, which caused the interest rate to skyrocket. I am XXXX dollars in debt maybe more with the interest rate. It is no way on Gods green earth I can repay this loan back, and I am now XXXX years old, not only that. The school that I went to is now closed down, because of their practices I was told that my diploma would be obsolete because they have lost their accreditation. Complaint regarding the XXXX XXXX XXXX XXXX According to the complaint, on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX campuses lost their status as an accredited institutions, so if they are no longer an accredited institution that means that my diploma is obsolete, no good, I went to school for four years, and I worked hard, and then when I went to them to help me find a job they said I have been out of the industry, so therefore my skills were obsolete, how terrible, I was really upset over this, how can you tell me my skills are obsolete. Education should be free if you go to school and then later your skills become obsolete. They said they would help me find a job and they didnt very false, very misleading representation. There have been so many complaints against the XXXX XXXX XXXX XXXX, so many students were done wrong by this institution. Therefore as a result of all this, I feel that my loan should be totally forgiven, I am close to {$90000.00} dollars in debt, I do not want to have such an astronomical debt hanging over my head, I feel my education was a total waste of time, and money that I did not get, and have nothing to show for it. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-10-03

Portland, OR

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-10-03

Temperanceville, VA

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Complaint: Navient keeps calling extended family members and those who have nothing to do with my debt. They have my address and phone number so there should be no reason to call family members. They also call my personal cell after XXXX XXXX and sometimes before XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-10-03

Sandy Hook, CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: My student loans were in default. I entered into a payment plan with Pioneer Credit Recovery. I have been faithfully making monthly payments of {$33.00}. Now my loans are out of default. I received a letter from XXXX, the Student Loan Servicer with the Department of Education. XXXX says I owe {$33.00} a month and that I am behind by {$33.00}. Pioneer is still taking {$33.00} out of my checking account and is not forwarding the {$33.00} payment to XXXX. I would like Pioneer to forward the {$33.00} monthly payments that I have been making to them and give the money to XXXX. I spoke with XXXX at XXXX and was told that Pioneer did not send the {$33.00} monthly payments to XXXX. I can be reached at XXXX. XXXX says they have not been receiving my {$33.00} payments from Pioneer.
Company Response: Closed with explanation

Timely Response

2019-10-02

WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My husband and I have struggled to make the payments on the loans. Navient kept stearing us to forbearance instead of income driven repayment. Then when we asked for income driven repayment, we were told that they would send us information via email on how to apply for it. The email never came. I check spam, trash, etc. No email. Called again and asked for them to resend the email. Was told it would be in my email within 2-4 hours. Again, no email. I finally had to do research on my own and hope that I have gotten it right. My loans are supposed to show that I have made the arrangements and show current, however, it is showing that I am in default. Navient also has not given me any direction as to how to handle anything since I became permanently XXXX. They never told me that I could apply for special circumstance because of my XXXX status. Additionally, they have changed the amount of the payment on my loans several times. They sent mail with one monthly amount and then within days we get more mail with a change in the monthly amount. It was confusing. Navient is not acting in good faith.
Company Response: Closed with explanation

Timely Response

2019-10-02

PA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I graduated from college in XXXX. I submit an application for a private student loan consolidation to Sallie Mae in XXXX, who was eventually taken over by Navient. The total amount was {$33000.00}. I recently contact Navient for information in regards to my original loan documents. The only documents that I am able to obtain from the company is a private student loan consolidation application. Navient is unable to provide me with any type of promissory note that shows that I accepted the terms of the consolidation nor can they provide any proof that the original loans were actually paid off. The reason that I contacted Navient for this information is based on the balance of my loan decreasing very little over a 12 year repayment time frame. The original disbursement amount showing within the Navient website is {$33000.00}. I made payments between XXXX - current totaling {$33000.00}. The payments were allocating as the following : Principal - {$13000.00}, Interest - {$20000.00}, Fees - {$300.00}. My current remaining balance is still {$21000.00}. If my payments continue as they have over the past decade, I will end up paying around triple the amount of my original loan. I became unemployed between XXXX - XXXX due to being employed by a company that was involved with the XXXX XXXX situation. During the time frame of XXXX-XXXX when I was unemployed, I was only ever offered forbearances and now options to assist in payment plans of any kind. I had minimal income, however I always attempted to maintain my history with my student loan, however my intentions were not always realistic when collecting only unemployment funds for nearly 2 years. In light of the new information in regards to Navient/Sallie Mae targeting student loan borrowers to pay forbearances to maximize profits via interest payments has convinced me to file this complaint. Not only do I believe that I am a victim of predatory lending, I also believe that there is no documentation to back up that I even agreed to the terms within the loan application as I never signed any type of promissory note or a promise to pay in agreement with terms. I believe that all practices involved in my example listed have been predatory and not in the best interest of the borrower, however I put my trust into the company for 12 years. I have paid over {$33000.00} total and my balance has decreased by {$12000.00}. I still show an existing balance that I have yet to pay of over {$21000.00}. This is a perfect example of predatory lending, inappropriate allocation of payments and not housing appropriate documents for a consumer lending agreement. I have finally reached a point where I feel a complaint and legal action is in the near future as this is clearly an example of unfair practices and not in the best interest of me, the consumer.
Company Response: Closed with explanation

Timely Response

2019-10-02

Sherman Oaks, CA

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

2019-10-02

FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have been paying loans for almost XXXX years and am trying to get a better grasp on my debt. I have reached out a number of times to Navient to try to understand a few things that don't seem to make sense or aren't shown on the website, but their explanations are vague and sound like the customer service is making up explanations or just dodging the questions because they don't actually understand. The calculations for how my payments are going to the interest and principal don't make sense - the math as they show it on my account history doesn't align ( the way it appears, a portion of my payment is disappearing each month ), and they have not had an actual explanation for it. My account shows like it has been going in an out of overpayment and huge charges are being added but only the explanation I received was " we have had some changes in our system. '' I asked for detailed information about my loans and the interest accrued and projected, how my graduated payment plan works and how the interest is affected by it, but was told they do not give that information. I had to actually explain how loans work and what I understood about my payment plan because the woman I spoke with did not understand. She wasn't even familiar with most of the common loan terms I was using in trying to get information. I asked to speak with a specialist or someone who might have more knowledge and she put me on hold temporarily, but came back and told me she was going to send me a loan document that explained everything. I received it the next day and it contained none of the information I was trying to get - it showed only my initial balance and current balance. I legitimately felt like I was being taken advantage of and that there was something unfair going on which was why they were refusing to explain the things I was asking or provide the information. Given that they are managing such an important issue, it is unacceptable that there should be so little clarity with their customer service.
Company Response: Closed with explanation

Timely Response

2019-10-02

Lafayette Hl, PA

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I attended a number of colleges and apparently XXXX from University of XXXX which I still do not believe. I owe XXXX in student loans. I have both private and federal loans. I have asked Navient a number of times to forgive all my loans and was told it's in s program which I am only paying interest on my private loans. I am in low income housing, had to apply for medical assistance, food stamps, and not in my career. I question the value of an education, these colleges, and why the Department of Education is handing out all these loans.
Company Response: Closed with explanation

Timely Response

2019-10-02

MA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: 1 ) Student loan is not mine, per se. it's a loan i co-signed for. 2 ) She fell behind and called to have the debt deferred. It was deferred. 3 ) They emailed me, and told me she was behind. She told me it was deferred so there should be no issue. 4 ) They would not give me any information when I asked for details on the loan. Said they could not through email ; I insisted that they do it through email a ) for proof b ) they already gave me the account number, why not the amount? 5 ) They were harassing. Called 3 times within 5 minutes. 6 ) Once I threatened going to a lawyer and filing a claim, miraculously they were able to send me secured email with the information. 7 ) I paid on the loan that I co-signed as soon as i had the information - they could've received their money a lot sooner if they just gave me the information. NOT MY FAULT!
Company Response: Closed with explanation

Timely Response

2019-10-02

Lewisville, TX

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

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

Their investigation did not fix an error on your report
Complaint: My Student loan has been taken over by Navient Department and they have been lying about everything. They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.
Company Response: Closed with explanation

Timely Response

2019-10-02

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: The interest rate was crazily increased to 11 %. I don't have control of the co-signer 's credit score. Therefore, I want to remove the co-signer. I sent a request to Navient to remove the co-signer but my request was rejected by Navient. Navient stated that I did not make a minimum 12 payments and I did not submit proof of income. See attachments. I counted more than 12 payments and sent a recent " pay stub ''. See attached invoice, I operate my own business overseas.
Company Response: Closed with explanation

Timely Response

2019-10-02

Rialto, CA

Credit monitoring or identity theft protection services

Student loan: Federal student loan servicing

Received unwanted marketing or advertising
Company Response: Closed with explanation

Timely Response

2019-10-02

TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have been paying on a student loan for over a decade and my balance is more than the amount first borrowed. Although during the time of repayments I had periods of unemployment, I have made payments while employed. I have all intentions of repayments but I have not made a dent on the balance. This was my first and only student loan and I was not very well versed. I do not believe I was fully informed of the repayment options nor was I ever alerted on renewal notifications on by payment options. When I review my account with the servicing company ( Navient, the loan originated with Salli May ), the amount applied to the loan principal has been little as XXXX cents at times. I just feel that I'm paying a " Loan Shark '', since my balance is more now then the original amount. I have worked for non-profit organizations, public state organizations and higher education of over ten years. I asked about loan forgiveness, regarding employment with non-profit and education, and was told that my loan was not eligible. I'm a veteran with a 70 % service connected XXXX and XXXX years old. I fear that my current XXXX, may result in working part time in the not to distant further. Any advise and guidance will be greatly appreciated.
Company Response: Closed with explanation

Timely Response

2019-10-02

Trenton, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I called to update my income based repayment plan for XXXX to XXXX. The new amount was {$110.00}. I didn't agree because it is not what I calculated. Then the rep said I could re apply by XX/XX/XXXX and re enter with a new amount cause I needed to enter my XXXX XXXX as a dependent. She then over the phone gave me a new amount. XXXX. it is now XX/XX/XXXX. I did not get an updated amount or resolution or answer and I faxed and emailed my new application and tax return again!!!!!! I am done wrong and financially robbed of my new payment. They lied and never got back to me. Also I think I am paying interest incorrectly. Indeed to have this research
Company Response: Closed with explanation

Timely Response

2019-10-02

Omaha, NE

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: 12 yrs ago I started paying in my loan to navient. Originally it was Sally mae. I was always offered only a forebarence. As much as I have paid my loan should have been paid off. The amount never decreases. Multiple times I've made payments that they did not receive and I refused to pay again which caused extra fees. Sometimes I even paid it again just so I don't have them telling me I'm a lier. Everytime I try to pay a little more after finally being offered the based on income and family size they raise the amount of the monthly bill and don't even tell me when they do and they change the due date without even telling you about it. In the end it's always my fault. I swear this should have been paid off by now after paying for over 10 years for a XXXX XXXX XXXX loan. I only went to school for less than a month because I felt the school was scamming me on my education. The teachers just slept and put on movies!
Company Response: Closed with explanation

Timely Response

2019-10-02

Enterprise, AL

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-10-02

Hillsdale, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I have an obviously fraudulent loan that was taken out in my name. Through the course of a year Navient has refused to make right the situation despite hours of discussion, police reports, affidavits, and missing documentation. I requested the loan origination documentation which lacked several key pieces of information. I then requested chain of custody, and it has never been provided. I have been constantly harassed with robo calls, spent countless hours on the phone and have received threatening letters from this company. They could not provide satisfactory reasons why my fraud claim was not found in my favor. They repeatedly requested the same documents over and over while taking months to respond. All the while their debt collection team would respond daily about my account. I said in writing multiple times I did not want further communication with the debt collection team, they ignored me. This company is unprofessional at best.
Company Response: Closed with explanation

Timely Response

2019-10-01

Hillsdale, NJ

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: My financial aid office recommended high interest loans for me to complete my education in 2007 ( XXXX degree ). I now have multiple students with 3 companies. I was contacted to consolidate and believe the lenders were preying in my lack of finance repayment and accrued interest knowledge. I now have over $ XXXX in student loan debt alone. Have been paying on loans for years with no end soon in site.
Company Response: Closed with explanation

Timely Response

2019-10-01

Jupiter, FL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I had student loans with Navient. When I was started receiving my bills, they wanted me to pay over $ 700/month. I did my best for a while but, as a new grad with another private student loan with Sallie Mae, a federal student loan to pay as well AND living in XXXX ( with very high rents ), I was nearly zeroing out my bank account trying to pay that. I called Navient on numerous occasions attempting to see if I can do an income-driven repayment plan but they kept telling me that the particular loans that I signed up for were not eligible for income driven payments and told me that my only option was to put one or all of my loans in forbearance ( as I had multiple loans ). If I continued to attempt to make the full payment, I would have defaulted so I felt that forbearance was my ONLY option. The forbearance would only last for 3 months so once it was up, I would call back and ask if there was a different payment option, which I was told again that forbearance was the only way to lower my payments. In addition, I was charged $ 40- {$100.00} every time I put the loan in forbearance. I called and asked on the following dates : XX/XX/XXXX where I was charged {$50.00} for putting the loan into forbearance, XX/XX/XXXX where I was charged {$50.00} again for putting the loan into forbearance, XX/XX/XXXX where I was charged {$100.00} this time for putting the loan into forbearance and lastly, XX/XX/XXXX with another {$100.00} charge. They said these payments were required to put my loan into forbearance and would be going towards my loan anyway. Again, they never gave me any other option, which was extremely frustrating as I know those loans are still accruing interest while on forbearance and I had very high interest rates/larger loans. I attempted to talk to a manager/supervisor on one of the calls and that seemed to be a waste of time. Ultimately, I ended up getting fed up with their tactics of forcing me to put my loan into forbearance so I was able to refinance my loans with another company ( XX/XX/XXXX ) but it was not fair to be forced into something and have so much more interest accruing. Very frustrating to look back on and now read all of the stories regarding the law suit, since I went through the same thing. A massive lender like this should NOT be allowed to take advantage of people like that.
Company Response: Closed with explanation

Timely Response

2019-10-01

Archers Lodge, NC

Communication tactics

Debt collection: Federal student loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-10-01

August F. Haw, CA

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

2019-10-01

Bothell, WA

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