Navient Solutions, LLC.

2019-10-01

Tallahassee, FL

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

Timely Response

2019-10-01

Atl, GA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I told them, I was having problems paying my student loans, I'm currently on income based repayment and still Struggling, I owe over XXXX on student loans for an XXXX XXXX XXXX degree and XXXX still harassing me over XXXX dollars after, I had already graduated. My payments are over XXXX dollars a month, I am struggling.. This is with income based repayments.
Company Response: Closed with explanation

Timely Response

2019-10-01

TX

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Complaint: After a long career in the XXXX XXXX my daughter was seriously ill and had a chronic illness I resigned from my job and went back to school. I graduated from the University XXXX XXXX in XXXX with a XXXX XXXX in XXXX XXXX during that time I was also working for the XXXX XXXX program a XXXX XXXX and XXXX program for XXXX children in the XXXX XXXX XXXX XXXX as a XXXX XXXX and XXXX XXXX. I also worked for XXXX XXXX Program which was an XXXX XXXX XXXX for children in the XXXX XXXX XXXX for XXXX children as a XXXX XXXX. After I graduated I started receiving notices that I had student loans I contacted the Department of Education because I had heard that if you work for the XXXX or if you were working in a Job that you received your degree in that you could have your loans forgiven. I contacted the Department of Education got all the paperwork submitted it to the Department of Education I received notification from them that I was not eligible because I didnt meet the guidelines ( which I do not have the information at this time anymore because it's been so many years ) it was not explained clearly to me the guidelines and they never sent back my paperwork nor did they respond to any more of my letters requesting the reason why. I contacted the school and was told that it was for doctors, students oversees, and foreign students but the dept of education was saying it was for all students. But I decided to submit the paperwork again and I told them it was wrong and that the school told me about this and I wanted to know why I could not get the forgiveness. Then several years later I heard about this program again and also heard that the Department of Education was dismissing student loans I reapplied again to the Department of Education for the dismissal then I received a letter ( XX/XX/XXXX ) from the Department of Education saying that I had no student loans which this letter I do have. I retired XX/XX/XXXX and in XX/XX/XXXX I started getting letters and information from the list of companies listed below. US Dept of Education Fiscal Service, XXXX XXXX XXXX XXXX, US Dept of Federal Offset Unit, XXXX XXXX XXXX, Navient XXXX XXXX , XXXX, US Dept of Education Recovery , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XX/XX/XXXX my bankruptcy was discharged and no one came forward to say anything about these loans but I did get the letter XXXX saying I had no loans I'm confused on what is going on it has been over 17 years and they are doing this I am on a fixed income and retired and now someone is taking money out of my retirement ( the amount keeps changing ) I called each company they say its not them I called the department of education they say call the company but in the mean time they are taking the money from my retirement check and no one wants to help me or answer questions I have. This situation has caused me a very bad financial hardship. I have tried to get this resolved and no one wants to help me no one is giving me answers but they keep taking the money which has now caused me a Financial Hardship. I am XXXX years old retired and need your help.
Company Response: Closed with explanation

Timely Response

2019-10-01

Hauppauge, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-01

Hampton, VA

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

Euclid, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: Recently in various news outlets such as XXXX XXXX and many others it was brought to my attention that Navient my current provider was engaging in illegal or deceptive practices which involves pushing students deeper into debt by making them forbearance on there loans causing the interest to swell up and make it impossible for the borrow to pay back the loans. With this new information the company should be shut down forever by the government for there illegal and deceptive practices and the money I paid the service provider should be repaid to me in full plus the remainder balance of my student loans along with other should be wiped clean. This is illegal and they should not be allowed to do this or have an operating company.
Company Response: Closed with explanation

Timely Response

2019-10-01

Hinsdale, IL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: Navient place me in forbearance and wont allow any other options. I am still a XXXX student and have been in forbearance for a couple years. The interest is high and they wont work with me, and have said its my only option.
Company Response: Closed with explanation

Timely Response

2019-10-01

Huntsville, AL

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: After graduating from XXXX School in 2005, I attended XXXX University. During my tenure as a student, I acquired significant private student loan debts ( mostly through Sallie Mae, now Navient ) to try to stay afloat. I was not able to secure much federal aid due to my parent still claiming me as a dependent. I did not end up attaining a degree from XXXX University nor have I since entered a career space based on my studies there ( XXXX XXXX ). I was never living some high life with a new car or a nice place to live. After dropping out of XXXX due to financial reasons -- looming student loan debts with no means to secure enough educational funding to continue -- I eventually entered the workforce via the best means available to me without a degree. Despite having steady, salaried work for years ( 30-45k per year ), I could not make a dent in my loan debts being barely able to afford the monthly minimums on top of basic needs ( food, shelter, transportation ). There were multiple times after I lost my most recent job ( XXXX ) and I returned to school, that forbearance was offered to me as an escape from default. Currently, I am an a better financial position in a secure, degreed career path. However, the private loans still loom in greater amounts than ever before. I'll be able to scrape and scrounge to try pay them back in the next 10-15 years while any chance of owning a home or moving forward in life before turning XXXX quickly vanishes.
Company Response: Closed with explanation

Timely Response

2019-10-01

Atl, 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

2019-10-01

Phila, PA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-10-01

VA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I was encouraged to defer my loans and was not given other options for repayment.
Company Response: Closed with explanation

Timely Response

2019-10-01

Brooklyn, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I've had my student loans for a number of years. In XX/XX/2008 I was unemployed for a long time, working temp positions. Navient would not allow the income base, they only suggested they gave was forbearance for about 7 years, which added additional interest. Now the interest has gone over the amount I spent on my education. I've asked them to eliminate some interest whereas the loan would be payable at a reasonable monthly amount. My loan is now close to XXXX and my education expense was about XXXX. They refused to do anything but offer income base, based on XXXX. I can not afford that monthly payment.
Company Response: Closed with explanation

Timely Response

2019-10-01

IL

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: On several occasions I've tried to have Navient reduce my monthly payments. For months I begged and tried to explain my situation to Navient. I eventually fall behind. The only thing they offer me is the a temporary rate reduction plan. Where for 12 months my interest is lowered to about {$75.00} a month. I've completed the program twice now and each time the amount of my loan increases. The loan was originally for {$5000.00}. I owe about {$10000.00} now. My cosigner is unable to help due to her own illness and unable to work and they still refuse to do anything but keep putting me back in the rate reduction program. I would like to get my payments down to about $ 95- {$100.00} where I can actually afford them. I am currently behind {$240.00}, I believe I'm 2 months behind. I'm currently back in school for my XXXX XXXX and they refuse to do an in-school deferment either. They also call me at least 4 times a day and they also use this company XXXX XXXX to disguise their number just to get through to me, even though I've already talked to Navient for the day and told them I was at work and couldn't talk. They keep offering me the rate reduction program but all it does is increase the amount of money I owe them.
Company Response: Closed with explanation

Timely Response

2019-10-01

Ashville, OH

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I have been paying on my student loan for over 18 years and the balance of the student loan dont seem to reflect payments applied and interest has been applied incorrectly. Balance from department of education to Navient was also done incorrectly where the principle balance was incorrect.
Company Response: Closed with explanation

Timely Response

2019-10-01

TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have been paying on this loan since XX/XX/2011 my loan went from XXXX to now XXXX they not applying any of my payments to the principal, I've had some late fee and deferments, but I have paid over XXXX on this loan and they find a way to add it to my principal, I talked to them about it and they told me something about capitalize interest, that I don't understand, I can pay XXXX a month for the next 10 yrs and still be @ the same balance I don't think it's right, my balance would be lower.
Company Response: Closed with explanation

Timely Response

2019-10-01

AL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I attended XXXX University for XX/XX/XXXX-XX/XX/XXXX, but was withdrawn due their changing the XXXX track for XXXX XXXX and a balance due of {$1100.00}. A loan of {$20000.00} was paid to XXXX, an interest check of {$20000.00} was paid to XXXX in XX/XX/XXXX by Navient. This was initially Sallie Mae. Since this time, the {$20000.00} loan has accrued interest totally {$250000.00} as of XX/XX/XXXX. The monthly payments average {$2500.00}. I can not pay this amount and should not be required to pay this high interest. Furthermore, I did not obtain a XXXX degree from XXXX. This high balance has affected by credit, getting employment, loans, and overall way of life. I have been unemployed for almost two years, but may be able to settle this account for a one time payment of {$2500.00}, with a forgiven balance, with this high account be removed from my credit history.
Company Response: Closed with explanation

Timely Response

2019-10-01

Effingham, KS

Threatened to contact someone or share information improperly

Debt collection: Federal student loan debt

Talked to a third-party about your debt
Complaint: Pioneer, a division of Navient, has contacted friends and family about my student loan debt, even though they spoke with me at my phone number and I confirmed my address, which hasn't changed for 18 years. I am in the process of consolidating my loans, which I told her, and she insists that I work with her. I have been ignoring a dozen cell calls daily while I'm at work, and she is also repeatedly calling my wife 's cell at work. Yesterday and today, she has called my daughters, a friend 's daughter, friends, and my sister-in-law. We have the voice mails she left as evidence. This would only be okay if she was trying to locate me, which she doesn't need to do, since I spoke with her 3 weeks ago and confirmed my address, when she reached me at my phone number. I want her punished to the fullest extent of the law.
Company Response: Closed with explanation

Timely Response

2019-10-01

Coral Springs, FL

Incorrect information on your report

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

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-01

Nyc, NY

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-10-01

Austin, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-01

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-09-30

Columbia, MD

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

2019-09-30

Phoenix, AZ

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-09-30

CO

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I do not have dates currently but wanted a record of a formal complaint. I have since consolidated but loans but previously had them with navient. I was a student that they offered forbearance to and they did not speak about income driven payment until it was in the news. The cost of the forbearance was that it just about doubled my loans. The final number ended up being {$160000.00} and should have been around {$80000.00}. I would also send in payments weekly and noticed they were not allocating my payments correctly. They would claim it was a glitch in the system. Due to the way interest is added I will never know if all my payments were ever accurately fixed. It just felt wrong they were able to claim a glitch a move on. I am happy to provide any details in the event you need further information.
Company Response: Closed with explanation

Timely Response

2019-09-30

Atl, GA

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response