Navient Solutions, LLC.

2019-09-30

Myrtle Beach, SC

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

2019-09-30

CO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have had trouble repaying my studebt loans for quite some time, mainly because I had attended college and graduate school with the promise to have a high paying career, and I have barely been making enough to cover standard Bill 's and living expenses. This has led to reaching out to Navient several times for assistance on my best options. Each time I have been directed to defer and I really didn't know better on how it would affect my total loan amount based on interest. Now my loan total has been increasing from this, and I am no closer to finding a job to reflect the education level I am in so much debt from. I feel like I have been given false promise on how I will be able to eventually make payments on my loans, mis directed on best ways to chip at my loan while trying to stay afloat with my bills, and even when i was making consistent payments before my last position laid off their sales team, I didn't see a decrease in my loan total, I just felt like I was only paying interest. I feel like I'm drowning with Navient loans and don't see a future where I make enough money to be free of them.
Company Response: Closed with explanation

Timely Response

2019-09-30

Hudson, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: As part of a new home loan a check was sent from a law firm to pay off my loan. The first check cleared the law firms bank on XX/XX/19. I called on three different occasions ( XX/XX/XXXX, XX/XX/XXXX and XXXX ) and was given three different answers. Finally I was told that the payment was sent to the wrong department and they were sending the money back to the law firm which could take up to 3 weeks. The law firm did receive the check back and sent the new check to them again. This new check cleared the law firms bank on XX/XX/19. I have once again called 3 times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and again have been given three different answers. I am now being told it will be posted to my account no later than XXXX and it will be back dated to XX/XX/XXXX. We will see what happens on XXXX
Company Response: Closed with explanation

Timely Response

2019-09-30

Quartzsite, AZ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Navient reduced my automatic payment on there own without notifying me. When I called up they told me I did it myself which I didnt, then they said it was because I paid off one of my loans. The only loan that was paid off was done in 2015. They reduced my payment a few months ago. So it was not this either. They were unable to tell me why they reduced this payment. The end result they switched my payment back to what I had set up. If I did not catch this it would have prolonged my debt by years significantly increasing the amount of interest I would have to pay to Navient. When I asked to file a formal complaint I was told I could not do so. They annotated my account and that is it. I wanted to report this because I want to make sure Navient is not doing this to others.
Company Response: Closed with explanation

Timely Response

2019-09-29

Albuquerque, NM

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Sallie Mae had the original loan for under {$20000.00}. Since being with Navient, there has been so many issues, from they had no record of previous payment, to check online about where your payments are going, to dealing with the rate reduction program. I have been dealing with the rate reduction am for 3 years, have made my payment on time, and most of my paymets go to interest. I owe them {$40000.00} now due to interest they have charged me. So for 3 years the amount I owe is still {$40000.00}, doesn't anyone besides me think this is wrong? How is this possible? I need help and have attached my info from Navient. I have also signed up again for rate reduction, but they are showing my current payment is over {$400.00} which is not and agreed to {$270.00} because I had to. I have been doing this rate reduction for 3 years and I'm not understanding where my payare going since I still show owing {$40000.00}. The people are not helpful, and say to look at the website, but the website shows all money I have payed going to mostly interest!!! Ridiculous
Company Response: Closed with explanation

Timely Response

2019-09-29

CO

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: When I graduated from college in 2008, during the recession, jobs were limited and I had XXXX dollars in student loan debt. Sallie Mae ( now Navient ) had then decided to raise the interest rates of my student loans from roughly an average of 5-7 % to 10-14 % on loans as large as {$22000.00}. As you can imagine, that destroyed my credit and I had to default on a few loans because I was working three jobs and paying for rent. Today, I stand with XXXX dollars in student loan debt, working as a XXXX XXXX XXXX and XXXX driver with two small XXXX and a XXXX who is also a XXXX. Every day we talk about how, if I had not had loans with this company, we would probably be in better financial standing today, tomorrow, and for our kids ' futures.
Company Response: Closed with explanation

Timely Response

2019-09-29

Holmes Center, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My wife and I currently have a student loan with Navient. The loan was transferred from SalleMae to Navient back in XXXX. Since our loan has been with Navient, my wife and I have seen our loans almost double. We are currently on an income-based repayment plan which was a program we had to find ourselves and was never offered by the lender. We didn't find this program until XXXX ( according to the records of filed IBR applications on StudentLoans.gov ). We contacted Navient several times to let them know we couldn't afford to pay our student loan. Every time we called, we were told we had to pay the full balance of what was due or we would be sent to collections. When we told them we couldn't pay, we were told our only option was to go into forbearance. Due to the unnecessary forbearance, we have see our loans grow substantially ( My loan at the time Navient took over was {$17000.00} and it is currently at {$31000.00}. My wife 's loan was originally at {$12000.00} and it is currently at {$19000.00} ). We trusted our lender was providing honest information to us, but after seeing our loans continue to grow in size, I feel that we were misled so that Navient could make a profit off our situation.
Company Response: Closed with explanation

Timely Response

2019-09-29

Ft Lauderdale, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX XX/XX/2019 Navient/Department of Education To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with Navient /Department of Education . I am writing to request an investigation with the BarrowDefense Department. I feel they are taking to long to review and make proper decisions.
Company Response: Closed with explanation

Timely Response

2019-09-29

Patterson, MD

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I am interested in participating in and potentially expanding the CFPBs lawsuit against Navient Servicing. For five years, I participated in a ISRP with Navient. During that period ( from XXXX ) I made all payments on time, and annually certified my income and status as an employee with the State of Maryland. Navient annually confirmed my employment and my income, and collected all payments. After paying for five years, I discovered that Navient was not a qualified service to participate in the PSLF program. When I switched my loans to XXXX, I was struck over the similarity of the application process. There was basically no difference, except for a one page form provided by XXXX that merely sought signatures and consent. I was then easily enrolled in PSLF, and am 24 months in. My concern is that Navient, for years, offered an enrollment process that resembled the application process for the PSLF and in doing so, mislead me, and probably multiple customers/students to enroll and make multiple payments with Navient all while believing that they were paying towards the PSLF when in fact, no such credit was accruing. I believe Navients enrollment process was intentionally misleading, where they were aware of the PSLF and knew of my eligibility through the information they collected, but omitted providing any information to let me know that my payments were not building up PSLF credit. This process is designed to confuse customers. The only reason I figured out what they were doing is that I changed jobs within XXXX XXXX and wanted to confirm that they were aware of my new job and contact information. I learned soon thereafter that I had accrued XXXX credits in the PSLF and, was beginning at month one.
Company Response: Closed with explanation

Timely Response

2019-09-28

TN

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: I have 3 - Tuition Answer loans with Navient. All loans are reported correctly with all of the credit reporting agencies, except to XXXX, only 1 of the 3 loans are reported on my XXXX credit report. I have contacted XXXX through disputes and phone calls who insist it is up to Navient to report the loans. I have contacted Navient, by phone who insist that XXXX has to change this on my credit report. Both loans missing from my credit report have outstanding balances which I make payments on every month. My XXXX Credit report is not reporting 2 of my 3 Navient loans which are in good standing. One of the loans missing from my credit report is over 12 years old and the other missing loan is over 11 years old. The incorrect reporting has been in this incorrect status for years, and neither agency will correct or remedy the situation. Please help! Thank you, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-09-28

Jupiter, FL

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: Original loan was for {$10000.00}, I have paid back from 2012 to now XXXX to date and still owe XXXX. I never agreed to such terms. It has ruined my credit because it saying I havent made payments on 4 loans. Which they are responsible to manage.
Company Response: Closed with explanation

Timely Response

2019-09-28

Mercer, PA

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

2019-09-28

MI

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: Navient is trying to default my student loans in the amount of {$3700.00} on XX/XX/19. I recieved a letter stating the initial default today on XX/XX/19, which is two days the loans is set to default. I have been in constant contact with Navient in an effort to resolve this matter. I have legal proof that my account can not be declared uncollectable. I have financial statements proving I made these payments that they claim I am in arrearages of.
Company Response: Closed with explanation

Timely Response

2019-09-28

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: Navient since 2010 allowed me to continue forbearance without proper counseling of repayment options. I've since accumulated so much interest that I owe XXXX on a smaller debt.
Company Response: Closed with explanation

Timely Response

2019-09-28

Cocoa, FL

Incorrect information on your report

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

Account status incorrect
Complaint: Navient, XXXX XXXX, XXXX XXXX PA XXXX, incorrectly had my account 4 months in arrears and notified the credit bureau, resulting in my FICO score dropping over 100 points with an extreme delinquency or bankrupt narrative written on the report. As a result XXXX reduced my credit available as did XXXX. Causing me a huge economic crisis in what has been a transistion year as I retired, dealt with medical issues and affordable housing. I had been in forebearance ( which Navient charge to set up ) and never received any indication of a problem with my loans. So basically between the incompetence of Navient and the unaccountability of the credit reporting XXXX in this country I have lost both credit cards as I closed them out since I couldnt use them but was expected to pay a yearly fee. Please advice who I can approach to sue both parties as the dollar is all that matters in this country.. I was informed yesterday that next months report should reflect the correction! TOO LATE for my credit requirements. Through no fault of my own. thank you XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-09-27

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-27

Great Neck, NY

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

2019-09-27

Las Vegas, NV

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

2019-09-27

Wdbg, VA

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-09-27

FL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: Was told by rep that XXXX could be an option for loan forgiveness and when I called back for XXXX forms they took it back these folks are loan sharks, will not with you if offer to pay reasonable amount and not a mortgage payment they dont disclose the scam about taking all your expense in total to get fair is really credit bureau pull, this needs to be discolored the is deceptive trade practice
Company Response: Closed with explanation

Timely Response

2019-09-27

Missouri City, TX

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Company Response: Closed with explanation

Timely Response

2019-09-27

MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I have had student loans with XXXX XXXX XXXX somehow attached with Navient. Years back ( approx 15 years ) I went into default during a period of time that I lost my job and there was a mix up within the auto pay and application of deferred payments. At this time I was placed into default of my loan. Since that time until today I have been 100 % up to date with my loans but have tried with the company to have me removed, because of the negative impact to my credit score, from default. I have been up to date and current for well over a decade and they said it is completely out of their hands to remove me from default until 100 % of the loan is paid in full. On top of that last year ( XX/XX/2018) an additional approx {$5000.00} charge/loan was added to my defaulted loans that had nothing to do with interest charges and all attempts to find out where this came from have lead to receiving zero answers from the XXXX XXXX XXXX. I feel like I am being withheld information or given wrong information.
Company Response: Closed with explanation

Timely Response

2019-09-27

Zephyr, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Pioneer Credit Recovery Collection calls numerous time a day and never leave a message. I will not answer calls unless they're in my contacts. I found several complaints for this number, some have answered and they said they ask for personal information right up front and claim bogus amounts of money you owe. I can block the number but XXXX XXXX says they can get you money if they keep calling?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-26

Scottsdale, AZ

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I wrote a letter for forgiveness to student loan in the past and didn't receive any response!!! here is my story I'n XX/XX/XXXX I did not graduate H.S, was short by 2 English credits, along comes federal student loan trying to trick me into getting a federal student loan for the amount of XXXX.Also receiving XXXX grant money to go to XXXX XXXX colledge in XXXX , at the time I excepted the loan because they kept coming at me with it, everybody knows its a sensitive time after getting out of H.S, did they know where I was at in life! No, nor did they bother to care that I was an average student and didn't graduate! No, so not quite being ready for colledge I dropped out, I just wasn't ready and the reason being was from a injury that I received when I was XXXX XXXX XXXX XXXX when I was riding my bike on the road by our house in XX/XX/XXXX ever since that incident I had a hard time maneuvering thru life with the simplest tasks, i also tried to get help like S.S., I went in front a judge on XXXX XXXX to get help and I couldn't continue because the judge non sympathetic and didn't care, so there go our beautiful system at work! so after years of no payments at all towards my student loan, it then got transferred to XXXX XXXX, then now present day to Navient just under {$10.00} all in accrued interest, to finish off back in XX/XX/XXXX I did some sort of electronic paper work with Navient or XXXX XXXX putting my loan into foreberence and hardship, now I'm thinking that was a grave mistake because it made the the loan harder to forgive, another one of their tricks that they don't explain to you.so there is my story!!! ps if theres anyone that can help please do so or pass it on to someone who would take the time to care and relieve me of this 37 year old financial madness!!! so it can be forgiven!!!
Company Response: Closed with explanation

Timely Response

2019-09-26

Cherry Brook, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: In XX/XX/XXXX, I contacted Navient about qualifications for the Public Service Loan Forgiveness ( PSLF ) program with questions on the type of repayment and qualifications for the program. At the time I had consolidated my loans into a Federal Family Education Loan ( FFEL ). Navient did not inform me of the requirement to have the loan be a Direct loan or other requirements such as being in an income-driven repayment plan. I continued to make payments to Navient and worked in the public sector until XX/XX/XXXX. I filled out an application for the PSLF program in XX/XX/XXXX and the application was denied as I did not make payments through an income-driven repayment plan or consolidate my already consolidated FFEL loan into a Direct Loan. All of the actions that I took were based upon advice of a variety of Navient representatives over the course of 10 years. I have been working in the public sector for 20 years but do not qualify for the PSLF due to the reliance on advice from representatives from Navient regarding eligibility for the PSLF program.
Company Response: Closed with explanation

Timely Response