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 34
2019-09-05
Greenville, AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2019-09-04
Berkeley Lake, GA
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
2019-09-04
Euclid, OH
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: I was with Sallie Mae in 2007 when I attended XXXX XXXX. I didn't not anything about Navient taking over for Sallie Mae until I seen it on the News. I have asked Navient to send me documentation stating that I authorized them to take over my loans and I would continue to pay them instead of Sallie Mae. I have sent letters and talked to customer service reps and all they send me are the loans from Sallie Mae.
Company Response: Closed with explanation
2019-09-04
Bronx, NY
Took or threatened to take negative or legal action
Debt collection: Private student loan debt
Threatened to sue you for very old debt
Complaint: Date : XX/XX/19 Amount due : XXXX Navient Account Representitve : XXXX # XXXX I called in to speak with a representative to learn more about my options so I can come back to take my next steps before my deadline of XX/XX/19. The phone call immediately became hostile when I was threatened with an account closure and lawsuit if I didn't agree to the first set of terms they provided to me.
I repeatedly asked him to not threatened me and my phone call was simply to collect information so I can get my accounting straightened out in order to make the proper payments. He also minimized and had 0 empathy towards my current financial situation to the point where I felt belittled.
His whole agenda was to get me to agree to the 1st set of terms which I eventually did, however, I called back the next day and learned about a new set of terms which XXXX was reluctant to inform me on. XXXX withheld information from me that would have benefited my financial situation as a father of XXXX and XXXX in the XXXX XXXX who is underpaid, just to check off one of his boxes as a successful call.
In the end, I agreed to the 2nd set of terms that another rep provided to me. I am truly disgusted with the customer service and lack of empathy and valuable information XXXX withheld. It caused me stress and fear that I couldn't feed my kids that very night because of the 1st set of terms I agreed upon. XXXX took this call very personal and was condescending during the whole call and lost all sight of his training.
These tactics need to be reviewed and dealt with at a high level. No one should be treated this way.
Company Response: Closed with explanation
2019-09-04
Scottsdale, AZ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have been making extra payments on my loans to get them paid off. I was originally paying from my checking account with electronic payments. I could see when the check was cashed and that it did not post for several days after the check was cashed. I called and spoke to someone to find out why as this was costing me interested in significant amounts, which of course slows down the repayment. I was told if I paid through the Navient website on their app it would post the day I made the payment, eliminating this problem. Now I am finding that my payments still do not post for a couple of days after I make the payment through their website, again costing me additional interest charges. I called today XX/XX/19 to find out why this was happening and was told that this was just the way it was, that they could not promise me anything, that it takes time to process. I run a business and this is not correct bookkeeping. Payments should be posted the day they are received and no addtional interest should accrue on the money that was paid. I can not get help with this through Navient!!!! this is wrong and expoloitative.
Company Response: Closed with explanation
2019-09-04
Crossings, FL
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Company Response: Closed with explanation
2019-09-04
Chicago, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-09-04
Oakland, CA
Communication tactics
Debt collection: Private student loan debt
Used obscene, profane, or other abusive language
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-03
Maiden Rock, WI
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: When I finished school in 2016 I was already behind 1 year in payments and I should have been in forbearance until I graduated. I called them in 2016 to tell them I just graduated. I had called every six months to stay in forbearance because I could not make a payment. I am current on my payments but still shows I am 13 different months late and the status is affecting my credit. I wish I would have never went to college because the loan repayment is affecting me to get a loan for anything and just makes the whole experience terrible.
Company Response: Closed with explanation
2019-09-03
Philadelphia, PA
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: I have been paying Salliemae, now Navient since 2007. The initial loan was for {$21000.00} and after it was sold to Navient it has now ballooned to me owing them an additional {$36000.00}. I did one semester in XXXX - I did not finish because I realized how much they were charging per semester that was not revealed up front.
I have repaid Navient, to date {$30000.00}. They charge me a 12 % interest rate and after I called to ask why wasn't more of my payments being applied to the principle they said I have to call each time to speak to a rep to ask that my payment be charged to the principle. On the website they do not give you that option which is very unscrupulous because XXXX and XXXX both allow payment to be applied on your interest or principle.
Company Response: Closed with explanation
2019-09-03
NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: My loan is supposed to be deferred until six months after I graduate. That would be XXXX. However I finally get a voicemail from them and get access to logging in the portal and somehow they are behind? They also show the payment starting on XX/XX/19 but its XX/XX/19 today and Im behind three months. I will not tolerate this.
Company Response: Closed with explanation
2019-09-03
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: Currently, I have a private career training loan serviced by Navient. I have returned to school and recently been unable to pay on schedule. My co-signer receives 4-6 phone calls a day, despite our efforts to be in contact and make payment arrangements and advise Navient of the fact we are currently working with our bank to secure a consolidation loan. She will sometimes get one phone call an hour in the mornings. It is harassment so far as I can tell from the FDCPA. She has been told she would be removed from the auto-dialing list and has not been removed.
Over the past two years I was led to believe by multiple Navient agents that I still had time and could continue my forbearance ( while I am in graduate school, and unemployed ) as long as I continued to call, make my good-faith payment of {$50.00} and extend every three months. I have a private trade-school loan that's very old, I am aware this limits my repayment options and I was told it would run out eventually but was also advised by Navient agents that if I called when it did, it was likely they could work with me to extend it if my financial situation didn't change. I was not advised of the 12-month limit clearly. The agents misrepresented the availability of options to me using soft language that they would " see what we can do ''.
In mid-XXXX of this year on a visit back home to California from XXXX where I live for grad school, I called Navient again to attempt making payment arrangements. I was told that my forbearance time was up, but I hadn't used any deferement time I was " entitled to ''. I felt I had been led into forbearance wrongly for a year and immediately began the application process for in-school deferement including proof I was attending an accredited university for my masters.
Only upon my letter of rejection for this relief was I informed that my loan type did not in fact qualify. I lost approximately a week of time waiting for this answer, the time and expense of printing and faxing and emailing XXXX. This is time I could have been using to find other avenues to pay and put me further behind. I called to ask why I was not informed that my loan type didn't qualify automatically when the agent has my loan information in front of them any time I call. They said they did not know and that I had been misinformed and apologized.
On XX/XX/XXXX I finally requested to speak with a supervisor, around XXXX pacific time I spoke to XXXX XXXX operator # XXXX. I was advised I should read my promasary note to understand my loan terms, implying it was not the agents ' responsibility to provide me with accurate and up-to-date loan information or to simplify loan payment in any way. After arguing my case, I advised the agent that under no circumstances could I pay back the loan at present and asked for some kind of flexibility. Lowering monthly payments, interest rates ( currently at 14.25 % ) any option at all to make payment more feasible, I was told he could work with me to at least lower interest rates.
I was told both my co-signer and I had to make financial statements. I called in the following day because of the time differences to provide my financial information after my co-signer had given a financial statement. After I did so, I was denied any change in my terms or otherwise any help to make payments.
Beyond this, Navient refuses to call me directly at my own phone number because it is XXXX, international. As a result, they only call my co-signer and I do not receive direct communication via phone from them unless I call. They also say they can not accept payments from international bank cards, although I use a very large XXXX bank endorsed and accepted worldwide. Due to the misinformation and logistical difficulty in making payments when I can, I can't help but feel I have been purposely mishandled to extract late fees or more interest.
Company Response: Closed with explanation
2019-09-03
Modesto, CA
Struggling to repay your loan
Student loan: Private student loan
Can't temporarily delay making payments
Company Response: Closed with explanation
2019-09-03
Agra, OK
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: XX/XX/XXXX, I started the process on refiling my income based plan and there is no way to file the paperwork electronically unless IRS data collection was configured when I was still a student and filing for FAFSA. Since I am in repayment I can't enable the feature that would let me file the annual form electronically. There is no excuse for a federal loan servicer to not have the ability to upload documents and forms digitally to expedite the process, especially considering the sensitive information that is sent via mail and preventing identity theft.
The process is made more convoluted making it more likely for the deadlines to not be met.
Company Response: Closed with explanation
2019-09-03
Mount Vernon, NY
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
2019-09-03
Eastchester, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I contacted the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my report
Company Response: Closed with explanation
2019-09-03
Washington, DC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-09-02
Port Charlotte, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-09-02
Dunnellon, FL
Communication tactics
Debt collection: Private student loan debt
You told them to stop contacting you, but they keep trying
Complaint: Navient called me this morning for a 3 week past due payment. It was XXXX on Sunday. After they confirmed my identity the woman refused to tell me who was calling. She ignored my questions. My parents are elderly and I was worried it was a hospital calling. Once she told me there was a past due payment I knew it was Navient because thats the only outstanding payment that I have. Isnt it legally required they identify themselves when asked? Navient is such trash anyways for their predatory practices- they need to ID themselves when asked who they are.
Company Response: Closed with explanation
2019-09-02
Belvedere, GA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: Starting in the summer of XXXX, I started repaying Sallie Mae. At the time, I was making {$1200.00} per month and Sallie Mae asked for {$800.00} per month. I paid it, but I called and tried to ask ask for lower more feasible amount. They threatened and tried to intimidate me by saying that they can make things worse for me and would never help me. I knew then that Sallie Mae was unscrupulous and feckless. A year later, I began XXXX XXXX and my loans were deferred. I left that educational experience two years later and contacted Sallie Mae and they said no payments were do. For some reason, they did not contact me for another two years. By then a mass amount of money was accrued. My {$90000.00} became {$150000.00}. In XXXX, my battles with Sallie Mae which is now Navient became a constant in my life. Every 6 months to 12 months, they would change the payment rate or increase the interest rate. I would call them on these issues and they would say " Its at our discretion '' " We can change the amount anytime we want '' " We will take your house and other belongings '' " You should borrow the money '' It was disgusting. I asked for my promissory note or contract with Sallie Mae and Navient would not send it for 4-5 years. When I finally received it I realized that they had my father listed as a cosigner. Now I made sure several times I did not have a cosigner. In fact, the company said my father was ineligible to be a cosigner. Navient sent me falsified, vague documents and can not keep up their several lies. Recently, Navient has increased my payments to {$1300.00} per month. I am not working and I am full time student. Even if I had a job, I would not pay that insane amount of money per month. I tried to have my father released as cosigner, but they refuse. When I meet all the criteria to have my cosigners released. My father has XXXX XXXX and can no longer work. My mother has four XXXX XXXX and can no longer work. However, they are so quick to say " I don't care '' " Thats your problem ''. When in fact it should have never been a problem. I never signed on with cosigners. I do not want to pay them anymore. I can not trust them to apply necessary payments. I can not trust them not come up with some large monthly amount that will beggar me more. They have said racist, elitist, and all around cruel statements to me when I needed assistance or when I could prove they were wrong. Navient is a feckless, lying company who does not care about the consumer. They want to destroy people 's futures or at best hold them back. They come up with copious amounts on whey they can not assist or treat the consumer fairly.
Accounts : XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2019-09-02
Baton Rouge, LA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: XXXX XX/XX/XXXX I am formally lodging a complaint against Sallie Mae now Navient with your bureau. I have been battling this company for nearly twelve ( 12 ) years. I informed Sallie Mae in XXXX of XXXX, that I neither applied, approve, authorized nor co-signed for any loan or loans for XXXX XXXX. Whenever, I considered the average semester student cost ( XXXX University ) of nearly {$1600.00} for XXXX ( who lived at home ), I can't justify why any financial institution would ever approve reference # XXXX for any of the numerous loans of # XXXX for {$1800.00} ; {$8400.00} ; {$6500.00} and {$18000.00} respectfully? Furthermore, at no time did Sallie Mae contact me directly to verify, before executing any of these loans.
In addition, I have obtained copies of these loans over the years and there is no actual or physical signature on any of the loan, neither mines nor XXXX XXXX, just a computered or typed in signature. Over the years, I personally have not made any monthly payment on any of these unrealistic loans.
Since the sale of or just name change to Navient, I have stated my position as previously declared to Sallie Mae. Currently, they have declared the loans are in default and up for litigation or settlement with a reference to a IRS 1099-C. The settlement offer of {$10000.00}, would allow me as co-signer to be waived for the loans. Frankly, if I could afford it, I would not pay for any of these loans that were never authorized or approved. Furthermore, had Sallie Mae performed its ' due diligence these loans would have never been executed.
Thank you in advance for your assistance concerning this matter. Yes I be will fighting this to the bitter end and am accepting any help or suggestions concerning this matter.
Cordially, Ms. XXXX XXXX
Company Response: Closed with explanation
2019-09-02
WA
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: XX/XX/XXXX XXXX XXXX Navient Office of the Customer Advocate XXXX XXXX XXXX, PA XXXX Ms XXXX, Thank you for finally providing a name to communicate with and your response of XX/XX/XXXX, as it proves you are NO advocate for your customers.
You were asked one simple question : What dates concurrent with my XX/XX/XXXX IBR submission will satify you?
Instead of an answer, I receive your assertion that all is well, and that I must now submit a recalculation request? WHY was this information not in the months of replies I received previously?
This is just one more ploy to continue bleeding me dry. You clearly have made NO ATTEMPT to review the entire communication string. I have requested the recalculation, in writing, multiple times and been ignored. You have a statement from my current employer in XX/XX/XXXX to the effect that my salary had decreased. You have copies of my paycheck statements, which CLEARLY demonstrated that I have not made more than $ 60-65,000 since XX/XX/XXXX.
NOW you need another XXXX document? You know perfectly well that circumstances change, and your own website states that when this happens, proof of new income level ( paychecks, etc. ). There is nothing about an additional form.
Why was I not sent a link to this precious form in any of the prior communications? There can be only one reason : to continue to bilk me out of monies you have no right to! The law gives you NO RIGHT to calculate repayments off of my gross earnings. You are entitled to a percentage of my discretionary income, yet every year, instead you attempt to skim that percentage off my gross income instead. https : //studentaid.ed.govXXXX IBR Plan Generally 10 percent of your discretionary income if you're a new borrower on or after XX/XX/XXXX*, but never more than the 10-year Standard Repayment Plan amount Generally 15 percent of your discretionary income if you're not a new borrower on or after XX/XX/XXXX, but never more than the 10-year Standard Repayment Plan amount My rent and utilities is approximately $ 1500/month am I expected to sleep in my car?
My credit card balance is {$11000.00}, due to an unexpected surgery for one of my dogs was I supposed to let her die? Do you expect me to ignore my credit card repayment so that you can take more than your fair share?
I am already down to bare bones to afford the necessary XXXX foods my pets and I require, and the vet bills for my rescue dogs unexpected health challenges. I have a 7-year-old XXXX phone, and a wi-fi only internet connection. I live in a XXXX apartment, subjected to noise, smoke, rats occasional roaches and shootings. No frills, no cable, no expensive phone plan, and I mostly staycation so that I can afford to pay my student loans!
You will kindly provide the XXXX form you suddenly say you require. And you will kindly come into compliance with the law, and base your repayment percentage on my disposable income, instead of my gross income. You will also kindly begin the process of loan forgiveness, as I will have been paying on my student loans consistently since the year XXXX, and I believe that I am eligible for loan forgiveness after 20 years?
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Company Response: Closed with explanation
2019-09-02
Citrus Heights, 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
2019-09-02
Foothill Ranch, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I have been paying my student loan on time for several years.I had requested to pay more each month approximately $ 100- $ 200.00- but Navient wont approve it. I am on a payment plan of lower payments due to my income ( approx. {$64.00} ). I made a lump sum payment ( approx : {$500.00} ) on XX/XX/2019 because I had saved some money. I want to keep paying every month according to what I can afford.
Navient approved me to continue the low repayment plan in XX/XX/2019- however all of a sudden in XX/XX/XXXX and XX/XX/2019 Navient increased my payment to {$960.00} approximately half of my total wages.
I called Navient on XX/XX/2019 and instead of continuing my repayment plan as was established they insisted on a Forbearance- now they are again saying I must pay an amount that will be impossible. ( half of my wages ) It is very difficult to manage the process with Navient-I am not a loan expert. I want to pay my loans as I can afford and I have been diligently. My account shows I have been on time and paying for several years without lateness. Please help me to fix this problem.
XXXX XXXX XXXX -Navient Loan # XXXX
Company Response: Closed with explanation
2019-09-01
AR
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Complaint: Navient Is reporting delinquent history. They are purging which is the same as re-aging.
The bureaus are reporting inaccurate information. The Credit Bureaus are not doing a good job of updating accurate information. Two other issue not reporting correctly. XXXX XXXX XXXX paid as agreed. XXXX XXXX belong to a family member and was in a bankruptcy..
Company Response: Closed with explanation