Navient Solutions, LLC.

2019-08-23

N San Juan, 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

2019-08-22

Van Nuys, CA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I took out a loan to go to school total of {$6400.00} in XXXX The school after a few months refunded the loaning company {$1500.00} XXXX XX/XX/XXXX ) I have been paying on this loan since I took the loan out. I missed a few payments in XXXX and talked with the company about setting up an autopay option. I was told that by doing so I was assured to pay off the loan faster. They ( Navient ) but me on a 20 year variable interest rate loan which I didn't agree to. I have been doing the auto-pay option since XXXX and they will take $ XXXX {$100.00} a month. After a few years I went to try and log onto my account online but couldn't, I got a message that the account was invalid. Money still was being taking out of my account. Recently I closed that checking account forgetting about the auto-pay to Navient. I have gotten numerous threatening calls at least 6 times a day. So I looked into how much I have paid on this loan, {$12000.00} on a loan for {$6400.00}. Navient claims that I still owe them {$3400.00} because it is a 20 year loan. I have put in request to speak with their Ombudsman, I have gotten a few responses but no resolve to my issue. Only that they are going to look into it further.
Company Response: Closed with explanation

Timely Response

2019-08-22

Arsenal, PA

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

2019-08-22

Phoenix, AZ

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: 3 years ago my loans were in default, I paid this shady company XXXX XXXX XXXX who said they were an arm of XXXX, I paid them {$600.00} for " filing fees '' then they submitted a payment plan revision to Navient, I think they skewed my family size and my earnings so that my REPAYE plan was like {$21.00} a month. Well two years went by and I figured I could re certify with Navient via XXXX XXXX XXXX,, you re certify by linking you 1040 IRS form to them and telling your family size, In my case I have a family of dependents my kids ( 3 ) and I am single Head of Household with I make XXXX, I pay mortgage, insurance, car payment, utilities, food, clothes, my youngest child 's tuition {$950.00}, homeowners insurance, etc my payment was {$180.00} a month to navient NOW I re certify and and send them and suddenly I am at {$420.00} a month! I CANT AFFORD THIS. they say its discretionary income that is unfair! I called and spoke to an agent XXXX and she told me we dont take into daily living expenses, I said what about a consolidation? she said yes you can and payment would be {$360.00} but extend the terms for 25 years and at the end I would pay {$95000.00} on XXXX of loans! that is a LOAN SHARK.So then I said what if i dont pay it she said we would keep your potential federal loan return, and we would report on your 3 credit bureaus your default and it could lower your credit by 50 points! I am appalled at the scare tactics that they are using, I said how is this possible you DONT take into consideration your living expenses?? I have no choices now I work as much as possible already I live quite lean for having 3 children to support. This is UNACCEPTABLE and we are stuck the fed govt sets the rate of interest on these loans and the repayment plans are a joke. Navient is NOT the Govt or an entity they are a private party managing govt loans
Company Response: Closed with explanation

Timely Response

2019-08-22

UT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have overpayments being directed to my lowest interest loans instead of my highest interest loans, which is contradictory to my overpayment Directions. This is causing me to not get the full benefits of my overpayment.
Company Response: Closed with explanation

Timely Response

2019-08-22

Deltona, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-22

Ancho, NM

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2019-08-22

Bedford, 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: I received a Private Loan from Sallie Mae back in College in XXXX. It was transferred to Navient. I have been fighting back and forth with intimidating customer service rep to get this loan taken care of. On XX/XX/XXXX I paid {$840.00} to the company to have my dad take off the loan. This was not a payment on the loan or at least that is what she informed me. I NEVER received a receipt, payment confirmation or there was nothing. She stated i would be responsible but my loan amount would be lowered. It was reported the same amount from XXXX. It has been 13 years since I have been dealing with this loans. There are so many different balances on each report. I I have requested payment updates, goodwill letters that was just sent XX/XX/XXXX, I have called multiple times and they keep reporting on my credit as delinquent as if it is a new loan. When I called on XX/XX/XXXX, she could not provide a reason and even after asking for assistance with the payment she gave me a collection agency number. It is so deceptive to report things like this. Its in charge off one month, the next month is failure to pay and the next it is 90 days past due. They keep reaging this loan each time it hit my credit report from another company. I have been trying to work with this company to no avail. This is affecting my score terribly.
Company Response: Closed with explanation

Timely Response

2019-08-22

Moore, OK

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

2019-08-21

Saint Clair, MO

Incorrect information on your report

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

Information belongs to someone else
Complaint: I was made aware of 8 fraudulent student loan accounts on my credit report on XX/XX/2019 by a company called Navient. I called the company right away and made them aware of the fraud and they refused to listen to me or do anything about it. I asked them to send me proof that it was my debt and they would not. Instead they informed me that they turned the accounts over to a third party collection agency and that they would not discuss them with me and that I needed to call them. I immediately called this third party agency and told them that this debt was not mine and they continuously told me that it was. I began to even break out in tears and demanded how unfair this was and to take the items off of my report immediately. I asked them to send me proof that it was my debt and they said it would take 5-7 business days to get the documents to me via e-mail. After a week I called them back and this time I asked for the manager and him how concerned, upset, and unfair I felt about this debt being on my credit and them still not giving me any type of proof of it or having any urgency to do so. He assured me that he could expedite the process and that he could get me something in three days. After three days nothing came. I continued to call this company day in and day out and almost daily from XX/XX/XXXX to this current day asking them to give me proof of this debt and they still continue to give me the same line about how they are waiting to get the documents from Navient well into over two months now. There is one same lady that I have spoken with at least a dozen times in this time period that I have been calling them over and over and her name is XXXX XXXX and her number at the company is XXXX. She has nothing to say to me other than that she is waiting to get the documents and sorry to me each time I call.
Company Response: Closed with explanation

Timely Response

2019-08-21

VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: I had a payment plan set up. I got evicted so I am homeless and trying to save to move into a new home, so I had to stop payments. I am now getting 6 calls DAILY after explaining that I can not make a payment at this time. Just today they have called at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XX/XX/XXXX ) and it is only XXXX XXXX. Voicemails are only left once every other day. the number is XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-21

Hillsdale, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: I spoke to Navient representative XXXX. XXXX on XX/XX/2019 at approximately XXXX EST. The beginning of the call went well ; however, when I expressed that the options given to me were not feasible. The representative soon became very rude and abrasive. The representative soon begun to mention threats towards me and mostly my mother. He made it seem as if he was the end solution in all matters. I am appalled at the lack of professionalism that was displayed in the call, I mentioned the time and date of the call so that Navient may pull up the call and hear the recording.
Company Response: Closed with explanation

Timely Response

2019-08-21

Oxford, GA

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXX,XXXX currently on my report from this school. I do not owe this amount. As a single teacher, I would never borrow this type of money. I could have gone to XXXX XXXX XXXX or even XXXX and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!
Company Response: Closed with explanation

Timely Response

2019-08-21

Del Rosa, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2019-08-21

Philadelphia, PA

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: I have been making payments towards my private student loans from Navient for years. I pay everyone sometimes even twice a month, and they still make inquiries on my account saying it's delinquent and it is not. This is keeping me from buying a home for me and my kids. I have pictures of my student loan account to prove I pay what I can afford.
Company Response: Closed with explanation

Timely Response

2019-08-21

CT

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-08-21

Hope Mills, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2019-08-21

Shulerville, SC

Incorrect information on your report

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

Public record information inaccurate
Complaint: I tried to contact Navient by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. Navient has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.
Company Response: Closed with explanation

Timely Response

2019-08-21

Amarillo, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-21

Casa, AR

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-08-21

Inglewood, CA

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-08-21

VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: During the time I attended school,XX/XX/XXXX toXX/XX/XXXX. I received federal loans by my loan service providers, Sallie Mae and Nazient. However I believe that my loans were designed in a way to prevent me from forgiving my loans under the program, Public Service Loan Forgiveness progtam, or were not forthcoming about any information about my loans which will prevent me from participating in the PLSF program Please see URL below https://XXXX
Company Response: Closed with explanation

Timely Response

2019-08-21

Chandler, AZ

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-08-21

Plymouth, MI

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-08-20

Indianapolis, IN

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: In XX/XX/XXXX, my daughter asked me to co-sign for a {$7500.00} student loan for a XXXX XXXX school. My daughter passed away on XX/XX/XXXX with an outstanding balance ( due to a bankruptcy in which Navient wasn't included, supposedly due to being a Federal loan ) of {$7800.00}. I notified Navient of her passing and was told to fax her Death Certificate and loan would be discharged. I continue to monitor my credit scores and this Navient claim continues, so I continue to call. Over my calling Navient, I get Customer Service individuals pressuring me for payment as was a co-signer. I have contacted other Navient phone numbers and was asked to resubmit her Death Certificate, which I did and as recently as yesterday was told that the loan would be discharged soon. I have never received any mail, or phone calls from Navient, only my persistence in trying to get this cleared from my credit, I'm almost XXXX years old, on Social Security, and still upset on the death of my daughter, to get put through a company that gives incomplete and different answers. Most of those demanding that I must pay are impolite and curt. With all of the indecision as to the loan discharged, or not is upsetting.
Company Response: Closed with monetary relief

Timely Response