Navient Solutions, LLC.

2019-08-18

IL

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: I started an investigation of my Navient account with all three credit bureau, because XXXXis saying my student loan is paid in full. However XXXX and XXXX are stating theaccount is not paid, above all the Navient account has been paid off since XX/XX/XXXX oflast year. Since then I have contacted my lender who states they can't control what the bureauare reporting and that I need to talk them. This limbo between the bureaus and my old lenderhave gone on for a while now and I keep requesting investigation but they are not helping.
Company Response: Closed with explanation

Timely Response

2019-08-18

Cimarron Hills, CO

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

2019-08-18

Barnegat, NJ

Struggling to repay your loan

Student loan: Private student loan

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

Timely Response

2019-08-18

Dallas, 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 have 3 student loan accounts from the creditor Navient. On each of the 3 loans theres reported late payments from XX/XX/2016 - XX/XX/2016. This information is inaccurate as the loans were in forbearance at the time and no payment was due. The FCRA forbids XXXX from reporting this information because it is inaccurate and I have provided an abundance of information proving it to be inaccurate. A)  Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. . (B)  Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if . (i)  the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate; and . (ii)  the information is, in fact, inaccurate. XXXX only states they are submitting a "dispute" or "investigation". Black's Law Dictionary defines an investigation as INVESTIGATION. To follow up step by step by patient inquiry or observation; to trace or track mentally; to search into; to examine and inquire into with care and accuracy; to find out by care- ful inquisition; examination; the taking of evi- dence; a legal inquiry. XXXX XXXX XXXX, 49 Mont. 46, 139 P. 999, 1001; People ex rel. XXXX XXXX XXXX, 217 N.Y.S. 477, 479, 127 Misc. 791. Application of Gilchrist, 130 Misc. 456, 224 N.Y.S. 210, 219. I have provided a preponderance of irrefutable evidence and information to assist in XXXX investigation. XXXX is violating my rights as they are granted to me under FCRA, and falsely misrepresenting themselves as an authority capable of deciding against the ruling of the U.S. high court and Federal Trade Commission, the governing body over the FCRA.I have attached an email showing my request for forbearance during the reported period, a letter from Navient confirming my account was in forebearance during the time, a historical report of my loan status from the National Student Loan Data System, and the FTC Harris Advisory opinion which is a ruling that states plainly, this information should be updated.
Company Response: Closed with explanation

Timely Response

2019-08-18

Moapa, NV

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: Yes i received a letter today from Navient that my account is under review for litigation for a balance of XXXX and I have 15 days from the date of the letter to respond. My mother and I took the private loan out in XXXX XXXX when it was sallie Mae when I was attending college in Illinois. I have made payments throughout the years when Navient had a “program” called interest only payments where Navient lowered my payments to what I can afford. Then as of XXXX XXXX Navient says they no longer have the program and can not help me or my mother and pay now or else. I was paying XXXX per month now this year my payments jumped to XXXX per month due to “interest.” When I ask for documentation for the program no longer existing or other program options or even loan term agreements they refused to send documents to me via mail. They continue harassing my mother and with threatening calls as well. I want to this to end immediately and to come to a agreement where I can afford my payments based on my income. Thank you for your time and patience!
Company Response: Closed with explanation

Timely Response

2019-08-18

N Haven, CT

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: My name is XXXX XXXX and I attended the Institute of art in XXXX MA in XX/XX/XXXX and XX/XX/XXXX. I am looking for relief from a private loan that has been existent since XX/XX/XXXX. The financial process has become unbearable with Navient and I am honorably requesting a relief from this loan. The loan was payed faithfully for over 10 years and it seems that it barely affects the balance.I did not attend after XX/XX/XXXX and I have run out of options for getting help, so I will seek further sources but I'm presuming that this school had control over this loan. Please email me with any information to relief this redundant debt that has left a mark of struggle for years. I will provide the loan detail with response and trust.Thank you
Company Response: Closed with explanation

Timely Response

2019-08-18

San Jose, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2019-08-17

Taft, OH

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-08-17

Rockwell, NC

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I have several loans with Navient that were reported late around XXXX of 2017. This was in error as the company had not applied the agreed forbearance or deferment. After several months this came to my attention and the account was rectified with charges reimbursed and the proper status applied to the account. The account service did not correct the late payment history and as such the 6 loans each report 5 late payments adding 30 late payment marks to my credit report and affecting my credit score negatively by more than 100 points. This drastically affects my ability to get a home and provide for my family. When calling Navient some representatives apologize and tell me they will correct the mistake. Several months later the error still exists and when I call back new representatives tell me they will not make the change and there's nothing I can do. This error was made due to their loan servicing and needs to be corrected to remove the late payments as such.
Company Response: Closed with explanation

Timely Response

2019-08-17

DE

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Well basically they’ve directed me to put my loan in forbearance multiple times and didn’t give me the opportunity to use the income based plans.
Company Response: Closed with explanation

Timely Response

2019-08-16

Battle Creek, MI

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

2019-08-16

OH

Incorrect information on your report

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

Account information incorrect
Complaint: Looking at my credit report and checking my loan balances i noticed that all of my student loans through Navient have a 0 % repayment. I have been paying on them for a little over a year now and the loan balances have gone up and not down! How is this even possible?
Company Response: Closed with explanation

Timely Response

2019-08-16

NM

Incorrect information on your report

Student loan: Private student loan

Information belongs to someone else
Complaint: Two incidents of Identity Theft and Loan Fraud were detected in my credit report. Both were student loans issued to XXXX XXXX with me as the co-signer. I submitted fraud packets as requested by Navient and XXXX XXXX ( both attached ). XXXX XXXX release me of liability promptly ( release letter attached ). However, Navient seems indifferent, even though as per Fraud Affidavit, I am a victim of Identity Theft and Loan Fraud which resulted in unauthorized use of my personal information such as name, DOB, SSA #, and my tax return to obtain approval for a student loan for XXXX XXXX. I have never consented to, nor signed any documents relating to this student loan for XXXX XXXX in any capacity. Additionally, I have always personally signed loan documents ( promissory notes included ) usually notarized. I have never allowed electronic signatures to be used on my behalf for loan documents ( promissory notes included ). These details were related to Navient 's fraud department employee name XXXX ( ID # XXXX ) on two separate calls in which this employee express indifference and indicated my situation may or may not ever be resolved.
Company Response: Closed with explanation

Timely Response

2019-08-16

TX

Incorrect information on your report

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

Account information incorrect
Complaint: NAVIENT has failed to send the paid in full letter that been requested on three separate occasions. Once towards the end of XXXX 2019, a second time on XX/XX/2019 and a third time on XX/XX/2019. I still have not received the paid in full letter. I was advised I would receive the paid in full letter by the XXXX XXXX team, which is a direct team of NAVIENT contact number is XXXX. This team advised their records show paid off date as ofXX/XX/2019 on all three accounts.In addition, to requesting that paid off letters on three separate occasions I also received a call from a law firm stating that my loans no longer needed to be repaid because my loans were submitted into the NAVIENT lawsuit and all payment request from NAVIENT are to cease. This call was received after the accounts were paid through the law firm that NAVIENT obtained to collect the private student loans. The fact that they have not sent the letter to me, so that I can send it to XXXX as well as all the other credit bureaus is affecting my credit. I have contacted XXXX on serval occasions asking them to update the information and they refuse to because NAVIENT is failing to update XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-16

Boston, MA

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

2019-08-16

Arco, CA

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: Navient has steered me into forbearance multiple times. I recently found out that my account was past due but apparently Ive run out of forbearances, although i do not recall being told that there was a limit to them. They told me this on XX/XX/XXXX and then reported negative remarks on my credit report XX/XX/XXXX because I was unable to bring my account current by then. This has made my credit score drop over 100 points. I have tried to explain to them how unfair and wrong this is, especially since a supervisor admittedly told me today that they are not supposed to offer and or process back to back forbearances. But because they consider it an accurate reporting they are unwilling to help me. I am a parent with low income and I can not afford to accept this.
Company Response: Closed with explanation

Timely Response

2019-08-16

Newnan, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: This debt collection firm is looking for a person who is not at this number, to whom I am not related nor acquainted, and has not been in the 15 years that I've had it. This has happened repeatedly, and they are again making daily calls looking for this person.
Company Response: Closed with explanation

Timely Response

2019-08-16

Tarzana, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I had fraud on my student loan over XXXX. Sallie Mae held the loan. Navient bought it. Monies dispersed to a college I never attended in another county. College shut down and Ive contacted Navient fraud over 20 times, no resolve. They say since it happened before they bought the loan they arent responsible. I called FBI, etc and they did paperwork. I was sent notice from XXXX DC about my identity being compromised. Still no resolve and interest is growing. I need this issue resolved its been over 6 years trying to get someone to take responsibility. Navient also automatically defers and adds feed and compound interest without permission they just send notice of what they did to my account.
Company Response: Closed with explanation

Timely Response

2019-08-16

Ft Lauderdale, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I have spine. To Navient numerous times, I had a fixed interest loan, and somehow they keep increasing the interest rate. Additionally, they keep increasing my loan balance. The loan balance is almost twice what it was, and I have been paying back this loan for over 10 years. Can you please help to shut this company down?
Company Response: Closed with explanation

Timely Response

2019-08-16

Philadelphia, PA

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: Called to inform them that I was out of work with no income. I had to apply for government assistance. I am unable to pay my student loan and could I get help. They told me we cant help you. I said well I cant pay you. Im applying for XXXX there was no resolution. They continue to call and harass me about payment.
Company Response: Closed with explanation

Timely Response

2019-08-16

Rock Hill, SC

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

2019-08-16

Vicksburg, MI

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response

2019-08-15

Brooklyn, 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

2019-08-15

Finksburg, MD

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-08-15

Lake City, WA

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