Navient Solutions, LLC.

2019-08-15

Saginaw, MI

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-08-15

Phoenix, AZ

Unable to get your credit report or credit score

Student loan: Private student loan

Other problem getting your report or credit score
Complaint: My name is XXXX XXXX. I am currently a XXXX at XXXX XXXX College. I recently reviewed my credit report and was surprised to see that I had missed payments on my private and federal student loans. After doing some investigation, I realize that I completed both of my classes with a passing grade in the fall semester ( 2017 ) and this triggered my credit report on ( XX/XX/XXXX& XX/XX/XXXXof 2017 as missed payments ) and trigger an automatic repayment schedule. My loans should of been in in school deferment status after the fall semester ( 2017 ). I also sent out a letter to Navient directly and I haven't gotten a response back yet. it been about a few weeks now.
Company Response: Closed with explanation

Timely Response

2019-08-15

Nyc, NY

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I am unable to lower my student loan payments to an amount that is reasonable for some of my private loans. I have some private loans with Navient and some with Sallie Mae ( we were also not told and were not aware that these companies split and took put half of my loans with each provider ). They will not allow me to enter a lower payment plan, and only offered me temporary forbearance which will inevitably make my debt higher. I was on a lower monthly payment plan paying approximately {$390.00} on my Navient private loans ( which mind you does not include the Sallie Mae {$400.00} payments or my federal loan payments ). They are not telling me that I owe over {$700.00} a month on thee private loans. I have not been given any option aside from forbearance, or interest only payments which are still north of {$650.00} a month. This month, XX/XX/2019, I also received two emails within the same week stating that I owe two different amounts on my loans. It does not provide any context or clarity as to why I have received two separate statement. I should not have only been offered forbearance OR interest only payments which would not count towards my principal balance. These options do nothing but put myself as the borrower in a terrible position. Not only can I not afford what is being offered, going into forbearance will only cause my loans to increase.
Company Response: Closed with explanation

Timely Response

2019-08-14

Gibsonia, PA

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

2019-08-14

Ampere, NJ

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
Company Response: Closed with explanation

Timely Response

2019-08-14

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

2019-08-14

NY

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: On or about XX/XX/2019, Navient sent me notice indicating it had " recently received notice that you filed for bankruptcy '' and requested I send information regarding the First Meeting of Creditors. I don't know where they received information that I had filed for bankruptcy. On XX/XX/2019, the phone calls began. Some man with an accent started calling ( XXXX ) or something like that. He is unable to understand what I say to him - often misinterpreting what I say and then accusing me of lying to him afterward. On XX/XX/2019, I had enough, I laughed at the information he said back to me because I said none of those things. He said " I don't understand how you live your life, last time we talked you were crying and today you are laughing. '' I immediately asked to speak with someone else that was not rude but instead received a phone call from an unhappy woman that continually accused me of never wanting to pay back my loans. I told her the phone calls stress me out and she said " I'm gon na stress you out right now and personally refer you for litigation '' and then hung up on me. Today, XX/XX/2019, XXXX or whatever the man 's name is, called me and asked me how I sleep at night. This upset me. He again asked if I was laughing. Phone calls by these individuals treating me like I am some awful human being that committed heinous crimes because of my financial inability to pay {$1000.00} per month for the rest of my life should stop. I should also note that XXXX called and left my brother a voicemail indicating that I have " abandoned '' the loan.
Company Response: Closed with explanation

Timely Response

2019-08-14

Portland, OR

Struggling to repay your loan

Student loan: Private student loan

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

Timely Response

2019-08-14

Brentwood, TN

Improper use of your report

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

Reporting company used your report improperly
Complaint: XXXX XXXX XXXX/XXXX Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.
Company Response: Closed with explanation

Timely Response

2019-08-14

Washington, DC

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-14

Oxford, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: On XX/XX/2019, Pioneer Credit Recovery called cell phone numbers that are under my name ( XXXX, XXXX and XXXX ) looking for a XXXX XXXX XXXX. After speaking with the person that called, XXXX, I asked for a supervisor and spoke with XXXX XXXX. Ms. XXXX explained that they go on the internet and pull phone numbers for anyone with the same last name and call them to try to locate the person they are looking for. They should not be calling any of my phone numbers since I am not the person they were looking for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-14

Allerton, NY

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2019-08-13

NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: Navient has been the servicer for years. I have also not paid on my loan for many, many years. I am currently in a better financial place and have recently started paying on my loan. I am paying significantly more than the amount due. The problem is, is that when I wasn't paying I rarely, if ever received a call, email, or even a bill from Navient. Now that I have been paying the loan they are harassing me. They have called family members. Today, XX/XX/2019, they called at XXXX, XXXX, XXXX, XXXX and XXXX. I have repeatedly told them they could no longer contact me by telephone, and I will only accept communications by mail or email. They call at least once a day, every day but some days they call non-stop. I think I was better off not paying, then I wouldn't be harassed.
Company Response: Closed with explanation

Timely Response

2019-08-13

Boynton Beach, FL

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-08-13

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-13

Bargaintown, NJ

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2019-08-13

NV

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: Navient has submitted a 90 day late payment to the credit reporting agencies. Currently, I am almost 120 days late but the only option Ive been given is to pay {$1600.00} to become current. I do not have {$1600.00} and I dont have the ridiculous amount of money that they are asking me to pay every month. They are no longer giving me any options for forbearance, as I have exhausted that option. They continue to add interest to the principle and I currently owe 5 times more than they loan I took out. Please help!
Company Response: Closed with explanation

Timely Response

2019-08-13

Blairstown, IA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: I have submitted information on Navients website to defer for a few months. For the past 3 weeks Navient representatives have been calling my work in our office every day before XXXX. Describing the nature of their call which gets routed through to the receptionist, so they are not keeping my information at all private. I requested in XX/XX/XXXX that I not get calls in office, renegotiated my loan termsz then Im XX/XX/XXXX they began to call again. I spoke with someone telling them again not to do this. He said I waived my right to not receive multiple calls at work when I signed my loan agreement. He would not pass me to a supervisor. And I requested a call back from a supervisor after which the customer service agent hung up. The next day, which would be today XX/XX/19, I received another voicemail from Navient. I had explicitly said not to call as well as gave my phone number, which I asked the customer service rep to confirm he has. He refused to do this before he just hung up. I would constitute this as deliberate harassment and sharing of personal information.
Company Response: Closed with explanation

Timely Response

2019-08-13

KY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have spoken with Navient about the school closing so i wasn't able to finish my degree and i was not paying the loan if i was unable to finish to classes. They refused to send me paper work after asking numerous times. The final attempt was 3 months ago they told me i only had 100 days to fill out the closed school form which i was asking for for over 3 months. If i need to turn this over to an attorney and file a lawsuit against them then that is what i am going to do in less than 30 days unless this is resolved. This mark on my credit has kept me from buying a house. Why should i pay for a loan that i wasn't able to complete the degree and credits was non transferable.
Company Response: Closed with explanation

Timely Response

2019-08-12

Hampton, VA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: In XX/XX/XXXX, I enrolled at XXXX University ( Formerly XXXX XXXX University ) and sought financial aide and the usage of the GI Bill. I am now a XXXX XXXX veteran ( XXXX XXXX ), no longer able to work due to multiple XXXX conditions. Financial Aid requested I needed additional money to cover the expenses for an XXXX Degree since my GI Bill did not cover and was informed I could get aide through federal loans. I did receive these loans but was informed I needed a co-signer to cover the remaining tuition, thus my deceased step-father did for me. There are no financial statements of payments from the XXXX GI Bill, Federal Loans or Sallie Mae Private Loans. After graduating, in XX/XX/XXXX, my loans had reached the grace period and I began making payments. I was unaware at the time the Sallie Mae loans were from a private lender and not federal subsidized loans, the university referenced the loans as " federal loans ''. The university sales representative promised employment after graduation then later coaxed me into pursuing a XXXX Degree in XXXX but I soon dropped out for medical reasons. After graduation in XX/XX/XXXX, I attempted to find employment through the school and on my own but remained unemployed for almost 2 years. In XX/XX/XXXX, I relocated to MD as a result of unemployment and Sallie Mae reported negatively on my credit although they were aware of my unemployment and inability to pay at that time and was told I did not qualify for a deferment but a forbearance with a {$100.00} fee. My financial hardships, medical hardships and hospitalizations, Navient provided minimal repayment options after calculating my expenses and still requesting payments beyond my ability to pay. Requests to correct inaccuracies on my credit report, arrange agreeable payment terms and options, or to be placed in a reduced payment program were fruitless. I was forced to setup automatic payments after being denied a forbearance according to Navient payment terms and conditions which they stated says no forbearance requests would be approved if the borrower has exceeded a 36 month time-frame regardless of the original disbursement of the loan, even if due to unemployment nor was a copy of these terms provided as stated to be in the promissory note, from the previous servicer, Sallie Mae. I struggled to repay my loans and only once placed in an interest-only payment plan for 1 year only in XX/XX/XXXX-XX/XX/XXXX, which thereafter I qualified for no other programs, even Income-Based Repayment. Confirmation # XXXX for {$220.00} was applied and the previous auto-payment agreement was removed. My D, of ED-Navient were favorably deferred during this time. In XX/XX/XXXX, my step-father ( co-signer ) died and again had troubles with harassing calls, illegal correspondence to my deceased father after providing a copy of the death certificate. I made three-payments to enter a program with XXXX on XX/XX/XXXX to have automatic withdrawals for of various amounts to catch up. XX/XX/XXXX, I became very ill due to my XXXX during the XXXX XXXX XXXX. My auto-debit was cancelled in the amount of {$220.00} with XXXX XXXX. I was transferred to the military department to see if I could get my loans reevaluated but was told by XXXX, to pay {$220.00} by the XX/XX/XXXX. I am currently pursuing XXXX as a result of being unable to find sustainable employment to accommodate my medical conditions and after having credit inaccuracies removed from my credit through XXXX XXXX XXXX. Today, the Lender informed me that there were charge-offs for three accounts on my XXXX credit report. However, I never received any notice of a charge-off to my account via email or mail. The three letters that were obtained from Navient website, sent to my old address, although updated online, were after my attempts to make arrangements and their refusal to offer payment options due to my unemployment. XXXX ( XXXX ) stated on XX/XX/XXXX, that she would note my account of the financial and medical circumstances but no payment options or delayed payments were offered. Letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stated only being delinquent and final notice threats to pay and to be sent to litigation. XXXX XXXX confirmed removal of these three negative marks on my XXXX credit report in XX/XX/XXXX and XX/XX/XXXX. Due to losing all of my federal TSP retirement to pay medical, relocation and other financial obligations to avoid homelessness, I submitted a request for loan discharge on XX/XX/XXXX for loan discharge however it was not processed. Please review this complaint in reference to improper tactics for Signature Loans, Sallie Mae and Navient for harassment, denial of forbearance requests, denial of attempts to make payment arrangements, reduced payments or deferment during unemployment, financial and medical hardships and threat tactics of litigation, false credit reporting and misrepresentation of loan types.
Company Response: Closed with explanation

Timely Response

2019-08-12

Little Rock, AR

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have tried to look at different options for repaying my loan through Navient online. However, when I select " Repayments Options '' there is no opportunity for me to determine the best route I should take. There are only two links that tell me to contact them at XXXX. When I have called that number, I have been informed that I don't have any option to help change my repayment options because I have private loans through them. At first, my account was serviced through Sallie Mae, but then was transferred to Navient a few years ago. I don't understand how I don't have the opportunity to consolidate my loans or have an opportunity to lower my payments when I have had these loans since 2008. Thank you.
Company Response: Closed with explanation

Timely Response

2019-08-12

Main Office, VA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have tried to retrieve the promissory note for this loan that was signed for but I am unable to pull any information on it. I asked two representatives about this and they stated they have no information to provide me but that I needed to make a payment. I tried to notify the company prior to defaulting because I was in the hospital not working. I advised numerous representatives who only stated I can make a payment they cant help.
Company Response: Closed with explanation

Timely Response

2019-08-12

Moapa, NV

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 a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPT OF ED/NAVIENT with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation

Timely Response

2019-08-12

Waynesburg, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2019-08-12

San Antonio, TX

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