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 43
2019-08-09
Incorrect information on your report
Student loan: Federal student loan servicing
Information belongs to someone else
Company Response: Closed with explanation
2019-08-08
Ivalee, AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I submitted Income based repayment to Navient on XXXX/XXXX/19 well within my 45 day timeframe for processing my loans that were set to come out of grace on XXXX/XXXX/19. On XX/XX/XXXX I received emails that my IBR had been processed and approved. However the amounts approved are more than my income. I also have XXXX loans that are on IBR and are a {$0.00} a month payment. They are wanting {$140.00} on one set of loans and {$1300.00} on another. My AGI for the previous tax year is under XXXX well under the poverty line so I should have a {$0.00} IBR payment. Today my loans updated to a total amount due of {$1500.00} on XXXX/XXXX/19. I was told that my IBR submission wasn't processed for those loans and went to another loan. I am not sure why they can't get their information correctly and process my IBR correctly, I shouldn't have to submit my application 6 times like I have since XXXX. I resubmitted my application on XXXX/XXXX/19 and was told that I was due to pay the total amount due because it wouldn't be processed in time. This is ridiculous- this is more than I make a month and not even feasible when I have submitted what was due on the following dates : XXXX, XX/XX/XXXX, and now once again XXXX. This better be fixed ASAP.
Company Response: Closed with explanation
2019-08-08
Rockford, IL
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: On XX/XX/XXXX I made a call into Navient to try and lower my payment but was not given any options outside of forbearance. I attempted to explain that I had paid {$92000.00} on my loans to date over the course of ten years and yet still owe them {$83000.00} to which I was given the reply, " Well, that is because your interest is accruing daily and you are on a variable interest rate loan. If you start making extra payments per month, your amount owed will decrease. '' I tried to explain, THAT'S THE PROBLEM! I can't continue to make a {$770.00} per month payment every month, especially knowing I am not even hardly touching my principal! I am XXXX and need to move out of my parents house as they are retiring soon but can not because I can not afford rent with this type of payment. My 3 largest loans are at variable 10.5 % interest rate and continue to go up every year, if not every 6 months, making them practically untouchable when I make a payment every month. I feel as though I will never get out from under this and they are not willing to budge either.
Back in XX/XX/XXXX, I did remove the majority of my Federal Loans from them and consolidated them with XXXX XXXX, removing {$10000.00} of the debt from Navient ( if I hadn't done that, I'd still owe Navient over {$93000.00}, having originally borrowed around {$110000.00} ) How are these types of loans even allowed to consumers? I feel as though I have signed my life away, with no end in sight to this debt. I have paid faithfully since graduating in XX/XX/XXXX and have NEVER, EVER missed a payment. And when I started paying the loans back in XX/XX/XXXX, I was advised by my school to sign up for interest only payments as that was my lowest possible payment option ( around $ XXXX/month ) right out of school. I did that for 4 YEARS! It got me nowhere but into more debt! And Navient continues to push this option, which is robbery. They push only forbearance and interest-only payment options, offering nothing else to me.
I am hoping the CFPB will investigate as to whether my payments are even being allocated correctly, because I find it astounding that I have paid Navient over {$92000.00} over the course of ten years and yet still owe them {$83000.00} at the moment. How can they do this?
Company Response: Closed with explanation
2019-08-08
Hinkley, CA
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: They are harassing me at work. I've told them not to call my work and they called twice already. I live in California
Company Response: Closed with explanation
2019-08-08
Portland, OR
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: Navient keeps calling at XXXX and Ive told thrm not to do this in the past. They call about every two hours in the middle of my work and at home.
Company Response: Closed with explanation
2019-08-08
Lb, CA
Attempts to collect debt not owed
Debt collection: Private student loan debt
Debt was paid
Complaint: XXXX Navient enrolled me into a repayment program and i was making my scheduled payment however, nothing was credited to my account. Then they took my XXXX and XXXX tax refund for a total of what they stated I owed which was {$13000.00}. Now I'm having my wages garnished because they are saying i still owe {$12000.00}. I have spoken to the collection agency and sent them all my paperwork showing that i have paid. In order to stop the wage garnishment I have to pay 5 payments of {$87.00} on top of the 12 % they are taking out of my check which is over {$600.00} a month. Navient isn't helping me nor is Pioneer credit recovery. Neither company is showing any of the payments from the IRS, past payments or my wage garnishment payments. This isn't right, I can't support my family and I'm on the verge of loosing my apartment and car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-08
NY
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Complaint: When I took out a loan with Navient back in XX/XX/XXXX we made every monthly payment for about a yr, My mother was a cosigner on the loan it was for XXXX long story short she had to file bankruptcy and because you can't go bankrupt on Sallie mai " Navient '' they were getting paid through the bankruptcy every month for 5yrs they had received XXXX on top of what I already paid them and for some reason when I spoke with them they didn't have clue what I was talking about even though we had proof from the bankruptcy lawyer they basically told me they didn't care what proof I had and they dared me to get a lawyer! NO JOKE!! Now after fighting with them and getting discouraged 4 or 5yrs later " present time '' I owe around XXXX on my XXXX loan! I tried calling lawyers, I tried talking to them but nobody would hear me out!! I dont know what to do!?!? I refuse to pay them anymore and because of that every month 150+ gets added to my debt! This is madness! They have ruined the last 8yrs of my life!
Company Response: Closed with explanation
2019-08-08
Macclenny, FL
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I have 2 separate lenders- XXXX and Navient. I was having trouble paying XXXX and Navient was still in the grace period this Spring ( 2019 ). I completed the income-based repayment request. XXXX lowered my payment. Navient determined that I can pay over $ XXXX. They are refusing to work with me for a payment option that works and are instead happy to help me go into forbearance and accrue more interest or simply default. This should be illegal- I want to pay them, but I also can not afford the amount they are proposing. I am not going to financially ruin my family to pay this back- that was not the point of going back to school. I am getting nowhere with the representatives at Navient.
Company Response: Closed with explanation
2019-08-08
Steubenville, OH
Getting a loan
Student loan: Private student loan
Fraudulent loan
Company Response: Closed with explanation
2019-08-08
Kawaihae, HI
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I filed for closed school loan discharge. I noted that I had withdrew prior to the school closing once we were informed of the loss of accreditation/lawsuit notice but no more than the 120 days it states..according to chapter 6 that was considered part of the exceptional circumstance and I should have still been eligible. I have also filed for the fraud discharge because they took money and forged my signature. Both applications were denied and was not given any info on how to appealthe decision.
Company Response: Closed with explanation
2019-08-08
Allen, TX
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
2019-08-08
La Chute, LA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I have two federal loans with XXXX college for graduating as a XXXX XXXX.. which I am very Proud and Thankful.. But the loans together equals XXXX...I paid at least 5 times...($XXXX).... After checking my credit report a little often...it shows up NO payment...Or Late payment...NOW I CANT SEEM TO MAKE ANT PAYMENTS BECAUSE IM ABOUT TO GET EVICTED FROM MY HOME OF 5 YEARS WITH A XXXXYR OLD SON...I AM TRULY LOSING EVERYTHING... PLEASE HELP US
Company Response: Closed with explanation
2019-08-08
Weston, CT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: RE:XXXX. In response to my complaint, Navient said that they never told me that in order to change loan servicers I would need to consolidate my loan. That is what I was told. That is the reason that I consolidated my loan. Then they assigned the loan back to Navient and took all of the interest I had paid fromXX/XX/XXXX toXX/XX/XXXX.
I requested that Navient send me the consolidation paperwork which states that reason for the consolidation. They sent me the consolidation paperwork and the reason for the consolidation is not stated.
Please ask Navient to produce the loan consolidation paperwork from XX/XX/XXXX with the reason for consolidation.
Company Response: Closed with explanation
2019-08-08
Henderson, NV
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Company Response: Closed with explanation
2019-08-08
Houston, TX
Communication tactics
Debt collection: Private student loan debt
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
2019-08-08
Atlanta, GA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: navient claims that I have three loans with them, I do but recall having three loans with them and requested promissory notes. I want proof of the loans.
Company Response: Closed with explanation
2019-08-08
Chicago, IL
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: In XX/XX/XXXXof 2018 I mailed certified letters to both Navient and the 3 major credit bureaus requesting the original loan documents that show my signature. They have never mailed any proof. I have also requested proof over the phone and I was advised that my monthly loan payment is {$0.00} per month. I was never sent anything thing in writing and the loan balance hasnt changed and is only increasing. I requested that the loan be removed!
Company Response: Closed with explanation
2019-08-08
San Diego, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Hello, -- I am very upset with Navient not honoring what was stated in a notification letter to me dated XX/XX/XXXX.
-- The letter stated : " XXXX, your loans listed below are now successfully enrolled in our Auto Pay program.
The payment amount of {$0.00} will be automatically extracted from your designated bank account on the same day of each month. Your first withdrawal will be XX/XX/XXXX.
Loan Information LOAN DATE ORIGINAL LOAN AMOUNT OUTSTANDING PRINCIPAL INTEREST RATE LOAN PROGRAM XX/XX/XXXX {$33000.00} {$31000.00} XXXX XXXX XX/XX/XXXX {$33000.00} {$38000.00} XXXX XXXX XX/XX/XXXX {$33000.00} {$36000.00} XXXX XXXX XX/XX/XXXX {$33000.00} {$35000.00} XXXX XXXX '' -- Since I received this confirmation in a letter from Navient, I believed that my loans would be at those interest rates stated in the letter. For some reason, only my 1st loan 's interest rate matched with what was stated in the letter, and the other 3 loans did not get enrolled into Autopay with new interest rate as the letter stated.
-- I have been compounding interest on my other 3 loans at incorrect interest rates from XX/XX/XXXX until now. They have been compounding at 5.84 %, 5.31 %, 6 %., instead of what was stated in Navient 's confirmation letter.
-- Even though I received confirmation of Autopay enrollment for ALL my loans in XX/XX/XXXX, they weren't aren't all enrolled into Autopay until XX/XX/XXXX because I had to submit the request again on XX/XX/XXXX.
-- I want Navient to correct the amount of interest I have accrued from XX/XX/XXXX until now to reflect the interest rates that should have been implemented as per that confirmation letter. I should not be held responsible to pay for a mistake in the system that was on Navient 's part.
-- I first emailed Navient to ask about the discrepancy and the response I received was only stating the current status of my loans and interest rate - which I was well aware of. There was no explanation as to why I needed to re-submit autopay enrollment request for the other 3 loans when I already did back in XX/XX/XXXX and received confirmation that they were all enrolled with new reduced interest rates.
-- I called and spoke to Navient customer service representative XXXX XX/XX/XXXX XXXX and he said he could not figure out why only 1 of my loans were enrolled into Autopay when I had received confirmation for all 4. He could not find any notices of cancellation or dis-enrollment, but he assured me that my loans are all enrolled in Autopay at this moment. When I asked if there was any way to retroactively correct my loan interest rates from XX/XX/XXXX until now, he said there was nothing that could be done.
Company Response: Closed with explanation
2019-08-08
Marquette, KS
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I have been contacting and working with Navient [ again ] for the past 13 months, [ last XX/XX/2018 i contacted and tried to get my Loan modified, and they turned around and AGAIN changed the terms and payment and have me pay ever MORE, by charging me for a " Forbearance '' and charging me over {$63.00} PER MONTH, just to use the Forbearance, while adding to my overall penalties from the last time they extorted me from over 20 years ago, and my loan then was {$10000.00}, now it is closer to {$16000.00}!
I have talked to NUMEROUS people and agents, and they always have steered me to wrong options and financial choices, on trying to repay the student loan, as i wanted a INCOME BASED PAYMENT, and Navient [ after numerous requests! ] does not send me the payment history [ i have paid this for over 10-13 years BEFORE I LOST INCOME! ] and the payments keep going up since MY payments only include the interest NOT the principle of the loan!
I have been VERY PATIENT, and have most documents and old papers they have sent to me for the past 27 years and more! My school closed down, [ XXXX XXXX XXXX XXXX ] after the months i graduated. I have not found much work as the school was a fraud!
CAN you help me with dealing with them, as i suffer now from XXXX and maybe have to drop out the work force!
If you can help i think i can provide much more. Thank You!
Company Response: Closed with explanation
2019-08-08
Cooper City, FL
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-08-08
Albuquerque, NM
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-08-07
CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Over the past 4 months I have attempted to enter into an income based repayment plan through Navient Student Loans. Every month ( and sometimes a couple of times a month ) since XX/XX/2019 I have called in attempting to resolve this. I have received different answers on every call and misinformation that has led me to have to continue to put my loan in forbearance for the past 5 months so they can fix the situation on their end. Every month I have provided up to date pay stub information, and every month am asked to do it again so they can calculate my IBR correctly. I have finally been told that my monthly payment will include any overtime I've received over the past year, regardless if I am able to receive overtime over this following year. I can not believe a federal student loan provider would calculate payment information based on variable pay ; that is grossly irresponsible. So based on business needs, if my business does not have the budget to allow over time this year, I am still responsible for the additional payment amounts to Navient. This company is absolutely appalling to work with and is the reason student loan debt is such a massive issue ; STUDENTS STEER CLEAR, DO NOT GET LOANS FROM NAVIENT.
Company Response: Closed with explanation
2019-08-07
Bellaire, TX
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: My payments have increased on the income based repayment plan from XXXX to XXXX.
Company Response: Closed with explanation
2019-08-07
OH
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: Navient claims that they are " here to help. '' However, with the extensive cost and stress of a XXXX XXXX XXXX daughter battling XXXX, Navient refuses to work with me on making my payments affordable, or temporarily delaying them.
I want to make good on my debt, but I can not afford the $ XXXXmonth that they are demanding. They only take into account your income, and not your daily living expenses and other bills. I went through Federal Aid to revise my XXXX, and XXXX came up with a payment of $ XXXXmonth, which is manageable! Unfortunately, for some unknown reason, Navient declined the revision and still demand the $ XXXX/month.
I will gladly begin repayment at $ XXXX/month, and have literally BEGGED Navient to make my payments affordable, but they would rather see me go into default than payback my loans. Instead of considering each individuals ' unique circumstances, Navient simply sends the same standard template responses ( to my DOZENS of emails ) and refuses to work with me.
Company Response: Closed with explanation
2019-08-07
Oxford, GA
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: I agreed to {$190.00} per month and now it has increased to {$290.00} through Navient because of an error on their part.
Company Response: Closed with explanation