Navient Solutions, LLC.

2019-08-07

Clermont, FL

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

2019-08-07

Ruskin, FL

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-08-07

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-07

Hokendauqua, 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

2019-08-07

Dolton, IL

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

2019-08-07

Lewisville, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have a loan balance of $ XXXX with Navient. Every time I have called, I get the wrong information regarding my payment plan, Im told they didnt receive my paper work to lower my payment, and this has caused me not to pay. I am not going to pay until my payment is correct. Ive called them several times about my payment plan and Im getting the run around about the plan from different reps.
Company Response: Closed with explanation

Timely Response

2019-08-07

IN

Incorrect information on your report

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

Information belongs to someone else
Complaint: Navient has been reporting on my credit ( co-signed. ) My son has gone round and round with them about application of the payments he has made. They have in the past called me with threats to seize property or sue me. They were informed, at the time of job loss, for both the primary and the co. They have reported in error and have been one sided in details, even after trying to resolve and bring account current. Because of their bully approach I now avoid giving my phone number or email address and require mail only. I would like to speak with them but they make it unresolvable to have a conversation. I had perfect credit and when they decided to put this on my report, this one account has dropped my score 200 points. Why would one account be so impactive when you have all the others excellent? I am upset and lacking confidence in student loans going forward. If this is the process for obtaining help to receive an education why would someone proceed? Who is stand in the gap for me and my son? I need help.
Company Response: Closed with explanation

Timely Response

2019-08-07

Indianapolis, IN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: While in school deferment I made a {$400.00} payment towards my unsubsidized loan on the following dates : XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, even though I did not have a payment due. Each month the majority of the payment went towards my subsidized portion of the loan and I had to call in and request for reallocation of the payment. Even after my XXXX payment was fixed towards the unsubsidized portion, in XXXX I noticed it was reallocated back to both subsidized and unsubsidized. So I had to call again and get the payment fixed. In XXXX I was notified my loans were going back into Autopay and would start back up in XXXX. I requested for the Autopay to take XXXX, and the amount above my required payment ( which was under {$300.00} ) be allocated to my unsubsidized portion. Which I was told I could do. Just before my XXXX payment I got a call from a supervisor letting me know the {$400.00} would be auto deducted from my account and a majority of it was towards unsubsidized as I requested. It did not happen so I made a payment of {$400.00} towards unsubsidized and later had to call back and have the payment reallocated to unsubsidized portion since it was split between both unsubsidized and subsidized. I was told my autopay would start in XXXX with an amount of {$400.00}. I received multiple documents in the mail all stating various dates auto pay would start and various amounts. I actually receive 2 letters in the mail on the same day, both again reporting different information. I called to get clarification and again I was told it would start in XXXX and they were not sure why I was given different information but did see where other employees provided that information within my records. This month ( XX/XX/XXXX ) I logged in and was going to call and make a payment, but I noticed auto pay took {$320.00} out of my account. Again I am getting different information and have been told my auto pay will not start until XXXX, but can not get an answer on why XXXX was taken from my account, nor did any of my multiple documents I received in the mail even mention that amount. When trying to get clarrification on the allocation of the XXXX auto pay that will start in XXXX, that information was not available and I would have to wait until after the XXXX payment cleared. I also received clarification on my account over the phone reporting my terms and conditions have changed and my required payment every month would be XXXX and in order to have an over payment the amount would need to be over 400.00. This is not what I requested, and I have requested for the terms to go back to the original payment plan. I find this unacceptable to receive different information every time I call. It is unacceptable that there website reports any overpayment will go to unsubsidized portion first which has not happened even though I requested for it. It is hard for me to see online, but I have no idea what they are do with my payments in regards to unpaid interest. Which there really shouldnt be any since I was in school deferrement and I continued to make payments almost every month that were above and beyond what my payment would have been if I was not in inschool deferrement. No one should have to deal with this and it has been going on for way too long.
Company Response: Closed with explanation

Timely Response

2019-08-07

PA

Incorrect information on your report

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

Account information incorrect
Complaint: I have student loans with Dept of Ed/Navient. I was marked late on XX/XX/2017 as 90 days delinquent, but I was not late. I disputed through Navient 's website back in 2017 after I originally saw the reporting also called in, they stated it would be removed from all loans. It is appearing on all three of my credit reports that I pulled from XXXX/XXXX/and XXXX. I should of been in a deferment/forbearance status at this time and reported as No Data/Information for this month, it was not processed in time, the late reportings need to be removed from my credit report with all 4 credit agencies ( including XXXX ). The account numbers are as follows :
Company Response: Closed with explanation

Timely Response

2019-08-07

Hilo, HI

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-08-07

Columbia, SC

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

2019-08-07

Raymond, NH

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I had been enrolled in an interest rate reduction program and had at least a year of eligibility left when all of a sudden I was informed that I was no longer eligible and that my payment was going up about $ 220/month. When I called on XX/XX/19 to discuss why I was no longer eligible since my financial situation hadnt changed, I was informed that my co-signer ( my mother ) was credible and could help me pay. Now she had been my co-signer this whole time and it had been determined that since she is retired now and on a limited fixed income, that she could not help me. She is already providing child care for me to help me save some money. I dont know why she was all of a sudden considered able to help me. I had also attempted to refinance and no company would approve it since my co-signer is retired and on a fixed income.
Company Response: Closed with explanation

Timely Response

2019-08-06

Soquel, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I requested to be placed on an income based repayment plan that would offer me a lower payment, and instead was placed on a plan that would offer me a higher payment. In XX/XX/XXXX, I applied for and was placed on the IBR income driven repayment option for my student loans. In XX/XX/XXXX there is no record of an attempt to recertify on my part in order to stay in that plan ; in XX/XX/XXXX outstanding interest was capitalized, and I then began making much larger payments, presumably on the standard repayment plan, since I did not recertify for my income driven repayment plan. In XX/XX/XXXX, I applied to go back on an income driven repayment plan ( please see that application attached. ) I very clearly marked the box indicating that I was not on an income-driven repayment plan, and I marked 2 different options for IDR plans that I would like to be placed on. The 4th page of that document clearly states that if I selected more than 1 plan ( as I did, ) that I'm requesting the plan with the lowest monthly payment, and that should multiple plans have the same monthly payment, that I would be placed on the REPAYE or PAYE plans before the IBR plan. I was placed on the IBR plan. When I contacted Navient today, a representative explained to me that the reason I was placed on the IBR plan was that I had previously been on that plan. However, nowhere in the attached document does it state that I will be placed on a plan that I was enrolled in previously ; in fact, all of the language on page 4 ( borrower requests, understandings etc. ) specifically states that I should be placed on the plan that offers the lowest payments. It even specifically states the policy in the event that I am switching between IDR plans, which implies even further that just because I was previously on one IDR plan does not mean I am seeking to re-enroll in that same plan. I specifically sought the plan with the lowest monthly payment amount. On the phone today it was confirmed to me that the PAYE and REPAYE plans are both limited to 10 % of my discretionary income, while the IBR plan ( which I was pla ced on ) is capped at 15 %. I believe Navient failed to adhere to page 4 of this document when placing me on an IDR plan. On the phone today, a Navient representative implied first that I was placed on the IBR plan because I had been on that plan previously, which is not a policy that I see represented on page 4 ( " borrower understandings. ) In fact, I find the information on page 4 to run completely contrary to that notion, given that it includes language specifying that the understandings may also apply to those seeking to change IDR repayment plans. The representative also implied that I had never left the IBR pl an I had been on, and that thus the application I filed in XX/XX/XXXX was not a " new '' application, and that I would have had to go through some exit procedure to leave the IBR plan I had been on previously before reapplying with a " new '' application to change plans. I believe that to be false for 2 reasons, the first of which is outlined in the paragraph above ( that the application can be used to " switch '' from one plan to another. ) The second reason being that I clearly never submitted a recertification in XX/XX/XXXX, and that my payment history included a capitalization of interest and an enormous increase to my monthly payments ; I had clearly been removed from an IDR plan and placed back on a standard repayment plan. So even if this idea of a " new '' application were accurate, the application I filed WAS a new one! Since I clearly marked in my XX/XX/XXXX application that I was NOT currently on an
Company Response: Closed with explanation

Timely Response

2019-08-06

Wecota, SD

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have 4 private loans with Navient that all have HIGH interest rates. 1. $ XXXX@ 15.375 % 2. $ XXXX@ 15.375 % 3. $ XXXX@ 9.500 % 4. $ XXXX@ 15.375 % The last time I checked my credit score, it's in the mid to high 700s. There's no reason why they can not work with me to lower my interest rates. Plus anytime I get into a program with them, my payment goes to interest rates primarily. It makes it almost impossible to bring down my principal when everything goes to Navient. Please help. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-08-06

Ft Lauderdale, FL

Getting a loan

Student loan: Private student loan

Confusing or misleading advertising
Complaint: I feel as though I was pressured into signing up for a degree in a career that did not, and still does not need a degree to perform. I currently having to pay put {$29000.00} for a career that I could have done on the job training. I was not advised that this career did not need a degree. I don't see how a school is allowed to offer a program that should not be a program. My interest rates were not explained to me properly, so now every month the cost goes up. This school and lender target young, adults who otherwise can not afford to go to a University.
Company Response: Closed with explanation

Timely Response

2019-08-06

Orange Park, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-08-06

Pryse, KY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Requested payoff amount for loan # 1 of 2 and subsequent adjustment to Auto Pay amount. Payment not allocated entirely to loan # 1 and Auto Pay for both loan payments cancelled resulting in removal of interest rate reduction of .25 % meaning it will take longer to pay off loan # 2.
Company Response: Closed with explanation

Timely Response

2019-08-06

Brooklyn, NY

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Complaint: When Sallie Mae broke off from Navient, I did not receive a notification that I was needed to renew my income-based payment plan. That notification is required by law. The company then capitalized the interest on my loans, costing me thousands of dollars.
Company Response: Closed with explanation

Timely Response

2019-08-06

TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Date of event XXXX-Navient withdrew {$690.00} from account for payment, claimed that application was not signed. When submitted it was signed electronically. When called the services stated they would credit funds back to account. As of XX/XX/19 no sign of such has been indicated on the account. I am a XXXX employee and the deduction will leave me unable to pay my bills and purchase gas for my travel to work. This is an extreme hardship that I can not possibly afford. The worst part is my bills are on auto draft. This will equate overdraft fees of {$24.00} per draw. The last time I had an issue with Navient I was charged {$96.00} in overdraft fees that I was never reimbursed. As a XXXX employee I have very little cushion outside my monthly expenses. Like most Americans I do not have a large saving that can sustain me past this debacle.
Company Response: Closed with explanation

Timely Response

2019-08-06

Kansas City, MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I sent my student loan company Navient a Principal Payment in the amount of {$30000.00} and they have not credited my account. The check has cleared my bank account on XX/XX/2019 and I included a letter of instruction with my check. I believe there is fraud or embezzlement going on with Navient and they have stolen my money. This is money I have saved for a long time and worked very hard to get my student loans paid off. Please help me resolve this and find my money. I am very distraught and I have tried to contact Navient and faxed them proof of payment and I can not get anyone to help.
Company Response: Closed with explanation

Timely Response

2019-08-06

Boston, MA

Written notification about debt

Debt collection: Private student loan debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-08-06

Kenwood, NY

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

2019-08-06

Paragould, AR

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

2019-08-06

Spruce Head, ME

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-08-06

Johnston, RI

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