Navient Solutions, LLC.

2019-08-02

Lewisville, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I borrowed {$16000.00} and graduated from XXXX XXXX in 1991 and defaulted on loan cause school was a big lie about getting a good job. Theyve been garnishing my wages for 20+ years and have taken over {$70000.00} and yet I still owe about {$8800.00}. Loan was originally managed by XXXX XXXX XXXX and sold to navient. How much long will this private continue to take advantage of me. Any help and / or guidance on this matter would be greatly appreciated because Im XXXX XXXX XXXX and Im tired of struggling week to week with paying my bills. Sincerely XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-02

Cocoa, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Repeated phone calls ; up to 4 to 5 calls everyday and they will not tell me what this is in reference to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-02

Scottsdale, AZ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: XX/XX/2019 Capitalized Interest {$3100.00} They state I owe more in interest. I am financially struggling and can not afford to add more to this loan then is already being asked for. I make my payments monthly on time by income driven request but now they tell my it is enough to allocate to the payment and interest. Where are they applying my money. I want to stop paying because it is a struggle and totally stressful not to see the balance got down at all. I am XXXX years old and on a fixed income.
Company Response: Closed with explanation

Timely Response

2019-08-02

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

2019-08-01

San Leandro, CA

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-08-01

Kosciusko, MS

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I have loans serviced by Navient which were originally {$22000.00} and {$11000.00} these loans have grown in interest over the years to now be {$36000.00} and {$20000.00}. Because I defaulted on these loans the total amount owed with collection fees is reported to be over {$71000.00}. There is no way I can pay this amount. When trying to deal with my loans and get out of default, I learn that I should have been put on an Income based repayment plan. I was a single parent beginning XXXX. I was married from XXXX, but my husband passed away in XXXX leaving me a widow and once again a single parent. I was single up until XXXX and struggling with my daughter to make ends meet.Because of my circumstances, I would have qualified. Every time I spoke to someone, no one ever attempted to set me up for any sort of loan forgiveness or an Income based repayment plan. I was always pushed into forbearance or deferment. My loans have constantly been in a state of forbearance or deferment. If they had been in an appropriate income based repayment plan my loans would likely be paid off or forgiven by now. Instead I am haunted by this overwhelming debt, and harassed by XXXX and XXXX XXXX who are attempting to collect this balance for Navient. I feel like I have been hustled into this crazy amount of debt that I shouldn't actually owe.
Company Response: Closed with explanation

Timely Response

2019-08-01

Springfield, OH

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-08-01

Colts Neck, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: XX/XX/2018 I phoned Navient, account #XXXX XXXX XXXX loan group #XXXX, and spoke to a representative in order to pay off my loan in full. I wanted the exact amount I owed, on that date, to pay it off. I was given a quote of $XXXX. I paid the amount in full. order# XXXXSince then, I have received a monthly statement saying I am still being charged interest on this loan. I have called three times and the company is fully aware of the on going issue. But nothing has changed. This is now affecting my credit report and I want the account closed.
Company Response: Closed with monetary relief

Timely Response

2019-08-01

Parkrose, OR

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

2019-08-01

Oakland, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-08-01

Mabank, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: They decided to take it off XXXX but still reporting on XXXX and XXXX. This account belong to someone else
Company Response: Closed with explanation

Timely Response

2019-08-01

Dallas, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-01

Walnut Spgs, TX

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

Student loan: Federal student loan servicing

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-08-01

Barry University, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-08-01

Palos Park, IL

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-07-31

Mt Pisgah, IN

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have been repaying my private loan to Navient for over 10 years and have only paid off {$2000.00} in principal. {$210.00} x 120 months = {$25000.00} paid to Navient to pay off {$2000.00} of principal. How is this legal?
Company Response: Closed with explanation

Timely Response

2019-07-31

Hazlehurst, GA

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: The Department of Education have active federal student loans reporting on my credit report. I am still currently a student and these loans should not be reporting as a debt. Reporting these balances has lowered my credit so that my credit can not reach a 625. I've had numerous of loans and credit cards that have been paid with 100 % payment history for 7 years. Yet, i can not get approved for a car loan. It should be unconstitutional to report a debt that is not yet owed until the student is finished with college. I still have years before I finish and this is hindering my life.
Company Response: Closed with explanation

Timely Response

2019-07-31

Clio, MI

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

2019-07-31

Northbush, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: I have been running consistently 1 month behind struggling to pay each month - Navient calls my phone 3 to 4 times a day leaving just a hangup - but leaves one message a day - I went over the help they can offer but they wont lower payment or interest or extend term - I have written them to cease and desist calling and just correspond by email
Company Response: Closed with explanation

Timely Response

2019-07-31

Lewisville, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: My initial student loan with ( Sallie Mae-Navient ) started on XX/XX/XXXX. Since that time Ive struggled financially to repay this loan. Navient steered me towards forbearance options early on from XXXX. So the initial amount of the two loans were {$27000.00} and XXXX. In XXXX I was told that there was no more forbearance left. I asked for affordable payments based on my income. I got enrolled in a repayment plan in XXXX. However, my student loan balance had doubled. Since that time I keep having to do Repayment plans that are only increasing more debt on the loan. The repayment plan is supposed to be from XX/XX/XXXX to XX/XX/XXXX. After 10 years of payments this is ridiculous. This loan should be forgiven. I owe a little over XXXX with interest accruing every day. I hope something good can be done to help struggling borrowers like myself with these debt wrenching loans. I feel like I was misled regarding these payment options.
Company Response: Closed with explanation

Timely Response

2019-07-31

Phoenix, AZ

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-07-31

Tampa, FL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: On XX/XX/XXXX, I received notice from Navient for my XX/XX/XXXX monthly payment. Upon reading the notice, I saw that I had now been places in full repayment of my loan instead of paying the interest monthly. Prior to this notice, I paid $ XXXX monthly in interest. The new payment amounted to {$220.00}, which I was not comfortable with given my other monthly obligations. I called Navient and inquired about an the Extended Repayment option and their Rate Reduction +Extended Repayment option I saw on their website. I was told on the regular Navient call by the CSR that I would have to speak to their Credit Collections Department about these repayment options. I was somewhat confused by this information and asked the CSR if seeking either of these repayment options would impact my credit negatively. The CSR assured me that my credit would not be negatively impacted and that the Credit Collections Department just happens to be the department that handles those particular repayment options. I was forward over to the Credit Collections Department and a CSR began to assist. I explained my situation of being unable to pay the {$220.00} and she asked what payment I would be comfortable making. I told her {$100.00}. She asked me to hold and when she came back on the line she said {$120.00} was the best offer. I accepted this offer and she gave me information about the length of this reduced payment option as XXXX of XXXX. She also asked for my debit card info to have me signed up for automatic payments. I asked if I would have my information updated on Navients website and if I would receive any mailed information or documentation on the payment agreement that I had just arranged. She informed me that her department was different from Navient and that I can only call in to get information about my new arrangement. She also informed that something will me sent in the mail regarding my new payment. I was not told if my credit would be impacted and I was given no information about whether or not my previous regular payment arrangement would honor my new arrangement. I still had questions but I was at work and had to end the call. However, I decided to call after work because I still felt uneasy about my new arrangement. I also felt uneasy because upon checking my account during lunch break I didnt see any update on Navients website to my {$220.00} payment. I decided to call after work and around XXXX on XX/XX/XXXX, I called and I asked the CSR if my credit would be impacted by me setting up this payment arrangement with Collections. The CSR explained to me that the payment arrangement set up with the Collections Department had nothing to do with the {$220.00} and that I would still be responsible for the {$100.00} balance outside of the new payment arrangement with them. She also informed that I would be late and delinquent if I did not pay the full amount. At this point I became upset and sarcastically retorted that if I had to still pay {$220.00}, I had no need to put myself through long holds and speaking with countless CSRs to have me at the same {$220.00}. The CSR sensed my frustration and placed me on a hold to find out more information. Upon returning to the call, she informed that the Collections Department had already closed for the day and I should call back tomorrow so the discrepancy could be resolved. I informed her that tomorrow I would have to restart the entire conversation with different individuals and probably have the same result. Although she attempted to be helpful, I got the impression that she wanted me off the phone so that I could be someone elses problem tomorrow.
Company Response: Closed with explanation

Timely Response

2019-07-31

El Paso, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I am enrolled in a IBR Student Loan Repayment plan for my student loans. Part of my loans are being serviced Navient. Navient continues to send me correspondence every month for years that I owe {$60.00} per month when I do not. Under my current IBR plan and income, I pay {$0.00}. My other loan servicer ( XXXX ) does not send me statements saying that I owe them money each month. Not only does Navient continue to send me statements, they never seem to " receive '' my IBR Loan Certification every year. I received an email today that I need to re-certify or my payment plan will change in XXXX. I re-certified through student loans.gov back in XXXX. I believe Navient is engaged in deceptive practices in which they are trying to solicit payment that is not due and also cause confusion to get borrowers to mess up their IBR repayment plans. This has happened in the past and they claim I have no submitted the proper documents. They are wrong because XXXX has received everything I've submitted through studentloans.gov If you do not choose the correct option when re-certifying, you can get kicked off the plan and then you owe money. I have not had issues like these with my other loan servicer. They also do not have an option to send an email so I can have record of my attempts to contact customer service.
Company Response: Closed with explanation

Timely Response

2019-07-31

Warren, OH

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I paid my student loan for 46 months at XXXX under the extended repayment plan, totaling over {$36000.00}, and I was never offered or suggested to enter into an income based plan. Even as important, when I did find out about an income based plan, I was never told that the 46 months of payments did not qualify towards the 20 years until my loan would be forgiven. This is absolutely misleading and disgusting. I have a XXXX degree in XXXX XXXX and am a XXXX of my high school class. If I cant properly find my way through the loan repayment process without losing {$36000.00}, then Im sure the majority of Americans are also being taken advantage of.
Company Response: Closed with explanation

Timely Response

2019-07-31

Oak Park, IL

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Company Response: Closed with explanation

Timely Response