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 47
2019-07-31
Detroit, MI
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-07-31
East Vineland, NJ
Written notification about debt
Debt collection: I do not know
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
2019-07-31
College, 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
2019-07-31
Calumet Park, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-07-31
Pulaski, MS
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
2019-07-30
Lexington, KY
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
2019-07-30
Cedar Mills, MN
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-07-30
IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: To Whom It May Concern, I am writing in regards to filing a complaint against the Loan Servicer, Navient ( formerly, Sallie Mae ) for with-holding information regarding the all necessary payment options ( PSLF ) allotted to me from XX/XX/XXXX year XX/XX/XXXX.
Please note that all evidence is identified with a letter and will be prompted to view within parentheses following the necessary statements.
All of my XXXX loans are through Navient/Sallie Mae. My timeline of payments is as follows : ( not all records of payments have been made available for evidence ) XX/XX/XXXX -- -- -- -Payments Made ( A ) XX/XX/XXXX -- -- -- -Payments Made ( B ) XX/XX/XXXX-- -- -- -No Payments Made XX/XX/XXXX-- -- -- -No Payments Made XX/XX/XXXX -- -- -- -Payment Made ( C ) XX/XX/XXXX -- -- -- -No Payments Made XX/XX/XXXX-- -- -- - Payments Made ( E ) XX/XX/XXXX -- -- -- -Payments Made ( D ) ( F ) XX/XX/XXXX -- -- -- -Payments Made ( G ) XX/XX/XXXX-- -- -- -Payments Made ( H ) XX/XX/XXXX -- -- -- - Payments Made ( I ) XX/XX/XXXX -- -- -- -Payments Made ( J ) XX/XX/XXXX -- -- -- -Payments Made ( K ) On XX/XX/XXXX, I made a phone call to Navient/Sallie Mae asking for help regarding my payments ( N ) . As noted in the evidence provided, it was only after I had exhausted all of their given payment options that they offered the PSLF Program by providing me with the government website to explore the program. During this phone call, Navient/Sallie Mae informed me that I had 290 days from my last payment due date before my account would become delinquent ; unto which I was already four days into my delinquent countdown.
Further evidence demonstrates that Navient/Sallie Mae with-held viable payment options as the document states that I have, already reached the maximum amount of time allowed for forbearance ( *O ). In addition, this document clearly shows that Navient was not willing to help as they told me to continue to make your payments as scheduled ( *O ), then led me in circles by only providing me options that I had already exhausted or were already participating in ( P ).
Unfortunately, as the above timeline proves, if Navient/Sallie Mae had provided me with the option to utilize a federal government program ( PSLF ) designed to help public service providers, such as myself ; I may have already had my XXXX loans forgiven. Instead, as the above evidence states, I am in the first years of the program
Company Response: Closed with explanation
2019-07-30
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-07-30
Flushing, 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
2019-07-30
Duluth, MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-07-30
Main Office, VA
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: Navient has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90 days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.
Company Response: Closed with explanation
2019-07-30
WV
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I co-signed a college loan for my son 's first two semesters at XXXX XXXX University at XXXX in the summer of 2006 when he was XXXX. Apparently, the law then required that we transfer that loan to a private bank. We chose XXXX out of XXXX, Pa. After that, his FAFSA loans were not re-financed by private banks but were kept as government loans. So ... .when he died of a XXXX XXXX in the spring of his junior year in college at XXXX XXXX in West Virginia , his sophomore and junior year loans financed by the government were forgiven. However, this loan that I was forced to transfer to XXXX, was not forgiven and was transferred to Navient. I am XXXX, a former XXXX XXXX, and have dutifully been paying on this loan now for 11 years. I have written to Navient and sent death certificate to Navient but have heard nothing. I have called twice and been told that, unless I die, this loan can not be forgiven. This feels extremely unfair to me. I continue to owe XXXX dollars for my dead son 's education even though I have continued to pay for all these years. Is there a lawsuit I can join or something else I can do?
Company Response: Closed with explanation
2019-07-30
AZ
Incorrect information on your report
Student loan: Federal student loan servicing
Old information reappears or never goes away
Complaint: The school was sued because they werent teaching the correct curriculum and didnt do what they were promised. So this debit was supposed to be canceled and I was suppose to be able to get my money back. I have e-mails messages stating that the debit is canceled, but is still reporting to my credit bureaus as a collection that is 15 years old. The credit bureaus state that collections are only suppose to stay on your bureaus for up to 10 years and then fall off. But these loans that were suppose to be settled are showing that they are 14 years and 11 months old and still showing on my bureau. Not only that they are reporting the same loan 6 times, making it look like I have 6 different student loans, instead of one. Please remove these from my credit report. Thank you
Company Response: Closed with explanation
2019-07-30
Collegeville, PA
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-07-30
FL
Threatened to contact someone or share information improperly
Debt collection: Private student loan debt
Contacted your employer
Complaint: I have requested many times not only verbally but in writing not to contact me at work and Navient continues to do so. Now not only are they calling random numbers here at the XXXX XXXX where I work they are telling people they are a debt collector and they need to speak with me. Now they are contacting family members that I never put down as a reference who have nothing to do with my finances. And this week I am getting messages from people that I am XXXX friends with that only know me on social media and they are saying that they received messages from Navient trying to contact me. Enough is Enough! Isn't this illegal? How do they have the power to go into someone's family and social media and contact people to make me look bad. Please stop this!
Company Response: Closed with explanation
2019-07-30
Santa Fe, NM
Attempts to collect debt not owed
Debt collection: Private student loan debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation
2019-07-30
Jacksonville, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: My loan was consolidated with Navient/Sallie Mae on XX/XX/XXXX due to my previous loan servicer, XXXX XXXX dissolving. Once I was notified via mail to confirm the consolidation and my payments began, I contacted Navient/Sallie Mae to begin submitting my employment verification once the Public Service Loan Forgiveness Program became effective on XX/XX/XXXX. Many years after processing all of my payments and documentation of work history, they began telling me that I was ineligible for the program when I began applying for the Teacher Loan Forgiveness Program sometime in XXXX to have some relief on the amount I was paying every month toward my loans. They kept telling me that my application for the Teacher Loan Forgiveness Program was being denied, but never disclosed that my loans were dispersed as Family Federal Education Loans and needed to be consolidated with another servicer in order to be coded as Direct Loans to be eligible for both the Teacher Loan Forgiveness and Public Service Loan Forgiveness programs when they were well aware of this information. Navient/Sallie Mae serviced my loan from XX/XX/XXXX through XX/XX/XXXX and never once disclosed this information to me! I only became aware of this information after speaking with a XXXX XXXX XXXX Representative after re-consolidating my loans with them due to Navient 's egregious servicing practices including losing documentation necessary to process loan forgiveness applications, failing to process documentation and applications in a timely manner, and providing misinformation over the duration as servicer of my loans. To add, their dishonesty about submitting documentation correctly for the TLFP and about being aware of the type of loan I had was verified because shortly after I consolidated with XXXX XXXX XXXX, my application was submitted and approved. I have paid Navient tens of thousands of dollars toward my loans, thousands of dollars toward interest, and have been paying on loans for over two years ago that would have been forgiven had they acted ethically to disclose information to ensure my public service loan forgiveness application was accepted. I would like them to dissolve my loans because had it not been for their negligence, my loans would have been completely forgiven over two years ago. Additionally, I contacted Navient twice to receive a comprehensive payment history and they failed to provide documentation clearly listing each payment made so that I could calculate an accurate number of just how much I have paid them. I have included both documents they provided as responses to my requests.
Company Response: Closed with explanation
2019-07-30
Atlanta, GA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: Navient has no payment options that are according to my income or realistic. I only make around $ XXXX a year and already have federal student loan debt and needs to survive and cant afford the payments that are nearly double the cost of my rent.
I told Navient this and they said that Id have to pay for temporary forbearance that wouldnt go towards my balance and after forbearance my payment and balance would be even higher.
I just cant afford the payments. Realistically payments of over {$1300.00} is just not possible at all.
Company Response: Closed with explanation
2019-07-30
NJ
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: In XX/XX/XXXX my husband enrolled in Rate Reduction Program at Sallie Mae. On XX/XX/XXXX ( company sold loan to Navient ) enrolled in what we thought was a similar program with Navient. We understood the program to be Extended Payment Option extended out 15 years with permanent payment of XXXX. We renewed again in XX/XX/XXXX with another rep. in XX/XX/XXXX. In XX/XX/XXXX told by a rep that the payments were extended out 24.5 years to the year XX/XX/XXXX. This outraged me, because I never have been so duped. Found out recently that Navient promissory note reads that Monthly Variable Interest Rate Option repayment period is 20 years. We've been paying 17 years. We never agreed to 24.5 more years extended out. I would like to hear the phone conversations of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( year XX/XX/XXXX ) with the rep XXXX from Navient.
I've been told there is no discharge of loans for the cosigner. My husband is XXXX XXXX and in XXXX XXXX with XXXX XXXX. I have ask the rep for what happens after my husband dies with the loans. He has paid well over the amount initially owed. He's paid $ XXXX on an original loan of XXXX. He still owes XXXX. He's been paying 17 years.
Please advise. Thank you.
Company Response: Closed with explanation
2019-07-30
MI
False statements or representation
Debt collection: Medical debt
Impersonated attorney, law enforcement, or government official
Complaint: I've received threating phone calls and threating letters from XXXX XXXX XXXX, starting back so far in the year XX/XX/XXXX and continuing until year XX/XX/XXXX, stating that I owe Medicare for medical payments that were paid by my Auto Insurance company, from a hit and run auto accident I was hit from the rear while stopped at a red light. They were provided proof of payments from by my Auto Insurance company. I've received threating phone calls and threating letters XXXX XXXX a Debt Collection Agency, starting dates as far in year XX/XX/XXXX and continuing until year XX/XX/XXXX, also were provided proof of payment. I am now receiving a letter XX/XX/XXXX, dated : XX/XX/XXXX from a Debt Collection : Pioneer Credit Recovery , Inc. with the same threating letter stating as the others that they were contracted by the U.S. Department of the Treasury, Bureau of Fiscal Service to collect on a delinquent balance now the Debt Originating agency : Department of Health and Human using my Social Security Number which was my Old Medicare Number, threating to report to national credit bureaus, which could inhibit my ability to obtain future credit. Additionally, the Department of Treasury may be authorized to offset any eligible government payments I receive such as income tax refunds, federal retirement benefits, and/or other financial assistance if the debt is not paid. furthermore, pursuant to the policy of the above-listed Federal agency, should I continue to refuse to resolve this debt, my debt may be reviewed for possible referral by Fiscal service to the Department of Justice for legal action. I called Pioneer Debt Collector and disputed these accusation today XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-30
Indianapolis, IN
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2019-07-29
Watkins, CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Navient : My 'Original Balance ' date shows on Navient 's site as XX/XX/2003 with a total balance then for two Direct Fed loans of {$71000.00}. Since then I've obtained one or more deferments but the navient site provides little to no info about what interest they charged me during those periods. It's Loan Balance section also does not show 'loan balance ' numbers after each payment is applied. Navient 's records show I've paid a total of approximately {$14000.00} toward my loan account since I've been serviced by Navient, but only about {$2400.00} of that has been applied to Principle while about {$11000.00} has been applied to Interest. I have also been making overpayments monthly for some time now and Navient appears to be applying overpayments also to Interest rather than to Principle. Its site shows my original balance with them was, as noted above, {$71000.00}, but that my current balance is today at {$70000.00}, after all these years and all payments made!!! My balance seems to be going up rather than down, and the interest charged in forebearance/deferments must have impacted this but I can't tell. How could I possibly have paid {$14000.00} or more toward the loans and only have a loan reduction net of only {$370.00} ( $ XXXX $ XXXX {$370.00} ) with a 4.750 fixed interest rate??? I can't keep affording payments toward loan balances that never go down and my payment plan is one set to actually be substantially INcreasing as years pass, not decreasing. If I stop paying, though, I will be penalized even further.
Help! Thank you! XXXX XXXX XXXX XXXX , Colorado , age XXXX
Company Response: Closed with explanation
2019-07-29
Annapolis, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-07-29
Chicago, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Continually in the dark about repayments, information on where I'm at in my payment plan. When under Sallie Mae had no issues, with Navient it seems like no payments were made whatsoever, their systems are always down for maintenance and they keep you COMPLETELY in the dark about your progress/status. The only thing they appear to be competent in is posting a dollar amount that you owe.
Company Response: Closed with explanation