Navient Solutions, LLC.

2019-07-27

Canyon Cntry, CA

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Company Response: Closed with non-monetary relief

Timely Response

2019-07-26

Tupelo, 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 been on the IBR ( Income Sensitive Repayment program ) for approx 10 years. I live in a rural area. Beginning in XXXX, I started the reestablishment of that process that I have done many times. I ran off the application on studentloans.gov, filled it out and mailed it to XXXX XXXX, PA. I also signed a document of my monthly income and included it with the mailing. Approx one month later I received an email stating that my payment options had changed and I was late on a payment. I called Navient to find out why and no one could tell me. All they could do was consolidate my loans. I did that many years ago! I forgot to state that I also gave them access to my income tax statement. I have talked to probably 6 different people and no one has explained why they are trying to put me in default. I also filled out the application online for IBR and answered their questions and it stated that I would qualify for no payment because of my lack of income, but, no one could tell me why they are not accepting any of my applications or proof of income. They keep saying I'm late on a payment and calling almost every hour!! Please help.
Company Response: Closed with explanation

Timely Response

2019-07-26

Clarkston, MI

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

2019-07-26

Fairfax, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Pioneer Credit Recovery , Inc started calling us over a month ago, every single day. I've told them a dozen times there is no XXXX XXXX here and I've had the phone number for over 21 years. I also told them I am a XXXX veteran. They say they are going to adjust their records but the next day the calls continue. Twice they said they're going to put a Do-Not-Call order on the account but they still continue calls the next day. Never Once have they said they're going to erase my phone number from their system. No matter what I say they refuse to stop calling me daily to ask for someone who has not been here or associated with my phone number for over 21 years and there seems to be no way to make them stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-26

Arlington, VA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Daily harassing phone calls. I did call to complain to Pioneer Credit Recovery an they wanted to verify personal information which I refused to give. I have no outstanding debts and do not know why this company continues to harass me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-26

San Francisco, CA

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

2019-07-26

Alameda, CA

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

2019-07-26

MS

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I have been paying a student loan to Navient for some years. A couple months ago the payment amount auto drafted from my account went from XXXX to XXXX without notice. I called and was told that the loan repayment plan had expired, and the payment would soon go to XXXX. I told them I could pay the XXXX but not the XXXX and was told they payment would be XXXX. The XXXX was drawn from my account for XXXX and XXXX. In XXXX I saw in my bank account they were deducting XXXX. I called again and was told there was no agreement to change the payment and it would be XXXX now. After being on the phone for some time I was told they would put my loan on hold until XXXX and send me an income sensitive repayment form to complete. On XX/XX/XXXX I received another email to my account saying the payment would XXXX due XX/XX/XXXX. On XX/XX/XXXX I received another email saying the payment would be XXXX due XX/XX/XXXX. I submitted the income sensitive repayment form on XX/XX/XXXX. On XX/XX/XXXX I receive notice that my account was past due XXXX and I needed to pay XXXX and XXXX payment of XXXX. There is no way to plan finances when Navient changes my payments without notice. I want to pay my loan back but can not manage when they change my payments over and over.
Company Response: Closed with explanation

Timely Response

2019-07-26

Lacey, WA

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

2019-07-26

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-07-26

North Prosser, WA

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

2019-07-25

Arsenal, PA

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

2019-07-25

Portland, OR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I rehabilitated my federal student loans with XXXX in XXXX and thereafter Navient became my student loan servicer. The first year of IBR my income was {$21000.00} in XXXX and my student loan payment was {$38.00}. I re-certified my loan this year based on my XXXX income of {$34000.00} and my new IBR is to be {$190.00}, 5 times more than the previous year. I contacted Navient and they sent me information on how the IBR is calculated, please see attached. My income only increased by 1.6 percent. The new monthly payment was far from what I expected it to be and I know that it will be difficult at best to pay this amount monthly. Is this truly the best Navient can do? I fear that this pattern of excessive increases in the years to come will prevent me from saving anything for retirement let alone pay for basic necessities such as rent, food et cetra. I question why there method of calculating my IBR monthly payment in XXXX clearly did not match their method this year.
Company Response: Closed with explanation

Timely Response

2019-07-25

Northside, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XXXX : wanted to submit for the loan forgiveness, since I met the payment qualification. The company told me I had to do something differently with my loan, then make the qualifying payments in order to qualify. I was told prior that my loans that were qualified for the program, even if I consolidated, which I did. Please help as I have been paying for some time and expected this loan forgiveness since I have been a XXXX since XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-25

Harsens Is, MI

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: I have had these two loans with Sallie Mae since 2004. My aunt was the primary borrower on one. She died. They told me to have my other aunt her guardian send in the death certificate and it was subject to be cancelled or done. 3 months later, after hearing nothing, I started getting calls saying I was 120 days delinquent and they removed her like she was never on there. For two years I asked for promissory letters. They sent wrong ones. I filed a complaint with you guys a couple of years ago. No resolution. You cancelled my claim and stated you guys would be investigated them due to many complaints. Fast forward to now they are Navient. I this year requested forgiveness for these two private loans due to the school I attended not existing any longer. I was told no. I am now a single parent of a XXXX year old. I am solely responsible for without any support. I am fortunate to have a decent job, with XXXX, etc, I cant qualify for any help because I have a decent job ... .but am still trying to make ends meat. His child care alone is XXXX monthly. I cant go into forbearance. Im stuck. I need help. This isnt right. Thank you
Company Response: Closed with explanation

Timely Response

2019-07-25

Lb, CA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Hi ... i want to get rid of this loan ..first off they are charging me ( Navient ) for something I dont work for I went to school for XXXX XXXX at XXXX College which is no longer open school got close down nowhere to be found and still charging me I just want to get rid of this so my credit can go up I been in this for the past 7 years and my credit just dont go up! I really need to get rid of this student loan ... I need help!!!!
Company Response: Closed with explanation

Timely Response

2019-07-25

Peru, IL

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

2019-07-25

Eastvale, CA

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

2019-07-25

NY

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

2019-07-25

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-07-25

Dover, DE

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-07-25

Bloomfield, NJ

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

2019-07-24

Middletown, CT

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

2019-07-24

Milton, PA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I received a phone call from what I thought was the department of education however it turned out to be XXXX XXXX. They asked me all my information household size debt etc. They told me I could get my student loans lowered to {$39.00} a month with the REPAYE and that it would still be forgiven in the 20 yrs under the student loan forgiveness plan. I paid them a lump sum of {$390.00} on XX/XX/19 and then {$39.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19. I got a bill from Navient stating I had been approved for the REPAY income driven based loan and my monthly payments were lowered to somewhere between $ XXXX {$180.00}. So I contacted XXXX and said I thought I wouldn't have to pay Navient anymore and just XXXX the {$39.00} a month. They said Navient is my student loan and to pay them as well. So I knew then it was a scam. I contacted them telling them I was being scammed and wanted my money back and I could have had my loan lowered with Navient for free by doing it myself like I have in the past. They didn't respond to my email. I sent another email telling them I do not give them permission to take any more money from my account. Now I am unable to even log in to my Navient account, says they don't have record of me. Please help!
Company Response: Closed with explanation

Timely Response

2019-07-24

Atlanta, GA

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: I have sent letters to the Credit Bureaus and Navient XX/XX/2019, and XX/XX/2019 trying to get some clarity on this account. I the amount they are saying I own and to this company is incorrect, yet they have not sent me the original signed contract because I have never agreed to pay Navient or never had a contract with them at all. They continue to report negative and late payments to my credit when I communicated to the the documents that I requested to see. I feel like this is a violation of my right as a consumer.
Company Response: Closed with explanation

Timely Response