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 53
2019-07-16
Tulsa, OK
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I obtained student loans for medical school from XXXX with Navient ( then Sallie Mae ). My loans were in forbearance/deferment during residency secondary to financial need. I was unaware of income based repayment options during that time.
In XXXX, I entered into repayment under an income based repayment plan with the goal of using PSLF ( public student loan forgiveness ) since I employed in a federally funded university. I had spoken to Navient many times about confirmation that my loans would qualify, which each time I was reassured that I was on the right track.
Yearly I continued to keep up with the yearly recertification of the income based repayment plan from XX/XX/XXXX to XX/XX/XXXX ( a total of 60 months of income based payments to Navient ). Each year I discussed the desire for PSLF to make sure I was on track and each year I was reassured that I was doing what needed to be done to qualify after the 120 payments.
In XXXX of XXXX, I found out that my loans through Navient did not qualify under the PSLF program. In order to qualify I would need to consolidate my federal student loans ( {$340000.00} ) through the Department of Education ( XXXX XXXX XXXX ) and restart my 120 qualifying payments. I tried in multiple time to see if any of the previous years of payments could qualify and each time I was told no. I contacted Navient about the situation and they confirmed that I did not qualify with they types of loans that I had for PSLF, despite their reassurance over the previous years.
Currently I have my federal loans consolidated with XXXX XXXX XXXX and I am making payments monthly to reach the 120 payments under a incomed based repayment plan.
Had I been given good information from my lender about my loans not qualifying for PSLF, I could have easily consolidated my loans in XXXX.
Company Response: Closed with explanation
2019-07-16
Lewiston, NY
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I currently pay {$250.00} in monthly payments to Navient on a Rate Reduction Plan for {$63000.00} on student loans. Approximately $ 200/month goes toward the interest of my loan while only {$56.00} goes toward the principle of my balance. I originally took out about {$50000.00} in student loans through Sallie Mae ( now Navient ). I am on a 30 year repayment as I can't afford the over {$600.00} standard monthly payment. Over the course of the next 30 years based on the current loan rates I pay, Navient will profit at least {$72000.00} on an original {$50000.00} student loan. I've requested alternate payment options- none are available. I've filed formal complaints with Navient- I'm reminded of the original terms and conditions of the loan. When filing the complaint with Navient I was told my complaint is the most frequent complaint about Navient. Even mortgages are available for refinance. I've tried to request my payment allocations be restructured so {$200.00} goes toward principle while {$50.00} goes toward interest- Navent refuses and does not have such a program. Every six months my monthly payments increase with Navient due to a 0.5 % increase on interest. I can not afford the continuous increase in interest payments, I'm frustrated Navient and their shareholders continue to profit off my hard earned money. I've even considered stopping payment altogether but can not as Navient will pursue legal action against myself and my co-signers to garnish wages or put leans against my cosigners property. I comply with the payments to prevent the aforementioned consequences. I do not pay out of consent ; I believe Navient is financially raping thousands of student loan borrowers to line the pockets of the million/billionaire shareholders that have stock in this corporation. Because of Navient and my astronomical $ XXXX/mo student loan payments I can not afford a house, it's a struggle to help support my family, and quality of life is poor. I went to school for a better life, instead, I'm indebted to Navient, paying astronomical interest rates with no benefit to my self or my family. I can not better myself and return to school for a trade because deferment and forbearance will only increase my interest rates and long term repayments. I believe legal action needs to be taken against Navient to assist student loan borrowers reduce payments and help pay loans off faster. After 5 years of repayment to Navient, I have barely reduced overal principle of the loan and will not pay off these loans until I am XXXX years old.
Company Response: Closed with explanation
2019-07-16
Brooklyn, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-07-16
OH
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Complaint: My credit score is low, mainly due to my student loans. While I acknowledge that I attended three colleges and have a lot of student loan debt, I began looking closer into the loans I am paying on. Two of them are listed for a school I did not even attend. I have wondered for a long time why and how I ended up with such a high amount due. I am wondering why/how this could have happened? One of the loans is now for more than {$17000.00}! This one is dated to have been dispersed XX/XX/2005. The original amount was {$16000.00}.
I have had other issues with my lenders too, such as different payment options being made available at different times and no mention of delinquent loans when I call in.
Company Response: Closed with explanation
2019-07-16
Arco, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: My Federal Loans were transferred by the Department of Education to Navient Loan Services to manage my loans. Around 7 years ago, I was instructed by Navient Loan Services about that my student loans would qualify for XXXX Forgiveness or Public Service Loan Forgiveness programs. In 2017, I submitted the XXXX Forgiveness application. It was turned down for some technicality, I still do not understand. Subsequently, I was recomended to apply for Public Employee Services Forgiveness program. Today, I called them and was told that my 2. ( {$200.00} total ) out the 3 loans do qualify, but not the {$24.00} XXXX loan. I have being making payments under the impression that I would qualify for Loan Forgiveness for working XXXX XXXX areas and providing XXXX XXXX with the government. I was wrlong! I was cheated.I have made payments for the last 7 years and beyond and never compensated for my services as promised.
Company Response: Closed with explanation
2019-07-16
Federal, 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 explanation
2019-07-16
Washington, DC
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Closed with explanation
2019-07-15
Richmond, VA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-15
KY
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: XXXX has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay General Revenue Corporation, which XXXX reports negatively that I owe this company. There is no contract.
This debt is not mine.
Company Response: Closed with explanation
2019-07-15
Neotsu, OR
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Company Response: Closed with explanation
2019-07-15
Oxford, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: The following Corporations : Sallie Mae, XXXX XXXX XXXX, Navient Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/SALLIE MAE XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Sallie Mae and XXXX XXXX have sent inquiry letters, my response to there letters were affidavits of fact dated XX/XX/2019 for which no response was received rebutting any of the affidavits, there for falling into default judgment dated XX/XX/2019 for all affidavits received via Certified Mail See Attachments. Under United States Code 12 USC 73 Oath the bankers affiliated with these Corporations Chief Financial Officers have violated their Oath 's of Office. They have hypothecated and/or pledge as security on loans and debts. Also under Title 12 United States Codes 12 USC 411 Issuance to reserve banks ; nature of obligation ; redemption. Debt is the Obligation of the United States. Under the Truth in Lending Act Regulation " Z '' human beings can not be financial institutions and as a " Person '' which is defined as a corporation under Title 28 Section 3002 ( 15 ) ( A ). I am a sentient living woman I can not be a corporation as defined above in ALL CAPITALS LETTERS. The XXXX XXXX, Artificial Person, or 'Straw-Man ' is not who I am. This leads into a false claim under Title 31 USC 3729 False Claims. The amounts allegedly claimed owed from each corporation is as follows : XXXX XXXX amount allegedly owed {$260.00} ; XXXX XXXX XXXX amount allegedly owed {$5800.00} and {$3700.00} ; XXXX XXXX XXXX amount allegedly owed {$310.00} ; Department of Education/Sallie Mae allegedly owed {$4100.00}, {$6600.00}, {$11000.00}, {$4500.00}, {$8500.00}, {$8500.00}, {$12000.00}, {$4400.00}, {$12000.00}, {$3300.00}, {$2800.00}, {$10000.00}, and {$5600.00} ; XXXX XXXX XXXX amount allegedly owed {$850.00} ; XXXX XXXX XXXX XXXX amount allegedly owed {$0.00} ; Navient Corporation amount allegedly owed {$5600.00}, {$2800.00}, {$3300.00}, {$8500.00}, {$10000.00}, {$6600.00}, {$8500.00}, {$12000.00}, {$4100.00}, {$4500.00}, {$8500.00}, {$12000.00}, {$6600.00}, {$2800.00}, {$3300.00}, {$10000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$20000.00}, {$5600.00}, and {$20000.00} ; XXXXXXXX XXXX XXXX amount allegedly owed {$870.00} ; Sallie Mae Amount Allegedly owed {$8700.00} please see attached documents and inquiry letters. This is Identity theft, and fraud.
Company Response: Closed with explanation
2019-07-15
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
2019-07-15
Kachemak, AK
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-07-14
Auburn, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-07-14
WI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I would like to Lodge a formal complaint against XXXX, as I had a Sale Mae/Navient loan. I had called several times to ensure I was eligible for loan forgiveness, as I was a teacher. I was told I was on track, but every person I talked to told me something different.
In the end, it turns out that because I paid more than a minimum monthly payment, I was not eligible for loan forgiveness and none of the payments I had made would qualify for credit towards forgiveness.
We ended up paying the balance off ASAP to be done with the mess, as I was given faulty information on multiple occasions.
Company Response: Closed with explanation
2019-07-14
Jupiter, FL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: Navient was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, Navient removed 7 accounts from my credit reports that were in good standing causing my scores to plunge.
The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).
I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Navient communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.
Company Response: Closed with explanation
2019-07-14
Milwaukee, WI
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Complaint: I cant get them To stop calling at least three times a day for the last four months while I been in financial hardship. Harassment at its finest and my caller ID is full from calls as well as my answer machine.
Company Response: Closed with explanation
2019-07-14
PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. Navient is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.
Company Response: Closed with explanation
2019-07-14
Odell, OR
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-07-13
Arco, CA
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Complaint: I have several late payments from Navient on my credit report and I do not know why. I was in school from fall XXXX to spring XXXX. In XX/XX/XXXX my XXXX passed away, and because he was a cosigner I was told the student loans would be forgiven. Years and years passed and I never heard from them again. Not a phone call, not a letter in the mail, literally nothing. Then one day I looked at my credit file and I had several late payments from them. This was in XXXX, years and years after attending school. Any attempts to follow up with the company and get it fixed have not worked. When I call they say someone from the company must have given me wrong information and they couldn't help. I disputed the payments with the credit bureaus, and nothing. I am now paying my student loan payments monthly and have never been late, I don't mind paying. But the late payments on my credit file is ruining my credit and I need it removed.
Company Response: Closed with explanation
2019-07-13
Louisa, VA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-07-13
Nyc, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: For the past 3 years I have been under an Income Sensitive Repayment plan, which must be renewed each year with an application and letter verifying employment ( VOE ). Every year it is the same. Navient misreads my VOE and falsely inflates my income. I am a XXXX and am paid on a 10-month salary. Navient does not understand what 10-month salary means. So it gets explained over and over each year, it takes about 5 phone calls, and then by the time they " figure out '' it is the same as the previous years, my term has ended and they say they " must cancel '' my reduced payment plan. This means it takes a month or two at a much higher payment rate to be resolved, right at the time ( summer months ) that as a XXXX I am not being paid. Navient knows this and does the same thing each year. This is a way to gouge a little more cash from their helpless customers.
Each time I keep a paper trail. Their customer service people openly lie and say " oh it is fixed, we promise '' but then it does not get fixed. This year again I have the paper trail to prove the following : This year I have the online chat record to prove that back in XXXX Navient approved my application, accepted the VOE, and agreed to the usual reduced payment plan. But once again they cancelled my plan, and claim to have " lost '' my forms. This happens every year! Like the last few years, they also always refuse to send the final confirmation until the end of the previous cycle. That makes it impossible to fix any problems because it is too late. This year it happened again and they are refusing to correct their error ... asking me to go into forbearance ( which just makes them more money ). This is unethical business and they have me in a bind, threatening to ruin my credit. Please help!
If you read the attached copies of my correspondence with Navient, they said back in XXXX that all was A O.K. and I need do nothing else. But this week they posted a note to me saying my repayment plan was cancelled, they did not get any forms ( a lie ), and the my payment will now be doubled as of immediately. They pull this stunt every year!
Company Response: Closed with explanation
2019-07-13
Chicago, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-07-13
WA
Problem with a credit reporting company's investigation into an existing problem
Student loan: Federal student loan servicing
Problem with personal statement of dispute
Complaint: Student loan is my son 's responsibility. His late payments have affected my credit score. Navient continues to harass me. They ask personal questions ( they do not have the right to know certain information ).
I have given them my son 's contact information. I do not want them calling me at all times of the day.
Navient has had access to my credit scores and have lowered my credit score.
Company Response: Closed with explanation
2019-07-13
Sylvester, GA
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: XXXX and Navient have file negative history on my credit reports with all three bureaus. During the time my student loan debt was reported the companies were sending paperwork and contacting my father ( same first and last name ) that I was not associated with at the time. I had not spoke to my father for several years and was not getting the notifications of who owned my student loan debts.
I have now consolidated all of my student loans and not missed a payment for almost two years. My credit score is solid, but these negative marks are holding me back. I am asking for the items to be deleted from my all three bureaus because there is a XXXX balance with the two companies. At this time I am up to dates on everything and would like things to be corrected because I did not know of defaulting.
Company Response: Closed with explanation