Navient Solutions, LLC.

2019-07-12

Detroit, MI

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-07-12

Renton, WA

Written notification about debt

Debt collection: Federal student loan 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

2019-07-12

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I have several loans managed by Navient. some of these loans were consolidated from other companies. Most of loans were federal subsidized and unsubsidized. the lowest interest rate I pay is 3.125 % and the highest I paid was 9.75 % on a training loan. Most of my outstanding loans abo ut ( {$62000.00} ) is at the rate of 6.8 %. I graduated in XX/XX/XXXX and for couple of years I did not make significant payments into the loans, except of a loan to Sallie Miae, which was consolidated to Navient in XX/XX/XXXX. the total I borrowed in this loan is {$18000.00}, I consistently paid {$180.00} monthly since XX/XX/XXXX. Even when I was late next month I paid the late charges and the missed month. so far I paid over $ XXXX of this loan and still going. I don't even now how much is the balance now but I'm sure it wont be less than XXXX. below is the current status of all the loans. 1-01 Career Training {$0.00} 9.750 % No Due Date 1-02 Stafford - Unsubsidized {$0.00} 3.370 % No Due Date 1-03 Stafford - Subsidized {$0.00} 3.370 % No Due Date 1-05 Consolidation {$5500.00} 3.125 % XX/XX/XXXX 1-06 Consolidation {$8600.00} 3.125 % XX/XX/XXXX 1-07 Stafford - Subsidized {$0.00} 6.800 % No Due Date 1-08 Stafford - Subsidized {$13000.00} 6.800 %XX/XX/XXXX 1-09 Stafford - Unsubsidized {$24000.00} 6.800 % XX/XX/XXXX 1-10 Stafford - Unsubsidized {$24000.00} 6.800 % XX/XX/XXXX 1-11 XXXX XXXX {$0.00} 8.500 % No Due Date When I graduated the total I owe was about {$96000.00}, and by XX/XX/XXXX the total I owe was above {$130000.00}. During the last two years I managed to reduce the loans to the point where the total was just over $ XXXX. Since then I did not miss a payment, maybe a little delay but did not miss a payment. Today the total I owe s {$76000.00}. according to my calculations the total I owe should be less than $ XXXX. Since I started paying and up to date I believe I have paid not less than XXXX into these loans but most of the amount I paid went towards interest and maybe other fees. I believe I was unfairly treated and fees, high interest and other charges were dumped on me. For the year of XX/XX/XXXX alone, Navient sent me a tax document that showed I paid $ XXXX in interest. imagine the interest payment alone for was XXXX in a loan at the time a little over 100k. I would like to file a complaint and have the loan managing company disclose : 1. how much interest I paid from the start up to date ; 2. i'm contesting the legality of the charges, late payment charges 3. I'm contesting that I agreed to the interest rate of 6.8 % and the rate of 8.5 %
Company Response: Closed with explanation

Timely Response

2019-07-12

Effingham, KS

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

2019-07-12

CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: this loan was made under false pretensis from the sales rep at the university they did not allow me to finish due to an accucation of plagarism- i want this load forgiven if possible as i was not able to finish - NAVIENT is unwilling to listen and they continue to deduct the monthly charge
Company Response: Closed with explanation

Timely Response

2019-07-12

Modesto, CA

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

2019-07-12

Milwaukee, WI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Sallie May ( the student loan dealer ) solded it's business to navient - 2003 my sister took out a loan with sallie may - when they sold there business some how all of her info transferred to me and shes receiving all of my information.. Not only that but when it comes to my bills and payments they send them to her! They claim I gave them her email address but thats all lies - theres no proof of that - they completely violated my personal information and breached the contract by giving out my information and violating my confidentiality rights!
Company Response: Closed with explanation

Timely Response

2019-07-12

Manhattan, NY

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: Navient continues to call telling me I need to make a payment even after a payment has been processed. The call multiple times per day and harass me for a payment. I tell them I have already made a payment and they do not stop calling.
Company Response: Closed with explanation

Timely Response

2019-07-12

FL

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I co-signed for my grandsons loan and now he is having problems making the payments. The company calls me 4 to 5 times a day and asks me when am I going to start making payments. I'm retired and can not afford to make the payments. My grandson currently lives with me and I'm trying to help him make his payments, but the only jobs he has been abe to get are landscaping which dose n't pay enough for him to afford to live on his own
Company Response: Closed with explanation

Timely Response

2019-07-12

Durham, NC

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

2019-07-12

KS

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
Complaint: This is a student loan that my wife took from NAVIENT while attending college in XXXX. When we got divorced in XXXX of XXXX the divorce decree states that she is solely responsible for any and all student line debt. She has since filed bankruptcy and NAVIENT tells me, when I call them, that she included this loan in her bankruptcy. It shows as a charge off on my credit report so it needs to be removed.
Company Response: Closed with explanation

Timely Response

2019-07-12

AZ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: So, I'm trying to go debt-free and I've been making " overpayments '' toward the principle of my loans here and there over the last couple of years. Or, I thought I was anyway. I got frustrated because it seemed like my loan principle wasn't getting any smaller and I was right, it wasn't! I went looking for why and it turns out Navient applied all of my extra payments to the interest instead of my principle! They're sneaky about it too, when you make extra payments via the online dashboard, they call it an " overpayment '' but they don't let you specify where you want the money to go. I figured since it was an overpayment, it would go onto my principle ( since they don't have the option to specify ). NOPE! Not only were they stealing my overpayments, but they also have not been reporting my payments to the credit bureaus. I tried to find my monthly statements ( which they all but hide from you ) because I coud n't see a breakdown of my accrued charges on my dashboard. When I finally found my monthly statements, they're hard to interpret. Utterly ridiculous.
Company Response: Closed with explanation

Timely Response

2019-07-12

Wilmington, CA

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2019-07-12

Scottsdale, AZ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I gained XXXX XXXX employment in XX/XX/XXXX. At that time my student loans were with Sallie Mae which eventually became Navient, the student loan service provider for both my government and private student loans. From XX/XX/XXXX-XX/XX/XXXX the foreign customer service representatives ( Navient Customer Service Reps ) gave the impression that I did not have to change anything and that my student loan will be forgiven in XX/XX/XXXX ( i began paying it back in XX/XX/XXXX ). XX/XX/XXXX was the year that I called the foreign customer service line and, again, i was led to believe and told not to worry that my student loan will be forgiven in XX/XX/XXXX. The Navient customer service rep. on the phone led me to believe me and my student loan qualified for forgiveness in XX/XX/XXXX. XX/XX/XXXX arrived and I found out I qualified for forgiveness, but my student loan did not. It made me contemplate XXXX. It was devastating. When I discovered that I qualified but my loans did not, I then began requesting to speak to US representatives. From XX/XX/XXXX-XX/XX/XXXX, I tried to get my student loans to qualify and still do not know the outcome. Basically, I had to start over from XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX through who knows how long. Today, in XX/XX/XXXX, I requested all call transcripts to Navient Customer Service via their website. My loans are finally coded to qualify or, so I think as direct loans but still unclear if the past 10 yrs. of public service will count toward my loan forgiveness. Thus far, those years don't seem to count toward public student loan forgiveness.
Company Response: Closed with explanation

Timely Response

2019-07-11

Henderson, NV

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

2019-07-11

Dale City, VA

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

2019-07-11

Centerville, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-07-11

Pulaski, MS

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: My student loans are with Navient Solutions , LLC . This company has forced me into forbearance in that the would not lower my monthly payments to a payment that I would fit me. On XX/XX/2019, the company approved a forbearance only because they denied me a deferment. The reason the company said they denied deferment was because " Your income is greater than the poverty level guideline for your state and family size. '' I would have never asked for a deferment or a forbearance if the monthly payments were at a payment that I could handle. In XXXX of XXXX, I emailed the company and told them that the monthly payments were too high, even after I applied for income base repayment. The company refused to deny payments in my best interest. Therefore, it pushed me to either defer my payments or apply for forbearance. I also had a loan with a school that was a for-profit school, XXXX XXXX. This school is no longer open and credits were not transferable to any college. The college was not accredited.
Company Response: Closed with explanation

Timely Response

2019-07-11

Reno, NV

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have one open student loan with Navient. I send a payment every week to Navient with the loan number listed in the memo of the check. They apply the payment to 6 other loans that have been closed and sent to collections to be handled by a different company despite the fact that the loan number is listed on the check. I have not made a payment on the closed loans since XXXX but in my credit report it shows that I am paying monthly on them. I am not paying Navient at all for these loans. I have talked to them four times to have them correct this and apply the payments correctly and they will not. I have previously filed with the CFPB and they corrected it momentarily and then went back and did the exact same thing. I want all payments ever sent to Navient to be only applied to the open loan, and it corrected on my credit report for both the open and the closed loans. The last payment made to any closed loans was in XXXX and was sent to XXXX XXXX, not Navient,
Company Response: Closed with explanation

Timely Response

2019-07-11

Georgetown, SC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-07-11

Glendale, CO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Hello, I tried to reached Navient to settle a pass due monthly payment, I make very regular payments with good records, but had an issue with setting up my auto payment and missed two payments. I wanted to get the amount paid and so it wont effect my credit score. I google Navient Customer service and found Navient Student Loan XXXX. I thought I had reach Navient to settle my issue, and had giving my private information, SSN, Birthday, Credit Card Information. The teller was telling me about the loan forgiveness program where they would take my balance and transfer it from Navient to the Department of Education and would charge {$3000.00} for making the transition. I thought it was very fishy after reading it over the contract, and I refuse to agree to move forward. Then they transfers me to the manager and she was very pushy and really wants me to agree and move forward, she keep saying I can always Cancel after I agree to move forward, also very pushy. I did not agree, she was getting annoyed and hang up on me. I now realized that it was a huge scam. I am afraid for my sensitive information and a contract they have my information on, I am not sure how to protect myself at this point. The contract I still have and the name on there in small print is called " XXXX XXXX 'XXXX XXXX XXXX XXXX The website they directed me to was this and it also not real. Please advise
Company Response: Closed with explanation

Timely Response

2019-07-11

Sarasota, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Since the beginning of this year, I have attempted to send Navient my information for an IBR. They have miscalculated my repayment 2 times. ( my income has gone down, yet my payments have gone up considerably. ) I have written to the president of the company. I have turned in my documents three times as of XX/XX/2019. They continue to harass me via phone.
Company Response: Closed with explanation

Timely Response

2019-07-11

Columbus, GA

Threatened to contact someone or share information improperly

Debt collection: Federal student loan debt

Talked to a third-party about your debt
Complaint: This company continues to call my workplace and people in my social network, including but not limited to, another XXXX in my town and my neighbors. Using harrassing tactics and ruining my reputation. If they really want to see any loan repayment they are sabotaging my ability to do it. They have called me twice at work per day and many times on my cell phone since Monday. Interfering with my ability to work. Today at XXXX XXXX they left a voicemail message with a XXXX who is clearly not even related to me. I have a screenshot of said message if necessary. Several months ago they contacted my neighbors and XXXX friends.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-11

Lewiston, ME

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-07-11

Oxford, GA

Incorrect information on your report

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

Account information incorrect
Complaint: Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. Name of Accounts : Navient, XXXX & US DEPT OF EDXXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter
Company Response: Closed with explanation

Timely Response