Navient Solutions, LLC.

2019-07-11

WI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I paid off Subsidized Loan XX/XX/102019, Now their is a balance of XXXX their but the payment I made was to pay it off I have called 3 times why is this amount their when I made a pay off on this account they will check into it. again I called they will put in top priority and call me on the XX/XX/XXXXthis month. Iam paying interest on this now when it should have been paid off already this is not fair to me!!!
Company Response: Closed with explanation

Timely Response

2019-07-11

Murray, UT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: While Navient was my loan lender, they kept assuring me that my payments were being applied to the Public Service Loan Forgiveness program. I even sent them several PSLF employment forms and confirmed with Navient that they had been received and were being counted. My payments, of course, couldn't be counted because my loans needed to be consolidated under XXXX XXXX to be eligible for the PSLF program. Navient lied to me for 2 years before I found out the truth. I've lost 2 years of PSLF because of Navient. Navient need to be held accountable for lying and taking advantage of thousands of people.
Company Response: Closed with explanation

Timely Response

2019-07-10

Albuquerque, NM

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

2019-07-10

Gentilly, LA

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

2019-07-10

Taft, OH

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

2019-07-10

Orlando, FL

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

Timely Response

2019-07-10

Carver, MA

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

Timely Response

2019-07-10

DE

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Loans went into repayment in XXXX after I finished graduate school. I didn't successfully complete certification for my new career until XXXX of XXXX. Between that time my loans had been transferred to Navient of whom I contacted several times to see if I could pay a reduced amount toward my loan. They told me they could not accept any other payment other than what they had stated to me during my conversation with them. I explained that I could not afford the amount they wanted me to pay, but I could make a monthly contribution within my means so that I could just start repayment. Over and over again on calls I was told that NO money would be accepted and instead my loans were placed into deferment, then eventually forbearance which over time has collected a large amount of interest. In XXXX I was pretty much forced to find a solution to my loan debt or else my loans would of defaulted, or so I was told by a Navient representative. I did find out later that I could of went on an emergency forbearance in order to prevent that. That did not happen because I was not offered that option that time through Navient. They basically said that was the only option, start paying or be placed in default. I had to do something, so I enrolled with a third party servicer, XXXX XXXX in XXXX. I learned that this company also has a lawsuit filed against them. I received information from the Federal Trade Commission regarding the lawsuit in XXXX of XXXX. There is no secret that I was not able to maintain and live with a large monthly loan payment. Even on the repayment plans offered this is not conducive. I have offered in most recent years to pay XXXX XXXX monthly with my now servicer XXXX, and they too have said that they can not accept the payment. In my case I am looking to have my interest fees waived during the time my loan was being serviced through Navient ; in particular for giving me false information regarding repayment options and resolutions for my student loans. I would not have entrusted my student loan to a third party servicer, but I felt I had no other choice. XXXX as far as I know was not making full payments on my behalf towards my loan either. I am not quite sure how to go about collecting my year 's worth of payments made to them. I am willing to pay, I just want fair options and opportunities to be presented to me in doing so.
Company Response: Closed with explanation

Timely Response

2019-07-10

Newnan, GA

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

2019-07-10

Oxford, GA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Hi, I was enrolled in XXXX XXXX College from XXXX to XXXX. Turns out that XXXX XXXX was one of the for-profit colleges. I'm being told a company that goes by XXXX that I can qualify for loan forgiveness and I want to know if this is something you can help me with. They're telling me because of the William Ford act that President Obama passed I qualify because of my income. They want me to pay them a fee are there services and they can have me pay the debt collection agency {$5.00} a month for 9 months and after that my balance will be zero dollars. Please get in contact with me if you know anything about this or there is any help that you can provide. Thank you
Company Response: Closed with explanation

Timely Response

2019-07-10

Stkn, CA

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

2019-07-10

Albany, NY

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have federal student loans that ended up with Navient. At one point, I was paying them - or so I thought - through a 3rd party debt consolidator. To my shock, that company was a fraud. I had to, then, discuss repayment options with Navient, stressing how very difficult it is to afford the options they presented. They suggested recalculating via the website. Not only has Navient been less than helpful or understanding, but, I'm now receiving harassing robocalls 6 - 12 times a day, all throughout the day, weekdays and Saturday. This is well outside of the call times I specified to Navient, which they still have on record. Additionally, somehow Navient has discovered my WORK phone number and has been calling multiple times throughout the day, for weeks! This is a severe problem at my work. Because my office is extremely quiet, the frequency of these outside calls ( indicated by the double ring ) misconstrues itself as private phone calls during company time, which is detrimental. I sit within ear shot of managers, executives, directors, etc. I never gave Navient my work number. It's not on my profile. I never gave it out. How was it found? Endangering my employment will only serve to exacerbate strained finances.
Company Response: Closed with explanation

Timely Response

2019-07-10

MA

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: I was given a student loan with Sallie Mae ( now Navient ). I was XXXX at the time and didnt know what I was doing. The initial amount was for {$10000.00}. The loan now is around {$25000.00}. Over the years Navient has urged me to pay the minimum amount of apply for forbearance with ballooned the loan up to 200 % what it initially was. Navient has been unwilling to lower the interest rate or principal amount. My complaint is that they use deceptive practices to naive college students to keep them in debt.
Company Response: Closed with explanation

Timely Response

2019-07-10

Cocoa, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-07-09

Cocoa, FL

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Complaint: Navient contacted my wife two weeks ago on her number leaving a message for me indicating I was 90 days past due. I was in a rehabilitation program where they had all my updated information such as my address and my phone number and was paying {$5.00} a month. No one contacted me to let me know that Navient was taking over the loan. Obviously they had updated information for hey contacted my wife ( and I've only been married a year ). When I called they told me they did not have the correct address, they were using an address from when I originally got the loan back a few years ago. Amazing how they recieved my updated telephone numbers but not my address.
Company Response: Closed with explanation

Timely Response

2019-07-09

El Cenizo, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-07-09

Manhattan, NY

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response

2019-07-09

Las Vegas, NV

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Complaint: Hello, For the past 9+ years, I have been struggling in dealing with Navient about the information of my student loans. Over the past five years, I have been under the impression that I was on a 10-year repayment plan. I was told be several representatives that I would have my loans paid off within 10 years but to my surprise, I was misinformed. I asked for there assistance in finding a repayment plan that would be best for my needs, with have XXXX kids/supporting a family. I was told that I had to call Student loans.gov when I found out that I had been misinformed about by debt and repayment plan. In actuality, my debt had doubled due to the interest and the type of loans I had and I was not informed about this happening when I directly ask the representative. Today I called Naveint customer service to obtain more information about my loans and why my payment had increased without any contact from their office. The replay I received was short and was never answered, again I was referred to call student loans.gov. I ask if I could change my repayment play to another and I was told that the standard payment plan was in the best of my interest and I would have them paid off in 10 years but this also was untrue. I have now filled out an application to consolidated my loans and move to a different provider. Please if there is anyone out there who could help me I would greatly appreciate it. I can not afford to pay for the ridiculous amount of interest that has occurred because I was misinformed by Navient 's representatives.
Company Response: Closed with explanation

Timely Response

2019-07-09

Detroit, MI

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I contacted Navient about a loan forgiveness because of the intuition I attended that they we're shut down of there practices and no one would help
Company Response: Closed with explanation

Timely Response

2019-07-09

Kewadin, MI

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

2019-07-09

Jacksonville, FL

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: My student loans reflect as ok for one month and jump to 90 days late the following month. I don't understand how you become 90 days late in a 30 day period. I've disputed this with all 3 credit reporting agencies. On XX/XX/XXXX I received notification that my dispute filed with one credit reporting agency has been completed. While reviewing changes made to my payment history, I noticed they only corrected one month, XX/XX/XXXX but changed XX/XX/XXXX to 90 days late so nothing was actually fixed. The reporting reflects incorrectly jumping from ok 1 month to 90 days late the following month going back to XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-09

Ft Myers, FL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Here are copies of our account numbers and copy of cancelled checks that our title company sent with all of our information to Navient and to payoff {$70000.00} of Student loans we co-signed for our son. All of these checks were cashed by Navient on XX/XX/2019 and were to be credited to our account. NOTHING HAS BEEN DONE TO CREDIT OUR ACCOUNT! Instead we have been dunned like bad debtors as well as being told we are going to be charged interest and Late fees for the last 3 months! We are at a total Loss and distraught due to the fact we took out a 2nd mortgage on our home so we are paying for this too! We need to have this cleared up so we can live our lives and keep working to get our XXXX child through XXXX XXXX. PLEASES HELP! XXXX & XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-09

NJ

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: The loans are giving me hardships due to not being able to live off of the income post loan payments. We never missed a loan payment at all and should be able to have some help in this stage. Also, the school misled us ( Co-Signers and Borrowers ) on the loan payments nor the amount of money each semester. They also mislead most students on how they said they would offer help to the graduating students on getting jobs in their field and almost half couldn't get a job in their field at all.
Company Response: Closed with explanation

Timely Response

2019-07-09

Stevenson, MD

Incorrect information on your report

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

Account information incorrect
Complaint: Once I realized in mid XXXX that my 4 accounts were reduced to 3 accounts with Navient student loan company, i contacted them. First i was told it was still 4 accounts and that I am not due to pay any amount since my loans are on administrative for forbearance. Same year, I got a credit score report with my score plunging down due to derogatory reports from Navient that one out of four loans was in charge off/collection. I started to make numerous phone calls, send emails and postal mails with dates. I would stay long hours on the phone to resolve the issue, I even disputed credit reports through the credit unions all to no avail. My credit score continues to be affected by this monthly derogatory report and am not able to qualify for any credits whatsoever because of it. I made many calls requesting that my one account gets moved back to the current accounts like my 3 other accounts. I sent so many emails until they stopped accepting emails from me and I would get undeliverable messages from Navient. I do not know who else to go to and what else to do. Legal actions do take time and money so I was advised to file a complaint through this website. The last time I tried to solve this was Friday XX/XX/XXXX on or around XXXX. I spoke with XXXX XXXX then XXXX XXXX, then XXXX XXXX who went through all the payments and determined that the error was made in the manner they split my payment. I always made one consolidated payment for my 4 student loan accounts that is sending only one payment. According to XXXX, she determined from her search that at sometime in XXXX of XXXX they made the mistake and missed one account when they were crediting all 4 accounts. According to XXXX, she said that in XXXX, they reported the account since it was in collection/charge off to credit reporting agency. XXXX finally indicated that this can be fixed since she is able to locate the reason and it can only be done by customer service. XXXX XXXX then transferred me to customer service escalation team rep XXXX XXXX to fix the problem. XXXX said she will contact the necessary departments and get it resolved by pulling it out from collection/charge off. I have continued to be in contact with Navient staffs and no matter the promises I got that it will be fixed, it was never done. I plead that you help me resolve this as my credit score has been bad for years because of this monthly reports. In addition to these derogatory reports, the loan amount continues to increase. I even sort an attorney to discuss this, after the attorney reviewed all the files I sent to him, he wrote them and was on the phone with me and them in XX/XX/XXXX when they said it will be resolved by customer service escalation team, XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-09

Chester, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: Hello, Today ( XX/XX/2019 ) was the 3rd time I called Navient about my loan issue. I made a payment to Navient on XX/XX/2019 in the amount of {$81.00}. On XX/XX/2019 my loans were transferred to XXXX. XXXX has since been charging for the month of XXXX payment which I have already paid to Navient. I called XXXX and explained that I had already made this payment and they told me to speak to Navient about it and have them transfer that information to them. I called Navient and explained what XXXX had told me and Navient stated they would refund me the {$81.00} and I will then make that payment to XXXX. While on the phone with Navient, they told me they requested for me to get my refund and I should get it in a few weeks. When about a month went by and I didn't receive a refund, I called Navient back and the agent told me they saw no such request in my account and she went ahead and made another request for me. She stated that I would get my refund by XX/XX/2019. When XX/XX/XXXX passed and I still had not received my refund, I called Navient ( Today ) and I spoke to an agent by the name of XXXX XXXX, code number : XXXX I explained my situation to XXXX and told him that I had not received any refund. XXXX put me on a brief hold, came back and explained that I made a payment with Navient for the month of XXXX and that I have a XXXX balance with the company. As I tried to explain to him that I understand I have a XXXX balance but XXXX didn't receive XXXX 's payment he refuse to let me talk. He cut me off and began to speak over me. I told him that I allowed him to explain the information he got and told him to let me explain what XXXX told me and he cut me off again, spoke over and put me on hold as I was speaking to him! I asked to speak to his supervisor which he explained that she was sitting right next to him. The supervisor 's name was XXXX ( female ), code number : XXXX. XXXX came on the phone and explained what was going on with my loans and I told her that I would like to make a complaint how rude and disrespectful XXXX was to me. I explained that I have never gotten such terrible customer service from an agent. I asked her for a phone number to file a complaint and she did not give it to me. She said I can file it with her. She then went on telling me that I no longer have an account with Navient as to explain why I want to file a complaint or why I can't file a complaint. I asked her for the name and number of her superior and she did not give it to me. I asked her for her last name which she denied and then I asked her for her code number which she gave to me. She would not give me any other information on how to file a complaint and went on saying that we could call XXXX together to speak to them about this payment. I agreed but ended up ending the phone call because I was too upset to speak. I went online and found a number to file complaint about these unprofessional agents that I had just spoken to and to see if someone else could help me fix this issue. I called XXXX and was given this website to file a complaint. I had been with Navient for many years and made payments on times, each time. I had NEVER felt so disrespectful by any agent ever in my life before. The way that those agents spoke to me and their lack of professionalism was disgusting!
Company Response: Closed with explanation

Timely Response