Navient Solutions, LLC.

2019-07-02

Gloucester City, NJ

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

2019-07-02

NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: The calls are never ending and they call as late as XXXX. I got a loan through Navient in 2004 for a school called XXXX in XXXX Fl, later to find out that school isnt credited.They later changed the name to XXXX but the credits dont transfer and Im stuck with a XXXX $ bill that keeps increasing. I took two classes and only attended a semester. The school is fraudulent and I shouldnt have to pay.
Company Response: Closed with explanation

Timely Response

2019-07-02

Hemby, NC

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-02

Cherry Brook, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I submitted a request for XXXX to determine how many payments I have made during my loan history qualified for public service loan Forgiveness. This request was made in XX/XX/XXXX. The request has not been completed as of today ( XX/XX/XXXX ). When speaking with XXXX, they said that payment review is incomplete because Navient has not sent electronic records to XXXX. It has been over 10 months! This is unacceptable, negligent and fraudulent.
Company Response: Closed with explanation

Timely Response

2019-07-02

Bohemia, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: After getting XXXX and being out of work Navient our my loan in forbearance and each year adjusted my payments based on my income. But the payments were apparently interest only but the amounts didnt cover interest either. By the time I had a XXXX child two years later and we attempted to do forbearance again we noticed our loan balance actually went up over the course of 3 years because our payments that were decided for us didnt even comer all the interest.
Company Response: Closed with explanation

Timely Response

2019-07-02

Douglasville, GA

Incorrect information on your report

Student loan: Private student loan

Account information incorrect
Complaint: Navient has reported incorrect information on my credit report. I have several monitoring companies alerting me about my credit report. Navient has reported duplicate accounts on my reports for the same account. Navient needs to correct or delete the duplicate accounts that they have been reporting to credit bureaus.
Company Response: Closed with explanation

Timely Response

2019-07-02

TN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: According to both parties : XXXX and XXXX XXXX, 2 personal checks were sent to me as a refund from the funds that XXXX sent to the University. I have been asking for the copies of the cancelled checks for years. They can not produce them and they have now defaulted my student loans. Threatening legal action. The transactions supposedly took place in 2008, but did not show up until recently. They continue to say these are valid and I was asked by XXXX if I could prove that I did not receive the money? Why are they permitted to be unaccountable?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-01

Chicago, IL

Written notification about debt

Debt collection: Federal student loan debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2019-07-01

Meridian, ID

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

2019-07-01

Bloomington, MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: In XX/XX/XXXX, I reached out to navient, for information regarding a payment plan to start paying back my loans. Although I had responded to their debt collection emails for years requesting information to be mailed out to me regarding different repayment options. Since XXXX, navient has sent emails to postpone or granting forbearances, requesting that I call them to review repayment options instead of just mailing out the information regarding different repayment options as I requested. In which it would give me time to decide which option would work best for me. So after a minimum of 10 years of postponing or granting forbearances, and having my request basically be ignored for information to be mailed out, I finally called navient and I was given a quote of a monthly payment quote in which was outrageous to say the least. I finally was advised to submit an application through their website to initiate the process. ( although I have asked for these steps throughout the years. ) I was advised by the customer service rep, that while my application was being processed, my loans will be in a forbearance period until XX/XX/XXXX. After my students loans were consolidated again and my interest rate went from a 2 % fixed rate to now 4 % rate, I received my IDR payment plan letter dated on XXXX. Stating that my plan starts on XXXX. A week later I received a bill, stating to avoid late fees I would have to pay XXXX by XX/XX/XXXX and my XX/XX/XXXX bill is XXXX. Keep in mind I was advised along with receiving a email stating I am in forbearance until XXXX. This has been a complete nightmare dealing with Navient.
Company Response: Closed with explanation

Timely Response

2019-07-01

Eastlake, OH

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

2019-07-01

Torrington, CT

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

2019-07-01

Center Moreland, PA

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2019-07-01

Lk Buena Vis, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I continue to have issues with how payments are handled. I voiced my corncerns with how rude the reps are are a spoke with a supervisor today bythe name of XXXX. They expect you to know what they are talking about when you dont work at the company. I have made several lymph fum payments on my loans due to the fact that I have not consolidating them. On the website it states Congress sets interest rates however if I go into auto pay with them or will lower my interest rate. The information they provide is misleading I have made several lump sum payments I only once this year applied for forbearance today would have been my second time after speak iui mg with XXXX who was supposed to be a supervisor I voice my concerns with her as well once i said i would put in a complaint is when her tone changed. When I make my payments it states to postpone payment implaying due to over payment that anything due will not show as past due ... so in paying of my loans my amount due each much rises though I am in no payment plan you would think the more I pay off the lower my monthly payment would be however the opposite applies. Also when making over payments with the option I select it automatically places you I forbearance when it doesn't explicitly state that ad an option. I am not happy with the loan servicers. They have stolen my money over the years they have been my servicer enough is enough I am getting a lawyer involved. I have had enough.
Company Response: Closed with explanation

Timely Response

2019-07-01

PA

Incorrect information on your report

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

Account information incorrect
Complaint: Navient student loan was supposed to remove missed payment in good faith within new agreement. My wife has chronic illness from XXXX XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. Thank you
Company Response: Closed with explanation

Timely Response

2019-07-01

PA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I signed up for an Income-Driven Repayment Program in XXXX, 2017. I was able to keep those payments current until I was forced to take a XXXX XXXX from my job. When I contacted Navient to report that I would be unable to make my payments, I discovered that my payments actually increased ( which I was never told ) and they gave me no other options that could help my situation. I have repeatedly reported to Navient that I have XXXX XXXX XXXX XXXX XXXX and am struggling physically, emotionally and financially. Meanwhile, they continue to harass me. I was just given an ultimatum that I needed to pay {$6300.00} by this past Friday or I would be facing legal consequences. All the while I keep repeating to them that I just don't have the funds. Please help.
Company Response: Closed with explanation

Timely Response

2019-07-01

Bremen, GA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I have filed 3 complaints with General Revenue Corporation and XXXX XXXX has illigally denied my access to copies of any contracts, bills, statements or records that show that I owe any balance to Indiana XXXX or General Revenue. The only documents that XXXX XXXX from General Revenue Corporation are collection bills for the amount of {$450.00} and a collection balance {$90.00} totaling {$540.00} I believe your company has violated several of my consumer rights. Specifically, I have requested General Revenue Corporation upload copies of all documents already sent and any response to this notice through the Consumer Financial Protection Bureau Portal with the response- If you have the documentation needed legally and have already sent it in XX/XX/2019 to verify that this debt is owed to Indiana XXXX and that you have the rights to collect on behalf of Indiana XXXX . ( FDCPA ) 15 USC 1692f 809 ( A ) ( 4 ) ( B ) I hereby demand that you produce for my inspection, an original contract that establishes the existence of a debt to which I am obligated to you or your principal. General Revenue Corporation is trying to collect interest, fees, or other charges on top of the charges they accuse, is illegal according to the Fair Debt Collection Practices Act ( FDCPA ) 15- USC 1692f 808 ( 1 ) Unfair Practices- Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest, and penalties Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive proof requested above by mail and by uploaded response to the Consumer Financial Protection Bureau XXXXomplaint Web Portal, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-01

Tampa, FL

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-07-01

Durham, NC

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: I have student loan debt with Navient Student Loans. This month will be the first time I couldn't afford to make a payment due to my rent increasing plus other unforeseen financial problems ( having to pay the IRS first time too ). So yesterday, XX/XX/XXXX, I went on my student loan website to apply for a deferment and forbearance and I was declined due to " not qualifying. '' I called the company today ( XX/XX/XXXX ) and the representative told me the same thing ... '' You don't qualify. '' I informed her that I need a temporary postponement until XX/XX/XXXX. She told me that my account will fall into " delinquency. '' I told her that is the very thing I'm trying to avoid happen because I have spent the last 2 1/2 years cleaning up my credit so I can buy a house and that I don't want student loans hitting my credit! Not only that, Navient is not the only student loan company that I'm paying this month. I have another company that I pay per month too, but won't be able to due to money issues this month. I personally believe that this company is a thief! They charge me a late fee of {$6.00} even though my payment is always made the month before the amount is due! Also, they charge me a {$31.00} " unpaid fees '' charge every month too. Then to add insult to injury, the one time I can't pay Navient can't help me even though they claim they are here to " Help. ''
Company Response: Closed with explanation

Timely Response

2019-07-01

Everett, WA

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: I was a student at XXXX XXXX on Financial Aid. I had limited funds left, however, I was told I had enough for one more term with them, so I enrolled. When the loans got disbursed, it showed that I actually owed money instead of receiving money, so I immediately called and emailed my enrollment coach. They looked into, and I even got in touch with the Financial Aid office in XXXX, who stated she was confused because it showed I had money available. I immediately withdrew to avoid any further charges, and then I started getting collection notices from XXXX last XX/XX/XXXX. I wrote them back via email 3 times and with letters, 3 times as well stating the issue that I was not responsible for the amount they were charging me. The last email I sent was dated, XX/XX/XXXX. I didn't receive anything for awhile, so I thought they took care of it, and then last month it showed up on my credit. I disputed saying it was fraud, but the results came back saying it was verified and accurate. I don't agree with this as it wasn't my fault. The school gave me misleading information about funding I had available. They are responsible, and I want this removed from my credit. The account is in collection by a company called General Revenue Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX x XXXX for the amount of {$390.00}, which is incorrect, the amount from XXXX is {$380.00}.
Company Response: Closed with explanation

Timely Response

2019-06-30

Scottsdale, AZ

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: In XX/XX/2019 I received an alert from the credit bureaus that a collection was placed on my credit by a company called General Revenue Corp, XXXX XXXX XXXX XXXX, Ohio XXXX ,XXXX for a XXXX balance at a school called University of XXXX . I contacted the University on XX/XX/XXXX and they informed me that it was indeed an error and that they have instructed the company General revenue to delete it with all three credit agencies. It has not been removed despite disputing it myself with all three agencies, XXXX, XXXX and XXXX it is repeatedly verified. I have contacted General Revenue who continues to inform me, both On XX/XX/XXXX and XX/XX/XXXX that they will be deleting it but it remains verified. I spoke to them again today XX/XX/XXXX and it is Sunday so they told me to call back again tomorrow. I have proof in writing from University of XXXX that they have requested removal dated XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-30

Magnolia, TX

Incorrect information on your report

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

Account information incorrect
Complaint: In XXXX I spoke to a lady from navient and she mailed me documents for income driven repayment plan so I got approved and I called navient the operator and it is telling me I do not have a payment due at this time I needed this due to financial hardships. I look at my credit report and it says needs attention why??? I do not owe a payment to navient and if I did I wouldnt let it go into default or become a late payment I needed help and I got approved for a income driven repayment but now its affecting my score and its incorrect
Company Response: Closed with explanation

Timely Response

2019-06-30

El Sobrante, CA

Communication tactics

Debt collection: Federal student loan debt

Frequent or repeated calls
Complaint: I have been working to resolve this repayment plan and options only to reduce my current monthly payments from {$260.00} to {$57.00} which I was informed that I was approved for the {$57.00} repayment plan. I submitted the requested documents via of electronic submission and downloading and attaching the proof of income of which my income has decreased. I continue to receive calls from Navient day and night beginning at XXXX until XXXX. These calls are all throughout the day and evening. It is very disappointing that when you speak with a representative to resolve the matter, and you are told we are here to assist and how can you get the best repayment plan, you are only offered false hope and additional fees. I will seek additional information on how to join the class action lawsuit against Navient, I have not even graduated and they continue to threatening me, I am beginning to believe that Navient is a fraud due to their ill-intent actions in claiming that I was approved for a repayment plan of {$57.00} and losing my income. Please help resolve this issue and provide assistance in getting this debt discharged. Thank you. XXXX
Company Response: Closed with explanation

Timely Response

2019-06-30

Quartzsite, AZ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have two loans. One with Navient and one with Navient DOE ( Dept. of Education ). In XX/XX/2019 Navient DOE moved their payment address to XXXX, Oregon, from XXXX, GA. Since that time both Navient DOE and Navient ( XXXX XXXX, PA. ) have said they are not receiving my payments. I have sent check after check, ( to ensure payments are made and technically overpaying ) and still they are not recording my payments. I am getting 5 robo calls/day, and calls from various phone numbers claiming to be Navient/Navient DOE. I believe they are getting the checks, holding them and charging late fees. I have called repeatedly to clear this up, sent in documentation and have even had my bank call them. I am now photographing each check before I mail them. I owe more now than I did when I took out the loans and I am paying over XXXX/month! I have repeatedly asked them to send photocopies of my checks for verification but they refuse. By the way, Navient and Navient DOE are using the same account number ( XXXX )
Company Response: Closed with explanation

Timely Response

2019-06-30

WI

Incorrect information on your report

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

Account status incorrect
Complaint: I have many complaints about how I was mislead by XXXX and how naive I was when I attended college over a decade ago. Between Sallie Mae, XXXX, and Navient I somehow ended up with XXXX in debt for an XXXX XXXX in XXXX XXXX which I can't even use because no one will hire me with an online degree. I am currently in the process of the borrowers defense review however, Navient has refused to allow me to consolidate my loans and has reported over 20 loans which I am confused about why there was ever more than one lender. I haven't been able to do anything in life get a home or car, nothing. Its been XXXX, I've even recently had to start claiming exempt on my W2 just to bring home enough money to eat. I've never been able to catch up on medical bills or anything else and have always worked full time. I've XXXX my XXXX and had XXXX from simply working too much. Right now the Dept of education has deferred my loans until 2022 or something while they review and yet, Navient hasn't stopped negatively reporting to credit agencies and I can't get even a credit card. All of my debt is from going to college and having kids. I wasn't irresponsible and I didn't max out credit cards. I'm so tired of struggling. Please help, I've been waiting a year for my borrowers defense decision.
Company Response: Closed with explanation

Timely Response