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 61
2019-06-25
FL
Took or threatened to take negative or legal action
Debt collection: Federal student loan debt
Threatened or suggested your credit would be damaged
Complaint: I would like to join any lawsuits against XXXX University, XXXX XXXX, Navient and XXXX XXXX. I am a XXXX XXXX student that is being harrassed to pay Navient {$36000.00} for a useless degree.
Company Response: Closed with explanation
2019-06-25
Columbia, SC
Getting a loan
Student loan: Private student loan
Fraudulent loan
Complaint: XXXX XXXX XXXX financial aid offices would routinely call students to inform them that their student loans had run out and pressure them to take on more debt. The bill for a two-year XXXX XXXX could run as much as {$90000.00} and leave students with little to show for it. I was told when joining the school that I had enough loans to sustain me but after I attended school under a year, I was told I needed to take out a private loan to stay in school. This was fraudulent on behalf of Navient and the school and after much research, I've discovered I am not the only one affected. At the time, the loan service was named Sallie Mae but Navient has brought their loans so I am paying them back. I am currently in the queue with the Borrowers Defense Program for my Department of Education Loans because many of XXXX XXXX XXXX campuses have been closed due to its fraudulent and misleading tactics. I feel Navient/Sallie Mae is equally responsible because they were fully aware of the school 's tactics and helped convinced me the loan was needed. I was only XXXX years old.
Loan Amount I was told I needed : {$14000.00} Disbursement Date : XX/XX/XXXX Current Balance as of XX/XX/XXXX : {$12000.00}
Company Response: Closed with explanation
2019-06-25
Jacksonville, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I was trying to consolidate my student loans into a single loan. However, due to an issue with the paperwork from my school to the XXXX XXXX XXXX, only my XXXX XXXX loan showed me as graduated while my other 8 XXXX unsubsidized loans took an additional 2-3 weeks to show me as graduated. In the interim, I had applied for consolidation through the department of education website. Shortly after, I received a notice from Navient stating that 8 of my loans could not be consolidated due to the " in school '' status. However, instead of stopping there, Navient " consolidated '' my XXXX XXXX loan by itself, which did not actually combine any loans together but did raise the interest rate on this loan by 0.025 %. When I called them, they said that the notice sent to me states that I could have chosen to not consolidate the single loan and that since I did not opt-out within a few days of receiving the notice, they would not undo my loan/return the interest rate to its original amount for when I eventually consolidate all of my loans together. However, their notice is not as clear about this as they claim. When they said I have the options to remove loans from my consolidation, I think it is natural to assume they meant I could remove the loans that were unable to be consolidated due to " in school '' status. Also, I think it is predatory to " consolidate '' a single loan ( which simply raises the interest rate ), and that I would have to opt-out rather than opt-in to this action that only worsens my interest rate without any benefit.
Company Response: Closed with explanation
2019-06-25
Euclid, OH
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Complaint: openedXX/XX/2011, amount owned {$4800.00}
Company Response: Closed with explanation
2019-06-25
Cherry Brook, MA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-06-25
WV
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: On XX/XX/2019 I submitted all the correct forms and documents for my Income Driven Payment Plan including my tax return and pay subs which were all up to date and printed clearly. At XXXX this morning, I received a statement that the documents were not properly sent, the information was illegible and that I would have to file again. But when I called today at around XXXX XXXX, a service representative said that this time I could just write down my gross income on a blank piece of paper, in my own handwriting, send that in and it would be accepted ... They're going to take my word and a signature on a piece of paper to officially verify my information as an official document for my payment plan. When I asked if I could send it in the mail officially, the service representative seemed hesitant to let me do that. They are purposely prolonging the period so that I will have to pay the full amount. They are almost completely impossible to get a hold of. Whenever I send in documents like my name change and official documentation for that, they either claim that they didn't receive it, or it was ineligible. They have still not updated my name change, even though I have submitted that in early XXXX.
I am tired of submitting the same documents, which are faxed clearly and are marked as received from my fax machine, only for them to say that they are processing my return two weeks later, and then replying that my loans have been denied for the same information two weeks after that.
Company Response: Closed with explanation
2019-06-25
Portland, OR
Attempts to collect debt not owed
Debt collection: Private student loan debt
Debt is not yours
Complaint: I graduated in 2018 from a XXXX College. XXXX XXXX College/XXXX.
*I got NO support for Cirtification Testing or my studies durung their program!!
*I have a cirtified XXXX XXXX.
*I told the school UP FRONT during their enrollment interview that I needed XXXX XXXX XXXX accomidations!!
*The school promissed to give me XXXX accomidation help.
*They failed to help get me accommodations.
They did not have any!!
*Navient is the private loan holder.
The original loan was for {$1000.00} XXXX College did not inform me of student aid at first, and signed me up for a private loan!!
This private debt has been assigned to various collection agencies.
**I gave the last agency a lump sum of {$400.00}!!
Plus ... small instalments.None of which went toward principle of the {$1000.00}.
Navient has the debt up to {$4000.00} NOW!!
I have XXXX XXXX am on food stamps and live in Public Housing, and Do Not Work In The XXXX Program I Attended The As XXXX XXXX!!
* I Also OWE {$20000.00} + In Federal Student Loans To a Servicer. From This Fraudulent Co.
*I Am A Responsible Person!!
This School is So Fraudulent, They Were Closed For Making False Promises!!
*I Have Firmly Asked Navient and Thier Collection Goons For Hardship.
NOTHING!!
The Interest Continues To Rise!!
I Want RID of This Debt!!
PLEASE HELP!!
Ps. My claim is too OLD to be forgiven through the class action law suit towards XXXX Colleges.
Pss.
I have seen 2 lawyers.No help Pss.
Their is borrowers defense. I have Not Got Any Help For This Private Debt or Federal!!
Company Response: Closed with explanation
2019-06-24
ID
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I thought ALL of my student loans had been consolidated but one had not. I contacted Navient and was informed that the loan was in default and had been sent to collections through XXXX XXXX XXXX. I called and tried for weeks to get someone that could help me take care of the debt. After NUMEROUS calls and leaving my phone #, I was finally able to speak to a representative. She informed me of my options, one being paying {$9100.00} to payoff the debt, and I told her I would get back to her within the next 2 weeks. I have tried now for over 3 weeks to contact XXXX, I have left a contact # everytime to receive a call back, and STILL have not received a response or call back. Not even a missed attempt!!! I would like to get this paid off at the {$9000.00} I was originally quoted but no seems to be able or willing to help. INFURIATING!!
Company Response: Closed with explanation
2019-06-24
Del Rey Oaks, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-06-24
Threatened to contact someone or share information improperly
Debt collection: Federal student loan debt
Talked to a third-party about your debt
Complaint: Pioneer Credit Recovery ( XXXX ) XXXX XXXX XXXX XXXX NY XXXX, has repeatedly contacted my landlord and my landlords daughter about my debt and has left messages on their phones as recent as XXXX, and has provided my account information about my debt to them. This is in violation of federal debt collection practices. This company is based in New York and the person leaving these messages is identified as XXXX XXXX ( if this is a real person? ). My next step is to file a complaint with the New York Attorney General 's Office.
I dispute the amount of debt they are trying to recover and sharing my personal financial information with people other than myself is ridiculous, aggressive and a violation of federal law.
Company Response: Closed with explanation
2019-06-24
Renton, WA
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
2019-06-24
Montevallo, AL
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
2019-06-24
Lewisville, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: It's not really a complaint. Just a request for explanation.
This is regarding accurate reporting of a federal student loan.
Navient is the servicer and the guarantor is XXXX XXXX XXXX.
XXXX : Navient Guarantor : XXXX XXXX Open Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Close Date ( paid in full via consolidation ) : XX/XX/XXXX Last Payment made ( by me ) : XX/XX/XXXX I've made zero payments in the past 7 years but Navient reported my account as current for months where I was in forbearance. There are several periods where I wasn't in forbearance and Navient reflects those as delinquencies. So my 7 year credit history is a combination of forbearance months reported as " current '' and non-forbearance months reported as delinquencies.
My argument is that regardless of the fact that Navient REPORTED my account as current some months, I haven't made a payment in over 7 years. After the last payment I made in XX/XX/XXXX, I never came back current. I believe the purge date of this account should be based on the actual date I went delinquent and was never current again. Should the forbearance periods be included in the calculation to determine when this account should be aged from my report? Or should it be based on the last time I actually made a payment ( if Navient or myself provides this evidence to the agencies )?
Company Response: Closed with explanation
2019-06-24
NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Hello I made a payment on Friday XX/XX/2019. I spoke with XXXX XXXX. I asked her if I was going to be reported late to all three credit agency 's and she advised no if a payment was made that day. I can not afford the student loans payments all! it is causing a hardship for me and my XXXX. I'm trying to get into affordable housing and this false reporting is hurting my credit and needs to be corrected ASAP.
Company Response: Closed with explanation
2019-06-24
San Antonio, TX
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Complaint: I asked for in school deferment as I had two XXXX online courses - the one with XXXX was the only one I requested to be considered. Navient was slow in sending the forms after they agreed to send them in XXXX - the course ran from XX/XX/XXXX to XX/XX/XXXX. In XXXX they finally sent the forms which I promptly filled out and sent back to them. They have never responded about the disposition of my request, instead they continue to demand payment even as I have sent them a payment - {$50.00} XX/XX/XXXX - and am send another today, as I have agreed to do since XXXX.
Now Navient is threatening Litigation with their legal network partner ( unnamed ). XXXX XXXX - VP of XXXX XXXX XXXX appears to not recognize that I have agreed to continue making payments. This has become so typical of Navient 's total disregard for my responses, requests, and remittances.
Furthermore, over the years there has been a complete unwillingness to provide year to date total of payments made. Their unwillingness to be transparent makes coming to any settlement, which they offered at a 90 % payback on approx. {$3600.00} is not possible for me at this time and is greatly beyond what most creditors would conisder a " mutually discomfortable '' arrangement. Attached below is a recent Navient notice XXXX XXXX, here 's a friendly reminder that your Monthly Payment is due soon.
This is not a bill.
Your Monthly Payment ( s ) for the private loan ( s ) listed below is due on XX/XX/XXXX: XXXX XXXX in the amount of {$390.00}.
Please note that this email does not include all information depicted on your statement. We highly encourage you to review the entire document by logging in to your account, as it has additional pertinent information related to your loans.
You can view and print your monthly billing statement ( s ) by accessing your inbox.
Ways you can pay Online : The fastest way to make a payment is by visiting Navient.com. With our mobile site, it's easy to pay on your smartphone, too.
By phone : Call us at XXXX.
If you are enrolled in Auto Pay the amount shown on your statement will be debited from your designated bank account.
We're here to help Visit us online or give us a call at XXXX, Monday - Thursday XXXX XXXX to XXXX XXXX, and Friday XXXX XXXX to XXXX XXXX, ET.
1The payment amount ( s ) listed above reflects the amount due as of the date of this email. Please log in to your account at Navient.com to view your minimum payment due.
Please do not respond to this automated message. Emails sent to this address are not monitored.
Privacy | Terms of Use 2018 Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC . Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America.
XXXX XXXX
Company Response: Closed with explanation
2019-06-24
WI
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: I am a co-signer on a student loan for my ex-wife. Navient is the student loan processing company. When my ex-wife exceeds the payment due date ( always paid within the same month as required submittal ), Navient starts robocalling my home phone. I can get up to 5 or 6 calls a day on my home phone until payment has been processed. I've heard horror stories about Navient. Not only do they harass the XXXX out of account holders ; when payment is received, it can take up to 10 days for them to process and post. During this time, they will continue to robocall. I've requested in the past to deal with me via USPS and quit calling. My next step is to pursue this matter legally.
Company Response: Closed with explanation
2019-06-24
Hamburg, MN
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I have been in repayment for my student loans with Navient ( formerly Sallie Mae ) since XXXX. I was told by a XXXX XXXX representative many years ago that after 25 years my loans would be forgiven. After I was told this, I wanted to verify it with Navient and the representative there lied and told me my loans would never be forgiven. Recently I received correspondence from Navient stating that after 25 years of " qualifying payments '' my loans would be forgiven. I sent an email requesting to know when my loans would be forgiven since I am nearing the 25 year mark and I was told it wouldn't be until the year XXXX. I am wondering why Navient did not disclose to me what the requirements are for " qualifying payments '' so that my loans could be forgiven after 25 years. My balance is now over {$300000.00} after years of interest growing at over 7 % and now they want to continue charging me interest until XXXX. Navient should have let me know what I need to do to meet the requirements of making " qualifying monthly payments '' so my loan could be forgiven after 25 years. I feel they have really taken advantage of me and are trying to make as much money off of charging me interest that they can.
Company Response: Closed with explanation
2019-06-24
Philadelphia, PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Navient has given misinformation about my loan, they send several emails a day all with misinformation. Navient calls and emails me several times a day although I have provided proof I am enrolled full time in school until XX/XX/2020 XX/XX/2020
Company Response: Closed with explanation
2019-06-23
Lb, CA
Getting a loan
Student loan: Private student loan
Confusing or misleading advertising
Complaint: I attended the XXXX XXXX of California XXXX XXXX located in XXXX XXXX California after being recruited from a XXXX XXXX campus. The sales person had no idea of my skills but found that I wanted to study XXXX and she quickly recruited me to go in for an interview at the campus. When I went to the interview I was told that I had what it took to join and be successful in the field of XXXX XXXX and that it would be beneficial for me to study there. Before I knew it I was enrolled and the beginning of my student loans had started. The cost for the school was supposed to be XXXX but at graduation it was over XXXX to this day it still remains over $ XXXX. Every quarter there were more and more loans asked for and halfway through the program I knew that there was something wrong and I was just one of many that this school had preyed on. At this point I went to a guidance counselor and she told me that if I don't continue and dropped out that my family would see me as unsuccessful and that everything in this world revolved an accredited XXXX degree. I was unhappy because the XXXX XXXX program that I signed up for was taken away and now the class of XXXX were being used to work solely on XXXX. A lot of us were not happy with that because they lied to us and switched the curriculum and now our final demo reels had to be in XXXX. Something that I was not into. In the beginning I was told that I would get job placement and will be working with XXXX XXXX. They used a lot of sales tactics to keep me in the school and when I complained about a 3d class that I had to pass and the teacher wouldn't allow me to pass I was given a " P '' simply because I said I would complain to the board. The teacher was eventually fired for allowing students to pass if they beat him in Halo on the last day of class. His name was XXXX XXXX XXXX. The school was full of untrained teachers. XXXX XXXX was teaching us a class in Shake which she was just learning along with us. I was recruited into a school that didn't care about the students it felt like and only cared about recruitment. It was a for profit school and you can tell that it was based on recruitments because students there the majority didn't have an artistic talent. The school has closed along with many other Art Institutes throughout the country and they have been sued for using predatory sales practices on students that signed up for their programs during the time that I attended. Going to that school was the worst mistake of my life. It has put me in a position where I have been paying for student loans for the past 13 years for a school that has since closed it's doors and is not accredited in anyway. Once I was out I tried to enroll in a different college only to find out that the classes I took there were not considered university or college credits, I would have to take the classes over. The school has been sued and has to forgive student loans due to their malpractice predatory sales tactics which I was a victim of. It's not fair that they did this, preyed on individuals and now closed their doors. I have struggled for years to make payments to those loans and for what, a XXXX Degree that no longer sits on my wall because it isn't worth the paper its printed on. Due to the student loans that I acquired in order to stay in school I have been in financial ruin as I have to pay every month. The loan amount now is higher than it was 13 years ago. It seems that every 6 months I have to file a forbearance or a hardship in order to keep Sallie Mae now Navient at bay. They never explained anything in full detail but always wanted me to sign new loans in order to stay enrolled. I had to resort to have my father help co-sign as well as a neighbor. They did that as favors for my future but there was no future from the teachings I received. They lied and they should be held responsible for their actions. The lawsuit forgives students like me and it's been a long time coming for me to finally take the action against these loans. I have gotten my Federal loans forgiven already due to my complaint. The United States Department of Education Borrower Defense to Loan Repayment at XXXXXXXXXXXX.XXXX referred me to your site in order to get my Private Loans forgiven as well. My form number there is OMB NO:XXXX. They have been extremely helpful and I hope that your organization will also. Any questions that you may have I am more than willing to answer.
Company Response: Closed with explanation
2019-06-23
TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: My student loans were consolidated on XXXX of XXXX so that I could get on an Income Based Repayment plan so that I could have my loans forgiven under Public Service Loan Forgiveness. I began making payments to Navient from XX/XX/XXXX through XXXX of XXXX. My credit report does not show that I made payments to Navient from XX/XX/XXXX to XX/XX/XXXX. That is 34 payments that are missing from my grand total to receive debt forgiveness after 120 total payments have been made. That is also {$9200.00} that is not credited to my bill plus interest I may have accrued. I have my bank statements showing that I made all of these payments.
Also, when I call XXXX XXXX ( my current servicer ) they are saying that I was on the wrong payment plan during this same time period XXXX XXXX XX/XX/XXXX. So if I do get credited for these payments they are not in the right plan in order to receive Public Service Loan Forgiveness. XXXX XXXX is the company that serviced my loan in XX/XX/XXXX and put me on an IBR plan. When they sent my consolidated loan to Navient they should have had Navient put me on an IBR plan. It did finally get changed to an IBR plan at the end of XXXX.
XXXX needs to show a credit to my account of {$9200.00} plus interest.
XXXX currently only shows that I have 11 payments towards my 120 payments needed when I have made 102 payments.
I have never missed one single payment. Please help me. Thank you for your time.
Company Response: Closed with explanation
2019-06-23
Meriden, CT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2019-06-23
Jersey City, NJ
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-06-23
Atlanta, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Navient ( and Sallie Mae prior to transition/re-brand to Navient ) have overcharged me approximately {$35000.00} since XXXX. Navient has been debiting an extra payment of {$220.00} every month that was not applied to my loans.
This came to my attention when I paid off my loans in XXXX of XXXX, yet Navient continued to debit {$220.00} from my account AFTER said loans were paid and closed. I did not catch this sooner because my loans go back to the early XXXX, pre-Internet. I had payment coupon books to send paper checks by postal service. I spent time in forbearance with accruing interest. Loan balances went up because of accumulating interest, payment amounts were increasing and in flux.
Then in XXXX there was a Sallie Mae consolidation into two loans. At that point things stabilized but all that registered with me after all the changes was that 1 ) I have 2 loans 2 ) Navient/Sallie Mae are taking 2 payments each month. From there I just tuned out on autopay because I knew that I would be paying this for another 15 years.
Fast forward to XX/XX/XXXX and I pay off my loans in full. No more debits should hit my account from Navientbut still Navient continues to take money from my account. This of course is a major red flag and finally I see that they had been taking the extra {$220.00} per month all these years.
Where did that money go? It was not going to my loan, as you will see from attached documents I notified Navient of this around XX/XX/XXXX ( over a month ago ). Navient rep did acknowledge verbally they could see the {$220.00} on recent internal statements ( which is odd because when I log into my Navient account online there is no record of the monthly {$220.00} definitely it was NEVER being applied to my loan ). I have the bank statements and ACH confirmations/debit IDs from XXXX XXXX XXXX showing the extra debits from Sallie Mae prior to XXXX ( or so ) and from Navient since.
After a month, no one at Navient will give me answers or give me a timeline to get my money back. They do not communicate and do not deliver on promised call backs. I have to call them and each time I do I get ambiguous information and nothing more than " it is being researched ''.
{$35000.00}!
I have attached the following : Excel files : Navient by Transaction this is the complete record of payment history on my 2 loans. Two loans serviced per month that were combined into a single payment/debit or {$160.00} monthly. This was the legit payment being applied to my loan from the point of Sallie Mae consolidation, XX/XX/XXXX to XX/XX/XXXX.
PDFs : Navient 1098-E Shows interest on my loans reported to IRS by Navient for calendar year XXXX. This will tie back to Navient by Transaction worksheet and confirm that I had no other loans on with Navient and that the payment of {$160.00} was the only legitimate payment owed.
JPEG Images : Sallie Mae Consolidation Autopay This is a letter from Sallie Mae informing me of rate discount for autopay. It shows the date of consolidation when Sallie Mae became loan servicer and when debits began XX/XX/XXXX.
Navient Paid in Full w highlight This is a screenshot of my current Navient account status. It shows paid in full with the last three transactions on the account for my loans : {$1600.00} payoff amount plus last two monthly debits of {$160.00}. PAID IN FULL as of XX/XX/XXXX.
Most Recent Transactions This is a screenshot from my bank account of all Navient transactions ( debits ) available to view online. This will show you that the {$220.00} was also being taken from me every month and it will show that the {$220.00} continued to be debited AFTER I made the final payoff amount. I contacted my bank to block any future debits from Navient Please let me know if you have any questions or I can provide anything else to motivate them to return my money.
Thanks.
Company Response: Closed with explanation
2019-06-23
Keyport, WA
Improper use of your report
Student loan: Federal student loan servicing
Report provided to employer without your written authorization
Company Response: Closed with explanation
2019-06-22
Reno, TX
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