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 65
2019-06-17
Wausau, WI
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-06-17
Lithia Spgs, GA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-06-17
Bloomington, MN
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
Company Response: Closed with explanation
2019-06-17
Philadelphia, PA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: In fall XX/XX/XXXX I received a call from Pioneer Credit Recovery, XXXX and was told they were trying to collect a debt that I owed. The woman asked for the last 4 digits of my SSN. She refused to tell me anything about the specific amount of the debt or who the creditor was unless I provided that information. I refused to do so. As there was a stalemate, we hung up. I have never received any notice in my mail of any debt owed, nor am I aware of anything owed. Pioneer soon began calling multiple times, up to 3 times a day 5 days a week, but I would not take the calls. On XX/XX/XXXX I filed a complaint with the FTC, and the calls immediately stopped. But on XX/XX/XXXX Pioneer resumed calling me, again up to 3 times a day 5 days a week. This time I blocked the calls, but my phone does record auto-rejected calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-17
Birmingham, AL
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2019-06-17
Albuquerque, NM
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-06-17
Rockwell, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I applied for unemployment loan deferment XX/XX/2018 when I lost my lost job last year. I received and signed the acceptance of the deferment and Navient has refused to honor this.
Company Response: Closed with explanation
2019-06-17
Lexington, NC
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: I have received multiple calls regarding loan forgiveness programs that are available with the settlement of the Navient lawsuit. From my understanding this seems to be a scam. I'm not sure how I need to handle this but I am getting multiple, harassing phone calls. They ask for very specific information and try to charge a fee for their " services. ''
Company Response: Closed with explanation
2019-06-17
Bremen, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I had no idea how Student Loans work. I took them out though because I needed the money for college, and my college told me it would be the only way I would be able to afford to go. That is on me. I attended the University of XXXX XXXX and graduated in XX/XX/2016.
Fast forward to when I was graduated. About 5 months after I graduated, I started receiving calls about setting up arrangements to pay back my loans. I was still searching for a permanent job, but was doing odd jobs here and there to make some money. I explained this situation to them and they were very understanding. I offered to make a reduced rate knowing what I could afford.
This is when things started going south for me. They mentioned a program where I could pay {$0.00} until I got to the point where I could afford the proper amount ( approximately 1 % of the my total loan amount a month ) / I offered to at least begin making small payments but was told that it would do nothing but lower my credit score as they would have to report it as incomplete payments. I was pressured in to the {$0.00} payment plan.
I told them I would need some time to think about it. They responded with my need to act quickly as this was a short time offer that they do not regularly give out and I could lose it. I was rushed documents to fill out as they told me what to put down. I then entered in to this agreement where I paid {$0.00} for about 18 months until I finally had enough cash flow to provide the full amount a month.
Having done research and having abetter understanding of how student loans work and money work, I feel that I was taken advantage of and could have at the very least, covered the payments of the interest to prevent an even higher amount being owed now.
When I did bring it up to them, they just apologized for how I was treated and stated that all they could do is ensure better customer service moving forward.
Company Response: Closed with explanation
2019-06-17
UT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: Navient has been servicing my loans for the past several years. Due to the unfair capitalization of interest that had already been credited from processed payments, I refinanced my loan through another servicer. The loan balance was paid in full on XX/XX/XXXX. I received the usual email from Navient on XX/XX/XXXX which indicated that another payment would be taken from my account on XX/XX/XXXX. I signed into my account to see what they were showing due, and the balance was {$0.00}. XX/XX/XXXX a draft came through my bank account from Navient, even though the principal balance is XXXX.
Company Response: Closed with explanation
2019-06-17
Nappanee, IN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: After paying my loans for almost a decade, on time according to the agreement in place with the creditor Navient, decided to sell my loans to two other creditors. I have gotten letters from XXXX XXXX XXXX and another creditor XXXX XXXX XXXX XXXX XXXX, all while still getting letters from Navient as well. I know by law I am not required to pay on loans seeking compensation for the same account. And because Navient has changed the loan terms so many times and mis-managed the money I have sent to them over the years I refuse to allow them to further destroy my abilities to apply for credit. It has been increasingIy difficult to track down the different ways to manage the accounts associated with this company. I know through Indiana law that I have done my due diligence in paying off these student loans. Navient can no longer prove they own the rights to collect on any of the loans in question. I have written numerous letters to their department of Education and private loan dpt. and was successful in getting all the accounts associated with Navient removed from both my XXXX credit report and my XXXX credit file since XX/XX/2019. However, now that it is the month of XXXX Navient has placed some accounts back on my credit file with the credit bureau XXXX. I am respectfully demanding that all accounts with Navient be removed from all three of the major reporting credit bureaus : XXXX, XXXX, and XXXX immediately. I have solicited the help of lawyers and I'm prepared to sue Navient for every last cent they claim I owe if these accounts are not removed immediately.
Company Response: Closed with explanation
2019-06-16
FL
Struggling to repay your loan
Student loan: Private student loan
Can't temporarily delay making payments
Complaint: Navient calls me day and night, almost every 15 minutes. They not only harass me but my father as well who co-signed the loan. I am currently enrolled in XXXX school full-time, and my loans were in deferment. I have 2 years left of education before I even begin to make a salary of any kind. I have blocked their phone calls, but they call from a new number every time.
Company Response: Closed with explanation
2019-06-16
Federal Way, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I am so frustrated at the lack of care and responsibility taken to fix a problem that happened because Navient wasnt doing their job correctly and clearly violated my instruction and legal language on how to apply my payments.
On XX/XX/XXXX I made an overpayment of {$2200.00}. This was my first overpayment ever on this loan. After looking at my account on XX/XX/XXXX I saw that Navient advanced my payment, even though I directed the payment not to in their Direct Overpayment section and while having my account preference set as the following in quote.
" Overpayment Directions Allocation Direction : Lowest Current Balance Billing Direction : Bill me for my full monthly payment For your loans in Auto Pay, your Auto Pay payment will always be for the full Monthly Payment Amount, and will continue to be deducted monthly.
Can we note the ALWAYS in this quoted section on my account.
At this point I called their customer service and a rep said I " directed overpayment appropriately and correctly when making the overpayment on XX/XX/XXXX. I asked " then why did you advanced my account? '' She said I dont know.
I mentioned at that time there is no " XX/XX/XXXX, which is the normal payment due date, date listed as pending or processing on my summary in my account. I said this because I have on my account to bill me for my full month, as mentioned above. And as of XX/XX/XXXX Im technically late on my payment and will start incurring fees. She said she was going to make a manual payment of {$300.00} and honor that it was made on time, XX/XX/XXXX because of Navients error. She made this payment when I called on XX/XX/XXXX.
On XX/XX/XXXX I looked at my account and Navient charged me TWO charges of {$300.00}! One on XX/XX/XXXX and one on XX/XX/XXXX. Overdrafting my checking account to - {$110.00}. I called Navient customer service immediately after seeing this.
XXXX said that I had to submit photos of my bank account showing that Navient charged me twice to the upload inbox in my account. I did so immediately. She said she would expedite the request because they overdrafted my account. Today, XX/XX/XXXX, I see that Navient removed the XX/XX/XXXX charge and left the XX/XX/XXXX charge in the summary on my account. However I still have NOT received the improperly pulled Second charge of {$300.00} back into my bank checking account.
The second issue also happened today XX/XX/XXXX. This morning I got an email saying my a snapshot of your monthly statement payment on XX/XX/XXXX will be {$210.00}. My normal fixed payment is {$300.00}. Logged in my account today, XX/XX/XXXX, says I will be paying {$300.00} on XX/XX/XXXX, which is my normal payment.
My payment should not be anything more or less than {$300.00} because that is my normal payment that is agreed upon when submitted my IDR. My concern is that when I made an overpayment and Navients customer service advanced my payment, which my instructions said explicitly not to do and their customer service rep said that I correctly directed the overpayment on [ my ] end., on top of them making a manual payment of the {$300.00} and allowing another charge of {$300.00} to pull out, has now messed with my normal payment.
Their lack of care and urgency in fixing an issue that was clearly explicitly disregarding written rule on my account with the following instruction : " Overpayment Directions Allocation Direction : Lowest Current Balance Billing Direction : Bill me for my full monthly payment For your loans in Auto Pay, your Auto Pay payment will always be for the full Monthly Payment Amount, and will continue to be deducted monthly.
Is unauthorizable, criminal, and unjust. And I demand answers.
Company Response: Closed with explanation
2019-06-16
Seattle, WA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Navient is my student loan servicer.
Here is what happened : On XX/XX/XXXX I set an " overpayment '' of {$500.00} to my direct, unsubsidized loan.
On XX/XX/XXXX I set an " overpayment '' of {$500.00} to my direct, unsubsidized loan.
I am currently on monthly " autopay '' and noticed that the {$1000.00} did not go toward an overpayment toward my load on those two days, but instead went toward the MONTHLY payments.
As a result, {$1000.00} went toward MONTHLY payments, for several months in advance. This way Navient used all of my {$1000.00} overpayment for INTEREST, or company profit, rather than the PRINCIPAL of the loan I'm trying to pay off.
Pasted below in this message is my payment information since XX/XX/XXXX, showing that the two overpayments of {$500.00} resulted in NAVIENT NOT charging monthly autopayments after my two overpayments of {$500.00}. Please keep the pasted payment information so that other graduates can see exactly what this looks like, for themselves.
Desired solution : If possible, I would like to re-allocate the excess {$1000.00} to the PRINCIPAL of my loan, so that it does not touch Navient/Interest. I've contacted Navient by email about this issue as well.
Research about this Navient loan servicing problem : I've found that my exact scenario is one of the reasons that CFPB sued Navient in XX/XX/XXXX: The second quote, from " XXXX '' describes my scenario.
XXXX XXXX XXXX " Borrowers aiming to get ahead on their loans by making extra payments may also have been burned. The suit alleges Navient often processes such payments incorrectly, resulting in late fees, interest charges and negative reports being sent to credit reporting agencies. " " For federal student loans, regulations stipulate any extra payment goes first to outstanding fees ( like late fees ), then to interest accrued since your last payment, and then to the principal of the loan, said XXXX XXXX, director of consumer outreach and compliance for XXXX XXXX XXXX, a nonprofit focused on higher education financing. Sometimes private loan servicers will apply any over-payment to your next months payment instead of the principal, XXXX said. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Due Date Amount Status Auto Pay Show more information 1-03 Direct Loan - Unsubsidized XX/XX/XXXX {$0.00} Scheduled Total Current Balance : {$10000.00} View all Loan Details Please note : This is an attempt to collect a debt and any information obtained will be used for that purpose.
Recent Payments Date Amount Status Coming From Show more information XX/XX/XXXX {$110.00} Auto Pay Bank Acct XXXX Show more information XX/XX/XXXX {$110.00} Received Payment was received -- Show more information XX/XX/XXXX {$22.00} Received Payment was received -- Show more information XX/XX/XXXX {$500.00} Received Payment was received -- Show more information XX/XX/XXXX {$500.00} Received Payment was received --
Company Response: Closed with explanation
2019-06-16
Philatelic Center, CA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: For more than a year, I have been making regular monthly payments on time but suddenly my monthly payment jumped to almost {$1000.00} which I am unable to afford as a father of XXXX. I have communicated with the borrower that I will like to maintain the regular payments that I was making before but they won't allow. Effort to reduce the monthly payment has been unsuccesful as both the application and submission process has been confusing. Now I am in forbearance, I want to keep the payment that I was making before. I need help. I am a father of XXXX, I can not afford $ XXXX monthly.
Company Response: Closed with explanation
2019-06-15
East Barre, VT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-06-15
Edgewood, FL
Struggling to repay your loan
Student loan: Private student loan
Can't temporarily delay making payments
Company Response: Closed with explanation
2019-06-15
NJ
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: I presently have four student loan accounts with Navient. All four of these accounts were originally opened with Sallie Mae under the title of 'Smart Option Student Loan '. Thereafter, the accounts were assigned to Navient without notice. All four of these accounts are now incorrectly reporting missed or late payments in XX/XX/XXXX and XX/XX/XXXX ( totaling 8 missed/late payments reported ) despite my diligent efforts to have Navient correct these errors. On two occasions through XXXX and on one occasion directly with Navient by mail, I have asked Navient to correct these reporting errors that are clearly contrary to the terms of our Promissory Note.
Pursuant to the Promissory Notes of these loans ( see attached ), repayment of these loans was to commence after the 'Interim Period ' described in the Note in Section B ( 1 ) ( a ) as " ... approximately six months after the date the student borrower graduates. '' Additionally, according to Section D ( Terms of Repayment ), Navient was required to send me a statement setting forth the repayment schedule on or before the date of repayment. ( See Section D ( 4 ) ). To date, no such repayment schedule has been received electronically or by mail.
Further, I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX, New Jersey in XXXX of XXXX. Accordingly, as the 'School Period ' of the 'Interim Period ' had ended at that time, the 'Separation Period ' had thereafter begun. ( See Section B ( 1 ) ). The Separation Period should have lasted until XX/XX/XXXX under the terms of the Promissory Note described above. However, contrary to this agreement, without notice, Navient began attempting to collect on full monthly payments in XXXX of XXXX. When I discovered that Navient reported late payments to the Credit Bureaus in XX/XX/XXXX of that year, I immediately took action on my account and began repayment while also attempting to dispute the subject of this present Complaint directly with Navient.
To date, Navient has been unwilling to correct the clerical error that led to my account coming due before the agreed upon period and that ultimately led to the missed payments. Navient 's failure to correct this error is also a violation of Section R of our Promissory Note ( Correction of Clerical Errors ). In closing, Navient has acted in bad faith at every stage of repayment and the language of our agreement clearly shows that the 8 missed or late payments reflected on my Credit Reports should be removed immediately.
Company Response: Closed with explanation
2019-06-14
Nyc, NY
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: I verbal confirmed a a loan payment with Navient on XX/XX/19 for XX/XX/19. After that I received multiple auto-dialed calls everyday multiple times a day eventhough there were notes on my account specific to a scheduled payment for XX/XX/19. In addition I received multiple auto-dialed calls where I picked up and there was no response from the lender representative but just a hang up. On my XX/XX/19 call I asked Navient to remove me from any auto-dialed calls and put in a complaint for the calls I received where there was no response and a hang up on their end. As promised I made a payment on XX/XX/19 at XXXX XXXX EST. I received another auto-dialed call on XX/XX/19 at XXXX requesting a payment which was already made. The Navient representatives because of auto-dialer are totally disregarding any previous notes, complaints, or payments that are posted and recorded on my account. This latest representative call again through a auto-dialer without reviewing his notes and told me when he looked that he could see my payment and had no answer as to why he was calling ... he then tried to rush me off after I asked why his company continues to call after I requested to be removed from auto-dialed calls and placed a previous complaint. In addition my consigner whom now lives on the west coast in XXXX XXXX continues to get cell phone calls during EST time, where they receive a XXXX XXXX EST call at XXXX XXXX PST their local time, which I believe is illegal - especially using auto-dialed. Can someone please assist here? This is blatant harassment and I need someone to step in and find or penalize Navient for their ongoing harassment when trying to collect on my student loan.
Company Response: Closed with explanation
2019-06-14
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-06-14
Orlando, FL
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-06-14
Auburn, 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
2019-06-14
Daniels, MD
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-06-14
FL
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: XX/XX/XXXX-
• Student loans were sold from one loan servicer to multiple- this is where my confusion started
• All together I had 14 public student loans.
o 10 student loans were sold to one servicer- Navient
o 4 of the other loans were lost- Navient was not the servicer
XX/XX/XXXX-XX/XX/XXXX
• I was paying on the Navient loans
• I was not paying on them consistently because of financial stability
• My mother was helping pay on the other 4 loans- also not paying consistent because of financial stability
XX/XX/XXXX-XX/XX/XXXX(XX/XX/XXXX)
• Financial stability sustained and paying consistently on Navient student loans
• My mom communicated with the company that was servicing the other 4 loans to reach out to me in order to get payment plan set up with those loans
• I never received any phone calls from this company—I have proof that the company did not have the correct contact phone number on file
• During this time I also had a baby so that my mind was not tracking to follow up with the company with the other 4 loans outstanding
XX/XX/XXXX(XX/XX/XXXX) – Present
• In XX/XX/XXXXI received notification from employer that my wagers were to be garnished starting immediately
• There was no notification via phone or email that this was going to occur
• However, I did receive a letter from Pioneer Credit Recovery Agencyo The issue with this that I had no clue the letter from this company was important because I had never worked with that Agency in the past and I thought it was junk mail
o The letter is very generic- no warning on the outside of the letter
• I did receive letters from the Department of Education communicating the balance of my loans
o However I thought those letters were statements of my current loans with Navient- Navient being the servicer paying back the Department of Education for my loans
• Once I got notification from my employer that my wages were to be garnished starting immediately I contacted Pioneer (because it was on the notification email)
• Pioneer did not have the accurate phone number on record (therefore they never called me)
• Pioneer did not provide me any time to dispute the garnishment or to come up with other payment options
• Currently they are garnishing my wages by 14% per pay period which results in XXXX dollars a month
• Pioneer tells me that I have payment plan options… but only on top of the garnishments
• Pioneer tells me that there is no way I can get my Student Loans out of default status because they are non applicable for rehab
• Because my Student loans are in default I cannot consolidate, because my Loans are in default they care applicable for Rehab
• Therefore I cannot stop wage garnishment
Overall, I do not believe that Pioneer provided me with adequate notification of wage garnishment. They should have called or emailed me and spoken to me in real time. Also I believe that they should have sent a pre- warning to my employer for the wage garnishment, so that they could have warned me as well. Pioneer is not providing options to help me get the wage garnishments to stop other than paying on top of the garnishments. Currently I do not have the financial capabilities to do this, honestly, the garnishments are causing significant financial stress on me and my child.
Company Response: Closed with explanation
2019-06-14
WI
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I set up an automatic payment schedule with Navient in XXXX they never adjusted my due date resulting in 7 months of late fees with interest that accrued daily. I had requested to listen to the phone call when I set up the payments and they refused, I had managers state I was current and I was not.
The company steered me towards multiple forbearances and misapplied my payments resulting in hundreds of dollars in late fees from daily late fees.
the representatives stated automatic payments were different than recurring payments both automatically withdraw from checking accounts, very confusing terms I believe intended to trick consumers.
I have already paid back over {$34000.00} in federal loans and I am not trying to hide from my responsibility to pay back my loans, they mislead me multiple times costing me over {$2000.00} in unjustified fees.
I only owe them {$12000.00} and they keep giving me false information resulting in my loan staying the same. I
Company Response: Closed with explanation