Navient Solutions, LLC.

2019-06-10

Denver, CO

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

2019-06-10

Dallas, TX

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

2019-06-10

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I called Navient numerous times regarding Public Service Loan Forgiveness but was told my loans didn't qualify. Now 13 years later I find out from my Union I could have turned my loans into Direct Loans and then I would have qualified for Public Service Loan Forgiveness. Had I known I would have turned them into Direct Loans and had them forgiven after 10 years.Now I will be going into retirement with student loan debt.
Company Response: Closed with explanation

Timely Response

2019-06-10

Hillsdale, 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: While investigating if I was eligible for a loan discharge on a Navient private loan, I noticed the school listed as my college was not a school I attended. I requested a copy of the promissory note and once received, it was obvious the loan is fraudulent. The signature for myself and my co-applicant are blatantly forged. Basic, easily verifiable information was wrong, and overall the document wasn't even filled out in its entirety. No copy of ID, no record of an ID for the co-signer was even recorded. I alerted Navient right away, and supplied all requested documentation in a timely way. This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the loan was applied for, social security card, signed lease from 6 months after the identity theft, and a statement regarding the loan. The first issue was the amount of time taken to investigate, then they requested the same document which was already provided multiple times. They continue to harass both myself and my co-signer. They found " no identity theft '' even though the paperwork very clearly confirms my claim. At this point, the credit reporting agencies have removed the loan from my reports but Navient continues to add interest to the account and call incessantly.
Company Response: Closed with explanation

Timely Response

2019-06-10

Beyersville, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have repeatedly requested that Navient provide me with an application for the income based repayment plan. Annually they play a game of neglecting to contact me in any way about the need to reapply. They fail to provide the application to do so. They move me to a standard repayment plan, the monthly payments of which are approximately 1/8 of my annual income. When I call they force me to agree to forbearance under duress, and finally agree to send an application, which they without fail have neglected to do. Then they put me in default for not paying on the loan despite making every reasonable effort to keep my account current. The only barrier to my student loans being current is Navient and its potentially criminal and fraudulent business practices. My last complaint to the cfpb went fully unanswered by Navient. I got some obscure and bizarre letter from the cfpb about the delay in the response but waited and waited and waited for a response from Navient prior to moving forward. Im once again in default because Navient has failed to make an application available to me. I spoke to them again today requesting that an application be sent to me and I requested specifically that due to their previous malicious neglect, that they provide more specific information about when and how it would be sent and that tracking information be provided. I was transferred to a supervisor that refused to listen to anything I said and just obstinately refused to participate in the conversation. He additionally refused to transfer me to his supervisor because he didnt want me to yell at her. I will not ever again be speaking calmly to these people, and yelling is the only thing that will happen when I speak to them. This is directly the result of their refusal as a company to provide the most basic of loan servicing services required of them because Navient prefers its borrowers to be in default. I am done with the games. Please provide any information you can on how to pursue legal action and to have my loans either forgiven or transferred to a different servicer. Navient is deliberately and maliciously damaging my credit and I will not ever again be involved with any interaction between myself and them that is not a part of court records. This is unacceptable on the parts of Navient, the cfpb, and the federal government. Get it together or eat the $ XXXX and growing debt i have. My credit has already been destroyed. I will gladly swap to an off the grid, cash only existence for the remainder of my life and let you spend thousands of dollars attempting to collect a debt that Ive been begging to take care of for years now.
Company Response: Closed with explanation

Timely Response

2019-06-10

AR

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive notice of right to dispute
Complaint: My name is XXXX XXXX, I enrolled in XXXX University online in XXXX I borrowed {$7500.00} to continue my education. After the first semester I withdrew from the course and decided it would be cheaper to take classes on campus. I only used {$5000.00} of the {$7500.00}. The original lender was XXXX. I paid approximate {$3800.00} to this lender the debt was sold to Sallie Mae around XXXX where I paid approximately {$1600.00}. Sallie Mae then turned the debt over to NAVIENT where I paid over {$4000.00} dollars to this debt. I have repeatedly tried to contact XXXX, Sallie Mae and NAVIENT concerning my payments. The payments were auto drafted from my bank account. Over the course of several years i tried contacting these companies. I never received a reply from any e-mails and nor was any of my phone calls returned. In XXXX I was able to contact some one from XXXX concerning my account and was told that they would have look in the archive for my account since the debt was sold to Sallie Mae. I was told that it would take a couple days but someone would contact me. I was requesting a statement from XXXX as to the amount of the original loan and the balance when it was sold. I was never contacted concerning this matter nor was able to contact anyone else from XXXX, Sallie Mae never replied to any of my requests neither did NAVIENT. In XXXX of XXXX I received an e-mail stating that my account was paid in full. I estimate that I paid {$9400.00} on a {$5000.00} debt. To pay the debt off quicker, I increased payments to {$150.00} each month which was automatically withdrawn from my account to pay it off early, My payment was changed to {$57.00} each month by the lender. It took me over 11 years to pay this off.
Company Response: Closed with explanation

Timely Response

2019-06-10

Oak Grove, MO

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I requested for an income-driven repayment plan, filled out all the information, sent the information through fax ( which showed it went through ), now loan company is denying it went through ; delaying my request by such.
Company Response: Closed with explanation

Timely Response

2019-06-10

AZ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: In the last 10 years I had to file Chapter XXXX which caused the Student Loan to be in deferment for 5 years until the process finished. I did not understand that interest fees would still accrue. The loan amount was ( originally ) about {$40000.00}. Now, for the last year all monthly payments only go to interest rate fees. The Navient Student loan amount is now over {$80000.00} with no workable process or way for me to pay back the loan.
Company Response: Closed with explanation

Timely Response

2019-06-10

CA

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: General Revenue Corporation has a loan of mine that has expired by the State of California Statute of Limitations ( let 's say in the amount of {$1000.00} ). They have recently filed a derogatory mark on my credit in the amount of {$83.00}, which is much less than the amount of the expired loan. When I contacted them regarding the loan, they couldn't give me any information about where this {$83.00} amount came from, but stated the amount of the loan was the amount of the expired loan ( {$1000.00}, in this example ). They won't let me pay off the {$83.00} for the derogatory mark to go away, and instead want the {$1000.00} which has expired. I'm concerned if I pay {$83.00}, this will count as a payment towards the {$1000.00}, which could reset the statute of limitations on that loan. I would like to 1 ) Know why I owe the {$83.00} ( willing to pay that off, if it comes to it ) 2 ) Ensure that I'm not resetting the statute of limitations on my {$1000.00} ( ish ) loan.
Company Response: Closed with explanation

Timely Response

2019-06-10

Lake Victor, TX

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

2019-06-10

Manchester, CT

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: To whom it may concern Navient is still calling my Job, to Harass me and trying to get me fired from my Job, Today XX/XX/2019 from a Ms. XXXX called and stated she will continue to call me on my Job and she doesn't care if I get fired form my Job, I deserve it for not paying my student loan and who care if you have Health Problems. I have pics from the caller I.D . from a Toll Free Number of XXXX @ XXXX Today is XX/XX/2019. I am Sick and Tired of Navient Harassing Me. Please make them stop .... To whom it may concern Navient is lying, regarding calling my job, I've asked many time for Navient, to add on the file, Do Not Call my Job, which is causing a problem for me with my Employer. as of Today XX/XX/2019 I received called today, and this past week. I have saved several pics from the caller ID, showing Navient, regarding the DO Not Call My Job, Please Stop Them Thanks To whom it may concern, I would like to make a complaint against Navient. I've had an on going problem with Navient for several years with harassment and continued threatening phone calls at work, home and on my cell phone, I asked Navient not to call me a work, on several occasions. I am getting a least 25 phone calls per week from Navient, which I have recorded or saved, as of XX/XX/2019 I received calls form Navient at my job, too many times, calls from a XXXX, XXXX several others, from these numbers of XXXX, also from this number of XXXX. My job records all incoming calls and Navient is trying to get me fired from my job. I ask Navient several times to stop calling me on my job, Navient response is always the same, there's no note on your file, saying Do Not Call Job. I also given Navient the address and contact information of both Mr. XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX- phone number XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, phone number XXXX whom both are Employed and can pay their student loans. Navient has destroyed my Credit, I had a credit score of almost 800, before Navient intentionally forced a default on this loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX- File # XXXX and XXXX XXXX XXXX -File # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, if I end up losing my Job because of Navient, I have many on going Health issues, and the Harassment from Navient is causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Revised as of today XX/XX/2019.
Company Response: Closed with explanation

Timely Response

2019-06-10

Oxford, GA

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/XXXX pioneer credit recovery sent me a wage garnishment notice on behalf of the department of education. I sent a request letter on XX/XX/XXXX requesting an oral hearing. I never received a date or response to present myself in person at a location before a hearing officer. On XX/XX/XXXX I received another letter stating I needed supporting evidence with no time given to gather my supporting evidence with one loan discharge application and needed help filling it out. I requested the lenders information on XX/XX/XXXX and never received the information and that i had requested an extension to gather my supporting documents and i was never granted the requested or received a response. Now on XX/XX/XXXX they took upon themselves to make a final decision without granting me a fair hearing. the company garnished XXXX XXXX of my wages. I am forced by this company into hardship facing an eviction and utility bills disconnections and no transportation or food.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-10

Washington, DC

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Complaint: Receiving calls stating that a warrant is issued for my arrest.
Company Response: Closed with explanation

Timely Response

2019-06-09

Hollywood, FL

Getting a loan

Student loan: Private student loan

Fraudulent loan
Company Response: Closed with explanation

Timely Response

2019-06-09

Oro Valley, AZ

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

2019-06-09

South Chatham, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Company Response: Closed with explanation

Timely Response

2019-06-09

Pryse, KY

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Navient will not allow deferment or forbearance on a private loan even though the federal loans are recognizing XXXX XXXX is a fraudulent school and billing has stopped. Im still required to pay on my private loans despite them acknowledging that fact
Company Response: Closed with explanation

Timely Response

2019-06-09

MS

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I recently applied to " remove '' a cosigner from my private student loan. On XX/XX/2019, I received a " denial '' to do so. The reason that I was given was : On two ( 2 ) occasions, you were late paying your monthly payment. I candidly responded, " I do remember, but my reasons were : # 1. My purse was stolen and my debit card was in the purse. I immediately reported the " theft ''. It took 3-5 business days for me to get my " new '' card. In the meantime, when Navient went in for payment, it was " rejected ''. I was not aware until I received a phone call. # 2. One of my check books was stolen from my office drawer by a custodian. He admitted to writing ( 2 ) checks before I discovered the check book was missing. I immediately closed my checking account, and had to wait before opening up a new one because I had outstanding checks.. I guess in between this time, the payment was rejected also. If you check my payment history, I have NEVER missed a payment and have been consistent with paying. My credit score is over 700, that should count for something. I have been paying this loan for years and I am seeking FULL responsibility and now I am being rejected and penalized for ( 2 ) late payments that was not my fault and I am seeking some relief. I am in good standing. Why am I being rejected? Please consider this letter of complaint and honor my co-signer release. I am not being difficult, I just feel rejected for something that was beyond my control. Thank you.
Company Response: Closed with explanation

Timely Response

2019-06-08

Palmyra, MI

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

2019-06-08

Lowell, AR

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: SALLI MAE NOW NAVIENT WAS DELETED FROM ALL CREDIT BUREAUS LONG TIME AGO. RECENTLY THEY RE-INSERTED THIS DISCHARGED LOAN WHICH SOL EXPIRED AND HTEY FAILED TO GO TO THE MEETING OF THE CREDORS IN XX/XX/2018 BK XXXX. LASTLY ARE AWARE THAT THIS DEBT WILL CAUSE FINANCIAL HARDSHIP, DUE TO THAT FACT MY HUSBAND IS XXXX AND I BEING XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-06-08

Grover Beach, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: My consolidated subsidized student loans started at {$13000.00} in XXXX and has grown to {$28000.00} current balance owed. I have been charged capitalized interest during deferments, forbearance and IBR. I receive a statement with {$250.00} owed each month but with a {$0.00} amount due and interest is accrued on this amount. Capitalized interest is added every month. Some months it's over {$1000.00} and some months it's only {$50.00}. Navient will not explain how the repayment works and will not explain why I get a bill for {$250.00} every month with {$0.00} amount due. I have contacted Navient several times through out the life of my loans but I never relieve any resolution. In XXXX I I owed about {$19000.00} which I disagreed with but had offered a {$15000.00} payment to close my account in good standing. Navient refused to accept this amount. Also, Navient has sold my private information to several third party " debt relief '' companies that contact me 4-5 times every day. These companies have the exact amount I owe, payment activity, social security number, birth date, etc. They say I qualify for forgiveness but only have 5 day to respond. One company actually tricked me int o allowing them to login to my account. I thought I was verifying information, but they actually used that information to get a new password and almost had me signing an agreement with them. These companies pressure me every time I answer the call and they use voip numbers that are untraceable. Navient will not allow me to opt out of third party advertisements.
Company Response: Closed with explanation

Timely Response

2019-06-08

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened or suggested your credit would be damaged
Complaint: To Whom It May Concern : ALL XXXX AND Navient Accounts are too old for reporting to the credit bureau 's and for collections, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before XXXX acquired them from Navient, and before Navient acquired them, when they were with previous owning companies. Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. Thank You for Your Time, XXXX XXXX XXXX XX/XX/1980 XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX , Texas XXXX
Company Response: Closed with explanation

Timely Response

2019-06-07

Elmwood Park, IL

Confusing or misleading advertising or marketing

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

Complaint: I had been claiming both Economic and Education Forbearance during my time with Navient. As of XX/XX/2018 I paid a settlement with them for my education and the continue to keep a delinquent status on my credit bureaus, even after I had provided both documents with a notarized bank settlement and school records for when I was in school claiming my forbearance. They have multiple times have denied me access to find a representative to explain to me who to speak with, and in XXXX I found out they had an Advocacy center to handle the problem, in which I provided the documentation to them. My credit bureaus have sent me emails that stated that they have disputed the negative items and they are just not working with the. I as a consumer have not been treated fairly and I need action.
Company Response: Closed with explanation

Timely Response

2019-06-07

Colo Spgs, CO

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Repeated robocalls left on my voice mail on XX/XX/XXXX & XX/XX/XXXX & XXXX & XXXX. There has been no contact at any time by any creditor concerning any debt owed. There has been no contact with the debt collection company other than the repeated robocalls. The robocalls do not identify the debt, the debtor or the creditor. The following is the repeated robocall message left on my voice mail which I consider harassment. " This is an important message from Pioneer Credit Recovery. The law requires that we notify you that this is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Call us back today at XXXX. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-07

Houston, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I have concerns of Navient. I see a lawsuit against Navient and I question my loan amount often. Seems as if I had numerous florescence 's done on my account. I can recall 2 maybe 3, however, seems as if some were initiated without my consent. My amount seems to have been the same for the past 13 years. I have been paying it down, however, would like to know if this company is legitimately honest ( since reading about lawsuit ).
Company Response: Closed with explanation

Timely Response