Navient Solutions, LLC.

2019-06-03

Lawrence, NJ

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-06-03

Bixby, OK

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-06-03

Wallington, NJ

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-06-03

Manhattan, NY

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

2019-06-03

Falmouth Foreside, ME

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

2019-06-03

WY

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Complaint: I am currently being garnished and it has caused me to lose my home and I have XXXX children XX/XX/12 I pay child support currently also. I make XXXX/hr and where I live the cheapest home is XXXX for a home that is suitable for me and my children! I have contacted the federal student loan company along with the collector it was sold to they have given me no real options other than to pay yet more pmts on top of the garnishment which I can not do! They are taking more than 15 percent out of my managers bonus every pay period they are taking 25 percent and I believe they are also taking 25 percent out of gross pay not disposable pay I have contacted my employer she stated she was doing this correctly but when I follow the paperwork I have found online its incorrect I have emails back and forth saved from the student loan company also!
Company Response: Closed with explanation

Timely Response

2019-06-03

Mccullers, NC

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

2019-06-03

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-06-03

Juniper Hills, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XX/XX/XXXX enrolled based upon misleading/false information about job placement and ability to find employment after graduation. Then upon loans being due I called Navient for help with repayment options at which I was steared numerous times to deferr and forebare my loans ; even after asking about repayment plan options. I have had extreme financial hardship since graduating in XXXX never making enough to get off of welfare let alone repay my loans.
Company Response: Closed with explanation

Timely Response

2019-06-03

South Florida, FL

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: I was a XXXX XXXX seeking student at XXXX XXXX University a few years back but abruptly was prevented from taking another course due to " not signing a letter that I accepted the private loan via Sallie Mae ''. When I signed up for the course I went online to to officially aquire student loans to attend XXXX school. Then I received a letter from XXXX stating that I can not take any more courses until I pay {$2000.00} in cash and then I can reapply but when I tried contacting the bursar office they claimed that I should have received a letter in the mail that needed my signature to approve the loan. Well at the time, I was living at my parents home helping pay their mortgage because the home was under forclosure. My parents ended up losing their home but I still never received a letter from the XXXX Bursar stating that I needed a signature for the loan. Now I am seeing a creditor asking for {$3400.00} which another XXXX dollars added on to the original amount owed. Can you say price gouging? There is an epidemic of teachers and former college students that went through the very same situation. Can you say scam?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-02

FL

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: Accepted the original loan with Salliemae on XX/XX/XXXX while attending the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL. I was told that I would be able to refinance the loan for a lower interest rate at any time, however the Salliemae and the current owner of the loan, Navient has never allowed me to do so. In XX/XX/XXXX I offered to settle the loan with {$20000.00} that I was able to save while on XXXX in the XXXX but was told that they do not settle for less than the full amount. Since then I have still been affiliated with the XXXX as a XXXX while working as an XXXX XXXX up until XX/XX/XXXX before I XXXX again, while still working on my XXXX which I just completed on XX/XX/XXXX. In early XX/XX/XXXX although I was working, I really struggled to make my monthly payments. I was threatened with my loan being reported as defaulted and losing my vehicle and being sued. I have never resisted repaying the loan due to negligence, I simply just cant pay an amount that I do not have. Only after 3 months of phone calls, did they finally offer me a reasonable repayment plan but only temporarily and after months of damaging credit which has hindered my ability to refinance with anyone else because of the delinquent history. Even while under the interest rate reduction program with automatic payments from my checking account, I have encountered issues with them not withdrawing the money. Specifically, in one instance after hurricane Irma and Maria, I called to inquire as to why they did not debit my account for the agreed monthly payment? I was told that the payment was waived because of a natural disaster declaration, but the next month when I called because I noticed the date had passed from when they would have charged my account, nothing was pulled. This time when I called, I was told that I had violated the terms of the program and had to pay a provide information to be accepted into another program which required a higher monthly payment. As a current XXXX, I am trying to find better employment to be able to meet my obligations, but currently I can not support what they are asking monthly for {$56000.00} loan gown 4 times the original amount with a 15.375 % interest rate. The school that I obtained the loan counseling through doesn't even exist anymore so there is no one available to challenge about the information they explained to me and now there is a different institution listed as the school where the original loan was acquired. I very seriously doubt that they have any interest in making things simpler for me, really just want to make more money on a smaller loan principle 15 years old. Any information that would help to just obtain reasonable terms at the least would be greatly appreciated. I understand that there are very little regulations on private loan servicers but I am a 13-year veteran still XXXX in the XXXX XXXX, with a family of XXXX that I have to support. I have every reason to comply and pay my debt, just difficulty doing it with varying terms.
Company Response: Closed with explanation

Timely Response

2019-06-02

Colfax, IN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Once I started to repay my student loans I contacted to discuss options for loan repayment. I was told I qualified for a public service loan forgiveness so I was paying an amount based on my income. I am a XXXX XXXX working for a XXXX XXXX and XXXX. They said that I qualified and had to fill out a paper. I took all the steps I had to to get approved. I even paid {$600.00} to consolidate. Each year I renewed this. For 3-4 years I was making substantially less than my minimum because I was told that after X amount of payments the rest would be forgiven. each year I would speak with someone and re new this public service loan forgiveness plan but I was told something different pretty much every time and know one at Navient could tell me why I was told X. I kept getting the run around but assured that this was the best repayment plan for me. Well I dont qualify for forgiveness plan So here I am 6 years from graduation date and start of my repayment and could be a lot further ahead on my loans than I am all because of false information I was given by the company that handles a large amount of money for me!!! I am basically starting now paying what I shouldve been for the past 6 years! I could be more than half way done but instead Im basically starting fresh and have had 6 more years of interest accrued.
Company Response: Closed with explanation

Timely Response

2019-06-02

AL

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was paid
Complaint: This debt was paid in full. Please remove it from all of my credit reports.
Company Response: Closed with explanation

Timely Response

2019-06-02

Boston, MA

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Complaint: Multiple phone calls that are pre-recorded advising me to call their number back immediately. Phone calls start early and throughout the weekend day continue with no rhyme or reason. Calling the number back advises their offices are closed and to call a second number, which I will not. The calls just keep coming, over and over. It is quite obvious they are circumventing laws by demanding a call back but instead, route you to a different number than was calling.
Company Response: Closed with explanation

Timely Response

2019-06-02

Cheverly, MD

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I have been on a reduced payment plan since almost the beginning in XX/XX/2009. Every year the loans go up but I am not able to afford it. I can barely afford the {$900.00} payment now and it is ending. Navient has not been able to offer any kinds of assistance with lowering the payment or extending the years of repayment. When asked to fill out a monthly expense type report, I am coming in the negative because of my credit card debt I've gone into to pay for my loans and for daycare for my daughter.
Company Response: Closed with explanation

Timely Response

2019-06-02

OH

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Complaint: Navient placed 3 late payments on my credit reports. My loans were in deferment during this time which I explained to Navient. They responded by saying that they were not in deferment, but could not furnish me any reason or proof as to why they were not in deferment during that time. I returned to school the month that they started reporting my payments as late. I wrote them a good will letter and also stated that this must have been a mis-understanding and that it should be corrected.
Company Response: Closed with explanation

Timely Response

2019-06-02

Green Bay, WI

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: The school no longer exists due to fraud. Navient states the Board of Education is investigating the school. It has been over three years. No results. Navient does not recognize my forty years as a XXXX since I did not work for a public entity. My service in XXXX as a medical service specialist is not considered in this matter. I qualify for forgiveness in regards to my service to our country and community. I am unable to get a VA loan for housing due to the fact my credit has been disrupted by this company. I am now XXXX years old who reached no resolve with this monetary institution. At present, I am in forbearance owing a {$170000.00}. I am fighting XXXX XXXX and XXXX at this time. I would like to know my purpose here was worthwhile by serving our country and community. I appreciate your indulgence.
Company Response: Closed with explanation

Timely Response

2019-06-01

San Diego, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Im currently with Navient as my loan servicing company and I have tried MULTIPLE times to work with Navient with no success and no relief in the end. Navient received my loans from Sallie Mae after the switch and I have continuously tried to work with them since XXXX the year of graduation. My original loan was for XXXX from XX/XX/XXXX with a 6 % interest rate. I have have ASKED on several occasions can I get a lower payment with Navient and time and time again I was told " I do not qualify based on my income '' and to just do a forbearance. Then I proceed to ask for the income based repayment based on the fact that I work fro the Department of Veterans Affairs Healthcare ( worked from XXXX & then from XXXX to present ) and have continuously. Again I was denied because of income and even denied based on the location at which I work. Which I thought the VA was a facility that was granted forgiveness because of income and population. Overtime, I have incurred several forbearances and now the loan has trippled in what is owed due to the forbearance and the interest rate. NAVIENT does not work with working mothers trying to stay above water on maintaining a good credit to be able to provide for her children. In addition, when you tell NAVIENT you can't afford what the payments are going to be there wonderful customer service says " how about a forbearance until while we check for applications for the IBR-income based repayment ''. Soon after you will get the denial and back to square one ... SO FRUSTRATING AND DEFINITELY SOMETHING THAT STRESSES PEOPLE TO THE NEXT LEVEL.
Company Response: Closed with explanation

Timely Response

2019-06-01

Euclid, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Navient, 2 consolidated loans ( previous Sallie Mae ) -one grouping from Unsubsidized and one from Subsidized Federal loans including HEAL, Staffords and SLS. Two issues : First : After last payment made on my behalf by the XXXX XXXX XXXX XXXX inXX/XX/XXXX I received information stating I did not have any payments due until XX/XX/XXXX Not because I asked for a deferment or a forbearance. I did not understand interest was going to be accruing all the while, nor did they say I could CONTINUE to make the payments I had been making for years already. I was misled and not informed by Navient. Second : When I started to repay inXX/XX/XXXX up until currently, ALL of my payments have been applied to that interest that accrued from XX/XX/XXXX! So even now, all I pay is interest, for 2 consolidated loans through Navient ( former Servicer Sallie Mae ). I have paid my student loan payments EVERY MONTH. Never late. Never in default. Yet, I have paid over {$24000.00} since XX/XX/XXXX for 2 consolidated loans ALL OF WHICH HAS ONLY BEEN APPLIED TO INTEREST!!!! Now, this seems like a scam if ever I heard of one. I never asked to be on an interest only repayment plan, nor did I request a Forbearance or Deferment. There is nothing on Navient website that states I am in anything other than a standard level repayment plan, and prior to that payments I was making were going to both interest AND principle. I am contacting both the Department of Education as well as the Consumer Financial Protection Bureau because Navient willfully misled me, did not provide accurate information warning me about what they were doing, and refuse to assist me in any way. Furthermore, the intentional subterfuge being employed by Navient in making this information readily available ( ie a discount for " auto-pay '' so there is no need to LOOK at a monthly statement and statements that do not provide detail as to HOW payments are being applied ), a website that does not provide any type of information regarding amortization over the lifetime of the loan, and nothing in my " Loan Details '' that would tell me I was simply paying interest for the past 3 years strikes me as criminal. It is quite by accident that I even came upon this fact on my own while looking for ways to lower my interest rate. Please contact me immediately. Navient should be ashamed of taking advantage of busy professionals who have remained productive in the public sector while striving to stay current with their financial responsibilities.
Company Response: Closed with explanation

Timely Response

2019-05-31

Orlando, FL

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

2019-05-31

Detroit, MI

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-05-31

City Industry, CA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-05-31

NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: They want XXXX monthly payments. I can afford XXXX a month, they won't accept that.
Company Response: Closed with explanation

Timely Response

2019-05-31

Neotsu, OR

Threatened to contact someone or share information improperly

Debt collection: Federal student loan debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2019-05-31

East Rockaway, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I had federal loans for my XXXX degree ( XXXX University ) from XXXX, then my XXXX degree ( XXXX XXXX University ) from XXXX. I have been working for a XXXX company since XXXX, BUT Navient told me that Did Not not count for Loan Forgiveness. I had been paying income based payments to Navient since XXXX. I also Did Not Know that you could Refinance your student loan. I just transferred my loan to a private lender in XXXX for a lower interest payment.
Company Response: Closed with explanation

Timely Response