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 74
2019-05-23
PA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: Hello, I learned earlier this week that Navient had not transferred over one of my federally-owned loans last XXXX to XXXX as required under the Public Service Loan Forgiveness program.
This has the potential to have a major economic impact on my loans.
I spoke with XXXX XXXX today. He told me they would look into with an expected inquiry completion date of XX/XX/2019. I informed XXXX that under the CFPB definition of a complaint, this should be logged as a complaint.
XXXX had tried to initially tell me that I was not yet eliglble for loan forgiveness. Luckily, I know what I am talking about. So I informed him that under the PSLF regulations, Navient is required to transfer all my loans to XXXX.
The Student Loan Servicing industry is a mess.
My name is XXXX XXXX XXXX, XXXX.
You may publish this with my personal details redacted.
Best, XXXX
Company Response: Closed with explanation
2019-05-23
Birmingham, AL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Company Response: Closed with explanation
2019-05-23
Weston, CT
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Keep getting calls about your loan
Complaint: I can not find contact information on Navient 's website. One page leads to another, leads to another and no fax or email information.
I can XXXX a phone number but why can't things be done online nowadays!
Company Response: Closed with explanation
2019-05-23
OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: In 2016 received notice that my loans were going to go into repayment, & that I needed to re-apply for a payment plan. I called up Navient to re-apply over the phone as usual because for some reason I could never seem to get into my account online. When the customer service person got on the phone, I told them that I needed to complete my re-application. After getting some information from me & accessing my account, I was told that the only option suitable for me was forbearance because basic deferment was no longer an option. Not knowing there were better programs available, I figured I would apply for the forbearance. However, a few minutes later the representative told me that I was unable to complete my re-application over the phone & that I had to do it online. I told them that I had already completed my re-application for my U.S. Department of Education loans online, & asked if it was the same site I had to go to complete the application process for these loans. I was then told that since I had already submitted an application for my other loans online, that it would be forwarded to Navient also, so there was no need to fill out another one. Little did I know at the time that this was definitely not the case. Several months later I was checking my credit report, & noticed that I was supposedly defaulting on my loans through Navient. So once again, I called them up & spoke to a different representative. This one apologized for the wrong information I had received, & said they would take a look at my account to see what could be done. Then I was told that they were able to process my application over the phone, & that they could back date it so many months prior to this application. However, upon checking my credit report several months later, I noticed that I still had negative marks from Navient for XXXX, XXXX, & XXXX of 2016. So I decided to call them up again & explain the situation & that the last representative I had talked to was supposedly back dating it so I wouldn't have any late payment. This representative then proceeded to tell me that they were unable to correct it because it had already been several months past that time & that they couldn't go back any farther than like 2 months. Aggravated, I thanked them anyways for their time, & hung up. I then tried to dispute the late charges on my credit report, & Navient declined to fix them apparently. So, I called them again & asked who I could speak to regarding fixing these negative marks on my report. I was then told by that representative, that I would have to send a letter to Navient 's credit department along with proof that I had my other student loans deferred at that the time, & ask if they will correct it on my report. I have had nothing but aggravation dealing with this company. All they did was give me the run around everytime I had contacted them, & because of this, their negative marks on my credit report are still killing my credit score. I am probably not the only person out there that has been mislead by this company 's poor customer service department. I just hope they find a way to fix these issues quickly, or hire & properly train some new representatives because this is ridiculous.
Company Response: Closed with explanation
2019-05-23
Glendale, CO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: My company pays a {$150.00} overpayment on my loans directly to Navient. For the last year, I have requested it be directed at my highest interest rate loans. I have been told every time I call, that it is directed that way. Yet every single month it is not. Initially, it was going to my lowest principal/lowest interest loan. I first started calling a year ago. I was able to redirect it at first, but recently I have just been told that it is going to the highest interest rate despite my loan summary/account summary stating otherwise. When asked if they are seeing something different than I am seeing displayed online, there was no explanation and I was told they would send my history in the mail. When I asked again what the discrepancy is, I was just told that they would send it in the mail. I have the authority to direct my overpayment as I choose and Navient continuously is choosing to direct it against my direction in their favor of a lower interest and principal, costing me more money in the long run. I have been exhausted and frustrated from calling every month, so unfortunately numerous months were left incorrect as Navient continues to not correct their errors for future payments.
Attached are a few examples of my lower interest loans clearly being paid by the overpayments.
Company Response: Closed with explanation
2019-05-23
Santa Rsa Bch, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I am an XXXX XXXX XXXX in Florida. Being a XXXX XXXX I have applied for the Income Driven Repayment System. I have been on the Income Driven plan since I began paying my loans back in XXXX of XXXX. On XX/XX/XXXX of this year, XXXX, I received an email about needing to re-enroll in the Income Driven plan. I completed my application and submitted it on XX/XX/XXXX. My payments were {$160.00}, but I did expect them to go up due to a raise I received in XXXX. I received an email from Navient on the XXXX stating they received my application.
On XX/XX/XXXX Navient withdrew {$1800.00} from my bank account. On the XXXX I realized the issue and immediately called their customer service. As a state employee, taking almost {$2000.00} from me leaves me barely enough to pay my rent, let alone leaving me with any left over for day-to-day living expenses.
The lady I spoke with on the XXXX was minimally helpful. She was able to process the reimbursement request and she told me that it should be returned to my account no later than the XXXX of XXXX. She then explained that once the money is returned to my account, I will need to call them and use a month of forbearance to make up for that payment so my account can be brought back to " current ''.
On XX/XX/XXXX, I was re-approved for the income driven repayment plan. They took {$1800.00}, two days before approving me to continuing paying less than {$250.00}.
The XXXX of XXXX came and went and I did not receive the reimbursement. I called again on Monday XX/XX/XXXX to try and figure out what happened. I spoke to a different representative and she told me that it can take up to 10 business days for the money to be reimbursed. She told me the lady who told me that it would be in by the XXXX was just wrong. We recalculated the 10 day window and she reassured me that I should have my money by the XXXX, which was the following day. I thanked her and ended the call.
The reimbursement was not in my account on the XXXX, but I did not know if it would be posted to my account sometime that day so I did not call on the XXXX. This morning, XX/XX/XXXX, the money was still not in my account, so I called for the third time.The gentleman I spoke with was unhelpful and gave me yet another timeline of when I can expect the reimbursement, this time telling me that it can take up to a month. I asked why there is not a system in place for people who were in the income driven plan, who have reapplied to remain in the income driven plan so that they are not put in this position, he could not give me an answer, but rather asked whether I called to submit the application or did it online. Why that mattered, I am not sure. I asked him who I could speak to because this was unacceptable and he told me that he guessed I could call the Department of Education.
Navient pushes you to be on an auto-pay system, saying to can qualify for lower interest rates, and I know because I heard the message each time I was on hold waiting for help, and I sure to ensure that they are getting paid every month, yet they don't have have anything in place to freeze my Navient account or my auto-draft as they sit on my application for up to 3 weeks.
Due to the large amount taken out of my account, I will not only have to use one of my months of forbearance for my loan, but I also have not been able to pay my credit card bill and I am now receiving late fees on that account.
Company Response: Closed with explanation
2019-05-23
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
2019-05-23
Katy, TX
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-05-22
Briones, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-05-22
Cordova, TN
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
2019-05-22
Baltimore, MD
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
2019-05-22
San Antonio, TX
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Complaint: I have been paying on my student loans for 5 years now. After several forbearances ( recommended from Navient ), I started making payments of ~ {$260.00} per month.
I recently went to pay my remaining balance in full ( ~ $ XXXX ) and thought I was done with my student loans. I also recently obtained a XXXX XXXX credit card that provides a free credit monitoring service and noticed an additional ~ $ 30K that was delinquent. I called Navient to ensure that the XXXX was all that I owed, and they assured me.
I called the Department of Education line ( who was very helpful ) who discovered they sent accounts I was still paying on into debt collections. I need a resolution!
Company Response: Closed with explanation
2019-05-22
Cherry Brook, MA
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: No money going to principle.Adjustable interest changing all the time and high monthly payments.
Company Response: Closed with explanation
2019-05-22
Atl, GA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-05-22
Raleigh, NC
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Someone claiming to represent Navient calls my grandmother multiple times per week.
They need to stop.
Company Response: Closed with explanation
2019-05-22
Mem, TN
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Company Response: Closed with explanation
2019-05-22
Foothill Ranch, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: In XX/XX/2019 I submitted the necessary documentation for renewal of my IBR. On XX/XX/2019 Navient sent me a letter stating it's approved and that my new payments plan will be sent to me after XX/XX/2019. ( See attached ) However, Navient has not sent me this new payment plan.
Please have Navient send me the new payment plan as they are required to do under Federal Law.
Company Response: Closed with explanation
2019-05-22
Waupun, WI
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Complaint: Navient systematically and illegally failed borrowers at every stage of repayment which led to lawsuits. They have falsely put 4 separate inquiries on my credit report and have docked interest on every one of them which has caused my credit score to dramatically lower which stops me from financing a home for my family. On XX/XX/2016 there was an amount of {$6000.00} which is now {$6800.00}, Also on XX/XX/2016 there was an amount of {$3500.00} added to the report which is now at {$3800.00}. On XX/XX/2016 there is an amount of {$660.00} on the report which is now {$730.00} and another report on XX/XX/2016 of {$500.00} which is now {$530.00}. My graduation date was XX/XX/2016 which would make this information incorrect due to the fact that repayment would not take place until after the graduation date.
Company Response: Closed with explanation
2019-05-22
Elgin, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I was told that they don't have to send me a billing statement. The rep said it's not required by law and encouraged me to do a forebarence to bring my account current so they could try to send me a bill.
Company Response: Closed with explanation
2019-05-22
FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: Navient is billing me incorrectly. For years the amount of my payment due has been around XXXX. Since 2016 I began paying XXXX. In XXXX I made a payment of XXXX because it said I was overdue. It didnt make sense to me but Im trying to buy a house so I paid it. Then I called and they said they had made a mistake and they would credit my payments and I was now paid ahead till XXXX. I then logged in a few weeks ago and it shows I owe XXXX plus dollars in late fees! I called them and said this doesnt make any sense look at my payment t history. And even if that was the case when I overpaid when I made the payment of XXXX after they applied the amount to the normal payment of principal and interest the late fees should have then been paid. I dont have ANY statements or correspondence from them nor can they provide any that shows I have a late balance of XXXX plus dollars. When you look at my payment history you will see it for yourself.
Company Response: Closed with explanation
2019-05-21
Pasadena, CA
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
2019-05-21
Bentley, MI
Incorrect information on your report
Student loan: Federal student loan servicing
Information belongs to someone else
Company Response: Closed with explanation
2019-05-21
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
2019-05-21
Stroudsburg, PA
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
2019-05-21
Arco, CA
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: I called Navient today to make a complaint because they are not permitting me to renegotiate the interest rates on my private loans. My loan balance is more than {$100000.00} and has not changed despite my monthly payments. Due to steadily increasing interest rates, my monthly loan payments have increased from approximately {$500.00} to almost {$800.00} in less than 2 years. I am deeply concerned about their practices which feel predatory and unreasonable, especially to someone with a low-income background who was the first in her family to go to college.
Company Response: Closed with explanation