Navient Solutions, LLC.

2019-05-21

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

2019-05-21

Live Oak, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-05-21

MO

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: Navient has continually harassed me since I finished my program. They call up to 8 times daily and when I've told them I need lower payments they say they can't help and have even made derogatory comments such as " well you signed up for financial aid and we can't help that you're divorced now ''. They are completely inflexible, aggressive, rude and harassing. I can not afford to keep them happy so I've considered changing my phone number. This company deserves to be sued into oblivion. It's a truly predatory company, if there's ever been one. Students are better off without them and I regret using their services as I'm harassed daily.
Company Response: Closed with explanation

Timely Response

2019-05-21

SC

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have no knowledge of these accounts. They are reporting on my report under Navinent.
Company Response: Closed with explanation

Timely Response

2019-05-21

NJ

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I graduated college 10 years ago this month, and I still have over {$120000.00} in student loan debt. I have made payments for the last 10 years, along with my co-signer and have requested to find repayment option plans to help with the monthly payment for the lifetime of the loan with little or no success at all. Putting it into perspective : I graduated in 2009, in the heart of the recession. I was jobless for months on end trying to find work after graduating from a top 50 school. I was laid off two times within a year and on top of the hardship, I was expected to pay back my student loan. At the time, Navient, formerly Sallie Mae, would not allow me to pause payments or reduce payments given my absence of income. In fact, my only option was to be put into forbearance AT LEAST 5 times in XXXX. This company steered me towards multiple forbearances instead of income-driven repayment plans, and I have tremendously suffered. My interest rates are through the rough and the additional principal I have to payback is astonishing. Navient will not disclose this information to me and let me know the dates where my account was placed into forbearance. In addition, each time it was placed in forbearance, I was responsible for a {$150.00} fee. My co-signer and I received numerous calls from collections and threats that our credit would be impacted. Who knew that getting a great education would have me suffering for 10 years, and many more to follow? I currently have zero assets ( no car, no house ), and I'm not sure when I'll ever be able to own something. My current payments per month are {$550.00} and my co-signers are {$430.00} ; roughly $ XXXX/month combined. Please help me.
Company Response: Closed with explanation

Timely Response

2019-05-21

Detroit, MI

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: I have called twice within the last week to obtain information about my eligibility for and options regarding repayment plans, due to a change in circumstances. Navient the loan services has refused me information and has attempted to tell me that they can not discuss what options I have available to me until I have an outstanding payment or negative balance on my account. I have asked to be informed of my choices and options and let them know my circumstances will be changing. They are hostile and uncooperative. They are unwilling to discuss my options and are telling me that until I have a statement that shows a payment needs to be made or I am late on payments they can not discuss my options. I have previously had issues with this servicer and I know that when your account is past due they are unwilling to work with you as well. It appears they are attempting to stall in order for me to be late and the company to capitalize on interest.
Company Response: Closed with explanation

Timely Response

2019-05-21

Jackson, NJ

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

Timely Response

2019-05-21

Northside, NC

Incorrect information on your report

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

Account status incorrect
Complaint: I have previously disputed the above-mentioned student loan payment history on XX/XX/XXXX, XX/XX/XXXX. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Please see lines 5 & 6 of the attached FTC advisory opinion. The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid. Navient representatives told me that because the delinquent payments were accurately reported previously, they would not update their reports to the credit bureaus to show that the payments were now paid. However, Section 623 ( a ) ( 2 ) clearly states that the reports must be updated/corrected regardless of whether they were accurate at one point. Therefore, my credit reports do not accurately reflect what was set forth by the FTC Advisory Opinion to XXXX ( XXXX ) with regards to the Fair Credit Reporting Act ( " FCRA '' ) on the reporting by educational institutions of additional information to credit bureaus about defaulted student loans. I am therefore requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the above-referenced account showing late payments in XX/XX/XXXX be updated and corrected.
Company Response: Closed with explanation

Timely Response

2019-05-21

Itasca, IL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I attended XXXX University from XX/XX/XXXX - XX/XX/XXXX ( Start date is approximate ). XXXX recently settled a lawsuit with the FTC for fraudulently recruiting students by lying about expected income after graduation, and number of students who acquired jobs after graduating, among other things. In addition, I personally was lied to about their job assistance program and their overall quality of education. I currently have a borrower 's defense to loan repayment application being processed which will hopefully dismiss my federal student loan debt but I still have a private loan which isn't covered by the borrower 's defense application. The private loan 's disbursement date was XX/XX/XXXX, Original amount was {$14000.00}, current unpaid principle is {$16000.00}, interest rate is 11.5 %. Before filing for borrower 's defense I also filed a consumer complaint with the Illinois attorney general. An investigation was done but in the end, nothing came out of it. I received a final response from the attorney general 's office stating that they simply couldn't provide anymore assistance. Many correspondents went back and forth between the Illinois attorney general 's office, myself, and XXXX but nothing was resolved. I have many documents from the attorney general 's investigation, signed statements from fellow classmates as well as my mother who at the time was involved in some of the nonsense that took place while I was attending school at XXXX. I had programming teachers not showing up for class, unqualified professors, a complete lack of education and received no real assistance from the career services department during or after graduation. I was told XXXX had partnerships with companies and that companies actively sought out XXXX students. This was not the case. I went to XXXX for XXXX XXXX XXXX and XXXX. They had zero XXXX XXXX opportunities or partnerships and the companies that did show up on " career day '' were companies like XXXX XXXX, phone companies, basically retail jobs or jobs you didn't need a college education to get. For a long time after graduating I didn't know what to do. I was in a lot of debt and had nothing to show for it. I was not educated in my field, I had no experience, I was hundreds of miles away from my family, trying to keep a roof over my head. My main job at the time, the one I held on to for dear life, was my XXXX XXXX job. Little did I know that job was going to save me as I ended up using my resources there to land a XXXX XXXX XXXX XXXX job. While I wasn't experienced in my field, I did know some XXXX and was good with computer hardware. This saved me and I was able to provide for myself. I wasn't paying my loans cause I couldn't afford to still but I was able to afford a place to stay. I remained resourceful and eventually began studying XXXX XXXX which opened more opportunities where I was at. I later applied to a XXXX XXXX position at that same company and that is currently what I'm doing now. It's not what I went to school for and I had to work hard to get it, and still do, but I am happy to have something. I spent so much time and money at XXXX. Looking back now it's even more obvious the lack of education I received. After studying XXXX XXXX and doing all I do with my current job, it is clear that XXXX did nothing but take my money. XXXX should be held accountable for their actions. XXXX preys on people, young growing adults who are nave enough to listen to their lies ; promising an education, learning experience, and career assistance that doesn't exist. Please help if you can.
Company Response: Closed with explanation

Timely Response

2019-05-21

Chicago, IL

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: On XX/XX/XXXX, I pulled my credit report and was surprised to find four late payments that were reported by Navient. I then called Navient between XX/XX/XXXX and XX/XX/XXXX to ascertain the details on the late payments and the representative I spoke with was unable to find any information regarding the late payments that were reported to the credit bureaus. Consequently, I assumed that this confirmed that the four late payments were an error and filed a credit dispute with XXXX on XX/XX/XXXX. On XX/XX/XXXX I received the dispute results. The results were that Navient had reported the late payments correctly. Furthermore, on XX/XX/XXXX I called Navient again and spoke to a representative with the new data I had received from the dispute outlying the exact dates being XXXX and XXXX of XXXX and got the exact loans that had been reported as the following : 4 Navient accounts - XXXX - XXXX - XXXX - XXXX Stafford Subsidized loan The representative was able to see that I was coming out of forebearance and the rest of my loans as I carry multiple student loans with Navient were still on or continued to be on Autopay, however, these for some reason went to manual pay and only these select 4. The automatic debits should have been reactivated after forebearance as the other loans were. The representative told me that this very well could have been a technical glitch on the system and to send a narrative with the credit dispute copy attached to this address. I did this and sent a narrative similar to above with a credit report dispute result on XX/XX/XXXX via USPS Priority mail. Navient said they would respond within 30 days. As of XX/XX/XXXX they have not responded or issued me any correspondence.
Company Response: Closed with explanation

Timely Response

2019-05-21

Saint Paul, MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have been making payments on my loan since I graduated. My loan was sold off to Navient and I have been having issues ever since. Not a dime of my money has gone towards my principle balance and I have not made a late payment. Something needs to be done. I don't want to die with this loan. Please help or advise on what my options are or how you can help. At this point I wish I would have never went to school. I don't what to do. At first they said my loan would be forgiven after 25 years as long as I never made a late payment. Well I called again and I keep getting a different story. The 2nd time they said it would be forgiven after 20 years. I have been talking to a lot of people about this and they say that forgiveness it not true. Please help me.
Company Response: Closed with explanation

Timely Response

2019-05-21

CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have been a member of the United States XXXX XXXX since XXXX in both an XXXX XXXX and XXXX XXXX XXXX. I have been a XXXX employee, without a break in service, since XXXX of XXXX. After passage of the public service loan forgiveness act, I contacted my loan servicer, Navient, and was informed that if I continued my federal government service and made payments on my student loans for 10 years, I would qualify for the loan forgiveness program. After 10 years of on-time payments and a continued 10 years of XXXX XXXX employment, I contacted Navient again in XXXX to see what I needed to do to apply for the program and was then informed that I did not have qualifying loans and would need to consolidate my loans and make additional payments for 10 years, with overlapping qualified public service, in order to be eligible. If I had been given this information when I originally called Navient in the XXXX timeframe, I would have consolidated my loans at that time. Navient has failed to carry out both the spirit and the letter of the public service loan forgiveness act by failing to provide any accurate information to me about my loans since I inquired after passage and implementation of the legislation. At a minimum, they should have given me accurate information when I contacted them. After failing to do so, they should have contacted me by letter or email to inform me that my loans did not qualify after I initially reached out to them and was given the incorrect information.
Company Response: Closed with explanation

Timely Response

2019-05-21

Woodland, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: In XX/XX/XXXX I applied for an income based repayment program and was approved with a payment of {$0.00}. I have an email from Navient on the date I was approved saying this. I have an email they sent me at the end of the repayment period ( XX/XX/XXXX ) to inform me of what the new payment will be. Navient did not honor the repayment agreement I was approved for, which is a breach of contract, and instead reported my 10 individual loans as late every month to the 3 major credit bureaus. They say that they have no record of my IBR application but I have confirmation of them approving me. They can't even tell WHAT they approved me for as half of the emails from Navient refer to my IBR and half of them reference either a deferment or a forbearance. Regardless, something messed up and I'm now paying the consequences despite my documentation. My loans were defaulted, then closed and XXXX opened 10 new loans for collection purposes. This means I have 20 severely derogatory loans reporting on my credit reports. Additionally, Navient and/or XXXX informed the Dept. of Ed of my default and my tax return for tax year XXXX was offset and applied to my loans. However, my loans were not late. The payment owed was {$0.00}. I have been trying to resolve this issue and have worked patiently with XXXX from Navient 's Borrower 's Advocate office. She is extremely nice and seems as though she wants to help me. However it has been approximately a month since I began working with her and although she has acknowledged that " so much has gone wrong '' with my account, and that this isn't my fault, I feel as if I'm being strung along. XXXX said that she was investigating to see if the issue ( that studentloans.gov apparently didn't forward Navient my IBR application ) impacted other people as well, but truth be told, that is not my concern. I need my issue resolved so that I can fix my severely damaged credit. Navient is being willfully negligent in their duties to help me resolve this. One example : I sent Navient all of my documentation supporting my position ( 34 pages, which I am attaching to this complaint as well ) and in response, they sent me a letter saying my dispute was considered frivolous because I didn't supply any supporting documentation. Another example : I can not access any documents in my online portal that are over 12 months old. I requested a copy of all correspondence between Navient and I from XX/XX/XXXX through the current date in order to help me understand where things went wrong with my account. Instead of complying with my request ( which they offer to me on their website ), they sent me two copies of the 34 pages I sent them, a few random billing statements, and a letter telling me how to change my name. Speaking of my name, another issue that went wrong with my account and likely contributed to this mess is that Navient has made up a new last name for me by combining parts of my maiden and married names, which actually resulted in me not receiving mail from them because my postal carrier put a note on my mailbox door saying only deliver mail for my married name. This is not my fault. I sent Navient a copy of my marriage certificate, my DL, and my SSN card a few years ago with a request to change my name and they did not do that. Despite impressing on Navient and XXXX how important it is that they fix my credit, in response to my disputes filed with the 3 credit bureaus, Navient and XXXX reported additional false information and further damaged my credit scores. Example : Navient updated the date on my loans to current, instead of leaving the date of last activity as the date they closed the accounts back in XX/XX/XXXX. This caused these to look like brand new charge offs and my score decreased. For their part, XXXX updated their trade lines to list a new open date of XX/XX/XXXX, making it look like I was in collections for an entire year longer than I have been. This resulted in a year worth of double reporting of derogatory payments that were never even late to begin with. All XXXX has done to be of assistance ( including ignoring a referral of my case to them from the Student Loan Ombudsman Group at the Dept. of Ed ) is to send me a form to try and argue for my tax refund to be returned to me due to a financial hardship. I have not filled this out because it does not address the actual reason why I need my refund back which is that I was not in default. Navient and XXXX have each caused me exceptional harm by furnishing false information to my credit reports. Over the course of time that this has taken place I have well over 100 90-180 day late payments on my credit report, in addition to 10 loans in collections. This has depressed my FICO scores down below 600, has caused me to be denied credit, has increased my cost of car in insurance, and has made it impossible for me to move this summer.
Company Response: Closed with explanation

Timely Response

2019-05-21

East Troy, WI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: When I've made extra payments on my loans, it never goes to the principal amount. I have two ( 2 ) loans with them. I have asked them to separate them so I can receive separate statements. They told me they are unable to do that.
Company Response: Closed with explanation

Timely Response

2019-05-20

Prattville, AL

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

2019-05-20

Atlanta, GA

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

2019-05-20

Lawncrest, PA

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-05-20

Chicago, IL

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-05-20

Arvada, CO

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I have been paying Navient/Sallie Mae for over 10 years. Over these years, I have called in multiple times to help with my loans. I was told instantly that I should defer my loans so that I can get my finances in order. So I did. When I was ready to pay, I called back and they convinced me to do the lowest monthly payment to start out, so I did. I always paid above the minimum, however, the payment never went down. When I met my now husband, he reviewed everything and shows that ALL of my payments were going to interest. ALL. We called up so they can adjust the plan. For the next couple of months, it seemed like the money was being distributed better, but after awhile, it was back to the same thing. This year alone, I have paid about {$4500.00} and {$1400.00} of it has gone to interest. I have only taken out {$27000.00} total however, to this day, I still owe {$41000.00}. I have asked them if we could come to a settlement agreement, but they said no. I feel like I am never going to pay this down and some of the loans go back as far as 1999 at this point. The people who answer the phone there are clueless and do not help at all.
Company Response: Closed with explanation

Timely Response

2019-05-20

TX

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX continues to call me re : Sallie Mae Loans that were forgiven in 2012 & they're reporting erroneous information to the credit bureaus.
Company Response: Closed with explanation

Timely Response

2019-05-20

Albuquerque, NM

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2019-05-20

Hampton, VA

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

2019-05-20

Worcester, MA

False statements or representation

Debt collection: Other debt

Impersonated attorney, law enforcement, or government official
Complaint: I am a victim of illegal collection practices from Pioneer Credit Recovery. This agency is garnishing my wages without ever trying to attempt to talk it with me. This agency went straight to my employer with false letters to demands that payments be made to them from my paycheck. I had previously submitted 2 complains in regards to this issue and today I am submitting another to report a scam as this agency refuses to speak with me about this debt and will not provide statement about payments towards the balance. The Department of education has not sent me any notification indicating that payment are being received and against the debt. Pioneer Credit Recovery is garnishing my wages without a court order. I have informed them to stop collecting in this way since they have never worked with me and they said that they will not stop the garnishment. This is in violation for the Fair debt Collection Practices Act ( FDCPA ). As of this complaint, my employer has given Pioneer Credit Recovery {$6600.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-20

NH

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: Representative named XXXX from Navient is calling my place of employment repeatedly, nearly everyday for a week. He has also contacted my extended family members repeatedly.
Company Response: Closed with explanation

Timely Response

2019-05-20

Phoenix, AZ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Complaint: XX/XX/2019 received Debt statement from US DEPT OF EDUCATION. Stated that they hold the defaulted student loan and balance was now due. Letter shows original amount of {$1900.00} & {$3500.00}. Never knew these loans existed. Never had a Loan Servicer assigned to me. Never received correspondence regarding this loan was active. Now, received letter from collection agency XXXX XXXX XXXX XXXX stating balance owed is now {$6900.00}. What would be my next action step since none of these firms advised me of what was due. Never received billing statement, never knew these even existed. Rules were not followed to support these Federal Loans. What are my options?
Company Response: Closed with explanation

Timely Response