Navient Solutions, LLC.

2019-05-16

Minneapolis, MN

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

2019-05-16

Reynolds, IN

Threatened to contact someone or share information improperly

Debt collection: Federal student loan debt

Talked to a third-party about your debt
Complaint: They have been contacting my neighbors and random people in my city about a debt that isnt even mines. Called my colleges clients about me. I am a real estate agent who can not afford them defaming my character.
Company Response: Closed with explanation

Timely Response

2019-05-16

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

Timely Response

2019-05-16

Bellerose Terrace, NY

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-05-16

Bremen, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I received a letter from General Revenue Services on XX/XX/XXXX saying they refuse to investigate my dispute- I have requested debt validation for the balance of {$540.00} General Revenue Corp and I have not received any thing. I reported this previously and they claim to have mailed it in the past but I never got anything. They also did not upload any documents in the Consumer Financial Protection Bureau Portal. I am requesting them to provide a copy of a signed contract for the services of this amount they are collecting for. I am asking for a numerical breakdown of the services they provided that cost {$540.00}. They have not provided the documents within the 30 day required by law-
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-16

Brighton, NY

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

2019-05-16

PA

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: Student loans were included in bankruptcy payments, All bankruptcy payments have been paid off on time. Bankruptcy payment were complete XXXX of XXXX, Navient started showing up on my credit report in XXXX of XXXX with something called " repurchased '' and Navient says I still owe them money.
Company Response: Closed with explanation

Timely Response

2019-05-16

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

2019-05-16

Lewisville, TX

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: My complaint is in regards to Navient. A check for {$160.00} is sent in every month, and I make the remainder of the payment at the beginning of the month as well. Navient misapplied my payment, when I sent an email on XX/XX/2019 to please apply the payment correctly to the remaining monthly balance I got an email back saying it would be completed. I get online today XX/XX/2019 and out of the {$69.00} that was paid online only {$25.00} was applied saying with a remaining balance showing owed. When I called in at XXXX the representative couldn't tell me where the remaining {$43.00} was and why it wasn't applied. Then the rep tells me that the account will not be updated until after the billing cycle on XX/XX/XXXX which is after my payments are due. I also received and email stating that I still needed to make my payment. The rep refused to transfer me to get the payment applied to show I do not owe money and so I won't receive any more emails saying I owe money which I do not. Now I have been sitting on hold for over 25 minutes. The rep on the phone will not speak or answer anymore questions and will only say that they can not help me anymore.
Company Response: Closed with explanation

Timely Response

2019-05-16

Seattle, WA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Navient encouraged me to put my loans into forbearance during residency which continued into fellowship. I was not given information regarding income based repayment options which would have been a better option. I felt very misled and have increased repayment amounts due to this ( which was a total of 6 years ). They took advantage of me and did not give me all the information I needed to make educated decisions, decisions within my best interest.
Company Response: Closed with explanation

Timely Response

2019-05-16

Woodland, WA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I know I have been wrongfully charged late fees and interest applied to my total remaining balance due to the complete incompetence of payment processing and auto pay set up with Navient Corporation. This has occurred over the entire course of my student loan repayment after leaving college though I do not. I unfortunately do not have much record of the incidents leading me to this conclusion at this time. I hope to seek Justice in this matter none the less. Navient Corporation has called me many times over the course of my Dept repayment to inform me of late and not received payments. On the first of these phone conversations which they informed me was being recorded, I complained about not being able to login online to view my debt. They informed me this was due to them not having my correct social on file and asking me to mail a copy of my SSN card in the mail to the company. I complained that I would like to set up autopay to avoid these late fees and misprocessed payments, only to be told that I would first need to send in my SSN. I was extremely frustrated by this and failed to comply, thinking it a ridiculous request. Only to find out the next time I spoke to them over the phone that in fact, they do have my correct social on file and I don't need to mail anything in. I then was finally allowed to bring my balance current and I asked to set up auto pay to avoid problems in the future. I gave the representative on the line my account and routing number and was informed that it was set up and everything was taken care of. This occurred about a year ago, only to find out six months later, that in fact, auto pay had not been set up and I was again late in my payments for the entire time that I was under the impression it was on auto pay. I then was given the option to bring my balance current again, which I did and I also made sure to have them set up auto pay to avoid this from happening again and gave them my routing and account number a second time. I was given yet another " all future payments are set up for autopay '' by the company representative. I have just today ( XX/XX/2019 ) been informed that in fact this was another lie. I just moments before typing this complaint was on the phone with Navient to complain about not being able to login online to see my loan. The representative again informed me that I am past due on my payments and that auto pay has not been set up. I could barely believe it and tried explaining my situation to the representative who was unsympathetic. So I made my balance current yet again and yet again set up autopay. Only this time I asked for Navient to send me written confirmation of autopay being set up. I feel as though I may never receive justice for the years of mistreatment and additional charges and delayed loan payoff and credit score hits received due to the gross incompetence of the payment processing of Navient Corporation
Company Response: Closed with explanation

Timely Response

2019-05-16

Point Arena Air Force Statio, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: In XXXX this year I filled a complaint because I was trying to get Navient and XXXX to communicate with each other and reslove this matter. I was advised by CFPB " When two borrowers obtain a consolidation loan they become jointly obligated to repay the entire loan. If one of the borrowers become totally and permanently XXXX, that borrower may qualify to have their portion of the debt that represents their underlying loans discharged. During these situations, the consolidation loan will be reduced by the amount representing the XXXX borrowers portion '' My husband who is XXXX XXXX have a consolidated student Loan. We filled out an appplication with XXXX to discharge his part of the loan. XXXX told me that Navient did not report anyone owing the loan except for me. When they check with the XXXX XXXX department, my husbands name is not included so they can not discharge his part of the loan. I have gone back and forth since XXXX concerning this. I would like to know what steps I can take to resove this matter. Thank you.
Company Response: Closed with explanation

Timely Response

2019-05-16

Gold River, CA

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

2019-05-16

Ocklawaha, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I haven't been able to log into my account to even attempt to make payments since 2016. I've tried numerous times to have my information sent to me in order to log in, but somehow they don't recognize my social security number and birth date. I've requested forbearance at least 3 times already because it's my only option without logging in. All I had to do was reply " yes '' to their email, or let my account fall into delinquency. I want to pay my loans but they won't help me do it! I started out with a small loan and it's doubled in size because I can not do anything about it. This is incredibly frustrating and unfair.
Company Response: Closed with explanation

Timely Response

2019-05-15

Batesville, IN

Incorrect information on your report

Student loan: Private student loan

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-05-15

Sparks, NV

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

Student loan: Federal student loan servicing

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation

Timely Response

2019-05-15

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

2019-05-15

Taft, OH

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

2019-05-15

Bethpage, NY

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

2019-05-15

Richland, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-05-15

Grandview, MO

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2019-05-15

NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Navient has misapplied my loan payments and has not followed my instructions on how to apply over-payments resulting in an increase in loan balance. I made a payment on XX/XX/2019 as follows XXXX Direct Loan - Unsubsidized - {$50.00} XXXX Direct Loan - Subsidized - {$200.00} On XX/XX/2019 I provided Navient with notice of the payment, the confirmation number of the payment and specific instructions regarding how these payments should be applied. The payments were to be applied to the outstanding balance of the loan and were not to advance my monthly payment. On XX/XX/2019 I made my standard monthly payment which includes a payment of {$250.00} to loan XXXX and a payment of {$37.00} to loan XXXX. The full amount of the payment was taken out of my bank account but only {$200.00} was applied to loan XXXX and {$0.00} was applied to loan XXXX. I don't know why my payment was not applied correctly or where my money went. There is at least {$150.00} in payments unaccounted for plus the interest that has accrued because Navient did not applied my payments correctly. Navient sends out canned responses that do not answer my questions in response to my questions. Navient fails to apply my payments correctly. Navient fails to provide an accounting of how past payments are applied when requested.
Company Response: Closed with explanation

Timely Response

2019-05-15

Chesapeake, VA

Getting a loan

Student loan: Private student loan

Fraudulent loan
Complaint: The loan was issued to someone else fraudulently with my information. I tried on numerous occasion to get them to investigate the issue and send me the report to file a police report but they claimed that they did however, it was never received. The loan was taken out during my XXXX overseas
Company Response: Closed with explanation

Timely Response

2019-05-15

CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Payment made via check # XXXX shown by bank as withdrawn on XX/XX/19 by XXXXXXXX XXXX. Account has NOT been credited yet and interest accrues daily. I emailed them and got back a " sorry we did not receive it " email.
Company Response: Closed with explanation

Timely Response

2019-05-15

Southern Pnes, NC

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: Well my student loan was being managed by Navient. I see that another law suit went into play by your company ... .Navient seems to being sued by everyone..huh? Yet my Federal Tax refund went to the US Dept. of Education ... the entire amount. I did not even know of owing anyone due to both of my XXXX needing XXXX and this has been a " long drawn out process '' thru XXXX ... my XXXX XXXX is finally done in the middle of winter and I stayed deathly sick afterwards so I called and told them my XXXX XXXX would not be done til summer. I'm not going thru that again. Now I owed them money too. I am responsible for an adult child with XXXX XXXX XXXX after raising a child with XXXX XXXX ... are you seeing the big picture here ... not an easy life so to speak. I thought Navient had gotten me thru a Loan forgiveness but I guess not due to the USDE taking all of my little {$2700.00} on federal tax refund. I depend on that money to do things that I can not afford to do off my little {$31000.00} a year which is not much after taxes in this economy now a days ... you can not even find a rental prop no matter what it is below {$600.00} and don't get me started on cost of living for everything else it takes to live in this crapped up world that in my opinion " the rich get richer and the poor get poorer '' ... .and while the Government turns a blind eye to I don't know how many millions that the banks got our country into back in XX/XX/XXXX ... .my XXXX little student loan which I thought was taken care of thru forgiveness ... oh yeah the government needs that ... In closing the USDE sent me some automated email with this case number attached to it XXXX ..my name XXXX XXXX. saying they would contact me within 15 days as of XX/XX/XXXX. No other contact has been made to me ... .so I guess in closing no only will I not get any of this years tax refund back ... .they are planning on doing the exact same thing coming up this years returns ... and I guess XXXX me out of money that I depend on as a single mom to take care of things I can't afford because it takes my entire pay just to live in this economy ... and I don't take vacations or go out to eat or those leisure things other people enjoys ... .I just try to live basically and make sure my child with a XXXX XXXX is okay. So if anyone and I mean anyone can take this seriously and help me out with this ... .I would greatly appreciate it. But, I've never been dealt a descent hand in life and I'm sorry to say due to that ... .I do not get my hopes up about things ... I guess I've grown complacent to expecting the worse and that's usually what happens ... so thank you from the bottom of my heart sincerely .... if you can do something about this in advance.
Company Response: Closed with explanation

Timely Response