Navient Solutions, LLC.

2019-05-03

Bronx, NY

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
Company Response: Closed with explanation

Timely Response

2019-05-03

NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My name is XXXX XXXX. I took my loans out when I was a student at XXXX University. I was an education major and upon graduation got a job at XXXX XXXX XXXX at which point I began to repay my loans. At the time my loans we're being serviced by XXXX. I consolidated my loans as per the advice of the company servicing my loans. XX/XX/XXXX my loans we're handed over to navient which is where they are being serviced now. I reached out several times about the federal loan forgiveness program in which I was advised I would be eligible for however after making payments all of which we're on time from XX/XX/XXXX to XX/XX/XXXX I was just made aware that I am not eligible by Navient. I received and continue to receive incorrect or inaccurate information from Navient which is now leading me away from being eligible for the student loan forgiveness program I was trying to be part of. I have tried to call the federal student loan forgiveness program to see if there is anything I can do however when I consolidated my loans apparently I needed to do so under a different loan category called direct loan. I was obviously never made aware of this when I made the decision and was never made aware of this even after I made this decision. Only now, did Navient make me aware however they also said that my 120 payments that I made which would qualify me for the forgiveness program would be reset if I re-consolidated to direct loans. I feel so disappointed that the company hired to service my loans and act on behalf of my best interest is not and did not do so when the timing was so crucial. Unfortunately, there is no company or department out there that is able to hold companies like this accountable for their lack of knowledge or for providing customers with incorrect information. It seems to me that I am not the only person that was mislead. The problem is now that according to Navient and the Federal Loan forgiveness dept, it is too late to make any changes that will allow me to be eligible.
Company Response: Closed with explanation

Timely Response

2019-05-03

South Florida, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I qualify for student loan forgiveness, having XXXX for 25 years. I am XXXX now and never missed a loan payment. I merit to have the remaining {$5000.00} balance dismissed by Navient and DOE
Company Response: Closed with explanation

Timely Response

2019-05-03

Carson, MS

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: MY PAYROLL CHECK IS GARNISHED BY PIONEER RECOVERY AND HAVE BEEN SINCE XX/XX/XXXX. I DID NOT RECEIVE MY IRS REFUNDS AND WHEN I SPOKE WITH XXXX XXXX XXXX FORMED ME THAT DUE TO THEY WERE GARNISHING ME THEY HAD ASCENDIUM TO GARNISH MY TAXES AND ACENDIUM ALSO HAS THE SME COLLECTION AT THE IRS AS PIONEER RECOVERY HAS AT MY JOB FOR GARNISHMENT. I HAVE DOCUMENTATION FROM THE THE STUDENT LOAN WHO GAVE THE LOAN TO PIONEER AND DATES AND
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-03

IL

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I cosigned for a private student loan for my son in 2006. I was in good health and working at that time.He was paying on the loan but then life gets in the way-premature baby, job changes, divorce, etc.Now, I am XXXX, retired, & had to file bankruptcy due to medical bills. Since I am the cosigner Navient continues to harass me with phone calls several times a day. Often the phone only rings once & when I answer no one responds.It starts about XXXX XXXX and ends around XXXX XXXX. I have explained my situation repeatedly but they maintain their is no way I can be removed as cosigner even though my budget is extremely tight! He has asked several times to get a reduction in payments but they recommend forbearance. Now, he has used all of his opportunities for forbearance. Their agent told him yesterday that if he could pay {$19000.00} within 3 months they would take 10 % off the total.That was their only solution!! He made a " parital '' payment but the late charges will keep mounting. I called and offered to pay enough so that partial payment would be considered a " full '' payment but they refused. The agent said I couldn't make a " partial '' payment. She could only accept a FULL payment from me! There is no recourse to eliminate or reduce this debt even though my son and I have both have had major events influencing our income.
Company Response: Closed with explanation

Timely Response

2019-05-03

Charlotte, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: Navient is the loan servicer and even though a letter of cease and desist was sent to them indicating to contact us by mail only, they continue to call daily. Sometimes multiple times daily. This is clearly harassment.
Company Response: Closed with explanation

Timely Response

2019-05-03

FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: On XX/XX/XXXX I logged into my online banking and discovered that Navient debited my account on XX/XX/XXXX without my authorization or permission for {$150.00}. I have never authorized Navient since the inclusion of my loans in XX/XX/XXXX to automatically pay themselves. I last paid my bill on XX/XX/XXXX and was not subject to collection. I filed a complaint with my bank XXXX XXXX XXXX on XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-05-03

Cheverly, MD

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: In XXXX Sallie Mae decides to switch to another third-party service or however I had agreement already set in place for settlement to pay around {$130.00} a month for a settlement of XXXX and some change with the previous third-party services. I have already paid XXXX of that and I was in constant communication with the previous third-party. Sallie Mae is now trying to renege on that agreement for settlement theywill not work with me to negotiate a better price than what they are trying to offer now With the new third-party service. The The current servicer is stating that Sallie Mae is denying my quote request to continue the settlement already had in place.Currently Im only able to afford XXXX as agreed-upon and It is unfair that they would try to Reneged on the agreement of settlement and try to charge me more. They are cracks and they are not honest even the new the third-party vendor was willing to work with me as far as keeping the same Agreement and settlement.However when I call Sallie Mae it was denied.
Company Response: Closed with explanation

Timely Response

2019-05-03

Albion, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have two loans with Navient, consolidated. I am trying to pay off the smaller loan first. The last two payments I have allocated my payment to pay the minimum on loan 2 and do an overpayment on loan 1. However, 24 hours later I will go on the website and the account summary does not reflect my allocation. This first happen on XX/XX/19 and again on XX/XX/19. I have to call them and have them manually adjust it.
Company Response: Closed with explanation

Timely Response

2019-05-03

TN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I currently owe $ XXXX in student loans to Navient. My regular monthly payments are auto drafted monthly, and I am a month ahead in my payments. My company has started to make monthly payments on my behalf for {$150.00}. My due date is the XXXX of the month, and for XXXX, the payment was made on XXXX. As of XXXX, my next payment due is not until XXXX, but a payment will be processed around XXXX. My employer sent the first additional payment of {$150.00} to Navient and it wwas posted to my account on XXXX. The entire amount was applied to interest. I want the amount applied to the principal balance on my smaller loan. I called Navient on XXXX and spent XXXX minutes on the phone arguing about daily accrued interest. Navient told me that the only way I could make a true principal payment would be to make the additional payment on the same day as my monthly payment so there would not be any daily accrued interest due at the time of the payment. So now I'm stuck with the entire additional payment being applied to interest and nothing going to principal. I'll probably still owe on this loan when I die.
Company Response: Closed with explanation

Timely Response

2019-05-03

Alexandria, VA

Struggling to repay your loan

Student loan: Private student loan

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

Timely Response

2019-05-03

CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have parental federal student loans that were taken out for my XXXX children.These were taken out from XXXX XXXX XXXX XXXX ( XXXX ) and repayment on the first loan started in XX/XX/XXXX.The principal balance was {$8600.00}, in XX/XX/XXXXthe principal went to {$16000.00} and by XX/XX/XXXX principal went to {$82000.00} when my other childs loans were added.In XX/XX/XXXX I paid in {$1300.00} ( 12x {$110.00} ) ,XX/XX/XXXX{$2700.00} ( XXXX ) ,XX/XX/XXXX {$3500.00} ( XXXX {$4300.00} ( 12x {$360.00} ) ,XX/XX/XXXX{$4200.00} ( 12x {$350.00} {$5400.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$4900.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$4900.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$4900.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$6600.00} ( 12x {$550.00} ) ,XX/XX/XXXX{$5000.00} ( 12x {$550.00} ) ,XX/XX/XXXX {$5000.00} ( 12x {$420.00} ) ,XX/XX/XXXX {$5000.00} ( 12x {$420.00} ) ,XX/XX/XXXX {$5000.00} ( $ 12x {$420.00} ) ,XX/XX/XXXX {$5000.00} ( 12x {$420.00} ) ,XX/XX/XXXX {$2900.00} ( 7x {$420.00} ) for a total of $ XXXX.Then they sold the loans to XXXX XXXX XXXX ( XXXX ) and they said I had a principal balance due of {$94000.00} I paid 5 payments of {$480.00} for a total of $ XXXX.I then was sold to Navient who said I had a principal balance due of XXXX I paid 7 payments of {$480.00} total {$3300.00} {$5700.00} ( 12 x {$480.00} {$5700.00} ( 12x $ {$480.00}. In 18 years I have repaid a total of {$88000.00} and Navient is saying my principal balance is {$90000.00}?? How can I have paid in for 18 years and had no principal reduction? I have written to Navient twice and emailed questioning the interest calculations but all they offer is to lower the payments so we can drag this loan another 30 years.I got behind on payments by 30 days as I am now retired with limited fixed income and received calls and letters from XXXX XXXX XXXX XXXX ( XXXX ) and questioned them on the interest calculations but all they wanted was the past due payment. There is no way on XXXX 's green earth that I can have paid in {$88000.00} and still owe {$90000.00} are they computing the interest on the rule of 78 's Something smells!!! Please help because my next step is an aatorney.
Company Response: Closed with explanation

Timely Response

2019-05-02

Okc, OK

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: The school closed in 2017 couldn't continue to go did not receive a degree
Company Response: Closed with explanation

Timely Response

2019-05-02

Houston, TX

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

2019-05-02

Las Vegas, NV

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-05-02

Charlotte, NC

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-05-02

Sandy Hook, CT

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

2019-05-02

Las Vegas, NV

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

2019-05-02

Sandy Hook, CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2019-05-02

Phila, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-02

Chicago, IL

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

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

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

Timely Response

2019-05-02

NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: XX/XX/19 I am unable to get a customer service agent on the phone. When I call, there are adds for : 1. XXXX XXXX, 2. services for people over the age 60 3. a XXXX credit of {$100.00} when I decline all- I am put on hold and a customer service agent never picks up. This is not fair and unethical and immoral. I am a slave in the machine that manages to keep me on hold long enough to run out of time, air and the will to participate in the great democratic process that founded this Country. I have been paying this debt for over 10 years, I do not qualify for debt relief because I was lead to believe that consolidating my loan would benefit me. It was a lie. I don't need a special counsel investigation to tell me there is collusion between Washington and big banks. You guys rot. I am going to spend my retirement advocating for people to not pay back their student loans, that's the only way to the negotiating table. Also, I would never encourage anyone to follow me into public education. Your agencies have figured out that we are sitting ducks. The largest union in the Country and through one loop hole or another you have counter fitted the people serving this great nation. I don't need an orange headed XXXX who makes his living cheating the system to represent me, he represents offices like yours.
Company Response: Closed with explanation

Timely Response

2019-05-02

Urbandale, IA

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Complaint: Sallie Mae/Navient has misrepresented the borrower 's ( my ) interest for years with my federal student loans. I have routinely attempted to set my auto-payment amount larger than what is actually due to attempt to pay off my student loans without paying as much interest. In the past, Sallie Mae/Navient has either disbursed the overpaid amounts to my lower interest student loans despite my requests for the overpayment to go to higher interest student loans first, or has lowered the set auto-payment amounts so that less will be paid off on my principle balance. As of today, I am trying to reset my auto-payment amount once again to a monthly payment amount that is greater than what is owed and it is no longer an option to be able to do this on their site. Furthermore, in cancelling the previous autopayment to pay a monthly amount greater than what is owed, they have removed the " benefits '' given to autopayment enrollees despite signing back up within an hour. Sallie Mae/Navient has constantly undermined my ability to be able to pay less in interest to them and are always engineering new ways to make things harder for those who wish to owe less for student loans. This is predatory behavior that is unacceptable and unbecoming of a company who is supposed to represent the United States Government due to their contract to manage federal student loans originating through the Department of Education.
Company Response: Closed with explanation

Timely Response

2019-05-02

Leeton, UT

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX University online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-02

GA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her health care expenses. I fell on very rough times after she passed away, and was unable to make my student loan payments. I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Im not proud of this black mark on my record, but its the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.
Company Response: Closed with explanation

Timely Response