Navient Solutions, LLC.

2019-05-02

Virginia Bch, VA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Navient refuses to show me the contract i signed for an adjustable rate loan ( which i never did ). They keep lying and saying they will send me the contract if i agree to payments. They set up a false account in my name.prove that i signed a contract!! I went into the united states XXXX XXXX XXXX in 2005 the year i graduated highschool for 10 years after i left high school. All you all do is pray on people that cant afford attorneys after setting up fake accounts and then charge them interest they can never payoff. I am in the mortgage industry and i am 1,000,000,000 percent sure that i know you all violate governing laws.
Company Response: Closed with explanation

Timely Response

2019-05-01

Jonesboro, GA

Took or threatened to take negative or legal action

Debt collection: Federal student loan debt

Collected or attempted to collect exempt funds
Company Response: Closed with explanation

Timely Response

2019-05-01

Eastborough, KS

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

2019-05-01

Gonzales, LA

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

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-05-01

Columbia, SC

Incorrect information on your report

Student loan: Federal student loan servicing

Old information reappears or never goes away
Complaint: On XX/XX/2014, I was accepted to attend XXXX University Online. I attended the school for about two years at the time. I did not have a high school diploma to attend this school but the advisor told me that I was okay he was going to accept me anyway and put me on the right track to get my XXXX XXXX XXXX in XXXX XXXX. I was young at the time and get have the best education growing up but I want to be somebody and this was it for me. after attending this school for XXXX years with XXXX credits and a GPA of XXXX, I was also on the XXXX XXXX List. I received a call from a new advisor they told me I could no longer attend this school when I asked them why they did not give me any information and I was terminated from the online school and lost all my credits this Crush my dreams from getting the job I wanted and moving forward in life. For the past few years, I have been struggling with fighting with this school to remove the remarks and the debt off of my credit and the money I did not receive. I still feel like I have been scammed by the school. they have ruined my credit for over 5 years now I have been turned down from a car loan personal loan or good job by having this on my credit as a debt this school has really ruined my life. I have tried many programs and went to the government website to file a complaint but have not received any answers. I did receive a letter from the government on a dispute letter saying that they were going to remove accounts off of my credit but after a few months the accounts were being updated and placed back on my credit I'm back to square one this is my only hope to getting my life back together and putting my family back on track. I have a XXXX son and I want to give him the world not have the best education but. I have the intelligence to keep pushing I am an entrepreneur so I made a way for the world to still see my gifts in repairing Electronics and making people happy but I'm still struggling because I'm unable to expand my business from this being on my credit I unable to grow with this heavy burden on me. it was a mistake for me to trust this school with my future but now my future is in my hands and if this doesn't work I will keep trying to find a way. I believe I will be successful one day and make my son proud. Ps Sorry if I misspelled anything
Company Response: Closed with explanation

Timely Response

2019-05-01

Portage, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-01

Atlanta, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Navient place these loans on Administrative Forbearance for 1 year in XX/XX/XXXX. Which I did not request and placed more interest on the loans at their will. I have requested proof of debt from Navient from XX/XX/XXXX, which they have not produced, yet there are requesting to payment and will try in ruin my CREDIT. In addition to requesting payment they have increased what the payment was prior to the Administrative Forbearance an extra {$200.00} I requested all payments be put on hold until this issues is resolved and proof of debt is produced by Navient. As I do not have an agreement with them either. XXXX XXXX at Navient has received certified mail about this concern. Also, XXXX and Navient all come from Sally Mae. An e-mail was sent to the CFPB stating that the Department of Education requested to place my loans on hold until future investigation was complete. XXXX and Navient hold the same unsigned Master Promissory Note with populated information on there I did not place, so how is it that XXXX has placed these loan on hold and Navient has not? However, they fold the same MPN? I will attach the letter sent to Navient. Also, I have attached an screen shot of how Navient placed late payment information on my credit report and the loan were on Administrative Forbearance because they were being investigated. They had to correct this information on the credit report.
Company Response: Closed with explanation

Timely Response

2019-05-01

Saint Clair, MO

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: On XX/XX/19 I received a call from an individual whose son I was in a relationship with stating that XXXX XXXX from Navient contacted her stating that I put her down as a reference and he was trying to reach me. The individual was upset be the call as she is not a blood relative of mine and does not have contact with me regularly. She tried to track me down. Once she reached me she provided me the name of XXXX XXXX and stated that he gave her a call back number of XXXX. I tried contacting this number at the line just goes busy and sometimes it says the number is not in service. The individual stated that the number on her caller I.D . is XXXX. I contacted that number as well and the same thing occurred. I " XXXX '' the number and it said that it was reported as a Scam. I also believe this to be a scam as I suspect that a known company like Navient would not result to seedy collection practice such as calling random individuals and lying to them about the contents of my loan documents. To my knowledge my loan is in forbearance. This individual was very upset. XXXX XXXX lied to the individual and stated that I put her down as a reference when I in fact had not even dated her son until after law school and didn't even know her is then. She just had a XXXX XXXX and spent weeks in the hospital. She was stressed, alarmed and very upset by XXXX XXXX 's call. Lying and being deceptive in debt collection is is illegal and what about my rights to privacy. The fact that he identified himself as being from Navient, although I suspect that he was not and was just some kind of a scammer, violates my rights. This lady may not be my mother but she is someone's mother. If her pressure had dropped or spiked and she went into another XXXX XXXX just because she answered her own phone and was lied to by a scammer. What would the recourse be? She is learning to just to read, write and feed herself now. She can't even drive anymore and it should not be okay for a debt collect or " scammer '' as I believe to put her through this. She didn't want me to say anything but I think this is terrible.
Company Response: Closed with explanation

Timely Response

2019-05-01

Brisas Del Norte, PR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I started making payments for my loan on XX/XX/XXXX. In XX/XX/XXXX I applied for the REPAYE forgiveness program and they consolidated my loan with a higher APR, the amount of the consolidation doesnt make sense because if I add all my payments the one that goes to my principal the amount consolidated supposed to be less than they put. As of today the payments of last year almost all went to the interest part and is like since XX/XX/XXXX Ive never pay it. Of each payment Ive made the amount that goes to principal and interest has not been on any payment the same. There most be something wrong here.
Company Response: Closed with explanation

Timely Response

2019-05-01

Yeagertown, PA

Incorrect information on your report

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

Personal information incorrect
Complaint: I used a 3rd party service ( XXXX XXXX XXXX ) to get set up with Navient for my student loan repayment. Navient used all contact information from the 3rd party to process my loan. All correspondences relating to my loan, payments and personal contact information was sent to XXXX XXXX instead of me. I received no account number, payment dates, payment amounts, calls or notifications of my repayments status. It was not until a delinquency appeared on my credit report that I was made aware that they were not receiving payment from XXXX XXXX. Once the delinquency appeared on my report, I immediately contacted them and brought the account current! Updated my contact information, including phone, address, email and changed my account log in information. The issue is that the late payment and delinquency was not removed from my credit report. As Navient set up this account with fraudulent information and was never able to contact me to discuss the student loan, my credit has suffered and I am now unable to secure a home loan that I am currently seeking for a home I am scheduled to close on in 30 days
Company Response: Closed with explanation

Timely Response

2019-05-01

Charlotte, NC

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I've never been able to make a single student loan payment. Their records show this. I've tried on multiple occasions to apply for income based repayment plans or loan forgiveness and have always been told I " make too much '' to qualify. However, they always extend the option of forbearance which is counter productive and adds more money to loans I already can't afford to pay.
Company Response: Closed with explanation

Timely Response

2019-05-01

Midwest City, OK

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

2019-04-30

San Antonio, TX

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

2019-04-30

Sarasota, FL

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

2019-04-30

Jonesboro, 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

2019-04-30

Rochester, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I applied for the XXXX with Navient and it was approved XX/XX/XXXX and then they made my payment due the very next day XX/XX/XXXX. They didn't even give a chance to check my email before they made me past due in the amount of XXXX. On top of that my previous XXXX plan was not due to be renewed till XX/XX/XXXX so I lost a month of paying XXXX dollars to being past due and late. The only option I was given when I called customer service was to put the XXXX bill in to forbarence. This seem wrong they should of given me time to prepare for this payment not just XXXX hour.
Company Response: Closed with explanation

Timely Response

2019-04-30

Pacific City, OR

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: First, the original XXXX XXXX I attended was in XXXX XXXX ca, which was no where on the drop down list. it can be found here : XXXX XXXX XXXX I have had issues with predatory lending, specifically with Sallie Mae/Navient . When I went to the school in XXXX, I was given a loan. when I went to consolidate my loan, I was not told that part of my loan would be transformed into a private student loan. I filed bankruptcy in XXXX, listing this private loan and showed proof of unable to repay without it affecting my ability to live. at that time, I thought it was taken care of. Fast forward to today, I have had numerous issues with Navient and this is not the first time I have had to file a CFPB complaint against them. They refuse to offer any forgiveness. They refuse to lower the interest rate and it has grown from XXXX to XXXX. Again I had done all the steps the first time in bankruptcy to show I couldn't pay the debt. Well I filed Bankruptcy again, being careful to ensure that they were petitioned, and took all the necessary steps to include my student loans. They did not show up to the hearing and were well informed. The judge approved dismissal of all loans including student loans, and I was able to prove that It would be a financial hardship to pay this back. They have practiced predatory lending practices and the school I went to is no longer open. Navient refuses to discharge the debt or provide any financial relief. The original amount of both loans that were turned into private loans without my knowledge or consent was as follows : Loan 1 : current balance {$23000.00} Loan 2 : current balance {$8000.00} I am unsure of what else to do. I am happy to submit any information needed.
Company Response: Closed with explanation

Timely Response

2019-04-30

Dalton, MN

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-04-30

Sbc, IL

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was paid
Complaint: Navient has taken 8 payments from me this year which is 2 per month and they are only supposed to debit one from my account automatically each month. They gave me back the 2 extra payments two weeks ago and then a few days later charged me a second payment for the month of XX/XX/XXXX. When I called and complained they acted confused like they dont understand this issue with debiting my account 7 times this year and its just now the month of XX/XX/XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-30

Wallington, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: i submitted a complaint previously requesting the promissory notes, if you take a look back at your response there wasn't anything attached. Please provide me with what i am asking for!!!!
Company Response: Closed with explanation

Timely Response

2019-04-30

Charlotte, NC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: applied for XXXX XXXX XXXX- {$2300.00} Date of loan-XX/XX/XXXX XXXX XXXX XXXX- {$3800.00} Date of loan-0XX/XX/2013 XXXX XXXX XXXX- {$1400.00} Dat of laon-XX/XX/2013 XXXX STAFFORD SUBSIDIZED- {$2700.00} Date of loan-XX/XX/2013 After withdrawing from classes because of my mental impairments ( im XXXX ) navient placed all my loans into a grace period ( XX/XX/XXXX ). Following the grace period my loans were placed into forbearance three times and into repayment four times ( not income driven repayment plan ) until finally I was told about the income driven repayment plan, unfortunately however this is where things turned bad. I wasn't told about the re-sign up date once a year and subsequently my credit score and my life suffered. I called navient to let them know I was XXXX again and submit documents for proof which failed due to customers service bad information. I called again to let them know I was XXXX but was told nothing about XXXX discharge until I asked during my third phone call. I'm mentally XXXX and have been this way since i was a child. Im XXXX XXXX XXXX and because of navient i have a 90-120 day late payment on my credit score and unable to get an apartment credit cards or vehicle financing not to mention the sever XXXX on top of my XXXX
Company Response: Closed with explanation

Timely Response

2019-04-30

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: This is my second time requesting this to be updated on my credit. They took it off to place it back on my credit a month later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-29

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-04-29

Stkn, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-04-29

Oshkosh, WI

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