Navient Solutions, LLC.

2019-04-18

Parkrose, OR

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-04-18

Itasca, 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

2019-04-18

Austin, TX

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: XXXX XXXX XXXX has been harassing my family with phone calls related to my account. I have responded by mail to all of their print correspondence and have even sent in payments as a show of good faith that I am trying to resolve the matter. I wish to file a harassment complain against them in hopes of getting them to stop calling my friends and loved ones. I have their address listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Company Response: Closed with explanation

Timely Response

2019-04-18

Richland, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: Good Morning, I know there is a lawsuit against Navient. I graduated from XXXX ( XXXX XXXX-XXXX XXXX ), XXXX XXXX College ( XXXX-XXXX ), and XXXX University ( XXXX in XXXX XXXX ). I have served over ten years in XXXX XXXX XXXX XXXX XXXX XXXX, and I am being denied the {$18000.00} loan forgiveness because I had to combine my loans because I could not afford XXXX per month student loan payments. I have also been rejected for XXXX loan forgiveness ( I worked as a XXXX XXXX XXXX, etc. ), as well as public employee loan forgiveness. I am being denied three types of loan forgiveness programs because I had to combine my loans to ensure that I did not default on those loans because I would not be able to afford to pay them and was being a responsible adult. I upload all the documentation from Senator XXXX XXXX reply as well as the XXXX XXXX loan forgiveness denial letter from Sallie Mae. Sallie Mae transferred my loans to Navient. I now work at the XXXX XXXX XXXX XXXX in XXXX, New York which is another XXXX XXXX XXXX working with XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-04-18

Lafayette, IN

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

2019-04-18

Staten Island, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Approximately 8 years ago I spoke with a representative from Navient as I was struggling with paying my student loans. I had actually asked about the Public Service Loan Forgiveness and was told that it wouldnt be right for me. Instead of making my loans direct loans which would make my monthly payments qualify for this forgiveness, they put me into an income driven plan. I only found out very recently that this was the wrong thing to do. My loans would have been forgiven after 120 payments. I have since learned from outside sources that I still need to consolidate my loans into direct loans and then make another 120 payments. At this point I have already been paying my loans for 13 years!! I am furious that they scammed me into paying so much more than I needed to. I trusted Navient to steer me into the right choices and they failed me.
Company Response: Closed with explanation

Timely Response

2019-04-18

Norfolk, VA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: My late son had me co-sign for his student loan a few years ago. He died in an accident XXXX XXXX in XXXX New York. I informed Navient and made some payments. Late 2018 Navient informed me that they would satisfy the loan with a one time payment of about XXXX dollars. I mailed them the check and about a month later they returned the money noting an overpayment. However my credit report shows a student loan balance of XXXX XXXX dollars. I notified Navient and the three credit reporting agencies and provided a copy of my sons death certificate. The reporting agencies show an active account when in fact the loan should be paid off and closed out. This negative information is affecting my overall credit scores.
Company Response: Closed with explanation

Timely Response

2019-04-18

Raymond, NH

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I am XXXX XXXX and when i called Navient solutions in XXXX to ask for private loan forgiveness due to XXXX XXXX they stated that I couldnt not because it was A private student loan thru sally Mae originally and i said that all my sallie Mae loans were forgiven and another one that was with A bank which was A private student loan. I asked again in XXXX, XXXX and they continue to say no and every year until i just noticed that this whole time, they have lied to me and call me every 6 months asking if i can Increase my payments. This company has put me in so much stress fighting with them that i was having XXXX and i just called them now and when i asked about loan forgiveness she said they dont offer it but as soon as i said thats actually not correct i had A company in XXXX private student loan and because Im XXXX XXXX it was forgiven and then she stated your doctor said your XXXX XXXX i said yes and why is your company stating you dont offer it when its actually available and she said Ill mail you the paperwork i said thats fine but Ive been paying monthly and i was lied to and all the stuff i had to go thru and now its me filing all over again plus its effected my credit etc I was taken to court by XXXX XXXX years ago for the same issues and finally after doing thru so much stress with them fighting for private loan forgiveness and doctors filing they approved it but Navient even went after my social security and had money taken out knowing i was XXXX and unable to work
Company Response: Closed with explanation

Timely Response

2019-04-18

Oxford, GA

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

Student loan: Federal student loan servicing

Their investigation did not fix an error on your report
Complaint: I have contacted Dpt ED/Navi they reported on my credit that the loans, they were supposed to make the correction to my credit report as the loans are reporting two or sometimes more for the same amount. It was explained that they would make the correction, but as of XX/XX/2019, the updates has not been made. When calling I am getting the run around such as call SallyMae, then I am referred back to Navient. Which the Dept ED/Navi are the people reporting on my credit
Company Response: Closed with explanation

Timely Response

2019-04-18

E Fairfield, VT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with monetary relief

Timely Response

2019-04-18

Philadelphia, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: The company navient has lost my trust and hope to ever pay back my loans. I never can get the right amount I owe. The numbers change constantly on paper and over the phone. I Have been coerced I to getting money taken out of my paycheck but not actually telling me or exactly telling me that wouldnt happen even though they new thats what they where trying to get me to do almost ever time I call. I feel like the o my way to deal with them is by hdwritten letters thats how bad it is. They say if I pay XXXX dollars or XXXX they will forgive XXXX of dollars worth of loans. Nobody has yet given me a number in years and nobody knows? Something is quite not right here.
Company Response: Closed with explanation

Timely Response

2019-04-17

Jupiter, FL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I have been having issued getting Navient to comply with documenting me on information they are reporting to Credit reporting Agencies under my file. information is reporting in duplicate and triplicate, reflecting accounting practices which I find discerning. I have fought them so that they accurately report paid accounts and document amount 's owed. The amounts have fluctuated wildly and the company insists documentation was provided to the CRA 's ( XXXX, XXXX and XXXX ) but has yet to actually investigate and copy me as to the matter. I have paid accounts and have tried to deal with the company to no avail. The university I attended is defunct. I need assistance in the matter.
Company Response: Closed with explanation

Timely Response

2019-04-17

NY

Communication tactics

Debt collection: Federal student loan debt

Used obscene, profane, or other abusive language
Complaint: abusive harassment calls, threaten and pry for private financial information. nasty and shameless.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-17

Wallington, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Complaint: I would like to request a copy of promissory note reference on enclosed letter from Navient. The amount of interest charged during forbearance is atrocious especially when Navient failed to provide other options during my hardship.
Company Response: Closed with explanation

Timely Response

2019-04-17

Scottsdale, AZ

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX of XXXX through XXXX of XXXX I paid my student loan to sallie May which had sold it to navient who I never heard of. My account became delinquent as the payments were rejected. I settled up the account but they refuse to fix my credit report. They are now rejecting my payments again and I do not know why. They are requesting I refinance the loan which I do not wish to do as I have enough issues with this one. I do not trust it would be smooth or an improvement
Company Response: Closed with explanation

Timely Response

2019-04-17

Tubac, AZ

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I am unable to reach my loan servicer navient any other way but phone for my private student loans. They are variable interest rate loans and very high monthly payments around XXXX a month. I called to see if I was able to do anything to lower my monthly payment. When speaking with the right department finally she could only offer me a reduction of XXXX dollars a month for a period of 3 or 6 months and I could only do it once every 12 months. It was called an interest forbareance program. When i asked if i could get paper work showing that the monthly payment after the 3 or 6 months would not go through the roof she said she couldnt give me any thing in writing until I agreed. I told her i would have to think about it and call them back and she said if I didnt decide now then I may not have the option again.
Company Response: Closed with explanation

Timely Response

2019-04-17

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX a guard rail was damaged in a vehicle accident on the Florida XXXX. The driver of a truck owned by me was run off the road, Even though there were 2 witnesses to this fact the Trooper ( she was new/in training had to call her supervisor to ask what to do ) charged him with the accident. We hired an attorney and the witness statements were reviewed so it was dismissed, no charges to the driver. XXXX XXXX company confirmed if no charges then there is no liability to pay for the guard rail. This was all communicated to : XXXX XXXX Claims Assistant, Office of the General Counsel - FDOT, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX, Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. All documentation of dismissal and attorney 's contact information was provided. But then on XX/XX/XXXX I received a collection notice for guard rail damage {$6100.00} due to FDOT from Municipal Service Bureau, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. It stated I could dispute within 30 days and they would mail back to me a verification of this debt. I then sent them a dispute letter via certified mail and I have proof they received it XX/XX/XXXX. I requested they check with FDOT as there is no liability on my part and I requested they close the case as invalid. As of today they have not mailed me any type of verification. They continue to have their agents call and leave messages that I need to pay this invalid debt. When I call back asking about my dispute no one will even acknowledge I sent one. I am being harassed over a debt that XXXX XXXX Co would have promptly paid if I owed it. I have a full property damage policy. I have again written to them today requesting they cease and desist.
Company Response: Closed with explanation

Timely Response

2019-04-17

Finksburg, MD

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: The company Sallie Mae was taken to court for defrauding service members such as myself in XX/XX/XXXX. My account was settled they issued a notice and release of claims. My loans were to be removed and I was to be paid a fee in exchange for not pursuing any further claims for damages. They were found guilty of fraud thereby violating the terms of the agreement rendering the contract no longer valid. Since then the company Sallie Mae transferred the old loans which were no longer valid to Navient who has now begun to harass me and reported to the credit agencies that I'm delinquent and they split it into 6 different accounts and this remains the status as of XX/XX/XXXX. The calls started in XX/XX/XXXX they pressured me into forbearance while I looked for the old paperwork to figure out the situation. They added on a bunch of fees and interest as well. The matter has already been litigated as I pointed out earlier. I have requested validation of the debt. I have demanded the original hand written promissory note signed between myself and Sallie Mae. I have also requested any and all documentation involving my loan to include the settlement documents from the previous litigation between Sallie Mae and the federal government in the state of California. They have not complied as I doubt they have any of the paperwork or they have it and are aware it proves the case of fraud against them.
Company Response: Closed with explanation

Timely Response

2019-04-17

Jupiter, FL

Incorrect information on your report

Student loan: Private student loan

Old information reappears or never goes away
Complaint: This account has already been paid based on a bankruptcy filing. It is no longer owing.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-17

DC

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: NAVIENT is intentionally delaying the approval of income-based payment plan application forcing me to repeatedly ask for administrative forbearance. After submitting my application electronically in XX/XX/2019 I was asked to provide proof of income which I did in XXXX. Then I was told it was missing a date which I included and resubmitted. After this was called several times to check on the status and I was told to just wait and that the proof of income I provided was sufficient. When I called today, XX/XX/2019 -- only four days away from the due date of an over {$600.00} payment ( which I can NOT pay ), they told me that I have to submit a signed letter stating my gross monthly income. The proof of income I previously submitted already has that information yet they ask for a letter and offer to push to payment due date or put me in forbearance for a third or fourth time. Even if I send in this letter, the processing time is 17 days which means it would be far beyond the payment due date by the time it is processed even if it is accepted. They did not ask me for a letter the previous two times and waited until I had no time left to force my hand into forbearance or a missed payment. I asked them where I can file a complaint but said there is no phone number for such a service. I also look online but no such page exists on their site.
Company Response: Closed with explanation

Timely Response

2019-04-17

GA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have had my loans in deferment for some time and then was scheduled to start making payments. I was making payments as much as I could but could not keep up with the payments for my XXXX degree when they were as much as my mortgage payment. I informed Navient that I was going back to school for the XXXX XXXX and they said I could defer the payments if my classes started before XX/XX/2018. I cant control when the classes start and it was conveniently too late to defer payments when the classes actually started. Navient offered to lower payments but would only do it if I provided my bank/credit card information to them so they could automatically withdraw payments. After learning of their lawsuit I was not comfortable with doing this. Now they have my loans in my credit report as a charge off and on a monthly basis report it as a late payment.
Company Response: Closed with explanation

Timely Response

2019-04-17

Lowell, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have been misled and misinformed about the forbearance and deferment of my Navient student loans. My original principles on my loans have SKYROCKETED from $ XXXX to $ XXXX and from {$8600.00} to $ XXXX. That's approx. {$11000.00} that has accrued on top of my original principal. I have been unemployed on and off for the better part of 5 years. I have notified Navient several times and have even applied for loan discharge and wasn't properly notified about how to best go about this. This is highway robbery in an already convoluted industry that is stealing students ' money who can not afford to repay their loans in an affordable or otherwise pragmatic manner.
Company Response: Closed with explanation

Timely Response

2019-04-17

NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Good Morning, I am filing a complaint with the consumer financial protection bureau against Navient, my student loan service provider. Since XX/XX/XXXX i have held a student loan with them. From XX/XX/XXXX to XX/XX/XXXX/XX/XX/XXXX I have made my payments on time every single month. Typically we mail in 2 checks in one envelope to cover the costs of the loan. For the past 12 1/2 years we haven't had a problem. All of a sudden the past 6-7 months, every time we send our checks into Navient they are being misapplied. They keep telling us we owe them money when we send in exactly what their requesting of us on the bill each month. Theres no way we ever owe them anything else. And every month I have been calling them when I get the bill to discuss this with them ( Ive talked to two managers and countless reps ) and theyve admitted to me that theyve misapplied the payments. One manager told me to start sending in the checks and denote each loan number and amount on the bottom of the checks ... we did that and they're still misapplying them and saying we owe them. Of course they blame it on their computers and never once human error or carelessness. And every time I call them, they end up readjusting/updating my account to reflect paid on time status because they admit that I did send in what i was supposed to, its just that they misapplied it. I am beyond tired of having to call them every month for an obvious scam they're trying run. They need to be sued and shut down. Id appreciate a response. Thank you Kindly, Sincerely, XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-17

Torrance, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Ive reached out to Navient the servicer of my student loan. Multiple times my accounts were switched to forbearance after calling navient why my accounts were being automatically switched without any notice. This has caused me to pay much more in interest to navient over the life of the loans. Navient has switched my accounts to forbearance multiple times without permission. When I try reaching out to Navient I have received multiple hang ups and the problem keeps occurring. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-04-16

Frazer, PA

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