Navient Solutions, LLC.

2019-04-14

Gainesville, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-04-14

IN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I went to school from XX/XX/XXXX -- XX/XX/XXXX. I went to XXXX school at XXXX XXXX in XXXX. The school cost was 11,000ish, and after the grants we was to repay 6000ish back.It was a 10 year loan. We started making payments in XXXX to sallie mae. We have never been delinquent, but we have had a financial hardships. We have had 6 months forbearance a few times through out the loan. I believe it was in XXXX navient took over the loan. So I was trying to talk to navient, and they kept referring to the loan starting in XXXX. I have tried to tell them over and over, no this loan started in XXXX. My records indicate that I have paid XXXX towards this loan. Navient says I have paid 12,000ish just since I have been with Navient. That is not including what I have paid Sallie Mae. I have asked them to squash this loan. I have paid XXXX for a XXXX student loan!!! Oh it gets better, they say I still owe XXXX on the loan!! You have got to be kidding me! they want me to continue paying my XXXX until EVER!!! When its all said and done, even if I had the XXXX in cash to pay now. I would have paid {$23000.00}. Thats if I paid it off now, and I cant. So if I continue, your are talking about $ 30000ish for a {$6000.00}!! i am the sole provider to XXXX children!! I now own my own business and 5 of those XXXX children no longer live at home! This is simply unjust! I have asked for all the original records and pay history, and no one knows where it is! I wont stop until I get answers and this loan forgiven!
Company Response: Closed with explanation

Timely Response

2019-04-14

NH

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
Complaint: I had reluctantly consolidated student loans in XXXX. At the time, the interest rates were extremely high, and remained the same throughout the entire loan. I have had extreme duress trying to keep up with simply keeping information current. Repayment options were vague at first, then in XXXX, I was seemingly forced into another loan ( closure of one, opening of another ) for better terms. During the process, I was assured my credit would not be affected negatively ( XXXX ) and prior to that, in XXXX, I had a defferment/forebearance that recently started showing negatively on my 'closed ' loan. Why all of the sudden the negative filing seems amiss. I filed a dispute with the three credit reporting agencies, the first to respond as XXXX, and in the response, it showed further supposed deliquencies ( XXXX ) then had been showing prior to my credit reporting dispute. While I do not agree with the practices of Sallie/Mae-Navient, it is a monopoly and I am driven by their policies and misreportings. My credit, is impeccible, aside from their mis-reportings and it is causing true duress to my current financial ability to prosper similar to those without Student Debt.
Company Response: Closed with explanation

Timely Response

2019-04-14

MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I had defaulted on my student loans in XXXX. I entered into a rehab program with Pioneer Credit Recovery. I have been making monthly payments faithfully. The agreement I signed with Pioneer promised that my federal tax refund would not be offset if I entered into a payment plan with Pioneer. They lied. In XXXX of XXXX, the IRS took my federal tax refund of about {$1600.00}. I contacted Pioneer and they told me the Dept of Education should not have taken my tax refund because I had entered into a payment plan and have been making payments. I tried calling the Dept of Education but they keep disconnecting my calls. I have sent both Pioneer and the Department of Education 2 Certified Letters requesting a refund and a hearing to dispute this offset. I have received no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-13

N Las Vegas, NV

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

2019-04-13

Alpha, NJ

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-04-13

Gainesville, VA

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-04-13

Dallas, TX

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have two co-signed loans with Navient since XXXX and XXXX. The loan I co-signed in XXXX is in the amount of {$15000.00} with a Current balance of {$24000.00} due to variable interest rate and the XXXX loan was for {$6200.00} with a current balance of {$6500.00} due to variable interest. The loans amount has significantly increased despite making agreed payments of {$260.00} for the XXXX loan and {$150.00} for the XXXX loans. Also, during the times my family and I faced financial hardship and were unable to make the minimum payment due to job loss in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My account was reported to credit bureau which negatively impacted my credit. I have been with Navient since XXXX and have even paid off a personal loan I borrowed. Have made timely payments for the loans I co-signed except for the months I was out of job and was not able to make payments. With the derogatory report on my credit, I am unable to get a home loan to move my kids to a better neighborhood and school. I have always paid my bills timely and feel I have been treated unfairly. Also, the interest rate keeps increasing making it impossible to pay off the loan. I offered sometime ago to negotiate a settlement due to this being a burden as I had just recently lost my job and the interest keeps increasing, the Navient customer service lady on the other side of the phone was rude and when I asked her to be nice, she told me that " her job was not be nice '' and when I reminded her she was on a recorded line she transferred me to a supervisor.
Company Response: Closed with explanation

Timely Response

2019-04-13

Arco, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: Hi, I kept getting contacted by this company claiming to be a loan servicing agency. They called themselves XXXX XXXX '. I talked to a guy named XXXX and a woman named XXXX. They went into great detail about my loans and how they could help. I ended up believing them and gave them all the information they would need including my social security number and bank routing and account number. They already pulled {$120.00} out of my account but I have canceled the request with my bank. What further steps would I need to take to ensure they can't take anymore, scam me, or move forward with identity fraud. This happened in XXXX, they claimed to be working with the Dept. of Ed. and their first withdraw from my account happened on XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-13

Milwaukee, WI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: Navient I submitted my income based repayment paperwork for Navient after they stated they didnt receive all of it. Once i did so, I received an email at XXXX that same day stating that my paperwork was revived. The young lady I spoke with stated that she would would move my payment date to XX/XX/XXXX to ensure that the paperwork had been completed she on XXXX end. Fast forward til today, Ive been charged {$850.00} dollars XX/XX/2019. I cant pay my rent or electrical bill. Whose gon na help me?
Company Response: Closed with explanation

Timely Response

2019-04-13

NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: This is a follow-up to a complaint previously submitted to the CFPB. This complaint is being submitted simultaneously to the CFPB and to the XXXX XXXX XXXX via XXXX. Navient 's response to my complaint is misleading and ignores critical facts, as set forth below. I submitted to Navient the request to enroll my new bank account in AutoPay on XX/XX/XXXX ( See Ex. D, attached ), confirmed by Navients XX/XX/XXXX email to me. ( This email serves as confirmation of your request to enroll the loans below in Auto Pay. ) My old bank account had been enrolled continually in AutoPay for more than sixteen years up to that date. Navient had ample time between XX/XX/XXXX, when I submitted this information, and XX/XX/XXXX, to finalize [ ] the enrollment. Indeed, as Navients XXXX email to me shows, this was Navients expectation, since that email explicitly stated that the Estimated Start Date for the new AutoPay arrangement was XXXXthe same day as the next payment due date. I reasonably relied on the representations in Navients XXXX XXXX email, and expected that the AutoPay payment would be made from the new account on XX/XX/XXXX. Navient says that it was unable to extract my XXXX. XXXX, XXXX payment from my new bank, but gives no excuse why this was so, twenty days after Navient acknowledges I had furnished it with the information necessary for it take the payment. Any consequence of Navients unexcused delay in setting up AutoPaya delay Navient never bothered to report to memust fall upon Navient. Put another way, Navients statement that the account must be current is misleading. If the account was not current, it was because of Navients failure to timely set up AutoPay for the new bank when it had been given 20 days to do so. ( My mortgage servicer, to give one example, was able to activate my autopay capability with the same new bank within 24 hours of my request. ) At no time did Navient advise me that there was any difficulty in setting up the new AutoPay arrangements. Accordingly, the putative Administrative Forebearance was unlawfully imposed. I do not owe it, nor do I owe any expenses that flow from it. The arguments that Navient makes in its response about capitalizing interest, since they ignore Navients own responsibility for the delay in setting up AutoPay, are irrelevant. It also follows from these facts that my account was never past due, as Navient asserts. Even if these facts were not dispositive ( they are ), Navient also assured me through its customer service representative, on a recorded line, that my XX/XX/XXXX payment would constitute timely payment for XXXX, and that my monthly payment going forward would be readjusted to the proper {$230.00}. Navients failure to honor this commitment would, on its own, constitute an unlawful unfair, deceptive, or abusive act under Sections 1031 and 1036 of the Dodd-Frank Act. I invite Navient to review the recording, and the law.
Company Response: Closed with explanation

Timely Response

2019-04-13

South Florida, FL

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: Hi, My name is XXXX and I have a problem with my private student loan. I have a hard time to find a good time job with benefits. Please let me know what are my options? I need to find a full time job with benefits and I only get jobs with the employment agencies. I need to find an stable job and it has been hard for me. I am in the process of bankruptcy and I dont have money to pay for anything.
Company Response: Closed with explanation

Timely Response

2019-04-13

Philadelphia, PA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I refinanced my student loans through another company. Navient overpaid my the balance on some loans and underpaid others. When my monthly bill was due they took the normal autopay amount of {$1100.00} out of my account even though the outstanding balance on my loans was ~ {$300.00} ( and the net was even less ). They told me they would refund the balance within 72hrs. That was over a week ago and instead of satisfying the loans in full, each loan has a negative balance. Now Navient is sending me monthly billing reminders as if they are going to charge me again.
Company Response: Closed with explanation

Timely Response

2019-04-12

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

2019-04-12

Phoenix, AZ

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

2019-04-12

MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I am a veteran of the MA XXXX XXXX XXXX. When I first enlisted in XX/XX/XXXX I had in my military contract that I was part of the XXXX 's student loan repayment program. From XX/XX/XXXX-XX/XX/XXXX, all military contracts had the student loan repayment program in them. Over the span of 4 years I have done my part. I have filled out correct forms and documentation needed for the XXXX AND my student loan company to take over my student loans. For the past 3 years I have not been sent any documentation from my student loan company that this is being taken care of. According to a phone call on XX/XX/XXXX my student loan debt is now with a collection agency that I had to ask the name and contact information for because I have not been sent any paperwork or information. Every time I contact my student loan company I get the same response. They need paperwork stating my dates of service in the XXXX XXXX XXXX. I have sent over multiple forms, multiple times stating my dates of service and that I am entitled to have the XXXX pay off my loans because that is what was in my contract. I keep getting the runaround from my student loans. I know Navient ( formerly Sallie Mae ) is undergoing a class action lawsuit because of things they have done to their borrowers. They are not acting in favor of me, the borrower and creating obstacles for me. I have all documentation that they have requested. Including dates of military service and my military contract stating I have the XXXX 's student loan repayment program in my contract with the military. A veteran should not have to be struggling so hard with something like this. It is unforgivable.
Company Response: Closed with explanation

Timely Response

2019-04-12

WI

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: I am on a mission to find help and relief from Navient ( sallie mae ). I was recruited to XXXX XXXX XXXX in 2007. The day I signed the papers for that loan was the day I fell I signed my life away to a prison sentence. I have been harassed. I have been bullied by the companies. They fear mongered. I am not trying to get money. I want freedom from this loan that keeps growing even though I have paid. The interest rate keeps going up. The school is closed. I see people allllll around being relieved ... why can't i? I can not find anyone to help me. Can you help me? Please? I am fighting sooooo hard to better my life.
Company Response: Closed with explanation

Timely Response

2019-04-12

Wesley Chapel, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX XXXX SHOWING AN LOAN ON MY XXXX, XXXX AND XXXX THAT IS NOT MINE
Company Response: Closed with explanation

Timely Response

2019-04-12

Alachua, FL

Incorrect information on your report

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

Account status incorrect
Complaint: My husband and I are attempting to build a home. In the process of applying for a mortgage using my VA benefits, we were informed on XX/XX/XXXX that I did not qualify due to late payments reported by Navient. XX/XX/XXXX I applied for a year forbearance. I was a stay at home mom with no income and my husband was on XXXX XXXX for the XXXX. I spoke with someone over the phone and was assured I would have my forbearance started. XX/XX/XXXX I became pregnant with our second child and was put on bedrest intermittently due to a severe clotting disorder and hyperemesis. I again contacted Navient to verify that the forbearance was in effect and was told it was. I was very upset when I found out that XX/XX/XXXX and XX/XX/XXXX were reported as missed payments. I reached out to Navient 's customer advocate with the information and screenshots and was sent a template response stating to contact the individual consumer reporting agency to remove the information in question. I also discovered today that I do not have access to any documents from before XX/XX/XXXXon the Navient portal.
Company Response: Closed with explanation

Timely Response

2019-04-12

Naperville, 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

2019-04-12

Boston, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: As a parent, I owe approximately {$52.00}, XXXX on a parent loan I took out for my daughter .Each month - well before the due date - I have consistently paid {$100.00} over the XXXX balance and interest due and each month I have instructed Sallie Mae and now Navient as the successor-in-interest- in writing to apply the additional {$100.00} to pay down the principal. Navient has consistently ignored my written instructions and applied the additional {$100.00} either to to the next month 's payment, or to interest rather than principa, l thus illegally exacting additional interest on the existing principal due. In addition, Navient has regularly sent me notices purporting to inform me that my payments are late, notwithstanding my bank statements that show the date of receipt and deposit well before the due date and despite my having sent the check with instructions through the U.S. Mail. ( I believe that Navient is trying to force me and other consumers to remit payment on line rather than by mail to reduce its overhead ) Representatives of Navient have been utterly non-responsive to my complaints and denied the applicability of the mail box rule. The evidence suggests that Navient 's conduct -multiplied my millions of similarly-situated individuals such as me - is engaged in consumer fraud on a massive scale.
Company Response: Closed with explanation

Timely Response

2019-04-12

Indianapolis, IN

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: I received a loan from Sallie Mae to attend XXXX XXXX XXXX XXXX XXXX. Before getting the loan I spoke to the school and advised them that I had XXXX and was not sure that I could attend as I would not be able to go to the campus very often or easily. XXXX XXXX assured me that this would not be an issue. The total loan amount I received from Sallie May totaled to around {$25000.00}. While attending the school I was also dealing with my medical condition and also working full-time. Without warning I was kicked out of the school from not being on the campus enough per week. I attempted to reconcile this with the school with no success. As I was paying on the student loan I noticed that none of the loan amount was ever refunded back to Sallie Mae. There were several courses, text books, and certification exam vouchers that I paid for with the loan, and I never received these materials from the school. I attempted to contact Sallie Mae to see if there was anything they could do with the school to have them return the remaining money for courses and materials that I did not use or receive and they would only advise me to contact the school. The loan servicer eventually changed to Navient. I kept repeating the process of attempting to have money returned to the loan servicer or for me to receive the materials and courses that I was not allowed to get from the school kicking me out. I still have not been able to get any progress on this. I don't feel I should have to pay the full loan amount for services or books/exam vouchers that I did not receive. Now, several years later Navient is not sending me any mail or anything regarding my student loan and am not able to make payments. It is listed as closed on my credit report but they are still reporting late payments on the account and it is still accuring interest.
Company Response: Closed with explanation

Timely Response

2019-04-12

Bradley International, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Here 's a wish from a " XXXX XXXX XXXX XXXX. '' Dear Madam or Sir at CFPB, Please help me relay this message to Mr XXXX, Mr XXXX, Mr. XXXX, Mr. XXXX, and Mr XXXX ( and others ), who are all intelligent human beings leading innovation and reform. I'm sure Mr XXXX XXXX would have agreed that with their combined IQs, surely they could help to figure something out. After all, what is a country if not a company, and its citizens if not employees sharing our patriotical and patriarchal leaders and billionaires values and goals! I am a long standing customer of SallieMae/NAVIENT Solutions ( XX/XX/XXXX - XX/XX/XXXX ), the XXXX XXXX XXXX : http : //www.navient.com. I'm trying to be more vocal on different platforms but moderators are constantly deleting my accounts and posts. I get there are rules and regulations, but where else can anyone be heard without being silenced or prosecuted? In efforts to drive their stock prices high and keep their shareholders happy, their qualified employees knowingly gave me and countless others bad advice. They placed me in forbearance 's and deferments when they should have offered me and others solutions such as IBR plans and PSLF. This did not help me whatsoever and now they are spamming my phone to get me on their side, and if they are left unchecked, " help '' me and others into more debt : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company and its subsidiaries are operating in bad faith ( if you are religious ) and doing more harm than helping. I can be naive and hope that everyone is working hard to do and be their best, but how can anyone protest against a group of individuals that only answer to money, and backed with unlimited resources? Should I not encourage others to sell everything ( ETFs, mutual funds, etc.. ) that Navient and its subsidiaries are associated with to fix a broken system? If this was proposed to others in my situation, they would rally and help this company 's stocks to 0.000000000 to help this bully just as much as it's " helped '' them. Reform in the only language it understands, $ $ $!!! Please help me convey this message to other and all social media before it gets more out of control. Make an example of NAVIENT. Their shareholders and employees should feel the pain of their AMERICAN CITIZENS ( emotional distress and duress ) and ensure millenials don't die before their parents! Over dramatic? Mr XXXX resigned in protest for a reason. This is the greatest country on earth yet where is the Justice in all of this? If this country expects us to be the best, then to help everyone, this is what millions of American citizens in my situation would call the ULTIMATE PUBLIC SERVICE AND LOAN FORGIVENESS ( PSLF ) program. The BEST for EVERYONE, but at the end of the day we want more MONEY, not justice, fairness or inequality. " Hippocratic school : " Practice two things in your dealings with disease : either help or do not harm.. '' - I would rather you help, because one good deed rewards another! In fact, this can help spread an important message of helping 3 other people, and passing it on, instead of saying ... Thank you!
Company Response: Closed with explanation

Timely Response

2019-04-12

Warrenton, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: So I recertified my income driven repayment plan in XX/XX/XXXX as always. It was repaye. However, since I had gotten married in XX/XX/XXXX I was worried about my monthly payment increasing. After some research I decided that it would be best to switch my repayment plan from repaye to paye as I had planned on filing married but separate next year. So after 2 phone calls to navient I finally got the application completed that stated I want switch repayment plans ( which later a navient supervisor XXXX said I filled out perfect ). Almost a month goes by and my plan doesnt change. So I call in and the rep is dumbfounded. She talks to processing and they say I need to fill out another application but pick recalculate instead of change my repayment plan even tho I want to change my plan. I wasnt gon na do it just wait til recertification but then I figured Id do it and avoid the headache. So I do it and wait. In meantime tax deadline is coming so my wife and I file married but separate as planned. Check navient and still on the same repaye plan despite reps making note that I want switched to paye. So I call navient again and explain everything and the rep refuses to understand that I want to switch to paye so that my wifes income is not accounted into my monthly payment. She even put me on hold to look up the difference in the plans! Then tried to explain interest benefits and I got frustrated and asked for a supervisor. When finally transferred XXXX reviewed my case, said my initial change plan app should have been accepted. However since they mislead me and me fill out the recalculate app I had to yet again fill out a change my plan app. This XXXX me off because I was forced to use and upload a tax return that I did not want to yet, I wanted to switch plans with my single income then recertify under paye married but separate. I am still awaiting for the switch. Ridiculous. Also their staff should know the plans I shouldnt have to give references when I call. Amateur hour.
Company Response: Closed with explanation

Timely Response

2019-04-12

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I called Navient to change the repayment plan to extended ; instead, Navient told me to sign for auto-debiting. Additionally, this loan was sold//transfered from SallieMae XXXX to NAVIENT XXXX XXXX XXXX. The replies from Sallie Mae XXXXXXXX and Navient were misleading. Interest rate was increased from 6 % to 11 %.
Company Response: Closed with explanation

Timely Response