Navient Solutions, LLC.

2019-04-11

Norman, OK

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

2019-04-11

Edenton, NC

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: On XXXX the XXXX 2019 I filed a complaint with the XXXX XXXX XXXX because I recently became activated to XXXX XXXX but because I was not overseas and I am XXXX XXXX. They denied my XXXX, and now I am left with a XXXX plus payment that can not afford it at the moment. While waiting on them to approve my request the interest was steady building. They sent me a letter stating that they will not honor my XXXX for XXXX because it is in the United States. I will not be on these orders forever. Once I complete these orders, I will be back unemployed and won't be able to make my payments. I have attached all documents as proof.
Company Response: Closed with explanation

Timely Response

2019-04-11

Rawsonville, MI

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-04-11

Galena, OH

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I do not have record of every transaction over the past 8 years but Sallie Mae and Navient are wrong every single time. I continually speak with them on the phone and I receive inconsistent information regarding my loans. They ask for money, I give it to them if I can, they will tell me I am current until next month. Usually a couple of days later they call and ask for more money. I am not sure if this is a commission based job as debt collectors and it benefits them to deceit others in this way but it happens often, and if they are not calling me they are calling my co-signers at the same rate. I went to school in the college of XXXX and passed all of my XXXX, XXXX, and XXXX classes with flying colors usually leading a study group helping other to pass the classes ; point being, I have an understanding loans but I have never known my own personal lending situation ever in the past 8 years. I give them well over 2/3 of my income most years and my principle balance keeps going up every year as well.
Company Response: Closed with explanation

Timely Response

2019-04-11

Union City, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response

2019-04-11

Noblesville, IN

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: Family members were contacted to get ahold of me. Information was used that is not listed on my account an a non company phone number was listed as the call back for Navient.
Company Response: Closed with explanation

Timely Response

2019-04-11

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

2019-04-11

Laurel, MD

Incorrect information on your report

Student loan: Private student loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-04-11

Galena, OH

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-04-11

FL

Incorrect information on your report

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

Account status incorrect
Complaint: My first interaction with my loan servicer was a phone call in regards to a drop in my credit score due to a missed payment ( which was my very first payment ). I was in school less than half time as I was unaware my repayment period had begun. I had no knowledge of the repayment period and was not contacted by Navient. My phone number has been the same for 12 years but I did not receive a phone call in regards to repayment. They did not have my current mailing address on file, which I had explained to the representative on the phone I had moved recently. I was told nothing could be done. Another issue I have experienced is the understanding of repayment. My loan servicer placed me on a repayment that was extremely high. I explained that the payments were too high for me to afford, as I now incur a very high-interest rate because of this discrepancy on my credit. I sent in a letter requesting this discrepancy be removed since I had no knowledge of repayment ( sent on XX/XX/XXXX ). My contact information had not been updated, phone number nor address. I had not received any contact back in the 30 days that they have received the letter nor their decision in the matter. I was told by the first representative that my loans would be in forbearance until XXXX so I could submit the application for income-driven repayment. I uploaded proof of income as well as Income-driven repayment application ( I completed on XX/XX/XXXX ). I called back a second time on XX/XX/XXXX to affirm my documents have been received. I then again was assured that my repayment period was in XXXX. I received email " snapshots of my monthly statement '' stating that my repayment was XX/XX/XXXX. On XX/XX/XXXX I see my credit has dropped XXXX points due to a remark " Payment deferment '' being removed from my credit report. I called Navient ( on XX/XX/XXXX ) to find out why forbearance has been removed from my account when I was told by two representatives XXXX would be repayment period would begin. The representative hung up after I claimed I was misinformed twice by two different representatives. I called back and was told that there was no evidence as to my repayment beginning in XXXX. I was told that the repayment period was actually in XXXX and that is all they could provide. I was never told/emailed any due date regarding XXXX. I proceeded to ask for the call recordings as I feel my loan servicer is being deceitful and unclear regarding due dates. I feel that I am being misled, misinformed, and taken advantage of by my loan servicer. I now incur very high-interest rates due to the missed payments from Navient. I wish to have clarity and transparency into the repayment period. I will attach the emails received from Navient stating my repayment due date was in XXXX. I will also attach evidence from my Navient account stating my due date is XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-11

MN

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: I refinanced my federal loans for XXXX school through college student loans/Navient. It was my understanding that my loans are still tax deductible but Navient refuses to provide the needed tax forms. They state my account in ineligible. In order for them to review they are sending me a form, which will take 24 hours as they are unable to send emails out directly. I then need to complete the form and mail it back. All the form says is my name and address and that I am disputing their belief that my loan is not tax deductible. They will then review and respond and will try to expedite it. There are no direct phone numbers, they say their team doesn't take them. It felt as if they were trained to avoid any work/progress on this. Are they trying to increase tax liability? Decrease their expenses? Poor customer service at a minimum, shady and illegal potentially?
Company Response: Closed with explanation

Timely Response

2019-04-11

Watkins, CO

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Have struggled to repay private student loans with Navient. I have been on Social Security XXXX and have had extraordinary medical expenses and loss of income due to health issues. The payment plan I was on was discontinued because of a technicality because I did not call Navient to continue the repayment program so the lower interest / lower payment program was discontinued and the payment went from $ XXXX month to $ XXXXmonth. Additionally, all of the interest during the term of that program was set at 1.5 % but when the program was discontinued, the typical interest rate of 12 % was recapitalized back into the loan inflating the balance of the loan. I have repeatedly told Navient that I can not afford {$1700.00} /month payment but they will not change the payment plan and tell me they will continue to advance the loans to default. The original principle balance of these private student is a fraction of the current principle / recapitalization interest balance. I am recovering my health and Navient offered and setup a repayment plan that would lower the monthly rate to an affordable rate of 1.5 % but after setting up the repayment program and payment plan, Navient said a few days later that the program was not actually approved and they wanted additional private family information. I am willing to pay these student loans under the 1.5 % interest rate and payment of $ XXXXmonth that was offered and actually setup in their system but the Navient manager said it was discretionary whether they approved anyone for this repayment program. This sounds like a practice of disparate treatment ... the program is available but Navient evidently wants to maximize their $ income ... without regard for individual privacy. During one of my earlier discussions with a lower level Navient representatives he said that Navient was just one big credit card company that would do anything to collect payments and increase corporate funding. Lastly, the representative confided to me that Navient has been actively selling loans to 3rd party collection agencies ever since the CFPB and other State Attorneys offices filed lawsuits against their predatory loan and serving practices.
Company Response: Closed with explanation

Timely Response

2019-04-11

Cheshire, OR

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt is not yours
Complaint: For several months I have been receiving periodic phone calls, sometimes daily, from someone at Navient Solutions LLC, a student loan servicing company, about someone else 's student loans. I am XXXX years old. I do not now and never have had a student loan. The Navient caller is calling my phone number, but asking for someone else by name with an offer of assistance on the loan. Today the caller was calling for XXXX XXXX. I could not understand the caller 's name, which is often the case with these calls. Sometimes the caller is a native English speaker, sometimes a non-native speaker. Today 's caller was a native English speaker. The caller also cited an email sent to XXXX XXXX on XX/XX/XXXX with the same offer, and I could not understand the email address given. The calls are always for a different person. The caller leaves a call-back number, which is different from the one the caller calls from. Today 's call-back number was XXXX. I tried calling the call-back numbers before I couldn't through to anyone who understood I didn't have a student loan. I called the Navient number just now and was connected with a person who apologized and said he could remove my phone number. I'll give it a little time and see if it works.
Company Response: Closed with explanation

Timely Response

2019-04-11

Washington, DC

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Today, XX/XX/XXXX, I initiated the process to get an income based repayment plan for my student loans, which are being serviced by Navient. I first went to studentloans.gov to fill out the information as to which repayment plans I qualify for. I found out through the website, unsurprisingly, that I qualified for the PAYE and REPAYE payment plans since all of my loans are federal student loans acquired through the Departement of Education. I proceeded to download and complete the Income Based Repayment Form ( since for some reason the website could not access my IRS information electronically ) and prepared the documentation I would use to verify my income ( which is my IRS tax return for XX/XX/XXXX). I proceeded to go to Navient 's website to upload this documentation and to start my application for an income based repayment plan. I followed the relevant links and I went to the page where I have to fill the information needed for this application. It had more or less the same questions I filled out in studentloans.gov with the exception that they also ask for my Gross Pay on top of my Adjusted Gross Pay. When I finish filling out the information, I receive a notification that I do not qualify for ANY repayment option. This was very confusing for me since, as I've stated, all my loans are federal loans and studentloans.gov arrived at a completely different conclusion with the same information. I proceeded to call Navient at XXXX to find out why they reached they're conclusion. I told the representative about the fact that I was surprised that they said that I didn't qualify for any income repayment plan while studentloans.gov said that I did and that I still uploaded the Income-Based Repayment Plan Application along with my XXXX IRS Tax document. She proceeded to tell me that they actually could not see the information contained in my documentation till 24-48 hours and that they will take 17 business days to process my application. I CANT BELIEVE THAT THEY FIRST TELL EVERYONE THAT THEY DO NOT QUALIFY FOR ANYTHING WHEN THEY ACTUALLY HAVE A WHOLE DIFFERENT PROCESS FOR APPLYING FOR AN INCOME BASED REPAYMENT PLAN. Furthermore, they have unnecessarily long processing times that actually run out the clock on any grace period one has before starting to pay one 's student loans. To everyone that counted on having an income based repayment plan when they took out a student loan, you need to first go to studentloans.gov to educate yourself on what your options and rights are. Navient will first lie to you about what you will qualify for without even looking at the information you submitted. They will also stall and delay as much as they can in order to force you to make unnecessarily high payments.
Company Response: Closed with explanation

Timely Response

2019-04-11

North Hollywood, CA

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: Excessive amount of repeated phone calls, and phone calls past hours.
Company Response: Closed with explanation

Timely Response

2019-04-11

IL

Incorrect information on your report

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

Account information incorrect
Complaint: Navient is listing loans not taken out with them, showing incorrect balances. All loans were with Sallie Mae, which split to Navient in 2014 ; however both Sallie Mae and Navient list the same loans, therefore each loan listed twice on credit report, once as Sallie Mae and once as Navient. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. Navient updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. Navient is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.
Company Response: Closed with explanation

Timely Response

2019-04-11

Belleville, NJ

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-04-10

Montevallo, AL

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

2019-04-10

Lake Balboa, CA

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2019-04-10

Charlotte, NC

Getting a loan

Student loan: Private student loan

Confusing or misleading advertising
Company Response: Closed with explanation

Timely Response

2019-04-10

Center Moreland, PA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-04-10

Tujunga, CA

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was result of identity theft
Complaint: Complaint to the FTC / CFPB Re : Complaint # XXXX-XXXX, and XXXX-XXXX Re : XXXX XXXXSallie Mae-NavientXXXX XXXX Eccl : 5 PDFs ( included with the online submission ) XX/XX/XXXX To whom it may concern : On XX/XX/XXXX ( very early ), wanting to just solve this, I sent my statement to you using my bad English that had errors, and scans that I now realize were unreadable. I apologize for that. The help Ive received since then is reflected in this submission. Im sorry for any inconvenience I may have caused you. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am an identity theft victim by the hand of my nephew, XXXX XXXX who illicitly got 5 student loans in XXXX & XXXX from his law school : XXXX XXXX XXXX, in California ( presently owing around {$65000.00} with accrued interest ) to Navient. I immigrated to America from XXXX XXXX when I was young ( in my mid-twenties ) and lived in my sister 's house for around 6 years ( XXXX XXXX XXXX, XXXX, CA ). Because my sister helped me to stay in the USA, I helped my sisters family by co-signing for their cars when they asked for help because of their bad credit. From that access, XXXX stole my ID and forged my signature to get his 5 student loans from XXXX XXXX XXXX and lied on all 5 of his 5 loan applications listing his mom 's business as my job, and her residential address and her phone number as mine. XXXX XXXX forged my signatures on all 5 of his loan applications, and on two of them, got my birthdate wrong. Anyone who desires to look can easily see that the signatures on the documents are not mine. Sally Mae, however ( now Navient ), preferred to believe a highly trained smooth talking professional liar/lawyer over the evidence which I presented several times, probably because my English was so bad, and my emotions were so high. Heres the evidence I sent them : 1 ) Two police reports plus one additional supplemental police report 2 ) A copy of my rental agreement proves that I was living at XXXX XXXX XXXX, in XXXX XXXX from XXXX through early XXXX ( not what XXXX wrote, XXXX XXXX XXXX, XXXX on his loan application forms ). Please note that the attached rental agreement copy is for the same time period that XXXX XXXX forged the loan applications. XXXX XXXX a XXXX in XXXX XXXX, was the owner of the rental property, you may verify this with him. 3 ) Notarized copies of my signature, contemporary with the forgeries, show how different my signature was from his forgery. 4 ) My credit history, which XXXX added to ( altered ) during XX/XX/XXXX-XX/XX/XXXX. He added his XXXX middle name, his old phone numbers & address in XXXX and XXXX to cover his tracks to make it look like it was mine on my credit history. ( This is a lawyer who weaponized his knowledge against his victim ). 5 ) Also, I was a XXXX XXXX XXXX at XXXX - I was not working, but XXXX XXXX wrote that I was working for his moms company making {$7000.00} a month on his 5 loan applications. To verify this, you may check my IRS records, and my XXXX school records. Ignoring all this evidence, Navient has continued to pursue me from XXXX to the present. XXXX stopped making monthly payments when the 10-year statute of limitations ran out, which I knew nothing about. Thats when XXXX, the lawyer, purposely defaulted on his loans, knowing that I could no longer pursue him criminally. I learned this later from another lawyer. Ignoring all this evidence, Navient has continued to pursue me from XXXX to the present. Thats when XXXX, the lawyer, purposely defaulted on his loans, knowing that I could no longer pursue him criminally. I learned this later from another lawyer.
Company Response: Closed with explanation

Timely Response

2019-04-10

Finksburg, MD

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: Navient has been leading me into multiple forbearance instead of letting me process a simple income driven plan. My interest has driven the cost of my loans UP {$3000.00} this year ALONE! I called XX/XX/XXXX, XX/XX/XXXX I was told to renew my XXXX plan. I told to wait oh, and I heard nothing for three months. After that. Of time in XX/XX/XXXX I was offered a forbearance. then, after 1 month when I called back after seeing navient raise the principal {$300.00}, they offered me a 3-month forbearance. This year the loan value will increase again over {$1500.00}. This is predatory and unforgivable. I can not sustain an expanding debt. Please XXXX, help me.
Company Response: Closed with explanation

Timely Response

2019-04-10

South Chatham, MA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-04-10

MA

Incorrect information on your report

Student loan: Private student loan

Account status incorrect
Complaint: We have made numerous attempts with Navient to set up affordable payment arrangements in XXXX that were all denied because the amount was not sufficient for them to accept and they were aware that the payments were unaffordable, was told that various items that we had by one of their agents were " luxury '' items ( such as a vehicle to get to work ). Account was sent to a collection agency, struggled to make {$250.00} a month payments which were supposed to help our credit, they were still reporting the loans as delinquent and not reporting the agreed upon amounts of the loans. Those payments were stopped after one year because they were, again, not affordable and were affecting our ability to pay our monthly rent payment. We were once again connected by yet another credit collection agency in XXXX and we advised them of the previous attempts with Navient to pay something toward the loans and nothing was ever received back from that agency nor Navient. Navient is reporting the loans as Closed and Charged off but still reporting them as being delinquent. If the loans are truly charged off, I would like them to stop being reported as delinquent and the amounts reduced to zero. We would be willing to make monthly payments, however, it would be an amount that we would feel comfortable in paying for a specific period of time and that Navient would need to report them as being current at the agreed upon amount.
Company Response: Closed with explanation

Timely Response