Navient Solutions, LLC.

2019-04-10

Ocklawaha, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Throughout the academic years of XXXX I took out a federal loan at but noticed over time that there were other loans placed on my account that I never accepted nor received dispersement from the institution.
Company Response: Closed with explanation

Timely Response

2019-04-10

Lk Buena Vis, FL

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: There is an alleged lawsuit against XXXX which it states that they along with Navient ignored borrowers best interests in violation of its government contract to prevent borrowers from moving to XXXX XXXX the student loan servicer that administers the Public Service Loan Forgiveness program ), so that Navient could continue to earn fees. I have contacted the department of education which says XXXX is the company assigned to deal with this account. I spoke to them and they disregarded several critical questions and did try to attempt to offer me loan forgiveness when the account information is not accurate My income tax was offset which this company was given this money when I called to complain about they gave me a contact number with department of education and when contacting them in was referred back to them getting the run around
Company Response: Closed with explanation

Timely Response

2019-04-10

Neotsu, OR

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I contacted my loan servicer, Navient, regarding the Deferment for Active XXXX Treatment Act ( as signed into law Sept 2018 ). I was diagnosed with XXXX XXXX in XX/XX/2018, and only recently learned of this provision which allows borrowers currently receiving XXXX treatment to have their student loans placed in deferment. I contacted Navient on XX/XX/XXXX to discuss this option. I was told initially that no such program existed, but after insisting, was then told that Navient has no application in place for this " since it is so new '' and therefore I can not qualify at this time. After further insisting, I was told that they could place my loan into temporary forbearance until such time as the " federal government '' makes an application available. If I understand correctly, while my loan payments are now suspended, Navient is continuing to charge interest on my loans ( while under the deferment this would not be the case ).
Company Response: Closed with explanation

Timely Response

2019-04-10

Lk Buena Vis, FL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I am filing a complaint with the lender XXXX XXXX. for its unlawful tactics and hiding information from me as the borrower. I have made payments the best to my ability and advised them what i could afford. Every time i call for a income based program or forbearance i get told there is nothing they can do there are no options and that i have to continue making my payments. At that point i have made the same payments every month that i could at {$200.00}. The payments jacked up to {$900.00} per month and the payment system blocked any payments that were not the full amount of {$900.00}. They then call my step sister who is the cosigner and myself and family making threats they will get me fired from my job since i work in the XXXX system, they threatened that i would have my wages garnished as well as threatened my step sister advising they will have her children taken away from her. Now if i recall those tactics are unlawful and illegal to try and extort a customer for a payment.
Company Response: Closed with explanation

Timely Response

2019-04-10

Moapa, NV

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I believe I was deceived by Navient with repayment of my student loans, specifically private loans. I have notes of some of my struggle with Navient. My struggles started around XXXX when Navient was still XXXX XXXX. I was trying to find a way to get into a manageable payment plan and was directed into paying for a forbearance a couple of times ; I believe I paid {$50.00} the first time and then another was {$150.00}. I was then put in a payment plan. However, when Navient took over my payments they started to misapply the payment and some loans that were originally in the payment plan were no longer included. I have first names, specific dates, and some details of my contacts with Navient. I also have notes that some of my payments were misapplied. There's also an instance in XX/XX/2017 where payments were deducted from my bank account incorrectly which incurred overdraft fees. While Navient reversed these charges, they did not refund the overdraft fees that resulted in their mistake, despite the proof I sent them. I believe I was mislead and misinformed regarding my payment options.
Company Response: Closed with monetary relief

Timely Response

2019-04-10

IA

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: I started making payments to Sallie Mae ie now Navient when I graduated with my first XXXX degree. There were several " double payments '' that they claimed they could not refund me since it was already attached to my loan. Then I went back to school for a second XXXX degree to which i continually made payments through a payment plan. But it was starting to get to much for me having to pay $ XXXX a month to just them and needing to pay for school, home, food, gas, etc so I had to work two full-time jobs and two part-time jobs due to not being able to make ends meet. I graduated with my second XXXX degree and got accepted into graduate school. I called Navient since they refused to defer while I was going for my second XXXX degree I thought they would defer for my XXXX program. They told me that my XXXX program at XXXX University does not qualify since it is not XXXX or XXXX program when all my other student loans private and federal have deferred my loans being still in school. So they told me my only other option is to apply for forbearance which is {$150.00} but it does not guarantee forbearance so I wouldn't be given back the money if I don't qualify. I told them I understood and they told me I had a total of three years of forbearance. I worked on financial sheet and figured that out that by then I could make the $ XXXX payments a month again. It would give me time to be secure and safe. After doing the forbearance three times ( total of 18 months ) I was told that I no longer can apply for them and need to start paying on the loan. At first I was able to sign up for a replayment plan but they kept double taking out of my bank account to which I had to close that bank account due to them continually taking out extra money than what I agreed to do. They claim that they weren't taking any extra money! And when that repayment plan " expired '' they were making me pay almost {$700.00} a month for loan repayment ( {$680.00} to be exact ) denying me any service or benefit help. Finally I was able to talk with a nice worker who understood my situation and did a financial sheet with me and my co-signer noticing that there was no way I could afford that unless I was homeless and didn't eat. She set up a payment plan with me that on the XX/XX/XXXX of every month I would pay {$220.00} through XX/XX/XXXX. I agreed to the terms but she needed to take out the payment within ten days of us approving it so the first payment had to come out on XX/XX/XXXX. I told her that was fine. So on the XX/XX/XXXXof every month since they have taken out {$220.00} from my bank account. But apparently for the past three months they have been harassing my mom, my co-signer, with phone calls claiming I am not paying my payments and now just recently are harassing me with emails and stating that I am past due and making all these charges and extra fees. What can I do? They have caused me emotional, physical and psychological stress due to not being to pay for groceries or being late on rent and the constant harassing and scaring me about money and going to jail. What can I do? I have tried to seriously just get a loan for {$36000.00} just so I can pay someone else and not have to deal with them but with all my student debt and other credit history I do not qualify by myself.
Company Response: Closed with explanation

Timely Response

2019-04-10

Cleveland, OH

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-04-10

Temperanceville, VA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I have switched over to an income driven program and have been making all payments on time but Navient keeps switching me back to forbearance.
Company Response: Closed with explanation

Timely Response

2019-04-09

Belton, MO

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

2019-04-09

Keizer, OR

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

2019-04-09

TX

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: During the time period of XXXX, at age XXXX, I took out an educational loan from Sallie Mae, which is now Navient. The original amount borrowed was {$16000.00}. I used this money for various educational purposes on my way to earning an XXXX XXXX degree from XXXX XXXX XXXX, a XXXX XXXX degree from the XXXX XXXX XXXX at XXXX, as well as a XXXX XXXX degree from the XXXX XXXX XXXX at XXXX. With my continuing education, my financial aid added up quickly. While I was attending school and in repayment status, Navient made it very difficult to work out a solution to my repayment needs. Early in the process, the customer service department at Navient continued to have me file deferments and forbearances, only to sink myself deeper in debt with no real relief in sight. After years of payments, they allowed me to create a situation where the monthly payments no longer covered the interest and service fees that were being added on monthly. As I graduated college and began working as a teacher, Navient never once guided me toward teacher loan forgiveness plans or public servant aid that was available. They never suggested any plan to where I was on the road to consecutive payment forgiveness or a process to reduce my overall financial aid debt. Due to their negligence and misleading endeavors, the original loan amount of {$16000.00} had ballooned out of control to nearly {$36000.00}. In XX/XX/2016, due to the death of my parents, I inherited a fairly large sum of money. A major goal was to get my finances in order so that I could be debt free. When I called to try to settle my account, no one at Navient would allow me to do so. After getting forwarded to different managers and specialists, over a number of frustrating weeks, I was sent to a group that even told me settling for {$25000.00} would not get my debt resolved. Again, it was never suggested or advised by anyone that I should enter a monthly plan so that the debts could be forgiven due to consecutive years of payments or because of my employment as an educator. Finally, they called me back with a settlement offer of {$31000.00} ( roughly 85 % of my overall debt ). They told me that this had to be paid in one lump sum and was non-negotiable. The way the interest was accumulating monthly, Navient representatives made this seem like it was the best course of action. So, reluctantly, I paid them {$31000.00} because they advised that this was the only way to keep interest from accruing. XXXX I reiterate, there was no mentioning of the various plans of assistance available to me. I am hoping to have this amount forgiven toward the remainder of my loans or paid back to me by Navient for their misguided & corrupt practices.
Company Response: Closed with explanation

Timely Response

2019-04-09

Oak Grove, MO

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: My main issue is this loan was taken out when I was XXXX old. I'm now XXXX years old in XXXX. I just paid off my original loan amount of {$10000.00} last year. When I paid this loan off in XXXX, I still had a balance of {$7000.00}. I would still be paying for this loan if it were not for obtaining some financial help. It's just sad how long I paid for a loan that the school ended up closing because it was basically a scam school. So not only do I have an Accounting Certificate from XXXX XXXX XXXX that means nothing but I also wasted a lot of money in interest and principle paying for an invalid school. I did not know better when I signed up for this school. It's too late to take back what happened. I'm a person that pays their bills so I was never late on a payment. It's good that the school can not do this any longer, but I could finally have a sense of relief when that loan was paid in full.
Company Response: Closed with explanation

Timely Response

2019-04-09

Austin, TX

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: Navient has been raising my interest rates. The rate was 4.25 for years. Now it is over 6 %. I asked to see a promissory note showing I signed a variable interest rate loan and they have yet to furnish one. I believe this company is raising my Interest rates un fairly now that I am close to paying them off.
Company Response: Closed with explanation

Timely Response

2019-04-09

Fresno, CA

Took or threatened to take negative or legal action

Debt collection: Federal student loan debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX XXXX XXXX had taxes taken XX/XX/2019. Wages garnished starting XX/XX/2019. Have call multiple times to find out the pay off / settlement amount of loan with no response. Left an Email XX/XX/2019. No response!!!! Haven't been sent any statements regarding balance or amounts taken. Deferment refused due to not consolidating my loan with my wife 's. My wife doesn't have any loans. They admitted they made a mistake and than started taking wages.
Company Response: Closed with explanation

Timely Response

2019-04-09

AL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My student loans were serviced by Navient who repeatedly recommended and encouraged me to go into forbearance in XXXX and XXXX rather than make qualifying payments towards what would have been public service loan forgiveness ( PSLF ). This has extended my loan obligation and will in the end cost me thousands of dollars. It is only now coming to light through various reporting that this was a deliberate strategy on their part to get borrowers off the phone. I would be happy to provide whatever evidence is necessary for CFPB to take action against Navient for intentionally misleading borrowers.
Company Response: Closed with explanation

Timely Response

2019-04-09

AZ

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: I have private XXXX XXXX Loans through Navient which was formally Sallie Mae. I took out a private loan in XXXX while attending the XXXX XXXX XXXX. I was paying out of state tuition with the XXXX XXXX XXXX because I was from XXXX XXXXXXXX, XXXX and they considered that out of state. Since tuition was three times as much, I was informed that I would have to look for other options for tuition because I had exhausted my federal loans. I wanted to complete my degree in XXXX so I was provided Sallie Mae 's information. Upon contacting them I was approved for a private loan without a co-signer. I am not sure how because I never received nine separate loans but my total original loan between all the separate loans was for {$63000.00} with interest rates from 10.5 % -11.5 %. Now realizing how ridiculous this is, I feel I am forever in debt due to poor decisions when I was a XXXX in college. Upon graduating, they wanted a payment of {$1200.00} a month which was more then 50 % of my monthly income at the time with over {$700.00} being interest only. I was told that since I couldn't afford it, forbearance was the best option. As we know, this just racks up the amount owed so you are even further in debt. At that time though I didn't have an option. I would make payments the best I could but I wasn't able to afford anything else. Now in XXXX, Navient has now taken over my loan I owe a total of {$140000.00} which is more then double the amount of the originally loan. Furthermore, I was unable to live with my first degree and my student loan debt so I looked at other career options. All I ever wanted to do was to help others so I went back to school for XXXX. I did not take any loans for Navient for my current career. I graduated over three years ago and am still struggling with Navient. I was approved on a few occasions for hardship but the payments were {$600.00} a month and when rent and other necessary living expenses are a priority, Navient was not. When I would get behind, I would get up to three to five calls daily. Upon speaking with someone about my being behind I was even told that they would take my drivers license and XXXX license if I did not pay. This of course is my only way to survive so I would make a payment and get behind on other things scared that I would not have a way to make a living. In XX/XX/XXXX, we had our XXXX child. I honestly never thought I would have children even though I always wanted to be a mom but with this debt I didn't think I could afford to take care of anyone because they make it impossible. Upon going on maternity leave, I asked if I was able to stop my current payment of {$600.00} a month for XXXX months because I was going to be off on unpaid XXXX leave. I was told no. So my last payment was in XX/XX/XXXX. They currently want nine separate payments totaling {$8300.00} for my monthly payment. I don't know how anyone could pay that. Furthermore, since I have no way of paying the company, it has ruined my credit and states that I am behind on nine loans. Although they only want one ridiculous payment. They also call me five plus times a day from numerous numbers. They have started calling friends, family members, and friends of family that I have no association with looking for me. They contact my work leaving me messages, have spoken with HR requesting information, and send me faxes stating that I have to take immediate action. I have looked at hiring a lawyer and am at a loss of what to do. There is no way I can pay what they want and the fact that the interest has more then doubled since taking out the loan, there is no way I will be able to pay off this debt. I do not understand how they are able to get away with the loan amounts, interest rates, payment options, and harassing people when they make it impossible to pay. Thank you for your help. You have no idea how much stress this has caused my family and I.
Company Response: Closed with explanation

Timely Response

2019-04-09

Alexandria, VA

Incorrect information on your report

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

Account information incorrect
Complaint: The student loan was cancelled by XXXX college in XXXX XXXX for non attendance due to student XXXX XXXX with online classes. And has billed the student for the loan amount. The college has returned the loan amount to the department of education for non attendance due to XXXX XXXX with online courses. Navinet is reporting that loan debt on credit report which is inaccurate information due to the fact that the loan amount was return by the college.
Company Response: Closed with explanation

Timely Response

2019-04-09

Glendale, CO

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: XXXX faxed to Navient an IDR renewal form along with my tax form XXXX XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX responded in Navient online account I faxed IBR forms and Tax documents on Monday XX/XX/XXXX. Please process and apply to my account without delay. ( my other loan servicer has already processed IBR ; also faxed to them on XX/XX/XXXX ) *note* my other loan servicer is XXXX. XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX received communication from Navient Delinquency Notice : 60 Days XXXX called Navient and was told they would process my IDR because it was actually not expired but needed to use Forbearance in the meantime XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX received Navient Monthly Bill Reminder for regular amount due, late fees and Capitalized Interest XXXX called Navient and was told that Forbearance ended XX/XX/19 and full payments are past-due ; IDR has not yet been processed. I requested that someone review my account and process my pending IDR renewal form. XXXX received email stating that I can apply for IDR or reply yes to get Forbearance
Company Response: Closed with explanation

Timely Response

2019-04-09

Hamburg, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I had my school loan, taken through XXXX College, XXXX, NY, in XXXX. I had paid on the loan for many years. I was told through my employer with the XXXX XXXX XXXX XXXX XXXX that I could apply for the Public Service Loan Forgiveness Program OMB No. XXXX. The form was completed XX/XX/XXXX, and later was sent a letter that I was denied for the loan forgiveness program. I currently work as an XXXX XXXX Office ( XXXX ), and I qualified for the loan forgiveness under Public Health. I work in the IXXXX XXXX, in XXXX, NY XXXX the XXXX XXXX XXXX XXXX in the U.S. I have met the qualifications with payments made to Sallie Mae/ then transferred to Navient, as well as the Public Health status ( under Section 6 ). If you can please follow-up, on the specific reason why I did not qualify, I would appreciate. I have read that there are actions being taken against the servicer Sallie Mae, and would like a written reason for the denial and how the process is done, and what qualifications meet the criteria, as I believe mine does. I have been employed with the XXXX XXXX since XXXX, and with the XXXX XXXX, since XXXX. Once denied I took a personal loan, which I am still paying now, which gave me a lower interest rate. As I was told by the service that my payments in XXXX, would have been {$900.00} a month, which I would not be able to afford. Thank you for your time and assistance with this matter.
Company Response: Closed with explanation

Timely Response

2019-04-09

Winton, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Navient hold all my student loans. I have made arrangement for these loans to be paid of thru another entity " XXXX ''. I've received the payoff amount of all loans and the new entity sent a check with the full amount to Navient. Navinet failed to apply the money {$69000.00} and it is being held with them. To make the matter worse, they've reported that I've opened a new account line of credit with them for {$69000.00} and my credit score FICO plummeted 72 pint overnight. I have been trying to correct the situation with them with no avail. They keep switching me from one customer service to another and I get a different story every time. I am attaching a copy of the pay-off amount, the check that was sent to them and their online statement that shows the money being held with them.
Company Response: Closed with explanation

Timely Response

2019-04-09

KY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: Hello, On XX/XX/XXXX, I received a letter from the California State Controller 's office that a business had money that was due to me. The business is Navient Corporation ( Unclaimed Property Department - attention XXXX XXXX ) and the money due is from a settlement Navient owed in regards to my student loan repayment. I submitted the information that was requested on XX/XX/XXXX. On XX/XX/XXXX I received the following response : 'We apologize for the delayed response. We've experienced a higher than normal response rate. We received your letter and have submitted your claim for processing. You may expect a check in the mail within 8-10 weeks. ' On XX/XX/XXXX I emailed to inquire if I would still be receiving my check within the 8-10 week time frame stated. That same day I received an email from XXXX XXXX stating ; 'Your claim was processed, and a check should be arriving to you within the next 2 weeks. We appreciate your patience. ' After the two weeks passed I emailed again on XX/XX/XXXX to say I hadn't received the check and was inquiring as to when it would arrive. I have not received a response and the number for XXXX XXXX , ( XXXX ) XXXX, listed on the original form sent to me is only a recording and does not allow you to leave a message. Thank you.
Company Response: Closed with explanation

Timely Response

2019-04-09

MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: My loan origination date was in the fall of XXXX. This loan has been bought and sold to so many companies over the last 20 years I can't recall all of the information. Currently Navient is the loan provider. Navient and Sallie Mae have had the loan for certain since XXXX. In XXXX my wife and I filed a chapter XXXX bankruptcy, as part of our repayment terms our attorney tried to get the loan company to accept payments as part of our bankruptcy, we did not ask for a reduction in amount or ask for the debt to be discharged in any way. We simply wanted to re-pay via the court. The request was denied. We were able to re-pay our debt in 3 years and sometime in XXXX after the discharge the loan companies starting contacting me to begin repayment. Since the repayment process began again my family and I have been diligently trying to get rid of the debt. Navient 's records only date back to XXXX, however the original disbursement was {$9200.00}, I have been repaying an average of XXXX monthly since XXXX and my statements state that my balance owed is still {$8500.00}. The interest rate is 4.25 %, and the average interest yearly according to the statements they send amounts to around {$400.00}. Since XXXX I have paid over {$6300.00} to Navient even with interest over that time frame I should not still owe {$8500.00} the math just does not make sense. I have made multiple attempts to contact Navient and am unable to reach anything but a recording. I have " scheduled '' more than one Call, in which I schedule a time and they are supposed to call me, and they never call. I understand that we have made errors along this path but I feel that we are being taken advantage of and I would like credit for the money we have been paying. If this is how the companies take advantage of consumers its no wonder the entire country is engulfed in student loan debt.
Company Response: Closed with explanation

Timely Response

2019-04-09

Tampa, FL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: When they first reached out to me on this issue, I advised them that I am at work until XXXX and would like to receive calls after XXXX or on the weekends if that is possible. They stated that they understood and notated on my account. I am now receiving multiple calls from this company on a daily basis. For the month of XX/XX/2019, I have received the following calls XX/XX/XXXX- called 4 times : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX- called 2 times : XXXX XXXX, XXXX XXXX XX/XX/XXXX- called 1 time : XXXX XXXX XX/XX/XXXX- called 2 times : XXXX, XXXX XXXX XX/XX/XXXX- called 3 times : XXXX, XXXX XXXX, XXXX There have been times when I am able to answer the calls during the day, but they dont respond and then the line disconnects. I acknowledge responsibility for this balance, I have spoken with this creditor on several occasions in regards to a payment plans which I can accommodate with my income.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-08

Fairgrounds, LA

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

2019-04-08

Tustin, CA

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