Navient Solutions, LLC.
Consumer Complaints
There are over 31323 complaints on file for Navient Solutions, LLC.. Dated between 2019-12-15 and 2012-03-01.
Complaints Page 92
2019-04-08
Mililani, HI
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-04-08
Columbia, SC
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with non-monetary relief
2019-04-08
Lufkin, TX
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I attended XXXX XXXX XXXX. I attempted to transfer because the school lied to me and stole from me. I have tried to get answers since I enrolled but have yet to get anything beneficial for me. I was XXXX during this time as well, so I am also trying to catch up on these issues.I want to finish school and be successful. I need help getting all the information that you may have for me.
Company Response: Closed with explanation
2019-04-08
Atlanta, GA
Struggling to repay your loan
Student loan: Private student loan
Can't temporarily delay making payments
Complaint: My name is XXXX XXXX.
I am a second-year student at XXXX XXXX XXXX XXXX in XXXX, Georgia.
I have private education loans through Navient for when I attended XXXX University ( XXXX ) for my XXXX degree. Per Navient, these loans are now no longer eligible for in-school deferment. They say that each of these loans have a stipulated maximum of 48 months of in-school deferment. I dont recall this being vocalized to me at the time of origination but that was a long time ago. These loans did not have a co-signor.
What makes this story so egregious is that I also have newer loans through Navient that were from when I attended a XXXX XXXX program at XXXX XXXX ( XXXX ) with the aim of attending XXXX school.
Prior to attending the XXXX XXXX program, I called Navient and asked about the possibility of obtaining private loans after voicing that my goal was to attend XXXX school. I sought these loans because I did not qualify for federal loans for the post-baccalaureate program. I told Navient about my goal of attending XXXX school and that I needed to take the science prerequisites prior to applying to XXXX school. I also asked if these loans or my goal of attending XXXX school would be negatively impacted/influenced by the loans I already had with them. Navient said they could certainly help me out with the private education loans, but at no time did Navient ever tell me that my private education loans from XXXX University would start to become ineligible for in-school deferment half-way through XXXX school.
Further, I applied for these private loans through Navient for three consecutive years, XXXX, for this XXXX XXXX program. In every application, that was filled out by Navient with me on the phone, when I was asked what my educational aspirations were and reasons for the loan, I always told them that I needed these private education loans because I wanted to attend XXXX school and these loans were for a XXXX XXXX program. At no time did Navient ever tell me that my private education loans from XXXX University would start to become ineligible for in-school deferment half-way through XXXX school. If I had been told about this, I might have not attended the XXXX XXXX program and XXXX school.
So here I am ; attending XXXX school and out of the work force. I am now told I can no longer receive in-school deferment for these loans. I am stuck. Navient has asked me if I can get a job to which I replied : XXXX school students are not allowed to work. Further, I have no recent work experience needed to secure a job. I have an apartment lease that I may have to break now, with further financial penalties, because I may have to drop out of XXXX school and somehow find a job. I feel tricked. I feel like I was setup to fail.
At the beginning of last week ( XX/XX/19 ) someone at Navient submitted, on my behalf, a special extension application for in-school deferment but that was denied by Navient at the end of last week. My school, XXXX XXXX XXXX XXXX, has called Navient on my behalf and Navient said the same thing : that these loans are now no longer eligible for in-school deferment. When I stated everything that had transpired above about my asking Navient prior to attending the XXXX XXXXe program and if I could receive private loans for the program and if they saw a problem with me attending XXXX school ( to which Navient said there was no problem and that they could help ), Navient said the same thing again : that these loans are now no longer eligible for in-school deferment.
The funny thing is that if I had already graduated from XXXX school, and already in a residency program, I could potentially qualify to have my payments postponed.
XXXX website does not say anything about how many months of in-school deferment are left for each loan. Nor is there anywhere on XXXX website where I can even read the full loan contract that would state this, not that I would even know to check about this because Ive never heard of this before. In fact, they must mail me, per company policy, the loan contracts via USPS. Its like everything is purposely unclear, hard to discern, and hard to find.
Its like Im stuck in this small gap and falling through the cracks.
Company Response: Closed with explanation
2019-04-08
Blackbird, DE
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: On XX/XX/2017, I was approved to receive {$17000.00} paid off from my student loans after applying for the XXXX XXXX Loan Forgiveness Program. I have attached the paperwork that Navient ( who was my loan company at the time Account Number : XXXX ) sent me that shows them approving my Loan Forgiveness. Last week, I found out that my loan forgiveness, {$17000.00}, was placed back on my account by my current Loan company XXXX. I have yet to receive any documentation of a clear explanation of why this has occurred, except from the person that I spoke to on the telephone at XXXX who stated that Navient made a mistake on my account and that I should have never received this amount in the first place.
Company Response: Closed with explanation
2019-04-08
Stkn, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: I have noticed and taken record of the principal amount on my loan being increased by {$2.00} a day. At first I thought maybe this is some type of reverse interest charge. With my payment not due until the ninth of the month. On the fourth of the month I paid {$20.00} towards my loan as an experiment to see what they do with my payment. I let two days pass and checked my balance due. My balance due I Had only decreased by {$13.00}. So are they charging me interest at both ends? Or is what theyre doing illegal? I will include screenshots as proof to my claim.
Company Response: Closed with explanation
2019-04-08
Greenwood, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: I pay on time on their Website. They continually report me as paying late.
Company Response: Closed with explanation
2019-04-08
Fargo, ND
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I previously attempted to contact Navient the servicer of my student loans in reference to a tax return that was taken to offset the balance owed on the loan accounts ( 3 total loans ) when attempting to obtain information the company refuses to communicate with me via electronic mail indicating that I must call them, however I do not have access to phone service to do so. Navient has taken funds from my tax return in the amount of roughly {$1300.00} at the time when the amount due on the three accounts was roughly {$700.00}. I have not received any dispersement of funds from my tax return and furthermore, Navient has not posted this payment to my accounts. The letter recieved from the IRS clearly indicates that this is a payment and an over payment of debt was not authorized. Navient refuses to communicate any account information to me, will not refurnish statements for correct reporting and has been previously notified of a billing error two weeks ago. Per federal guidelines, validation and verification debt including the correct amount owed must be validated within 30 days of the original notification of an error. In addition failure to do so is a violation of my consumer rights under the FAir Credit Reporting Act and is a direct violation of the lender under the Truth in Lending Act. I have since without any assistance from the lender was forced and coerced into deferment status on my loans without any assistance or explanation because I could not clearly understand my options for resolution and the representative assisting via email would not discuss my options only over phone even after telling them I did not have access to a phone. I feel additionally discriminated against because I no longer have a phone service and do not have access to one. Additionally my loan agreement does not require a phone contact nor does federal regulations and law require that a lender only do business via telephone. As required by law, Navient must also be able to furnish the same account information and assistance via mail through the postal service or similar mail carrier. I have since updated my contact information to reflect the correct address, despite being contacted via mail previously to the correct address prior to this incident, so that Navient can respond via mail a hand written response answering all of the concerns listed here.
Company Response: Closed with explanation
2019-04-07
Largo, FL
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
2019-04-07
Visalia, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-04-07
Beverly Hills, CA
Written notification about debt
Debt collection: Private student loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-04-07
Hamburg, MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: My student loans were transferred from Navient to XXXX XXXX on XXXX XXXX XXXX as part of my enrollment in the XXXX XXXX XXXX XXXX program. In this transfer, the history of my payments, and which repayment plan each payment was made under, was lost. I contacted Navient on XX/XX/XXXX by phone and an employee was able to give me a detailed summary of each payment I made and the repayment plan the payment was made under while my loans were serviced by Navient. However, this information has not been provided to me in writing and has not been provided to XXXX.
Company Response: Closed with explanation
2019-04-07
Chicago, IL
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Complaint: IhavespokenwithNavientcustomerservicetoaskaboutautomaticpaymentsthatarescheduledtocomeoutofmyaccount.ThereptoldmetheydidntseeanyextrapaymentssoIsetupautopay.NowIhavedoublepaymentscomingfrommyaccounteachmonth.IjustcalledFridayXX/XX/XXXXandthereptriedtotransfermetothedepartmentthatsetupthepaymentandthecalldropped.ShedidntmentionanythingaboutapaymentbeingscheduledforXXXXbutnowafullpaymentjustcameoutofmyaccount.IcantaffordtopayNavientdoublepaymentseachmonth.Ialsoaskedherifthedoublepaymentshadbeenappliedtothebalanceandshecouldnttellme.WhereismymoneygoingandIwantthatXX/XX/2019paymentreversedASAP.IwanttheupcomingpaymentscancelledforonlineandtheonesthatweresetupbytherepresentativeandIwantsomeonetoexplainwheretheextrapaymentsImadewereapplied.Whatismybalance,whenwillthisloanbepaidoff?
Company Response: Closed with non-monetary relief
2019-04-07
Little Rock, AR
Struggling to repay your loan
Student loan: Federal student loan servicing
Problem lowering your monthly payments
Complaint: I have an issue with XXXX. The payments I and my wife are setup on are mostly manageable. The problem I have is that the plan they have me on does not even cover the interest accruing. Why would they put me on a plan for repayment when the loan is only growing over time? I know that XXXX loans are forgiven after XXXX years. This will leave us with well over $ XXXX in forgiven loans. That seems great but Ive learned that the IRS considers forgiven loans as income and is taxed that way. Why would the government put us on a plan that seems like a great deal only to burden us in our XXXX with a insurmountable tax bill? Anyone that has owed the irs any considerable amount of money knows how terrible that is. Forgiven student loans should not be considered income after paying on them for 25 years.
Company Response: Closed with explanation
2019-04-07
Sacramento, CA
Took or threatened to take negative or legal action
Debt collection: Federal student loan debt
Threatened to sue you for very old debt
Complaint: i got a notice in the mail stating my wages would be garnished and was thentened with a lawsuit
Company Response: Closed with explanation
2019-04-07
OH
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Complaint: Navient has continuously attempted to collect a debt that I do not owe. This debt was originally owned by Sallie Mae and the Sallie Mae loan were deleted from my credit report. They can not collect a debt that hat been deleted by the original owner. I requested information concerning the original creditor and the original account number on XX/XX/2019. I have included a copy of that request and a copy of the promissory note showing the original creditor and a copy showing that It was deleted from my credit report. This has been ruining my credit. They are violating my rights as a consumer.
Company Response: Closed with explanation
2019-04-07
NC
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: This is the second complaint about Navient from me.
Why was the balance of the loan that has been transferred from the previous owners of it so high? Why is the interest still on the full amount of the loan that was taken out in XXXX? that was {$13000.00}.
I paid over {$8800.00} in XXXX the {$2300.00} in XXXX and {$1700.00} in XXXX.
not counting what I paid from XXXX to XXXX.it has changed hands four times.
AND this is my sons loan.. Not mine..
Company Response: Closed with explanation
2019-04-07
LA
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't temporarily delay making payments
Complaint: I recieved loans from XXXX XXXX as well as navient I requested a economic hardship deferment on XX/XX/19. Neither company has reached out I was told there is a delay in the processing of the forms that are electronically submitted however I am receiving current Bill 's as well as threats to report delinquent to the credit companies. I am unemployed and currently recieving state assistance. I am unable to make any payments hence the forms. However the student loan companies listed are not providing adequate options to prevent my account being sent to delinquency and penalizes due to their delay in deferment request.
Company Response: Closed with explanation
2019-04-06
Atlanta, GA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: One of my student loans was transferred to Navient. Today after reviewing over my payments I noticed that Navient had my minimum payment listed as {$85.00} which I remember specifically that when the loan was serviced by XXXX {$85.00} wasnt my minimum payment but XXXX allowed me to set the specific amount that I wanted to apply to my loan so I selected {$85.00} so I could apply extra to the principal. Well today I noticed Navient had {$85.00} listed as my minimum payment. I contacted Navient to confirm why my minimum payment was showing for {$85.00} when it should have been like {$55.00} or XXXX. Navient advised that {$85.00} was the minimum payment. So I was very alarmed and didnt understand how I would be able to prove this when I could no longer log into the XXXX account since the loan was transferred. Luckily I found one of my old credit reports and it showed that my minimum payment for My XXXX student loan was between $ 49- {$55.00}. Its very alarming that I would be mislead this way. In addition I have over {$40000.00} of student loans with Navient and now I feel like I need to go back through all of my other accounts to audit them to make sure there isnt more misrepresentation going on. I have called my lender last year to discuss various payment options because I just had my first child and I was unemployed half last year and they were not helpful with decreasing my payments. They only offered deferment which I had to pay {$250.00} to proceed with the deferment only for them to add on {$1000.00} of interest on top of that or a reducing my payment by {$100.00} and thats when I didnt have any income and now they are providing inaccurate information about my minimum payment which also has me to believe that they are falsifying the amount applied to my principal vs interest. How am I supposed to know they arent doing the same thing with my other loans that I hold with them.
Company Response: Closed with explanation
2019-04-06
Arco, CA
Attempts to collect debt not owed
Debt collection: Private student loan debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: In XXXX of this XX/XX/2019 I received a letter by mail. For a reduced payoff in the amount of {$670.00}. I had agreed to the payoff settlement. But after checking online through XXXX. XXXX XXXX a partner of Navient had closed and transfer the accounts to XXXX. I would get and received calls threatening me with wage garnishment and taking my taxes. I can't believe I got scam again and they took the money out from my bank account
Company Response: Closed with explanation
2019-04-06
Princeton, NJ
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-04-06
TX
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: I have a private loan with Navient from XXXX - XXXX with for-profit college. have worked with them as long as i can but was unable to make payment. was on low interest catch up payment plan I could handle. trying to renew reduced interest repayment plan that was up in XXXX. was told ended in XXXX was told payment of XXXX would remain the same. XXXX bill comes as increase XXXX payment on auto draft.
Company Response: Closed with explanation
2019-04-06
Foothill Ranch, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-04-05
Effingham, KS
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Was called from a phone number of XXXX at XXXX XXXX Central Time on XX/XX/2019. Sent to voicemail as I didn't recognize the number. The caller ( not recorded ) asked for XXXX XXXX in regards to XXXX XXXX (? ). Left a phone number of XXXX with reference number XXXX. I am not XXXX XXXX. I don't know any XXXX XXXX. I don't have any outstanding debts. Even if that were the case, no one should be contacting anybody except employers about other people 's debt.
Company Response: Closed with explanation
2019-04-05
Rawsonville, MI
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation